================================================================================
HOMESTAR MORTGAGE ACCEPTANCE CORP.,
Company,
XXXXX FARGO BANK, N.A.
Master Servicer and Securities Administrator,
and
HSBC BANK USA
Trustee
POOLING AND SERVICING AGREEMENT
Dated as of March 1, 2004
------------------------
Asset-Backed Pass-Through Certificates
Series 2004-1
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TABLE OF CONTENTS
PAGE
ARTICLE I
DEFINITIONS
Section 1.01. Defined Terms...................................................................................3
Accepted Master Servicing Practices......................................................................3
Accrual Period...........................................................................................3
Accrued Certificate Interest.............................................................................3
Adjustable Rate Mortgage Loans...........................................................................3
Advance..................................................................................................3
Affiliate................................................................................................3
Aggregate Stated Principal Balance.......................................................................4
Agreement................................................................................................4
Allocated Realized Loss Amount...........................................................................4
Assignment...............................................................................................4
Assignment Agreement.....................................................................................4
Available Distribution Amount............................................................................4
Balloon Loan.............................................................................................4
Balloon Payment..........................................................................................5
Bankruptcy Code..........................................................................................5
Basic Principal Distribution Amount......................................................................5
Basis Risk Shortfall.....................................................................................5
Basis Risk Shortfall Carry-Forward Amount................................................................5
Basis Risk Shortfall Reserve Fund........................................................................5
Book-Entry Certificate...................................................................................5
Business Day.............................................................................................5
Cash Liquidation.........................................................................................5
Cenlar...................................................................................................5
Cenlar...................................................................................................5
Certificate..............................................................................................6
Certificate Account......................................................................................6
Certificate Account Deposit Date.........................................................................6
Certificateholder........................................................................................6
Holder...................................................................................................6
Certificate Margin.......................................................................................6
Certificate Owner........................................................................................6
Certificate Principal Balance............................................................................6
Certificate Register.....................................................................................7
Class....................................................................................................7
Class A Certificate......................................................................................7
Class A-1 Certificate....................................................................................7
Class A Principal Distribution Amount....................................................................7
Class A-2 Certificate....................................................................................7
Class C Certificate......................................................................................7
Class M Certificates.....................................................................................8
Class M-1 Certificate....................................................................................8
Class M-1 Principal Distribution Amount..................................................................8
Class M-2 Certificate....................................................................................8
Class M-2 Principal Distribution Amount..................................................................8
Class M-3 Certificate....................................................................................9
Class M-3 Principal Distribution Amount..................................................................9
Class M-4 Certificate....................................................................................9
Class M-4 Principal Distribution Amount..................................................................9
Class M-5 Certificate...................................................................................10
Class M-5 Principal Distribution Amount.................................................................10
Class M-6 Certificate...................................................................................10
Class M-6 Principal Distribution Amount.................................................................11
Class M-7 Certificate...................................................................................11
Class M-7 Principal Distribution Amount.................................................................11
Class M-8 Certificate...................................................................................12
Class M-8 Principal Distribution Amount.................................................................12
Class P Certificate.....................................................................................12
Class R Certificate.....................................................................................12
Class R-1 Interest......................................................................................12
Class R-2 Interest......................................................................................12
Closing Date............................................................................................12
Code....................................................................................................12
Collateral Value........................................................................................12
Commission..............................................................................................13
Company.................................................................................................13
Compensating Interest...................................................................................13
Corridor Contract Counterparty..........................................................................13
Corridor Contract.......................................................................................13
Corporate Trust Office..................................................................................13
Corresponding Certificate...............................................................................13
Curtailment.............................................................................................14
Custodial Account.......................................................................................14
Custodial Agreement.....................................................................................14
Custodian...............................................................................................14
Cut-off Date............................................................................................14
Deficient Valuation.....................................................................................14
Definitive Certificate..................................................................................14
Deleted Mortgage Loan...................................................................................14
Depository..............................................................................................14
Depository Participant..................................................................................15
Determination Date......................................................................................15
Disqualified Organization...............................................................................15
Distribution Date.......................................................................................15
Due Date................................................................................................15
Due Period..............................................................................................15
XXXXX...................................................................................................15
Eligible Account........................................................................................15
Event of Default........................................................................................16
Exchange Act............................................................................................16
Extra Principal Distribution Amount.....................................................................16
Xxxxxx Xxx..............................................................................................16
FDIC....................................................................................................16
Fitch Ratings...........................................................................................16
Fixed Rate Mortgage Loans...............................................................................16
Xxxxxxx Mac.............................................................................................16
Funding Date............................................................................................16
Indenture...............................................................................................16
Initial Certificate Principal Balance...................................................................16
Initial Notional Amount.................................................................................17
Insurance Policy........................................................................................17
Insurance Proceeds......................................................................................17
Interest Carry Forward Amount...........................................................................17
Interest Determination Date.............................................................................17
Interest Remittance Amount..............................................................................17
Late Collections........................................................................................17
LIBOR...................................................................................................17
LIBOR Business Day......................................................................................17
Liquidated Mortgage Loan................................................................................18
Liquidation Proceeds....................................................................................18
Loan-to-Value Ratio.....................................................................................18
Lost Note Affidavit.....................................................................................18
Majority Class C Certificateholder......................................................................18
Marker Rate.............................................................................................18
Master Servicer.........................................................................................18
Master Servicing Fees...................................................................................18
Master Servicing Fee Rate...............................................................................18
Maximum Uncertificated Accrued Interest Deferral Amount.................................................19
MERS....................................................................................................19
MERS(R)System............................................................................................19
MIN.....................................................................................................19
MOM Loan................................................................................................19
Monthly Payment.........................................................................................20
Xxxxx'x.................................................................................................20
Mortgage................................................................................................20
Mortgage File...........................................................................................20
Mortgage Loan...........................................................................................20
Mortgage Loan Purchase Agreement........................................................................20
Mortgage Loan Schedule..................................................................................20
Mortgage Note...........................................................................................22
Mortgage Rate...........................................................................................22
Mortgaged Property......................................................................................22
Mortgagor...............................................................................................22
Net Liquidation Proceeds................................................................................22
Net Mortgage Rate.......................................................................................22
Net Monthly Excess Cashflow.............................................................................22
Net Prepayment Interest Shortfall.......................................................................22
Net WAC Rate............................................................................................22
NIMS Insurer............................................................................................23
Nonrecoverable Advance..................................................................................23
Non-United States Person................................................................................23
Notional Amount.........................................................................................23
Offered Certificates....................................................................................23
Officers' Certificate...................................................................................23
Opinion of Counsel......................................................................................23
Option One..............................................................................................23
Option One..............................................................................................24
Optional Termination Date...............................................................................24
OTS.....................................................................................................24
Outstanding Mortgage Loan...............................................................................24
Overcollateralization Deficiency Amount.................................................................24
Overcollateralization Target Amount.....................................................................24
Overcollateralized Amount...............................................................................24
Ownership Interest......................................................................................24
Pass-Through Rate.......................................................................................24
Percentage Interest.....................................................................................26
Permitted Investment....................................................................................26
Permitted Transferee....................................................................................27
Person..................................................................................................27
Prepayment Assumption...................................................................................27
Prepayment Charge.......................................................................................27
Prepayment Interest Shortfall...........................................................................27
Prepayment Period.......................................................................................28
Primary Hazard Insurance Policy.........................................................................28
Primary Insurance Policy................................................................................28
Principal Distribution Amount...........................................................................28
Principal Prepayment....................................................................................28
Principal Prepayment in Full............................................................................28
Principal Remittance Amount.............................................................................28
Prospectus Supplement...................................................................................28
Protected Account.......................................................................................28
Purchase Price..........................................................................................28
Qualified Insurer.......................................................................................29
Qualified Substitute Mortgage Loan......................................................................29
Radian..................................................................................................29
Radian Lender-Paid PMI Loans............................................................................29
Radian Lender-Paid PMI Policy...........................................................................29
Radian Lender-Paid PMI Rate.............................................................................30
Rating Agency...........................................................................................30
Realized Loss...........................................................................................30
Record Date.............................................................................................30
Regular Certificate.....................................................................................30
Relief Act..............................................................................................30
Relief Act Interest Shortfall...........................................................................30
REMIC...................................................................................................31
REMIC 1.................................................................................................31
REMIC 1 Interest Loss Allocation Amount.................................................................31
REMIC 1 Overcollateralized Amount.......................................................................31
REMIC 1 Principal Loss Allocation Amount................................................................31
REMIC 1 Overcollateralization Target Amount.............................................................32
REMIC 1 Regular Interest LT-AA..........................................................................32
REMIC 1 Regular Interest LT-A...........................................................................32
REMIC 1 Regular Interest LT-M1..........................................................................32
REMIC 1 Regular Interest LT-M2..........................................................................32
REMIC 1 Regular Interest LT-M3..........................................................................33
REMIC 1 Regular Interest LT-M4..........................................................................33
REMIC 1 Regular Interest LT-M5..........................................................................33
REMIC 1 Regular Interest LT-M6..........................................................................33
REMIC 1 Regular Interest LT-M7..........................................................................33
REMIC 1 Regular Interest LT-M8..........................................................................33
REMIC 1 Regular Interest LT-P...........................................................................34
REMIC 1 Regular Interest LT-ZZ..........................................................................34
REMIC 1 Regular Interests...............................................................................34
REMIC 2.................................................................................................34
REMIC Provisions........................................................................................34
REMIC Regular Interest..................................................................................34
Remittance Report.......................................................................................34
REO Acquisition.........................................................................................34
REO Disposition.........................................................................................34
REO Imputed Interest....................................................................................35
REO Proceeds............................................................................................35
REO Property............................................................................................35
Request for Release.....................................................................................35
Residual Interest.......................................................................................35
Responsible Officer.....................................................................................35
Securities Administrator................................................................................35
Seller..................................................................................................35
Servicer................................................................................................35
Servicing Advances......................................................................................36
Servicing Agreements....................................................................................36
Servicing Fee...........................................................................................36
Servicing Fee Rate......................................................................................36
Servicing Officer.......................................................................................36
Single Certificate......................................................................................36
Standard & Poor's.......................................................................................36
Startup Day.............................................................................................36
Stated Principal Balance................................................................................36
Stepdown Date...........................................................................................37
Subservicer.............................................................................................37
Subservicer Remittance Date.............................................................................37
Subservicing Agreement..................................................................................37
Substitution Adjustment.................................................................................37
Tax Returns.............................................................................................37
Transfer................................................................................................38
Transferor..............................................................................................38
Trigger Event...........................................................................................38
Trust Fund..............................................................................................38
Trustee.................................................................................................38
Uncertificated Accrued Interest.........................................................................39
Uncertificated Principal Balance........................................................................39
Uncertificated Pass-Through Rate........................................................................39
Uncertificated REMIC 1 Pass-Through Rate................................................................39
Underwriter.............................................................................................39
Uninsured Cause.........................................................................................39
United States Person....................................................................................39
Voting Rights...........................................................................................40
Weighted Average Net Mortgage Rate......................................................................40
Section 1.02 Determination of LIBOR.........................................................................40
Section 1.03 Allocation of Certain Interest Shortfalls......................................................41
Section 1.04 Rights of the NIMS Insurer.....................................................................42
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01. Conveyance of Mortgage Loans...................................................................43
Section 2.02. Acceptance of the Trust Fund by the Trustee....................................................46
Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the
Company........................................................................................48
Section 2.04. Assignment of Interest in the Mortgage Loan Purchase Agreement.................................51
Section 2.05. Issuance of Certificates; Conveyance of REMIC Regular Interests and Acceptance
of REMIC 1 and REMIC 2 by the Trustee..........................................................52
Section 2.06. ...............................................................................................53
ARTICLE III
ADMINISTRATION AND SERVICING
OF THE TRUST FUND
Section 3.01. Administration and Servicing of Mortgage Loans.................................................55
Section 3.02 REMIC-Related Covenants........................................................................57
Section 3.03 Monitoring of Servicer.........................................................................57
Section 3.04 Fidelity Bond..................................................................................58
Section 3.05 Power to Act; Procedures.......................................................................58
Section 3.06 Due-on-Sale Clauses; Assumption Agreements.....................................................59
Section 3.07 Release of Mortgage Files......................................................................59
Section 3.08 Documents, Records and Funds in Possession of Master Servicer To Be Held for
Trustee........................................................................................60
Section 3.09 Standard Hazard Insurance and Flood Insurance Policies.........................................61
Section 3.10 Presentment of Claims and Collection of Proceeds...............................................61
Section 3.11 Maintenance of the Primary Mortgage Insurance Policies.........................................62
Section 3.12 Trustee to Retain Possession of Certain Insurance Policies and Documents.......................62
Section 3.13 Realization Upon Defaulted Mortgage Loans......................................................63
Section 3.14 Compensation for the Master Servicer...........................................................63
Section 3.15 REO Property...................................................................................63
Section 3.16. Protected Accounts.............................................................................64
Section 3.17 Custodial Account..............................................................................65
Section 3.18 Permitted Withdrawals and Transfers from the Custodial Account.................................66
Section 3.19. Certificate Account............................................................................67
Section 3.20 Permitted Withdrawals and Transfers from the Certificate Account...............................68
Section 3.21 Annual Officer's Certificate as to Compliance..................................................69
Section 3.22 Annual Independent Accountant's Servicing Report...............................................70
Section 3.23 Reports Filed with Securities and Exchange Commission..........................................70
Section 3.24 UCC............................................................................................71
Section 3.25 Optional Purchase of Defaulted Mortgage Loans..................................................71
Section 3.26. The Corridor Contract..........................................................................72
ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01. Distributions..................................................................................73
Section 4.02. Statements to Certificateholders...............................................................77
Section 4.03. Remittance Reports; Advances by the Master Servicer............................................80
Section 4.04. Distributions on the REMIC Regular Interests...................................................81
Section 4.05. Allocation of Realized Losses..................................................................82
Section 4.06. Information Reports to Be Filed by the Servicer................................................84
Section 4.07. Compliance with Withholding Requirements.......................................................84
Section 4.08. Basis Risk Shortfall Reserve Fund..............................................................84
ARTICLE V
THE CERTIFICATES
Section 5.01. The Certificates...............................................................................86
Section 5.02. Registration of Transfer and Exchange of Certificates..........................................87
Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates..............................................92
Section 5.04. Persons Deemed Owners..........................................................................93
Section 5.05. Rule 144A Information..........................................................................93
ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
Section 6.01. Liability of the Company and the Master Servicer...............................................94
Section 6.02. Merger, Consolidation or Conversion of the Company or the Master Servicer......................94
Section 6.03. Limitation on Liability of the Company, the Master Servicer, the Securities
Administrator and Others.......................................................................94
Section 6.04. Limitation on Resignation of the Master Servicer...............................................95
Section 6.05. Sale and Assignment of Master Servicing........................................................95
ARTICLE VII
DEFAULT
Section 7.01. Events of Default..............................................................................97
Section 7.02. Trustee to Act; Appointment of Successor.......................................................98
Section 7.03. Notification to Certificateholders............................................................100
Section 7.04. Waiver of Events of Default...................................................................100
Section 7.05. List of Certificateholders....................................................................100
ARTICLE VIII
CONCERNING THE TRUSTEE AND SECURITIES ADMINISTRATOR
Section 8.01. Duties of Trustee.............................................................................101
Section 8.02. Certain Matters Affecting the Trustee and the Securities Administrator........................102
Section 8.03. Trustee and Securities Administrator Not Liable for Certificates or Mortgage
Loans...........................................................................................................104
Section 8.04. Trustee and Securities Administrator May Own Certificates.....................................104
Section 8.05. Trustee's and Securities Administrator's Fees.................................................104
Section 8.06. Eligibility Requirements for Trustee and the Securities Administrator.........................105
Section 8.07. Resignation and Removal of the Trustee........................................................105
Section 8.08. Successor Trustee and Successor Securities Administrator......................................106
Section 8.09. Merger or Consolidation of Trustee or Securities Administrator................................107
Section 8.10. Appointment of Co-Trustee or Separate Trustee.................................................107
ARTICLE IX
TERMINATION
Section 9.01. Termination Upon Repurchase or Liquidation of All Mortgage Loans or upon
Purchase of Certificates......................................................................109
Section 9.02. Termination of REMIC 2........................................................................111
Section 9.03. Additional Termination Requirements...........................................................111
ARTICLE X
REMIC PROVISIONS
Section 10.01. REMIC Administration..........................................................................113
Section 10.02. Prohibited Transactions and Activities........................................................116
Section 10.03. Master Servicer, Securities Administrator and Trustee Indemnification.........................116
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01. Amendment.....................................................................................117
Section 11.02. Recordation of Agreement; Counterparts........................................................118
Section 11.03. Limitation on Rights of Certificateholders....................................................118
Section 11.04. Governing Law.................................................................................119
Section 11.05. Notices.......................................................................................119
Section 11.06. Severability of Provisions....................................................................120
Section 11.07. Successors and Assigns........................................................................120
Section 11.08. Article and Section Headings..................................................................120
Section 11.09. Notice to Rating Agencies and the NIMS Insurer................................................120
Section 11.10. Third Party Rights............................................................................121
Signatures
Acknowledgments
Exhibit A Form of Class A Certificate
Exhibit B-1 Form of Class M Certificate
Exhibit B-2 Form of Class C Certificate
Exhibit B-3 Form of Class P Certificate
Exhibit B-4 Form of Class R Certificate
Exhibit C Form of Trustee Initial Certification
Exhibit D Form of Trustee Final Certification
Exhibit E Form of Remittance Report
Exhibit F Request for Release
Exhibit G-1 Form of Investor Representation Letter
Exhibit G-2 Form of Transferor Representation Letter
Exhibit G-3 Form of Rule 144A Investment Representation
Exhibit G-4 Transferor Certificate for Transfers of Residual Certificates
Exhibit G-5 Transfer Affidavit and Agreement for Transfers of Residual Certificates
Exhibit H Mortgage Loan Schedule
Exhibit I [Reserved]
Exhibit J [Reserved]
Exhibit K Assignment Agreement
Exhibit L-1 Form 10-K Certification
Exhibit L-2 Form 10-K Back-up Certification (Master Servicer)
Exhibit L-3 Form 10-K Back-up Certification (Trustee)
Exhibit M-1 Form of Servicing Agreement
Exhibit M-2 Form of Servicing Agreement
Exhibit N Form of Custodial Agreement
Exhibit O [Reserved]
Exhibit P Form of Mortgage Loan Purchase Agreement
This Pooling and Servicing Agreement, dated and effective as of March
1, 2004, is entered into among Homestar Mortgage Acceptance Corp., as company
(the "Company"),Xxxxx Fargo Bank, N.A., as master servicer (in such capacity,
the "Master Servicer") and as securities administrator (in such capacity, the
"Securities Administrator"), and HSBC Bank USA, as trustee (the "Trustee").
PRELIMINARY STATEMENT:
The Company intends to sell pass-through certificates (collectively,
the "Certificates"), to be issued hereunder in multiple classes, which in the
aggregate will evidence the entire beneficial ownership interest in the Trust
Fund created hereunder. The Certificates will consist of twelve classes of
certificates, designated as (i) the Class A-1 and Class A-2 Certificates, (ii)
the Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7
and Class M-8 Certificates, (iii) the Class C Certificates, (iv) the Class P
Certificates and (v) the Class R Certificates.
REMIC 1
-------
As provided herein, the Trustee will make an election to treat the
segregated pool of assets consisting of the Trust Fund (exclusive of the Basis
Risk Shortfall Reserve Fund and the Corridor Contract) as a REMIC for federal
income tax purposes, and such segregated pool of assets will be designated as
"REMIC 1". The Class R-1 Interest will represent the sole class of "residual
interests" in REMIC 1 for purposes of the REMIC Provisions.
The following table irrevocably sets forth the designation, the
Uncertificated REMIC 1 Pass- Through Rate, the initial Uncertificated Principal
Balance, and solely for purposes of satisfying Treasury regulation Section
1.860G-1(a)(4)(iii), the "latest possible maturity date" for each of the REMIC 1
Regular Interests. None of the REMIC 1 Regular Interests will be certificated.
Initial
Uncertificated REMIC 1 Uncertificated Assumed Final
DESIGNATION PASS-THROUGH RATE PRINCIPAL BALANCE MATURITY DATE(1)
----------- ----------------- ----------------- ----------------
LT-AA (2) $ 303,515,706.61 February 25, 2034
LT-A1 (2) $ 2,565,790.00 February 25, 2034
LT-A2 (2) $ 285,090.00 February 25, 2034
LT-M1 (2) $ 52,650.00 February 25, 2034
LT-M2 (2) $ 46,450.00 February 25, 2034
LT-M3 (2) $ 30,970.00 February 25, 2034
LT-M4 (2) $ 23,230.00 February 25, 2034
LT-M5 (2) $ 15,490.00 February 25, 2034
LT-M6 (2) $ 30,970.00 February 25, 2034
LT-M7 (2) $ 15,480.00 February 25, 2034
LT-M8 (2) $ 15,490.00 February 25, 2034
LT-ZZ (2) $ 3,112,588.10 February 25, 2034
1
LT-P (2) $ 100.00 February 25, 2034
(1) Solely 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 Mortgage Loan with the latest possible maturity date has
been designated as the "latest possible maturity date" for each REMIC 1
Regular Interest.
(2) Calculated in accordance with the definition of "Uncertificated REMIC 1
Pass-Through Rate" herein.
REMIC 2
-------
As provided herein, the Trustee will make an election to treat the
segregated pool of assets consisting of the REMIC 1 Regular Interests as a REMIC
for federal income tax purposes, and such segregated pool of assets will be
designated as "REMIC 2". The Class R-2 Interest will represent the sole class of
"residual interests" in REMIC 2 for purposes of the REMIC Provisions.
The following table irrevocably sets forth the Class designation,
Pass-Through Rate and Initial Certificate Principal Balance for each Class of
Certificates that represents one or more of the "regular interests" in REMIC 2
created hereunder:
&&&
Initial Certificate Assumed Final
Class Designation Principal Balance Pass-Through Rate Maturity Date(1)
----------------- ----------------- ----------------- ----------------
A-1 $ 256,579,000.00 Variable(2) February 25, 2034
A-2 $ 28,509,000.00 Variable(2) February 25, 2034
M-1 $ 5,265,000.00 Variable(2) February 25, 2034
M-2 $ 4,645,000.00 Variable(2) February 25, 2034
M-3 $ 3,097,000.00 Variable(2) February 25, 2034
M-4 $ 2,323,000.00 Variable(2) February 25, 2034
M-5 $ 1,549,000.00 Variable(2) February 25, 2034
M-6 $ 3,097,000.00 Variable(2) February 25, 2034
M-7 $ 1,548,000.00 Variable(2) February 25, 2034
M-8 $ 1,549,000.00 Variable(2) February 25, 2034
C $ 1,548,904.70(3) Variable(2) February 25, 2034
P $ 100.00 (4) February 25, 2034
(1) Solely 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 Mortgage Loan with the latest possible maturity date has
been designated as the "latest possible maturity date" for each REMIC 1
Regular Interest.
(2) Calculated in accordance with the definition of "Pass-Through Rate"
herein.
(3) The Class C Certificates will accrue interest at their variable
Pass-Through Rate on the Notional Amount of the Class C Certificates
outstanding from time to time which shall equal the aggregate of the
Uncertificated Principal Balances of the REMIC 1 Regular Interests
(other than REMIC 1 Regular Interest LT-P). The Class C Certificates
will not accrue interest on their Certificate Principal Balance.
(4) The Class P Certificates do not accrue interest.
2
ARTICLE I
DEFINITIONS
Section 1.01. Defined Terms.
Whenever used in this Agreement, the following words and phrases,
unless the context otherwise requires, shall have the meanings specified in this
Article. Unless otherwise specified, all calculations in respect of interest on
the Class A Certificates, the Class M Certificates, the Class C Certificates and
the REMIC 1 Regular Interests shall be made on the basis of a 360-day year
consisting of the actual number of days in the related Accrual Period. The Class
P Certificates and the Class R Certificates do not accrue interest.
"Accepted Master Servicing Practices": With respect to any Mortgage
Loan, as applicable, either (x) 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 Trustee or the Master Servicer (except in its capacity as
successor to the Servicer), or (y) as provided in this Agreement, to the extent
applicable to the Master Servicer, but in no event below the standard set forth
in clause (x).
"Accrual Period": With respect to any Distribution Date and the Offered
Certificates, the period commencing on the immediately preceding Distribution
Date (or, in the case of the first Distribution Date, the Closing Date) and
ending on the day immediately preceding the current Distribution Date. With
respect to any Distribution Date and the Class C Certificates, the calendar
month preceding the month in which such Distribution Date occurs. The Class R
Certificates and Class P Certificates will not accrue any interest and therefore
have no Accrual Period.
"Accrued Certificate Interest": With respect to the Class A, Class M
and Class C Certificates and any Distribution Date, the amount of interest
accrued during the related Accrual Period at the related Pass-Through Rate on
the Certificate Principal Balance (or Notional Amount in the case of the Class C
Certificates) of such Class immediately prior to such Distribution Date, in each
case, reduced by any Net Prepayment Interest Shortfalls and Relief Act Interest
Shortfalls (allocated to such Certificate as set forth in Section 1.03). The
Accrued Certificate Interest on the Class A, Class M and Class C Certificates
will be calculated on the basis of a 360-day year and the actual number of days
in the related Accrual Period.
"Adjustable Rate Mortgage Loans": The Mortgage Loans identified in the
Mortgage Loan Schedule as having a Mortgage Rate which is adjustable at any
point during the life of the related Mortgage, including any Mortgage Loans
delivered in replacement thereof.
"Advance": As to any Mortgage Loan, any advance made by the Servicer or
the Master Servicer on any Distribution Date pursuant to Section 4.03.
"Affiliate": With respect to any Person, any other Person controlling,
controlled by or under common control with such Person. For purposes of this
definition, "control" means the power to
3
direct the management and policies of a Person, directly or indirectly, whether
through ownership of voting securities, by contract or otherwise and
"controlling" and "controlled" shall have meanings correlative to the foregoing.
"Aggregate Stated Principal Balance": As of any date of determination,
the aggregate Stated Principal Balance of the Mortgage Loans.
"Agreement": This Pooling and Servicing Agreement and all amendments
hereof.
"Allocated Realized Loss Amount": With respect to any Distribution Date
and any Class of Class A-2 Certificates and Class M Certificates, an amount
equal to the sum of any Realized Loss allocated to that class of Certificates on
that Distribution Date and any Allocated Realized Loss Amount for that class
remaining unpaid from any previous Distribution Date.
"Assignment": An assignment of Mortgage, notice of transfer or
equivalent instrument, in recordable form, which is sufficient under the laws of
the jurisdiction wherein the related Mortgaged Property is located to reflect a
record the sale of the Mortgage.
"Assignment Agreement": The Assignment, Assumption and Recognition
Agreement, dated as of the Closing Date, among the Company, the Trustee and the
Seller, whereby the Servicing Agreements are being assigned to the Trust, and
attached hereto as Exhibit K.
"Available Distribution Amount": With respect to any Distribution Date,
an amount equal to the aggregate of the following amounts with respect to the
Mortgage Loans: (a) all previously undistributed payments on account of
principal and all previously undistributed payments on account of interest
received after the Cut-off Date and on or prior to the related Determination
Date, (b) any Advances and Compensating Interest paid by the Servicers or the
Master Servicer with respect to such Distribution Date and (c) any reimbursed
amount in connection with losses on investments of deposits in an account,
except: (i) all payments that were due on or before the Cut-off Date; (ii) all
Principal Prepayments, Liquidation Proceeds and Subsequent Recoveries received
after the applicable Prepayment Period; (iii) all payments, other than Principal
Prepayments, that represent early receipt of scheduled payments due on a date or
dates subsequent to the related Due Date; (iv) amounts received on particular
Mortgage Loans as late payments of principal or interest and respecting which,
and to the extent that, there are any unreimbursed Advances; (v) any investment
earnings on amounts on deposit in the Custodial Account and the Certificate
Account and amounts permitted to be withdrawn from the Custodial Account and the
Certificate Account pursuant to this Agreement; (vi) amounts needed to pay the
Servicing Fees and Master Servicing Fees or to reimburse the Servicer or the
Master Servicer for amounts due under the applicable Servicing Agreement and the
Agreement to the extent such amounts have not been retained by, or paid
previously to, the Servicer or the Master Servicer; (vii) to pay any fees with
respect to the Radian Lender-Paid PMI Policy; and (viii) any amounts
reimbursable to the Trustee, the Securities Administrator and the Custodian
pursuant to this Agreement.
"Balloon Loan": Each of the Mortgage Loans identified in the Mortgage
Loan Schedule as having an original term to maturity that is shorter than the
related amortization term.
4
"Balloon Payment": With respect to any Balloon Loan, the payment due on
the stated maturity date of such Balloon Loan.
"Bankruptcy Code": The Bankruptcy Code of 1978, as amended.
"Basic Principal Distribution Amount": With respect to any Distribution
Date, the Principal Remittance Amount for such Distribution Date.
"Basis Risk Shortfall": With respect to any Class of Offered
Certificates, on each Distribution Date where clause (ii) of the definition of
"Pass-Through Rate" is less than clause (i) of the definition of "Pass-Through
Rate", the excess, if any, of (x) the aggregate Accrued Certificate Interest
thereon for such Distribution Date calculated pursuant to the lesser of clause
(i) of the definition of "Pass-Through Rate" over (y) interest accrued on the
Mortgage Loans at the Net WAC Rate.
"Basis Risk Shortfall Carry-Forward Amount": With respect to each class
of Offered Certificates and any Distribution Date, as determined separately for
each such class of Offered Certificates, an amount equal to the aggregate amount
of Basis Risk Shortfall for such Certificates on such Distribution Date, plus
any unpaid Basis Risk Shortfall for such class of Certificates from prior
Distribution Dates, plus interest thereon at the Pass-Through Rate for such
Distribution Date, to the extent previously unreimbursed by the Net Monthly
Excess Cashflow or the Corridor Contract.
"Basis Risk Shortfall Reserve Fund": A reserve fund established by the
Securities Administrator on behalf of the Trustee for the benefit of the Holders
of the Offered Certificates. The Basis Risk Shortfall Reserve Fund is an
"outside reserve fund" within the meaning of Treasury regulation Section
1.860G-2(h), which is not an asset of any REMIC, ownership of which is evidenced
by the Class C Certificates, and which is established and maintained pursuant to
Section 4.08.
"Book-Entry Certificate": Any Certificate registered in the name of the
Depository or its nominee.
"Business Day": Any day other than (i) a Saturday or a Sunday, or (ii)
a day on which the New York Stock Exchange or Federal Reserve is closed or on
which banking institutions in the jurisdiction in which the Trustee, the Master
Servicer, the Servicer, any Subservicer or the Securities Administrator is
located are authorized or obligated by law or executive order to be closed.
"Cash Liquidation": As to any defaulted Mortgage Loan other than a
Mortgage Loan as to which an REO Acquisition occurred, a determination by the
Servicer that it has received all Insurance Proceeds, Liquidation Proceeds and
other payments or cash recoveries which the Servicer reasonably and in good
faith expects to be finally recoverable with respect to such Mortgage Loan.
"Cenlar": Cenlar FSB.
"Cenlar Servicing Agreement": The Servicing Agreement dated March 5,
2004, between the
5
Company as owner and the Home Star Mortgage Services LLC as servicer.
"Certificate": Any Class A, Class M, Class C, Class P or Class R
Certificate.
"Certificate Account": The trust account or accounts created and
maintained pursuant to Section 4.01, which shall be entitled "HSBC Bank USA, in
trust for registered holders of Homestar Mortgage Acceptance Corp., Asset-Backed
Pass-Through Certificates, Series 2004-1 ", and which account or accounts must
each be an Eligible Account.
"Certificate Account Deposit Date": With respect to any Distribution
Date, the Business Day immediately preceding such Distribution Date.
"Certificateholder" or "Holder": The Person in whose name a Certificate
is registered in the Certificate Register, except that only a Permitted
Transferee shall be a holder of a Residual Certificate for any purposes hereof
and, solely for the purposes of giving any consent pursuant to this Agreement,
any Certificate registered in the name of the Company or the Master Servicer or
any affiliate thereof shall be deemed not to be outstanding and the Voting
Rights to which such Certificate is entitled shall not be taken into account in
determining whether the requisite percentage of Voting Rights necessary to
effect any such consent has been obtained, except as otherwise provided in
Section 11.01. The Trustee, the Securities Administrator and the NIMS Insurer
shall be entitled to rely upon a certification of the Company or the Master
Servicer in determining if any Certificates are registered in the name of the
respective affiliate. All references herein to "Holders" or "Certificateholders"
shall reflect the rights of Certificate Owners as they may indirectly exercise
such rights through the Depository and participating members thereof, except as
otherwise specified herein; PROVIDED, HOWEVER, that the Trustee, the Securities
Administrator and the NIMS Insurer shall be required to recognize as a "Holder"
or "Certificateholder" only the Person in whose name a Certificate is registered
in the Certificate Register.
"Certificate Margin": With respect to the Class X-0, Xxxxx X-0, Class
M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7 and Class
M-8 Certificates and solely for the purposes of the definition of Marker Rate
and Maximum Uncertificated Accrued Interest Deferral Amount, the REMIC I Regular
Interests (other than REMIC I Regular Interests LT-AA, LT-ZZ and LT-P), on any
Distribution Date prior to the Optional Termination Date, 0.320%, 0.420%,
0.530%, 0.560%, 0.630%, 1.050%, 1.150%, 1.350%, 1.700% and 1.800% per annum,
respectively, and on any Distribution Date on and after the Optional Termination
Date, 0.640%, 0.840%, 0.795%, 0.840%, 0.945%, 1.575%, 1.725%, 2.025%, 2.550% and
2.700% per annum, respectively.
"Certificate Owner": With respect to a Book-Entry Certificate, the
Person who is the beneficial owner of such Certificate, as reflected on the
books of an indirect participating brokerage firm for which a Depository
Participant acts as agent, if any, and otherwise on the books of a Depository
Participant, if any, and otherwise on the books of the Depository.
"Certificate Principal Balance": With respect to any Class of Class A
Certificates or Class M Certificates immediately prior to any Distribution Date,
the Initial Certificate Principal Balance thereof, plus any Subsequent
Recoveries added to the Certificate Principal Balance of such
6
Certificate, reduced by the sum of (a) all amounts actually distributed in
respect of principal of such Class and, (b) in the case of a Class A-2
Certificate or Class M Certificate, Realized Losses allocated thereto on all
prior Distribution Dates. With respect to the Class C Certificates as of any
date of determination, an amount equal to the excess, if any, of (A) the then
aggregate Uncertificated Principal Balances of the REMIC 1 Regular Interests
over (B) the then aggregate Certificate Principal Balances of the Class A
Certificates, the Class M Certificates and the Class P Certificates then
outstanding.
"Certificate Register": The register maintained pursuant to Section
5.02.
"Class": Collectively, all of the Certificates bearing the same
designation.
"Class A Certificate": Class A-1 Certificates or Class A-2
Certificates.
"Class A-1 Certificate": Any one of the Class A-1 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit A, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class A Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the aggregate Certificate Principal Balance of the Class
A Certificates immediately prior to such Distribution Date over (y) the lesser
of (a) 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
Prepayment Period) multiplied by approximately 84.10% and (b) the amount, if
any, by which (i) 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 Prepayment Period) exceeds (ii) the Overcollateralization
Target Amount.
"Class A-2 Certificate": Any one of the Class A-2 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit A, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class C Certificate": Any one of the Class C Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-2, executed by the Securities Administrator
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and authenticated and delivered by the Securities Administrator, representing
the right to distributions as set forth herein and therein and evidencing a
REMIC Regular Interest in REMIC 2.
"Class M Certificates": The Class M-1, Class M-2, Class M-3, Class M-4,
Class M-5, Class M-6, Class M-7 and Class M-8 Certificates.
"Class M-1 Certificate": Any one of the Class M-1 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-1, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class M-1 Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the sum of (i) the aggregate Certificate Principal
Balance of the Class A Certificates (after taking into account the distribution
of the Class A Principal Distribution Amount on such Distribution Date) and (ii)
the Certificate Principal Balance of the Class M-1 Certificates immediately
prior to such Distribution Date over (y) the lesser of (a) 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 Prepayment
Period) multiplied by approximately 87.50% and (b) the amount, if any, by which
(i) 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
Prepayment Period) exceeds (ii) the Overcollateralization Target Amount.
"Class M-2 Certificate": Any one of the Class M-2 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-1, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class M-2 Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the sum of (i) the aggregate Certificate Principal
Balance of the Class A Certificates and Class M-1 Certificates (after taking
into account the distribution of the Class A and Class M-1 Principal
Distribution Amounts on such Distribution Date) and (ii) the Certificate
Principal Balance of the Class M-2 Certificates immediately prior to such
Distribution Date over (y) the lesser of (a) 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
8
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
Prepayment Period) multiplied by approximately 90.50% and (b) the amount, if
any, by which (i) 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 Prepayment Period) exceeds (ii) the Overcollateralization
Target Amount.
"Class M-3 Certificate": Any one of the Class M-3 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-1, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class M-3 Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the sum of (i) the aggregate Certificate Principal
Balance of the Class A, Class M-1 and Class M-2 Certificates (after taking into
account the distributions of the Class A, Class M-1 and Class M-2 Principal
Distribution Amounts on such Distribution Date) and (ii) the Certificate
Principal Balance of the Class M-3 Certificates immediately prior to such
Distribution Date over (y) the lesser of (a) 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 Prepayment Period) multiplied by
92.50% and (a) the amount, if any, by which (i) 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 Prepayment Period) exceeds (ii) the
Overcollateralization Target Amount.
"Class M-4 Certificate": Any one of the Class M-4 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-1, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class M-4 Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the sum of (i) the aggregate Certificate Principal
9
Balance of the Class A, Class M-1, Class M-2 and Class M-3 Certificates (after
taking into account the distribution of the Class A, Class M-1, Class M-2 and
Class M-3 Principal Distribution Amounts on such Distribution Date) and (ii) the
Certificate Principal Balance of the Class M-4 Certificates immediately prior to
such Distribution Date over (y) the lesser of (a) 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 Prepayment Period) multiplied by
94.00% and (b) the amount, if any, by which (i) 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 Prepayment Period) exceeds (ii) the
Overcollateralization Target Amount.
"Class M-5 Certificate": Any one of the Class M-5 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-1, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class M-5 Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the sum of (i) the aggregate Certificate Principal
Balance of the Class A, Class M-1, Class M-2, Class M-3 and Class M-4
Certificates (after taking into account the distribution of the Class A, Class
M-1, Class M-2, Class M-3 and Class M-4 Principal Distribution Amount on such
Distribution Date) and (ii) the Certificate Principal Balance of the Class M-5
Certificates immediately prior to such Distribution Date over (y) the lesser of
(a) 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
Prepayment Period) multiplied by 95.00% and (b) the amount, if any, by which (i)
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
Prepayment Period) exceeds (ii) the Overcollateralization Target Amount.
"Class M-6 Certificate": Any one of the Class M-6 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-1, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from
10
the Basis Risk Shortfall Reserve Fund.
"Class M-6 Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the sum of (i) the aggregate Certificate Principal
Balance of the Class A, Class M-1, Class M-2, Class M-3, Class M-4 and Class M-5
Certificates (after taking into account the distribution of the Class A, Class
M-1, Class M-2, Class M-3, Class M-4 and Class M-5 Principal Distribution Amount
on such Distribution Date) and (ii) the Certificate Principal Balance of the
Class M-6 Certificates immediately prior to such Distribution Date over (y) the
lesser of (a) 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 Prepayment Period) multiplied by 97.00% and (b) the amount,
if any, by which (i) 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 Prepayment Period) exceeds (ii) the Overcollateralization
Target Amount.
"Class M-7 Certificate": Any one of the Class M-7 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-1, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class M-7 Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the sum of (i) the aggregate Certificate Principal
Balance of the Class A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5
and Class M-6 Certificates (after taking into account the distribution of the
Class A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5 and Class M-6
Principal Distribution Amounts on such Distribution Date) and (ii) the
Certificate Principal Balance of the Class M-7 Certificates immediately prior to
such Distribution Date over (y) the lesser of (a) 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 Prepayment Period) multiplied by
98.00% and (b) the amount, if any, by which (i) 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 Prepayment Period) exceeds (ii) the
Overcollateralization Target Amount.
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"Class M-8 Certificate": Any one of the Class M-8 Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-1, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing (i) a REMIC Regular
Interest in REMIC 2 and (ii) the right to receive the related Basis Risk
Shortfall Carry-Forward Amount from the Basis Risk Shortfall Reserve Fund.
"Class M-8 Principal Distribution Amount": For any applicable
Distribution Date on or after the Stepdown Date as long as a Trigger Event has
not occurred with respect to such Distribution Date, an amount equal to the
excess (if any) of (x) the sum of (i) the aggregate Certificate Principal
Balance of the Class A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5,
Class M-6 and Class M-7 Certificates (after taking into account the distribution
of the Class A, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6
and Class M-7 Principal Distribution Amounts on such Distribution Date) and (ii)
the Certificate Principal Balance of the Class M-8 Certificates immediately
prior to such Distribution Date over (y) the lesser of (a) 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 Prepayment
Period) multiplied by 99.00% and (b) the amount, if any, by which (i) 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
Prepayment Period) exceeds (ii) the Overcollateralization Target Amount.
"Class P Certificate": Any one of the Class P Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-3, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, representing the right to
distributions as set forth herein and therein and evidencing a REMIC Regular
Interest in REMIC 2.
"Class R Certificate": Any one of the Class R Certificates as
designated on the face thereof substantially in the form annexed hereto as
Exhibit B-4, executed by the Securities Administrator and authenticated and
delivered by the Securities Administrator, evidencing the ownership of the Class
R-1 Interest and Class R-2 Interest.
"Class R-1 Interest": The uncertificated Residual Interest in REMIC 1.
"Class R-2 Interest": The uncertificated Residual Interest in REMIC 2.
"Closing Date": March 5, 2004.
"Code": The Internal Revenue Code of 1986, as amended.
"Collateral Value": The appraised value of a Mortgaged Property based
upon the lesser of
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(i) the appraisal made at the time of the origination of the related Mortgage
Loan, or (ii) the sales price of such Mortgaged Property at such time of
origination. With respect to a Mortgage Loan the proceeds of which were used to
refinance an existing mortgage loan, the appraised value of the Mortgaged
Property based upon the appraisal obtained at the time of refinancing.
"Commission": The Securities and Exchange Commission.
"Company": Homestar Mortgage Acceptance Corp., or its successor in
interest.
"Compensating Interest": With respect to any Distribution Date, an
amount equal to Prepayment Interest Shortfalls resulting from Principal
Prepayments during the related Prepayment Period, but not more than the
Servicing Fees for the immediately preceding Due Period.
"Corridor Contract Counterparty": Swiss Re Financial Products
Corporation.
"Corridor Contract": The corridor contract between the Trustee and the
Corridor Contract Counterparty for the benefit of the Offered Certificates and
the Class C Certificates.
"Corporate Trust Office": With respect to the Trustee, the principal
corporate trust office of the Trustee at which at any particular time its
corporate trust business related to this Agreement shall be administered, which
office at the date of the execution of this Agreement is located at 000 Xxxxx
Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000, Attention: Issuer Servicer - Homestar, and
with respect to the Securities Administrator, for Certificate transfer purposes,
Xxxxx Fargo Center, Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx, Xxxxxxxxxxx, Xxxxxxxxx
00000, Attn: Corporate Trust Service- Homestar 2004-1, and for all other
purposes, 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, 00000, Attn: Corporate
Trust Services- Homestar 2004-1.
"Corresponding Certificate": With respect to:
(i) REMIC 1 Regular Xxxxxxxx XX-X0, the Class A-1
Certificates,
(ii) REMIC 1 Regular Xxxxxxxx XX-X0, the Class A-2
Certificates,
(iii) REMIC 1 Regular Interest LT-M1, the Class M-1
Certificates,
(iv) REMIC 1 Regular Interest LT-M2, the Class M-2
Certificates,
(v) REMIC 1 Regular Interest LT-M3, the Class M-3
Certificates,
(vi) REMIC 1 Regular Interest LT-M4, the Class M-4
Certificates,
(vii) REMIC 1 Regular Interest LT-M5, the Class M-5
Certificates,
(viii) REMIC 1 Regular Interest LT-M6, the Class M-6
Certificates,
13
(ix) REMIC 1 Regular Interest LT-M7, the Class M-7
Certificates,
(x) REMIC 1 Regular Interest LT-M8, the Class M-8
Certificates,
(xi) REMIC 1 Regular Interest LT-P, the Class P Certificates.
"Cumulative Loss Percentage": On any Distribution Date, the percentage
equivalent of a fraction, (x) the numerator of which is the aggregate principal
portion of Realized Losses on the Mortgage Loans from the Cut-off Date to the
end of the related Prepayment Period and (y) the denominator of which is the
Aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
"Curtailment": Any Principal Prepayment made by a Mortgagor which is
not a Principal Prepayment in Full.
"Custodial Account": The custodial account or accounts created and
maintained by the Master Servicer pursuant to Section 3.17 in the name of a
depository institution, as custodian for the Holders of the Certificates. Any
such account or accounts shall be an Eligible Account.
"Custodial Agreement" An agreement, dated as of the Closing Date among
the Company, the Master Servicer, the Trustee and the Custodian in substantially
the form of Exhibit N hereto.
"Custodian": Xxxxx Fargo Bank, N.A., or any successor custodian
appointed pursuant to the provisions hereof and of the Custodial Agreement.
"Cut-off Date": March 1, 2004.
"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 the Mortgage Loan, or any reduction
in the amount of principal to be paid in connection with any scheduled Monthly
Payment that constitutes a permanent forgiveness of principal, which valuation
or reduction results from a proceeding under the Bankruptcy Code.
"Definitive Certificate": Any definitive, fully registered Certificate.
"Deleted Mortgage Loan": A Mortgage Loan replaced or to be replaced
with a Qualified Substitute Mortgage Loan.
"Depository": The Depository Trust Company, or any successor Depository
hereafter named. The nominee of the initial Depository for purposes of
registering those Certificates that are to be Book-Entry Certificates is Cede &
Co. The Depository shall at all times be a "clearing corporation" as defined in
Section 8-102(5) of the Uniform Commercial Code of the State of New York and a
"clearing agency" registered pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.
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"Depository Participant": A broker, dealer, bank or other financial
institutions or other Person for whom from time to time a Depository effects
book-entry transfers and pledges of securities deposited with the Depository.
"Determination Date": The 15th day (or if such 15th day is not a
Business Day, the Business Day immediately preceding such 15th day) of the month
of the related Distribution Date.
"Disqualified Organization": Any organization defined as a
"disqualified organization" under Section 860E(e)(5) of the Code, which includes
any of the following: (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 (other than an instrumentality which is a corporation if
all of its activities are subject to tax and, except for the Xxxxxxx Mac, a
majority of its board of directors is not selected by such governmental unit),
(ii) a foreign government, any international organization, or any agency or
instrumentality of any of the foregoing, (iii) 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 (including the tax imposed
by Section 511 of the Code on unrelated business taxable income), (iv) rural
electric and telephone cooperatives described in Section 1381(a)(2)(C) of the
Code and (v) any other Person so designated by the Securities Administrator
based upon an Opinion of Counsel that the holding of an Ownership Interest in a
Class R Certificate by such Person may cause REMIC 1 or REMIC 2 or any Person
having an Ownership Interest in any Class of Certificates (other than such
Person) to incur a liability for any federal tax imposed under the Code that
would not otherwise be imposed but for the Transfer of an Ownership Interest in
a Class R Certificate to such Person. The terms "United States", "State" and
"international organization" shall have the meanings set forth in Section 7701
of the Code or successor provisions.
"Distribution Date": The 25th day of any month, or if such 25th day is
not a Business Day, the Business Day immediately following such 25th day,
commencing in April 2004.
"Due Date": The first day of the month of the related Distribution
Date.
"Due Period": With respect to any Distribution Date, the period
commencing on the second day of the month preceding the month of such
Distribution Date (or, with respect to the first Due Period, the day following
the Cut-off Date) and ending on the first day of the month of the related
Distribution Date.
"XXXXX": The Electronic Data Gathering and Retrieval System of the
Commission.
"Eligible Account": Any of (i) a segregated account maintained with a
federal or state chartered depository institution (A) the short-term obligations
of which are rated A-1+ or better by Standard & Poor's and P-1 by Moody's at the
time of any deposit therein or (B) insured by the FDIC (to the limits
established by such Corporation), the uninsured deposits in which account are
otherwise secured such that, as evidenced by an Opinion of Counsel (obtained by
the Person requesting that the account be held pursuant to this clause (ii))
delivered to the Trustee and the NIMS Insurer prior to the establishment of such
account, the Certificateholders will have a claim with respect to the funds in
such account and a perfected first priority security interest against any
15
collateral (which shall be limited to Permitted Investments, each of which shall
mature not later than the Business Day immediately preceding the Distribution
Date next following the date of investment in such collateral or the
Distribution Date if such Permitted Investment is an obligation of the
institution that maintains the Certificate Account or Custodial Account)
securing such funds that is superior to claims of any other depositors or
general creditors of the depository institution with which such account is
maintained, (ii) a segregated trust account or accounts maintained with a
federal or state chartered depository institution or trust company subject to
regulations regarding fiduciary funds on deposit similar to Title 12 of the Code
of Federal Regulations Section 9.10(b), which, in either case, has corporate
trust powers, acting in its fiduciary capacity or (iii) a segregated account or
accounts of a depository institution acceptable to the Rating Agencies (as
evidenced in writing by a letter from the Rating Agencies to the Trustee and the
NIMS Insurer that use of any such account as the Custodial Account or the
Certificate Account will not have an adverse effect on the then-current ratings
assigned to the Classes of the Certificates then rated by the Rating Agencies)
and the NIMS Insurer. Eligible Accounts may bear interest.
"Event of Default": One or more of the events described in Section
7.01.
"Exchange Act": The Securities Exchange Act of 1934, as amended, and
the rules and regulations promulgated thereunder.
"Extra Principal Distribution Amount": With respect to any Distribution
Date, is the lesser of (x) the Overcollateralization Deficiency Amount for such
Distribution Date and (y) the Net Monthly Excess Cashflow Amount for such
Distribution Date.
"Xxxxxx Xxx": Federal National Mortgage Association or any successor.
"FDIC": Federal Deposit Insurance Corporation or any successor.
"Fitch Ratings": Fitch, Inc., or its successor in interest.
"Fixed Rate Mortgage Loans": The Mortgage Loans identified in the
Mortgage Loan Schedule as having a Mortgage Rate which is fixed for the life of
the related Mortgage, including any Mortgage Loans delivered in replacement
thereof.
"Xxxxxxx Mac": Federal Home Loan Mortgage Corporation or any successor.
"Funding Date": With respect to each Mortgage Loan, the date on which
funds were advanced by or on behalf of the Seller and interest began to accrue
thereunder.
"Indenture": An indenture relating to the issuance of notes secured by
the Class C Certificates and Class P Certificates (or any portion thereof) which
may or may not be guaranteed by the NIMS Insurer.
"Initial Certificate Principal Balance": With respect to each Class of
Regular Certificates, the Initial Certificate Principal Balance of such Class of
Certificates as set forth in the Preliminary
16
Statement hereto, or with respect to any single Certificate, the Initial
Certificate Principal Balance as stated on the face thereof.
"Initial Notional Amount": With respect to the Class C Certificate, the
aggregate of the initial Uncertificated Principal Balance of the REMIC 1 Regular
Interests (other than REMIC 1 Regular Interest LT-P).
"Insurance Policy": With respect to any Mortgage Loan, any insurance
policy (including a Radian Lender-Paid PMI Policy) which is required to be
maintained from time to time under this Agreement in respect of such Mortgage
Loan.
"Insurance Proceeds": Proceeds paid in respect of the Mortgage Loans
pursuant to any Primary Hazard Insurance Policy, any title insurance policy or
any other insurance policy covering a Mortgage Loan, to the extent such proceeds
are not applied to the restoration of the related Mortgaged Property or released
to the Mortgagor in accordance with the procedures that the Servicer would
follow in servicing mortgage loans held for its own account.
"Interest Carry Forward Amount: With respect to each Class of Offered
Certificates and each Distribution Date, the excess of (a) the Accrued
Certificate Interest for such Class with respect to prior Distribution Dates,
over (b) the amount actually distributed to such Class with respect to interest
on such prior Distribution Dates, with interest on such excess at the related
Pass-Through Rate.
"Interest Determination Date": With respect to the first Accrual
Period, the second LIBOR Business Day preceding the Closing Date, and with
respect to each Accrual Period thereafter, the second LIBOR Business Day
preceding the related Payment Date on which such Accrual Period commences.
"Interest Remittance Amount": With respect to any Distribution Date,
that portion of the Available Distribution Amount for such Distribution Date
allocable to interest received or advanced on the Mortgage Loans.
"Late Collections": With respect to any Mortgage Loan, all amounts
received during any Due Period, whether as late payments of Monthly Payments or
as Insurance Proceeds, Liquidation Proceeds or otherwise, which represent late
payments or collections of Monthly Payments due but delinquent for a previous
Due Period and not previously recovered.
"LIBOR": With respect to any Distribution Date and the Pass-Through
Rates on the Offered Certificates, the arithmatic mean of the Loan interbank
offered rate quotations of reference banks (which will be selected by the
Securities Administrator) for one-month U.S. dollar deposits, expressed on a per
annum basis, determined in accordance with Section 1.02.
"LIBOR Business Day": A day on which banks are open for dealing in
foreign currency and exchange in London and New York City.
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"Liquidated Mortgage Loan": As to any Distribution Date, any Mortgage
Loan in respect of which the Servicer has determined, in accordance with the
servicing procedures specified in the Servicing Agreement, as of the end of the
related Prepayment Period, that all Liquidation Proceeds which it expects to
recover with respect to the liquidation of the Mortgage Loan or disposition of
the related REO Property have been recovered.
"Liquidation Proceeds": Amounts (other than Insurance Proceeds)
received by the Servicer or Master Servicer in connection with the taking of an
entire Mortgaged Property by exercise of the power of eminent domain or
condemnation or in connection with the liquidation of a defaulted Mortgage Loan
through trustee's sale, foreclosure sale or otherwise and any Subsequent
Recoveries, other than amounts received in respect of any REO Property.
"Loan-to-Value Ratio": As of any date of determination, the fraction,
expressed as a percentage, the numerator of which is the current principal
balance of the related Mortgage Loan at the date of determination and the
denominator of which is the Collateral Value of the related Mortgaged Property.
"Lost Note Affidavit": With respect to any Mortgage Loan as to which
the original Mortgage Note has been permanently lost, misplaced or destroyed and
has not been replaced, an affidavit from the Seller certifying that the original
Mortgage Note has been lost, misplaced or destroyed (together with a copy of the
related Mortgage Note) and indemnifying the Trust Fund against any loss, cost or
liability resulting from the failure to deliver the original Mortgage Note in
the form of Exhibit J hereto.
"Majority Class C Certificateholder": With respect to the Class C
Certificates and any Distribution Date, the Holder of a 50.01% or greater
Percentage Interest of the Class C Certificates.
"Marker Rate": With respect to the Class C Certificates and any
Distribution Date, a per annum rate equal to two (2) times the weighted average
of the Uncertificated REMIC 1 Pass- Through Rates for each REMIC 1 Regular
Interest (other than REMIC 1 Regular Interest LT-AA and REMIC I Regular Interest
LT-P) subject to a cap (for each such REMIC 1 Regular Interest other than REMIC
1 Regular Interest LT-ZZ) equal to the lesser of (x) One-Month LIBOR plus the
related Certificate Margin of the Corresponding Certificate and (y) the Net WAC
Rate for the purpose of this calculation; with the rate on REMIC 1 Regular
Interest LT-ZZ subject to a cap of zero for the purpose of this calculation.
"Master Servicer": Xxxxx Fargo Bank, N.A., or any successor master
servicer appointed as herein provided.
"Master Servicing Fees": As to each Mortgage Loan, an amount, equal to
interest at the Master Servicing Fee Rate on the Stated Principal Balance of
such Mortgage Loan as of the Due Date in the calendar month preceding the month
in which the payment of the Master Servicing Fee is due.
"Master Servicing Fee Rate": With respect to each Mortgage Loan, the
per annum rate of
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0.0125%.
"Maximum Uncertificated Accrued Interest Deferral Amount": With respect
to any Distribution Date, the excess of (a) accrued interest at the
Uncertificated REMIC 1 Pass-Through Rate applicable to REMIC 1 Regular Interest
LT-ZZ for such Distribution Date on a balance equal to the excess of (i) the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-ZZ over (ii) the
REMIC 1 Overcollateralized Amount, in each case for such Distribution Date over
(b) the sum of (I) Uncertificated Accrued Interest on REMIC 1 Regular Xxxxxxxx
XX-X0, with the rate on REMIC 1 Regular Xxxxxxxx XX-X0 subject to a cap equal to
the lesser of (x) One-Month LIBOR plus the related Certificate Margin and (y)
the Net WAC Rate, (II) Uncertificated Accrued Interest on REMIC 1 Regular
Xxxxxxxx XX-X0, with the rate on REMIC 1 Regular Xxxxxxxx XX-X0 subject to a cap
equal to the lesser of (x) One-Month LIBOR plus the related Certificate Margin
and (y) the Net WAC Rate, (III) Uncertificated Accrued Interest on REMIC 1
Regular Interest LT-M1 with the rate on REMIC 1 Regular Interest LT-M1 subject
to a cap equal to the lesser of (x) One-Month LIBOR plus the related Certificate
Margin and (y) the Net WAC Rate, (IV) Uncertificated Accrued Interest on REMIC 1
Regular Interest LT-M2 with the rate on REMIC 1 Regular Interest LT-M2 subject
to a cap equal to the lesser of (x) One-Month LIBOR plus the related Certificate
Margin and (y) the Net WAC Rate, (V) Uncertificated Accrued Interest on REMIC 1
Regular Interest LT-M3 with the rate on REMIC 1 Regular Interest LT-M3 subject
to a cap equal to the lesser of (x) One-Month LIBOR plus the related Certificate
Margin and (y) the Net WAC Rate, (VI) Uncertificated Accrued Interest on REMIC 1
Regular Interest LT-M4 with the rate on REMIC 1 Regular Interest LT-M4 subject
to a cap equal to the lesser of (x) One-Month LIBOR plus the related Certificate
Margin and (y) the Net WAC Rate, (VII) Uncertificated Accrued Interest on REMIC
1 Regular Interest LT-M5 with the rate on REMIC 1 Regular Interest LT-M5 subject
to a cap equal to the lesser of (x) One-Month LIBOR plus the related Certificate
Margin and (y) the Net WAC Rate, (VIII) Uncertificated Accrued Interest on REMIC
1 Regular Interest LT-M6 with the rate on REMIC 1 Regular Interest LT-M6 subject
to a cap equal to the lesser of (x) One-Month LIBOR plus the related Certificate
Margin and (y) the Net WAC Rate, (IX) Uncertificated Accrued Interest on REMIC 1
Regular Interest LT-M7 with the rate on REMIC 1 Regular Interest LT-M7 subject
to a cap equal to the lesser of (x) One-Month LIBOR plus the related Certificate
Margin and (y) the Net WAC Rate, and (X) Uncertificated Accrued Interest on
REMIC 1 Regular Interest LT-M8 with the rate on REMIC 1 Regular Interest LT-M8
subject to a cap equal to the lesser of (x) One-Month LIBOR plus the related
Certificate Margin and (y) the Net WAC Rate.
"MERS": Mortgage Electronic Registration Systems, Inc., a corporation
organized and existing under the laws of the State of Delaware, or any successor
thereto.
"MERS(R) 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(R)System.
"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
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assigns, at the origination thereof.
"Monthly Payment": With respect to any Mortgage Loan, the scheduled
monthly payment of principal and interest on such Mortgage Loan which is payable
by a Mortgagor from time to time under the related Mortgage Note as originally
executed (after adjustment, if any, for Deficient Valuations occurring prior to
such Due Date, and after any adjustment by reason of any bankruptcy or similar
proceeding or any moratorium or similar waiver or grace period), and other than
any Balloon Payment.
"Moody's": Xxxxx'x Investors Service, Inc., or its successor in
interest.
"Mortgage": The mortgage, deed of trust or any other instrument
securing the Mortgage Loan.
"Mortgage File": The mortgage documents listed in Section 2.01
pertaining to a particular Mortgage Loan and any additional documents required
to be added to the Mortgage File pursuant to this Agreement; provided, that
whenever the term "Mortgage File" is used to refer to documents actually
received by the Custodian as agent for the Trustee, such term shall not be
deemed to include such additional documents required to be added unless they are
actually so added.
"Mortgage Loan": Each of the mortgage loans, transferred and assigned
to the Trustee pursuant to Section 2.01, 2.04 or 2.06 and from time to time held
in the Trust Fund (including any Qualified Substitute Mortgage Loans), the
Mortgage Loans so transferred, assigned and held being identified in the
Mortgage Loan Schedule. As used herein, the term "Mortgage Loan" includes the
related Mortgage Note and Mortgage.
"Mortgage Loan Purchase Agreement": The Mortgage Loan Purchase
Agreement dated as the Cut-off Date, between Home Star Mortgage Services, LLC,
as seller and the Company as purchaser, and all amendments thereof and
supplements thereto, attached hereto as Exhibit P.
"Mortgage Loan Schedule": As of any date of determination, the schedule
of Mortgage Loans included in the Trust Fund. The initial schedule of Mortgage
Loans with accompanying information transferred on the Closing Date to the
Trustee as part of the Trust Fund for the Certificates, attached hereto as
Exhibit H (as amended from time to time to reflect the addition of Qualified
Substitute Mortgage Loans) (and, for purposes of the Trustee pursuant to Section
2.02, in computer-readable form as delivered to the Trustee), which list shall
set forth the following information with respect to each Mortgage Loan:
(i) the loan number and name of the Mortgagor;
(ii) xxx xxxxxx xxxxxxx, xxxx, xxxxx and zip code of the Mortgaged
Property;
(iii) (A) the original term to maturity and (B) if such Mortgage Loan
is a Balloon Loan, the amortization term thereof;
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(iv) the original principal balance and the original Mortgage Rate;
(v) the first Distribution Date;
(vi) whether the Mortgage Loan is a Balloon Mortgage Loan or a Mortgage
Loan the terms of which do not provide for a Balloon Payment;
(vii) the type of Mortgaged Property;
(viii) the Monthly Payment in effect as of the Cut-off Date;
(ix) the principal balance as of the Cut-off Date;
(x) the Mortgage Rate as of the Cut-off Date;
(xi) the occupancy status;
(xii) the purpose of the Mortgage Loan;
(xiii) the Collateral Value of the Mortgaged Property;
(xiv) the original term to maturity;
(xv) the paid-through date of the Mortgage Loan;
(xvi) the Master Servicing Fee Rate;
(xvii) the Servicing Fee Rate;
(xviii) the Net Mortgage Rate for such Mortgage Loan;
(xix) whether such Mortgage Loan is a Radian Lender-Paid PMI Loan and,
if so, the related Radian Lender-Paid PMI Rate;
(xx) whether the Mortgage Loan is covered by a private mortgage
insurance policy or an original certificate of private mortgage insurance;
(xxi) the documentation type;
(xxii) the type and term of the related Prepayment Charge, if any;
(xxiii) with respect to each Adjustable Rate Mortgage Loan;
(a) the frequency of each Adjustment Date;
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(b) the next Adjustment Date;
(c) the Maximum Mortgage Rate;
(d) the Minimum Mortgage Rate;
(e) the Mortgage Rate as of the Cut-off Date;
(f) the related Periodic Rate Cap;
(g) the Gross Margin; and
(h) the purpose of the Mortgage Loan.
"Mortgage Note": The note or other evidence of the indebtedness of a
Mortgagor under a Mortgage Loan.
"Mortgage Rate": With respect to any Mortgage Loan, the annual rate at
which interest accrues on such Mortgage Loan, as adjusted from time to time in
accordance with the provisions of the Mortgage Note.
"Mortgaged Property": The underlying property securing a Mortgage Loan.
"Mortgagor": The obligor or obligors on a Mortgage Note.
"Net Liquidation Proceeds": With respect to any Liquidated Mortgage
Loan or any other disposition of related Mortgaged Property (including REO
Property) the related Liquidation Proceeds net of Advances, Servicing Advances,
Servicing Fees and any other accrued and unpaid servicing fees received and
retained in connection with the liquidation of such Mortgage Loan or Mortgaged
Property.
"Net Mortgage Rate": With respect to each Mortgage Loan Due Date, a per
annum rate of interest equal to the then-applicable Mortgage Rate on such
Mortgage Loan less the sum of the Master Servicing Fee Rate and the Servicing
Fee Rate, and with respect to the Radian Lender-Paid PMI Loans, the Radian
Lender-Paid PMI Rate.
"Net Monthly Excess Cashflow": For any Distribution Date, the excess of
(x) the Available Distribution Amount for such distribution date over (y) the
sum for such Distribution Date of (A) the aggregate Accrued Certificate Interest
for the Offered Certificates, (B) the aggregate Interest Carry Forward Amount
for the Class A Certificates and (C) the Principal Remittance Amount.
"Net Prepayment Interest Shortfall": With respect to any Distribution
Date, the excess, if any, of any Prepayment Interest Shortfalls for such date
over the related Compensating Interest.
"Net WAC Rate": With respect to the Offered Certificates, the weighted
average of the Net
22
Mortgage Rates of the Mortgage Loans, weighted on the basis of the Stated
Principal Balances thereof as of the close of business on the first day of the
calendar month preceding the month in which such Distribution Date occurs. For
federal income tax purposes, the equivalent of the foregoing shall be expressed
as the weighted average of the Uncertificated REMIC 1 Pass-Through Rate on each
REMIC 1 Regular Interest, weighted on the basis of the Uncertificated Principal
Balance of each such REMIC 1 Regular Interest.
"NIMS Insurer": Any insurer that is guaranteeing certain payments under
notes secured by collateral which includes all or a portion of the Class C
Certificates and Class P Certificates.
"Nonrecoverable Advance": Any Advance or Servicing Advance previously
made or proposed to be made in respect of a Mortgage Loan which, in the good
faith judgment of the Servicer or the Master Servicer, will not or, in the case
of a proposed Advance or Servicing Advance, would not be ultimately recoverable
from related Late Collections, Insurance Proceeds, Liquidation Proceeds or REO
Proceeds. The determination by the Servicer or the Master Servicer that it has
made a Nonrecoverable Advance or that any proposed Advance or Servicing Advance
would constitute a Nonrecoverable Advance, shall be evidenced by a certificate
of a Servicing Officer delivered, in the case of the Servicer, to the Company
and the Master Servicer, and in the case of the Master Servicer, to the Company
and the Trustee.
"Non-United States Person": Any Person other than a United States
Person.
"Notional Amount": With respect to the Class C Certificates,
immediately prior to any Distribution Date, the aggregate of the Uncertificated
Principal Balances of the REMIC 1 Regular Interests other than REMIC 1 Regular
Interest LT-P.
"Offered Certificates": The Class A Certificates and Class M
Certificates.
"Officers' Certificate": A certificate signed by the Chairman of the
Board, the Vice Chairman of the Board, the President or a vice president and by
the Treasurer, the Secretary, or one of the assistant treasurers or assistant
secretaries of the Company, the Seller, the Master Servicer or of any
Subservicer and delivered to the Company and Trustee.
"Opinion of Counsel": A written opinion of counsel, who may be counsel
for the Company, the Seller, or the Master Servicer, reasonably acceptable to
the Trustee and Securities Administrator; except that any opinion of counsel
relating to (a) the qualification of any account required to be maintained
pursuant to this Agreement as an Eligible Account, (b) the qualification of
REMIC 1 or REMIC 2 as REMICs, (c) compliance with the REMIC Provisions or (d)
resignation of the Master Servicer pursuant to Section 6.04 must be an opinion
of counsel who (i) is in fact independent of the Company and the Master
Servicer, (ii) does not have any direct financial interest or any material
indirect financial interest in the Company or the Master Servicer or in an
affiliate of either and (iii) is not connected with the Company or the Master
Servicer as an officer, employee, director or person performing similar
functions.
"Option One": Option One Mortgage Corporation.
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"Option One Servicing Agreement": The Servicing Agreement dated March
5, 2004, between Xxxxx Fargo Bank, N.A. as master servicer and the Home Star
Mortgage Services LLC as seller and servicer.
"Optional Termination Date": The first Distribution Date following the
first Distribution Date after the aggregate Stated Principal Balance of the
Mortgage Loans, and properties acquired in respect thereof, remaining in the
Trust Fund has been reduced to less than or equal to 10% of the aggregate Stated
Principal Balance of the Mortgage Loans as of the Cut-off Date.
"OTS": Office of Thrift Supervision or any successor.
"Outstanding Mortgage Loan": As to any Due Date, a Mortgage Loan
(including an REO Property) which was not the subject of a Principal Prepayment
in Full, Cash Liquidation or REO Disposition and which was not purchased prior
to such Due Date pursuant to Sections 2.02, 2.04 or 3.14.
"Overcollateralization Deficiency Amount": With respect to any
Distribution Date, the amount, if any, by which the Overcollateralization Target
Amount exceeds the Overcollateralized Amount on such Distribution Date (after
giving effect to distributions in respect of the Basic Principal Distribution
Amount on such Distribution Date).
"Overcollateralization Target Amount": With respect to any Distribution
Date, 0.50% of the aggregate Stated Principal Balance of the Mortgage Loans as
of the Cut-off Date.
"Overcollateralized Amount": With respect to any Distribution Date, the
amount, if any, by which (i) the aggregate Stated Principal Balance of the
Mortgage Loans (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 any Realized Losses on the Mortgage Loans) exceeds (ii) the aggregate
Certificate Principal Balance of the Offered Certificates and the Class P
Certificates as of such Distribution Date after giving effect to distributions
in respect of the Basic Principal Distribution Amount on such Distribution Date.
"Ownership Interest": As to any Certificate, any ownership or security
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, as owner or as pledgee.
"Pass-Through Rate": With respect to each Distribution Date and each
class of Offered Certificates, a floating rate equal to the lesser of (i)
One-Month LIBOR plus the related Certificate Margin and (ii) the Net WAC Rate
with respect to such Distribution Date. With respect to any Distribution Date
and the Class C Certificates, a per annum rate equal to the percentage
equivalent of a fraction, the numerator of which is (x) the sum of the amounts
calculated pursuant to clauses (A) through (M) below, and the denominator of
which is (y) the aggregate of the Uncertificated Principal Balances of the REMIC
1 Regular Interests (other than REMIC 1 Regular Interests LT-P). For purposes of
calculating the Pass-Through Rate for the Class C Certificates, the numerator is
24
equal to the sum of the following components:
(A) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-AA minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-AA;
(B) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-A1 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-A1;
(C) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-A2 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-A2;
(D) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-M1 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M1;
(E) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-M2 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M2;
(F) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-M3 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M3;
(G) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-M4 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M4;
(H) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-M5 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M5;
(I) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-M6 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M6;
(J) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-M7 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M7;
(K) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-M8 minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M8;
25
(L) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-ZZ minus the Marker Rate, applied to an amount equal to the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-ZZ; and
(M) 100% of the interest on REMIC 1 Regular Interest LT-P.
The Class P Certificates and the Class R Certificates will not accrue interest
and therefore will not have a Pass-Through Rate.
"Percentage Interest": With respect to any Certificate (other than a
Class R Certificate), the undivided percentage ownership interest in the related
Class evidenced by such Certificate, which percentage ownership interest shall
be equal to the Initial Certificate Principal Balance thereof or Initial
Notional Amount, as applicable, thereof divided by the aggregate Initial
Certificate Principal Balance or Initial Notional Amount, as applicable, of all
of the Certificates of the same Class. With respect to any Class R Certificate,
the interest in distributions to be made with respect to such Class evidenced
thereby, expressed as a percentage, as stated on the face of each such
Certificate.
"Permitted Investment": One or more of the following:
(i) obligations of or guaranteed as to principal and interest by the
United States or any agency or instrumentality thereof when such obligations are
backed by the full faith and credit of the United States;
(ii) repurchase agreements on obligations specified in clause (i)
maturing not more than one month from the date of acquisition thereof, provided
that the unsecured obligations of the party agreeing to repurchase such
obligations are at the time rated by each Rating Agency in its highest
short-term rating available;
(iii) federal funds, certificates of deposit, demand deposits, time
deposits and bankers' acceptances (which shall each have an original maturity of
not more than 90 days and, in the case of bankers' acceptances, shall in no
event have an original maturity of more than 365 days or a remaining maturity of
more than 30 days) denominated in United States dollars of any U.S. depository
institution or trust company incorporated under the laws of the United States or
any state thereof or of any domestic branch of a foreign depository institution
or trust company; provided that the debt obligations of such depository
institution or trust company (or, if the only Rating Agency is Standard &
Poor's, in the case of the principal depository institution in a depository
institution holding company, debt obligations of the depository institution
holding company) at the date of acquisition thereof have been rated by each
Rating Agency in its highest short-term rating available; and provided further
that, if the only Rating Agency is Standard & Poor's and if the depository or
trust company is a principal subsidiary of a bank holding company and the debt
obligations of such subsidiary are not separately rated, the applicable rating
shall be that of the bank holding company; and, provided further that, if the
original maturity of such short-term obligations of a domestic branch of a
foreign depository institution or trust company shall exceed 30 days, the
short-term rating of such institution shall be A-1+ in the case of Standard &
Poor's if Standard & Poor's is the Rating Agency;
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(iv) commercial paper (having original maturities of not more than 365
days) of any corporation incorporated under the laws of the United States or any
state thereof which on the date of acquisition has been rated by Moody's and
Standard & Poor's in their highest short-term ratings available; provided that
such commercial paper shall have a remaining maturity of not more than 30 days;
(v) a money market fund or a qualified investment fund rated by Moody's
in its highest long-term ratings available and rated AAAm or AAAm-G by Standard
& Poor's, including any such funds for which Xxxxx Fargo Bank, N.A. or any
affiliate thereof serves as an investment advisor, manager, administrator,
shareholder, servicing agent, and/or custodian or sub-custodian; and
(vi) other obligations or securities that are acceptable to each Rating
Agency as a Permitted Investment hereunder and will not reduce the rating
assigned to any Class of Certificates by such Rating Agency below the lower of
the then-current rating or the rating assigned to such Certificates as of the
Closing Date by such Rating Agency, as evidenced in writing;
PROVIDED, HOWEVER, that no instrument shall be a Permitted Investment if it
represents, either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest payments derived from obligations underlying such instrument and the
principal and interest payments with respect to such instrument provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations.
"Permitted Transferee": Any transferee of a Residual Certificate other
than a Disqualified Organization, a Non-United States Person or an "electing
large partnership" (as defined in Section 775 of the Code).
"Person": Any individual, corporation, partnership, limited liability
company, joint venture, association, joint-stock company, trust, unincorporated
organization or government or any agency or political subdivision thereof.
"Prepayment Assumption": As defined in the Prospectus Supplement.
"Prepayment Charge": With respect to any Mortgage Loan, the charges,
penalties or premiums, if any, due in connection with a full or partial
prepayment of such Mortgage Loan in accordance with the terms of the related
Mortgage Note (or any rider or annex thereto), or any amounts in respect thereof
paid by the Seller in accordance with the Mortgage Loan Purchase Agreement or
the Servicer in accordance with the Servicing Agreements.
"Prepayment Interest Shortfall": As to any Distribution Date and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was
the subject of (a) a Principal Prepayment in Full during the related Prepayment
Period, an amount equal to the excess of one month's interest at the Net
Mortgage Rate on the Stated Principal Balance of such Mortgage Loan over the
amount of interest (adjusted to the Net Mortgage Rate) paid by the Mortgagor for
such Prepayment Period to the date of such Principal Prepayment in Full or (b) a
Curtailment during the prior calendar month, an amount equal to one month's
interest at the Mortgage Rate on the amount
27
of such Curtailment.
"Prepayment Period": As to any Distribution Date, the calendar month
preceding the month in which such Distribution Date occurs.
"Primary Hazard Insurance Policy": Each primary hazard insurance policy
required to be maintained pursuant to Section 3.13.
"Primary Insurance Policy": Any primary policy of mortgage guaranty
insurance including the Radian Lender-Paid PMI Policy, or any replacement policy
therefor.
"Principal Distribution Amount": With respect to any Distribution Date,
an amount equal to the sum of the Basic Principal Distribution Amount plus the
Extra Principal Distribution Amount.
"Principal Prepayment": Any payment of principal made by the Mortgagor
on a Mortgage Loan which is received in advance of its scheduled Due Date and
which is not accompanied by an amount of interest representing scheduled
interest due on any date or dates in any month or months subsequent to the month
of prepayment.
"Principal Prepayment in Full": Any Principal Prepayment made by a
Mortgagor of the entire unpaid principal balance of the Mortgage Loan.
"Principal Remittance Amount": With respect to any Distribution Date,
the sum of (i) each scheduled payment of principal collected or advanced on the
Mortgage Loans by the Servicer or Master Servicer that was due during the
related Due Period, (ii) the principal portion of all partial and full Principal
Prepayments of the Mortgage Loans applied by the Servicer or Master Servicer
during the related Prepayment Period, (iii) the principal portion of all Net
Liquidation Proceeds, REO Proceeds, Insurance Proceeds and Subsequent Recoveries
received during the related Prepayment Period, (iv) the principal portion of
proceeds of Mortgage Loan purchases made pursuant to Section 2.02, 2.04 or 3.06,
in each case received or made during the related Prepayment Period, (v) the
principal portion of any related Substitution Adjustments deposited in the
Custodial Account during the related Prepayment Period and (vi) on the
Distribution Date on which the Trust Fund is to be terminated pursuant to
Section 9.01, the principal portion of the termination price received from the
Servicer, the NIMS Insurer or the Master Servicer, as applicable, in connection
with a termination of the Trust Fund to occur on such Distribution Date.
"Prospectus Supplement": That certain Prospectus Supplement dated March
4, 2004 relating to the public offering of the Offered Certificates.
"Protected Account": An account established and maintained for the
benefit of Certificateholders by the Servicer with respect to the related
Mortgage Loans and with respect to REO Property pursuant to the respective
Servicing Agreements.
"Purchase Price": With respect to any Mortgage Loan (or REO Property)
required to be purchased pursuant to Section 2.02, 2.04 or 3.06, an amount equal
to the sum of (i) 100% of the
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Stated Principal Balance thereof, (ii) unpaid accrued interest (or REO Imputed
Interest) at the applicable Net Mortgage Rate on the Stated Principal Balance
thereof outstanding during each Due Period that such interest was not paid or
advanced, from the date through which interest was last paid by the Mortgagor or
advanced and distributed to Certificateholders together with unpaid Master
Servicing Fees, Servicing Fees and, if such Mortgage Loan is a Radian
Lender-Paid PMI Loan, fees due Radian at the Radian Lender-Paid PMI Rate, from
the date through which interest was last paid by the Mortgagor, in each case to
the first day of the month in which such Purchase Price is to be distributed,
plus (iii) the aggregate of all Advances and Servicing Advances made in respect
thereof that were not previously reimbursed and (iv) costs and damages incurred
by the Trust Fund and the NIMS Insurer in connection with a repurchase pursuant
to Section 2.04 hereof that arises out of a violation of any predatory lending
law which also constitutes an actual breach of representation (xliv) of Section
3.01(b) of the Mortgage Loan Purchase Agreement.
"Qualified Insurer": Any insurance company duly qualified as such under
the laws of the state or states in which the related Mortgaged Property or
Mortgaged Properties is or are located, duly authorized and licensed in such
state or states to transact the type of insurance business in which it is
engaged and approved as an insurer by the Master Servicer, so long as the claims
paying ability of which is acceptable to the Rating Agencies for pass-through
certificates having the same rating as the Certificates rated by the Rating
Agencies as of the Closing Date.
"Qualified Substitute Mortgage Loan": A Mortgage Loan substituted by
the Company for a Deleted Mortgage Loan which must, on the date of such
substitution, as confirmed in an Officers' Certificate of the Seller delivered
to the Trustee, (i) have an outstanding principal balance, after deduction of
the principal portion of the monthly payment due in the month of substitution
(or in the case of a substitution of more than one Mortgage Loan for a Deleted
Mortgage Loan, an aggregate outstanding principal balance, after such
deduction), not in excess of the Stated Principal Balance of the Deleted
Mortgage Loan (the amount of any shortfall to be paid to the Master Servicer for
deposit in the Custodial Account in the month of substitution); (ii) have a
Mortgage Rate and a Net Mortgage Rate no lower than and not more than 1% per
annum higher than the Mortgage Rate and Net Mortgage Rate, respectively, of the
Deleted Mortgage Loan as of the date of substitution; (iii) have a Loan-to-Value
Ratio at the time of substitution no higher than that of the Deleted Mortgage
Loan at the time of substitution; (iv) have a remaining term to stated maturity
not greater than (and not more than one year less than) that of the Deleted
Mortgage Loan; (v) comply with each representation and warranty set forth in
Section 2.04 hereof; and, (vi) comply with each non- statistical representation
and warranty set forth in the Mortgage Loan Purchase Agreement.
"Radian": Radian Guaranty, Inc., or its successors or assigns.
"Radian Lender-Paid PMI Loans": The Mortgage Loans included in the
Trust Fund covered by a Radian Lender-Paid PMI Policy, as indicated on the
Mortgage Loan Schedule.
"Radian Lender-Paid PMI Policy": The lender-paid Primary Insurance
Policy issued by Radian, as assigned to the Trust, in accordance with a letter
between Finance America and Radian, as assigned to the Trust on the Closing
Date.
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"Radian Lender-Paid PMI Rate": With respect to any Radian Lender-Paid
PMI Loan, the rate per annum at which the related premium on the Radian
Lender-Paid PMI Policy accrues.
"Rating Agency": Standard & Poor's or Moody's and each of their
successors. If such agencies and their successors are no longer in existence,
"Rating Agency" shall be such nationally recognized statistical rating agency,
or other comparable Person, designated by the Company, notice of which
designation shall be given to the Trustee, the Securities Administrator, the
NIMS Insurer and Master Servicer. References herein to the two highest long term
debt rating of a Rating Agency shall mean "AA" or better in the case of Standard
& Poor's and "Aa2" or better in the case of Moody's and references herein to the
highest short-term debt rating of a Rating Agency shall mean "A-1+" in the case
of Standard & Poor's and "P-1" in the case of Moody's, and in the case of any
other Rating Agency such references shall mean such rating categories without
regard to any plus or minus.
"Realized Loss": With respect to each Mortgage Loan or REO Property as
to which a Cash Liquidation or REO Disposition has occurred, an amount (not less
than zero) equal to (i) the Stated Principal Balance of the Mortgage Loan as of
the date of Cash Liquidation or REO Disposition, plus (ii) interest (and REO
Imputed Interest, if any) at the Net Mortgage Rate from the Due Date as to which
interest was last paid or advanced to Certificateholders up to the date of the
Cash Liquidation or REO Disposition on the Stated Principal Balance of such
Mortgage Loan outstanding during each Due Period that such interest was not paid
or advanced, minus (iii) the proceeds, if any, received during the month in
which such Cash Liquidation or REO Disposition occurred, to the extent applied
as recoveries of interest at the Net Mortgage Rate and to principal of the
Mortgage Loan, net of the portion thereof reimbursable to the Master Servicer or
the Servicer with respect to related Advances or Servicing Advances not
previously reimbursed. 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. In addition, to the extent the Servicer or 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 applied to reduce the Certificate Principal Balance of any
Class of Certificates on any Distribution Date.
"Record Date": With respect to any Book-Entry Certificates and any
Distribution Date, the close of business on the Business Day immediately
preceding such distribution date. With respect to any Certificates that are not
Book-Entry Certificates, the close of business on the last Business Day of the
calendar month preceding such Distribution Date.
"Regular Certificate": Any of the Certificates other than a Residual
Certificate.
"Relief Act": The Servicemembers Civil Relief Act, f/k/a Soldiers' and
Sailors' Civil Relief Act of 1940, as amended.
"Relief Act Interest Shortfall": With respect to any Distribution Date,
for any Mortgage Loan with respect to which there has been a reduction in the
amount of interest collectible thereon for the
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most recently ended Due Period as a result of the application of the Relief Act,
the amount by which (i) interest collectible on such Mortgage Loan during such
Due Period is less than (ii) one month's interest on the Principal Balance of
such Mortgage Loan at the Loan Rate for such Mortgage Loan before giving effect
to the application of the Relief Act.
"REMIC": A "real estate mortgage investment conduit" within the meaning
of Section 860D of the Code.
"REMIC 1": The segregated pool of assets subject hereto (exclusive of
the Basis Risk Shortfall Reserve Fund and the Corridor Contract) with respect to
which a REMIC election is to be made, conveyed in trust to the Trustee, for the
benefit of the Holders of the REMIC 1 Regular Interests and the Holders of the
Class R Certificates (as holders of the Class R-1 Interest), consisting of: (i)
each Mortgage Loan (exclusive of payments of principal and interest due on or
before the Cut- off Date, if any, received by the Master Servicer which shall
not constitute an asset of the Trust Fund) as from time to time are subject to
this Agreement and all payments under and proceeds of such Mortgage Loans
(exclusive of any prepayment fees and late payment charges received on the
Mortgage Loans), together with all documents included in the related Mortgage
File, subject to Section 2.01; (ii) such funds or assets as from time to time
are deposited in the Custodial Account or the Certificate Account and belonging
to the Trust Fund; (iii) any REO Property; (iv) the Primary Hazard Insurance
Policies, if any, the Primary Insurance Policies, if any, and all other
Insurance Policies with respect to the Mortgage Loans; (v) [reserved]; and (vi)
the Company's interest in respect of the representations and warranties made by
the Seller in the Mortgage Loan Purchase Agreement as assigned to the Trustee
pursuant to Section 2.04 hereof. REMIC 1 specifically does not include the Basis
Risk Shortfall Reserve Fund and the Corridor Contract.
"REMIC 1 Interest Loss Allocation Amount": With respect to any
Distribution Date, an amount equal to (a) the product of (i) the aggregate
Principal Balance of the mortgage loans and related REO Properties then
outstanding and (ii) the Uncertificated REMIC 1 Pass-Through Rate for REMIC 1
Regular Interest LT-AA minus the Marker Rate, divided by (b) 12.
"REMIC 1 Overcollateralized Amount": With respect to any date of
determination, (i) 1% of the aggregate Uncertificated Principal Balances of
REMIC 1 Regular Interest LT-AA, REMIC 1 Regular Interest LT-A1, REMIC 1 Regular
Interest LT-A2, REMIC 1 Regular Interest LT-M1, REMIC 1 Regular Interest LT-M2,
REMIC 1 Regular Interest LT-M3, REMIC 1 Regular Interest LT-M4, REMIC 1 Regular
Interest LT-M5, REMIC 1 Regular Interest LT-M6, REMIC 1 Regular Interest LT-M7,
REMIC 1 Regular Interest LT-M8, REMIC 1 Regular Interest LT-ZZ and REMIC 1
Regular Interest LT-P, minus (ii) the aggregate of the Uncertificated Principal
Balances of REMIC 1 Regular Interest LT-A1, REMIC 1 Regular Interest LT-A2,
REMIC 1 Regular Interest LT-M1, REMIC 1 Regular Interest LT-M2, REMIC 1 Regular
Interest LT-M3, REMIC 1 Regular Interest LT-M4, REMIC 1 Regular Interest LT-M5,
REMIC 1 Regular Interest LT-M6, REMIC 1 Regular Interest LT-M7, REMIC 1 Regular
Interest LT-M8 and REMIC 1 Regular Interest LT-P, in each case as of such date
of determination.
"REMIC 1 Principal Loss Allocation Amount": With respect to any
Distribution Date and the mortgage loans, an amount equal to (a) the product of
(i) the aggregate Principal Balance of the
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mortgage loans and related REO Properties then outstanding and (ii) 1 minus a
fraction, the numerator of which is two times the aggregate of the
Uncertificated Principal Balances of REMIC 1 Regular Interest LT-A1, REMIC 1
Regular Interest LT-A2, REMIC 1 Regular Interest LT-M1, REMIC 1 Regular Interest
LT-M2, REMIC 1 Regular Interest LT-M3, REMIC 1 Regular Interest LT-M4, REMIC 1
Regular Interest LT-M5, REMIC 1 Regular Interest LT-M6, REMIC 1 Regular Interest
LT-M7 and REMIC 1 Regular Interest LT-M8, and the denominator of which is the
aggregate of the Uncertificated Principal Balances of REMIC 1 Regular Interest
LT-A1, REMIC 1 Regular Interest LT-A2, REMIC 1 Regular Interest LT-M1, REMIC 1
Regular Interest LT-M2, REMIC 1 Regular Interest LT-M3, REMIC 1 Regular Interest
LT-M4, REMIC 1 Regular Interest LT-M5, REMIC 1 Regular Interest LT-M6, REMIC 1
Regular Interest LT-M7, REMIC 1 Regular Interest LT-M8 and REMIC 1 Regular
Interest LT-ZZ.
"REMIC 1 Overcollateralization Target Amount": 1% of the
Overcollateralization Target Amount.
"REMIC 1 Regular Interest LT-AA": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-AA shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-A1": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
regular interest in REMIC 1. REMIC 1 Regular Xxxxxxxx XX-X0 shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-A2": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
regular interest in REMIC 1. REMIC 1 Regular Xxxxxxxx XX-X0 shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-M1": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-M1 shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-M2": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC
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1. REMIC 1 Regular Interest LT-M2 shall accrue interest at the related
Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-M3": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-M3 shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-M4": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-M4 shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-M5": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-M5 shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-M6": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-M6 shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-M7": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-M7 shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interest LT-M8": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-M8 shall accrue
interest at the related Uncertificated REMIC 1 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
33
Principal Balance as set forth in the Preliminary Statement hereto.
"REMIC 1 Regular Interest LT-P": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-P shall accrue
interest at the related Uncertificated REMIC 1 Pass-Through Rate in effect from
time to time, and shall be entitled to any amounts distributed to REMIC 1
Regular Interest LT-P (including Prepayment Charges).
"REMIC 1 Regular Interest LT-ZZ": One of the separate non-certificated
beneficial ownership interests in REMIC 1 issued hereunder and designated as a
"regular interest" in REMIC 1. REMIC 1 Regular Interest LT-ZZ shall accrue
interest at the related Uncertificated REMIC 1 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.
"REMIC 1 Regular Interests": REMIC 1 Regular Interest LT-AA, REMIC 1
Regular Interest LT-A1, REMIC 1 Regular Interest LT-A2, REMIC 1 Regular Interest
LT-M1, REMIC 1 Regular Interest LT-M2, REMIC 1 Regular Interest LT-M3, REMIC 1
Regular Interest LT-M4, REMIC 1 Regular Interest LT-M5, REMIC 1 Regular Interest
LT-M6, REMIC 1 Regular Interest LT-M7, REMIC 1 Regular Interest LT-M8, REMIC 1
Regular Interest LT-ZZ and REMIC 1 Regular Interest LT-P.
"REMIC 2": The segregated pool of assets consisting of all of the REMIC
1 Regular Interests conveyed in trust to the Trustee, for the benefit of the
Holders of the Regular Certificates and the Holders of the Class R Certificates
(as holders of the Class R-2 Interest), pursuant to Article II hereunder, and
all amounts deposited therein, with respect to which a separate REMIC election
is to be made.
"REMIC Provisions": Provisions of the federal income tax law relating
to real estate mortgage investment conduits, which appear at Sections 860A
through 860G of Subchapter M of Chapter 1 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.
"REMIC Regular Interest": A REMIC 1 Regular Interest or Regular
Certificate.
"Remittance Report": A report prepared by the Master Servicer (and
delivered to the Securities Administrator and NIMS Insurer) providing the
information set forth in Exhibit E attached hereto.
"REO Acquisition": The acquisition by the Servicer on behalf of the
Trust Fund for the benefit of the Certificateholders of any REO Property
pursuant to Section 3.15.
"REO Disposition": The receipt by the Servicer of Insurance Proceeds,
Liquidation Proceeds, Subsequent Recoveries and other payments and recoveries
(including proceeds of a final
34
sale) which the Servicer expects to be finally recoverable from the sale or
other disposition of the REO Property.
"REO Imputed Interest": As to any REO Property, for any period, an
amount equivalent to interest (at the Mortgage Rate that would have been
applicable to the related Mortgage Loan had it been outstanding) on the unpaid
principal balance of the Mortgage Loan as of the date of acquisition thereof (as
such balance is reduced pursuant to Section 3.15 by any income from the REO
Property treated as a recovery of principal).
"REO Proceeds": Proceeds, net of directly related expenses, received in
respect of any REO Property (including, without limitation, proceeds from the
rental of the related Mortgaged Property and of any REO Disposition), which
proceeds are required to be deposited into the Custodial Account as and when
received.
"REO Property": A Mortgaged Property acquired by the Servicer on behalf
of the Trust Fund through foreclosure or deed-in-lieu of foreclosure in
connection with a defaulted Mortgage Loan.
"Request for Release": A release signed by a Servicing Officer, in the
form of Exhibit F attached hereto.
"Residual Interest": The sole class of "residual interests" in a REMIC
within the meaning of Section 860G(a)(2) of the Code.
"Responsible Officer": When used with respect to the Trustee shall mean
any officer within the Corporate Trust Office of the Trustee with direct
responsibility for the administration of this Agreement and also, with respect
to a particular matter, any other officer of the Trustee to whom such matter is
referred because of such officer's knowledge of and familiarity with the
particular subject. When used with respect to the Securities Administrator shall
mean any officer assigned with direct responsibility for the administration of
this Agreement and also, with respect to a particular matter, any other officer
of the Securities Administrator to whom such matter is referred because of such
officer's knowledge of and familiarity with the particular subject.
"Securities Administrator": Xxxxx Fargo Bank, N.A., or its successor in
interest, or any successor securities administrator appointed as herein
provided.
"Seller": Home Star Mortgage Services, LLC, or its successor in
interest.
"Senior Enhancement Percentage": For any Distribution Date, the
percentage obtained by dividing (x) the sum of (i) the aggregate Certificate
Principal Balance of the Class M Certificates and (ii) the related
Overcollateralization Amount, in each case prior to the distribution of the
Principal Distribution Amount on such Distribution Date, by (y) the Aggregate
Stated Principal Balance of the Mortgage Loans after giving effect to
distributions to be made on that Distribution Date.
"Servicer": Home Star Mortgage Services, LLC, or its successor in
interest.
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"Servicing Advances": All customary, reasonable and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other unanticipated event in the performance by the Master Servicer, the
Servicer or any Subservicer of its servicing obligations, 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, including any expenses incurred in relation to any such
proceedings that result from the Mortgage Loan being registered on the MERS
System, (iii) the management and liquidation of any REO Property, including
reasonable fees paid to any independent contractor in connection therewith, and
(iv) compliance with the obligations under the second paragraph of Section 3.01,
Section 3.09 and Section 3.13 (other than any deductible described in the last
paragraph thereof).
"Servicing Agreements": The Cenlar Servicing Agreement and the Option
One Servicing Agreement, attached hereto as Exhibits M-1 and M-2, respectively.
"Servicing Fee": With respect to each Mortgage Loan, accrued interest
at the Servicing Fee Rate with respect to the Mortgage Loan on the same
principal balance on which interest on the Mortgage Loan accrues for the
calendar month. The Servicing Fee consists of servicing and other related
compensation payable to the Servicer or to the Master Servicer if the Master
Servicer is directly servicing the loan, and includes any amount payable to any
Subservicer by the Servicer.
"Servicing Fee Rate": With respect to each Mortgage Loan, the rate per
annum set forth in the Mortgage Loan Schedule, ranging from 0.250% per annum to
0.500% per annum.
"Servicing Officer": Any officer of the Master Servicer involved in, or
responsible for, the administration and servicing of the Mortgage Loans, whose
name and specimen signature appear on a list of servicing officers furnished to
the Trustee by the Master Servicer, as such list may from time to time be
amended.
"Single Certificate": A Regular Certificate of any Class (other than a
Class P Certificate) evidencing an Initial Certificate Principal Balance or
Initial Notional Amount, as applicable, of $1,000, or, in the case of a Class P
Certificate, a Certificate of such Class evidencing an Initial Certificate
Principal Balance of $100.
"Standard & Poor's": Standard & Poor's Ratings Services, a division of
The McGraw Hill Companies, Inc., or its successor in interest.
"Startup Day": The day designated as such pursuant to Article X hereof.
"Stated Principal Balance": With respect to any Mortgage Loan or
related REO Property at any given time, (i) the principal balance of the
Mortgage Loan outstanding as of the Cut-off Date, after application of principal
payments due on or before such date, whether or not received, minus (ii) the sum
of (a) the principal portion of the Monthly Payments due with respect to such
Mortgage Loan or REO Property during each Due Period ending prior to the most
recent Distribution Date which were received or with respect to which an Advance
was made, and (b) all Principal Prepayments with respect to such Mortgage Loan
or REO Property, and all Insurance Proceeds,
36
Liquidation Proceeds, Subsequent Recoveries and REO Proceeds to the extent
applied by the Master Servicer as recoveries of principal in accordance with
Section 3.15 with respect to such Mortgage Loan or REO Property, which were
distributed pursuant to Section 4.01 on any previous Distribution Date, and (c)
any Realized Loss with respect thereto allocated pursuant to Section 4.07 for
any previous Distribution Date.
"Step-Up Date": The first Distribution Date following the first
Distribution Date on which the aggregate unpaid principal balance of the
Mortgage Loans, and properties acquired in respect thereof, remaining in the
Trust Fund has been reduced to less than or equal to 10% of the Aggregate Stated
Principal Balance of the Mortgage Loans as of the Cut-off Date.
"Stepdown Date": The earlier to occur of (i) the Distribution Date on
which the aggregate Certificate Principal Balance of the Class A Certificates
has been reduced to zero and (ii) the later to occur of (x) the Distribution
Date occurring in April 2007 and (y) the first Distribution Date for which the
Senior Enhancement Percentage is greater than or equal to approximately 15.90%.
"Subservicer": Any Subservicer appointed by the Servicer pursuant to a
Servicing Agreement. Initially, Cenlar and Option One.
"Subservicer Remittance Date": The 18th day of each month, or if such
day is not a Business Day, the immediately preceding Business Day.
"Subservicer Termination Trigger": A Subservicer Termination Trigger
will have occurred with respect to the Certificates on a Distribution Date if
either (a) the Three Month Rolling Delinquency Percentage for the Mortgage Loans
exceeds 12.00% or (b) the Cumulative Loss Percentage exceeds 3.00% from April
2007 to March 2008, 5.00% from April 2008 to March 2009, or 7.00% thereafter.
"Subservicing Agreement": The written contract between the Servicer and
a Subservicer and any successor Subservicer relating to servicing and
administration of certain Mortgage Loans as provided in the Servicing
Agreements.
"Subsequent Recoveries": As of any Distribution Date, amounts received
by the Servicer or Master Servicer (net of any related expenses permitted to be
reimbursed pursuant to Section 4.02) or surplus amounts held by the Servicer or
Master Servicer to cover estimated expenses (including, but not limited to,
recoveries in respect of the representations and warranties made by the Seller
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.
"Substitution Adjustment": As defined in Section 2.04 hereof.
"Tax Returns": The federal income tax return on Internal Revenue
Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax
Return, including Schedule Q thereto, Quarterly Notice to Residual Interest
Holders of REMIC Taxable Income or Net Loss Allocation,
37
or any successor forms, to be filed on behalf of REMIC 1 and REMIC 2 due to
their classification as REMICs under the REMIC Provisions, together with any and
all other information, reports or returns that may be required to be furnished
to the Certificateholders or filed with the Internal Revenue Service or any
other governmental taxing authority under any applicable provisions of federal,
state or local tax laws.
"Three-Month Rolling Delinquency Percentage": With respect to the
Mortgage Loans and any Distribution Date, the average for the three most recent
calendar months of the fraction, expressed as a percentage, the numerator of
which is (x) the sum (without duplication) of the aggregate of the Stated
Principal Balances of all Mortgage Loans that are (i) 60 or more days
delinquent, (ii) in bankruptcy and 60 or more days delinquent, (iii) in
foreclosure and 60 or more days delinquent or (iv) REO Properties, and the
denominator of which is (y) the sum of the Stated Principal Balances of the
Mortgage Loans, in the case of both (x) and (y), as of the close of business on
the last Business Day of each of the three most recent calendar months.
"Transfer": Any direct or indirect transfer, sale, pledge,
hypothecation or other form of assignment of any Ownership Interest in a
Certificate.
"Transferor": Any Person who is disposing by Transfer of any Ownership
Interest in a Certificate.
"Trigger Event": A Trigger Event is in effect with respect to any
distribution date if
(1) the aggregate principal balance of Mortgage Loans that are 60 or
more days delinquent (including for this purpose any such Mortgage Loans in
foreclosure and Mortgage Loans with respect to which the related mortgaged
property has been acquired by the trust) as of the close of business on the last
day of the preceding calendar month exceeds 60% of the Senior Enhancement
Percentage; or
(2) in the case of any Distribution Date after the 36th Distribution
Date, the cumulative amount of Realized Losses incurred on the Mortgage Loans
from the Cut-off Date through the end of the calendar month immediately
preceding such Distribution Date exceeds the applicable percentage set forth
below of the aggregate Stated Principal Balance of the Mortgage Loans as of the
Cut-off Date:
DISTRIBUTION DATE PERCENTAGE
----------------- ----------
April 2007 to March 2008 1.25%
April 2008 to March 2009 1.50%
April 2009 to March 2010 1.75%
April 2010 and thereafter 2.15%:
"Trust Fund": REMIC 1, REMIC 2, the Corridor Contract, the Basis Risk
Shortfall Reserve Fund, the Custodial Account and the Certificate Account.
"Trustee": HSBC Bank USA, or its successor in interest, or any
successor trustee appointed
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as herein provided.
"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 Uncertificated Principal
Balance or Uncertificated Notional Amount, as applicable, of such REMIC Regular
Interest. In each case, Uncertificated Accrued Interest will be reduced by any
Net Prepayment Interest Shortfalls and Relief Act Interest Shortfalls (allocated
to such REMIC Regular Interests as set forth in Section 1.03).
"Uncertificated Principal Balance": With respect to each REMIC 1
Regular Interest, the principal amount of such REMIC Regular Interest
outstanding as of any date of determination. As of the Closing Date, the
Uncertificated Principal Balance of each REMIC 1 Regular Interest shall equal
the amount set forth in the Preliminary Statement hereto as its initial
Uncertificated Principal Balance. On each Distribution Date, the Uncertificated
Principal Balance of each such REMIC 1 Regular Interest shall be reduced by all
distributions of principal made on such REMIC 1 Regular Interest on such
Distribution Date pursuant to Section 4.06 and, if and to the extent necessary
and appropriate, shall be further reduced on such Distribution Date by Realized
Losses as provided in Section 4.07. The Uncertificated Principal Balance of
REMIC 1 Regular Interest LT-ZZ shall be increased by interest deferrals as
provided in Section 4.06. The Uncertificated Principal Balance of each REMIC
Regular Interest shall never be less than zero.
"Uncertificated Pass-Through Rate": The Uncertificated REMIC 1
Pass-Through Rate.
"Uncertificated REMIC 1 Pass-Through Rate": With respect to each REMIC
1 Regular Interest and any Distribution Date, a per annum rate equal to the
average of the Net Mortgage Rates of the Mortgage Loans, weighted on the basis
of the Stated Principal Balances thereof as of the close of business on the last
day of the calendar month preceding the month in which such Distribution Date
occurs.
"Underwriter": Citigroup Global Markets Inc.
"Uninsured Cause": Any cause of damage to property subject to a
Mortgage such that the complete restoration of such property is not fully
reimbursable by the hazard insurance policies or flood insurance policies
required to be maintained pursuant to Section 3.13.
"United States Person": A citizen or resident of the United States, a
corporation or a partnership (including an entity treated as a corporation or
partnership for United States federal income tax purposes) created or organized
in, or under the laws of, the United States or any State thereof or the District
of Columbia (except, in the case of a partnership, to the extent provided in
regulations) provided that, for purposes solely of the restrictions on the
transfer of Class R Certificates, no partnership or other entity treated as a
partnership for United States federal income tax purposes shall be treated as a
United States Person unless all persons that own an interest in such partnership
either directly or through any entity that is not a corporation for United
States federal income tax purposes are required by the applicable operative
agreement to be United States Persons or an estate whose income is subject to
United States federal income tax regardless of its source, or
39
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 such United
States Persons have the authority to control all substantial decisions of the
trust. To the extent prescribed in regulations by the Secretary of the Treasury,
a trust which was in existence on August 20, 1996 (other than a trust treated as
owned by the grantor under subpart E of part I of subchapter J of chapter 1 of
the Code), and which was treated as a United States person on August 20, 1996
may elect to continue to be treated as a United States person notwithstanding
the previous sentence.
"Voting Rights": The portion of the voting rights of all of the
Certificates which is allocated to any Certificate. At all times during the term
of this Agreement, (i) 97% of all Voting Rights will be allocated among the
Holders of the Offered Certificates in proportion to the then outstanding
Certificate Principal Balances of their respective Certificates, (ii) 1% of all
Voting Rights will be allocated to the Holders of the Class C Certificates,
(iii) 1% of all Voting Rights will be allocated to the Holders of the Class P
Certificates and (iv) 1% of all Voting Rights will be allocated to the Holders
of the Class R Certificates. The Voting Rights allocated to any Class of
Certificates shall be allocated among all Holders of the Certificates of such
Class in proportion to the outstanding Percentage Interests in such Class
represented thereby.
"Weighted Average Net Mortgage Rate": The weighted average of the Net
Mortgage Rates of the Mortgage Loans, weighted on the basis of the Stated
Principal Balances thereof as of the close of business on the first day of the
calendar month preceding the month in which such Distribution Date occurs.
Section 1.02 Determination of LIBOR.
LIBOR applicable to the calculation of the Pass-Through Rate on the
Offered Certificates for any Accrual Period will be determined on each Interest
Determination Date.
On each Interest Determination Date, LIBOR shall be established by the
Securities Administrator and, as to any Accrual Period, will equal the rate for
one month United States dollar deposits that appears on the Telerate Screen Page
3750 as of 11:00 a.m., London time, on such Interest Determination Date.
"Telerate Screen Page 3750" means the display designated as page 3750 on the
Telerate Service (or such other page as may replace page 3750 on that service
for the purpose of displaying London interbank offered rates of major banks). 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, LIBOR shall be so
established by use of such other service for displaying LIBOR or comparable
rates as may be selected by the Securities Administrator), the rate will be the
Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis
of the rates at which deposits in U.S. Dollars are offered by the reference
banks (which shall be any three major banks that are engaged in transactions in
the London interbank market, selected by the Securities Administrator after
consultation with the Master Servicer) as of 11:00 a.m., London time, on the
Interest Determination Date to prime banks in the London interbank market for a
period of one month in amounts approximately equal to the aggregate Certificate
Principal Balance of the Offered Certificates then outstanding. The Securities
Administrator will request the principal London office of each of the reference
banks to provide a quotation of its rate. If at least two such quotations are
40
provided, the rate will be the arithmetic mean of the quotations rounded up to
the next multiple of 1/16%. If on such date fewer than two quotations are
provided as requested, the rate will be the arithmetic mean 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
U.S. Dollars to leading European banks for a period of one month in amounts
approximately equal to the aggregate Certificate Principal Balance of the
Offered Certificates then outstanding. If no such quotations can be obtained,
the rate will be LIBOR for the prior Distribution Date; provided however, if,
under the priorities described above, LIBOR for a Distribution Date would be
based on LIBOR for the previous Distribution Date for the third consecutive
Distribution Date, the Securities Administrator shall select an alternative
comparable index (over which the Securities Administrator has no control), used
for determining one-month Eurodollar lending rates that is calculated and
published (or otherwise made available) by an independent party.
The establishment of LIBOR by the Securities Administrator on any
Interest Determination Date and the Trustee's subsequent calculation of the
Pass-Through Rate applicable to the Offered Certificates for the relevant
Accrual Period, in the absence of manifest error, will be final and binding.
The Securities Administrator will supply to any Certificateholder so
requesting by telephone the Pass-Through Rate on the Offered Certificates for
the current and the immediately preceding Accrual Period.
Section 1.03 Allocation of Certain Interest Shortfalls.
For purposes of calculating the amount of the Accrued Certificate
Interest for the Class A, Class M and Class C Certificates for any Distribution
Date, the aggregate amount of any Net Prepayment Interest Shortfalls and any
Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any
Distribution Date shall be allocated first, to the Class C Certificates to the
extent of one month's interest at the then applicable Pass-Through Rate on the
Notional Amount of each such Certificate and, thereafter, among the Class A
Certificates and Class M Certificates on a PRO RATA basis based on, and to the
extent of, one month's interest at the then applicable respective Pass-Through
Rate on the respective Certificate Principal Balance of each such Certificate.
For purposes of calculating the amount of Uncertificated Accrued
Interest for the Uncertificated REMIC 1 Regular Interests for any Distribution
Date, the aggregate amount of any Net Prepayment Interest Shortfalls and any
Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any
Distribution Date shall be allocated (i) with respect to the Mortgage Loans,
first, to Uncertificated Accrued Interest payable to REMIC 1 Regular Interest
LT-AA and REMIC 1 Regular Interest LT-ZZ up to an aggregate amount equal to the
REMIC 1 Interest Loss Allocation Amount, 98% and 2%, respectively, and
thereafter among REMIC 1 Regular Interest LT-AA, REMIC 1 Regular Interest LT-A1,
REMIC 1 Regular Interest LT-A2, REMIC 1 Regular Interest LT- M1, REMIC 1 Regular
Interest LT-M2, REMIC 1 Regular Interest LT-M3, REMIC 1 Regular Interest LT-M4,
REMIC 1 Regular Interest LT-M5, REMIC 1 Regular Interest LT-M6, REMIC 1 Regular
Interest LT-M7, REMIC 1 Regular Interest LT-M8 and REMIC 1 Regular Interest
LT-ZZ, PRO RATA based on, and to the extent of, one month's interest at the then
applicable respective
41
Uncertificated REMIC 1 Pass-Through Rate on the respective Uncertificated
Principal Balance of each such Uncertificated REMIC 1 Regular Interest.
Section 1.04 Rights of the NIMS Insurer.
Each of the rights of the NIMS Insurer set forth in this Agreement
shall exist so long as (i) the NIMS Insurer has undertaken to guarantee certain
payments of notes issued pursuant to an Indenture and (ii) any series of notes
issued pursuant to one or more Indentures remain outstanding or the NIMS Insurer
is owed amounts in respect of its guarantee of payment on such notes; provided,
however, the NIMS Insurer shall not have any rights hereunder (except pursuant
to Section 11.01 in the case of clause (ii) below) so long as (i) the NIMS
Insurer has not undertaken to guarantee certain payments of notes issued
pursuant to the Indenture or (ii) any default has occurred and is continuing
under the insurance policy issued by the NIMS Insurer with respect to such
notes.
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ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01. Conveyance of Mortgage Loans.
The Company, as of the Closing Date, and concurrently with the
execution and delivery hereof, does hereby assign, transfer, sell, set over and
otherwise convey to the Trustee without recourse all the right, title and
interest of the Company in and to (1) the Mortgage Loans identified on the
Mortgage Loan Schedule (including any Prepayment Charges but exclusive of any
late payment charges received thereon), (2) the rights with respect to the
Servicing Agreements as assigned to the Trustee on behalf the Certificateholders
by the Assignment Agreement, (3) the rights with respect to the Radian
Lender-Paid PMI Policy as assigned to the Trustee and (4) all other assets
included or to be included in the Trust Fund for the benefit of the
Certificateholders. Such assignment includes all principal and interest due and
received by the Servicer on or with respect to the Mortgage Loans (other than
payment of principal and interest due on or before the Cut-off Date).
In connection with such transfer and assignment, the Company has caused
the Seller to deliver to, and deposit with the Custodian as agent for the
Trustee, as described in the Mortgage Loan Purchase Agreement, with respect to
each Mortgage Loan, the following documents or instruments:
(i) the original Mortgage Note (including all riders thereto)
bearing all intervening endorsements necessary to show a complete chain
of endorsements from the original payee, endorsed "Pay to the order of
_____without recourse", via original signature, and, if previously
endorsed, signed in the name of the last endorsee by a duly qualified
officer of the last endorsee or, with respect to any Mortgage Loan as
to which the original Mortgage Note has been permanently lost or
destroyed and has not been replaced, a Lost Note Affidavit. If the
Mortgage Loan was acquired by the last endorsee in a merger, the
endorsement must be by "[name of last endorsee], successor by merger to
[name of the predecessor]." If the Mortgage Loan was acquired or
originated by the last endorsee while doing business under another
name, the endorsement must be by "[name of last endorsee], formerly
known as [previous name]." Within 45 days after the Closing Date, the
Custodian shall endorse the Mortgage Note in the name of "HSBC Bank
USA, as trustee under the Pooling and Servicing Agreement relating to
Homestar Mortgage Acceptance Corp., Asset-Backed Pass-Through
Certificates, Series 2004-1" for each Mortgage Note;
(ii) The original recorded Mortgage, noting the presence of
the MIN of the Mortgage Loan and either language indicating that the
Mortgage Loan is a MOM loan or if the Mortgage Loan was not a MOM loan
at origination, the original Mortgage and the assignment thereof to
MERS, with evidence of recording indicated thereon; provided that if
such document is not included because of a delay by the public
recording office where such document has been delivered for recordation
or such office as a matter of policy does not return the original of
such document or if such original Mortgage has been lost, the Seller
43
shall include or cause to be included a copy thereof certified by the
appropriate recording office, if available;
(iii) the original Assignment of Mortgage in blank, in form
and substance acceptable for recordation in the jurisdiction in which
the related mortgage property is located and signed in the name of the
Last Endorsee by an authorized officer; unless the Mortgage Loan is
registered on the MERS system;
(iv) The original intervening Assignments, if any, with
evidence of recording thereon, showing an unbroken chain of title to
the Mortgage from the originator thereof to Person assigning it to the
Trustee (or to MERS, if the Mortgage Loan is registered on the MERS(R)
System); provided that if such document is not included because of a
delay by the public recording office where such document has been
delivered for recordation or such office as a matter of policy does not
return the original of such document, the Seller shall include or cause
to be included a copy thereof certified by the appropriate recording
office, if available;
(v) The originals of each assumption, modification or
substitution agreement, if any, relating to the Mortgage Loan; and
(vi) the original title insurance policy, or, if such policy
has not been issued, any one of an original or a copy of the
preliminary title report, title binder or title commitment on the
Mortgaged Property with the original policy of the insurance to be
delivered promptly following the receipt thereof.
Within 30 days after the Closing Date, the Company shall complete or
cause to be completed the Assignments of Mortgage in the name of "HSBC Bank USA,
as trustee under the Pooling and Servicing Agreement relating to Homestar
Mortgage Acceptance Corp., Asset-Backed Pass-Through Certificates, Series
2004-1" (or shall prepare or cause to be prepared new forms of Assignment of
Mortgage so completed in the name of the Trustee) for each Mortgage Property in
a state, if any, which is specifically excluded from the Opinion of Counsel
delivered by the Company to the Trustee and the Custodian, each such assignment
shall be recorded in the appropriate public office for real property records,
and returned to the Custodian, at no expense to the Custodian.
The Seller is obligated as described in the Mortgage Loan Purchase
Agreement, with respect to the Mortgage Loans, to deliver to the Custodian as
agent for the Trustee: (a) either the original recorded Mortgage, or in the
event such original cannot be delivered by the Seller, a copy of such Mortgage
certified as true and complete by the appropriate recording office, in those
instances where a copy thereof certified by the Seller was delivered to the
Custodian as agent for the Trustee pursuant to clause (ii) above; and (b) either
the original Assignment or Assignments of the Mortgage, with evidence of
recording thereon, showing an unbroken chain of assignment from the originator
to the Seller, or in the event such original cannot be delivered by the Seller,
a copy of such Assignment or Assignments certified as true and complete by the
appropriate recording office, in those instances where copies thereof certified
by the Seller were delivered to the Custodian as agent for the Trustee pursuant
to clause (iv) above. However, pursuant to the Mortgage Loan Purchase Agreement,
the
44
Seller need not cause to be recorded any assignment in any jurisdiction under
the laws of which, as evidenced by an Opinion of Counsel delivered by the Seller
to the Trustee, the Custodian, the NIMS Insurer and the Rating Agencies, the
recordation of such assignment is not necessary to protect the Trustee's
interest in the related Mortgage Loan; PROVIDED, HOWEVER, notwithstanding the
delivery of any Opinion of Counsel, each assignment shall be submitted for
recording by the Seller in the manner described above, at no expense to the
Trust or the Trustee, upon the earliest to occur of: (i) reasonable direction by
the Holders of Certificates evidencing at least 25% of the Voting Rights or the
NIMS Insurer, (ii) the occurrence of a Event of Default, (iii) the occurrence of
a bankruptcy, insolvency or foreclosure relating to the Seller, (iv) the
occurrence of a servicing transfer as described in Section 7.02 hereof and (v)
if the Seller is not the Master Servicer and with respect to any one assignment,
the occurrence of a bankruptcy, insolvency or foreclosure relating to the
Mortgagor under the related Mortgage.
Notwithstanding anything to the contrary contained in this Section
2.01, in those instances where the public recording office retains the original
Mortgage after it has been recorded, the Seller shall be deemed to have
satisfied its obligations hereunder upon delivery to the Custodian as agent for
the Trustee of a copy of such Mortgage certified by the public recording office
to be a true and complete copy of the recorded original thereof.
If any Assignment is lost or returned unrecorded to the Custodian as
agent for the Trustee because of any defect therein, the Seller is required, as
described in the Mortgage Loan Purchase Agreement, to prepare a substitute
Assignment or cure such defect, as the case may be, and the Seller shall cause
such Assignment to be recorded in accordance with this section.
The Seller is required as described in the Mortgage Loan Purchase
Agreement, with respect to the Mortgage Loans, to exercise its best reasonable
efforts to deliver or cause to be delivered to the Custodian as agent for the
Trustee within 120 days of the Closing Date, with respect to the Mortgage Loans,
the original or a photocopy of the title insurance policy with respect to each
such Mortgage Loan assigned to the Trustee pursuant to this Section 2.01.
In connection with the assignment of any Mortgage Loan registered on
the MERS(R) System, the Seller further agrees that it will cause, at the
Seller's own expense, as of the Closing Date, the MERS(R) System to indicate
that such Mortgage Loans have been assigned by the Seller 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. The Company further agrees that it will not, and will not permit
the Servicer to 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.
All original documents relating to the Mortgage Loans which are not
delivered to the Custodian as agent for the Trustee are and shall be held by the
Seller in trust for the benefit of the Trustee on behalf of the
Certificateholders.
45
Except as may otherwise expressly be provided herein, none of the
Company, the Custodian, the Master Servicer, or the Trustee shall (and the
Master Servicer shall ensure that no Servicer shall) assign, sell, dispose of or
transfer any interest in the Trust Fund or any portion thereof, or cause the
Trust Fund or any portion thereof to be subject to any lien, claim, mortgage,
security interest, pledge or other encumbrance.
It is intended that the conveyance of the Mortgage Loans by the Company
to the Trustee as provided in this Section be, and be construed as, a sale of
the Mortgage Loans as provided for in this Section 2.01 by the Company to the
Trustee for the benefit of the Certificateholders. It is, further, not intended
that such conveyance be deemed a pledge of the Mortgage Loans by the Company to
the Trustee to secure a debt or other obligation of the Company. However, in the
event that the Mortgage Loans are held to be property of the Company, or if for
any reason this Agreement is held or deemed to create a security interest in the
Mortgage Loans, then it is intended that, (a) this Agreement shall also be
deemed to be a security agreement within the meaning of Articles 8 and 9 of the
New York Uniform Commercial Code and the Uniform Commercial Code of any other
applicable jurisdiction; (b) the conveyance provided for in this Section shall
be deemed to be (1) a grant by the Company to the Trustee of a security interest
in all of the Company's right (including the power to convey title thereto),
title and interest, whether now owned or hereafter acquired, in and to (A) the
Mortgage Loans, including the Mortgage Notes, the Mortgages, any related
Insurance Policies and all other documents in the related Mortgage Files, (B)
all amounts payable to the holders of the Mortgage Loans in accordance with the
terms thereof and (C) all proceeds of the conversion, voluntary or involuntary,
of the foregoing into cash, instruments, securities or other property, including
without limitation all amounts from time to time held or invested in the
Certificate Account or the Custodial Account, whether in the form of cash,
instruments, securities or other property and (2) an assignment by the Company
to the Trustee of any security interest in any and all of the Seller's right
(including the power to convey title thereto), title and interest, whether now
owned or hereafter acquired, in and to the property described in the foregoing
clauses (1)(A) through (C); (c) the possession by the Custodian as agent for the
Trustee or any other agent of the Trustee of Mortgage Notes and such other items
of property as constitute instruments, money, negotiable documents or chattel
paper shall be deemed to be "possession by the secured party" or possession by a
purchaser or a person designated by such secured party, for purposes of
perfecting the security interest pursuant to the New York Uniform Commercial
Code and the Uniform Commercial Code of any other applicable jurisdiction
(including, without limitation, Sections 9-115, 9-305, 8-102, 8- 301, 8-501 and
8-503 thereof); and (d) notifications to persons holding such property, and
acknowledgments, receipts or confirmations from persons holding such property,
shall be deemed notifications to, or acknowledgments, receipts or confirmations
from, financial intermediaries, bailees or agents (as applicable) of the Trustee
for the purpose of perfecting such security interest under applicable law. The
Company and the Trustee 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 Mortgage Loans and the REMIC 1
Regular Interests, 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 2.02. Acceptance of the Trust Fund by the Trustee.
46
The Trustee acknowledges receipt (subject to any exceptions noted in
the Initial Certification described below), of the documents referred to in
Section 2.01 above and all other assets included in the definition of "Trust
Fund" and declares that it (or the Custodian on its behalf) holds and will hold
such documents and the other documents delivered to Custodian as agent for the
Trustee constituting the Mortgage Files, and that it holds or will hold such
other assets included in the definition of "Trust Fund" (to the extent delivered
or assigned to the Custodian as agent for the Trustee), in trust for the
exclusive use and benefit of all present and future Certificateholders.
The Trustee agrees that, for the benefit of the Certificateholders, the
Custodian as agent for the Trustee will review each Mortgage File on or before
the Closing Date to ascertain that all documents required to be delivered to it
are in its possession, and the Custodian as agent for the Trustee agrees to
execute and deliver, or cause to be executed and delivered, to the Company and
the NIMS Insurer on the Closing Date, with respect to each Mortgage Loan, an
Initial Certification in the form annexed hereto as Exhibit C to the effect
that, as to each Mortgage Loan listed in the Mortgage Loan Schedule (other than
any Mortgage Loan paid in full or any Mortgage Loan specifically identified in
such certification as not covered by such certification), (i) all documents
required to be delivered to it pursuant to this Agreement with respect to such
Mortgage Loan are in its possession, and (ii) such documents have been reviewed
by it and appear regular on their face and relate to such Mortgage Loan. Neither
the Custodian, the Trustee, the NIMS Insurer or the Master Servicer shall be
under any duty to determine whether any Mortgage File should include any of the
documents specified in clauses (v) or (vi) of Section 2.01. Neither the
Custodian, the Trustee, the NIMS Insurer or the Master Servicer shall be under
any duty or obligation to inspect, review or examine said documents,
instruments, certificates or other papers to determine that the same are
genuine, enforceable or appropriate for the represented purpose or that they
have actually been recorded, or they are in recordable form or that they are
other than what they purport to be on their face.
Within 180 days of the Closing Date, with respect to the Mortgage
Loans, the Custodian as agent for the Trustee shall deliver to the Company and
the NIMS Insurer a Final Certification in the form annexed hereto as Exhibit D
evidencing the completeness of the Mortgage Files, with any applicable
exceptions noted thereon.
If in the process of reviewing the Mortgage Files and preparing the
certifications referred to above the Custodian as agent for the Trustee or the
Master Servicer finds any document or documents constituting a part of a
Mortgage File to be missing or defective in any material respect, the Custodian
as agent for the Trustee shall promptly notify the Trustee, the Seller, the NIMS
Insurer and the Company. The Custodian as agent for the Trustee shall promptly
notify the Seller, the NIMS Insurer and the Securities Administrator of such
defect and request that the Seller cure any such defect within 60 days from the
date on which the Seller was notified of such defect, and if the Seller does not
cure such defect in all material respects during such period, request on behalf
of the Certificateholders that the Seller purchase such Mortgage Loan from the
Trust Fund at the Purchase Price within 90 days after the date on which the
Seller was notified of such defect; provided that if such defect would cause the
Mortgage Loan to be other than a "qualified mortgage" as defined in Section
860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days
from the date such breach was discovered. It is understood and agreed that the
obligation of the Seller to cure
47
a material defect in, or purchase any Mortgage Loan as to which a material
defect in a constituent document exists shall constitute the sole remedy
respecting such defect available to Certificateholders or the Trustee on behalf
of Certificateholders. The Purchase Price for the purchased Mortgage Loan shall
be deposited or caused to be deposited upon receipt by the Master Servicer in
the Custodial Account and, upon receipt by the Custodian as agent for the
Trustee and the Securities Administrator of written notification of such deposit
signed by a Servicing Officer, the Custodian as agent for the Trustee shall
release or cause to be released to the Seller the related Mortgage File and
shall execute and deliver such instruments of transfer or assignment, in each
case without recourse, as the Seller shall require as necessary to vest in the
Seller ownership of any Mortgage Loan released pursuant hereto and at such time
the Custodian as agent for the Trustee shall have no further responsibility with
respect to the related Mortgage File. In furtherance of the foregoing, if the
Seller is not a member of MERS and the Mortgage is registered on the MERS(R)
System, the Trustee, at the Seller's expense, shall cause MERS to execute and
deliver an assignment of the Mortgage in recordable form to transfer the
Mortgage from MERS to the Seller and shall cause such Mortgage to be removed
from registration on the MERS(R) System in accordance with MERS' rules and
regulations.
Section 2.03. Representations, Warranties and Covenants of the Master
Servicer and the Company.
(a) The Master Servicer hereby represents and warrants to and covenants
with the Company for the benefit of Certificateholders and the Trustee that:
(i) The Master Servicer is, and throughout the term hereof
shall remain, a corporation duly organized, validly existing and in good
standing under the laws of the state of its incorporation, the Master Servicer
is, and shall remain, in compliance with the laws of each state in which any
Mortgaged Property is located to the extent necessary to perform its obligations
under this Agreement, and the Master Servicer or an affiliate is, and shall
remain, approved to service mortgage loans for Xxxxxx Xxx and Xxxxxxx Mac;
(ii) The execution and delivery of this Agreement by the
Master Servicer, and the performance and compliance with the terms of this
Agreement by the Master Servicer, will not violate the Master Servicer's
articles of incorporation or bylaws or constitute a default (or an event which,
with notice or lapse of time, or both, would constitute a default) under, or
result in the breach of, any material agreement or other instrument to which it
is a party or which is applicable to it or any of its assets;
(iii) The Master Servicer has the full power and authority to
enter into and consummate all transactions contemplated by this Agreement, has
duly authorized the execution, delivery and performance of this Agreement, and
has duly executed and delivered this Agreement;
(iv) This Agreement, assuming due authorization, execution and
delivery by the Company and the Trustee, constitutes a valid, legal and binding
obligation of the Master Servicer, enforceable against the Master Servicer in
accordance with the terms hereof, subject to (A) applicable bankruptcy,
insolvency, reorganization, moratorium and other laws affecting the
48
enforcement of creditors' rights generally, and (B) general principles of
equity, regardless of whether such enforcement is considered in a proceeding in
equity or at law;
(v) The Master Servicer is not in violation of, and its
execution and delivery of this Agreement and its performance and compliance with
the terms of this Agreement will not constitute a violation of, any law, any
order or decree of any court or arbiter, or any order, regulation or demand of
any federal, state or local governmental or regulatory authority, which
violation is likely to affect materially and adversely either the ability of the
Master Servicer to perform its obligations under this Agreement or the financial
condition of the Master Servicer;
(vi) No litigation is pending (other than litigation with
respect to which pleadings or documents have been filed with a court, but not
served on the Master Servicer) or, to the best of the Master Servicer's
knowledge, threatened against the Master Servicer which would prohibit its
entering into this Agreement or performing its obligations under this Agreement
or is likely to affect materially and adversely either the ability of the Master
Servicer to perform its obligations under this Agreement or the financial
condition of the Master Servicer;
(vii) The Master Servicer will comply in all material respects
in the performance of this Agreement with all reasonable rules and requirements
of each insurer under each Insurance Policy;
(viii) The execution of this Agreement and the performance of
the Master Servicer's obligations hereunder do not require any license, consent
or approval of any state or federal court, agency, regulatory authority or other
governmental body having jurisdiction over the Master Servicer, other than such
as have been obtained; and
(ix) No information, certificate of an officer, statement
furnished in writing or report delivered to the Company, any affiliate of the
Company or the Trustee by the Master Servicer in its capacity as Master
Servicer, will, to the knowledge of the Master Servicer, contain any untrue
statement of a material fact.
It is understood and agreed that the representations, warranties and
covenants set forth in this Section 2.03(a) shall survive the execution and
delivery of this Agreement, and shall inure to the benefit of the Company, the
Trustee and the Certificateholders. Upon discovery by any of the Company, the
Trustee, the Securities Administrator, the NIMS Insurer or the Master Servicer
of a breach of any of the foregoing representations, warranties and covenants
that materially and adversely affects the interests of the Company or the
Trustee or the value of any Mortgage Loan or Prepayment Charge, the party
discovering such breach shall give prompt written notice to the other parties.
(b) The Company hereby represents and warrants to the Master Servicer,
the Securities Administrator and the Trustee for the benefit of
Certificateholders that as of the Closing Date
(i) the Company (a) is a corporation duly organized, validly
existing and in good standing under the laws of the State of Delaware and (b) is
qualified and in good standing as a
49
foreign corporation to do business in each jurisdiction where such qualification
is necessary, except where the failure so to qualify would not reasonably be
expected to have a material adverse effect on the Company's business as
presently conducted or on the Company's ability to enter into this Agreement and
to consummate the transactions contemplated hereby;
(ii) the Company has full corporate power to own its property,
to carry on its business as presently conducted and to enter into and perform
its obligations under this Agreement;
(iii) the execution and delivery by the Company of this
Agreement have been duly authorized by all necessary corporate action on the
part of the Company; and neither the execution and delivery of this Agreement,
nor the consummation of the transactions herein contemplated, nor compliance
with the provisions hereof, will conflict with or result in a breach of, or
constitute a default under, any of the provisions of any law, governmental rule,
regulation, judgment, decree or order binding on the Company or its properties
or the articles of incorporation or by-laws of the Company, except those
conflicts, breaches or defaults which would not reasonably be expected to have a
material adverse effect on the Company's ability to enter into this Agreement
and to consummate the transactions contemplated hereby;
(iv) the execution, delivery and performance by the Company of
this Agreement and the consummation of the transactions contemplated hereby do
not require the consent or approval of, the giving of notice to, the
registration with, or the taking of any other action in respect of, any state,
federal or other governmental authority or agency, except those consents,
approvals, notices, registrations or other actions as have already been
obtained, given or made;
(v) this Agreement has been duly executed and delivered by the
Company and, assuming due authorization, execution and delivery by the other
parties hereto, constitutes a valid and binding obligation of the Company
enforceable against it in accordance with its terms (subject to applicable
bankruptcy and insolvency laws and other similar laws affecting the enforcement
of the rights of creditors generally);
(vi) there are no actions, suits or proceedings pending or, to
the knowledge of the Company, threatened against the Company, before or by any
court, administrative agency, arbitrator or governmental body (i) with respect
to any of the transactions contemplated by this Agreement or (ii) with respect
to any other matter which in the judgment of the Company will be determined
adversely to the Company and will if determined adversely to the Company
materially and adversely affect the Company's ability to enter into this
Agreement or perform its obligations under this Agreement; and the Company is
not in default with respect to any order of any court, administrative agency,
arbitrator or governmental body so as to materially and adversely affect the
transactions contemplated by this Agreement; and
(vii) immediately prior to the transfer and assignment to the
Trustee, each Mortgage Note and each Mortgage were not subject to an assignment
or pledge, and the Company had good and marketable title to and was the sole
owner thereof and had full right to transfer and sell such Mortgage Loan to the
Trustee free and clear of any encumbrance, equity, lien, pledge, charge, claim
or security interest.
50
Upon discovery by either the Company, the Master Servicer, the
Securities Administrator, the Custodian, the NIMS Insurer or the Trustee of a
breach of any representation or warranty set forth in this Section 2.03 which
materially and adversely affects the interests of the Certificateholders in any
Mortgage Loan, the party discovering such breach shall give prompt written
notice to the other parties.
Section 2.04. Assignment of Interest in the Mortgage Loan Purchase
Agreement.
The Company hereby assigns to the Trustee for the benefit of
Certificateholders all of its rights (but none of its obligations) in, to and
under the Mortgage Loan Purchase Agreement. Insofar as the Mortgage Loan
Purchase Agreement relates to such representations and warranties and any
remedies provided thereunder for any breach of such representations and
warranties, such right, title and interest may be enforced by the Trustee on
behalf of the Certificateholders. Upon the discovery by the Company, the Master
Servicer, the Securities Administrator, NIMS Insurer or the Trustee of a breach
of any of the representations and warranties made in the Mortgage Loan Purchase
Agreement in respect of any Mortgage Loan which materially and adversely affects
the value of a Mortgage Loan or the interests of the Certificateholders in such
Mortgage Loan, the party discovering such breach shall give prompt written
notice to the other parties. The Trustee shall promptly notify the Seller of
such breach and request that the Seller shall, within 90 days from the date that
the Seller was notified or otherwise obtained knowledge of such breach, either
(i) cure such breach in all material respects or (ii) purchase such Mortgage
Loan from the Trust Fund at the Purchase Price and in the manner set forth in
Section 2.02; provided that if such breach would cause the Mortgage Loan to be
other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code,
any such cure or repurchase must occur within 90 days from the date such breach
was discovered. However, in the case of a breach under the Mortgage Loan
Purchase Agreement, subject to the approval of the Company the Seller shall have
the option to substitute a Qualified Substitute Mortgage Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date, except that if the breach would cause the Mortgage Loan to be other than a
"qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such
substitution must occur within 90 days from the date the breach was discovered
if such 90 day period expires before two years following the Closing Date. In
the event that the Seller elects to substitute a Qualified Substitute Mortgage
Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 2.04, the
Trustee shall enforce the obligation of the Seller under the Mortgage Loan
Purchase Agreement to deliver to the Custodian as agent for the Trustee and the
Master Servicer, as appropriate, with respect to such Qualified Substitute
Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment
of the Mortgage in recordable form, and such other documents and agreements as
are required by Section 2.01, with the Mortgage Note endorsed as required by
Section 2.01. No substitution will be made in any calendar month after the
Determination Date for such month. Monthly Payments due with respect to
Qualified Substitute Mortgage Loans in the month of substitution, to the extent
received by the Master Servicer or any Subservicer, shall not be part of the
Trust Fund and will be retained by the Master Servicer and remitted by the
Master Servicer to the Seller on the next succeeding Distribution Date. For the
month of substitution, distributions to Certificateholders will include the
Monthly Payment due on a Deleted Mortgage Loan for such month and thereafter the
Seller shall be entitled to retain all amounts received in respect of such
Deleted Mortgage Loan. The Company shall amend or cause to be amended the
Mortgage Loan
51
Schedule for the benefit of the Certificateholders to reflect the removal of
such Deleted Mortgage Loan and the substitution of the Qualified Substitute
Mortgage Loan or Loans and the Company shall deliver the amended Mortgage Loan
Schedule to the Custodian as agent for the Trustee and to the NIMS Insurer. Upon
such substitution, the Qualified Substitute Mortgage Loan or Loans shall be
subject to the terms of this Agreement in all respects, the Seller shall be
deemed to have made the representations and warranties with respect to the
Qualified Substitute Mortgage Loan contained in the Mortgage Loan Purchase
Agreement as of the date of substitution, and the Company shall be deemed to
have made with respect to any Qualified Substitute Mortgage Loan or Loans, as of
the date of substitution, the representations and warranties set forth in the
Mortgage Loan Purchase Agreement (other than any statistical representations set
forth therein).
In connection with the substitution of one or more Qualified Substitute
Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will
determine the amount (the "Substitution Adjustment"), if any, by which the
aggregate principal balance of all such Qualified Substitute Mortgage Loans as
of the date of substitution is less than the aggregate Stated Principal Balance
of all such Deleted Mortgage Loans (in each case after application of the
principal portion of the Monthly Payments due in the month of substitution that
are to be distributed to Certificateholders in the month of substitution). The
Trustee shall enforce the obligation of the Seller under the Mortgage Loan
Purchase Agreement to provide the Master Servicer on the day of substitution for
immediate deposit into the Custodial Account the amount of such shortfall,
without any reimbursement therefor. In accordance with the Mortgage Loan
Purchase Agreement, the Seller shall give notice in writing to the Trustee and
the Custodian of such event, which notice shall be accompanied by an Officers'
Certificate as to the calculation of such shortfall and by an Opinion of Counsel
to the effect that such substitution will not cause (a) any federal tax to be
imposed on REMIC 1 or REMIC 2, including without limitation, any federal tax
imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on
"contributions after the startup date" under Section 860G(d)(1) of the Code or
(b) any portion of REMIC 1 or REMIC 2 to fail to qualify as a REMIC at any time
that any Certificate is outstanding. The costs of any substitution as described
above, including any related assignments, opinions or other documentation in
connection therewith shall be borne by the Seller.
Except as expressly set forth herein none of the Trustee, the
Custodian, the Securities Administrator or the Master Servicer is under any
obligation to discover any breach of the above- mentioned representations and
warranties. It is understood and agreed that the obligation of the Seller to
cure such breach, purchase or to substitute for such Mortgage Loan as to which
such a breach has occurred and is continuing shall constitute the sole remedy
respecting such breach available to Certificateholders or the Trustee on behalf
of Certificateholders. Notwithstanding the foregoing, within 90 days of the
earlier of discovery by the Seller or receipt of notice by the Seller of the
breach of the representation or covenant of the Seller set forth in Section
3.01(b)(xlix) of the Mortgage Loan Purchase Agreement which materially and
adversely affects the interests of the Holders of the Class P Certificates in
any Prepayment Charge, the Seller shall remedy such breach as set forth in
Section 3.01(b) of the Mortgage Loan Purchase Agreement.
Section 2.05. Issuance of Certificates; Conveyance of REMIC Regular
Interests and Acceptance of REMIC 1 and REMIC 2 by the
Trustee.
52
(a) The Trustee acknowledges the assignment to it of the Mortgage Loans
and the delivery to the Custodian as agent for the Trustee of the Mortgage
Files, subject to the provisions of Sections 2.01 and 2.02, together with the
assignment to it of all other assets included in the Trust Fund, receipt of
which is hereby acknowledged. Concurrently with such assignment and delivery and
in exchange therefor, the Trustee, pursuant to the written request of the
Company executed by an officer of the Company, has executed, authenticated and
delivered to or upon the order of the Company, the Certificates in authorized
denominations. The interests evidenced by the Certificates, constitute the
entire beneficial ownership interest in the Trust Fund.
(b) The Company, 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 Company in and
to the REMIC 1 Regular Interests for the benefit of the Holders of the REMIC 1
Regular Interests and Holders of the Class R Certificates (as Holders of the
Class R-1 Interest). The Trustee acknowledges receipt of the REMIC 1 Regular
Interests (which are uncertificated) and declares that it holds and will hold
the same in trust for the exclusive use and benefit of the Holders of the REMIC
1 Regular Interests and Holders of the Class R Certificates (as Holders of the
Class R-1 Interest). The interests evidenced by the Class R-1 Interest, together
with the REMIC 1 Regular Interests, constitute the entire beneficial ownership
interest in REMIC 1.
(c) The Company, 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 Company in and
to the REMIC 1 Regular Interests for the benefit of the Holders of the Regular
Certificates and Holders of the Class R Certificates (as Holders of the Class
R-2 Interest). The Trustee acknowledges receipt of the REMIC 1 Regular Interests
(which are uncertificated) 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 and Holders of the Class R Certificates (as Holders of the Class
R-2 Interest). The interests evidenced by the Class R-2 Interest, together with
the Regular Certificates, constitute the entire beneficial ownership interest in
REMIC 2.
(d) In exchange for the REMIC 1 Regular Interests and, concurrently
with the assignment to the Trustee thereof, pursuant to the written request of
the Company executed by an officer of the Company, the Trustee has executed,
authenticated and delivered to or upon the order of the Company, the Regular
Certificates in authorized denominations evidencing (together with the Class R-2
Interest) the entire beneficial ownership interest in REMIC 2.
(e) Concurrently with (i) the assignment and delivery to the Trustee of
REMIC 1 (including the Residual Interest therein represented by the Class R-1
Interest) and the acceptance by the Trustee thereof and (ii) the assignment and
delivery to the Trustee of REMIC 2 (including the Residual Interest therein
represented by the Class R-2 Interest), and the acceptance by the Trustee
thereof, the Trustee, pursuant to the written request of the Company executed by
an officer of the Company, has executed, authenticated and delivered to or upon
the order of the Company, the Class R Certificates in authorized denominations
evidencing the Class R-1 Interest and the Class R-2 Interest.
Section 2.06. Negative Covenants of the Trustee and Master Servicer.
53
Except as otherwise expressly permitted by this Agreement the
Trustee and Master Servicer shall not cause the Trust Fund to:
(i) sell, transfer, exchange or otherwise dispose of any of
the assets of the Trust Fund;
(ii) dissolve or liquidate the Trust Fund in whole or in part;
(iii) engage, directly or indirectly, in any business other
than that arising out of the issue of the Certificates, and the actions
contemplated or required to be performed under this Agreement;
(iv) incur, create or assume any indebtedness for borrowed
money;
(v) voluntarily file a petition for bankruptcy,
reorganization, assignment for the benefit of creditors or similar
proceeding; or
(vi) merge, convert or consolidate with any other Person.
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ARTICLE III
ADMINISTRATION AND SERVICING
OF THE TRUST FUND
Section 3.01. Administration and Servicing of Mortgage Loans
(a) The Master Servicer shall supervise, monitor and oversee the
obligation of the Servicer to service and administer the Mortgage Loans in
accordance with the terms of the related Servicing Agreement 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 and administration. 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 Servicer as necessary from
time-to-time to carry out the Master Servicer's obligations hereunder, shall
receive, review and evaluate all reports, information and other data provided to
the Master Servicer by the Servicer and shall cause the Servicer to perform and
observe the covenants, obligations and conditions to be performed or observed by
the Servicer under the applicable Servicing Agreement. The Master Servicer shall
independently and separately monitor the Servicer's servicing activities with
respect to each related Mortgage Loan, reconcile the results of such monitoring
with such information provided in the previous sentence on a monthly basis and
coordinate corrective adjustments to 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
4.03, and prepare any other information and statements required to be forwarded
by the Master Servicer hereunder. The Master Servicer shall reconcile the
results of its Mortgage Loan monitoring with the actual remittances of the
Servicer to the Custodial Account pursuant to the applicable Servicing
Agreement.
The Trustee shall furnish the Servicer and the Master Servicer with any
powers of attorney and other documents in form as provided to it necessary or
appropriate to enable the Servicer and the Master Servicer to service and
administer the related Mortgage Loans and REO Property.
The Trustee shall provide access to the records and documentation in
possession of the Trustee regarding the related Mortgage Loans and REO Property
and the servicing thereof to the Certificateholders, the NIMS Insurer, 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 Trustee; provided, however, that, unless otherwise required by
law, the Trustee shall not 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 Trustee 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 Trustee's actual costs.
The Trustee shall execute and deliver to the Servicer and the Master
Servicer 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
55
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.
(b) Consistent with the terms of this Agreement, the Master Servicer
may waive, modify or vary any term of any Mortgage Loan or consent to the
postponement of strict compliance with any such term or in any manner grant
indulgence to any Mortgagor if such waiver, modification, postponement or
indulgence is in conformity with the Accepted Servicing Practices; provided
that, that the NIMs Insurer's prior written consent shall be required for any
modification, waiver or amendment by the Master Servicer if the aggregate number
of outstanding Mortgage Loans which have been modified, waived or amended
exceeds 5% of the number of Mortgage Loans subject to the related Servicing
Agreement, provided, however, that:
(A) the Master Servicer shall not make future advances (except
as provided in Section 4.03);
(B) the Master Servicer shall not permit any modification with
respect to any Mortgage Loan that would change the Mortgage Rate, defer or
forgive the payment of any principal or interest payments, reduce the
outstanding Stated Principal Balance (except for reductions resulting from
actual payments of principal) or extend the final maturity date on such Mortgage
Loan (unless (i) the Mortgagor is in default with respect to the Mortgage Loan
or (ii) such default is, in the judgment of the Master Servicer, reasonably
foreseeable); and
(C) the Master Servicer shall not consent to (i) partial
releases of Mortgages, (ii) alterations, (iii) removal, demolition or division
of properties subject to Mortgages, (iv) modification or (v) second mortgage
subordination agreements with respect to any Mortgage Loan that would: (i)
affect adversely the status of any REMIC as a REMIC,(ii) cause any REMIC to be
subject to a tax on "prohibited transactions" or "contributions" pursuant to the
REMIC Provisions, or (iii) both (x) effect an exchange or reissuance of such
Mortgage Loan under Section 1001 of the Code (or Treasury regulations
promulgated thereunder) and (y) cause any REMIC constituting part of the Trust
Fund to fail to qualify as a REMIC under the Code or the imposition of any tax
on "prohibited transactions" or "contributions" after the Startup Day under the
REMIC Provisions.
The provisions of this Section 3.01(b) shall apply to the exercise of such
waiver, modification, postponement or indulgence rights by the Master Servicer
in its capacity as such and shall not apply to the exercise of any similar
rights by the Servicer, who shall instead by subject to the provisions of the
Servicing Agreement. Such waiver, modification, postponement and indulgence
rights of the Master Servicer set forth in this Section shall not be construed
as a duty.
(c) In the event of a Subservicer Termination Trigger, the Master
Servicer shall enforce the obligation of the Servicer under the Servicing
Agreements to terminate the related Subservicers and to engage new Subservicers
at the direction of the NIMS Insurer.
(d) The Master Servicer shall enforce the obligation of the Servicer
under the Servicing Agreements to waive Prepayment Charges in accordance with
the criteria therein and to pay the amount of any waived Prepayment Charges.
56
Section 3.02 REMIC-Related Covenants.
For as long as each REMIC shall exist, the Trustee, the Master Servicer
and the Securities Administrator shall act in accordance herewith to assure
continuing treatment of such REMIC as a REMIC, and the Trustee, the Master
Servicer and the Securities Administrator shall comply with any directions of
the Company, the Servicer or the Master Servicer to assure such continuing
treatment. In particular, the Trustee shall not (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 has received a REMIC Opinion addressed
to the Trustee 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 2.04 of this Agreement, as applicable, accept any contribution to any
REMIC after the Startup Day without receipt of a REMIC Opinion addressed to the
Trustee.
Section 3.03 Monitoring of Servicer.
(a) The Master Servicer shall be responsible for reporting to the
Trustee and the Company the compliance by the Servicer with its duties under the
related Servicing Agreement. In the review of the Servicer's activities, the
Master Servicer may rely upon an officer's certificate of the Servicer (or
similar document signed by an officer of the Servicer) with regard to the
Servicer's compliance with the terms of its Servicing Agreement. In the event
that the Master Servicer, in its judgment, determines that the Servicer should
be terminated in accordance with its Servicing Agreement, or that a notice
should be sent pursuant to such 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 Company, the NIMS Insurer 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 Servicer under the
related Servicing Agreement, and shall, in the event that the Servicer fails to
perform its obligations in accordance with the related Servicing Agreement,
subject to the preceding paragraph, terminate the rights and obligations of the
Servicer thereunder and act as servicer of the related Mortgage Loans or to
cause the Trustee to enter in to 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 will be a period of transition
(not to exceed 90 days) before the actual servicing functions can be fully
transferred to such successor Servicer. Such enforcement, including, without
limitation, the legal prosecution of claims, termination of Servicing Agreements
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, 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
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termination of the Servicer, appointment of a successor Servicer or the transfer
and assumption of servicing by the Master Servicer with respect to any 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 Servicer as a result of an event of default by the
Servicer 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 service to service the
Mortgage Loans in accordance with the related Servicing Agreement) are not fully
and timely reimbursed by the terminated Servicer, the Master Servicer shall be
entitled to reimbursement of such costs and expenses from the Custodial Account,
provided that such reimbursement shall not be subject to the $500,000 cap
described in Section 6.03.
(d) The Master Servicer shall require the Servicer to comply with the
remittance requirements and other obligations set forth in the related Servicing
Agreement.
(e) If the Master Servicer acts as Servicer, it will not assume
liability for the representations and warranties of the Servicer, if any, that
it replaces.
Section 3.04 Fidelity Bond.
The Master Servicer, at its expense, shall 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. The errors and
omissions insurance policy and the fidelity bond shall be in such form and
amount generally acceptable for entities serving as master servicers or
trustees. Copies of such policies and fidelity bonds shall be provided to the
NIMS Insurer upon reasonable request.
Section 3.05 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 X 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 and
the Trustee, 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,
Liquidation Proceeds and Subsequent Recoveries, 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 3.03, shall not permit the 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
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not taken, as the case may be, would cause any REMIC 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 and the NIMS Insurer
have received an Opinion of Counsel (but not at the expense of the Master
Servicer) to the effect that the contemplated action would not cause any REMIC
to fail to qualify as a REMIC or result in the imposition of a tax upon any
REMIC. The Trustee shall furnish the Master Servicer, upon written request from
a Servicing Officer, with any powers of attorney empowering the Master Servicer
or the Servicer 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 applicable Servicing Agreement and this Agreement, and 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 or
the 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 8.10 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 3.06 Due-on-Sale Clauses; Assumption Agreements.
To the extent provided in the applicable Servicing Agreement, to the
extent Mortgage Loans contain enforceable due-on-sale clauses, the Master
Servicer shall cause the Servicer to enforce such clauses in accordance with the
applicable Servicing Agreement. If applicable law prohibits the enforcement of a
due-on-sale clause or such clause is otherwise not enforced in accordance with
the applicable Servicing Agreement, and, as a consequence, a Mortgage Loan is
assumed, the original Mortgagor may be released from liability in accordance
with the applicable Servicing Agreement.
Section 3.07 Release of Mortgage Files.
(a) Upon becoming aware of the payment in full of any Mortgage Loan, or
the receipt by the 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 Servicer will, if required
under the applicable Servicing Agreement (or if the 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 F
hereto signed by an officer of the Servicer or in a mutually agreeable
electronic format which will, in lieu of a signature on its face, originate from
a 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 Servicer pursuant to
Section 3.16 or by the Servicer pursuant to its Servicing Agreement have
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been or will be so deposited) and shall request that the Custodian, on behalf of
the Trustee, deliver to the 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 Servicer and the Trustee and
Custodian shall have no further responsibility with regard to such Mortgage
File. Upon any such payment in full, the 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) 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 the applicable Servicing
Agreement, the Trustee shall execute such documents as shall be prepared and
furnished to the Trustee by 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 Custodian, on behalf of the Trustee, shall, upon the
request of the Servicer or the Master Servicer, and delivery to the Custodian,
on behalf of the Trustee, of two copies of a request for release signed by a
Servicing Officer substantially in the form of Exhibit F (or in a mutually
agreeable electronic format which will, in lieu of a signature on its face,
originate from a Servicing Officer), release the related Mortgage File held in
its possession or control to the Servicer or the Master Servicer, as applicable.
Such trust receipt shall obligate the Servicer or the Master Servicer to return
the Mortgage File to the Custodian on behalf of the Trustee, when the need
therefor by the Servicer or the Master Servicer no longer exists unless the
Mortgage Loan shall be liquidated, in which case, upon receipt of a certificate
of a Servicing Officer similar to that hereinabove specified, the Mortgage File
shall be released by the Custodian, on behalf of the Trustee, to the Servicer or
the Master Servicer.
Section 3.08 Documents, Records and Funds in Possession of Master
Servicer To Be Held for Trustee.
(a) The Master Servicer shall transmit and the Servicer (to the extent
required by the related Servicing Agreement) shall transmit to the Trustee or
Custodian such documents and instruments coming into the possession of the
Master Servicer or the Servicer from time to time as are required by the terms
hereof, or in the case of the Servicer, the applicable Servicing Agreement, to
be delivered to the Trustee or Custodian. Any funds received by the Master
Servicer or by the Servicer in respect of any Mortgage Loan or which otherwise
are collected by the Master Servicer or by the Servicer as Liquidation Proceeds,
Insurance Proceeds or Subsequent Recoveries 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 Custodial Account
the Master Servicing Compensation and other amounts provided in this Agreement,
and to the right of the Servicer to retain its Servicing Fee and other amounts
as provided in the applicable Servicing Agreement. The Master Servicer shall,
and (to the extent provided in the applicable Servicing Agreement) shall cause
the Servicer to, provide access to information and documentation regarding the
Mortgage Loans to the Trustee and to the NIMS Insurer, its agents and
accountants at any time upon reasonable request
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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,
Insurance Proceeds or Subsequent Recoveries, 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 and the 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 the Servicer under this Agreement or the applicable
Servicing Agreement.
Section 3.09 Standard Hazard Insurance and Flood Insurance Policies.
(a) For each Mortgage Loan, the Master Servicer shall enforce any
obligation of the Servicer under the related Servicing Agreement to maintain or
cause to be maintained standard fire and casualty insurance and, where
applicable, flood insurance, all in accordance with the provisions of the
related Servicing Agreement. It is understood and agreed that such insurance
shall be with insurers meeting the eligibility requirements set forth in the
applicable Servicing Agreement and that no earthquake or other additional
insurance is to be required of any Mortgagor or to be maintained on property
acquired in respect of a defaulted loan, other than pursuant to such applicable
laws and regulations as shall at any time be in force and as shall require such
additional insurance.
(b) Pursuant to Section 3.16 and 3.17, any amounts collected by the
Servicer or the Master Servicer, or by the Servicer, under any insurance
policies (other than amounts to be applied to the restoration or repair of the
property subject to the related Mortgage or released to the Mortgagor in
accordance with the applicable Servicing Agreement) shall be deposited into the
Custodial Account, subject to withdrawal pursuant to Section 3.17 and 3.18. Any
cost incurred by the Master Servicer or the Servicer in maintaining any such
insurance if the Mortgagor defaults in its obligation to do so shall be added to
the amount owing under the Mortgage Loan where the terms of the Mortgage Loan so
permit; provided, however, that the addition of any such cost shall not be taken
into account for purposes of calculating the distributions to be made to
Certificateholders and shall be recoverable by the Master Servicer or the
Servicer pursuant to Section 3.17 and 3.18.
Section 3.10 Presentment of Claims and Collection of Proceeds.
The Master Servicer shall (to the extent provided in the applicable
Servicing Agreement) cause the 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,
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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 Servicer and remitted to the Master Servicer) in
respect of such policies, bonds or contracts shall be promptly deposited in the
Custodial 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 3.11 Maintenance of the Primary Mortgage Insurance Policies.
(a) The Master Servicer shall not take, or permit the Servicer (to the
extent such action is prohibited under the applicable Servicing Agreement) to
take, any action that would result in noncoverage under any applicable Primary
Mortgage Insurance Policy of any loss which, but for the actions of the Master
Servicer or the Servicer, would have been covered thereunder. The Master
Servicer shall use its best reasonable efforts to cause the Servicer (to the
extent required under the related Servicing Agreement) to keep in force and
effect (to the extent that the Mortgage Loan requires the Mortgagor to maintain
such insurance), primary mortgage insurance applicable to each Mortgage Loan in
accordance with the provisions of this Agreement and the related Servicing
Agreement, as applicable. The Master Servicer shall not, and shall not permit
the Servicer (to the extent required under the related Servicing Agreement) to,
cancel or refuse to renew any such Primary Mortgage Insurance Policy that is in
effect at the date of the initial issuance of the Mortgage Note and is required
to be kept in force hereunder except in accordance with the provisions of this
Agreement and the related Servicing Agreement, as applicable.
(b) The Master Servicer agrees to present, or to cause the Servicer (to
the extent required under the related Servicing Agreement) to present, on behalf
of the Trustee and the Certificateholders, claims to the insurer under any
Primary Mortgage Insurance Policies and, in this regard, to take such reasonable
action as shall be necessary to permit recovery under any Primary Mortgage
Insurance Policies respecting defaulted Mortgage Loans. Pursuant to Section 3.16
and 3.17, any amounts collected by the Master Servicer or the Servicer under any
Primary Mortgage Insurance Policies shall be deposited in the Custodial Account,
subject to withdrawal pursuant to Sections 3.17 and 3.18.
Section 3.12 Trustee to Retain Possession of Certain Insurance
Policies and Documents.
The Trustee (or the Custodian, as directed by the Trustee), shall
retain possession and custody of the originals (to the extent available) of any
Primary Mortgage Insurance Policies, or 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 Master
Servicer otherwise has fulfilled its obligations under this Agreement, the
Trustee (or its Custodian, if any, as directed by 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 Master Servicer shall promptly
deliver or cause to be delivered to the Trustee (or the Custodian, as directed
by the Trustee), upon the execution or receipt thereof the originals of any
Primary Mortgage Insurance Policies, any certificates of renewal, and
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such other documents or instruments that constitute portions of the Mortgage
File that come into the possession of the Master Servicer from time to time.
Section 3.13 Realization Upon Defaulted Mortgage Loans.
The Master Servicer shall cause the Servicer (to the extent required
under the related Servicing Agreement) 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 the applicable Servicing Agreement.
Section 3.14 Compensation for the Master Servicer.
The Master Servicer will be entitled to the Master Servicer Fee and any
all income and gain realized from any investment of funds in the Certificate
Account and the Custodial Account, pursuant to Article IV, for the performance
of its activities hereunder. Servicing compensation in the form of assumption
fees, if any, late payment charges, as collected, if any, or otherwise (but not
including any Prepayment Charge) shall be retained by the Servicer and shall not
be deposited in the Protected Account. 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 3.15 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 the
applicable Servicing Agreement, cause the 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. Pursuant to its
efforts to sell such REO Property, the Master Servicer shall cause the Servicer
to protect and conserve, such REO Property in the manner and to the extent
required by the applicable 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 the related
Servicing Agreement, cause the Servicer to deposit all funds collected and
received in connection with the operation of any REO Property in the Protected
Account.
(c) The Master Servicer and the Servicer, upon the final disposition of
any REO Property, shall be entitled to reimbursement for any related
unreimbursed Monthly Advances and other unreimbursed advances as well as any
unpaid Servicing Fees from Liquidation Proceeds received in connection with the
final disposition of such REO Property; provided, that any such unreimbursed
Monthly Advances as well as any unpaid Servicing Fees may be reimbursed or paid,
as the case may
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be, prior to final disposition, out of any net rental income or other net
amounts derived from such REO Property.
(d) To the extent provided in the related Servicing Agreement, the
Liquidation Proceeds from the final disposition of the REO Property, net of any
payment to the Master Servicer and the Servicer as provided above shall be
deposited in the Protected Account on or prior to the Determination Date in the
month following receipt thereof and be remitted by wire transfer in immediately
available funds to the Master Servicer for deposit into the related Custodial
Account on the next succeeding Servicer Remittance Date.
Section 3.16. Protected Accounts
(a) The Master Servicer shall enforce the obligation of the Servicer to
establish and maintain a Protected Account in accordance with the applicable
Servicing Agreement, with records to be kept with respect thereto on a Mortgage
Loan by Mortgage Loan basis, into which accounts shall be deposited within 48
hours (or as of such other time specified in the related Servicing Agreement) of
receipt, all collections of principal and interest on any Mortgage Loan and any
REO Property received by the Servicer, including Principal Prepayments,
Insurance Proceeds, Liquidation Proceeds, and advances made from the Servicer's
own funds (less servicing compensation as permitted by the applicable Servicing
Agreement in the case of the Servicer) and all other amounts to be deposited in
the Protected Account. The Servicer 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 the related Servicing
Agreement, the Protected Account shall be held by a Designated Depository
Institution and segregated on the books of such institution in the name of the
Trustee for the benefit of Certificateholders.
(b) To the extent provided in the related 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 shall mature, or shall be subject to redemption or
withdrawal, no later than the date on which such funds are required to be
withdrawn for deposit in the Custodial Account, and shall be held until required
for such deposit. The income earned from Permitted Investments made pursuant to
this Section 3.16 shall be paid to the Servicer under the applicable 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 Servicer. The Servicer (to the extent provided in the 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 the related Servicing Agreement and
subject to this Article III, on or before each Servicer Remittance Date, the
Servicer shall withdraw or shall cause to be withdrawn from its Protected
Accounts and shall immediately deposit or cause to be deposited in the Custodial
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) with
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respect to each Loan Group:
(1) Scheduled payments on the Mortgage Loans received or any
related portion thereof advanced by the Servicer pursuant to its
Servicing Agreement which were due on or before the related Due Date,
net of the amount thereof comprising its Servicing Fee or any fees with
respect to any lender-paid primary mortgage insurance policy;
(2) Full Principal Prepayments and any Liquidation Proceeds
received by the Servicer with respect to the Mortgage Loans in the
related Prepayment Period, with interest to the date of prepayment or
liquidation, net of the amount thereof comprising its Servicing Fee;
(3) Partial Principal Prepayments received by the Servicer for
the Mortgage Loans in the related Prepayment Period; and
(4) Any amount to be used as a Monthly Advance.
(b) Withdrawals may be made from an Account only to make remittances as
provided in the Servicing Agreement; to reimburse the Master Servicer or the
Servicer for Monthly Advances which have been recovered by subsequent
collections 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 10.01. As provided in Sections 3.16(a) and 3.17(b)
certain amounts otherwise due to the Servicer may be retained by them and need
not be deposited in the Custodial Account.
Section 3.17 Custodial Account
(a) The Master Servicer shall establish and maintain in the name of the
Trustee, for the benefit of the Certificateholders, the Custodial Account as a
segregated trust account or accounts. The Custodial Account shall be an Eligible
Account. The Master Servicer will deposit in the Custodial Account as identified
by the Master Servicer and as received by the Master Servicer from the Servicer,
the following amounts:
(1) Any amounts withdrawn from a Protected Account;
(2) Any Monthly Advance and any payments of Compensating
Interest;
(3) Any Insurance Proceeds, Net Liquidation Proceeds or
Subsequent Recoveries received by or on behalf of the Servicer or
Master Servicer or which were not deposited in a Protected Account;
(4) The Repurchase Price with respect to any Mortgage Loans
purchased by the Seller pursuant to the Mortgage Loan Purchase
Agreement or Sections 2.02 or 2.03 hereof, any amounts which are to be
treated pursuant to Section 2.04 of this Agreement as the payment of a
Repurchase Price in connection with the tender of a Substitute Mortgage
Loan
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by the Seller, the Repurchase Price with respect to any Mortgage Loans
purchased by the Company pursuant to Section 3.21, and all proceeds of
any Mortgage Loans or property acquired with respect thereto
repurchased by the Company or its designee pursuant to Section 10.01;
(5) Any amounts required to be deposited with respect to
losses on investments of deposits in an Account; and
(6) Any other amounts received by or on behalf of the Master
Servicer and required to be deposited in the Custodial Account pursuant
to this Agreement.
(b) All amounts deposited to the Custodial 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 Custodial Account or the
Certificate Account shall be exclusive, it being understood and agreed that,
without limiting the generality of the foregoing, payments in the nature of (i)
prepayment or late payment charges or assumption, tax service, statement account
or payoff, substitution, satisfaction, release and other like fees and charges
and (ii) the items enumerated in Subsection 3.20(a) need not be credited by the
Master Servicer or the Servicer to the Certificate Account or the Custodial
Account, as applicable. In the event that the Master Servicer shall deposit or
cause to be deposited to the Custodial Account any amount not required to be
credited thereto, the Securities Administrator, upon receipt of a written
request therefor signed by a Servicing Officer of the Master Servicer, shall
promptly transfer such amount to the Master Servicer, any provision herein to
the contrary notwithstanding.
(c) The amount at any time credited to the Custodial Account may be
invested, in the name of the Trustee, or its nominee, for the benefit of the
Certificateholders, in Permitted Investments as directed by Master Servicer. All
Permitted Investments shall mature or be subject to redemption or withdrawal on
or before, and shall be held until, the next succeeding Certificate Account
Deposit Date. Any and all investment earnings on amounts on deposit in the
Master Servicer Account from time to time shall be for the account of the Master
Servicer. The Master Servicer from time to time shall be permitted to withdraw
or receive distribution of any and all investment earnings from the Master
Servicer Account. 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 Master Servicer. The Master Servicer shall deposit the amount of any
such loss in the Custodial 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 3.18 Permitted Withdrawals and Transfers from the Custodial
Account.
(a) The Master Servicer will, from time to time on demand of the
Servicer or the Securities Administrator, make or cause to be made such
withdrawals or transfers from the Custodial Account as the Master Servicer has
designated for such transfer or withdrawal pursuant to this Agreement and the
related Servicing Agreement. The Master Servicer may clear and terminate the
Custodial Account pursuant to Section 10.01 and remove amounts from time to time
deposited in
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error.
(b) On an ongoing basis, the Master Servicer shall withdraw from the
Custodial Account (i) any expenses recoverable by the Trustee, the Master
Servicer or the Securities Administrator or the Custodian pursuant to Sections
3.03, 7.04 and 9.05 and (ii) any amounts payable to the Master Servicer as set
forth in Section 3.14.
(c) In addition, on or before each Certificate Account Deposit Date,
the Master Servicer shall deposit in the Certificate Account (or remit to the
Securities Administrator for deposit therein) any Monthly 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 Certificate Account
Deposit Date, the Master Servicer will transfer all Available Distribution
Amount on deposit in the Custodial Account with respect to the related
Distribution Date to the Securities Administrator for deposit in the Certificate
Account.
Section 3.19. Certificate Account.
(a) The Securities Administrator shall establish and maintain in the
name of the Trustee, for the benefit of the Certificateholders, the Certificate
Account as a segregated trust account or accounts and it may be a sub-account of
the Custodial Account.
(b) All amounts deposited to the Certificate Account shall be held by
the Trustee 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 Certificate Account shall constitute a trust account of the
Trust Fund segregated on the books of the Securities Administrator on behalf of
the Trustee, and the Certificate 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 Trustee, the Securities
Administrator or the Master Servicer (whether made directly, or indirectly
through a liquidator or receiver of the Trustee or the Master Servicer). The
Certificate Account shall be an Eligible Account. The Certificate Account may be
a sub-account of the Custodial Account and in such case any withdrawals from the
Custodial Account and deposits into the Certificate Account shall be deemed to
have been made. The amount at any time credited to the Certificate Account shall
be (i) held in cash and fully insured by the FDIC to the maximum coverage
provided thereby or (ii) invested in the name of the Trustee, in such Permitted
Investments selected by the Securities Administrator or deposited in demand
deposits with such depository institutions as selected by the Securities
Administrator, provided that time deposits of such depository institutions would
be a Permitted Investment. All Permitted Investments shall mature or be subject
to redemption or withdrawal on or before, and shall be held until, the next
succeeding Distribution Date if the obligor, manager or advisor for such
Permitted Investment is an affiliate of the Securities Administrator or, if such
obligor is any other Person, the Business Day preceding such Distribution Date.
All investment earnings on amounts on deposit in the Certificate Account or
benefit from funds uninvested therein from time to time shall be for the
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account of the Securities Administrator. The Securities Administrator shall be
permitted to withdraw or receive distribution of any and all investment earnings
from the Certificate 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 to the Certificate Account. With respect to the
Certificate Account and the funds deposited therein, the Master Servicer 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. ss. 92a(e),
and applicable regulations pursuant thereto, if applicable, or any applicable
comparable state statute applicable to state chartered banking corporations.
Section 3.20 Permitted Withdrawals and Transfers from the Certificate
Account.
(a) The Securities Administrator will, from time to time, make or cause
to be made such withdrawals or transfers from the Certificate Account as the
Securities Administrator has designated for such transfer or withdrawal pursuant
to this Agreement and the Servicing Agreements:
(1) to reimburse the Master Servicer or the Servicer for any
Monthly Advance of its own funds, the right of the Master Servicer or
the 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 Monthly Advance was made;
(2) to reimburse the Master Servicer or the Servicer from
Insurance Proceeds or Liquidation Proceeds relating to a particular
Mortgage Loan for amounts expended by the Master Servicer or the
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;
(3) to reimburse the Master Servicer or the Servicer from
Insurance Proceeds relating to a particular Mortgage Loan for insured
expenses incurred with respect to such Mortgage Loan and to reimburse
the Master Servicer or the 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 (xi) of this Subsection 3.18(a) to the Master Servicer; and (ii)
such Liquidation Expenses were not included in the computation of such
Excess Liquidation Proceeds;
(4) to reimburse the Master Servicer or the Servicer for
advances of funds (other than Monthly Advances) made with respect to
the Mortgage Loans, and the right to reimbursement pursuant to this
subclause being limited to amounts received on the related Mortgage
Loan (including, for this purpose, the Repurchase Price therefor,
Insurance Proceeds and Liquidation Proceeds) which represent late
recoveries of the payments for
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which such advances were made;
(5) to reimburse the Master Servicer or the Servicer for any
Monthly Advance or advance, after a Realized Loss has been allocated
with respect to the related Mortgage Loan if the Monthly Advance or
advance has not been reimbursed pursuant to clauses (i) and (iv);
(6) to pay the Master Servicer as set forth in Section 3.14;
(7) to reimburse the Master Servicer for expenses, costs and
liabilities incurred by and reimbursable to it pursuant to Sections
3.03, 7.04(c) and (d);
(8) to pay to the Master Servicer, as additional servicing
compensation, any Excess Liquidation Proceeds to the extent not
retained by the Servicer;
(9) to reimburse or pay the Servicer any such amounts as are
due thereto under the applicable Servicing Agreement and have not been
retained by or paid to the Servicer, to the extent provided in the
related Servicing Agreement;
(10) to reimburse the Trustee, the Securities Administrator or
the Custodian for expenses, costs and liabilities incurred by or
reimbursable to it pursuant to this Agreement;
(11) to remove amounts deposited in error; and
(12) to clear and terminate the Certificate Account pursuant
to Section 10.01.
(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 Certificate Account pursuant to subclauses (i) through
(iv) 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 Certificate Account under Section 3.17(b).
(c) On each Distribution Date, the Securities Administrator shall
distribute the Available Distribution Amount to the extent on deposit in the
Certificate Account to the Holders of the Certificates and determined by the
Securities Administrator.
Section 3.21 Annual Officer's Certificate as to Compliance.
(a) The Master Servicer shall deliver to the Trustee, the NIMS Insurer
and the Rating Agencies on or before March 1 of each year, commencing on March
1, 2005, an Officer's Certificate, certifying that with respect to the period
ending December 31 of the prior year: (i) such Servicing Officer has reviewed
the activities of such Master Servicer during the preceding calendar year or
portion thereof and its performance under this Agreement, (ii) to the best of
such Servicing Officer's knowledge, based on such review, such Master Servicer
has performed and fulfilled its duties, responsibilities and obligations under
this Agreement in all material respects throughout such year, or, if there has
been a default in the fulfillment of any such duties, responsibilities or
obligations,
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specifying each such default known to such Servicing Officer and the nature and
status thereof, (iii) nothing has come to the attention of such Servicing
Officer to lead such Servicing Officer to believe that the Servicer has failed
to perform any of its duties, responsibilities and obligations under the related
Servicing Agreement in all material respects throughout such year, or, if there
has been a material default in the performance or fulfillment of any such
duties, responsibilities or obligations, specifying each such default known to
such Servicing Officer and the nature and status thereof.
(b) Copies of such statements shall be provided to any
Certificateholder upon request, by the Master Servicer or by the Securities
Administrator at the Master Servicer's expense if the Master Servicer failed to
provide such copies.
Section 3.22 Annual Independent Accountant's Servicing Report.
If the Master Servicer has, during the course of any fiscal year,
directly serviced any of the Mortgage Loans, then the Master Servicer at its
expense shall cause a nationally recognized firm of independent certified public
accountants to furnish a statement to the Trustee, the NIMS Insurer, the Rating
Agencies and the Company on or before March 1 of each year, commencing on March
1, 2005 to the effect that, with respect to the most recently ended fiscal year,
such firm has examined certain records and documents relating to the Master
Servicer's performance of its servicing obligations under this Agreement and
pooling and servicing and trust agreements in material respects similar to this
Agreement and to each other and that, on the basis of such examination conducted
substantially in compliance with the audit program for mortgages serviced for
Xxxxxxx Mac or the Uniform Single Attestation Program for Mortgage Bankers, such
firm is of the opinion that the Master Servicer's activities have been conducted
in compliance with this Agreement, or that such examination has disclosed no
material items of noncompliance except for (i) such exceptions as such firm
believes to be immaterial, (ii) such other exceptions as are set forth in such
statement and (iii) such exceptions that the Uniform Single Attestation Program
for Mortgage Bankers or the Audit Program for Mortgages Serviced by Xxxxxxx Mac
requires it to report. Copies of such statements shall be provided to any
Certificateholder upon request by the Master Servicer, or by the Securities
Administrator at the expense of the Master Servicer. If such report discloses
exceptions that are material, the Master Servicer shall advise the Trustee
whether such exceptions have been or are susceptible of cure, and will take
prompt action to do so.
Section 3.23 Reports Filed with Securities and Exchange Commission.
Within 15 days after each Distribution Date, the Securities
Administrator shall, in accordance with industry standards, file with the
Commission via XXXXX, a Form 8-K with a copy of the statement to the
Certificateholders for such Distribution Date as an exhibit thereto. Prior to
January 30 in any year, the Securities Administrator shall, in accordance with
industry standards and unless otherwise instructed by the Company, file a Form
15 Suspension Notice with respect to the Trust Fund, if applicable. Prior to (i)
March 15, 2005 and (ii) unless and until a Form 15 Suspension Notice shall have
been filed, prior to March 15 of each year thereafter, the Master Servicer shall
provide the Securities Administrator with a Master Servicer Certification,
together with a copy of the annual independent accountant's servicing report and
annual statement of compliance of the Servicer, in each case, required to be
delivered pursuant to the related Servicing Agreement, and, if
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applicable, the annual statement of compliance, and the annual independent
accountant's servicing report to be delivered by the Master Servicer pursuant to
Sections 3.21 and 3.22. Prior to (i) March 31, 2005, or such earlier filing date
as may be required by the Commission, and (ii) unless and until a Form 15
Suspension Notice shall have been filed, March 31 of each year thereafter, or
such earlier filing date as may be required by the Commission, the Securities
Administrator shall file a Form 10- K, in substance conforming to industry
standards, with respect to the Trust. Such Form 10-K shall include the Master
Servicer Certification and other documentation provided by the Master Servicer
pursuant to the second preceding sentence. The Company hereby grants to the
Securities Administrator a limited power of attorney to execute and file each
such document on behalf of the Company. Such power of attorney shall continue
until either the earlier of (i) receipt by the Securities Administrator from the
Company of written termination of such power of attorney and (ii) the
termination of the Trust Fund. The Company agrees to promptly furnish to the
Securities Administrator, from time to time upon request, such further
information, reports and financial statements within its control 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 3.23; provided, however, the
Securities Administrator will cooperate with the Company in connection with any
additional filings with respect to the Trust Fund as the Company deems necessary
under the Exchange Act. Fees and expenses incurred by the Securities
Administrator in connection with this Section 3.23 shall not be reimbursable
from the Trust Fund.
Section 3.24 UCC.
The Company shall inform the Trustee in writing of any Uniform
Commercial Code financing statements that were filed on the Closing Date in
connection with the Trust with stamped recorded copies of such financing
statements to be delivered to the Trustee promptly upon receipt by the Company.
The Trustee agrees to monitor and notify the Company if any continuation
statements for such Uniform Commercial Code financing statements need to be
filed. If directed by the Company in writing, the Trustee will file any such
continuation statements solely at the expense of the Company. The Company shall
file any financing statements or amendments thereto required by any change in
the Uniform Commercial Code.
Section 3.25 Optional Purchase of Defaulted Mortgage Loans.
(a)(i) The NIMS Insurer may, at its option, purchase a
Mortgage Loan which has become 90 or more days delinquent or for which the
Servicer has accepted a deed in lieu of foreclosure. Prior to purchase pursuant
to this Section 3.25(a)(i), the Servicer shall be required to continue to make
Advances pursuant to the related Servicing Agreement. The NIMS Insurer shall not
use any procedure in selecting Mortgage Loans to be repurchased which is
materially adverse to the interests of the Certificateholders. The NIMS Insurer
shall purchase such delinquent Mortgage Loan at a price equal to the Purchase
Price of such Mortgage Loan. Any such purchase of a Mortgage Loan pursuant to
this Section 3.25(a)(i) shall be accomplished by remittance to the Master
Servicer for deposit in the Custodial Account of the amount of the Purchase
Price. The Trustee shall effectuate the conveyance of such delinquent Mortgage
Loan to the NIMS Insurer to the extent necessary, as requested, and the Trustee
shall promptly deliver all documentation to the NIMS
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Insurer.
(ii) During the first full calender month (but excluding the
last Business Day thereof) following a Mortgage Loan or related REO Property
becoming 90 days or more delinquent, the Seller shall have the option, but not
the obligation to purchase from the Trust Fund any such Mortgage Loan or related
REO Property that is then still 90 days or more delinquent, which the Seller
determines in good faith will otherwise become subject to foreclosure
proceedings (evidence of such determination to be delivered in writing to the
Trustee prior to purchase), at a price equal to the Purchase Price. The Purchase
Price for any Mortgage Loan or related REO Property purchased hereunder shall be
deposited in the Custodial Account, and the Trustee, upon written certification
of such deposit, shall release or cause to be released to the Seller the related
Mortgage File and the Trustee shall execute and deliver such instruments of
transfer or assignment, in each case without recourse, as the Seller shall
furnish and as shall be necessary to vest in the Seller title to any Mortgage
Loan or related REO Property released pursuant hereto.
(b) If with respect to any delinquent Mortgage Loan or related
REO Property, the option of the Seller set forth in the preceding paragraph
shall have arisen but the Seller shall have failed to exercise such option on or
before the Business Day preceding the last Business Day of the calendar month
following the calendar month during which such Mortgage Loan or related REO
Property first became 90 days or more delinquent, then such option shall
automatically expire; provided, however, that if any such Mortgage Loan or
related REO Property shall cease to be 90 days or more delinquent but then
subsequently shall again become 90 days or more delinquent, then the Seller
shall be entitled to another repurchase option with respect to such Mortgage
Loan or REO Property as provided in the preceding paragraph.
Section 3.26. The Corridor Contract.
The Trustee on behalf of the Trust Fund, shall enter into the interest
rate cap transaction evidenced by the Corridor Contract, on the terms and
conditions set forth in the Corridor Contract Assignment Agreement. The Corridor
Contract will be an asset of the Trust Fund but will not be an asset of any
REMIC. The Securities Administrator, on behalf of the Trustee, shall deposit any
amounts received from time to time with respect to the Corridor Contract into
the Basis Risk Shortfall Reserve Fund.
The Securities Administrator, on behalf of the Trustee, shall prepare
and deliver any notices required to be delivered under the Corridor Contract.
The Securities Administrator, on behalf of the Trustee, shall terminate
the Corridor Contract upon the occurrence of certain events of default or
termination events to the extent specified thereunder.
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ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01. Distributions.
(a) On each Distribution Date the Securities Administrator shall
distribute to each Certificateholder of record as of the next preceding Record
Date (other than as provided in Section 9.01 respecting the final distribution)
either in immediately available funds (by wire transfer or otherwise) to the
account of such Certificateholder at a bank or other entity having appropriate
facilities therefor, if such Certificateholder has so notified the Securities
Administrator at least 5 Business Days prior to the related Record Date, or
otherwise by check mailed to such Certificateholder at the address of such
Holder appearing in the Certificate Register, such Certificateholder's share
(based on the aggregate of the Percentage Interests represented by Certificates
of the applicable Class held by such Holder) of the amounts required to be
distributed to such Holder pursuant to this Section 4.01.
On each Distribution Date, the Securities Administrator shall withdraw
from the Certificate Account that portion of Available Distribution Amount for
such Distribution Date consisting of the Interest Remittance Amount for such
Distribution Date, and make the following disbursements and transfers in the
order of priority described below, in each case to the extent of the Interest
Remittance Amount remaining for such Class for such Distribution Date;
(i) concurrently, to the Holders of the Class A-1 Certificates
and Class A-2 Certificates, the related Accrued Certificate Interest and any
Interest Carry Forward Amount for such Class for such Distribution Date; and
(ii) sequentially, to the Holders of the Class M-1, Class M-2,
Class M-3, Class M-4, Class M-5, Class M-6, Class M-7 and Class M-8
Certificates, in that order, the related Accrued Certificate Interest for such
Class for such Distribution Date.
(b) (i) On each Distribution Date (a) prior to the Stepdown Date or (b)
on which a Trigger Event is in effect, the Holders of each Class of Offered
Certificates shall be entitled to receive distributions in respect of principal
from that portion of Available Distribution Amount to the extent of the
Principal Distribution Amount in the following amounts and order of priority:
(1) concurrently, to the Class A-1 Certificates and Class
A-2 Certificates, on a pro rata basis, until the
Certificate Principal Balances thereof are reduced to
zero; and
(2) sequentially, to the Class X-0, Xxxxx X-0, Class M-3,
Class M-4, Class M-5, Class M-6, Class M-7 and Class
M-8 Certificates, in that order, until the
Certificate Principal Balance of each such Class is
reduced to zero.
(ii) On each Distribution Date (a) on or after the Stepdown
Date and (b) on which a Trigger Event is not in effect, the Holders of each
Class of Offered Certificates shall be entitled
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to receive distributions in respect of principal from that portion of Available
Distribution Amount to the extent of the Principal Distribution Amount in the
following amounts and order of priority:
(1) first, concurrently, the Class A Principal
Distribution Amount shall be distributed to the
Holders of the Class A-1 Certificates and Class A-2
Certificates, on a pro rata basis, until the
Certificate Principal Balances thereof have been
reduced to zero;
(2) second, to the Holders of the Class M-1 Certificates,
the Class M-1 Principal Distribution Amount until the
Certificate Principal Balance thereof has been
reduced to zero;
(3) third, to the Holders of the Class M-2 Certificates,
the Class M-2 Principal Distribution Amount until the
Certificate Principal Balance thereof has been
reduced to zero; and
(4) fourth, to the Holders of the Class M-3 Certificates,
the Class M-3 Principal Distribution Amount until the
Certificate Principal Balance thereof has been
reduced to zero;
(5) fifth, to the Holders of the Class M-4 Certificates,
the Class M-4 Principal Distribution Amount until the
Certificate Principal Balance thereof has been
reduced to zero;
(6) sixth, to the Holders of the Class M-5 Certificates,
the Class M-5 Principal Distribution Amount until the
Certificate Principal Balance thereof has been
reduced to zero;
(7) seventh, to the Holders of the Class M-6
Certificates, the Class M-6 Principal Distribution
Amount until the Certificate Principal Balance
thereof has been reduced to zero;
(8) eighth, to the Holders of the Class M-7 Certificates,
the Class M-7 Principal Distribution Amount until the
Certificate Principal Balance thereof has been
reduced to zero; and
(9) ninth, to the Holders of the Class M-8 Certificates,
the Class M-8 Principal Distribution Amount until the
Certificate Principal Balance thereof has been
reduced to zero.
(c) On each Distribution Date the Net Monthly Excess Cashflow shall be
distributed in the following order of priority, in each case to the extent of
the Net Monthly Excess Cashflow remaining for such Distribution Date:
(i) to the Holders of the Offered Certificates then entitled
to receive distributions
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in respect of principal, in an amount equal to any Extra Principal Distribution
Amount, payable to such Holders as part of the Principal Distribution Amount as
described under Section 4.01(b) above;
(ii) sequentially to the Holders of the Class M-1, Class X-0,
Xxxxx X-0, Class M- 4, Class M-5, Class M-6, Class M-7 and Class M-8
Certificates, in that order, in an amount equal to any Interest Carry Forward
Amount for such Class or Classes;
(iii) sequentially to the Holders of the Class A-2, Class X-0,
Xxxxx X-0, Class M- 3, Class M-4, Class M-5, Class M-6, Class M-7 and Class M-8
Certificates, in that order, in an amount equal to any Allocated Realized Loss
Amount for such Class or Classes;
(iv) to the Basis Risk Shortfall Reserve Fund, to pay the
Offered Certificates as follows: first, concurrently to the Class A-1
Certificates and Class A-2 Certificates and second, sequentially to the Class
X-0, Xxxxx X-0, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7 and Class
M-8 Certificates, in that order, any related Basis Risk Shortfall Carry-Forward
Amount for such Class or Classes on such Distribution Date, to the extent not
covered by the Corridor Contract;
(v) to the Holders of the Class C Certificates, the Accrued
Certificate Interest for such Class and any Principal Remittance Amount not used
to make payments pursuant to clauses (b) and (c)(i) through (iv) above;
(vi) if such Distribution Date follows the Prepayment Period
during which occurs the latest date on which a Prepayment Charge may be required
to be paid in respect of any Mortgage Loans, to the Holders of the Class P
Certificates, in reduction of the Certificate Principal Balance thereof, until
the Certificate Principal Balance thereof is reduced to zero;
(vii) to the Master Servicer, the Securities Administrator and
the Trustee any amounts payable pursuant to Sections 6.03 or 8.05 which were not
reimbursed because of the operation of the annual cap described in such
Sections; and
(viii) any remaining amounts to the Holders of the Class R
Certificates (in respect of the appropriate Residual Interest).
Without limiting the provisions of Section 9.01, the Class R Certificateholders,
by accepting the Class R Certificates, agree to pledge their rights to receive
any amounts otherwise distributable on the Class R Certificates, and such rights
are hereby assigned and pledged to the holders of the Class C Certificates.
(d) In addition to the foregoing distributions, with respect to any
Subsequent Recoveries, the Master Servicer shall deposit such funds into the
Protected Account pursuant to Section 3.17. If, after taking into account such
Subsequent Recoveries, the amount of a Realized Loss is reduced, the amount of
such Subsequent Recoveries will be applied to increase the Certificate Principal
Balance of the Class of Certificates with the highest payment priority to which
Realized Losses have been allocated, but not by more than the amount of Realized
Losses previously allocated to that Class
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of Certificates. The amount of any remaining Subsequent Recoveries will be
applied to increase the Certificate Principal Balance of the Class of
Certificates with the next highest payment priority, up to the amount of such
Realized Losses previously allocated to that Class of Certificates, and so on.
Holders of such Certificates will not be entitled to any payment in respect of
Accrued Certificate Interest on the amount of such increases for any 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.
(f) On each Distribution Date, all amounts representing Prepayment
Charges in respect of the Mortgage Loans received during the related Prepayment
Period will be withdrawn from the Certificate Account and distributed by the
Securities Administrator to the Holders of the Class P Certificates and shall
not be available for distribution to the Holders of any other Class of
Certificates. The payment of the foregoing amounts to the Holders of the Class P
Certificates shall not reduce the Certificate Principal Balances thereof.
(g) With respect to the Corridor Contract, on each Distribution Date,
any payments received from the Corridor Contract Counterparty with respect to
such Distribution Date will be allocated to the Offered Certificates and the
holder of the Class C Certificates in the following order of priority, in each
case to the extent of amounts remaining:
(1) concurrently, to the Class A-1 Certificates and Class A-2
Certificates, any related Basis Risk Shortfall Carry-Forward
Amount for such Distribution Date;
(2) sequentially, to the Class X-0, Xxxxx X-0, Class M-3, Class
M-4, Class M-5, Class M-6, Class M-7 and Class M-8
Certificates, in that order, any related Basis Risk Shortfall
Carry-Forward Amount for such Classes for such Distribution
Date; and
(3) any remaining amounts to the holders of the Class C
Certificates.
(h) Each distribution with respect to a Book-Entry Certificate shall be
paid to the Company, as Holder thereof, and the Company shall be responsible for
crediting the amount of such distribution to the accounts of its Company
Participants in accordance with its normal procedures. Each Company Participant
shall be responsible for disbursing such distribution to the Certificate Owners
that it represents and to each indirect participating brokerage firm (a
"brokerage firm" or "indirect participating firm") for which it acts as agent.
Each brokerage firm shall be responsible for disbursing funds to the Certificate
Owners that it represents. None of the Trustee, the Securities Administrator the
Company or the Master Servicer shall have any responsibility therefor except as
otherwise provided by this Agreement or applicable law.
(i) [reserved]
(j) Except as otherwise provided in Section 9.01, if the Securities
Administrator anticipates that a final distribution with respect to any Class of
Certificates will be made on the next Distribution Date, the Securities
Administrator shall, no later than two Business Days after the Determination
Date in the month of such final distribution, mail on such date to each Holder
of such
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Class of Certificates a notice to the effect that: (i) the Securities
Administrator anticipates that the final distribution with respect to such Class
of Certificates will be made on such Distribution Date but only upon
presentation and surrender of such Certificates at the office of the Securities
Administrator or as otherwise specified therein, and (ii) no interest shall
accrue on such Certificates from and after the end of the prior calendar month.
Any funds not distributed to any Holder or Holders of Certificates of
such Class on such Distribution Date because of the failure of such Holder or
Holders to tender their Certificates shall, on such date, be set aside and held
in trust and credited to the account of the appropriate non- tendering Holder or
Holders. If any Certificates as to which notice has been given pursuant to this
Section 4.01(i) shall not have been surrendered for cancellation within six
months after the time specified in such notice, the Securities Administrator
shall mail a second notice to the remaining non-tendering Certificateholders to
surrender their Certificates for cancellation in order to receive the final
distribution with respect thereto. If within six months after the second notice
all such Certificates shall not have been surrendered for cancellation, the
Securities Administrator shall take reasonable steps as directed by the Company,
or appoint an agent to take reasonable steps, to contact the remaining
non-tendering Certificateholders concerning surrender of their Certificates. The
costs and expenses of maintaining the funds in trust and of contacting such
Certificateholders shall be paid out of the assets remaining in the Trust Fund.
If within nine months after the second notice any such Certificates shall not
have been surrendered for cancellation, the Class R Certificateholders shall be
entitled to all unclaimed funds and other assets which remain subject hereto. No
interest shall accrue or be payable to any Certificateholder on any amount held
in trust as a result of such Certificateholder's failure to surrender its
Certificate(s) for final payment thereof in accordance with this Section
4.01(j).
(k) On each Distribution Date, other than the final Distribution Date,
the Securities Administrator shall distribute to each Certificateholder of
record as of the immediately preceding Record Date the Certificateholder's pro
rata share of its Class (based on the aggregate Percentage Interest represented
by such Holder's Certificates) of all amounts required to be distributed on such
Distribution Date to such Class. The Securities Administrator shall calculate
the amount to be distributed to each Class and, based on such amounts, the
Securities Administrator shall determine the amount to be distributed to each
Certificateholder. All of the Securities Administrator's calculations of
payments shall be based solely on information provided to the Securities
Administrator by the Master Servicer. The Securities Administrator shall not be
required to confirm, verify or recompute any such information but shall be
entitled to rely conclusively on such information.
Section 4.02. Statements to Certificateholders.
(a) On each Distribution Date, based, as applicable, on information
provided to it by the Master Servicer, the Securities Administrator shall
prepare and make available on the Securities Administrator's website as set
forth below, to each Holder of the Regular Certificates, the Trustee, the Master
Servicer, the NIMS Insurer and the Rating Agencies, a statement as to the
distributions made on such Distribution Date setting forth:
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(i) (A) the amount of the distribution made on such
Distribution Date to the Holders of each Class of Regular Certificates,
separately identified, allocable to principal and (B) the amount of the
distribution made on such Distribution Date to the Holders of the Class P
Certificates allocable to Prepayment Charges;
(ii) the amount of the distribution made on such Distribution
Date to the Holders of each Class of Regular Certificates (other than the Class
P Certificates) allocable to interest, separately identified;
(iii) the Pass-Through Rate on each Class of Regular
Certificates (other than the Class P Certificates) for such Distribution Date;
(iv) the aggregate amount of Advances for such Distribution
Date;
(v) the number and aggregate Stated Principal Balance of the
Mortgage Loans as of the end of the related Due Period;
(vi) the Overcollateralized Amount, the Overcollateralization
Deficiency Amount and the Overcollateralization Target Amount for such
Distribution Date;
(vii) the aggregate Certificate Principal Balance or Notional
Amount, as applicable, of each Class of Regular Certificates after giving effect
to the amounts distributed on such Distribution Date (in the case of each Class
of the Class M Certificates, separately identifying any reduction thereof due to
the allocation of Realized Losses thereto);
(viii) the number and aggregate Stated Principal Balance of
Mortgage Loans (a) delinquent 31 to 60 days, (b) delinquent 61 to 90 days, (c)
delinquent 91 days or more, in each case as of the end of the calendar month
prior to such Distribution Date;
(ix) the number, aggregate principal balance and book value of
any REO Properties as of the close of business on the last day of the calendar
month preceding the month in which such Distribution Date occurs;
(x) the weighted average remaining term to maturity, weighted
average Mortgage Rate and weighted average Net Mortgage Rate of the Mortgage
Loans as of the close of business on the first day of the calendar month in
which such Distribution Date occurs;
(xi) the aggregate amount of Principal Prepayments made during
the related Prepayment Period;
(xii) the aggregate amount of Realized Losses incurred during
the related Prepayment Period and the cumulative amount of Realized Losses;
(xiii) the aggregate amount of extraordinary Trust Fund
expenses withdrawn from the Custodial Account or the Certificate Account for
such Distribution Date;
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(xiv) the aggregate amount of any Prepayment Interest
Shortfalls for such Distribution Date, to the extent not covered by payments by
the Servicer or Master Servicer pursuant to Section 3.17, and the aggregate
amount of Relief Act Interest Shortfalls for such Distribution Date;
(xv) the Accrued Certificate Interest in respect of each Class
of the Class A Certificates, Class M Certificates and Class C Certificates for
such Distribution Date and the Unpaid Interest Shortfall Amount, if any, with
respect to each Class of the Class A Certificates and Class M Certificates for
such Distribution Date;
(xvi) (A) the Overcollateralization Target Amount, (B) the
Overcollateralized Amount and (C) the amount, if any, by which the
Overcollateralization Target Amount exceeds the Overcollateralized Amount, in
each case after giving effect to the distribution made on the Regular
Certificates on such Distribution Date;
(xvii) the aggregate amount of the Master Servicer Fee
received by the Master Servicer with respect to the related Due Period and such
other customary information as the Securities Administrator deems necessary or
desirable, or which a Certificateholder reasonably requests, to enable
Certificateholders to prepare their tax returns;
(xviii) the aggregate of any deposits to and withdrawals from
the Basis Risk Shortfall Reserve Fund for such Distribution Date and the
remaining amount on deposit in the Basis Risk Shortfall Reserve Fund after such
deposits and withdrawals; and
(xix) the Available Distribution Amount for such Distribution
Date.
In the case of information furnished pursuant to subclauses (i) and
(ii) above, the amounts shall also be expressed as a dollar amount per Single
Certificate.
On each Distribution Date the Securities Administrator shall provide
Bloomberg Financial Markets, L.P. ("Bloomberg") CUSIP level factors for each
Class of Certificates as of such Distribution Date, using a format and media
mutually acceptable to the Trustee and Bloomberg.
The information set forth above shall be calculated or reported, as the
case may be, by the Securities Administrator, based solely on, and to the extent
of, information provided to the Securities Administrator by the Master Servicer.
The Securities Administrator may conclusively rely on such information and shall
not be required to confirm, verify or recalculate any such information.
The Securities Administrator may make available each month, to any
interested party, the monthly statement to Certificateholders and the NIMS
Insurer via the Securities Administrator's website initially located at
"xxx.xxxxxxx.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 Securities
Administrator's customer service desk and indicating such. The Securities
Administrator shall have the right to change the way such reports are
distributed in order
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to make such distribution more convenient and/or more accessible to the parties,
and the Securities Administrator shall provide timely and adequate notification
to all parties regarding any such change.
Within a reasonable period of time after the end of each calendar year,
the Securities Administrator shall prepare and forward, to each Person who at
any time during the calendar year was a Holder of a Certificate, a statement
containing the information set forth in subclauses (i) and (ii) above,
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 and regulations
thereunder as from time to time are in force.
Within a reasonable period of time after the end of each calendar year,
the Securities Administrator shall prepare and forward, to each Person who at
any time during the calendar year was a Holder of a Class R Certificate a
statement containing the information provided pursuant to the previous paragraph
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 are
in force.
Section 4.03. Remittance Reports; Advances by the Master Servicer.
(a) On the Business Day following each Determination Date but in no
event later than the earlier of (i) such date which would allow the indenture
trustee to submit a claim to the NIMS Insurer under the Indenture so as to allow
a timely payment by the NIMS Insurer under the insurance policy related to the
notes insured by the NIMS Insurer and (ii) the 20th day of each month (or if
such 20th day is not a Business Day, the preceding Business Day), the Master
Servicer shall deliver to the Securities Administrator and the NIMS Insurer a
report, prepared as of the close of business on the Determination Date (the
"Remittance Report"), in the form of an electromagnetic tape or disk. The
Remittance Report and any written information supplemental thereto shall include
such information with respect to the Mortgage Loans that is required by the
Securities Administrator for purposes of making the calculations and preparing
the statement described in Sections 4.01 and 4.02, as set forth in written
specifications or guidelines issued by the Securities Administrator from time to
time. The Trustee shall have no obligation to recompute, recalculate or verify
any information provided to it by the Master Servicer.
(b) If the scheduled payment on a Mortgage Loan that was due on a
related Due Date is delinquent, other than as a result of application of the
Relief Act, and for which the related Servicer was required to make an advance
pursuant to the related Servicing Agreement exceeds the amount deposited in the
Custodial Account which will be used for an advance with respect to such
Mortgage Loan, the Master Servicer will deposit in the Custodial Account not
later than the Certificate Account Deposit Date immediately preceding the
related Distribution Date an amount equal to such deficiency, net of the
Servicing Fee for such Mortgage Loan except to the extent the Master Servicer
determines any such advance to be a Nonrecoverable Advance. Subject to the
foregoing, the Master
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Servicer shall continue to make such advances through the date that the related
Servicer is required to do so under its Servicing Agreement. If the Master
Servicer deems an advance to be a Nonrecoverable Advance, on the Certificate
Account Deposit Date, the Master Servicer shall present an Officer's Certificate
to the Trustee and the NIMS Insurer (i) stating that the Master Servicer elects
not to make a Monthly Advance in a stated amount and (ii) detailing the reason
it deems the advance to be a Nonrecoverable Advance.
(c) The Master Servicer shall deposit in the Custodial Account not
later than each Certificate Account Deposit Date an amount equal to the lesser
of (i) the sum of the aggregate amounts required to be paid by the Servicers
under the Servicing Agreements with respect to subclauses (a) and (b) of the
definition of Interest Shortfall with respect to the Mortgage Loans for the
related Distribution Date, and not so paid by the related Servicer and (ii) the
Master Servicer Fees for such Distribution Date (such amount, the "Compensating
Interest Payment"). The Master Servicer shall not be entitled to any
reimbursement of any Compensating Interest Payment.
Section 4.04. Distributions on the REMIC Regular Interests.
(a) On each Distribution Date, the Securities Administrator shall cause
the Available Distribution Amount, in the following order of priority, to be
distributed by REMIC 1 to REMIC 2 on account of the REMIC 1 Regular Interests or
withdrawn from the Certificate Account and distributed to the Holders of the
Class R Certificates (in respect of the Class R-1 Interest), as the case may be:
(i) to Holders of REMIC 1 Regular Interest LT-AA, REMIC 1 Regular
Interest LT-A1, REMIC 1 Regular Interest LT-A2, REMIC 1 Regular Interest LT-M1,
REMIC 1 Regular Interest LT- M2, REMIC 1 Regular Interest LT-M3, REMIC 1 Regular
Interest LT-M4, REMIC 1 Regular Interest LT-M5, REMIC 1 Regular Interest LT-M6,
REMIC 1 Regular Interest LT-M7, REMIC 1 Regular Interest LT-M8 and REMIC 1
Regular Interest LT-ZZ and REMIC 1 Regular Interest LT-P, PRO RATA, in an amount
equal to
(A) the related Uncertificated Accrued Interest for such
Distribution Date, plus
(B) any amounts in respect thereof remaining unpaid from
the previous Distribution Dates.
Amounts payable as Uncertificated Accrued Interest in respect of REMIC 1 Regular
Interest LT-ZZ shall be reduced when the REMIC 1 Overcollateralized Amount is
less than the REMIC 1 Overcollateralization Target Amount, by the lesser of (x)
the amount of such difference and (y) the Maximum Uncertificated Accrued
Interest Deferral Amount, and such amount will be payable to the Holders of
REMIC 1 Regular Interest LT-A1, REMIC 1 Regular Interest LT-A2, REMIC 1 Regular
Interest LT-M1, REMIC 1 Regular Interest LT-M2, REMIC 1 Regular Interest LT-M3,
REMIC 1 Regular Interest LT-M4, REMIC 1 Regular Interest LT-M5, REMIC 1 Regular
Interest LT-M6, REMIC 1 Regular Interest LT-M7 and REMIC 1 Regular Interest
LT-M8 in the same proportion as the Overcollateralization Deficiency Amount is
allocated to the Corresponding Certificates, and the Uncertificated Principal
Balance of REMIC 1 Regular Interest LT-ZZ shall be increased by such
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amount;
(ii) to the Holders of REMIC 1 Regular Interest LT-P, (A) on each
Distribution Date, 100% of the amount paid in respect of Prepayment Charges and
(B) on the Distribution Date immediately following the expiration of the latest
Prepayment Charge as identified on the Prepayment Charge Schedule or any
Distribution Date thereafter until $100 has been distributed pursuant to this
clause;
(iii) to the Holders of the REMIC 1 Regular Interests, in an amount
equal to the remainder of the Available Funds for such Distribution Date after
the distributions made pursuant to clauses (i) and (ii) above, allocated as
follows:
(A) to the Holders of REMIC 1 Regular Interest LT-AA, 98%
of such remainder, until the Uncertificated Principal
Balance of such Uncertificated REMIC 1 Regular
Interest is reduced to zero;
(B) to the REMIC 1 Regular Interest LT-A1, REMIC 1
Regular Interest LT-A2, REMIC 1 Regular Interest
LT-M1, REMIC 1 Regular Interest LT-M2, REMIC 1
Regular Interest LT-M3, REMIC 1 Regular Interest
LT-M4, REMIC 1 Regular Interest LT-M5, REMIC 1
Regular Interest LT-M6, REMIC 1 Regular Interest
LT-M7and REMIC 1 Regular Interest LT-M8, 1% of such
remainder, in the same proportion as principal
payments are allocated to the Corresponding
Certificates, until the Uncertificated Principal
Balances of such REMIC 2 Regular Interests are
reduced to zero;
(C) to the Holders of REMIC 1 Regular Interest LT-ZZ, 1%
of such remainder, until the Uncertificated Principal
Balance of such REMIC 1 Regular Interest is reduced
to zero; and
(D) any remaining amount to the Holders of the Class R
Certificates (in respect of the Class R-1 Interest);
provided, however, that 98% and 2% of any principal payments shall be allocated
to Holders of REMIC 1 Regular Interest LT-AA and REMIC 1 Regular Interest LT-ZZ,
respectively, once the Uncertificated Principal Balances of REMIC 1 Regular
Interest LT-A1, REMIC 1 Regular Interest LT-A2, REMIC 1 Regular Interest LT-M1,
REMIC 1 Regular Interest LT-M2, REMIC 1 Regular Interest LT-M3, REMIC 1 Regular
Interest LT-M4, REMIC 1 Regular Interest LT-M5, REMIC 1 Regular Interest LT-M6,
REMIC 1 Regular Interest LT-M7 and REMIC 1 Regular Interest LT-M8 have been
reduced to zero.
Section 4.05. Allocation of Realized Losses.
(a) All Realized Losses on the Mortgage Loans shall be allocated by the
Securities Administrator on each Distribution Date as follows: first, to Net
Monthly Excess Cashflow, through a distribution of the Extra Principal
Distribution Amount for that Distribution Date; second, to the
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Overcollateralized Amount by a reduction of the Certificate Principal Balance of
the Class C Certificates, until the Certificate Principal Balance thereof has
been reduced to zero; third, to the Class M-8 Certificates, until the
Certificate Principal Balance thereof has been reduced to zero; fourth, to the
Class M-7 Certificates, until the Certificate Principal Balance thereof has been
reduced to zero; fifth, to the Class M-6 Certificates, until the Certificate
Principal Balance thereof has been reduced to zero; sixth, to the Class M-5
Certificates, until the Certificate Principal Balance thereof has been reduced
to zero; seventh, to the Class M-4 Certificates, until the Certificate Principal
Balance thereof has been reduced to zero; eighth, to the Class M-3 Certificates,
until the Certificate Principal Balance thereof has been reduced to zero; ninth,
to the Class M-2 Certificates, until the Certificate Principal Balance thereof
has been reduced to zero; tenth, to the Class M-1 Certificates, until the
Certificate Principal Balance thereof has been reduced to zero; and eleventh, to
the Class A-2 Certificates, until the Certificate Principal Balance thereof has
been reduced to zero. All Realized Losses to be allocated to the Certificate
Principal Balances of all Classes on any Distribution Date shall be so allocated
after the actual distributions to be made on such date as provided above. All
references above to the Certificate Principal Balance of any Class of
Certificates shall be to the Certificate Principal Balance of such Class
immediately prior to the relevant Distribution Date, before reduction thereof by
any Realized Losses, in each case to be allocated to such Class of Certificates,
on such Distribution Date.
Any allocation of Realized Losses to a Class A-2 Certificates and Class
M Certificate on any Distribution Date shall be made by reducing the Certificate
Principal Balance thereof by the amount so allocated. Any allocation of Realized
Losses to a Class C Certificate shall be made by (i) FIRST, reducing the amount
otherwise payable in respect thereof pursuant to Section 4.01(c)(viii), and (ii)
SECOND, by reducing the Certificate Principal Balance thereof by the amount so
allocated. No allocations of any Realized Losses shall be made to the
Certificate Principal Balances of the Class A-1 Certificates or the Class P
Certificates.
All Realized Losses on the Mortgage Loans shall be allocated by the
Securities Administrator on each Distribution Date as follows: first to
Uncertificated Accrued Interest payable to the REMIC 1 Regular Interest LT-AA
and REMIC 1 Regular Interest LT-ZZ up to an aggregate amount equal to the REMIC
1 Interest Loss Allocation Amount, 98% and 2% respectively; second, to the
Uncertificated Principal Balances of REMIC 1 Regular Interest LT-AA and REMIC 1
Regular Interest LT-ZZ up to an aggregate amount equal to the REMIC 1 Principal
Loss Allocation Amount, 98% and 2%, respectively; third, to the Uncertificated
Principal Balances of REMIC 1 Regular Interest LT-AA, REMIC 1 Regular Interest
LT-M8 and REMIC 1 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until
the Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M8 has been
reduced to zero; fourth, to the Uncertificated Principal Balances of REMIC 1
Regular Interest LT-AA, REMIC 1 Regular Interest LT-M7 and REMIC 1 Regular
Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal
Balance of REMIC 1 Regular Interest LT-M7 has been reduced to zero; fifth, to
the Uncertificated Principal Balances of REMIC 1 Regular Interest LT-AA, REMIC 1
Regular Interest LT-M6 and REMIC 1 Regular Interest LT-ZZ, 98%, 1% and 1%,
respectively, until the Uncertificated Principal Balance of REMIC 1 Regular
Interest LT-M6 has been reduced to zero; sixth, to the Uncertificated Principal
Balances of REMIC 1 Regular Interest LT-AA, REMIC 1 Regular Interest LT-M5 and
REMIC 1 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M5 has
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been reduced to zero; seventh, to the Uncertificated Principal Balances of REMIC
1 Regular Interest LT-AA, REMIC 1 Regular Interest LT-M4 and REMIC 1 Regular
Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal
Balance of REMIC 1 Regular Interest LT-M4 has been reduced to zero; eighth, to
the Uncertificated Principal Balances of REMIC 1 Regular Interest LT-AA, REMIC 1
Regular Interest LT-M3 and REMIC 1 Regular Interest LT-ZZ, 98%, 1% and 1%,
respectively, until the Uncertificated Principal Balance of REMIC 1 Regular
Interest LT-M3 has been reduced to zero; ninth, to the Uncertificated Principal
Balances of REMIC 1 Regular Interest LT-AA, REMIC 1 Regular Interest LT-M2 and
REMIC 1 Regular Interest LT-ZZ, 98%, 1% and 1%, respectively, until the
Uncertificated Principal Balance of REMIC 1 Regular Interest LT-M2 has been
reduced to zero; tenth, to the Uncertificated Principal Balances of REMIC 1
Regular Interest LT-AA, REMIC 1 Regular Interest LT-M1 and REMIC 1 Regular
Interest LT-ZZ, 98%, 1% and 1%, respectively, until the Uncertificated Principal
Balance of REMIC 1 Regular Interest LT-M1 has been reduced to zero and eleventh,
to the Uncertificated Principal Balances of REMIC 1 Regular Interest LT-AA,
REMIC 1 Regular Interest LT-A2 and REMIC 1 Regular Interest LT-ZZ, 98%, 1% and
1%, respectively, until the Uncertificated Principal Balance of REMIC 1 Regular
Interest LT-A2 has been reduced to zero.
Section 4.06. Information Reports to Be Filed by the Servicer.
The Servicer shall file information reports with respect, to the extent
set forth in the Servicing Agreements, to the receipt of mortgage interest
received in a trade or business, foreclosures and abandonments of any Mortgaged
Property and the information returns relating to cancellation of indebtedness
income with respect to any Mortgaged Property required by Sections 6050H, 6050J
and 6050P of the Code, respectively, and deliver to the Securities Administrator
an Officers' Certificate stating that such reports have been filed. Such reports
shall be in form and substance sufficient to meet the reporting requirements
imposed by such Sections 6050H, 6050J and 6050P of the Code.
Section 4.07. Compliance with Withholding Requirements.
Notwithstanding any other provision of this Agreement the Securities
Administrator shall comply with all federal withholding requirements respecting
payments to Certificateholders of interest or original issue discount on the
Mortgage Loans, that the Securities Administrator reasonably believes are
applicable under the Code. The consent of Certificateholders shall not be
required for such withholding. In the event the Securities Administrator
withholds any amount from interest or original issue discount payments or
advances thereof to any Certificateholder pursuant to federal withholding
requirements, the Securities Administrator shall, together with its monthly
report to such Certificateholders pursuant to Section 4.02 hereof, indicate such
amount withheld.
Section 4.08. Basis Risk Shortfall Reserve Fund.
(a) On the Closing Date, the Securities Administrator shall
establish and maintain in its name, in trust for the benefit of Offered
Certificates, the Basis Risk Shortfall Reserve Fund.
(b) On each Distribution Date, the Securities Administrator shall
transfer from the Certificate Account to the Basis Risk Shortfall Reserve Fund
the amounts specified pursuant to
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Sections 4.01(c)(iv) and (f)(1). On each Distribution Date, to the extent
required, the Securities Administrator shall make withdrawals from the Basis
Risk Shortfall Reserve Fund and use the amounts in the Basis Risk Shortfall
Reserve Fund to make distributions to the Offered Certificates in an amount
equal to the amount of any Basis Risk Shortfall Carry-Forward Amount on such
Certificates. Any such amounts shall be distributed first, concurrently to the
Class A-1 and Class A-2 Certificates, and second, sequentially to the Class X-0,
Xxxxx X-0, Class M-3, Class M-4, Class M- 5, Class M-6, Class M-7 and Class M-8
Certificates, in that order, in each case until the related Basis Risk Shortfall
Carry-Forward Amount has been reduced to zero. Any such amounts transferred
shall be treated for federal tax purposes as amounts distributed by REMIC 2 to
the Holders of the Class C Certificates. On the 30th Distribution Date, after
the distributions described in the preceding sentence, the Securities
Administrator shall withdraw from the Basis Risk Shortfall Reserve Fund (to the
extent of funds available on deposit therein) any remaining amounts and
distribute them to the Holders of the Class C Certificates, not in respect of
any REMIC.
(c) The Basis Risk Shortfall Reserve Fund shall be an Eligible Account.
Amounts held in the Basis Risk Shortfall Reserve Fund from time to time shall
continue to constitute assets of the Trust Fund, but not of the REMICs, until
released from the Basis Risk Shortfall Reserve Fund pursuant to this Section
4.08. The Basis Risk Shortfall Reserve Fund constitutes an "outside reserve
fund" within the meaning of Treasury Regulation ss. 1.860G-2(h) and is not an
asset of any REMIC. The Holders of the Class C Certificates shall be the owner
of the Basis Risk Shortfall Reserve Fund. The Securities Administrator shall
keep records that accurately reflect the funds on deposit in the Basis Risk
Shortfall Reserve Fund. The Securities Administrator shall, at the written
direction of the holder of the Majority Class C Certificateholder, invest
amounts on deposit in the Basis Risk Shortfall Reserve Fund in Permitted
Investments. In the absence of written direction to the Securities Administrator
from the Majority Class C Certificateholder, all funds in the Basis Risk
Shortfall Reserve Fund shall remain uninvested. On each Distribution Date, the
Securities Administrator shall distribute, not in respect of any REMIC, any
interest earned on the Basis Risk Shortfall Reserve Fund to the Holders of the
Class C Certificates.
(d) For federal tax return and information reporting, the value of the
right of the Holders of the Offered Certificates to receive payments from the
reserve fund in respect of any Basis Risk Shortfall Carry-Forward Amount will be
$5,000. Such information will be provided to the Trustee by the Underwriter on
or prior to the Closing Date.
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ARTICLE V
THE CERTIFICATES
Section 5.01. The Certificates.
(a) The Certificates will be substantially in the respective forms
annexed hereto as Exhibits A and B-1 through B-4. The Certificates will be
issuable in registered form only. The Certificates (other than the Class P
Certificates, the Class C Certificates and the Class R Certificates) will be
issued in minimum denominations of $25,000 Initial Certificate Principal Balance
and integral multiples of $1 in excess thereof. The Class C Certificates will be
issued in minimum denominations of $1.00 Initial Notional Amount and integral
multiples of $1.00 in excess thereof. The Class P Certificates and the Class R
Certificates will each be issuable in minimum denominations of any Percentage
Interest representing 20.00% and multiples of 0.01% in excess thereof.
Upon original issue, the Certificates shall, upon the written request
of the Company executed by an officer of the Company, be executed and delivered
by the Securities Administrator, authenticated by the Securities Administrator
and delivered to or upon the order of the Company upon receipt by the Securities
Administrator of the documents specified in Section 2.01. The Certificates shall
be executed by manual or facsimile signature on behalf of the Securities
Administrator by a Responsible Officer. Certificates bearing the manual or
facsimile signatures of individuals who were at the time they signed the proper
officers of the Securities Administrator shall bind the Securities
Administrator, notwithstanding that such individuals or any of them have ceased
to hold such offices prior to the authentication and delivery of such
Certificates or did not hold such offices at the date of such Certificates. No
Certificate shall be entitled to any benefit under this Agreement, or be valid
for any purpose, unless there appears on such Certificate a certificate of
authentication substantially in the form provided for herein executed by the
Securities Administrator by manual signature, and such certificate upon any
Certificate shall be conclusive evidence, and the only evidence, that such
Certificate has been duly authenticated and delivered hereunder. All
Certificates issued on the Closing Date shall be dated the Closing Date and any
Certificates delivered thereafter shall be dated the date of their
authentication.
(b) The Class A Certificates and the Class M Certificates shall
initially be issued as one or more Certificates registered in the name of the
Company or its nominee and, except as provided below, registration of such
Certificates may not be transferred by the Securities Administrator except to
another Company that agrees to hold such Certificates for the respective
Certificate Owners with Ownership Interests therein. The Certificate Owners
shall hold their respective Ownership Interests in and to each of such
Book-Entry Certificates through the book-entry facilities of the Company and,
except as provided below, shall not be entitled to Definitive Certificates in
respect of such Ownership Interests. All transfers by Certificate Owners of
their respective Ownership Interests in the Book-Entry Certificates shall be
made in accordance with the procedures established by the Company Participant or
brokerage firm representing such Certificate Owner. Each Company Participant
shall transfer the Ownership Interests only in the Book-Entry Certificates of
Certificate Owners it represents or of brokerage firms for which it acts as
agent in accordance with the
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Company's normal procedures. The Securities Administrator shall not be required
to monitor, determine or inquire as to compliance with the transfer restrictions
with respect to the Book-Entry Certificates, and the Securities Administrator
shall have no liability for transfers of Ownership Interests in the Book Entry
Certificates made through the book-entry facilities of the Depositary or between
or among Depositary Participants or Certificate Owners, made in violation of the
applicable restrictions.
The Trustee, the Securities Administrator, the Master Servicer and the
Company may for all purposes (including the making of payments due on the
respective Classes of Book-Entry Certificates) deal with the Company as the
authorized representative of the Certificate Owners with respect to the
respective Classes of Book-Entry Certificates for the purposes of exercising the
rights of Certificateholders hereunder. The rights of Certificate Owners with
respect to the respective Classes of Book-Entry Certificates shall be limited to
those established by law and agreements between such Certificate Owners and the
Company Participants and brokerage firms representing such Certificate Owners.
Multiple requests and directions from, and votes of, the Company as Holder of
any Class of Book-Entry Certificates with respect to any particular matter shall
not be deemed inconsistent if they are made with respect to different
Certificate Owners. The Securities Administrator may establish a reasonable
record date in connection with solicitations of consents from or voting by
Certificateholders and shall give notice to the Company of such record date.
If (i)(A) the Company advises the Securities Administrator in writing
that the Company is no longer willing or able to properly discharge its
responsibilities as Company and (B) the Company is unable to locate a qualified
successor or (ii) the Company at its option advises the Securities Administrator
in writing that it elects to terminate the book-entry system through the
Company, the Securities Administrator shall notify all Certificate Owners,
through the Company, of the occurrence of any such event and of the availability
of Definitive Certificates to Certificate Owners requesting the same. Upon
surrender to the Securities Administrator of the Book-Entry Certificates by the
Company, accompanied by registration instructions from the Company for
registration of transfer, the Securities Administrator shall, at the expense of
the Company, issue the Definitive Certificates. Neither the Company, the Master
Servicer nor the Securities Administrator shall be liable for any actions taken
by the Company or its nominee, including, without limitation, any delay in
delivery of such instructions and may conclusively rely on, and shall be
protected in relying on, such instructions. Upon the issuance of Definitive
Certificates the Trustee, the Securities Administrator and the Master Servicer
shall recognize the Holders of the Definitive Certificates as Certificateholders
hereunder.
(c) Each Certificate is intended to be a "security" governed by Article
8 of the Uniform Commercial Code as in effect in the State of New York and any
other applicable jurisdiction, to the extent that any of such laws may be
applicable.
Section 5.02. Registration of Transfer and Exchange of Certificates.
(a) The Securities Administrator shall maintain a Certificate Register
in which, subject 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.
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(b) Except as provided in Section 5.02(c), no transfer, sale, pledge or
other disposition of a Class P, Class C or Class R Certificate shall be made
unless such transfer, sale, pledge or other disposition is exempt from the
registration requirements of the Securities Act of 1933, as amended (the "Act"),
and any applicable state securities laws or is made in accordance with said Act
and laws. In the event that a transfer of a Class P, Class C or Class R
Certificate is to be made under this Section 5.02(b), (i) the Securities
Administrator shall require an Opinion of Counsel acceptable to and in form and
substance satisfactory to the Securities Administrator that such transfer shall
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from said Act and laws or is being made pursuant to said Act and
laws, which Opinion of Counsel shall not be an expense of the Securities
Administrator, the Trustee, the Company or the Master Servicer, provided that
such Opinion of Counsel will not be required in connection with the initial
transfer of any such Certificate by the Company or any affiliate thereof, to a
non-affiliate of the Company and (ii) the Securities Administrator shall require
the transferee to execute a representation letter, substantially in the form of
Exhibit G-1 hereto, and the Securities Administrator shall require the
transferor to execute a representation letter, substantially in the form of
Exhibit G-2 hereto, each acceptable to and in form and substance satisfactory to
the Securities Administrator certifying to the Company and the Securities
Administrator the facts surrounding such transfer, which representation letters
shall not be an expense of the Securities Administrator, the Trustee, the
Company or the Master Servicer; PROVIDED, HOWEVER, that such representation
letters will not be required in connection with any transfer of any such
Certificate by the Company to an affiliate of the Company and the Securities
Administrator shall be entitled to conclusively rely upon a representation
(which, upon the request of the Securities Administrator, shall be a written
representation) from the Company of the status of such transferee as an
affiliate of the Company. Any such Certificateholder desiring to effect such
transfer shall, and does hereby agree to, indemnify the Securities
Administrator, the Trustee, the Company 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 applicable federal and state laws.
(c) Notwithstanding the requirements of Section 5.02(b), transfers of
Class P, Class C and Class R Certificates may be made in accordance with this
Section 5.02(c) if the prospective transferee of a Certificate provides the
Securities Administrator and the Company with an investment letter substantially
in the form of Exhibit G-3 attached hereto, which investment letter shall not be
an expense of the Securities Administrator, the Trustee, the Company or the
Master Servicer, and which investment letter states that, among other things,
such transferee is a "qualified institutional buyer" as defined under Rule 144A.
Such transfers shall be deemed to have complied with the requirements of Section
5.02(b) hereof; PROVIDED, HOWEVER, that no Transfer of any of the Class P
Certificates, Class C Certificates or Class R Certificates may be made pursuant
to this Section 5.02(c) by the Company. Any such Certificateholder desiring to
effect such transfer shall, and does hereby agree to, indemnify the Securities
Administrator, the Trustee, the Company 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 applicable federal and state laws.
The Securities Administrator shall require an Opinion of Counsel, on
which the Securities Administrator, the Trustee, Company, Master Servicer or the
NIMS Insurer may rely, from a prospective transferee prior to the transfer of
any Class P, Class C or Class R Certificate to any
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employee benefit plan or other retirement arrangement, including individual
retirement accounts and Xxxxx plans, that is subject to the Employee Retirement
Income Security Act of 1974, as amended ("ERISA") or Section 4975 of the Code
(any of the foregoing, a "Plan"), to a trustee or other Person acting on behalf
of any Plan, or to any other person who is using "plan assets" of any Plan to
effect such acquisition (including any insurance company using funds in its
general or separate accounts that may constitute "plan assets"). Such Opinion of
Counsel must establish to the satisfaction of the Securities Administrator that
such transfer is permissible under applicable law, will not constitute or result
in a prohibited transaction under Section 406 of ERISA and Section 4975 of the
Code, and will not subject the Securities Administrator, the Trustee, the Master
Servicer, the Company or the NIMS Insurer to any obligation in addition to those
undertaken in this Agreement. None of the Company, the Master Servicer,
Securities Administrator, the Trustee or the NIMS Insurer will be required to
obtain such Opinion of Counsel on behalf of any prospective transferee.
Each beneficial owner of a Class M 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 a
trustee or other Person acting on behalf of a Plan or using "plan assets" of a
Plan to effect such acquisition (including any insurance company using funds in
its general separate accounts that may constitute "plan assets", (ii) it has
acquired and is holding such certificate in reliance on Prohibited Transaction
Exemption 2002-41 as amended from time to time (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 Ratings 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 Prohibited Transaction Class Exemption ("PTCE") 95-60, and (3) the
conditions in Sections I and III of PTCE 95-60 have been satisfied.
(d) [Reserved]
(e) (i) Each Person who has or who acquires any Ownership Interest in a
Class R Certificate shall be deemed by the acceptance or acquisition of such
Ownership Interest to have agreed to be bound by the following provisions and to
have irrevocably authorized the Trustee or its designee under clause (iii)(A)
below to deliver payments to a Person other than such Person and to negotiate
the terms of any mandatory sale under clause (iii)(B) below and to execute all
instruments of transfer and to do all other things necessary in connection with
any such sale. The rights of each Person acquiring any Ownership Interest in a
Class R Certificate are expressly subject to the following provisions:
(A) Each Person holding or acquiring any Ownership Interest in
a Class R 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.
(B) In connection with any proposed Transfer of any Ownership
Interest in a Class R Certificate, the Securities Administrator shall require
delivery to it, and shall not register the Transfer of any Class R Certificate
until its receipt of (I) an affidavit and agreement (a "Transfer
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Affidavit and Agreement" in the form attached hereto as Exhibit G-5) from the
proposed Transferee, in form and substance satisfactory to the Securities
Administrator representing and warranting, among other things, that it is a
Permitted Transferee, that it is not acquiring its Ownership Interest in the
Class R Certificate that is the subject of the proposed Transfer as a nominee,
trustee or agent for any Person who is not a Permitted Transferee, that for so
long as it retains its Ownership Interest in a Class R Certificate, it will
endeavor to remain a Permitted Transferee, and that it has reviewed the
provisions of this Section 5.02 and agrees to be bound by them, and (II) a
certificate, in the form attached hereto as Exhibit G-4, from the Holder wishing
to transfer the Class R Certificate, in form and substance satisfactory to the
Securities Administrator representing and warranting, among other things, that
no purpose of the proposed Transfer is to impede the assessment or collection of
tax.
(C) Notwithstanding the delivery of a Transfer Affidavit and
Agreement by a proposed Transferee under clause (B) above, if a Responsible
Officer of the Securities Administrator assigned to this transaction has actual
knowledge that the proposed Transferee is not a Permitted Transferee, no
Transfer of an Ownership Interest in a Class R Certificate to such proposed
Transferee shall be effected.
(D) Each Person holding or acquiring any Ownership Interest in
a Class R Certificate shall agree (x) to require a Transfer Affidavit and
Agreement from any other Person to whom such Person attempts to transfer its
Ownership Interest in a Class R Certificate and (y) not to transfer its
Ownership Interest unless it provides a certificate to the Securities
Administrator in the form attached hereto as Exhibit G-4.
(E) Each Person holding or acquiring an Ownership Interest in
a Class R Certificate, by purchasing an Ownership Interest in such Certificate,
agrees to give the Securities Administrator written notice that it is a
"pass-through interest holder" within the meaning of Temporary Treasury
Regulations Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring an Ownership
Interest in a Class R Certificate, if it is "a pass-through interest holder", or
is holding an Ownership Interest in a Class R Certificate on behalf of a
"pass-through interest holder."
(ii) The Securities Administrator will register the Transfer of any
Class R Certificate only if it shall have received the Transfer Affidavit and
Agreement in the form attached hereto as Exhibit G-5, a certificate of the
Holder requesting such transfer in the form attached hereto as Exhibit G-4 and
all of such other documents as shall have been reasonably required by the
Securities Administrator as a condition to such registration. Transfers of the
Class R Certificates other than to Permitted Transferees are prohibited.
(iii) (A) If any Person other than a Permitted Transferee shall become
a Holder of a Class R Certificate, then the last preceding Permitted Transferee
shall be restored, to the extent permitted by law, to all rights and obligations
as Holder thereof retroactive to the date of registration of such Transfer of
such Class R Certificate. If a Non-United States Person shall become a Holder of
a Class R Certificate, then the last preceding Permitted Transferee shall be
restored, to the extent permitted by law, to all rights and obligations as
Holder thereof retroactive to the date of registration of such Transfer of such
Class R Certificate. If a transfer of a Class R Certificate is disregarded
pursuant to the provisions of Treasury Regulations Section 1.860E-1 or Section
1.860G-3, then the last
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preceding Permitted Transferee shall be restored, to the extent permitted by
law, to all rights and obligations as Holder thereof retroactive to the date of
registration of such transfer of such Class R Certificate. The prior Holder
shall be entitled to recover from any purported Holder of a Class R Certificate
that was in fact not a Permitted Transferee under this Section 5.05(b) at the
time it became a Holder all payments made on such Class R Certificate. Each
Holder of a Class R Certificate, by acceptance thereof, shall be deemed for all
purposes to have consented to the provisions of this clause (b) and to any
amendment of this Agreement deemed necessary (whether as a result of new
legislation or otherwise) by counsel of the Company to ensure that the Class R
Certificates are not transferred to any Person who is not a Permitted Transferee
and that any transfer of such Class R Certificates will not cause the imposition
of a tax upon the Trust or cause any such REMIC to fail to qualify as a REMIC.
The Securities Administrator shall be under no liability to any Person for any
registration of Transfer of a Class R Certificate that is in fact not permitted
by this Section 5.02 or for making any payments due on such Certificate to the
Holder thereof or for taking any other action with respect to such Holder under
the provisions of this Agreement.
(B) If any purported Transferee shall become a Holder of a
Class R Certificate in violation of the restrictions in this Section 5.02 and to
the extent that the retroactive restoration of the rights of the Holder of such
Class R Certificate as described in clause (iii)(A) above shall be invalid,
illegal or unenforceable, then the Securities Administrator shall have the
right, without notice to the Holder or any prior Holder of such Class R
Certificate, to sell such Class R Certificate to a purchaser selected by the
Securities Administrator on such terms as the Securities Administrator may
choose. Such purported Transferee shall promptly endorse and deliver each Class
R Certificate in accordance with the instructions of the Securities
Administrator. Such purchaser may be the Securities Administrator itself. The
proceeds of such sale, net of the commissions (which may include commissions
payable to the Securities Administrator), expenses and taxes due, if any, will
be remitted by the Securities Administrator to such purported Transferee. The
terms and conditions of any sale under this clause (iii)(B) shall be determined
in the sole discretion of the Securities Administrator, and the Securities
Administrator shall not be liable to any Person having an Ownership Interest in
a Class R Certificate as a result of its exercise of such discretion.
(iv) The Securities Administrator shall make available to the Internal
Revenue Service and those Persons specified by the REMIC Provisions, all
information necessary to compute any tax imposed (A) as a result of the transfer
of an ownership interest in a Class R Certificate to any Person who is a
Disqualified Organization, including the information regarding "excess
inclusions" of such Class R Certificates required to be provided to the Internal
Revenue Service and certain Persons as described in Treasury Regulations
Sections 1.860D-1(b)(5) and 1.860E-2(a)(5), and (B) as a result of any regulated
investment company, real estate investment trust, common trust fund,
partnership, trust, estate or organization described in Section 1381 of the Code
that holds an Ownership Interest in a Class R Certificate having as among its
record Holders at any time any Person who is a Disqualified Organization. The
Securities Administrator may charge and shall be entitled to reasonable
compensation for providing such information as may be required from those
Persons which may have had a tax imposed upon them as specified in clauses (A)
and (B) of this paragraph for providing such information.
(v) Subject to the preceding paragraphs, upon surrender for
registration of transfer of any
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Certificate at the office of the Securities Administrator maintained for such
purpose, the Securities Administrator shall execute and 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 of a
like aggregate Percentage Interest. Every Certificate surrendered for transfer
shall be accompanied by notification of the account of the designated transferee
or transferees for the purpose of receiving distributions pursuant to Section
4.01 by wire transfer, if any such transferee desires and is eligible for
distribution by wire transfer.
(vi) At the option of the Certificateholders, Certificates may be
exchanged for other Certificates of authorized denominations of the same Class
of a like aggregate Percentage Interest, upon surrender of the Certificates to
be exchanged at the office of the Securities Administrator. Whenever any
Certificates are so surrendered for exchange the Securities Administrator shall
execute, authenticate and deliver the Certificates which the Certificateholder
making the exchange is entitled to receive. Every Certificate presented or
surrendered for transfer or exchange shall (if so required by the Trustee) be
duly endorsed by, or be accompanied by a written instrument of transfer in the
form satisfactory to the Trustee duly executed by, the Holder thereof or his
attorney duly authorized in writing. In addition, with respect to each Class R
Certificate, the Holder thereof may exchange, in the manner described above,
such Class R Certificate for three separate Certificates, each representing such
Holder's respective Percentage Interest in the Class R-1 Interest, the Class R-2
Interest and the Class R-3 Interest, respectively, in each case that was
evidenced by the Class R Certificate being exchanged.
(vii) No service charge shall be made to the Certificateholders for any
transfer or exchange of Certificates, but the Securities Administrator may
require 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.
(viii) All Certificates surrendered for transfer and exchange shall be
canceled and retained by the Securities Administrator in accordance with the
Securities Administrator's standard procedures.
Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates.
If (i) any mutilated Certificate is surrendered to the Securities
Administrator and the Securities Administrator receives evidence to its
satisfaction of the destruction, loss or theft of any Certificate, and (ii)
there is delivered to the Securities Administrator and the NIMS Insurer such
security or indemnity as may be required by it to save it 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 the same Class and
Percentage Interest. Upon the issuance of any new Certificate under this Section
5.03, 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 shall constitute complete and indefeasible
evidence of ownership in the Trust
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Fund, as if originally issued, whether or not the lost, stolen or destroyed
Certificate shall be found at any time.
Section 5.04. Persons Deemed Owners.
The Company, the Master Servicer, Securities Administrator, the NIMS
Insurer, the Trustee and any agent of any of them may treat the person in whose
name any Certificate is registered as the owner of such Certificate for the
purpose of receiving distributions pursuant to Section 4.01 and for all other
purposes whatsoever, and neither the Company, the Master Servicer, the Trustee
nor any agent of any of them shall be affected by notice to the contrary.
Section 5.05. Rule 144A Information.
For so long as any Class P, Class C and Class R Certificates are
outstanding and are "restricted securities" within the meaning of Rule 144(a)(3)
of the Securities Act, (1) the Company will provide or cause to be provided to
any Holder of such Certificates and any prospective purchaser thereof designated
by such a Holder, upon the request of such Holder or prospective purchaser, the
information required to be provided to such Holder or prospective purchaser by
Rule 144A(d)(4) under the Securities Act; and (2) the Company shall update such
information from time to time in order to prevent such information from becoming
false and misleading and will take such other actions as are necessary to ensure
that the safe harbor exemption from the registration requirements of the
Securities Act under Rule 144A is and will be available for resales of such
Certificates conducted in accordance with Rule 144A. The Master Servicer shall
cooperate with the Company and furnish the Company such information in the
Master Servicer's possession as the Company may reasonably request.
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ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
Section 6.01. Liability of the Company and the Master Servicer.
The Company and the Master Servicer each shall be liable in accordance
herewith only to the extent of the obligations specifically imposed upon and
undertaken by the Company and the Master Servicer herein. Only the Master
Servicer, any successor Master Servicer or the Trustee acting as Master Servicer
shall be liable with respect to the master servicing of the Mortgage Loans and
the REO Property for actions taken by any such Person in contravention of the
Master Servicer's duties hereunder.
Section 6.02. Merger, Consolidation or Conversion of the Company or the
Master Servicer.
The Company and the Master Servicer each will keep in full effect its
existence, rights and franchises as a corporation under the laws of the state of
its incorporation, and each 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 respective duties under this Agreement.
Any Person into which the Company or the Master Servicer may be merged,
consolidated or converted, or any corporation resulting from any merger or
consolidation to which the Company or the Master Servicer shall be a party, or
any Person succeeding to the business of the Company or the Master Servicer,
shall be the successor of the Company or the Master Servicer, as the case may
be, hereunder, without the execution or filing of any paper or any further act
on the part of any of the parties hereto, anything herein to the contrary
notwithstanding; provided, however, that the successor or surviving Person to
the Master Servicer or an affiliate thereof shall be qualified to service
mortgage loans for Xxxxxx Xxx or Xxxxxxx Mac.
Section 6.03. Limitation on Liability of the Company, the Master
Servicer, the Securities Administrator and Others.
Neither the Company, the Master Servicer nor any of the directors,
officers, employees or agents of the Company or the Master Servicer shall be
under any liability to the Trust Fund or the Certificateholders for any action
taken or for refraining from the taking of any action in good faith pursuant to
this Agreement, or for errors in judgment; provided, however, that this
provision shall not protect the Company or the Master Servicer (but this
provision shall protect the above described persons) against any breach of
warranties or representations made herein, or against any specific liability
imposed on the Master Servicer pursuant to Section 3.01 or any other Section
hereof; and provided further that this provision shall not protect the Company,
the Master Servicer or any such person, against any liability which would
otherwise be imposed by reason of willful misfeasance, bad faith or gross
negligence in the performance of duties or by reason of reckless disregard of
obligations and duties hereunder. The Company, the Master Servicer and any
director, officer, employee or agent of the Company or 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
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arising hereunder. The Company, the Custodian, the Master Servicer, the
Securities Administrator, the NIMS Insurer and any director, officer, employee
or agent of the Company, the Custodian, the Master Servicer, the Securities
Administrator or the NIMS Insurer shall be indemnified and held harmless by the
Trust Fund (with respect to the Master Servicer, Custodian and Securities
Administrator, in the aggregate up to a limit of $500,000 per calendar year)
against any loss, liability or expense incurred in connection with this
Agreement, the Custodial Agreement or the Certificates or the Mortgage Loans
(including reasonable legal fees and disbursements of counsel), other than (a)
any loss, liability or expense related to Master Servicer's master servicing
obligations with respect to any specific Mortgage Loan or Mortgage Loans (except
as any such loss, liability or expense shall be otherwise reimbursable pursuant
to this Agreement) or related to the Master Servicer's obligations under Section
3.01, or to the Custodian's failure to perform its duties under the Custodial
Agreement, respectively, or (b) any loss, liability or expense incurred by
reason of willful misfeasance, bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder. None of the Company, the Master Servicer, the Custodian or the
Securities Administrator shall be under any obligation to appear in, prosecute
or defend any legal action which is not incidental to its respective duties
under this Agreement and which in its opinion may involve it in any expense or
liability; PROVIDED, HOWEVER, that the Company, the Master Servicer, the
Custodian or the Securities Administrator may in its sole 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 action or
liability related to the Master Servicer's obligations under Section 3.01) shall
be expenses, costs and liabilities of the Trust Fund, and the Company, the
Custodian, the Master Servicer and the Securities Administrator shall be
entitled to be reimbursed therefor from the Certificate Account as provided in
Section 3.11, any such right of reimbursement being prior to the rights of
Certificateholders to receive any amount in the Certificate Account.
Section 6.04. Limitation on Resignation of the Master Servicer.
The Master Servicer shall not resign from the obligations and duties
hereby imposed on it except (a) upon appointment of a successor master servicer
reasonably acceptable to the Trustee and the NIMS Insurer upon receipt by the
Trustee of a letter from each Rating Agency (obtained by the Master Servicer and
at its expense) that such a resignation and appointment will not, in and of
itself, result in a downgrading of the Certificates or (b) upon determination
that its duties hereunder are no longer permissible under applicable law. Any
such determination described in (b) above permitting the resignation of the
Master Servicer shall be evidenced by an Opinion of Counsel (at the expense of
the resigning Master Servicer) to such effect delivered to the Trustee. No such
resignation shall become effective until the Trustee or a successor servicer
shall have assumed the Master Servicer's responsibilities, duties, liabilities
and obligations hereunder. Any resignation of the Master Servicer shall result
in the automatic resignation of the Securities Administrator.
Section 6.05. 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; PROVIDED, HOWEVER, that: (i) the purchaser or
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transferee accepting such assignment and delegation (a) shall be a Person which
shall be qualified to service mortgage loans for Xxxxxx Xxx or Xxxxxxx Mac; (b)
shall, in the case of successor master servicers only, have a net worth of not
less than $10,000,000 (unless otherwise approved by each Rating Agency pursuant
to clause (ii) below); (c) shall be reasonably satisfactory to the Trustee (as
evidenced in a writing signed by the Trustee) and the NIMS Insurer as having a
comparable master servicing ability to that of the Master Servicer on the
Closing Date; (d) shall execute and deliver to the Trustee an agreement, in form
and substance reasonably satisfactory to the Trustee and the NIMS Insurer, which
contains an assumption by such Person of the due and punctual performance and
observance of each covenant and condition to be performed or observed by it as
master servicer under this Agreement and any custodial agreement, from and after
the effective date of such 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
or withdrawn as a result of such assignment, sale and delegation, as evidenced
by a letter to such effect obtained by the Master Servicer at its expense and
delivered to 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 (at the expense of the Master Servicer), each stating that
all conditions precedent to such action under this Agreement have been completed
and such action is permitted by and complies with the terms of this Agreement.
No such assignment or delegation shall affect any liability of the Master
Servicer arising prior to the effective date thereof.
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ARTICLE VII
DEFAULT
Section 7.01. Events of Default.
"Event of Default", wherever used herein, means any one of the
following events:
(i) any failure by the Master Servicer to deposit into the Certificate
Account on each Certificate Account Deposit Date the amounts required to be
deposited therein (other than an Advance) under the terms of this Agreement
which continues unremedied for one (1) Business Day after such amount was
required to be remitted; or
(ii) any failure on the part of the Master Servicer duly to observe or
perform in any material respect any other of the covenants or agreements on the
part of the Master Servicer contained in the Certificates or in this Agreement
(including any breach of the Master Servicer's representations and warranties
pursuant to Section 2.03(a) which materially and adversely affects the interests
of the Certificateholders) which continues unremedied for a period of 60 days
after the date on which written notice of such failure, requiring the same to be
remedied, shall have been given to the Master Servicer by the Trustee, the NIMS
Insurer or to the Master Servicer and the Trustee by the Holders of Certificates
entitled to at least 25% of the Voting Rights; or
(iii) a decree or order of a court or agency or supervisory authority
having jurisdiction in an involuntary case under any present or future federal
or state bankruptcy, insolvency or similar law or the appointment of a
conservator or receiver or liquidator in any insolvency, 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
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
conservator or receiver or liquidator in any insolvency, readjustment of debt,
marshaling of assets and liabilities or similar proceedings of or relating to
the Master Servicer or of or relating to all or substantially all of its
property; 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
otherwise voluntarily commence a case or proceeding under any applicable
bankruptcy, insolvency, reorganization or other similar statute, make an
assignment for the benefit of its creditors, or voluntarily suspend payment of
its obligations; or
(vi) the Master Servicer shall fail to deposit in the Certificate
Account on any Certificate Account Deposit Date an amount equal to any required
Advance which continues unremedied for a period of one (1) Business Day after
the Business Day immediately preceding the related Distribution Date.
If an Event of Default described in clauses (i) - (vi) of this Section
shall occur, then, and in
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each and every such case, so long as such Event of Default shall not have been
remedied, the Trustee, the NIMS Insurer or the Holders of Certificates entitled
to at least 51% of the Voting Rights, by notice in writing to the Master
Servicer (and to the Trustee and NIMS Insurer if given by such Holders of
Certificates), with a copy to the Rating Agencies, may terminate all of the
rights and obligations (but not the liabilities) of the Master Servicer under
this Agreement and in and to the Trust Fund, other than its rights as a
Certificateholder hereunder; PROVIDED, HOWEVER, that the successor to the Master
Servicer appointed pursuant to Section 7.02 shall have accepted the duties of
Master Servicer effective upon the resignation or termination of the Master
Servicer. On or after the receipt by the Master Servicer of such notice, all
authority and power of the Master Servicer under this Agreement, whether with
respect to the Certificates (other than as a Holder thereof) or the Mortgage
Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and
under this Section, and, without limitation, the Trustee is hereby authorized
and empowered to execute and deliver, on behalf of the Master Servicer, 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 the Mortgage Loans and related documents, or
otherwise at the expense of the Master Servicer. The Master Servicer agrees to
cooperate with (and pay any related costs and expenses of) the Trustee in
effecting the termination of the Master Servicer's responsibilities and rights
hereunder, including, without limitation, the transfer to the Trustee or the
successor Master Servicer for administration by it of (i) the property and
amounts which are then or should be part of the Trust Fund or which thereafter
become part of the Trust Fund; (ii) originals or copies of all documents of the
Master Servicer reasonably requested by the Trustee to enable it to assume the
Master Servicer's duties thereunder; (iii) the rights and obligations of the
Master Servicer under the Subservicing Agreements with respect to the Mortgage
Loans; and (iv) all cash amounts which shall at the time be deposited by the
Master Servicer or should have been deposited to the Custodial or the
Certificate Account or thereafter be received with respect to the Mortgage
Loans. The Trustee shall not be deemed to have breached any obligation hereunder
as a result of a failure to make or delay in making any distribution as and when
required hereunder caused by the failure of the Master Servicer to remit any
amounts received by it or to deliver any documents held by it with respect to
the Mortgage Loans. For purposes of this Section 7.01, the Trustee shall not be
deemed to have knowledge of an Event of Default unless a Responsible Officer of
the Trustee has actual knowledge thereof or unless notice of any event which is
in fact such an Event of Default is received by the Trustee as provided in
Section 11.05 and such notice references the Certificates, the Trust Fund or
this Agreement.
Section 7.02. Trustee to Act; Appointment of Successor.
Within 90 days of the time the Master Servicer receives a notice of
termination pursuant to Section 7.01(i) - (vi), the Trustee or its appointed
agent shall be the successor in all respects to the Master Servicer in its
capacity as Master Servicer under this Agreement and the transactions set forth
or provided for herein and shall be subject thereafter to all the
responsibilities, duties and liabilities relating thereto placed on the Master
Servicer including the obligation to make Advances which have been or will be
required to be made (except for the responsibilities, duties and liabilities
contained in Section 2.03 and its obligations to deposit amounts in respect of
losses pursuant to 4.01(i)) by the terms and provisions hereof; and provided
further, that any failure to perform such duties or responsibilities caused by
the Master Servicer's failure to provide information required by Section
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4.03 shall not be considered a default by the Trustee hereunder. As compensation
therefor, the Trustee shall be entitled to all funds relating to the Mortgage
Loans which the Master Servicer would have been entitled to charge to the
Custodial Account and the Certificate Account if the Master Servicer had
continued to act hereunder. If the Trustee has become the successor to the
Master Servicer in accordance with Section 6.04 or Section 7.02, then
notwithstanding the above, if the Trustee shall be unwilling to so act, or shall
be unable to so act, the Trustee may appoint, or petition a court of competent
jurisdiction to appoint, any established housing and home finance institution,
which is also a Xxxxxx Xxx- or Xxxxxxx Mac-approved mortgage servicing
institution, having a net worth of not less than $10,000,000 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,
PROVIDED, that the appointment of any such successor Master Servicer shall be
approved by the NIMS Insurer (such approval not to be unreasonably withheld), as
evidenced by the prior written consent of the NIMS Insurer. Pending appointment
of a successor to the Master Servicer hereunder, the Trustee shall act in such
capacity as herein above 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 as it and such successor shall
agree; provided, however, that no such compensation shall be in excess of that
permitted the Master Servicer hereunder. Each of the Company, the Trustee and
such successor shall take such action, consistent with this Agreement, as shall
be necessary to effectuate any such succession. In no event shall the successor
Master Servicer be liable for the acts or omissions of the predecessor Master
Servicer.
In connection with the termination or resignation of the Master
Servicer hereunder, either (i) the successor Master Servicer, including the
Trustee if the Trustee is acting as successor Master Servicer, shall represent
and warrant that it is a member of MERS in good standing and shall agree to
comply in all material respects with the rules and procedures of MERS in
connection with the servicing of the Mortgage Loans that are registered with
MERS, in which case the predecessor Master Servicer shall cooperate with the
successor Master Servicer in causing MERS to revise its records to reflect the
transfer of servicing to the successor Master Servicer as necessary under MERS'
rules and regulations, or (ii) the predecessor Master Servicer shall cooperate
with the successor Master Servicer in causing MERS to execute and deliver an
assignment of Mortgage in recordable form to transfer the Mortgage from MERS to
the Trustee and to execute and deliver such other notices, documents and other
instruments as may be necessary or desirable to effect a transfer of such
Mortgage Loan or servicing of such Mortgage Loan on the MERS(R) System to the
successor Master Servicer. The predecessor Master Servicer shall file or cause
to be filed any such assignment in the appropriate recording office. The
predecessor Master Servicer shall bear any and all fees of MERS, costs of
preparing any assignments of Mortgage, and fees and costs of filing any
assignments of Mortgage that may be required under this Section 7.02. The
successor Master Servicer shall cause such assignment to be delivered to the
Trustee promptly upon receipt of the original with evidence of recording thereon
or a copy certified by the public recording office in which such assignment was
recorded.
Any successor, including the Trustee, to the Master Servicer shall
maintain in force during its term as master servicer hereunder policies and
fidelity bonds to the same extent as the Master Servicer is so required pursuant
to Section 3.18.
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Notwithstanding anything else herein to the contrary, in no event shall
the Trustee be liable for any Master Servicing Fee or for any differential in
the amount of the Master Servicing Fee paid hereunder and the amount necessary
to induce any successor Master Servicer to act as successor Master Servicer
under this Agreement and the transactions set forth or provided for herein.
Section 7.03. Notification to Certificateholders.
(a) Upon any such termination or appointment of a successor to the
Master Servicer, the Trustee shall give prompt notice thereof to
Certificateholders and to the Rating Agencies.
(b) Within 60 days after the occurrence of any Event of Default, the
Trustee shall transmit by mail to all Holders of Certificates notice of each
such Event of Default hereunder known to the Trustee, unless such Event of
Default shall have been cured or waived.
Section 7.04. Waiver of Events of Default.
The Holders representing at least 51% of the Voting Rights of
Certificates affected by a default or Event of Default hereunder, and with the
consent of the NIMS Insurer, may waive such default or Event of Default (other
than an Event of Default set forth in Section 7.01(vi)); PROVIDED, HOWEVER, that
(a) a default or Event of Default under clause (i) of Section 7.01 may be waived
only by all of the Holders of Certificates affected by such default or Event of
Default and with the consent of the NIMS Insurer and (b) no waiver pursuant to
this Section 7.04 shall affect the Holders of Certificates in the manner set
forth in the second paragraph of Section 11.01 or materially adversely affect
any non-consenting Certificateholder. Upon any such waiver of a default or Event
of Default by the Holders representing the requisite percentage of Voting Rights
of Certificates affected by such default or Event of Default, such default or
Event of Default shall cease to exist and shall be deemed to have been remedied
for every purpose hereunder. No such waiver shall extend to any subsequent or
other default or Event of Default or impair any right consequent thereon except
to the extent expressly so waived. The Master Servicer shall give notice of any
such waiver to the Rating Agencies and the NIMS Insurer.
Section 7.05. List of Certificateholders.
Upon written request of three or more Certificateholders of record, for
purposes of communicating with other Certificateholders with respect to their
rights under this Agreement, the Securities Administrator will afford such
Certificateholders access during business hours to the most recent list of
Certificateholders held by the Securities Administrator.
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ARTICLE VIII
CONCERNING THE TRUSTEE AND SECURITIES ADMINISTRATOR
Section 8.01. Duties of Trustee and the Securities Administrator.
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 occurs,
is continuing and has not been waived, the Trustee shall exercise such of the
rights and powers vested in it by this Agreement, and use the same degree of
care and skill in their exercise as a prudent man would exercise or use under
the circumstances in the conduct of his own affairs. Any permissive right of the
Trustee enumerated in this Agreement shall not be construed as a duty.
The Trustee and the Securities Administrator, upon receipt of all
resolutions, certificates, statements, opinions, reports, documents, orders or
other instruments furnished to the Trustee and the Securities Administrator
which are specifically required to be furnished pursuant to any provision of
this Agreement, the Trustee and the Securities Administrator, respectively,
shall examine them in accordance with the requirements of this Agreement. If any
such instrument is found not to conform to the requirements of this Agreement in
a material manner, the Trustee or the Securities Administrator, as applicable,
shall take such action as it deems appropriate to have the instrument corrected,
and if the instrument is not corrected to the Trustee's or the Securities
Administrator's, as applicable, satisfaction, the Trustee or the Securities
Administrator, as applicable, will provide notice thereof to the
Certificateholders and the NIMS Insurer. Notwithstanding the foregoing, neither
the Trustee nor 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 hereunder
or any Opinion of Counsel required hereunder.
The Trustee is hereby authorized and directed to execute and deliver on
behalf of the Trust, and to perform the duties and obligations of the Trustee
under, an Insurance and Indemnity Agreement with a NIMs Insurer and any other
agreement or instrument related thereto, in each case in such form as the
Depositor shall direct or shall approve, the execution and delivery of any such
agreement by the Depositor to be conclusive evidence of its approval thereof.
The Securities Administrator shall prepare and file or cause to be
filed on behalf of the Trust Fund any tax return that is required with respect
to REMIC 1 and REMIC 2 pursuant to applicable federal, state or local tax laws.
The Securities Administrator covenants and agrees that it shall perform
its obligations hereunder in a manner so as to maintain the status of REMIC 1
and REMIC 2 under the REMIC Provisions and to prevent the imposition of any
federal, state or local income, prohibited transaction, contribution or other
tax on any of REMIC 1 or REMIC 2 to the extent that maintaining such status and
avoiding such taxes are within the control of the Securities Administrator and
are reasonably within the scope of its duties under this Agreement.
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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) The duties and obligations of the Trustee 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 and the Securities Administrator, at all times,
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 such 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 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 and conforming to the requirements of this Agreement;
(ii) Neither the Trustee nor the Securities Administrator shall be
liable for an error of judgment made in good faith by a Responsible Officer or
Responsible Officers of the Trustee or of the Securities Administrator, as
applicable, unless it shall be proved that the Trustee or Securities
Administrator, respectively, was negligent in ascertaining the pertinent facts;
and
(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 direction of the Holders of Certificates
entitled to at least 25% of the Voting Rights or the NIMS Insurer relating 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 power conferred upon the Trustee or the Securities Administrator,
respectively, under this Agreement.
Section 8.02. Certain Matters Affecting the Trustee and the Securities
Administrator.
Except as otherwise provided in Section 8.01:
(a) The Trustee and the Securities Administrator may conclusively rely
upon and shall be fully protected in acting or refraining from acting in
reliance upon any resolution, Officers' Certificate, certificate of auditors or
any other certificate, statement, instrument, opinion, report, notice, request,
consent, order, appraisal, bond or other paper or document reasonably believed
by it to be genuine and to have been signed or presented by the proper party or
parties;
(b) The Trustee and the Securities Administrator may consult with
counsel and any written advice or Opinion of Counsel shall be full and complete
authorization and protection in respect of any action taken or suffered or
omitted by it hereunder in good faith and in accordance therewith;
(c) 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
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notice 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 or the NIMS Insurer, pursuant to the provisions of
this Agreement, unless such Certificateholders or the NIMS Insurer shall have
offered to the Trustee or Securities Administrator security or indemnity
satisfactory 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's corporate trust department has
actual knowledge (which has not been waived or cured), 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 man would exercise or use under
the circumstances in the conduct of his own affairs;
(d) Neither the Trustee nor the Securities Administrator shall be
liable 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;
(e) Neither the Trustee prior to the occurrence of an Event of Default
hereunder and after the curing or waiver of all Events of Default which may have
occurred, nor the Securities Administrator, at any time, 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 the Holders of Certificates entitled to at least 25% of the Voting
Rights or the NIMS Insurer; provided, however, that if the payment within a
reasonable time to the Trustee or 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 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 reasonable expense of every such examination shall be
paid by the Certificateholders requesting the investigation;
(f) The Trustee and the Securities Administrator may execute any of the
trusts or powers hereunder or perform any duties hereunder either directly or by
or through agents, nominees, custodians or attorneys appointed with due care,
and shall not be responsible for any willful misconduct or negligence on the
part of any agent, attorney, custodian or nominee so appointed;
(g) 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; and
(h) Whenever in the administration of the provisions of this Agreement
the Trustee and the Securities Administrator shall deem it necessary or
desirable that a matter be proved or established prior to taking or suffering
any action to be taken hereunder, such matter (unless other evidence in respect
thereof be herein specifically prescribed) may, in the absence of gross
negligence or bad faith on the part of the Trustee or the Securities
Administrator, as applicable, be deemed to be conclusively proved and
established by a certificate signed and delivered to the Trustee or Securities
Administrator, as applicable, and such certificate, in the absence of gross
negligence or bad faith on the part of the Trustee or Securities Administrator,
as applicable, shall be full warrant
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to the Trustee or Securities Administrator, as applicable, for any action taken,
suffered or omitted by it under the provisions of this Agreement upon the faith
thereof.
Neither the Trustee nor the Securities Administrator shall have any
obligation to invest and reinvest any cash held. The Trustee and the Securities
Administrator shall have no liability in respect of losses incurred as a result
of the liquidation of any investment incurred as a result of the liquidation of
any investment prior to its stated maturity.
Section 8.03. Trustee and Securities Administrator Not Liable for
Certificates or Mortgage Loans.
The recitals contained herein and in the Certificates (other than the
signature of the Securities Administrator, the authentication of the Securities
Administrator on the Certificates, the acknowledgments of the Securities
Administrator contained in Article II) shall be taken as the statements of the
Company and neither the Trustee nor the Securities Administrator assumes any
responsibility for their correctness. Neither the Trustee nor the Securities
Administrator makes any representations or warranties as to the validity or
sufficiency of this Agreement or of the Certificates (other than the signature
and authentication of the Trustee on the Certificates) or of any Mortgage Loan
or related document, or of MERS or the MERS(R) System. Neither the Trustee nor
the Securities Administrator shall be accountable for the use or application by
the Company of any of the Certificates or of the proceeds of such Certificates,
or for the use or application of any funds paid to the Company or the Master
Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the
Custodial Account by the Master Servicer.
Section 8.04. Trustee and Securities Administrator May Own
Certificates.
Each of the Trustee and the Securities Administrator in its individual
or any other capacity (other than as Trustee hereunder) may become the owner or
pledgee of Certificates with the same rights it would have if it were not
Trustee or the Securities Administrator, as applicable, and may otherwise deal
with the parties hereto.
Section 8.05. Trustee's and Securities Administrator's Fees.
Each of the Trustee and Securities Administrator shall be compensated
by the Master Servicer. Such compensation (which shall not be limited by any
provision of law in regard to the compensation of a trustee of an express trust)
shall be paid for all services rendered by it in the execution of the trusts
hereby created and in the exercise and performance of any of the powers and
duties hereunder or of the Trustee and the Securities Administrator. Except as
otherwise provided in this Agreement, the Trustee and any director, officer,
employee or agent of the Trustee shall be indemnified and held harmless by the
Trust Fund against any claim, loss, liability, fee or expense incurred 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)
relating to the acceptance or administration of its trusts hereunder or the
Trustee's performance under the Certificates (up to a limit of $300,000 per
calendar year so long as any notes issued pursuant to the Indenture are insured
by a NIMS Insurer), other than any claim, loss, liability or expense (i)
sustained in connection with
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this Agreement related to the willful misfeasance, bad faith or negligence of
the Master Servicer in the performance of its duties hereunder or (ii) incurred
in connection with a breach constituting willful misfeasance, bad faith or
negligence of the Trustee in the performance of its duties hereunder or by
reason of reckless disregard of its obligations and duties hereunder.
The Master Servicer shall indemnify the Company, the Trustee, the NIMS
Insurer and the Securities Administrator and any director, officer, employee or
agent of the Company, the Trustee or the Securities Administrator against any
such claim or legal action (including any pending or threatened claim or legal
action), loss, liability, fee or expense that may be sustained in connection
with this Agreement related to the willful misfeasance, bad faith, or negligence
in the performance of the Master Servicer's duties hereunder.
The provisions of this Section 8.05 shall survive the resignation or
removal of the Trustee or the Securities Administrator or the termination of
this Agreement.
Section 8.06. Eligibility Requirements for Trustee and the Securities
Administrator.
The Trustee and the Securities Administrator hereunder shall at all
times be a corporation or a national banking association organized and doing
business under the laws of any state or the United States of America or the
District of Columbia, authorized under such laws to exercise corporate trust
powers, having a combined capital and surplus of at least $50,000,000 and
subject to supervision or examination by federal or state authority. In
addition, the Trustee and the Securities Administrator shall at all times be
acceptable to the Rating Agency rating the Certificates and the NIMS Insurer. If
such corporation 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 the combined capital and surplus of such
corporation shall be deemed to be its 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 shall cease to be eligible in accordance
with the provisions of this Section, the Trustee or the Securities
Administrator, as applicable, shall resign immediately in the manner and with
the effect specified in Section 8.07. The corporation or national banking
association serving as Trustee or Securities Administrator may have normal
banking and trust relationships with the Seller and their affiliates or the
Master Servicer and its affiliates; PROVIDED, HOWEVER, that such corporation
cannot be an affiliate of the Master Servicer other than the Trustee in its role
as successor to the Master Servicer.
Section 8.07. Resignation and Removal of the Trustee and the Securities
Administrator.
The Trustee and the Securities Administrator may at any time resign and
be discharged from the trusts hereby created by giving written notice thereof to
the Master Servicer and the NIMS Insurer; with a copy to the Rating Agencies;
PROVIDED, that such resignation shall not be effective until a successor trustee
is appointed and accepts appointment in accordance with the following
provisions; PROVIDED, HOWEVER, that the resigning Trustee or Securities
Administrator, as applicable, shall not resign and be discharged from the trusts
hereby created until such time as the NIMS Insurer and the Rating Agency rating
the Certificates approves the successor trustee or successor securities
administrator. Any resignation or removal of the Securities Administrator shall
result in the
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automatic removal of the Master Servicer. Upon receiving such notice of
resignation of the Trustee, the Master Servicer shall promptly appoint a
successor trustee who meets the eligibility requirements of Section 8.06 by
written instrument, in triplicate, one copy of which instrument shall be
delivered to the resigning Trustee, and to the successor trustee. Upon receiving
notice of the resignation of the Securities Administrator, the Trustee shall
promptly appoint a successor securities administrator acceptable to the NIMS
Insurer who meets the eligibility requirements of Section 8.06 by written
instrument, in triplicate, copies of which instrument shall be delivered to the
resigning securities administrator and the successor securities administrator.
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 resigning Securities
Administrator, as applicable may petition any court of competent jurisdiction
for the appointment of a successor trustee or successor securities
administrator, as applicable.
If at any time the Trustee or the Securities Administrator shall cease
to be eligible in accordance with the provisions of Section 8.06 and shall fail
to resign after written request therefor by the Master Servicer or the NIMS
Insurer, or if at any time the Trustee or the Securities Administrator shall
become incapable of acting, or shall be adjudged bankrupt or insolvent, or a
receiver of the Trustee or Securities Administrator, as applicable, or of its
property shall be appointed, or any public officer shall take charge or control
of the Trustee or Securities Administrator, as applicable, or of its property or
affairs for the purpose of rehabilitation, conservation or liquidation, the
Master Servicer may remove the Trustee, or the Trustee shall remove the
Securities Administrator, as applicable, and appoint a successor trustee or
successor securities administrator acceptable to the NIMS Insurer, as
applicable, who meets the eligibility requirements of Section 8.06 by written
instrument, in triplicate, which instrument shall be delivered to the Trustee or
Securities Administrator, as applicable, so removed and to the successor trustee
or successor securities administrator, as applicable.
The Holders of Certificates entitled to at least 51% of the Voting
Rights (or the NIMS Insurer upon the failure of the Trustee or Securities
Administrator, as applicable, to perform its obligations hereunder), may at any
time remove the Trustee or Securities Administrator and appoint a successor
trustee or successor securities administrator acceptable to the NIMS Insurer by
written instrument or instruments, in triplicate, signed by such Holders or
their attorneys-in-fact duly authorized, one complete set of which instruments
shall be delivered to the Master Servicer (if the Trustee is removed), the
Securities Administrator (if the Trustee is removed), and the Trustee (if the
Securities Administrator is removed), one complete set to the Trustee or
Securities Administrator so removed and one complete set to the successor so
appointed. A copy of such instrument shall be delivered to the
Certificateholders and the Company by the Master Servicer (if the Trustee is
removed) and by the Trustee (if the Securities Administrator is removed). If the
Trustee or the Securities Administrator is removed by the Certificateholders,
the NIMS Insurer will have the right to consent to any successor. If the Trustee
or the Securities Admministrator is removed by the NIMS Insurer, the NIMS
Insurer will have the right to appoint any successor in its sole discretion.
Any resignation or removal of the Trustee or Securities Administrator
and appointment of a successor trustee or successor securities administrator
pursuant to any of the provisions of this Section shall not become effective
until acceptance of appointment by the successor trustee or successor securities
administrator as provided in Section 8.08.
Section 8.08. Successor Trustee and Successor Securities Administrator.
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Any successor trustee or successor securities administrator appointed
as provided in Section 8.07 shall execute, acknowledge and deliver to the NIMS
Insurer and the Master Servicer and to its predecessor trustee or predecessor
securities administrator an instrument accepting such appointment hereunder, and
thereupon the resignation or removal of the predecessor trustee or predecessor
securities administrator shall become effective and such successor trustee or
successor 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 herein. The predecessor trustee or predecessor securities administrator
shall after payment of its outstanding fees and expenses, promptly deliver to
the successor trustee or successor securities administrator all assets and
records of the Trust Fund held by it hereunder, and the Master Servicer and the
predecessor trustee or predecessor securities administrator shall execute and
deliver all such instruments and do such other things as may reasonably be
required for more fully and certainly vesting and confirming in the successor
trustee or successor securities administrator all such rights, powers, duties
and obligations.
No successor trustee or successor securities administrator shall accept
appointment as provided in this Section unless at the time of such acceptance
such successor trustee or successor securities administrator shall be eligible
under the provisions of Section 8.06.
Upon acceptance of appointment by a successor trustee or successor
securities administrator as provided in this Section, the Master Servicer (in
the case of a successor trustee) and the Trustee (in the case of a successor
securities administrator) shall mail notice of the succession of such trustee or
securities administrator hereunder to all Holders of Certificates at their
addresses as shown in the Certificate Register. If the Master Servicer (in the
case of a successor trustee) and the Trustee (in the case of a successor
securities administrator) fails to mail such notice within ten days after
acceptance of appointment by the successor trustee successor securities
administrator, the successor trustee successor securities administrator shall
cause such notice to be mailed at the expense of the Master Servicer or Trustee,
as the case may be.
Section 8.09. Merger or Consolidation of Trustee or Securities
Administrator.
Any state bank or trust company or corporation or national banking
association into which the Trustee or Securities Administrator may be merged or
converted or with which it may be consolidated or any state bank or trust
company or national banking association resulting from any merger, conversion or
consolidation to which the Trustee or Securities Administrator shall be a party,
or any state bank or trust company or corporation or national banking
association succeeding to all or substantially all of the corporate trust
business of the Trustee or Securities Administrator, shall be the successor of
the Trustee or Securities Administrator hereunder, provided such state bank or
trust company or corporation or national banking association shall be eligible
under the provisions of Section 8.06 without the execution or filing of any
paper or any further act on the part of any of the parties hereto, anything
herein to the contrary notwithstanding.
Section 8.10. Appointment of Co-Trustee or Separate Trustee.
Notwithstanding any other provisions hereof, at any time, for the
purpose of meeting any
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legal requirements of any jurisdiction in which any part of the Trust Fund or
property securing the same 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 and the
NIMS Insurer 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, such title to the Trust
Fund, or any part thereof, and, subject to the other provisions of this Section
8.10, 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 so to do, or in case an Event of Default shall have occurred and be
continuing, the Trustee alone shall have the power to make such appointment
without the Master Servicer. No co-trustee or separate trustee hereunder shall
be required to meet the terms of eligibility as a successor trustee under
Section 8.06 hereunder and no notice to Holders of Certificates of the
appointment of co-trustee(s) or separate trustee(s) shall be required under
Section 8.08 hereof.
In the case of any appointment of a co-trustee or separate trustee
pursuant to this Section 8.10, all rights, powers, duties and obligations
conferred or imposed upon the Trustee and required to be conferred or such
co-trustee shall be conferred or imposed upon and exercised or performed by the
Trustee and such separate trustee or co-trustee jointly, except to the extent
that under any law of any jurisdiction in which any particular act or acts are
to be performed (whether as Trustee hereunder or as successor to the 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 by such separate trustee or
co-trustee at the direction of the 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 VIII. 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 to the NIMS Insurer.
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.
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ARTICLE IX
TERMINATION
Section 9.01. Termination Upon Repurchase or Liquidation of All
Mortgage Loans or upon Purchase of Certificates.
(a) Subject to Section 9.03, the respective obligations and
responsibilities of the Company, the Master Servicer, the Securities
Administrator and the Trustee created hereby (other than the obligations of the
Master Servicer to the Trustee pursuant to Section 8.05 and of the Master
Servicer to provide for and the Securities Administrator to make payments to
Certificateholders as hereafter set forth) shall terminate upon payment to the
Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them hereunder following the earlier to occur of (i) the
repurchase by the Servicer, or its designee (or if the Servicer fails to
exercise such option, the NIMS Insurer or if the NIMS Insurer fails to exercise
such option, the Master Servicer) of all Mortgage Loans and each REO Property in
respect thereof remaining in the Trust Fund at a price equal to (a) 100% of the
unpaid principal balance of each Mortgage Loan (other than one as to which a REO
Property was acquired) on the day of repurchase together with accrued interest
on such unpaid principal balance at the Net Mortgage Rate to the first day of
the month in which the proceeds of such repurchase are to be distributed, plus
(b) the appraised value of any REO Property (but not more than the unpaid
principal balance of the related Mortgage Loan, together with accrued interest
on that balance at the Net Mortgage Rate to the first day of the month such
repurchase price is distributed), less the good faith estimate of the Servicer,
the NIMS Insurer or the Master Servicer, as applicable, of liquidation expenses
to be incurred in connection with its disposal thereof, such appraisal to be
conducted by an appraiser mutually agreed upon by the Servicer, the NIMS Insurer
or the Master Servicer, as applicable, and the Master Servicer on behalf of the
Trustee at the expense of the terminating party, and (ii) the final payment or
other liquidation (or any Advance with respect thereto) of the last Mortgage
Loan remaining in the Trust Fund (or the disposition of all REO Property in
respect thereof); PROVIDED, HOWEVER, that in no event shall the trust created
hereby continue beyond the earlier of (i) the Distribution Date occurring in
August 2033 and (ii) 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 PROVIDED
FURTHER, that the purchase price set forth above shall be increased as is
necessary, as determined by the Servicer, the Master Servicer, the NIMS Insurer
or the Master Servicer, as applicable, to avoid disqualification of any of REMIC
1 or REMIC 2 as a REMIC. In the case of any repurchase by the Servicer, the
Master Servicer or the NIMS Insurer, as applicable, pursuant to clause (i), the
Master Servicer shall exercise reasonable efforts to cooperate fully with the
Trustee in effecting such repurchase and the transfer of the Mortgage Loans and
related Mortgage Files and related records to the Servicer, the NIMS Insurer or
the Master Servicer, as applicable; provided, however, such option may only be
exercised if (i) the purchase price is sufficient to pay all interest accrued
on, as well as amounts necessary to retire the principal balance of, each class
of notes secured primarily by the Class C Certificates and the Class P
Certificates and issued pursuant to the Indenture and any amounts owed to the
NIMS Insurer.
The right of the Servicer or the NIMS Insurer, as applicable, or its
designee to repurchase all Mortgage Loans pursuant to (i) above shall be
conditioned upon the aggregate Stated Principal
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Balance of such Mortgage Loans at the time of any such repurchase aggregating an
amount equal to or less than 10% of the aggregate Stated Principal Balance of
the Mortgage Loans at the Cut-off Date. If such right is exercised, the Servicer
or the NIMS Insurer, as applicable, upon such repurchase shall provide to the
Trustee and Securities Administrator, notice of such exercise prior to the
Determination Date in the month preceding the month of purchase and the
certification required by Section 3.16.
The right of the Master Servicer, or its designee to repurchase all
Mortgage Loans pursuant to (i) in the second preceding paragraph shall be
conditioned upon the aggregate Stated Principal Balance of such Mortgage Loans
at the time of any such repurchase aggregating an amount equal to or less than
5% of the aggregate Stated Principal Balance of the Mortgage Loans at the
Cut-off Date. If such right is exercised, the Master Servicer, upon such
repurchase shall provide to the Trustee and Securities Administrator, notice of
such exercise prior to the Determination Date in the month preceding the month
of purchase and the certification required by Section 3.16.
Written notice of any termination, specifying the Distribution Date
upon which the Certificateholders may surrender their Certificates to the
Securities Administrator for payment of the final distribution and cancellation,
shall be given promptly by the Securities Administrator by letter to the
Certificateholders mailed (a) in the event such notice is given in connection
with the Servicer's, the Master Servicer's or the NIMS Insurer's, as applicable,
election to repurchase, not earlier than the 15th day and not later than the
25th day of the month next preceding the month of such final distribution or (b)
otherwise during the month of such final distribution on or before the
Determination Date in such month, in each case specifying (i) the Distribution
Date upon which final payment of the Certificates will be made upon presentation
and surrender of Certificates at the office of the Securities Administrator
therein designated, (ii) the amount of any such final payment and (iii) that the
Record Date otherwise applicable to such Distribution Date is not applicable,
payments being made only upon presentation and surrender of the Certificates at
the office of the Securities Administrator therein specified. In the event such
notice is given in connection with the Servicer, the Master Servicer or the NIMS
Insurer, as applicable, or its designee's election to repurchase, the Servicer,
the Master Servicer or the NIMS Insurer, as applicable, or its designee shall
deliver to the Securities Administrator for deposit in the Certificate Account
on the Business Day immediately preceding the Distribution Date specified in
such notice an amount equal to the above-described repurchase price payable out
of its own funds. Upon presentation and surrender of the Certificates by the
Certificateholders, the Securities Administrator shall first pay any amounts
owing to the Trustee, Master Servicer, Custodian, Servicer and Securities
Administrator, as applicable, under this Agreement, and second, distribute to
the Certificateholders (i) the amount otherwise distributable on such
Distribution Date, if not in connection with the Servicer's, the Master
Servicer's or the NIMS Insurer's, as applicable, election to repurchase, or (ii)
if the Servicer, the Master Servicer or the NIMS Insurer, as applicable, elected
to so repurchase, an amount determined as follows: with respect to each Regular
Certificate, the outstanding Certificate Principal Balance thereof, plus with
respect to each Class A, Class M or Class C Certificate, one month's interest
thereon at the applicable Pass-Through Rate and any Unpaid Interest Shortfall
Amount, plus with respect to each Class M Certificate, any unpaid Allocated
Realized Loss Amount; and with respect to each Class R Certificate, the
Percentage Interest evidenced thereby multiplied by the difference, if any,
between the above described repurchase price and the aggregate amount to be
distributed to the Holders of
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the Regular Certificates, subject to the priorities set forth in Section 4.01.
Notwithstanding the foregoing, by acceptance of the Class R Certificates, the
Holders of the Class R Certificates agree, in connection with any termination
hereunder, to assign and transfer any amounts received in respect of such
termination to the Holders of the Class C Certificates and to pay any such
amounts to the Holders of the Class C Certificates. Upon certification to the
Custodian by a Servicing Officer, following such final deposit, the Custodian
shall promptly release the Mortgage Files as directed by the Servicer, the
Master Servicer or the NIMS Insurer, as applicable, for the remaining Mortgage
Loans, and the Trustee shall execute all assignments, endorsements and other
instruments required by the Servicer, the Master Servicer or the NIMS Insurer,
as applicable, as being necessary to effectuate such transfer.
In the event that all of the Certificateholders shall not surrender
their Certificates for cancellation within six months after the time specified
in the above-mentioned notice, the Securities Administrator shall give a second
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 of the Certificates shall not have been
surrendered for cancellation, the Securities Administrator shall take reasonable
steps as directed by the Company in writing, or appoint an agent to take
reasonable 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 which remain subject hereto. If within nine months after
the second notice all the Certificates shall not have been surrendered for
cancellation, the Class R Certificateholders shall be entitled to all unclaimed
funds and other assets which remain subject hereto.
Section 9.02. Termination of REMIC 2.
REMIC 2 shall be terminated on the earlier of the Final Distribution
Date and the date on which it is deemed to receive the last deemed distributions
on the REMIC 1 Regular Interests and the last distribution due on the Regular
Certificates and the Class R Certificates (in respect of the Class R-2 Interest)
is made.
Section 9.03. Additional Termination Requirements.
(a) In the event the Servicer, the NIMS Insurer or the Master Servicer,
as applicable, repurchases the Mortgage Loans as provided in Section 9.01, the
Trust Fund shall be terminated in accordance with the following additional
requirements, unless the Servicer, the NIMS Insurer or the Master Servicer, as
applicable, at its own expense, obtains for the Trustee and the Securities
Administrator an Opinion of Counsel to the effect that the failure of the Trust
Fund to comply with the requirements of this Section 9.03 will not (i) result in
the imposition on the Trust of taxes on "prohibited transactions," as described
in Section 860F of the Code, or (ii) cause either REMIC 1 or REMIC 2 to fail to
qualify as a REMIC at any time that any Certificate is outstanding:
(i) The Securities Administrator shall establish a 90-day
liquidation period for REMIC 1 and REMIC 2, as the case may be, and specify the
first day of such period in a statement attached to the Trust Fund's final Tax
Return pursuant to Treasury regulations Section 1.860F-1. The Securities
Administrator also shall satisfy all of the requirements of a qualified
liquidation for
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REMIC 1 and REMIC 2, as the case may be, under Section 860F of the Code and
regulations thereunder; and
(ii) The Servicer or the NIMS Insurer, as applicable, shall
notify the Trustee and the Securities Administrator at the commencement of such
90-day liquidation period and, at or prior to the time of making of the final
payment on the Certificates, the Trustee shall sell or otherwise dispose of all
of the remaining assets of the Trust Fund in accordance with the terms hereof.
(b) Each Holder of a Certificate and the Trustee hereby irrevocably
approves and appoints the Securities Administrator as its attorney-in-fact to
adopt a plan of complete liquidation for REMIC 1 and REMIC 2 at the expense of
the Trust Fund in accordance with the terms and conditions of this Agreement.
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ARTICLE X
REMIC PROVISIONS
Section 10.01. REMIC Administration.
(a) The Securities Administrator shall make an election to treat the
Trust Fund as two REMICs under the Code and, if necessary, under applicable
state law. Each such election will be made on Form 1066 or other appropriate
federal tax or information return (including Form 8811) or any appropriate state
return for the taxable year ending on the last day of the calendar year in which
the Certificates are issued. For the purposes of the REMIC elections in respect
of the Trust Fund, (i) the REMIC 1 Regular Interests will represent the "regular
interests" in REMIC 1, the Class R-1 Interest will constitute the sole class of
"residual interest" in REMIC 1 and (ii) the Class R-2 Interest will constitute
the sole class of "residual interest" in REMIC 2, and the Regular Certificates
(exclusive of any right to receive payments from the Basis Risk Shortfall
Reserve Fund) shall be designated as the "regular interests" in REMIC 2. The
Securities Administrator and the Trustee shall not permit the creation of any
"interests" (within the meaning of Section 860G of the Code) in REMIC 1 or REMIC
2 other than the REMIC 1 Regular Interests and the Class R-1 Interest (in the
case of REMIC 1), and the Regular Interests and the Class R-2 Interest (in the
case of REMIC 2). The Securities Administrator will apply for an Employee
Identification Number from the IRS via form SS-4 or any other acceptable method
for each of REMIC 1 and REMIC 2.
(b) The Closing Date is hereby designated as the "startup day" of the
Trust Fund within the meaning of Section 860G(a)(9) of the Code.
(c) The Securities Administrator shall pay out of its own funds,
without any right of reimbursement, any and all expenses relating to any tax
audit of the REMICs (including, but not limited to, any professional fees or any
administrative or judicial proceedings with respect to the REMICs that involve
the Internal Revenue Service or state tax authorities), other than the expense
of obtaining any tax-related Opinion of Counsel except as specified herein. The
Securities Administrator, as agent for the REMICs' tax matters person, shall (i)
act on behalf of the REMICs in relation to any tax matter or controversy
involving the Trust Fund and (ii) represent the Trust Fund in any administrative
or judicial proceeding relating to an examination or audit by any governmental
taxing authority with respect thereto. By their acceptance thereof, the Holder
of the largest Percentage Interest of the Class R Certificates hereby agrees to
irrevocably appoint the Securities Administrator or an Affiliate as its agent to
perform all of the duties of the tax matters person for the REMICs.
(d) The Securities Administrator shall prepare and file or cause to be
filed, and the Trustee shall sign, all of the Tax Returns (including Form 8811,
which must be filed within 30 days of the Closing Date) in respect of the REMICs
created hereunder. The expenses of preparing and filing such returns shall be
borne by the Securities Administrator without any right of reimbursement
therefor. The Master Servicer shall provide on a timely basis to the Securities
Administrator or its designee such information with respect to the assets of the
REMICs as is in its possession and reasonably required by the Securities
Administrator to enable it to perform its obligations under this Article X.
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(e) The Securities Administrator shall perform on behalf of the REMICs
all reporting and other tax compliance duties that are the responsibility of the
REMICs under the Code, the REMIC Provisions or other compliance guidance issued
by the Internal Revenue Service or any state or local taxing authority. Among
its other duties, as required by the Code, the REMIC Provisions or other such
compliance guidance, the Securities Administrator shall provide (i) to any
Transferor of a Class R Certificate such information as is necessary for the
application of any tax relating to the transfer of a Class R Certificate to any
Person who is not a Permitted Transferee, (ii) to the Certificateholders such
information or reports as are required by the Code or the REMIC Provisions
including reports relating to interest, original issue discount and market
discount or premium (using the Prepayment Assumption as required) and (iii) to
the Internal Revenue Service the name, title, address and telephone number of
the person who will serve as the representative of the REMICs. The Master
Servicer shall provide on a timely basis to the Securities Administrator such
information with respect to the assets of the REMICs, including, without
limitation, the Mortgage Loans, as is in its possession and reasonably required
by the Securities Administrator to enable it to perform its obligations under
this subsection. In addition, the Company shall provide or cause to be provided
to the Securities Administrator, within ten (10) days after the Closing Date,
all information or data that the Securities Administrator reasonably determines
to be relevant for tax purposes as to the valuations and issue prices of the
Certificates, including, without limitation, the price, yield, prepayment
assumption and projected cash flow of the Certificates.
(f) The Securities Administrator shall take such action and shall cause
the REMICs created hereunder to take such action as shall be necessary to create
or maintain the status thereof as REMICs under the REMIC Provisions (and the
Master Servicer shall assist it, to the extent reasonably requested by it). The
Securities Administrator shall not take any action, cause the Trust Fund to take
any action or fail to take (or fail to cause to be taken) any action that, under
the REMIC Provisions, if taken or not taken, as the case may be, could (i)
endanger the status of the REMIC 1 or REMIC 2 as REMICs or (ii) result in the
imposition of a tax upon the REMICs (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) (either
such event, an "Adverse REMIC Event") unless the Securities Administrator and
the NIMS Insurer has received an Opinion of Counsel, addressed to the Securities
Administrator (at the expense of the party seeking to take such action but in no
event at the expense of the Securities Administrator) to the effect that the
contemplated action will not, with respect to the REMICs created hereunder,
endanger such status or result in the imposition of such a tax, nor shall the
Master Servicer take or fail to take any action (whether or not authorized
hereunder) as to which the Securities Administrator and the NIMS Insurer has
advised it in writing that each has received an Opinion of Counsel to the effect
that an Adverse REMIC Event could occur with respect to such action. In
addition, prior to taking any action with respect to the REMICs or the assets of
the REMICs, or causing the REMICs to take any action, which is not contemplated
under the terms of this Agreement, the Master Servicer will consult with the
Securities Administrator or its designee, in writing, with respect to whether
such action could cause an Adverse REMIC Event to occur with respect to the
Trust Fund, and the Master Servicer shall not take any such action or cause the
Trust Fund to take any such action as to which the Securities Administrator has
advised it in writing that an Adverse REMIC Event could occur. The Securities
Administrator may consult with counsel to make such written advice, and the cost
of same shall be borne by the party seeking to take the action not permitted by
this Agreement, but in
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no event shall such cost be an expense of the Securities Administrator. At all
times as may be required by the Code, the Securities Administrator will ensure
that substantially all of the assets of the REMICs created hereunder will
consist of "qualified mortgages" as defined in Section 860G(a)(3) of the Code
and "permitted investments" as defined in Section 860G(a)(5) of the Code.
(g) In the event that any tax is imposed on "prohibited transactions"
of the REMICs created hereunder as defined in Section 860F(a)(2) of the Code, on
the "net income from foreclosure property" of the REMICs as defined in Section
860G(c) of the Code, on any contributions to the REMICs after the Startup Day
therefor pursuant to Section 860G(d) of the Code, or any other tax is imposed by
the Code or any applicable provisions of state or local tax laws, such tax shall
be charged (i) to the Securities Administrator pursuant to Section 10.03 hereof,
if such tax arises out of or results from a breach by the Securities
Administrator of any of its obligations under this Article X, (ii) to the Master
Servicer pursuant to Section 10.03 hereof, if such tax arises out of or results
from a breach by the Master Servicer of any of its obligations under Article III
or this Article X, or otherwise, (iii) to the Master Servicer as provided in
Section 3.05, if applicable, (iv) to the Class R Certificateholder to the extent
of any funds distributed to such Certificateholder, (v) otherwise against
amounts on deposit in the Certificate Account and shall be paid by withdrawal
therefrom to the extent not required to be paid by the Master Servicer, the
Securities Administrator or the Class R Certificateholder pursuant to another
provision of this Agreement.
(h) On or before April 15 of each calendar year, commencing April 15,
2005, the Securities Administrator shall deliver to the Master Servicer, the
NIMS Insurer and the Rating Agency a Certificate from a Responsible Officer of
the Securities Administrator stating the Securities Administrator's compliance
with its obligations under this Article X.
(i) 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.
(j) Following the Startup Day, the Securities Administrator shall not
accept any contributions of assets to the REMICs other than in connection with
any Qualified Substitute Mortgage Loan delivered in accordance with Section 2.04
unless it shall have received an Opinion of Counsel to the effect that the
inclusion of such assets in the REMICs will not cause the REMIC 1 or REMIC 2 to
fail to qualify as REMICs at any time that any Certificates are outstanding or
subject either REMIC 1 or REMIC 2 to any tax under the REMIC Provisions or other
applicable provisions of federal, state and local law or ordinances.
(k) Neither the Securities Administrator nor the Master Servicer shall
enter into any arrangement 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.
(l) The Securities Administrator shall treat the rights of the
Certificateholders (other than the Class P Certificateholders and Class R
Certificateholders) to receive payments from the Basis Risk Shortfall Reserve
Fund as rights in Corridor Contract written by the Corridor Contract
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Counterparty with respect to the Basis Risk Shortfall Carry-Forward Amounts
funded by the Corridor Contract and Excess Cashflow, in favor of the
Certificateholders (other than the Holders of the Class P Certificates and Class
R Certificates). For federal tax return and information reporting, the right of
the Holders of the Class A and Class M Certificates to receive payments from the
Carryover Reserve Fund in respect of any Basis Risk Carry-Forward Amount may be
obtained from the Securities Administrator upon request. For the purposes of
determining the issue price of the REMIC 2 Regular Interests, the Securities
Administrator shall assume that the Cap Contract have a value of $720,000.
Section 10.02. Prohibited Transactions and Activities.
None of the Company, the Master Servicer, the Securities Administrator
or the Trustee shall sell, dispose of or substitute for any of the Mortgage
Loans (except in connection with (i) the foreclosure of a Mortgage Loan,
including but not limited to, the acquisition or sale of a Mortgaged Property
acquired by deed in lieu of foreclosure, (ii) the bankruptcy of the Trust Fund,
(iii) the termination of REMIC 1 or REMIC 2 pursuant to Article IX of this
Agreement, (iv) a substitution pursuant to Article II of this Agreement or (v) a
purchase of Mortgage Loans pursuant to Article II or III of this Agreement), nor
acquire any assets for the Trust Fund (other than REO Property acquired in
respect of a defaulted Mortgage Loan), nor sell or dispose of any investments in
the Custodial Account or the Certificate Account for gain, nor accept any
contributions to the REMICs after the Closing Date (other than a Qualified
Substitute Mortgage Loan delivered in accordance with Section 2.04), unless each
such party and the NIMS Insurer have received an Opinion of Counsel, addressed
to the Trustee and Securities Administrator (at the expense of the party seeking
to cause such sale, disposition, substitution, acquisition or contribution but
in no event at the expense of the Trustee) that such sale, disposition,
substitution, acquisition or contribution will not (a) affect adversely the
status of REMIC 1 or REMIC 2 as REMICs or (b) cause the Trust Fund to be subject
to a tax on "prohibited transactions" or "contributions" pursuant to the REMIC
Provisions.
Section 10.03. Master Servicer, Securities Administrator and Trustee
Indemnification.
(a) The Securities Administrator agrees to indemnify the Trust Fund,
the Company, the NIMS Insurer and the Master Servicer for any taxes and costs
including, without limitation, any reasonable attorneys' fees imposed on or
incurred by the Trust Fund, the Company, the NIMS Insurer or the Master
Servicer, as a result of (i) a breach of the Securities Administrator's
covenants set forth in this Article X or (ii) any state, local or franchise
taxes imposed upon the Trust Fund as a result of the location of the Securities
Administrator.
(b) The Master Servicer agrees to indemnify the Trust Fund, the
Company, the NIMS Insurer and the Trustee for any taxes and costs including,
without limitation, any reasonable attorneys' fees imposed on or incurred by the
Trust Fund, the Company, the NIMS Insurer or the Trustee, as a result of (i) a
breach of the Master Servicer's covenants set forth in Article III or this
Article X with respect to compliance with the REMIC Provisions or (ii) any
state, local or franchise taxes imposed upon the Trust Fund as a result of the
location of the Master Servicer with respect to compliance with the REMIC
Provisions.
(c) The Seller agrees to indemnify the Trust Fund, the Company and the
NIMS Insurer for any taxes and costs including, without limitation, any
reasonable attorneys' fees imposed on or incurred by the Trust Fund, the Company
or the NIMS Insurer, as a result of any state, local or franchise taxes imposed
upon the Trust Fund as a result of the location of the Trustee, the Servicer or
the Subservicers
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ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01. Amendment.
This Agreement may be amended from time to time by the Company, the
Master Servicer, the Securities Administrator and the Trustee, with the consent
of the NIMS Insurer but without the consent of any of the Certificateholders,
(i) to cure any ambiguity, (ii) to correct or supplement any provisions herein
which may be defective or inconsistent with any other provisions herein or to
correct any error, (iii) to amend this Agreement in any respect subject to the
provisions in clauses (A) and (B) below, or (iv) if such amendment, as evidenced
by an Opinion of Counsel (provided by the Person requesting such amendment)
delivered to the Trustee, is reasonably necessary to comply with any
requirements imposed by the Code or any successor or amendatory statute or any
temporary or final regulation, revenue ruling, revenue procedure or other
written official announcement or interpretation relating to federal income tax
laws or any proposed such action which, if made effective, would apply
retroactively to the Trust Fund at least from the effective date of such
amendment; PROVIDED that such action (except any amendment described in (iv)
above) shall not adversely affect in any material respect the interests of any
Certificateholder (other than Certificateholders who shall consent to such
amendment), as evidenced by (A) an Opinion of Counsel (provided by the Person
requesting such amendment) delivered to the Trustee and the NIMS Insurer, and
(B) a letter from each Rating Agency, confirming that such amendment shall not
cause it to lower its rating on any of the Certificates.
This Agreement may also be amended from time to time by the Company,
the Master Servicer, the Securities Administrator and the Trustee with the
consent of the NIMS Insurer and Holders of Certificates entitled to at least
66-2/3% of the Voting Rights 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,
HOWEVER, that no such amendment shall (i) reduce in any manner the amount of, or
delay the timing of, payments received on Mortgage Loans which are required to
be distributed on any Certificate without the consent of the Holder of such
Certificate, (ii) adversely affect in any material respect the interests of the
Holders of any Class of Certificates in a manner other than as described in (i),
without the consent of the Holders of Certificates of such Class evidencing at
least 66-2/3% of the Voting Rights of such Class, or (iii) reduce the aforesaid
percentage of Certificates the Holders of which are required to consent to any
such amendment, without the consent of the Holders of all Certificates then
outstanding. Notwithstanding any other provision of this Agreement, for purposes
of the giving or withholding of consents pursuant to this Section 11.01,
Certificates registered in the name of the Seller, the Trustee, the Securities
Administrator or the Master Servicer or any affiliate thereof shall be entitled
to Voting Rights with respect to matters described in (i), (ii) and (iii) of
this paragraph.
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 (provided
117
by the Person requesting such amendment) and addressed to the Trustee and the
Securities Administrator to the effect that such amendment will not result in
the imposition of any tax on either REMIC 1 or REMIC 2 pursuant to the REMIC
Provisions or cause either REMIC 1 or REMIC 2 to fail to qualify as a REMIC at
any time that any Certificates are outstanding.
Promptly after the execution of any such amendment the Trustee shall
furnish a copy of such amendment or a written statement describing the amendment
to each Certificateholder, with a copy to the Rating Agencies.
It shall not be necessary for the consent of Certificateholders under
this Section 11.01 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.
Prior to executing any amendment pursuant to this Section, the Trustee
shall be entitled to receive (with a copy to the NIMS Insurer) an Opinion of
Counsel (provided by the Person requesting such amendment) to the effect that
such amendment is authorized or permitted by this Agreement. The cost of any
Opinion of Counsel delivered pursuant to this Section 11.01 shall be an expense
of the party requesting such amendment, but in any case shall not be an expense
of the Trustee.
Each of the Trustee and the Securities Administrator may, but shall not
be obligated to, enter into any amendment pursuant to this Section that affects
its rights, duties and immunities under this Agreement or otherwise.
Section 11.02. 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
the counties or other comparable jurisdictions in which any or all of the
properties subject to the Mortgages are situated, and in any other appropriate
public recording office or elsewhere, such recordation to be effected by the
Master Servicer at the expense of the Certificateholders, but only upon
direction of the Company accompanied by an Opinion of Counsel to the effect that
such recordation materially and beneficially affects the interests of the
Certificateholders.
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 11.03. Limitation on Rights of Certificateholders.
The death or incapacity of any Certificateholder shall not operate to
terminate this Agreement
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or the Trust Fund, nor entitle such Certificateholder's legal representatives or
heirs to claim an accounting or to take any action or proceeding in any court
for a partition or winding up of the Trust Fund, nor 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 expressly
provided for 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 of any provision 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 notice of an Event of Default, or of a default
by the Seller or the Trustee in the performance of any obligation hereunder, and
of the continuance thereof, as hereinbefore provided, and unless also the
Holders of Certificates entitled to at least 51% of the Voting Rights shall have
made written request upon 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 is
understood and intended, and 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 of any
provision of this Agreement to affect, disturb or prejudice the rights of the
Holders of any other of such 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 equal,
ratable and common benefit of all Certificateholders. For the protection and
enforcement of the provisions of this Section, each and every Certificateholder
and the Trustee shall be entitled to such relief as can be given either at law
or in equity.
Section 11.04. Governing Law.
This Agreement and the Certificates shall be construed in accordance
with the laws of the State of New York and the obligations, rights and remedies
of the parties hereunder shall be determined in accordance with such laws.
Section 11.05. Notices.
All demands, notices and direction hereunder shall be in writing and
shall be deemed effective upon receipt when delivered to (a) in the case of the
Company, Homestar Mortgage Acceptance Corp., W. 000 Xxxxxxx Xxxx, Xxxxxxx, Xxx
Xxxxxx 00000, Attention: General Counsel, or such other address as may hereafter
be furnished to the other parties hereto in writing; (b) in the
119
case of Master Servicer, Xxxxx Fargo Bank, N.A., X.X. Xxx 00, Xxxxxxxx Xxxxxxxx
00000 (or, in the case of overnight deliveries, 0000 Xxx Xxxxxxxxx Xxxx,
Xxxxxxxx, Xxxxxxxx 21045) (Attention: Corporate Trust Services - HMAC 2004-1),
facsimile no.: (000) 000-0000, or such other address as may hereafter be
furnished to the other parties hereto in writing; (c) in the case of the
securities administrator, the Corporate Trust Office; (d) in the case of the
Trustee, to its Corporate Trust Office, or such other address as may hereafter
be furnished to the other parties hereto in writing; (e) in the case of the
Rating Agencies, Standard & Poor's, 00 Xxxxx Xxxxxx, 00xx Xxxxx, Xxx Xxxx, XX
00000, Attention: Asset Backed Surveillance Department; and Moody's, Xxxxx'x
Investors Service, Inc., Residential Mortgage Monitoring Department, 00 Xxxxxx
Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000; or (f) in the case of the NIMS Insurer, such
address furnished to the Company, the Master Servicer and the Trustee in writing
by the NIMS Insurer. Any notice required or permitted to be mailed to a
Certificateholder shall be given by first class mail, postage prepaid, at the
address of such Holder 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 11.06. 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 11.07. Successors and Assigns.
The provisions of this Agreement shall be binding upon and inure to the
benefit of the respective successors and assigns of the parties hereto, and all
such provisions shall inure to the benefit of the Trustee and the
Certificateholders.
Section 11.08. Article and Section Headings.
The article and Section headings herein are for convenience of
reference only, and shall not limit or otherwise affect the meaning hereof.
Section 11.09. Notice to Rating Agencies and the NIMS Insurer.
The Trustee shall use its best efforts to promptly provide notice to
each Rating Agency and the NIMS Insurer referred to below with respect to each
of the following of which it has actual knowledge:
1. Any material change or amendment to this Agreement;
120
2. The occurrence of any Event of Default that has not been cured;
3. The resignation or termination of the Master Servicer, the
Securities Administrator or the Trustee;
4. The repurchase or substitution of Mortgage Loans pursuant to Section
2.04;
5. The final payment to Certificateholders; and
6. Any change in the location of the Custodial Account or the
Certificate Account.
In addition, the Trustee shall promptly furnish to the Rating Agency
and the NIMS Insurer copies of each report to Certificateholders described in
Section 4.02; and the Master Servicer shall promptly furnish to the Rating
Agency and the NIMS Insurer copies of each annual independent public
accountants' servicing report received as described in Section 3.20.
Any such notice pursuant to this Section 11.09 shall be in writing and
shall be deemed to have been duly given if personally delivered or mailed by
first class mail, postage prepaid, or by express delivery service to (i) in the
case of Standard & Poor's, 00 Xxxxx Xxxxxx, 00xx Xxxxx, Xxx Xxxx, Xxx Xxxx
00000, Attention: Asset Backed Surveillance Department and (ii) in the case of
Xxxxx'x, Residential Mortgage Monitoring Department, 00 Xxxxxx Xxxxxx, Xxx Xxxx,
Xxx Xxxx 00000, or, in each case, such other address as either such Rating
Agency may designate in writing to the parties thereto.
Section 11.10. Third Party Rights.
The NIMS Insurer shall be deemed a third-party beneficiary of this
Agreement to the same extent as if it were a party hereto, and shall have the
right to enforce the provisions of this Agreement. The Seller shall be deemed a
third-party beneficiary of Section 3.25 this Agreement to the same extent as if
it were a party hereto, and shall have the right to enforce the provisions of
such Section. The Servicer shall be deemed a third-party beneficiary of Section
3.25 of this Agreement to the same extent as if it were a party hereto, and
shall have the right to enforce the provisions of such Section.
121
IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee
have caused their names to be signed hereto by their respective officers
thereunto duly authorized all as of the day and year first above written.
HOMESTAR MORTGAGE ACCEPTANCE CORP.,
Company
By: /s/ Xxxxx Xxxxxxxxxxx
-------------------------------------------
Name: Xxxxx Xxxxxxxxxxx
Title: Vice President and Treasurer
XXXXX FARGO BANK, N.A.,
Master Servicer
By: /s/ Xxxxx X. Xxxxxxxxx
-------------------------------------------
Name: Xxxxx X. Xxxxxxxxx
Title: Vice President
HSBC BANK USA,
Trustee
By: /s/ Xxxxxxx Xx
-------------------------------------------
Name: Xxxxxxx Xx
Title: Vice President
XXXXX FARGO BANK, N.A.,
Securities Administrator
By: /s/ Xxxxx X. Xxxxxxxxx
-------------------------------------------
Name: Xxxxx X. Xxxxxxxxx
Title: Vice President
STATE OF NEW JERSEY )
) ss.:
COUNTY OF ____________ )
On the 5th day of March, 2004, before me, a notary public in and for
said State, personally appeared ______________, known to me to be the
_____________ of Homestar Mortgage Acceptance Corp., one of the corporations
that executed the within instrument, and also known to me to be the person who
executed it on behalf of said 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]
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
On the 5th day of March, 2004, before me, a notary public in and for
said State, personally appeared ___________, known to me to be a _____________
of Xxxxx Fargo Bank, N.A., the entity that executed the within instrument, and
also known to me to be the person who executed it on behalf of said entity, and
acknowledged to me that such entity 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 the 5th day of March, 2004, before me, a notary public in and for
said State, personally appeared __________________, known to me to be an
_____________ of HSBC Bank USA, the entity that executed the within instrument,
and also known to me to be the person who executed it on behalf of said entity,
and acknowledged to me that such entity 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 the 5th day of March, 2004, before me, a notary public in and for
said State, personally appeared ______________, known to me to be a
_____________ of Xxxxx Fargo Bank, N.A., the entity that executed the within
instrument, and also known to me to be the person who executed it on behalf of
said entity, and acknowledged to me that such entity 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]
EXHIBIT A
FORM OF CLASS A CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS 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 SHALL INITIALLY BE ISSUED AS ONE OR MORE CERTIFICATES
REGISTERED IN THE NAME OF THE DEPOSITORY OR ITS NOMINEE AND, EXCEPT AS PROVIDED
BELOW, REGISTRATION OF SUCH CERTIFICATES MAY NOT BE TRANSFERRED BY THE TRUSTEE
EXCEPT TO ANOTHER DEPOSITORY THAT AGREES TO HOLD SUCH CERTIFICATES FOR THE
RESPECTIVE CERTIFICATE OWNERS WITH OWNERSHIP INTERESTS THEREIN. THE CERTIFICATE
OWNERS SHALL HOLD THEIR RESPECTIVE OWNERSHIP INTERESTS IN AND TO EACH OF SUCH
BOOK-ENTRY CERTIFICATES THROUGH THE BOOK-ENTRY FACILITIES OF THE DEPOSITORY AND,
EXCEPT AS PROVIDED BELOW, SHALL NOT BE ENTITLED TO DEFINITIVE CERTIFICATES IN
RESPECT OF SUCH OWNERSHIP INTERESTS. ALL TRANSFERS BY CERTIFICATE OWNERS OF
THEIR RESPECTIVE OWNERSHIP IN THE BOOK-ENTRY CERTIFICATES SHALL BE MADE IN
ACCORDANCE WITH THE PROCEDURES ESTABLISHED BY THE DEPOSITORY PARTICIPANT OR
BROKERAGE FIRM REPRESENTING SUCH CERTIFICATE OWNER. EACH DEPOSITORY PARTICIPANT
SHALL TRANSFER THE OWNERSHIP INTERESTS ONLY IN THE 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. THE TRUSTEE SHALL
NOT BE REQUIRED TO MONITOR, DETERMINE OR INQUIRE AS TO COMPLIANCE WITH THE
TRANSFER RESTRICTIONS WITH RESPECT TO THE BOOK-ENTRY CERTIFICATES, AND THE
TRUSTEE SHALL HAVE NO LIABILITY FOR TRANSFERS OF OWNERSHIP INTERESTS IN THE
BOOK-ENTRY CERTIFICATES MADE THROUGH THE BOOK-ENTRY FACILITIES OF THE DEPOSITORY
OR BETWEEN OR AMONG DEPOSITORY PARTICIPANTS OR CERTIFICATE OWNERS, MADE IN
VIOLATION OF THE APPLICABLE RESTRICTIONS.
A-1
Certificate No. 1 _____% Initial Pass-Through Rate
Class A
Date of Pooling and Servicing Percentage Interest:____%
Agreement and Cut-off Date:
March 1, 2004
First Distribution Date: Aggregate Initial Certificate Principal Balance
April 26, 2004 of the Class A Certificates:
$______________
Master Servicer: Initial Certificate Principal
Xxxxx Fargo Bank, National Association Balance of this Certificate:
$______________
Assumed Final CUSIP:__________
Distribution Date:
April 25, 2034
ASSET-BACKED PASS-THROUGH CERTIFICATE
SERIES 2004-1
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 one- to four-family adjustable and fixed-rate
first lien mortgage loans formed and sold by HOMESTAR MORTGAGE
ACCEPTANCE CORP.
This Certificate is payable solely from the assets of the Trust Fund,
and does not represent an obligation of or interest in Homestar Mortgage
Acceptance Corp., the Master Servicer, the Securities Administrator, the Trustee
referred to below or any of their affiliates. Neither this Certificate nor the
underlying Mortgage Loans are guaranteed or insured by any governmental agency
or instrumentality or by Homestar Mortgage Acceptance Corp., the Master
Servicer, the Securities Administrator, the Trustee or any of their affiliates.
None of the Company, the Master Servicer, the Securities Administrator 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 by this Certificate (obtained by dividing the
Initial Certificate Principal Balance of this Certificate by the aggregate
Initial Certificate Principal Balance of all Class A- ___ Certificates, both as
specified above) in certain distributions with respect to the Trust Fund
consisting primarily of an interest in a pool of one- to four-family fixed-rate
and adjustable-rate first lien mortgage loans (the "Mortgage Loans"), sold by
Homestar Mortgage Acceptance Corp. (hereinafter called the "Company," which term
includes any successor entity under the Agreement referred to below). The
A-2
Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as
specified above (the "Agreement") among the Company, the Master Servicer, the
Securities Administrator and HSBC Bank USA, as trustee (the "Trustee"), a
summary of certain of the pertinent provisions of which is set forth hereafter.
To the extent not defined herein, the capitalized terms used herein have the
meanings assigned 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 the acceptance hereof
assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the Distribution Date"), commencing as
described in the Agreement, 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 (the "Record Date"),
from the Available Distribution Amount in 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 Holders of Class A- ___
Certificates on such Distribution Date.
Distributions on this Certificate will be made by the
Securities Administrator either in immediately available funds (by wire transfer
or otherwise) for the account of the Person entitled thereto if such Person
shall have so notified the Securities Administrator and the Trustee at least 5
Business Days prior to the related Record Date, or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.
Any transferee shall be deemed to have made the representation
set forth in Section 5.02(c) of the Agreement.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice 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 in the City of
Minneapolis and State of Minnesota. 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.
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Asset-Backed Pass-Through
Certificates of the Series specified hereon (herein collectively called the
"Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
A-3
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation reimbursement to the Trustee, the Company and the Master
Servicer of advances made, or certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer, the Securities Administrator
and the Trustee and the rights of the Certificateholders under the Agreement at
any time by the Company, the Master Servicer, the Securities Administrator and
the Trustee with the consent of the NIMS Insurer and the Holders of Certificates
evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of
each Class of Certificates affected thereby. 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 exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of 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, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and 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 of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Securities
Administrator, the Servicer and the Trustee and any agent of the Company, the
Master Servicer, the Securities Administrator, the Servicer or the Trustee may
treat the Person in whose name this Certificate is registered as the owner
hereof for all purposes, and neither the Company, the Master Servicer, the
Securities Administrator, the Servicer, the Trustee nor any such agent shall be
affected by notice to the contrary.
A-4
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the purchase by the Servicer or its designee (or if the Servicer fails to
exercise such option, the NIMS Insurer) or the Master Servicer from the Trust
Fund of all remaining Mortgage Loans and each REO Property in respect thereof
remaining in the Trust Fund, thereby effecting early retirement of the
Certificates and (ii) the final payment or other liquidation (or any Advance
with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or
the disposition of all REO Property in respect thereof). The Agreement permits,
but does not require, the Servicer, or, if the Servicer does not exercise this
right, the NIMS Insurer, or the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO
Property; provided, that any such option may only be exercised on or after the
first Distribution Date on which the aggregate unpaid balance of the Mortgage
Loans is less than or equal to ten percent of the aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase
by the Servicer or the NIMS Insurer, or on or after the first Distribution Date
on which the aggregate unpaid principal balance of the Mortgage Loans is less
than or equal to five percent of the aggregate Stated Principal Balance of the
Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master
Servicer.
Unless the certificate of authentication hereon has been
executed by the Trustee, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
A-5
IN WITNESS WHEREOF, the Securities Administrator has caused this
Certificate to be duly executed.
Dated: March __, 2004 XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
as Securities Administrator
By:_____________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
-----------------------------
This is one of the Class A-____ Certificates referred to in the
within-mentioned Agreement.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
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 Mortgage Pass-Through 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 __________________, the
assignee named above, or ________________, as its agent.
EXHIBIT B-1
FORM OF CLASS M CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR
CERTIFICATES, [THE CLASS M-1 CERTIFICATES] [AND THE CLASS M-2 CERTIFICATES][AND
THE CLASS M-3 CERTIFICATES] [AND THE CLASS M-4 CERTIFICATES] [AND THE CLASS M-5
CERTIFICATES] [AND THE CLASS M-6 CERTIFICATES] [AND THE CLASS M-7 CERTIFICATES]
AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW).
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS 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 SHALL INITIALLY BE ISSUED AS ONE OR MORE CERTIFICATES
REGISTERED IN THE NAME OF THE DEPOSITORY OR ITS NOMINEE AND, EXCEPT AS PROVIDED
BELOW, REGISTRATION OF SUCH CERTIFICATES MAY NOT BE TRANSFERRED BY THE TRUSTEE
EXCEPT TO ANOTHER DEPOSITORY THAT AGREES TO HOLD SUCH CERTIFICATES FOR THE
RESPECTIVE CERTIFICATE OWNERS WITH OWNERSHIP INTERESTS THEREIN. THE CERTIFICATE
OWNERS SHALL HOLD THEIR RESPECTIVE OWNERSHIP INTERESTS IN AND TO EACH OF SUCH
BOOK-ENTRY CERTIFICATES THROUGH THE BOOK-ENTRY FACILITIES OF THE DEPOSITORY AND,
EXCEPT AS PROVIDED BELOW, SHALL NOT BE ENTITLED TO DEFINITIVE CERTIFICATES IN
RESPECT OF SUCH OWNERSHIP INTERESTS. ALL TRANSFERS BY CERTIFICATE OWNERS OF
THEIR RESPECTIVE OWNERSHIP IN THE BOOK-ENTRY CERTIFICATES SHALL BE MADE IN
ACCORDANCE WITH THE PROCEDURES ESTABLISHED BY THE DEPOSITORY PARTICIPANT OR
BROKERAGE FIRM REPRESENTING SUCH CERTIFICATE OWNER. EACH DEPOSITORY PARTICIPANT
SHALL TRANSFER THE OWNERSHIP INTERESTS ONLY IN THE 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. THE TRUSTEE SHALL
NOT BE REQUIRED TO MONITOR, DETERMINE OR INQUIRE AS TO COMPLIANCE WITH THE
TRANSFER RESTRICTIONS WITH RESPECT TO THE BOOK-ENTRY CERTIFICATES, AND THE
TRUSTEE SHALL HAVE NO LIABILITY FOR TRANSFERS OF OWNERSHIP INTERESTS IN THE
BOOK-ENTRY CERTIFICATES MADE THROUGH THE BOOK-ENTRY FACILITIES OF THE DEPOSITORY
OR BETWEEN OR AMONG DEPOSITORY PARTICIPANTS OR CERTIFICATE OWNERS, MADE IN
VIOLATION OF THE APPLICABLE RESTRICTIONS.
B-1-1
ANY TRANSFEREE SHALL BE DEEMED TO HAVE MADE THE REPRESENTATION SET
FORTH IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT.
B-1-2
Certificate No.______ _______% Initial Pass-Through Rate
Class [M-__][Mezzanine] Aggregate Initial Certificate Principal
Balance of the Class
[M-__] Certificates:
$____________
Date of Pooling and Servicing Initial Certificate Principal Balance of this
Agreement and Cut-off Date: Certificate:
March 1, 2004 $__________________
First Distribution Date: CUSIP:______________
April 26, 2004
Master Servicer:
Xxxxx Fargo Bank, National Association
Assumed Final Distribution Date:
_____________
ASSET-BACKED PASS-THROUGH CERTIFICATE
SERIES 2004-1
evidencing a percentage interest in any distributions allocable to the
Class M-__ Certificates with respect to the Trust Fund consisting
primarily of a pool of one- to four-family adjustable and fixed-rate
first lien mortgage loans formed and sold by HOMESTAR MORTGAGE
ACCEPTANCE CORP.
This Certificate is payable solely from the assets of the
Trust Fund, and does not represent an obligation of or interest in Homestar
Mortgage Acceptance Corp., the Master Servicer, the Servicer, the Seller, the
Securities Administrator, the Trustee referred to below or any of their
affiliates. Neither this Certificate nor the underlying Mortgage Loans are
guaranteed or insured by any governmental agency or instrumentality or by
Homestar Mortgage Acceptance Corp., the Master Servicer, the Servicer, the
Seller, the Securities Administrator, the Trustee or any of their affiliates.
None of Homestar Mortgage Acceptance Corp., the Master Servicer, the Servicer,
the Seller, the Securities Administrator 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 by this Certificate (obtained by dividing the
Initial Certificate Principal Balance of this Certificate by the aggregate
Initial Certificate Principal Balance of all Class M-__ Certificates, both as
specified above) in certain distributions with respect to the Trust Fund
consisting primarily of an interest in a pool of one- to four-family fixed-rate
and adjustable-rate first lien mortgage loans (the "Mortgage Loans"), sold by
Homestar Mortgage Acceptance Corp. (hereinafter called the
B-1-3
"Company," which term includes any successor entity under the Agreement referred
to below). The Trust Fund was created pursuant to a Pooling and Servicing
Agreement dated as specified above (the "Agreement") among the Company, the
Master Servicer, the Securities Administrator and HSBC Bank USA, as trustee (the
"Trustee"), a summary of certain of the pertinent provisions of which is set
forth hereafter. To the extent not defined herein, the capitalized terms used
herein have the meanings assigned 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 the acceptance
hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the Distribution Date"), commencing as
described in the Agreement, 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 (the "Record Date"),
from the Available Distribution Amount in 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 Holders of Class M-__
Certificates on such Distribution Date.
Distributions on this Certificate will be made by the
Securities Administrator either in immediately available funds (by wire transfer
or otherwise) for the account of the Person entitled thereto if such Person
shall have so notified the Securities Administrator and the Trustee at least 5
Business Days prior to the related Record Date, or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.
Any transferee shall be deemed to have made the representation
set forth in Section 5.02(c) of the Agreement.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice 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 in the City of
Minneapolis and State of Minnesota. 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.
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Asset-Backed Pass-Through
Certificates of the Series specified hereon (herein collectively called the
"Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
B-1-4
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation reimbursement to the Trustee, the Company and the Master
Servicer of advances made, or certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer, the Securities Administrator
and the Trustee and the rights of the Certificateholders under the Agreement at
any time by the Company, the Master Servicer, the Securities Administrator and
the Trustee with the consent of the NIMS Insurer and the Holders of Certificates
evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of
each Class of Certificates affected thereby. 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 exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of 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, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and 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 of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Securities
Administrator, the Servicer and the Trustee and any agent of the Company, the
Master Servicer, the Securities Administrator, the Servicer or the Trustee may
treat the Person in whose name this Certificate is registered as the owner
hereof for all purposes, and neither the Company, the Master Servicer, the
Securities Administrator, the Servicer, the Trustee nor any such agent shall be
affected by notice to the contrary.
B-1-5
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the purchase by the Servicer or its designee (or if the Servicer fails to
exercise such option, the NIMS Insurer) or the Master Servicer from the Trust
Fund of all remaining Mortgage Loans and each REO Property in respect thereof
remaining in the Trust Fund, thereby effecting early retirement of the
Certificates and (ii) the final payment or other liquidation (or any Advance
with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or
the disposition of all REO Property in respect thereof). The Agreement permits,
but does not require, the Servicer, or, if the Servicer does not exercise this
right, the NIMS Insurer, or the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO
Property; provided, that any such option may only be exercised on or after the
first Distribution Date on which the aggregate unpaid balance of the Mortgage
Loans is less than or equal to ten percent of the aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase
by the Servicer or the NIMS Insurer, or on or after the first Distribution Date
on which the aggregate unpaid principal balance of the Mortgage Loans is less
than or equal to five percent of the aggregate Stated Principal Balance of the
Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master
Servicer.
Unless the certificate of authentication hereon has been
executed by the Trustee, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
B-1-6
IN WITNESS WHEREOF, the Securities Administrator has caused this
Certificate to be duly executed.
Dated: March __, 2004 XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
as Securities Administrator
By:_____________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
-----------------------------
This is one of the Class M-____ Certificates referred to in the
within-mentioned Agreement.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
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 Mortgage Pass-Through 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 __________________, the
assignee named above, or ________________, as its agent.
EXHIBIT B-2
FORM OF CLASS C CERTIFICATES
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A,
AND CLASS M CERTIFICATES AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW).
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS 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 REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED (THE "ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED
FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE
PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.
NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER
RETIREMENT ARRANGEMENT (EACH A "PLAN") SUBJECT TO THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED ("ERISA"), SHALL BE MADE EXCEPT IN COMPLIANCE
WITH THE PROCEDURES DESCRIBED HEREIN.
B-2-1
Certificate No. 1
Class C Aggregate Initial Notional Amount of the
Class C Certificates:
$_________________
Date of Pooling and Servicing Initial Notional Amount
Agreement and Cut-off Date: of this Certificate ("Denomination"):
March 1, 2004 $______________
First Distribution Date: Initial Certificate Principal Balance of
April 26, 2004 this Certificate ("Denomination"):
$______________
Master Servicer: CUSIP:
Xxxxx Fargo Bank, National Association
Assumed Final Distribution Date: Percentage Interest of this Certificate:
______________ 100.00%
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2004-1
evidencing percentage interest in the distributions allocable to the
Class C Certificates with respect to a Trust Fund consisting primarily
of a pool of one- to four- family adjustable and fixed-rate first lien
mortgage loans formed and sold by HOMESTAR MORTGAGE ACCEPTANCE CORP.
This Certificate is payable solely from the assets of the
Trust Fund, and does not represent an obligation of or interest in Homestar
Mortgage Acceptance Corp., the Master Servicer, the Servicer, the Seller, the
Securities Administrator, the Trustee referred to below or any of their
affiliates. Neither this Certificate nor the underlying Mortgage Loans are
guaranteed or insured by any governmental agency or instrumentality or by
Homestar Mortgage Acceptance Corp., the Master Servicer, the Servicer, the
Seller, the Securities Administrator, the Trustee or any of their affiliates.
None of Homestar Mortgage Acceptance Corp., the Master Servicer, the Servicer,
the Seller, the Securities Administrator 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 by this Certificate (obtained by
dividing the Original Class C Certificate by the Original Class Certificate
Principal Balance) in certain distributions with respect to the Trust Fund
consisting primarily of an interest in a pool of one- to four-family fixed-rate
and adjustable-rate first lien mortgage loans (the "Mortgage Loans"), sold by
Homestar Mortgage Acceptance Corp. (hereinafter called the "Company," which term
includes any successor entity under the Agreement
B-2-2
referred to below). The Trust Fund was created pursuant to a Pooling and
Servicing Agreement dated as specified above (the "Agreement") among the
Company, the Master Servicer, the Securities Administrator and HSBC Bank USA, as
trustee (the "Trustee"), a summary of certain of the pertinent provisions of
which is set forth hereafter. To the extent not defined herein, the capitalized
terms used herein have the meanings assigned in the Agreement. This Class C
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 the acceptance hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the Distribution Date"), commencing as
described in the Agreement, 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 (the "Record Date"),
from the Available Distribution Amount in 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 Holders of Class C
Certificates on such Distribution Date.
Distributions on this Certificate will be made by the
Securities Administrator either in immediately available funds (by wire transfer
or otherwise) for the account of the Person entitled thereto if such Person
shall have so notified the Securities Administrator and the Trustee at least 5
Business Days prior to the related Record Date, or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice 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 in the City of
Minneapolis and State of Minnesota.
This Certificate is one of a duly authorized issue of
Certificates issued in several Classes designated as Asset-Backed Pass-Through
Certificates of the Series specified hereon (herein collectively called the
"Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation reimbursement to the Trustee, the Company and the Master
Servicer of advances made, or certain expenses incurred, by either of them.
B-2-3
No transfer of a Certificate of this Class shall be made
unless such transfer is made pursuant to an effective registration statement
under the Act and any applicable state securities laws or is exempt from the
registration requirements under said Act and such laws. In the event that a
transfer is to be made in reliance upon an exemption from the Act and such laws,
in order to assure compliance with the 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 Company in writing the
facts surrounding the transfer. In the event that such a transfer is not to be
made pursuant to Rule 144A of the act, there shall be delivered to the Trustee
and the Company of an Opinion of Counsel that such transfer may be made pursuant
to an exemption from the Act, which Opinion of Counsel shall not be obtained at
the expense of the Trustee, the Master Servicer or the Company; or there shall
be delivered to the Trustee and the Company a transferor certificate by the
transferor and an investment letter shall be executed by the transferee. The
Holder hereof desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Company 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 Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any person using Plan Assets to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer, the Securities Administrator
and the Trustee and the rights of the Certificateholders under the Agreement at
any time by the Company, the Master Servicer, the Securities Administrator and
the Trustee with the consent of the NIMS Insurer and the Holders of Certificates
evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of
each Class of Certificates affected thereby. 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 exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of 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, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and 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 of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
B-2-4
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Securities
Administrator, the Servicer and the Trustee and any agent of the Company, the
Master Servicer, the Securities Administrator, the Servicer or the Trustee may
treat the Person in whose name this Certificate is registered as the owner
hereof for all purposes, and neither the Company, the Master Servicer, the
Securities Administrator, the Servicer, the Trustee nor any such agent shall be
affected by notice to the contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the purchase by the Servicer or its designee (or if the Servicer fails to
exercise such option, the NIMS Insurer) or the Master Servicer from the Trust
Fund of all remaining Mortgage Loans and each REO Property in respect thereof
remaining in the Trust Fund, thereby effecting early retirement of the
Certificates and (ii) the final payment or other liquidation (or any Advance
with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or
the disposition of all REO Property in respect thereof). The Agreement permits,
but does not require, the Servicer, or, if the Servicer does not exercise this
right, the NIMS Insurer, or the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO
Property; provided, that any such option may only be exercised on or after the
first Distribution Date on which the aggregate unpaid balance of the Mortgage
Loans is less than or equal to ten percent of the aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase
by the Servicer or the NIMS Insurer, or on or after the first Distribution Date
on which the aggregate unpaid principal balance of the Mortgage Loans is less
than or equal to five percent of the aggregate Stated Principal Balance of the
Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master
Servicer.
Unless the certificate of authentication hereon has been
executed by the Trustee, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
B-2-5
IN WITNESS WHEREOF, the Securities Administrator has caused this
Certificate to be duly executed.
Dated: March __, 2004 XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
as Securities Administrator
By:_____________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
-----------------------------
This is one of the Class C Certificates referred to in the
within-mentioned Agreement.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
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 Mortgage Pass-Through 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 __________________, the
assignee named above, or ________________, as its agent.
EXHIBIT B-3
FORM OF CLASS P CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS 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").
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED (THE "ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED
FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH THE
PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.
NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR OTHER
RETIREMENT ARRANGEMENT (EACH A "PLAN") SUBJECT TO THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED ("ERISA"), SHALL BE MADE EXCEPT IN COMPLIANCE
WITH THE PROCEDURES DESCRIBED HEREIN.
B-3-1
Certificate No. 1
Class P Aggregate Initial Certificate Principal
Balance of the Class P Certificates:
$100.00
Date of Pooling and Servicing Initial Certificate Principal Balance
Agreement and Cut-off Date: of this Certificate ("Denomination"):
March 1, 2004 $100.00
First Distribution Date: Percentage Interest of this Certificate:
April 26, 2004 100.00%
Master Servicer: CUSIP:
Xxxxx Fargo Bank, National Association
Assumed Final Distribution Date:
_______________
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2004-1
evidencing a percentage interest in any distributions allocable to the
Class P Certificates with respect to the Trust Fund consisting
primarily of a pool of one- to four-family adjustable and fixed-rate
first lien mortgage loans formed and sold by HOMESTAR MORTGAGE
ACCEPTANCE CORP.
This Certificate is payable solely from the assets of the
Trust Fund, and does not represent an obligation of or interest in Homestar
Mortgage Acceptance Corp., the Master Servicer, the Servicer, the Seller, the
Securities Administrator, the Trustee referred to below or any of their
affiliates. Neither this Certificate nor the underlying Mortgage Loans are
guaranteed or insured by any governmental agency or instrumentality or by
Homestar Mortgage Acceptance Corp., the Master Servicer, the Servicer, the
Seller, the Securities Administrator, the Trustee or any of their affiliates.
None of Homestar Mortgage Acceptance Corp., the Master Servicer, the Servicer,
the Seller, the Securities Administrator 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 by this Class P Certificate (obtained
by dividing the Denomination of this Class P Certificate by the Original Class
Certificate Principal Balance) in certain distributions with respect to the
Trust Fund consisting primarily of an interest in a pool of one- to four-family
fixed-rate and adjustable-rate first lien mortgage loans (the "Mortgage Loans"),
sold by Homestar Mortgage Acceptance Corp. (hereinafter called the "Company,"
which term includes any successor entity under
B-3-2
the Agreement referred to below). The Trust Fund was created pursuant to a
Pooling and Servicing Agreement dated as specified above (the "Agreement") among
the Company, the Master Servicer, the Securities Administrator and HSBC Bank
USA, as trustee (the "Trustee"), a summary of certain of the pertinent
provisions of which is set forth hereafter. To the extent not defined herein,
the capitalized terms used herein have the meanings assigned 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 the acceptance hereof assents and by which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the Distribution Date"), commencing as
described in the Agreement, 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 (the "Record Date"),
from the Available Distribution Amount in 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 Holders of Class P
Certificates on such Distribution Date.
Distributions on this Certificate will be made by the
Securities Administrator either in immediately available funds (by wire transfer
or otherwise) for the account of the Person entitled thereto if such Person
shall have so notified the Securities Administrator and the Trustee at least 5
Business Days prior to the related Record Date, or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.
Notwithstanding the above, the final distribution on this
Certificate will be made after due notice 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 in the City of
Minneapolis and State of Minnesota. 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. This
Certificate is one of a duly authorized issue of Certificates issued in several
Classes designated as Asset-Backed Pass-Through Certificates of the Series
specified hereon (herein collectively called the "Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
B-3-3
without limitation reimbursement to the Trustee, the Company and the Master
Servicer of advances made, or certain expenses incurred, by either of them.
No transfer of a Certificate of this Class shall be made
unless such transfer is made pursuant to an effective registration statement
under the Act and any applicable state securities laws or is exempt from the
registration requirements under said Act and such laws. In the event that a
transfer is to be made in reliance upon an exemption from the Act and such laws,
in order to assure compliance with the 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 Company in writing the
facts surrounding the transfer. In the event that such a transfer is not to be
made pursuant to Rule 144A of the Act, there shall be delivered to the Trustee
and the Company of an Opinion of Counsel that such transfer may be made pursuant
to an exemption from the Act, which Opinion of Counsel shall not be obtained at
the expense of the Trustee, the Master Servicer or the Company; or there shall
be delivered to the Trustee and the Company a transferor certificate by the
transferor and an investment letter shall be executed by the transferee. The
Holder hereof desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Company 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 Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any person using Plan Assets to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer and the Trustee and the rights
of the Certificateholders under the Agreement at any time by the Company, the
Master Servicer and the Trustee with the consent of the Holders of Certificates
evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of
each Class of Certificates affected thereby. 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 exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of 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, duly endorsed by, or accompanied by an assignment in the form
below or other written instrument of transfer in form satisfactory to the
Trustee and the Securities Administrator duly executed by the Holder hereof or
such Holder's attorney duly authorized in writing, and
B-3-4
thereupon one or more new Certificates of authorized denominations evidencing
the same Class and aggregate Percentage Interest will be issued to the
designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Securities
Administrator, the Servicer and the Trustee and any agent of the Company, the
Master Servicer, the Securities Administrator, the Servicer or the Trustee may
treat the Person in whose name this Certificate is registered as the owner
hereof for all purposes, and neither the Company, the Master Servicer, the
Securities Administrator, the Servicer, the Trustee nor any such agent shall be
affected by notice to the contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the purchase by the Servicer or its designee (or if the Servicer fails to
exercise such option, the NIMS Insurer) or the Master Servicer from the Trust
Fund of all remaining Mortgage Loans and each REO Property in respect thereof
remaining in the Trust Fund, thereby effecting early retirement of the
Certificates and (ii) the final payment or other liquidation (or any Advance
with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or
the disposition of all REO Property in respect thereof). The Agreement permits,
but does not require, the Servicer, or, if the Servicer does not exercise this
right, the NIMS Insurer, or the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO
Property; provided, that any such option may only be exercised on or after the
first Distribution Date on which the aggregate unpaid balance of the Mortgage
Loans is less than or equal to ten percent of the aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase
by the Servicer or the NIMS Insurer, or on or after the first Distribution Date
on which the aggregate unpaid principal balance of the Mortgage Loans is less
than or equal to five percent of the aggregate Stated Principal Balance of the
Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master
Servicer.
B-3-5
Unless the certificate of authentication hereon has been
executed by the Trustee, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
B-3-6
IN WITNESS WHEREOF, the Securities Administrator has caused this
Certificate to be duly executed.
Dated: March __, 2004 XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
as Securities Administrator
By:_____________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
-----------------------------
This is one of the Class P Certificates referred to in the
within-mentioned Agreement.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
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 Mortgage Pass-Through 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 __________________, the
assignee named above, or ________________, as its agent.
EXHIBIT B-4
FORM OF CLASS R CERTIFICATE
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 5.02(C) OF THE
AGREEMENT OR AN OPINION OF COUNSEL AS PROVIDED IN SECTION 5.02(C) THAT THE
PURCHASE OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT
CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION 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 MASTER SERVICER, THE
SECURITIES ADMINISTRATOR, THE COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR
LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT
(THE "AGREEMENT").
THIS CLASS R CERTIFICATE HAS NO PRINCIPAL BALANCE, DOES NOT
BEAR INTEREST AND WILL NOT RECEIVE ANY DISTRIBUTIONS EXCEPT AS
PROVIDED HEREIN.
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE
MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER
SERVICER AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES,
ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY
INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE
FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE 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, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(A)(2)(C) OF THE CODE, (ANY
SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B) OR (C) BEING HEREIN
REFERRED TO AS A "DISQUALIFIED ORGANIZATION") OR (D) AN AGENT OF A DISQUALIFIED
ORGANIZATION, (2) NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR
COLLECTION OF TAX AND (3) SUCH TRANSFEREE
B-4-1
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, 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.
B-4-2
Certificate No. 1
Class R Senior
Date of Pooling and, Servicing
Agreement and Cut-off Date:
March 1, 2004 Percentage Interest: 100.00%
First Distribution Date:
April 26, 2004 CUSIP:
Master Servicer:
Xxxxx Fargo Bank, National Association
Assumed Final Distribution Date:
________________
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2004-1
evidencing a percentage interest in any distributions allocable to the
Class R Certificates with respect to a Trust Fund consisting primarily
of a pool of one- to four-family adjustable and fixed-rate first lien
mortgage loans formed and sold by HOMESTAR MORTGAGE ACCEPTANCE CORP.
This Certificate is payable solely from the assets of the
Trust Fund, and does not represent an obligation of or interest in Homestar
Mortgage Acceptance Corp., the Master Servicer, the Servicer, the Seller, the
Securities Administrator, the Trustee referred to below or any of their
affiliates. Neither this Certificate nor the underlying Mortgage Loans are
guaranteed or insured by any governmental agency or instrumentality or by
Homestar Mortgage Acceptance Corp., the Master Servicer, the Servicer, the
Seller, the Securities Administrator, the Trustee or any of their affiliates.
None of Homestar Mortgage Acceptance Corp., the Master Servicer, the Servicer,
the Seller, the Securities Administrator 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.
B-4-3
This certifies that ___________________ is the registered
owner of the Percentage Interest evidenced by this Certificate in certain
distributions with respect to the Trust Fund consisting primarily of an interest
in a pool of one- to four-family fixed-rate and adjustable-rate first lien
mortgage loans (the "Mortgage Loans"), sold by Homestar Mortgage Acceptance
Corp. (hereinafter called the "Company," which term includes any successor
entity under the Agreement referred to below). The Trust Fund was created
pursuant to a Pooling and Servicing Agreement dated as specified above (the
"Agreement") among the Company, the Master Servicer, the Securities
Administrator and HSBC Bank USA, as trustee (the "Trustee"), a summary of
certain of the pertinent provisions of which is set forth hereafter. To the
extent not defined herein, the capitalized terms used herein have the meanings
assigned 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 the acceptance hereof assents and by
which such Holder is bound.
Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a Business Day,
the Business Day immediately following (the Distribution Date"), commencing as
described in the Agreement, 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 (the "Record Date"),
from the Available Distribution Amount in 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 Holders of Class R
Certificates on such Distribution Date.
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 United States Person and 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
United States Person and 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 United States Person
and a Permitted Transferee acquires any Ownership Interest in this Certificate
in violation of such restrictions, then the Company 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 Company, which purchaser may be
the Company, or any affiliate of the Company, on such terms and conditions as
the Company may choose.
Notwithstanding the above, the final distribution on this Certificate
will be made after due notice 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 in the City of Minneapolis and
State of Minnesota.
In connection with any transfer of this Certificate, the
Trustee will also require either (i) an opinion of counsel acceptable to and in
form and substance satisfactory to the Trustee with
B-4-4
respect to the permissibility of such transfer under the Employee Retirement
Income Security Act of 1974, as amended ("ERISA") and Section 4975 of the
Internal Revenue Code (the "Code") and stating, among other things, that the
transferee's acquisition of a Class R Certificate will not constitute or result
in a non-exempt prohibited transaction under Section 406 of ERISA or Section
4975 of the Code or (ii) a representation letter, 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 (including an investment manager, a
named fiduciary or a trustee of any Plan) 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 issued in several Classes designated as Asset-Backed Pass-Through
Certificates of the Series specified hereon (herein collectively called the
"Certificates").
The Certificates are limited in right of payment to certain
collections and recoveries respecting the Mortgage Loans, all as more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds are advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Master Servicer, to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
As provided in the Agreement, withdrawals from the Custodial
Account and/or the Certificate Account created for the benefit of
Certificateholders may be made by the Master Servicer from time to time for
purposes other than distributions to Certificateholders, such purposes including
without limitation reimbursement to the Trustee, the Company and the Master
Servicer of advances made, or certain expenses incurred, by either of them.
The Agreement permits, with certain exceptions therein
provided, the amendment of the Agreement and the modification of the rights and
obligations of the Company, the Master Servicer, the Securities Administrator
and the Trustee and the rights of the Certificateholders under the Agreement at
any time by the Company, the Master Servicer, the Securities Administrator and
the Trustee with the consent of the NIMS Insurer and the Holders of Certificates
evidencing in the aggregate not less than 66-2/3% of the Percentage Interests of
each Class of Certificates affected thereby. 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 exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the Certificate. The Agreement also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain additional circumstances, without the
consent of the Holders of certain Classes of 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, duly endorsed by, or accompanied by an assignment in the form
below or other
B-4-5
written instrument of transfer in form satisfactory to the Trustee and 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
of authorized denominations evidencing the same Class and aggregate Percentage
Interest will be issued to the designated transferee or transferees.
The Certificates are issuable only as registered Certificates
without coupons in Classes and in denominations specified in the Agreement. As
provided in the Agreement and subject to certain limitations therein set forth,
Certificates are exchangeable for new Certificates of authorized denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.
No service charge will be made for any such registration of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.
The Company, the Master Servicer, the Securities Administrator, the
Servicer and the Trustee and any agent of the Company, the Master Servicer, the
Securities Administrator, the Servicer or the Trustee may treat the Person in
whose name this Certificate is registered as the owner hereof for all purposes,
and neither the Company, the Master Servicer, the Securities Administrator, the
Servicer, the Trustee nor any such agent shall be affected by notice to the
contrary.
This Certificate shall be governed by and construed in
accordance with the laws of the State of New York.
The obligations created by the Agreement in respect of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to Certificateholders of all amounts held by or on behalf of the Trustee and
required to be paid to them pursuant to the Agreement following the earlier of
(i) the purchase by the Servicer or its designee (or if the Servicer fails to
exercise such option, the NIMS Insurer) or the Master Servicer from the Trust
Fund of all remaining Mortgage Loans and each REO Property in respect thereof
remaining in the Trust Fund, thereby effecting early retirement of the
Certificates and (ii) the final payment or other liquidation (or any Advance
with respect thereto) of the last Mortgage Loan remaining in the Trust Fund (or
the disposition of all REO Property in respect thereof). The Agreement permits,
but does not require, the Servicer, or, if the Servicer does not exercise this
right, the NIMS Insurer, or the Master Servicer to purchase at a price
determined as provided in the Agreement all remaining Mortgage Loans and all REO
Property; provided, that any such option may only be exercised on or after the
first Distribution Date on which the aggregate unpaid balance of the Mortgage
Loans is less than or equal to ten percent of the aggregate Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date with respect to a purchase
by the Servicer or the NIMS Insurer, or on or after the first Distribution Date
on which the aggregate unpaid principal balance of the Mortgage Loans is less
than or equal to five percent of the aggregate Stated Principal Balance of the
Mortgage Loans as of the Cut-off Date with respect to a purchase by the Master
Servicer.
B-4-6
Reference is hereby made to the further provisions of this
Certificate set forth on the reverse hereof, which further provisions shall for
all purpose have the same effect as if set forth at this place.
Unless the certificate of authentication hereon has been
executed by the Trustee, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.
B-4-7
IN WITNESS WHEREOF, the Securities Administrator has caused this
Certificate to be duly executed.
Dated: March __, 2004 XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
as Securities Administrator
By:_____________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
-----------------------------
This is one of the Class R Certificates referred to in the
within-mentioned Agreement.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
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 Mortgage Pass-Through 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 __________________, the
assignee named above, or ________________, as its agent.
EXHIBIT C
FORM OF CUSTODIAN INITIAL CERTIFICATION
March __, 2004
HSBC Bank USA Homestar Mortgage Acceptance Corp.
000 Xxxxx Xxxxxx X. 000 Xxxxxxx Xxxx
Xxx Xxxx, Xxx Xxxx 00000 Xxxxxxx, Xxx Xxxxxx 00000
Attention: Homestar Mortgage Acceptance Corp.,
HMAC Mortgage Trust 2004-1, Asset-Backed Pass-Through Certificates,
Series 2004-1
Re: Custodial Agreement, dated as of March 5, 2004, by and among
HSBC Bank USA, Homestar Mortgage Acceptance Corp. and Xxxxx
Fargo Bank, National Association relating to HMAC Mortgage
Trust 2004-1, Asset-Backed Pass-Through Certificates, Series
2004-1
------------------------------------------------------------
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned
Custodial Agreement and subject to Section 2.02 of the Pooling and Servicing
Agreement, dated as of March 5, 2004 among Homestar Mortgage Acceptance Corp.,
HSBC Bank USA, and Xxxxx Fargo Bank, National Association, the undersigned, as
custodian (the "Custodian"), hereby certifies that as to each Mortgage Loan
listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full
or listed on the attachment hereto) it has reviewed the Mortgage File, and has
determined that: (1) all documents required to be included in the Mortgage File
are in its possession and (2) such documents have been reviewed by it and appear
regular on their face and relate to such Mortgage Loan.
The Custodian has made no independent examination of any
documents contained in each Mortgage File beyond the review specifically
required in the above-referenced Custodial and Pooling and Servicing Agreements.
The Custodian makes no representations as to and shall not be responsible to
verify: (i) the validity, legality, sufficiency, enforceability, due
authorization, recordability or genuineness of any of the documents contained in
each Mortgage File of any of the Mortgage Loans identified on the Mortgage Loan
Schedule, (ii) the collectability, insurability, effectiveness or suitability of
any such Mortgage Loan, or (iii) the existence of any assumption, modification,
written assurance or substitution agreement with respect to any Mortgage File if
no such documents appear in the Mortgage File delivered to the Custodian.
C-1
Capitalized words and phrases used herein shall have the
respective meanings assigned to them in the above-captioned Custodial Agreement.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION, as Custodian
By:_____________________________
Name:
Title:
C-2
EXHIBIT D
FORM OF CUSTODIAN FINAL CERTIFICATION
_______, 20__
HSBC Bank USA Homestar Mortgage Acceptance Corp.
000 Xxxxx Xxxxxx X. 000 Xxxxxxx Xxxx
Xxx Xxxx, Xxx Xxxx 00000 Xxxxxxx, Xxx Xxxxxx 00000
Attention: Homestar Mortgage Acceptance Corp.,
HMAC Mortgage Trust 2004-1, Mortgage Pass-Through Certificates, Series
2004-1
Re: Custodial Agreement, dated as of March 5, 2004, by and among
HSBC Bank USA, Homestar Mortgage Acceptance Corp. and Xxxxx
Fargo Bank, National Association relating to HMAC Mortgage
Trust 2004-1, Asset- Backed Pass-Through Certificates, Series
2004-1
-------------------------------------------------------------
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned
Custodial Agreement and subject to Section 2.02 of the Pooling and Servicing
Agreement, the undersigned, as Custodian, hereby certifies that it has received
a Mortgage File with respect to each Mortgage Loan listed in the Mortgage Loan
Schedule containing with respect to each Mortgage Loan:
(i) the original Mortgage Note (including all riders thereto)
bearing all intervening endorsements necessary to show a complete chain
of endorsements from the original payee, endorsed "Pay to the order of
HSBC Bank USA without recourse", via original signature, and, if
previously endorsed, signed in the name of the last endorsee by a duly
qualified officer of the last endorsee. If the Mortgage Loan was
acquired by the last endorsee in a merger, the endorsement must be by
"[name of last endorsee], successor by merger to [name of the
predecessor]." If the Mortgage Loan was acquired or originated by the
last endorsee while doing business under another name, the endorsement
must be by "[name of last endorsee], formerly known as [previous
name].";
(ii) The original recorded Mortgage, noting the presence of
the MIN of the Mortgage Loan and either language indicating that the
Mortgage Loan is a MOM loan or if the Mortgage Loan was not a MOM loan
at origination, the original Mortgage and the assignment thereof to
MERS, with evidence of recording indicated thereon; provided that
D-1
if such document is not included because of a delay by the public
recording office where such document has been delivered for recordation
or such office as a matter of policy does not return the original of
such document or if such original Mortgage has been lost, the Seller
shall include or cause to be included a copy thereof certified by the
appropriate recording office, if available;
(iii) the original Assignment of Mortgage in blank, in form
and substance acceptable for recordation in the jurisdiction in which
the related mortgage property is located and signed in the name of the
Last Endorsee by an authorized officer; unless the Mortgage Loan is
registered on the MERS system;
(iv) The original intervening Assignments, if any and if
available, with evidence of recording thereon, showing an unbroken
chain of title to the Mortgage from the originator thereof to Person
assigning it to the Trustee (or to MERS, if the Mortgage Loan is
registered on the MERS(R) System); provided that if such document is
not included because of a delay by the public recording office where
such document has been delivered for recordation or such office as a
matter of policy does not return the original of such document, the
Seller shall include or cause to be included a copy thereof certified
by the appropriate recording office, if available;
(v) The originals of each assumption, modification or
substitution agreement, if any and if available, relating to the
Mortgage Loan; and
(vi) the original title insurance policy, or, if such policy
has not been issued, any one of an original or a copy of the
preliminary title report, title binder or title commitment on the
Mortgaged Property with the original policy of the insurance to be
delivered promptly following the receipt thereof;
Capitalized words and phrases used herein shall have the
respective meanings assigned to them in the above-captioned Custodial Agreement
or in the Pooling and Servicing Agreement, as applicable.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION, as Custodian
By:____________________________
Name:__________________________
Title:_________________________
E-1
EXHIBIT E
FORM OF REMITTANCE REPORT
(Provided Upon Request)
E-2
EXHIBIT F
FORM OF REQUEST FOR RELEASE OF DOCUMENTS
To: HSBC Bank USA
000 Xxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
Re: Pooling and Servicing Agreement, dated as of March 1, 2004, by
and among HSBC Bank USA, Homestar Mortgage Acceptance Corp.
and Xxxxx Fargo Bank, National Association relating to HMAC
Mortgage Trust 2004-1, Asset-Backed Pass-Through Certificates,
Series 2004-1
--------------------------------------------------------------
In connection with the administration of the Mortgage Loans held by you
pursuant to the above-captioned Pooling and Servicing Agreement, we request the
release, and hereby acknowledge receipt, of the Mortgage File for the Mortgage
Loan described below, for the reason indicated.
Mortgage Loan Number:
--------------------
Mortgagor Name, Address & Zip Code:
----------------------------------
Reason for Requesting Documents (check one):
-------------------------------------------
_____ 1. Mortgage Paid in Full and proceeds have been
deposited into the Custodial Account
_____ 2. Foreclosure
_____ 3. Substitution
_____ 4. Other Liquidation
_____ 5. Nonliquidation Reason:___________________
_____ 6. California Mortgage Loan paid in full
By:______________________________
(authorized signer)
Issuer:__________________________
Address:_________________________
Date:____________________________
F-1
EXHIBIT G-1
FORM OF INVESTOR REPRESENTATION LETTER
___________,200__
Homestar Mortgage Acceptance Corp.
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
HSBC Bank USA
000 Xxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
Attention: Homestar Mortgage Acceptance Corp. Series 2004-1
Re: Homestar Mortgage Acceptance Corp.
Asset-Backed Pass-Through Certificates Series 2004-1,
Class [___]
-----------------------------------------------------
Ladies and Gentlemen:
______________ (the "Purchaser") intends to purchase from
______________ (the "Seller") $_________ Initial Certificate Principal Balance
of Asset-Backed Pass-Through Certificates, Series 2004-1, Class _____ (the
"Certificates"), issued pursuant to the Pooling and Servicing Agreement (the
"Pooling and Servicing Agreement"), dated as of March 1, 2004 among Homestar
Mortgage Acceptance Corp., as company (the "Company"), Xxxxx Fargo Bank,
National Association, as master servicer (in such capacity, the "Master
Servicer") and as securities administrator (in such capacity, the "Securities
Administrator") and HSBC Bank USA, as trustee (the "Trustee"). All terms used
herein and not otherwise defined shall have the meanings set forth in the
Pooling and Servicing Agreement. The Purchaser hereby certifies, represents and
warrants to, and covenants with, the Company and the Trustee that:
1. The Purchaser understands that (a) the
Certificates have not been and will not be registered or
qualified under the Securities Act of 1933, as amended (the
"Act") or any state securities law, (b) the Company is not
required to so register or qualify the Certificates, (c) the
Certificates may be resold only if registered and qualified
pursuant to the provisions of the Act or any state securities
law, or if an exemption from such registration and
qualification is available, (d) the Pooling and Servicing
Agreement contains restrictions regarding the transfer of the
Certificates and (e) the Certificates will bear a legend to
the foregoing effect.
2. The Purchaser is acquiring the Certificates for
its own account for investment only and not with a view to or
for sale in connection with any
G-1-1
distribution thereof in any manner that would violate the Act
or any applicable state securities laws.
3. The Purchaser is (a) a substantial, sophisticated
institutional investor having such knowledge and experience in
financial and business matters, and, in particular, in such
matters related to securities similar to the Certificates,
such that it is capable of evaluating the merits and risks of
investment in the Certificates, (b) able to bear the economic
risks of such an investment and (c) an "accredited investor"
within the meaning of Rule 501 (a) promulgated pursuant to the
Act.
4. The Purchaser has been furnished with, and has had
an opportunity to review a copy of the Pooling and Servicing
Agreement and such other information concerning the
Certificates, the Mortgage Loans and the Company as has been
requested by the Purchaser from the Company or the Seller and
is relevant to the Purchaser's decision to purchase the
Certificates. The Purchaser has had any questions arising from
such review answered by the Company or the Seller to the
satisfaction of the Purchaser.
5. The Purchaser has not and will not nor has it
authorized or will it authorize any person to (a) offer,
pledge, sell, dispose of or otherwise transfer any
Certificate, any interest in any Certificate or any other
similar security to any person in any manner, (b) solicit any
offer to buy or to accept a pledge, disposition of other
transfer of any Certificate, any interest in any Certificate
or any other similar security from any person in any manner,
(c) otherwise approach or negotiate with respect to any
Certificate, any interest in any Certificate or any other
similar security with any person in any manner, (d) make any
general solicitation by means of general advertising or in any
other manner or (e) take any other action, that (as to any of
(a) through (e) above) would constitute a distribution of any
Certificate under the Act, that would render the disposition
of any Certificate a violation of Section 5 of the Act or any
state securities law, or that would require registration or
qualification pursuant thereto. The Purchaser will not sell or
otherwise transfer any of the Certificates, except in
compliance with the provisions of the Pooling and Servicing
Agreement.
Very truly yours,
_____________________________
(Purchaser)
By:__________________________
Name:________________________
Title:_______________________
G-1-2
EXHIBIT G-2
FORM OF TRANSFEROR REPRESENTATION LETTER
______________,200___
Homestar Mortgage Acceptance Corp.
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
HSBC Bank USA
000 Xxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
Attention: Homestar Mortgage Acceptance Corp. Series 2004-1
Re: Homestar Mortgage Acceptance Corp.
Asset-Backed Pass-Through Certificates,
Series 2004-1, Class __
---------------------------------------
Ladies and Gentlemen:
In connection with the sale by ___________ (the "Seller") to ________
(the "Purchaser") of $_________ Initial Certificate Principal Balance of
Asset-Backed Pass-Through Certificates, Series 2004-1, Class _____ (the
"Certificates"), issued pursuant to the Pooling and Servicing Agreement (the
"Pooling and Servicing Agreement"), dated as of March 1, 2004 among Homestar
Mortgage Acceptance Corp., as company (the "Company"), Xxxxx Fargo Bank,
National Association, as master servicer (in such capacity, the "Master
Servicer") and as securities administrator (in such capacity, the "Securities
Administrator") and HSBC Bank USA, as trustee (the "Trustee"). The Seller hereby
certifies, represents and warrants to, and covenants with, the Company and the
Trustee that:
Neither the Seller nor anyone acting on its behalf has (a) offered,
pledged, sold, disposed of or otherwise transferred any Certificate, any
interest in any Certificate or any other similar security to any person in any
manner, (b) has solicited any offer to buy or to accept a pledge, disposition or
other transfer of any Certificate, any interest in any Certificate or any other
similar security from any person in any manner, (c) has otherwise approached or
negotiated with respect to any Certificate, any interest in any Certificate or
any other similar security with any person in any manner, (d) has made any
general solicitation by means of general advertising or in any other manner, or
(e) has taken any other action, that (as to any of (a) through (e) above) would
constitute a distribution of the Certificates under the Securities Act of 1933
(the "Act"), that would render the
G-2-1
disposition of any Certificate a violation of Section 5 of the Act or any state
securities law, or that would require registration or qualification pursuant
thereto. The Seller will not act in any manner set forth in the foregoing
sentence with respect to any Certificate. The Seller has not and will not sell
or otherwise transfer any of the Certificates, except in compliance with the
provisions of the Pooling and Servicing Agreement.
Very truly yours,
____________________________
(Seller)
By:_________________________
Name:_______________________
Title:______________________
G-2-2
EXHIBIT G-3
FORM OF RULE 144A INVESTMENT REPRESENTATION
Description of Rule 144A Securities, including numbers:
Homestar Mortgage Acceptance Corp.
Asset-Backed Pass-Through Certificates
Series 2004-1, Class ____, No. ____
The undersigned seller, as registered holder (the
"Transferor"), intends to transfer the Rule 144A Securities described above to
the undersigned buyer (the "Buyer").
1. In connection with such transfer and in accordance with the
agreements pursuant to which the Rule 144A Securities were issued, the
Transferor hereby certifies the following facts: Neither the Transferor nor
anyone acting on its behalf has offered, transferred, pledged, sold or otherwise
disposed of the Rule 144A Securities, any interest in the Rule 144A Securities
or any other similar security to, or solicited any offer to buy or accept a
transfer, pledge or other disposition of the Rule 144A Securities, or otherwise
approached or negotiated with respect to the Rule 144A Securities, any interest
in the Rule 144A Securities or any other similar security with, any person in
any manner, or made any general solicitation by means of general advertising or
in any other manner, or taken any other action, which would constitute a
distribution of the Rule 144A Securities under the Securities Act of 1933, as
amended (the "1933 Act"), or which would render the disposition of the Rule 144A
Securities a violation of Section 5 of the 1933 Act or require registration
pursuant thereto, and that the Transferor has not offered the Rule 144A
Securities to any person other than the Buyer or another "qualified
institutional buyer" as defined in Rule 144A under the 0000 Xxx.
2. The Buyer warrants and represents to, and covenants with,
the Transferor, the Trustee and the Master Servicer pursuant to Section 5.02 of
the Pooling and Servicing Agreement as follows:
a. The Buyer understands that the Rule 144A
Securities have not been registered under the 1933 Act or the
securities laws of any state.
b. The Buyer considers itself a substantial,
sophisticated institutional investor having such knowledge and
experience in financial and business matters that it is
capable of evaluating the merits and risks of investment in
the Rule 144A Securities.
G-3-1
c. The Buyer has been furnished with all information
regarding the Rule 144A Securities that it has requested from
the Transferor, the Trustee or the Master Servicer.
d. Neither the Buyer nor anyone acting on its behalf
has offered, transferred, pledged, sold or otherwise disposed
of the Rule 144A Securities, any interest in the Rule 144A
Securities or any other similar security to, or solicited any
offer to buy or accept a transfer, pledge or other disposition
of the Rule 144A Securities, any interest in the Rule 144A
Securities or any other similar security from, or otherwise
approached or negotiated with respect to the Rule 144A
Securities, any interest in the Rule 144A Securities or any
other similar security with, any person in any manner, or made
any general solicitation by means of general advertising or in
any other manner, or taken any other action, that would
constitute a distribution of the Rule 144A Securities under
the 1933 Act or that would render the disposition of the Rule
144A Securities a violation of Section 5 of the 1933 Act or
require registration pursuant thereto, nor will it act, nor
has it authorized or will it authorize any person to act, in
such manner with respect to the Rule 144A Securities.
e. The Buyer is a "qualified institutional buyer" as
that term is defined in Rule 144 under the 1933 Act and has
completed either of the forms of certification to that effect
attached hereto as Annex 1 or Annex 2. The Buyer is aware that
the sale to it is being made in reliance on Rule 144A. The
Buyer is acquiring the Rule 144A Securities for its own
account or the account of other qualified institutional
buyers, understands that such Rule 144 Securities may be
resold, pledged or transferred only (i) to a person reasonably
believed to be a qualified institutional buyer that purchases
for its own account or for the account of a qualified
institutional buyer to whom notice is given that the resale,
pledge or transfer is being made in reliance on Rule 144A, or
(ii) pursuant to another exemption from registration under the
1933 Act.
3. The Buyer warrants and represents to, and covenants with,
the Transferor, the Servicer and the Company that either (1) the Buyer is not an
employee benefit plan within the meaning of Section 3(3) of the Employee
Retirement Income Security Act of 1974, as amended ("ERISA") ("Plan"), or a plan
within the meaning of Section 4975(e)(1) of the Internal Revenue Code of 1986
(the "Code") (also a "Plan"), and the Buyer is not directly or indirectly
purchasing the Rule 144A Securities on behalf of, as investment manager of, as
named fiduciary of, as trustee of, or with assets of a Plan, or (2) the Buyer
has provided the Trustee with the opinion letter required by section 5.02(c) of
the Pooling and Servicing Agreement.
4. This document may be executed in one or more counterparts
and by the different parties hereto on separate counterparts, each of which,
when so executed, shall be deemed to be an original; such counterparts,
together, shall constitute one and the same document.
G-3-2
IN WITNESS WHEREOF, each of the parties has executed this
document as of the date set forth below.
_______________________________________ ________________________________
Print Name of Transferor Print Name of Buyer
By:____________________________________ By:_____________________________
Name: Name:
Title: Title:
Taxpayer Identification: Taxpayer Identification:
No.___________________________________ No._____________________________
Date:_________________________________ Date:___________________________
G-3-3
ANNEX 1 TO EXHIBIT G-3
----------------------
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
--------------------------------------------------------
[For Buyers Other Than Registered Investment Companies]
The undersigned hereby certifies as follows in connection with the Rule
144A Investment Representation to which this Certification is attached:
1. As indicated below, the undersigned is the President, Chief
Financial Officer, Senior Vice President or other executive officer of the
Buyer.
2. In connection with purchases by the Buyer, the Buyer is a "qualified
institutional buyer" as that term is defined in Rule 144A under the Securities
Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested on a
discretionary basis $____________________1 in securities (except for the
excluded securities referred to below) as of the end of the Buyer's most recent
fiscal year (such amount being calculated in accordance with Rule 144A) and (ii)
the Buyer satisfies the criteria in the category marked below.
____ CORPORATION, ETC. The Buyer is a corporation (other than a bank,
savings and loan association or similar institution), Massachusetts or
similar business trust, partnership, or charitable organization
described in Section 501(c)(3) of the Internal Revenue Code.
____ BANK. The Buyer (a) is a national bank or banking institution organized
under the laws of any State, territory or the District of Columbia, the
business of which is substantially confined to banking and is
supervised by the State or territorial banking commission or similar
official or is a foreign bank or equivalent institution, and (b) has an
audited net worth of at least $25,000,000 as demonstrated in its latest
annual financial statement, a copy of which is attached hereto.
____ SAVINGS AND LOAN. The Buyer (a) is a savings and loan association,
building and loan association, cooperative bank, homestead association
or similar institution, which is supervised and examined by a State or
Federal authority having supervision over any such institutions or is a
foreign savings and loan association or equivalent institution and (b)
has an audited net worth of at least $25,000,000 as demonstrated in its
latest annual financial statements.
--------
1 Buyer must own and/or invest on a discretionary basis at least
$100,000,000 in securities unless Buyer is a dealer, and, in that case, Buyer
must own and/or invest on a discretionary basis at least $10,000,000 in
securities.
G-3-4
____ BROKER-DEALER. The Buyer is a dealer registered pursuant to Section 15
of the Securities Exchange Act of 1934.
____ INSURANCE COMPANY. The Buyer is an insurance company whose primary and
predominant business activity is the writing of insurance or the
reinsuring of risks underwritten by insurance companies and which is
subject to supervision by the insurance commissioner or a similar
official or agency of a State, territory or the District of Columbia.
____ STATE OR LOCAL PLAN. The Buyer is a plan established and maintained by
a State, its political subdivisions, or any agency or instrumentality
of the State or its political subdivisions, for the benefit of its
employees.
____ ERISA PLAN. The Buyer is an employee benefit plan within the meaning of
Title I of the Employee Retirement Income Security Act of 1974.
____ INVESTMENT ADVISER. The Buyer is an investment adviser registered under
the Investment Advisers Act of 1940.
____ SBIC. The Buyer is a Small Business Investment Company licensed by the
U.S. Small Business Administration under Section 301(c) or (d) of the
Small Business Investment Act of 1958.
____ BUSINESS DEVELOPMENT COMPANY. The Buyer is a business development
company as defined in Section 202(a)(22) of the Investment Advisers Act
of 1940.
____ TRUST FUND. The Buyer is a trust fund whose trustee is a bank or trust
company and whose participants are exclusively (a) plans established
and maintained by a State, its political subdivisions, or any agency or
instrumentality of the State or its political subdivisions, for the
benefit of its employees, or (b) employee benefit plans within the
meaning of Title I of the Employee Retirement Income Security Act of
1974, but is not a trust fund that includes as participants individual
retirement accounts or H.R. 10 plans.
3. The term "SECURITIES" as used herein DOES NOT INCLUDE (i) securities
of issuers that are affiliated with the Buyer, (ii) securities that are part of
an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit, (iv) loan participations,
(v) repurchase agreements, (vi) securities owned but subject to a repurchase
agreement and (vii) currency, interest rate and commodity swaps.
4. For purposes of determining the aggregate amount of securities owned
and/or invested on a discretionary basis by the Buyer, the Buyer used the cost
of such securities to the Buyer and did not include any of the securities
referred to in the preceding paragraph. Further, in determining such aggregate
amount, the Buyer may have included securities owned by subsidiaries of the
Buyer, but only if such subsidiaries are consolidated with the Buyer in its
financial statements prepared in
G-3-5
accordance with generally accepted accounting principles and if the investments
of such subsidiaries are managed under the Buyer's direction. However, such
securities were not included if the Buyer is a majority-owned, consolidated
subsidiary of another enterprise and the Buyer is not itself a reporting company
under the Securities Exchange Act of 1934.
5. The Buyer acknowledges that it is familiar with Rule 144A and
understands that the seller to it and other parties related to the Certificates
are relying and will continue to rely on the statements made herein because one
or more sales to the Buyer may be in reliance on Rule 144A.
___ ___ Will the Buyer be purchasing the Rule 144A
Yes No Securities only for the Buyer's own account?
6. If the answer to the foregoing question is "no", the Buyer agrees
that, in connection with any purchase of securities sold to the Buyer for the
account of a third party (including any separate account) in reliance on Rule
144A, the Buyer will only purchase for the account of a third party that at the
time is a "qualified institutional buyer" within the meaning of Rule 144A. In
addition, the Buyer agrees that the Buyer will not purchase securities for a
third party unless the Buyer has obtained a current representation letter from
such third party or taken other appropriate steps contemplated by Rule 144A to
conclude that such third party independently meets the definition of "qualified
institutional buyer" set forth in Rule 144A.
7. The Buyer will notify each of the parties to which this
certification is made of any changes in the information and conclusions herein.
Until such notice is given, the Buyer's purchase of Rule 144A Securities will
constitute a reaffirmation of this certification as of the date of such
purchase.
______________________________
Print Name of Buyer
By:___________________________
Name:
Title:
Date:_________________________
G-3-6
ANNEX 2 TO EXHIBIT G-3
----------------------
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
--------------------------------------------------------
[For Buyers That Are Registered Investment Companies]
The undersigned hereby certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:
1. As indicated below, the undersigned is the President, Chief
Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a
"qualified institutional buyer" as that term is defined in Rule 144A under the
Securities Act of 1933 ("Rule 144A") because Buyer is part of a Family of
Investment Companies (as defined below), is such an officer of the Adviser.
2. In connection with purchases by Buyer, the Buyer is a
"qualified institutional buyer" as defined in SEC Rule 144A because (i) the
Buyer is an investment company registered under the Investment Company Act of
1940, and (ii) as marked below, the Buyer alone, or the Buyer's Family of
Investment Companies, owned at least $100,000,000 in securities (other than the
excluded securities referred to below) as of the end of the Buyer's most recent
fiscal year. For purposes of determining the amount of securities owned by the
Buyer or the Buyer's Family of Investment Companies, the cost of such securities
was used.
____ The Buyer owned $_______________ in securities (other than the
excluded securities referred to below) as of the end of the
Buyer's most recent fiscal year (such amount being calculated
in accordance with Rule 144A).
____ The Buyer is part of a Family of Investment Companies which
owned in the aggregate $____________ in securities (other than
the excluded securities referred to below) as of the end of
the Buyer's most recent fiscal year (such amount being
calculated in accordance with Rule 144A).
3. The term "Family of Investment Companies" as used herein
means two or more registered investment companies (or series thereof) that have
the same investment adviser or investment advisers that are affiliated (by
virtue of being majority owned subsidiaries of the same parent or because one
investment adviser is a majority owned subsidiary of the other).
4. The term "securities" as used herein does not include (i)
securities of issuers that are affiliated with the Buyer or are part of the
Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates
of deposit, (iii) loan participations, (iv) repurchase agreements, (v)
securities owned but subject to a repurchase agreement and (vi) currency,
interest rate and commodity swaps.
G-3-7
5. The Buyer is familiar with Rule 144A and understands that
each of the parties to which this certification is made are relying and will
continue to rely on the statements made herein because one or more sales to the
Buyer will be in reliance on Rule 144A. In addition, the Buyer will only
purchase for the Buyer's own account.
6. The undersigned will notify each of the parties to which
this certification is made of any changes in the information and conclusions
herein. Until such notice, the Buyer's purchase of Rule 144A Securities will
constitute a reaffirmation of this certification by the undersigned as of the
date of such purchase.
_____________________________
Print Name of Buyer
By:__________________________
Name:
Title:
IF AN ADVISER:
____________________________
Print Name of Buyer
Date:_______________________
G-3-8
EXHIBIT G-4
FORM OF TRANSFEROR CERTIFICATE
______________, 200__
Homestar Mortgage Acceptance Corp.
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
HSBC Bank USA
000 Xxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
Attention: Homestar Mortgage Acceptance Corp. Series 2004-1
Re: Homestar Mortgage Acceptance Corp.
Asset-Backed Pass-Through Certificates
Series 2004-1, Class R
--------------------------------------
Ladies and Gentlemen:
This letter is delivered to you in connection with the sale by
________________________ (the "Seller") to _____________________________________
(the "Purchaser") of a ____% Percentage Interest in the Asset-Backed
Pass-Through Certificates, Series 2004-1, Class R Certificates (the
"Certificates"), issued pursuant to Section 5.02 of the Pooling and Servicing
Agreement (the "Pooling and Servicing Agreement") dated as of March 1, 2004,
among Homestar Mortgage Acceptance Corp., as company (the "Company"), Xxxxx
Fargo Bank, National Association, as master servicer (in such capacity, the
"Master Servicer") and as securities administrator (in such capacity, the
"Securities Administrator") and HSBC Bank USA, as trustee (the "Trustee"). All
terms used herein and not otherwise defined shall have the meaning set forth in
the Pooling and Servicing Agreement. The Seller hereby certifies, represents and
warrants to, and covenants with, the Company and the Trustee that:
1. No purpose of the Seller relating to the sale of the
Certificates by the Seller to the Purchaser is or will be to impede the
assessment or collection of any tax.
2. The Seller understands that the Purchaser has delivered to
the Trustee and the Master Servicer a transfer affidavit and agreement in the
form attached to the Pooling and Servicing Agreement as Exhibit E-5. The Seller
does not know or believe that any representation contained therein is false.
G-4-1
3. The Seller has at the time of the transfer conducted a
reasonable investigation of the financial condition of the Purchaser as
contemplated by Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result
of that investigation, the Seller has determined that the Purchaser has
historically paid its debts as they have become due and has found no significant
evidence to indicate that the Purchaser will not continue to pay its debts as
they become due in the future. The Seller understands that the transfer of the
Certificates may not be respected for United States income tax purposes (and the
Seller may continue to be liable for United States income taxes associated
therewith) unless the Seller has conducted such an investigation.
4. The Seller has no actual knowledge that the proposed
Transferee is a Disqualified Organization, an agent of a Disqualified
Organization or a Non-United States Person.
Very truly yours,
_______________________________
(Seller)
By:____________________________
Name:__________________________
Title:_________________________
G-4-2
EXHIBIT G-5
FORM OF TRANSFER AFFIDAVIT AND AGREEMENT
STATE OF )
:ss.:
COUNTY OF )
___________________, being first duly sworn, deposes, represents and
warrants:
1. That he/she is [Title of Officer] of [Name of Owner], a [savings
institution] [corporation] duly organized and existing under the laws of [the
State of __________] [the United States], (the "Owner"), (record or beneficial
owner of the Class R Certificates (the "Class R Certificates") on behalf of
which he/she makes this affidavit and agreement). This Class R Certificates were
issued pursuant to the Pooling and Servicing Agreement (the "Pooling and
Servicing Agreement") dated as of March 1, 2004 among Homestar Mortgage
Acceptance Corp., as company, Xxxxx Fargo Bank, National Association, as master
servicer (in such capacity, the "Master Servicer") and as securities
administrator (in such capacity, the "Securities Administrator"), and HSBC Bank
USA, as trustee (the "Trustee").
2. That the Owner (i) is not and will not be a "disqualified
organization" as of _____________ [date of transfer] within the meaning of
Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended (the
"Code"), (ii) will endeavor to remain other than a disqualified organization for
so long as it retains its ownership interest in the Class R Certificates, and
(iii) is acquiring the Class R Certificates for its own account or for the
account of another Owner from which it has received an affidavit and agreement
in substantially the same form as this affidavit and agreement. (For this
purpose, a "disqualified organization" means the United States, any state or
political subdivision thereof, any agency or instrumentality of any of the
foregoing (other than an instrumentality all of the activities of which are
subject to tax and, except for Xxxxxxx Mac, a majority of whose board of
directors is not selected by any such governmental entity) or any foreign
government, international organization or any agency or instrumentality of such
foreign government or organization, any rural electric or telephone cooperative,
or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on
unrelated business taxable income).
3. That the Owner is aware (i) of the tax that would be imposed on
transfers of Class R Certificates to disqualified organizations under the Code,
that applies to all transfers of Class R Certificates after March 31, 1988; (ii)
that such tax would be on the transferor, or, if such transfer is through an
agent (which person includes a broker, nominee or middleman) for a disqualified
organization, on the agent; (iii) that the person otherwise liable for the tax
shall be relieved of liability for the tax if the transferee furnishes to such
person an affidavit that the transferee is not
G-5-1
a disqualified organization and, at the time of transfer, such person does not
have actual knowledge that the affidavit is false; and (iv) that the Class R
Certificates may be "noneconomic residual interests" within the meaning of
Treasury regulations promulgated pursuant to the Code and that the transferor of
a noneconomic residual interest will remain liable for any taxes due with
respect to the income on such residual interest, unless no significant purpose
of the transfer was to impede the assessment or collection of tax.
4. That the Owner is aware of the tax imposed on a "pass-through
entity" holding Class R Certificates if at any time during the taxable year of
the pass-through entity a disqualified organization is the record holder of an
interest in such entity. (For this purpose, a "pass through entity" includes a
regulated investment company, a real estate investment trust or common trust
fund, a partnership, trust or estate, and certain cooperatives.)
5. That the Owner is aware that the Trustee will not register the
transfer of any Class R Certificates unless the transferee, or the transferee's
agent, delivers to it an affidavit and agreement, among other things, in
substantially the same form as this affidavit and agreement. The Owner expressly
agrees that it will not consummate any such transfer if it knows or believes
that any of the representations contained in such affidavit and agreement are
false.
6. That the Owner has reviewed the restrictions set forth on the face
of the Class R Certificates and the provisions of Section 5.02(f) of the Pooling
and Servicing Agreement under which the Class R Certificates were issued (in
particular, clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the
Trustee to deliver payments to a person other than the Owner and negotiate a
mandatory sale by the Trustee in the event the Owner holds such Certificates in
violation of Section 5.02(f)). The Owner expressly agrees to be bound by and to
comply with such restrictions and provisions.
7. That the Owner consents to any additional restrictions or
arrangements that shall be deemed necessary upon advice of counsel to constitute
a reasonable arrangement to ensure that the Class R Certificates will only be
owned, directly or indirectly, by an Owner that is not a disqualified
organization.
8. The Owner's Taxpayer Identification Number is _____________________.
9. This affidavit and agreement relates only to the Class R
Certificates held by the owner and not to any other holder of the Class R
Certificates. The Owner understands that the liabilities described herein relate
only to the Class R Certificates.
10. That no purpose of the Owner relating to the transfer of any of the
Class R Certificates by the Owner is or will be to impede the assessment or
collection of any tax.
11. That the Owner has no present knowledge or expectation that it will
be unable to pay any United States taxes owed by it so long as any of the
Certificates remain outstanding. In this
G-5-2
regard, the Owner hereby represents to and for the benefit of the person from
whom it acquired the Class R Certificate that the Owner intends to pay taxes
associated with holding such Class R Certificate as they become due, fully
understanding that it may incur tax liabilities in excess of any cash flows
generated by the Class R Certificate.
12. That the Owner has no present knowledge or expectation that it will
become insolvent or subject to a bankruptcy proceeding for so long as any of the
Class R Certificates remain outstanding.
13. The Owner is a citizen or resident of the United States, a
corporation, partnership or other entity created or organized in, or under the
laws of, the United States or any political subdivision thereof, provided that
with respect to any partnership or other entity treated as a partnership for
United States federal income tax purposes, all persons that own an interest in
such partnership either directly or through any entity that is not a corporation
for United States federal income tax purposes are required by the applicable
operative agreement to be United States Persons, or an estate or trust 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.
14. (a) The Certificates (i) are not being acquired by, and will not be
transferred to, any employee benefit plan within the meaning of section 3(3) of
the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or
other retirement arrangement, including individual retirement accounts and
annuities, Xxxxx plans and bank collective investment funds and insurance
company general or separate accounts in which such plans, accounts or
arrangements are invested, that is subject to ERISA or Section 4975 of the
Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"),
(ii) are not being acquired with "plan assets" of a Plan within the meaning of
the Department of Labor ("DOL") regulation, 29 C.F.R. ss. 2510.3-101 or
otherwise under ERISA, and (iii) will not be transferred to any entity that is
deemed to be investing in plan assets within the meaning of the DOL regulation,
29 C.F.R. ss. 2510.3-101 or otherwise under ERISA; or
(b) The Owner will provide the Trustee with an opinion of
counsel, as specified in Section 5.02(c) of the Pooling and Servicing Agreement,
acceptable to and in form and substance satisfactory to the Trustee to the
effect that the purchase of Certificates is permissible under applicable law,
will not constitute or result in any non-exempt prohibited transaction under
ERISA or Section 4975 of the Code and will not subject the Trustee, the Company,
the Securities Administrator or the Master Servicer to any obligation or
liability (including obligations or liabilities under ERISA or Section 4975 of
the Code) in addition to those undertaken in the Pooling and Servicing
Agreement.
In addition, the Owner hereby certifies, represents and warrants to,
and covenants with, the Company, the Trustee, the Securities Administrator and
the Master Servicer that the Owner will not
G-5-3
transfer such Certificates to any Plan or person unless either such Plan or
person meets the requirements set forth in either (a) or (b) above.
Capitalized terms used but not defined herein shall have the meanings
assigned in the Pooling and Servicing Agreement.
G-5-4
IN WITNESS WHEREOF, the Owner has caused this instrument to be executed
on its behalf, by its [Title of Officer] and its corporate seal to be hereunto
attached, attested by its [Assistant] Secretary, this ______ day of
_____________, _____.
[NAME OF OWNER]
By:____________________________
[Name of Officer]
[Title of Officer]
[Corporate Seal]
ATTEST:
________________________________
[Assistant] Secretary
Personally appeared before me the above-named [Name of Officer], known
or proved to me to be the same person who executed the foregoing instrument and
to be the [Title of Officer] of the Owner, and acknowledged to me that such
person executed the same as such person's free act and deed and the free act and
deed of the Owner.
Subscribed and sworn before me this ____ day of ___________, 200__.
_____________________________________
NOTARY PUBLIC
COUNTY OF_________________________
STATE OF___________________________
My Commission expires the ____ day of
__________, 200__.
G-5-5
EXHIBIT H
MORTGAGE LOAN SCHEDULE
H-1
Id PropType Occ Purp AltorSub Rt Pool OrigBal
-- -------- --- ---- -------- -- ---- -------
36558583 SD P PU Al 6.833 114 169500
36565364 SD P RN Al 6.179 114 127453
36565745 SD P PU Al 6.5 114 272248
36576619 SD P PU Al 5.614 114 105000
36580009 Pu P RN Al 5.364 114 235000
36587954 Co P RN Al 4.689 114 170999
36590370 SD P RN Al 5.51 114 238000
36590586 Pu P RN Al 5.114 114 322000
36597953 SD P RN Al 6.01 114 289000
36600955 SD P RN Al 6.039 114 195000
36603686 SD P PU Al 4.978 114 189000
36612281 SD P RN Al 6.047 114 224993
36615359 SD P PU Al 6.504 114 70000
36617413 SD P RN Al 7.125 114 175000
36628063 SD P PU Al 5.079 114 313500
36628741 SD P RN Al 6.26 114 171000
36632214 SD P PU Al 7.368 114 67000
36632743 SD P PU Al 5.114 114 170458
36633683 Co P PU Al 6.864 114 115000
36636496 SD P PU Al 4.364 114 159990
36638294 SD P PU Al 6.864 114 65000
36644995 SD P PU Al 7.25 114 115920
36647790 Pu P PU Al 6.489 114 94500
36650430 SD P PU Al 6.364 114 165000
36650927 SD P PU Al 3.978 114 124000
36653004 SD P PU Al 6.368 114 82400
36655546 Pu P PU Al 6.364 114 180500
36655744 Co P PU Al 4.939 114 112100
36657179 SD P PU Al 5.988 114 216000
36657278 SD P PU Al 7.273 114 136000
36659845 SD P RN Al 5.634 114 215000
36662179 Co P PU Al 6.989 114 80600
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36668507 SD P PU Al 3.728 114 238500
36669158 SD P RN Al 5.449 114 188500
36670974 SD P PU Al 4.364 114 146490
36671378 SD P RN Al 6.5 114 217381
36671568 SD P PU Al 4.978 114 190000
36673531 Pu P PU Al 7.025 114 169679
36673820 Pu P PU Al 6.478 114 190000
36676047 SD P PU Al 6.864 114 245000
36677151 SD P PU Al 7.273 114 139500
36678266 SD P PU Al 5.364 114 183000
36678415 SD P RN Al 5.439 114 153000
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36683167 SD P PU Al 6.302 114 86000
36689677 Pu P PU Al 5.864 114 209361
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36691970 SD P RN Al 4.439 114 199493
36693000 SD P PU Al 6.65 114 108000
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36696706 SD P PU Al 6.364 114 308000
36698066 Co P RN Al 7.25 114 170000
36698959 SD P PU Al 5.75 114 89250
36701894 SD P PU Al 5.578 114 216000
36704179 Pu P PU Al 4.228 114 138000
36705663 SD P PU Al 7.273 114 190000
36707495 SD P PU Al 5.864 114 171900
36707677 SD P PU Al 5.489 114 201000
36708931 SD P PU Al 5.624 114 145700
36711752 Pu P PU Al 6.208 114 280000
36712750 Pu P PU Al 5.728 114 125000
36714814 Pu P PU Al 5.864 114 176820
36721108 SD P PU Al 4.478 114 195000
36721637 Pu P PU Al 6.689 114 122550
36722163 SD P PU Al 5.364 114 180000
36726040 SD P PU Al 5.614 114 146900
36727360 SD P PU Al 6.364 114 270000
36727600 SD P PU Al 5.978 114 212000
36728541 SD P PU Al 7.023 114 115000
36728657 Pu P PU Al 5.228 114 120001
36729606 SD P RN Al 4.189 114 204208
36729846 Pu P PU Al 6.228 114 117000
36730950 Pu P PU Al 6.628 114 270275
36733087 SD P PU Al 5.864 114 115000
36734044 SD P RN Al 4.336 114 251837
36734192 SD P PU Al 5.689 114 133475
36738466 Pu P PU Al 3.728 114 249900
36742518 SD P PU Al 4.864 114 254000
36742591 Pu P PU Al 5.614 114 305000
36742781 SD P RN Al 4.329 114 161484
36744225 SD P RN Al 4.254 114 295000
36745131 SD P PU Al 5.364 114 156500
36747616 SD P RN Al 5.76 114 180000
36748507 Pu P PU Al 5.864 114 153900
36749463 Pu P PU Al 5.978 114 171926
36749596 SD P PU Al 7.125 114 144000
36752301 SD P PU Al 6.708 114 137000
36752830 SD P RN Al 6.678 114 90250
36754026 SD P RN Al 4.894 114 100669
36755940 SD P PU Al 7.525 114 205000
36756948 SD P RN Al 4.439 114 105207
36757482 SD P PU Al 4.189 114 289892
36757896 Pu P PU Al 5.114 114 203357
36759215 SD P PU Al 6.114 114 191900
36759256 SD P PU Al 6.75 114 272800
36763019 SD P PU Al 4.864 114 130000
36763290 SD P RN Al 4.189 114 262200
36767119 SD P PU Al 8.137 114 64800
36769602 SD P RN Al 4.744 114 89912
36769982 SD P PU Al 6.614 114 133000
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36770832 Pu P PU Al 3.728 114 224000
36771640 SD P RN Al 6.875 114 322700
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36775807 SD P RN Al 6.273 114 154000
36775815 Co P PU Al 6.958 114 78500
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36776532 SD P PU Al 5.728 114 255000
36776672 SD P PU Al 4.228 114 285000
36776938 SD P PU Al 5.228 114 189000
36777324 SD P PU Al 4.874 114 241449
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36778678 SD P RN Al 7.877 114 79200
36780856 SD P PU Al 6.103 114 223175
36781193 SD P PU Al 5.118 114 70500
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36782209 SD P PU Al 6.458 114 111500
36784296 SD P PU Al 5.614 114 148000
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36788719 SD P PU Al 5.364 114 210000
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36788859 SD P PU Al 6.208 114 190000
36788974 SD P RN Al 6.204 114 170000
36789683 SD P PU Al 5.614 114 119950
36791218 SD P PU Al 7.523 114 43700
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36792190 SD P PU Al 6.458 114 121000
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36794410 SD P RN Al 4.304 114 104275
36796381 SD P RN Al 7.509 114 100800
36797017 Pu P PU Al 5.583 114 160000
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36808210 SD P PU Al 7.125 114 320000
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36809036 Co P PU Al 6.228 114 270000
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36809846 SD P PU Al 7.525 114 62000
36812428 SD P RN Al 5.76 114 201000
36813129 SD P PU Al 5.114 114 130000
36813475 SD P PU Al 4.728 114 169900
36813699 SD P PU Al 4.228 114 184800
36813954 SD P PU Al 6.114 114 78500
36815074 SD P PU Al 6.114 114 236000
36815215 Pu P PU Al 5.714 114 223977
36815249 Co P RN Al 4.867 114 129597
36815322 SD P RN Al 6.01 114 126000
36815470 SD P PU Al 6.665 114 89500
36816023 SD P PU Al 5.628 114 147000
36816387 Pu P PU Al 5.978 114 142000
36817278 Pu P PU Al 5.614 114 145564
36817674 SD P PU Al 5.968 114 202000
36818334 Co P PU Al 4.964 114 148900
36819233 Pu O PU Al 6.299 130 80000
36819407 Pu P PU Al 7.125 114 304000
36819555 SD P RN Al 5.117 114 70673
36820520 SD P PU Al 6.198 114 170000
36821049 SD P PU Al 5.728 114 312001
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36821353 SD P PU Al 5.114 114 265000
36821726 SD P PU Al 4.878 114 240000
36822005 SD P PU Al 6.614 114 65000
36822229 SD P PU Al 5.458 114 299000
36823813 SD P PU Al 6.114 114 162500
36824050 SD P PU Al 4.478 114 205000
36826212 SD P PU Al 5.114 114 232700
36826899 SD P PU Al 6.208 114 175000
36827616 SD P PU Al 5.878 114 242000
36827640 Pu P RN Al 4.497 114 263449
36827921 SD P PU Al 6.223 114 151103
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36828341 SD P RN Al 5.114 114 130000
36828770 SD P PU Al 5.864 114 157500
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36829711 SD P PU Al 6.708 114 295000
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36832459 SD P PU Al 4.614 114 184750
36832491 Co P PU Al 6.073 114 150000
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36844298 Co P PU Al 6.208 114 136000
36844561 SD P RN Al 5.689 114 166000
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36845766 SD P PU Al 6.228 114 125000
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36847960 SD P PU Al 5.333 114 255000
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36851798 SD P PU Al 5.114 114 259000
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1101002054 2- P RC Al 6.75 204 246000
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1701103216 SD I RN Al 6.25 1203 107000
1701103217 SD P PU Al 4.375 1203 171500
1701103221 SD P PU Al 6.25 1203 420000
1701103225 SD P RC Al 5.875 1203 272000
1701103226 Co P PU Al 4.25 1203 344000
1701103231 SD P PU Al 5.5 1203 294350
1701103236 2- I PU Al 6 1203 648000
1701103238 Pu P PU Al 5.25 1203 128100
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1701103273 SD P RN Al 5.5 1203 720000
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1701103279 2- I PU Al 6.625 1203 373200
1701103283 SD P PU Al 5.625 1203 268000
1701103285 Pu P PU Al 5.5 1203 456000
1701103293 Pu P PU Al 5.25 1203 785900
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1701103310 Co I PU Al 6 1203 128100
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1701103314 Pu P PU Al 4.875 1203 292000
1701103316 SD P RN Al 5.375 1203 219300
1701103318 SD I PU Al 5.75 1203 252000
1701103322 SD P RC Al 4.875 1203 121600
1701103325 SD P RN Al 6.5 1203 165000
1701103326 SD P PU Al 6.125 1203 383800
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1701103349 SD P RC Al 5.5 1203 156000
1701103350 SD P PU Al 4.875 1203 327600
1701103352 SD P PU Al 4.75 1203 309200
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1701103356 2- I RN Al 5.375 1203 145500
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1701103367 SD P RC Al 6.75 1203 165000
1701103368 Co P PU Al 5.75 107 252800
1701103371 SD P PU Al 6.5 1203 249000
1701103372 SD P RC Al 4.125 1203 201000
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1701103383 SD P PU Al 5.125 1203 161000
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1701103390 SA P RC Al 5.625 1203 252000
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1701103422 Pu P RC Al 6.75 1203 492000
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1701103478 Co P RC Al 6.75 1203 400000
1701103481 SD P PU Al 4.5 204 184500
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1701103496 SD P RC Al 6.25 1203 416000
1701103497 SD P PU Al 6.75 1203 125000
1701103498 Co P PU Al 5.875 1203 458400
1701103505 SD I RC Al 6 204 650000
1701103514 SD P PU Al 6.25 1203 164000
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1701103543 SD P PU Al 6.375 1203 85500
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1701103546 Co P PU Al 5.5 1203 236250
1701103550 Co P PU Al 6.375 1203 177100
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1701103558 Co I PU Al 5.25 1203 248000
1701103561 SD I PU Al 5.5 107 85000
1701103562 SD I PU Al 6.125 107 286400
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1701103574 SD P RC Al 5.5 1203 540000
1701103579 SD P PU Al 5.625 107 203600
1701103582 SD P RC Al 6.25 1203 370000
1701103585 SD P RC Al 5.5 1203 560000
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1701103587 SD I PU Al 5.875 107 157600
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1701103603 Co P PU Al 4.125 107 115900
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1701103606 Co P PU Al 5.5 1203 212000
1701103611 2- P RC Al 6.5 107 301000
1701103613 2- I RC Al 6.75 1203 160000
1701103614 SD P RN Al 4.75 1203 208000
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1701103639 Co P PU Al 5.125 1203 212000
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1701103646 SD P RC Al 6.25 204 200000
1701103648 SD P RC Al 6.25 107 150000
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1701103656 SD P PU Al 6.5 1203 273000
1701103658 Pu P PU Al 5.875 107 750000
1701103660 2- I PU Al 6.25 107 124000
1701103661 2- I PU Al 5.75 1203 455200
1701103663 SD P PU Al 6.25 107 650000
1701103668 SD P RC Al 5.5 107 312000
1701103672 SD P PU Al 4.75 107 156750
1701103676 2- I RC Al 7.875 107 551250
1701103678 SD P PU Al 4.75 107 245000
1701103681 SD P RN Al 5.25 107 296000
1701103682 SD P PU Al 4.5 1203 213500
1701103688 2- I RN Al 6.25 107 160000
1701103696 2- P PU Al 5.75 107 409500
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1701103702 SD P PU Al 6.5 204 271900
1701103704 SD P PU Al 5.75 107 632000
1701103705 SD P RC Al 5.5 107 193500
1701103706 SD P RC Al 4.875 107 186400
1701103708 SD P RC Al 5.625 107 932000
1701103710 Co I RN Al 6.25 204 135000
1701103713 Co P PU Al 5.75 1203 256500
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1701103728 2- I RC Al 6.75 107 432000
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1701103736 Pu P PU Al 5.625 107 508000
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1701103746 Pu P PU Al 6.5 107 460000
1701103749 SD P PU Al 6.75 107 187400
1701103754 SD P PU Al 4.875 107 925400
1701103756 Pu P PU Al 4.75 130 331900
1701103760 Pu I PU Al 5 107 200000
1701103762 SD I PU Al 5.25 107 320000
1701103764 SD P PU Al 5.5 107 302000
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1701103780 SD P RC Al 6.5 204 581000
1701103791 SD P PU Al 7 130 98000
1701103794 SD P RC Al 6.5 130 444000
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1701103797 SD P RC Al 5.5 107 480000
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1701103809 Pu P PU Al 5.5 204 695900
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1701103816 2- I RC Al 5.25 107 200000
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1701103823 SD P RC Al 6.375 204 125000
1701103830 SD P PU Al 4.75 130 291700
1701103831 2- I RC Al 5.875 204 290000
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1701103850 SD P RC Al 5.625 204 384000
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1701103852 2- I RC Al 7.25 204 360000
1701103853 2- I RC Al 6.75 204 335000
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1701103884 Co P PU Al 5.75 107 328000
1701103892 Co I PU Al 5.5 204 168000
1701103894 Co I PU Al 5.5 204 193200
1701103898 Pu P PU Al 5.25 204 420700
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1701103900 Pu P PU Al 5.125 130 282400
1701103908 SD P RN Al 5.5 204 500000
1701103915 2- I PU Al 6.625 204 411600
1701103916 SD I PU Al 6.625 204 256000
1701103918 SD P RC Al 6.875 130 630700
1701103920 Co P PU Al 7.5 204 257350
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1701103962 SD I RC Al 5.625 204 288000
1701103965 SD P PU Al 4.75 130 130000
1701103967 SD P PU Al 4.625 204 319200
1701103970 Co I PU Al 5 130 169000
1701103971 Co I PU Al 5.5 204 222950
1701103978 SD P RC Al 4.875 204 308000
0000000000 SD P RN Al 5.875 204 420000
1701103989 SD P RC Al 4.875 204 367500
1701103994 SD P RC Al 4.75 204 635000
1701104009 SD P PU Al 4.625 204 154400
1701104012 SD I RC Al 5 204 106400
1701104016 SD P PU Al 5.25 204 147000
1701104018 SD P PU Al 4.625 204 304000
1701104020 2- I PU Al 4.875 204 560000
1701104032 SD P RN Al 6.25 204 216000
1701104033 SD P RC Al 5.25 204 220000
1701104036 Pu S RC Al 5 204 833000
1701104041 SD I RC Al 5.5 204 483000
1701104049 SD P RC Al 6.25 204 328000
1701104051 SD P RC Al 4.75 204 160000
1701104052 SD P PU Al 6 204 421650
1701104057 SD P PU Al 4.75 204 244000
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1701104073 SD P RC Al 5.5 204 555200
1701104078 2- I RN Al 5.75 204 356000
1701104088 Pu P RC Al 5.5 204 488000
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1701104096 SD S PU Al 4.75 204 599650
1701104106 SD P RC Al 4.875 204 211400
1701104107 SD P RC Al 5.875 204 225000
1701104137 SD P PU Al 5.625 204 288000
1701104140 SD P PU Al 5.125 204 265000
0000000000 Co P PU Al 4.5 204 214400
1701104163 Co P PU Al 4.25 204 372000
1702100082 Pu P PU Al 6.25 1203 120000
0000000000 SD P PU Al 6.625 1203 129750
1702100095 SD I RC Al 6 1203 240000
1702100100 SD P RC Al 5.75 1203 240000
1702100101 SD I RN Al 6.5 1203 135000
0000000000 SD P PU Al 5.25 1203 280000
1702100105 SD P PU Al 5.5 1203 225000
1702100111 SD P RC Al 6.375 107 409000
1702100112 2- I RN Al 6.25 1203 150500
1702100115 SD P RC Al 5.5 107 200000
1702100116 SD I PU Al 6.5 107 67500
1702100117 SD I PU Al 5.5 107 59800
1702100118 SD I RC Al 6.75 130 67500
1702100123 SD P RC Al 6.75 107 175750
1702100126 SD P RC Al 6.25 107 59000
1702100127 2- I PU Al 6 130 61650
1702100129 SD P RC Al 6.375 130 248000
1702100132 SD P PU Al 6.5 204 148000
1702100140 SD P RC Al 5 204 310500
1702100141 SD I PU Al 5.75 204 261000
1702100142 SD I RC Al 4.75 204 91200
0000000000 SD P PU Al 5 204 322000
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1703100011 Pu P RC Al 5.625 1203 1000000
1703100070 Pu P RC Al 5 1203 212500
1703100076 SD I RC Al 6.75 1203 199200
1703100080 Pu P RN Al 4.75 1203 222100
1703100083 Co I RN Al 5.75 1203 99700
1703100090 SA P PU Al 6.5 1203 350000
1703100094 SD P RC Al 6 1203 192800
1703100097 2- I RN Al 5.375 1203 183000
1703100098 Co P RN Al 4.125 1203 70000
1703100102 SD P RC Al 6 1203 244000
1703100104 Pu P RN Al 5.5 1203 117000
1703100113 SD P PU Al 5.625 1203 276000
1703100115 SD P RC Al 7 1203 430000
1703100117 Pu P RN Al 4.75 1203 237500
1703100121 SD P RC Al 7 1203 172000
1703100126 SD P PU Al 5.25 1203 147000
1703100131 SD P PU Al 5.25 1203 152600
1703100133 SD P RN Al 5.5 1203 141500
1703100137 SA P PU Al 5.125 1203 319000
1703100139 Pu P RC Al 5.75 1203 170000
1703100149 SD P RC Al 5.25 107 181600
1703100151 SD I RC Al 5 1203 108500
1703100161 Pu P RN Al 5.5 107 640000
1703100162 Pu P RN Al 5.625 1203 308000
1703100170 SD P RC Al 6.5 1203 880000
1703100172 Pu I RC Al 5.875 107 125000
1703100174 2- I PU Al 6.125 1203 148000
1703100175 SD P RC Al 5.625 1203 207000
1703100179 SD P PU Al 5.75 1203 93700
1703100182 SD P RN Al 6 204 190500
1703100185 Pu P RN Al 4.5 107 236700
1703100187 Pu P RN Al 6.625 107 333500
1703100190 Pu P RN Al 6 130 236000
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1703100193 Pu P RC Al 4.5 130 192000
1703100199 SD P RC Al 5.5 130 203000
1703100203 SD P RC Al 4.5 107 254450
1703100204 SD P RN Al 4.75 204 174800
1703100207 SD P RN Al 5 107 212000
1703100215 SA P RC Al 5.75 107 210000
1703100217 SD I RC Al 5.625 204 81500
1703100219 Co I RC Al 5.25 130 80000
1703100220 Pu S RC Al 4.75 107 159000
1703100221 SD P RN Al 5.25 204 149400
1703100222 Pu P RN Al 4.875 107 576000
1703100233 Pu S PU Al 4.75 130 508000
1703100238 Pu I RN Al 5.25 130 154400
1703100244 Pu P RN Al 3.875 130 200000
1703100247 SD P RC Al 5.875 204 102000
1703100248 SD I RN Al 5.25 204 150000
1703100251 Co I RN Al 5 204 104000
1703100263 SD I PU Al 5.625 204 95900
1703100272 SD I RC Al 5 204 192000
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1901009915 SD P RN Al 5.75 1203 640000
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1901011291 SD I RC Al 7.5 1203 136000
1901011391 SD P RC Su 7.2 1203 193500
1901011412 SD P RC Su 7.9 1203 112500
1901011486 2- P RC Al 6.5 1203 128000
1901011491 SD P RC Al 5.875 1203 420000
1901011504 SD P RC Su 5.95 1203 320000
1901011671 2- P RC Su 7.65 1203 264600
1901011747 2- P RC Su 6.4 1203 215000
1901011749 SD P RC Al 7 107 229500
1901011780 SD P RN Su 7.5 1203 300000
1901011804 2- P RC Su 6.55 1203 247200
1901011834 SD P RC Al 6.75 204 280000
1901011905 SD P RC Al 5.375 1203 450000
1901012285 SD I RC Al 7 1203 171600
1901012299 SD P RC Su 6.15 1203 196000
1901012430 SD P RC Al 5.25 107 275000
1901012461 SD P RC Al 6.625 130 185000
1901012625 SD P RC Al 6.75 130 251000
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3302000285 Pu P RN Al 5.25 1203 362500
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7301100050 SD I PU Al 4.875 107 130100
Id CurrBal 1stPayDt MatDt P&I OrigTerm Fcl/Bkt OLTV
-- ------- -------- ----- --- -------- ------- ----
36558583 168978.17 11/1/2003 10/1/2033 1302.11 360 100
36565364 127010.34 11/1/2003 10/1/2033 826.66 360 84.97
36565745 271504.21 12/1/2003 11/1/2033 1719 360 74.59
36576619 104668.74 11/1/2003 10/1/2033 715.57 360 100
36580009 234221.21 12/1/2003 11/1/2033 1561.88 360 100
36587954 170828.44 2/1/2004 1/1/2034 1024.13 360 95
36590370 237130.68 12/1/2003 11/1/2033 1502.76 360 92.79
36590586 320879.52 11/1/2003 10/1/2033 2086.34 360 100
36597953 288042.25 12/1/2003 11/1/2033 1920.78 360 91.75
36600955 194169.81 11/1/2003 10/1/2033 1279.71 360 99.49
36603686 188275.66 12/1/2003 11/1/2033 1162.48 360 100
36612281 224217.63 12/1/2003 11/1/2033 1465.29 360 90
36615359 69935.92 2/1/2004 1/1/2034 519.99 360 100
36617413 174575.67 12/1/2003 11/1/2033 1179.01 360 76.09
36628063 312625.11 12/1/2003 11/1/2033 1956.86 360 95
36628741 170596.59 12/1/2003 11/1/2033 1165.36 360 90
36632214 66642.76 11/1/2003 10/1/2033 521.36 360 100
36632743 169763.45 11/1/2003 10/1/2033 1104.45 360 100
36633683 114787.53 12/1/2003 11/1/2033 883.44 360 100
36636496 159830.43 2/1/2004 1/1/2034 958.19 360 100
36638294 64855.83 12/1/2003 11/1/2033 499.33 360 100
36644995 115645.85 11/1/2003 10/1/2033 789.99 360 80
36647790 94312.92 12/1/2003 11/1/2033 701 360 100
36650430 164664.98 12/1/2003 11/1/2033 1209.56 360 100
36650927 123501.67 12/1/2003 11/1/2033 683.96 360 100
36653004 82220.12 12/1/2003 11/1/2033 583.51 360 100
36655546 180125.54 12/1/2003 11/1/2033 1323.19 360 100
36655744 111776.84 12/1/2003 11/1/2033 689.49 360 95
36657179 215491.44 12/1/2003 11/1/2033 1473.5 360 100
36657278 135666.25 11/1/2003 10/1/2033 1044.76 360 100
36659845 214400.01 12/1/2003 11/1/2033 1342.02 360 88.66
36662179 80407.22 11/1/2003 10/1/2033 626.32 360 100
36666238 249380.41 12/1/2003 11/1/2033 1661.58 360 100
36668507 237635.12 12/1/2003 11/1/2033 1278.86 360 100
36669158 187973.72 12/1/2003 11/1/2033 1222.61 360 99.74
36670974 146343.89 2/1/2004 1/1/2034 877.34 360 100
36671378 216787.09 12/1/2003 11/1/2033 1372.57 360 61.64
36671568 189637.8 2/1/2004 1/1/2034 1168.63 360 100
36673531 169334.48 12/1/2003 11/1/2033 1243.86 360 100
36673820 189388.99 12/1/2003 11/1/2033 1359.87 360 100
36676047 244550.66 12/1/2003 11/1/2033 1882.1 360 100
36677151 139244.13 12/1/2003 11/1/2033 1071.65 360 100
36678266 182546.49 12/1/2003 11/1/2033 1216.27 360 100
36678415 152474.8 12/1/2003 11/1/2033 991.34 360 99.35
36679504 199464.46 12/1/2003 11/1/2033 1329.26 360 100
36683167 85823.17 12/1/2003 11/1/2033 626.73 360 100
36689677 209048.65 2/1/2004 1/1/2034 1462.45 360 100
36691871 100863.83 12/1/2003 11/1/2018 904.95 180 88.56
36691970 199074.64 1/1/2004 12/1/2033 1162.92 360 95
36693000 107764.23 12/1/2003 11/1/2033 764.79 360 90
36696680 130473.43 12/1/2003 11/1/2033 784.57 360 100
36696706 307374.61 12/1/2003 11/1/2033 2257.85 360 100
36698066 169598.94 1/1/2004 12/1/2033 1158.55 360 79.81
36698959 89062.84 2/1/2004 1/1/2034 520.27 360 75
36701894 216000 2/1/2004 1/1/2034 1419.69 360 100
36704179 137543.93 12/1/2003 11/1/2033 782.68 360 100
36705663 189651.52 12/1/2003 11/1/2033 1459.59 360 100
36707495 171383.87 12/1/2003 11/1/2033 1200.77 360 100
36707677 200513.96 12/1/2003 11/1/2033 1352.82 360 100
36708931 145356.95 12/1/2003 11/1/2033 993.93 360 100
36711752 279416.95 12/1/2003 11/1/2033 2028.25 360 100
36712750 124690.22 12/1/2003 11/1/2033 830.79 360 100
36714814 176423.06 12/1/2003 11/1/2033 1235.14 360 100
36721108 193548.59 2/1/2004 1/1/2034 1136.73 360 100
36721637 122217.13 12/1/2003 11/1/2033 898.37 360 95
36722163 179553.89 12/1/2003 11/1/2033 1196.34 360 100
36726040 146669.66 1/1/2004 12/1/2033 1001.12 360 100
36727360 269635.73 1/1/2004 12/1/2033 1979.28 360 100
36727600 211331.13 12/1/2003 11/1/2033 1444.78 360 100
36728541 114778.03 12/1/2003 11/1/2033 863.15 360 100
36728657 119783.03 1/1/2004 12/1/2033 757.7 360 100
36729606 203983.16 2/1/2004 1/1/2034 1158.19 360 94.98
36729846 116825.45 12/1/2003 11/1/2033 817.28 360 100
36730950 269851.2 1/1/2004 12/1/2033 1841.92 360 95
36733087 114649.74 12/1/2003 11/1/2033 803.31 360 100
36734044 251229.42 1/1/2004 12/1/2033 1350.38 360 89.94
36734192 133144.19 12/1/2003 11/1/2033 887.12 360 95
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1703100172 124827.02 2/1/2004 1/1/2034 739.43 360 50.4
1703100174 148000 2/1/2004 1/1/2034 755.42 360 80
1703100175 207000 2/1/2004 1/1/2034 970.31 360 90
1703100179 93602.17 2/1/2004 1/1/2034 546.81 360 69.98
1703100182 190500 3/1/2004 2/1/2034 1142.15 360 78.72
1703100185 236700 2/1/2004 1/1/2034 887.63 360 90
1703100187 332909.89 2/1/2004 1/1/2034 2135.44 360 85.51
1703100190 236000 3/1/2004 2/1/2034 1414.94 360 80
0000000000 90000 2/1/2004 1/1/2034 393.75 360 90
1703100193 190908.22 2/1/2004 1/1/2034 720 360 80
1703100199 203000 2/1/2004 1/1/2034 930.42 360 94.42
1703100203 254050 2/1/2004 1/1/2034 954.19 360 84.25
1703100204 174800 3/1/2004 2/1/2034 691.92 360 92.98
1703100207 212000 2/1/2004 1/1/2034 883.33 360 80
1703100215 209975.89 2/1/2004 1/1/2034 1006.25 360 89.36
1703100217 81500 3/1/2004 2/1/2034 469.16 360 43.58
1703100219 80000 3/1/2004 2/1/2034 350 360 80
1703100220 159000 2/1/2004 1/1/2034 629.37 360 69.13
1703100221 149400 3/1/2004 2/1/2034 653.63 360 90
1703100222 576000 2/1/2004 1/1/2034 2340 360 80
1703100233 508000 3/1/2004 2/1/2034 2010.83 360 80
1703100238 154400 3/1/2004 2/1/2034 675.5 360 80
1703100244 200000 3/1/2004 2/1/2034 645.83 360 80
1703100247 102000 3/1/2004 2/1/2034 603.37 360 60
1703100248 150000 3/1/2004 2/1/2034 656.25 360 88.24
1703100251 104000 3/1/2004 2/1/2034 433.33 360 69.33
1703100263 95900 3/1/2004 2/1/2034 449.53 360 79.98
1703100272 192000 3/1/2004 2/1/2034 1030.7 360 61.74
1901008936 344977.61 8/1/2003 7/1/2033 2060.02 360 44.13
1901009915 635180.1 8/1/2003 7/1/2033 3734.87 360 77.58
1901010847 283719.91 11/1/2003 10/1/2033 1600.37 360 75
1901011291 135161.07 2/1/2004 1/1/2034 950.94 360 78.61
1901011391 193194.17 1/1/2004 12/1/2033 1313.46 360 90
1901011412 112345.43 1/1/2004 12/1/2033 817.66 360 75
1901011486 127212.73 1/1/2004 12/1/2023 954.33 240 35.07
1901011491 418274.54 12/1/2003 11/1/2033 2484.46 360 64.12
1901011504 319355.16 1/1/2004 12/1/2033 1908.29 360 69.41
1901011671 264217.68 1/1/2004 12/1/2033 1877.38 360 70
1901011747 214602.6 1/1/2004 12/1/2033 1344.84 360 53.75
1901011749 229311.88 2/1/2004 1/1/2034 1526.87 360 90
1901011780 299777.35 1/1/2004 12/1/2033 2097.65 360 85.71
1901011804 246756.17 1/1/2004 12/1/2033 1570.61 360 89.89
1901011834 279758.92 3/1/2004 2/1/2034 1816.08 360 70
1901011905 446022.37 1/1/2004 12/1/2018 3647.09 180 36
1901012285 171317.86 1/1/2004 12/1/2033 1141.66 360 79.81
1901012299 195619.85 1/1/2004 12/1/2033 1194.09 360 80
1901012430 275000 2/1/2004 1/1/2034 1203.13 360 50.18
1901012461 184836.77 3/1/2004 2/1/2034 1184.58 360 83.33
1901012625 251000 3/1/2004 2/1/2034 1627.99 360 73.82
1901013157 469000 3/1/2004 2/1/2019 3801.09 180 64.69
3302000285 358498.18 12/1/2003 11/1/2018 2914.06 180 74.74
5201461700 210136.43 5/1/2003 4/1/2033 1603.83 360 90
5201553900 148963.68 8/1/2003 7/1/2033 911.42 360 58.82
7301100043 558936.5 2/1/2004 1/1/2034 2858.33 360 75.68
7301100050 130100 2/1/2004 1/1/2034 528.53 360 79.64
309710004.7
Id Paid2Dt AdjRtCd Warehouse BallCd Appraisal Escrow LienPos DlgHist
-- ------- ------- --------- ------ --------- ------ ------- -------
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36565364 3/1/2004 F 150000
36565745 3/1/2004 F 365000
36576619 3/1/2004 A 107000
36580009 4/1/2004 A 235000
36587954 3/1/2004 A 180000
36590370 4/1/2004 A 256500
36590586 3/1/2004 A 322000
36597953 4/1/2004 A 315000
36600955 4/1/2004 A 196000
36603686 4/1/2004 A 189000
36612281 4/1/2004 F 250000
36615359 3/1/2004 A 70000
36617413 3/1/2004 A 230000
36628063 3/1/2004 A 330000
36628741 3/1/2004 A 190000
36632214 3/1/2004 A 67000
36632743 3/1/2004 A 171000
36633683 3/1/2004 A 115000
36636496 3/1/2004 A 159990
36638294 3/1/2004 A 65000
36644995 2/1/2004 A 145667
36647790 3/1/2004 A 94500
36650430 3/1/2004 A 165000
36650927 3/1/2004 A 127000
36653004 3/1/2004 A 89500
36655546 3/1/2004 A 180500
36655744 3/1/2004 A 118000
36657179 3/1/2004 A 216000
36657278 3/1/2004 F 136000
36659845 3/1/2004 A 242500
36662179 3/1/2004 A 81000
36666238 3/1/2004 A 250000
36668507 3/1/2004 A 238500
36669158 3/1/2004 A 189000
36670974 3/1/2004 A 146490
36671378 3/1/2004 F 352655
36671568 4/1/2004 A 190000
36673531 3/1/2004 F 169679
36673820 3/1/2004 A 190000
36676047 3/1/2004 A 245000
36677151 3/1/2004 F 139500
36678266 3/1/2004 A 183000
36678415 3/1/2004 A 154000
36679504 3/1/2004 A 200000
36683167 3/1/2004 A 86000
36689677 4/1/2004 A 209361
36691871 3/1/2004 F 115000
36691970 3/1/2004 A 210000
36693000 3/1/2004 A 120000
36696680 4/1/2004 A 140000
36696706 3/1/2004 A 308000
36698066 4/1/2004 F 213000
36698959 4/1/2004 A 119000
36701894 2/1/2004 A 216000
36704179 3/1/2004 A 138000
36705663 3/1/2004 F 190000
36707495 4/1/2004 A 172000
36707677 3/1/2004 A 201000
36708931 3/1/2004 A 145700
36711752 3/1/2004 A 280000
36712750 3/1/2004 A 125000
36714814 3/1/2004 A 176820
36721108 5/1/2004 A 195000
36721637 4/1/2004 A 129000
36722163 3/1/2004 A 180000
36726040 3/1/2004 A 152000
36727360 3/1/2004 A 270000
36727600 4/1/2004 A 212000
36728541 3/1/2004 F 115000
36728657 3/1/2004 A 122000
36729606 3/1/2004 A 215000
36729846 2/1/2004 A 117000
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36733087 4/1/2004 A 115000
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36734192 3/1/2004 A 140500
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36745131 3/1/2004 A 156500
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36749463 3/1/2004 A 171926
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36752830 3/1/2004 F 95000
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36755940 3/1/2004 F 205000
36756948 3/1/2004 A 108000
36757482 3/1/2004 A 289900
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36759215 3/1/2004 A 191900
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36763290 3/1/2004 A 276000
36767119 3/1/2004 F 75000
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36770196 4/1/2004 A 320454
36770832 3/1/2004 A 224000
36771640 4/1/2004 A 410000
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36774776 3/1/2004 A 155000
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36799211 3/1/2004 A 245000
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36817674 3/1/2004 A 215000
36818334 3/1/2004 A 148900
36819233 3/1/2004 A 81000 1
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36819555 3/1/2004 A 75000
36820520 3/1/2004 A 175000
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36822005 3/1/2004 A 67000
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36828010 3/1/2004 A 315032
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36829711 3/1/2004 A 295000
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36832459 3/1/2004 A 185000
36832491 3/1/2004 A 150000
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36834323 3/1/2004 A 280000
36834687 4/1/2004 A 225000
36834794 3/1/2004 A 128000
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36836989 3/1/2004 A 215950
36837276 3/1/2004 F 220000
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36838746 3/1/2004 F 152000
36839355 4/1/2004 A 86200
36839595 3/1/2004 A 183500
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36844298 3/1/2004 A 136000
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36847960 3/1/2004 A 255000
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36848166 3/1/2004 A 177000
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36850303 3/1/2004 F 150000
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36867364 3/1/2004 A 180000
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36875540 3/1/2004 A 280000
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1105100473 3/1/2004 A RFC 176000
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1105101460 3/1/2004 A RFC 637000
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1105101546 3/1/2004 A UBS 475000
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1105101617 3/1/2004 A UBS 160000
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1105101625 4/1/2004 A RFC 186500
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1105101665 5/1/2004 A UBS 112000
1105101669 3/1/2004 A UBS 100000
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1105101742 4/1/2004 A UBS 91000
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1701103068 4/1/2004 A UBS 270000
1701103072 4/1/2004 F UBS 210000
1701103076 3/1/2004 F RFC 690000
1701103078 3/1/2004 F UBS 595000
1701103085 3/1/2004 A RFC 300000
1701103087 3/1/2004 F UBS 495000
1701103093 3/1/2004 A UBS 820000
1701103102 3/1/2004 A UBS 175000
1701103109 3/1/2004 F RFC 304000
1701103115 3/1/2004 A UBS 275000
1701103116 3/1/2004 F RFC 420000
1701103120 3/1/2004 A RFC 323000
1701103122 3/1/2004 F UBS 450000
1701103123 3/1/2004 A UBS 400000
1701103130 2/1/2004 F UBS 600000
1701103145 3/1/2004 A UBS 475000
1701103151 3/1/2004 A UBS 365000
1701103152 4/1/2004 A UBS 265000
1701103160 3/1/2004 F UBS 190000
1701103175 4/1/2004 F UBS 290000
1701103176 3/1/2004 F UBS 875000
1701103177 3/1/2004 F UBS 185000
1701103178 4/1/2004 A RFC 175000
1701103181 3/1/2004 F RFC 1165000
1701103201 3/1/2004 A UBS 425000
1701103202 3/1/2004 A RFC 578000
1701103211 3/1/2004 F RFC 375000
1701103216 4/1/2004 F UBS 305000
1701103217 3/1/2004 A RFC 245000
1701103221 3/1/2004 F UBS 535000
1701103225 3/1/2004 A RFC 340000
1701103226 4/1/2004 A RFC 430000
1701103231 3/1/2004 A RFC 420500
1701103236 4/1/2004 A UBS 810000
1701103238 3/1/2004 A RFC 194000
1701103239 3/1/2004 F UBS 460000
1701103240 3/1/2004 A RFC 310000
1701103248 3/1/2004 A RFC 1450000
1701103254 3/1/2004 F UBS 151000
1701103261 3/1/2004 F UBS 330000
1701103262 3/1/2004 A UBS 315000
1701103263 3/1/2004 A RFC 275000
1701103269 3/1/2004 F UBS 393000
1701103270 3/1/2004 F UBS 200000
1701103272 3/1/2004 A UBS 303000
1701103273 3/1/2004 A UBS 900000
1701103274 3/1/2004 A UBS 457000
1701103279 4/1/2004 A RFC 475000
1701103283 3/1/2004 A RFC 335000
1701103285 3/1/2004 A RFC 570000
1701103293 3/1/2004 A RFC 1122757
1701103297 3/1/2004 A UBS 229000
1701103299 3/1/2004 F RFC 181000
1701103310 3/1/2004 A RFC 183000
1701103312 3/1/2004 A UBS 430000
1701103314 4/1/2004 A RFC 370000
1701103316 3/1/2004 A UBS 258000
1701103318 3/1/2004 A RFC 315000
1701103322 3/1/2004 A RFC 152000
1701103325 4/1/2004 F UBS 280000
1701103326 3/1/2004 A UBS 404000
1701103347 3/1/2004 A UBS 700000
1701103349 4/1/2004 A UBS 195000
1701103350 3/1/2004 A RFC 409500
1701103352 3/1/2004 A RFC 386500
1701103354 4/1/2004 A RFC 1400000
1701103356 3/1/2004 A UBS 349000
1701103358 4/1/2004 A UBS 290000
1701103362 3/1/2004 A RFC 152000
1701103366 3/1/2004 A RFC 1325000
1701103367 3/1/2004 F UBS 220000
1701103368 3/1/2004 A RFC 316000
1701103371 3/1/2004 F UBS 410000
1701103372 4/1/2004 A UBS 980000
1701103381 4/1/2004 A RFC 409000
1701103383 3/1/2004 A RFC 232000
1701103385 3/1/2004 F RFC 108000
1701103390 4/1/2004 A UBS 315000
1701103393 2/1/2004 A RFC 569000
1701103395 3/1/2004 A RFC 355000
1701103398 3/1/2004 A UBS 255000
1701103399 3/1/2004 F RFC 108000
1701103401 3/1/2004 A RFC 370000
1701103404 8/1/2004 A UBS 165000
1701103407 3/1/2004 F UBS 76000
1701103408 3/1/2004 A UBS 650000
1701103409 3/1/2004 F RFC 229000
1701103411 3/1/2004 A RFC 430000
1701103416 3/1/2004 A RFC 381000
1701103418 3/1/2004 F UBS 330000
1701103419 3/1/2004 A RFC 1150000
1701103422 3/1/2004 F UBS 615000
1701103424 3/1/2004 F UBS 345000
1701103427 3/1/2004 F UBS 204000
1701103428 3/1/2004 F UBS 825000
1701103432 3/1/2004 A UBS 1350000
1701103440 4/1/2004 F UBS 174000
1701103445 3/1/2004 A RFC 265000
1701103447 3/1/2004 A RFC 371500
1701103455 3/1/2004 A RFC 255000
1701103459 3/1/2004 F UBS 295000
1701103460 3/1/2004 F UBS 192000
1701103461 3/1/2004 A UBS 490000
1701103464 3/1/2004 F UBS 650000
1701103467 3/1/2004 F UBS 140000
1701103470 4/1/2004 A RFC 321000
1701103478 3/1/2004 F UBS 600000
1701103481 4/1/2004 A UBS 218000
1701103490 3/1/2004 F UBS 275000
1701103496 3/1/2004 F UBS 520000
1701103497 3/1/2004 F UBS 185000
1701103498 3/1/2004 F UBS 609900
1701103505 3/1/2004 A UBS 1300000
1701103514 3/1/2004 F UBS 205000
1701103520 3/1/2004 A RFC 375000
1701103534 4/1/2004 F RFC 183000
1701103543 3/1/2004 F UBS 92000
1701103544 3/1/2004 A UBS 185000
1701103546 3/1/2004 A UBS 325000
1701103550 3/1/2004 A RFC 253000
1701103552 3/1/2004 A RFC 1260000
1701103558 3/1/2004 A RFC 310000
1701103561 3/1/2004 A UBS 139000
1701103562 3/1/2004 A RFC 358000
1701103566 3/1/2004 A UBS 538000
1701103572 3/1/2004 F UBS 244000
1701103574 3/1/2004 F UBS 815000
1701103579 3/1/2004 A RFC 254500
1701103582 4/1/2004 F UBS 415000
1701103585 4/1/2004 A RFC 700000
1701103586 3/1/2004 A RFC 1100000
1701103587 3/1/2004 A UBS 197000
1701103589 3/1/2004 A UBS 380000
1701103590 4/1/2004 A RFC 555000
1701103594 3/1/2004 F UBS 290000
1701103595 4/1/2004 A UBS 470000
1701103601 3/1/2004 A RFC 570000
1701103603 3/1/2004 A UBS 122000
1701103605 3/1/2004 F UBS 103900
1701103606 4/1/2004 A RFC 265000
1701103611 3/1/2004 F UBS 410000
1701103613 3/1/2004 F UBS 200000
1701103614 3/1/2004 A UBS 260000
1701103615 3/1/2004 F UBS 220000
1701103618 3/1/2004 A RFC 341500
1701103631 3/1/2004 A RFC 286000
1701103638 4/1/2004 A UBS 210000
1701103639 3/1/2004 A RFC 265000
1701103644 3/1/2004 F UBS 323000
1701103646 3/1/2004 F RFC 250000
1701103648 4/1/2004 F UBS 300000
1701103651 3/1/2004 A UBS 260000
1701103656 2/1/2004 A RFC 390000
1701103658 3/1/2004 A UBS 1003000
1701103660 3/1/2004 F UBS 155000
1701103661 3/1/2004 A RFC 575000
1701103663 3/1/2004 F RFC 1070000
1701103668 3/1/2004 A RFC 413000
1701103672 3/1/2004 A UBS 165000
1701103676 3/1/2004 F RFC 735000
1701103678 4/1/2004 A RFC 307000
1701103681 3/1/2004 A UBS 360000
1701103682 3/1/2004 A RFC 305000
1701103688 3/1/2004 A UBS 200000
1701103696 3/1/2004 A UBS 455000
1701103699 3/1/2004 A RFC 395000
1701103702 3/1/2004 F RFC 340000
1701103704 2/1/2004 A RFC 790000
1701103705 3/1/2004 A UBS 215000
1701103706 3/1/2004 A UBS 233000
1701103708 3/1/2004 A RFC 1165000
1701103710 3/1/2004 F UBS 335000
1701103713 5/1/2004 A UBS 285000
1701103714 3/1/2004 F RFC 429000
1701103719 4/1/2004 F UBS 361000
1701103721 3/1/2004 A RFC 1150000
1701103728 3/1/2004 F UBS 540000
1701103729 3/1/2004 A RFC 665000 1
1701103736 3/1/2004 A RFC 640000
1701103743 3/1/2004 F UBS 363000
1701103746 4/1/2004 F RFC 575000
1701103749 3/1/2004 F UBS 220500
1701103754 3/1/2004 A RFC 1160000
1701103756 4/1/2004 A RFC 415000 1
1701103760 3/1/2004 A RFC 250000
1701103762 3/1/2004 A RFC 400000
1701103764 3/1/2004 A RFC 377500
1701103766 3/1/2004 A UBS 136000
1701103768 3/1/2004 A RFC 365000
1701103772 3/1/2004 A RFC 270000
1701103774 4/1/2004 A UBS 166000
1701103779 3/1/2004 A UBS 285000
1701103780 4/1/2004 F UBS 825000
1701103791 3/1/2004 F RFC 140000 1
1701103794 3/1/2004 F UBS 555000 1
1701103795 3/1/2004 F UBS 145000
1701103797 3/1/2004 A UBS 600000
1701103799 3/1/2004 F UBS 425000 1
1701103800 3/1/2004 A UBS 210000
1701103801 3/1/2004 A UBS 560000
1701103809 3/1/2004 A RFC 870000
1701103811 4/1/2004 A RFC 381000
1701103813 3/1/2004 A RFC 825000
1701103816 3/1/2004 A UBS 275000
1701103822 3/1/2004 A UBS 845000
1701103823 3/1/2004 F UBS 140000
1701103830 3/1/2004 A RFC 370000 1
1701103831 3/1/2004 F UBS 500000
1701103843 3/1/2004 A UBS 187000 1
1701103846 3/1/2004 A RFC 1150000
1701103847 4/1/2004 F UBS 510000
1701103848 4/1/2004 A UBS 215000
1701103850 3/1/2004 A UBS 480000
1701103851 3/1/2004 F RFC 1500000
1701103852 3/1/2004 F UBS 400000
1701103853 3/1/2004 F UBS 400000
1701103854 3/1/2004 A RFC 245000
1701103859 3/1/2004 F UBS 270000 1
1701103865 3/1/2004 A RFC 790000
1701103873 4/1/2004 F UBS 220000
1701103876 3/1/2004 A UBS 480000
1701103879 3/1/2004 A RFC 511000
1701103884 3/1/2004 A RFC 420000
1701103892 3/1/2004 A RFC 210000
1701103894 3/1/2004 A RFC 241500
1701103898 4/1/2004 A UBS 539000
1701103899 3/1/2004 A UBS 410000
1701103900 3/1/2004 A RFC 353000 1
1701103908 3/1/2004 F UBS 850000
1701103915 3/1/2004 F RFC 595000
1701103916 3/1/2004 F RFC 325000
1701103918 3/1/2004 F RFC 901000 1
1701103920 3/1/2004 F UBS 288000
1701103924 3/1/2004 A UBS 261000
1701103926 3/1/2004 A RFC 261000
1701103928 3/1/2004 F UBS 380000
1701103933 3/1/2004 A RFC 358000
1701103935 3/1/2004 F RFC 265000
1701103941 3/1/2004 A UBS 480000
1701103943 3/1/2004 A UBS 245000
1701103949 4/1/2004 A RFC 585000 1
1701103956 3/1/2004 A UBS 475000
1701103957 4/1/2004 A RFC 750000 1
1701103960 4/1/2004 A UBS 650000
1701103962 4/1/2004 A RFC 360000
1701103965 4/1/2004 A UBS 163000 1
1701103967 4/1/2004 A RFC 400000
1701103970 4/1/2004 A UBS 290000 1
1701103971 4/1/2004 A RFC 280000
1701103978 3/1/2004 A UBS 385000
1701103982 3/1/2004 F UBS 1700000
1701103989 3/1/2004 A RFC 525000
1701103994 3/1/2004 A UBS 850000
1701104009 4/1/2004 A RFC 193000
1701104012 3/1/2004 A UBS 133000
1701104016 3/1/2004 A RFC 210000
1701104018 4/1/2004 A RFC 400000
1701104020 3/1/2004 A RFC 700000
1701104032 3/1/2004 F UBS 367000
1701104033 4/1/2004 A UBS 275000
1701104036 3/1/2004 A RFC 1190000
1701104041 3/1/2004 A UBS 690000
1701104049 3/1/2004 F UBS 425000
1701104051 3/1/2004 A UBS 281000
1701104052 3/1/2004 A UBS 470000
1701104057 3/1/2004 A RFC 305000
1701104071 3/1/2004 A RFC 315000
1701104073 3/1/2004 A RFC 694000
1701104078 3/1/2004 F UBS 650000
1701104088 3/1/2004 A UBS 610000
1701104089 3/1/2004 F UBS 810000
1701104096 3/1/2004 A RFC 750000
1701104106 3/1/2004 A UBS 235000
1701104107 4/1/2004 F UBS 430000
1701104137 3/1/2004 A RFC 360000
1701104140 3/1/2004 A UBS 382000
1701104154 3/1/2004 A UBS 268000
1701104163 3/1/2004 A RFC 465000
1702100082 3/1/2004 F UBS 395000
1702100086 3/1/2004 F RFC 190000
1702100095 3/1/2004 A UBS 300000
1702100100 3/1/2004 A UBS 300000
1702100101 3/1/2004 F UBS 180000
1702100102 3/1/2004 A UBS 350000
1702100105 3/1/2004 A RFC 255000
1702100111 3/1/2004 F UBS 490000
1702100112 3/1/2004 F UBS 183000
1702100115 3/1/2004 F UBS 345000
1702100116 4/1/2004 F UBS 85000
1702100117 3/1/2004 A UBS 66000
1702100118 3/1/2004 F UBS 75000 1
1702100123 3/1/2004 A UBS 185000
1702100126 3/1/2004 F UBS 120000
1702100127 3/1/2004 A UBS 75000 1
1702100129 3/1/2004 F RFC 310000 1
1702100132 3/1/2004 F RFC 185000
1702100140 3/1/2004 A UBS 345000
1702100141 3/1/2004 A UBS 290000
1702100142 3/1/2004 A UBS 114000
1702100144 3/1/2004 A UBS 470000
1702100151 3/1/2004 A UBS 215000
1703100011 3/1/2004 A RFC 1280000
1703100070 3/1/2004 A UBS 250000
1703100076 3/1/2004 A UBS 249000
1703100080 3/1/2004 A UBS 235000
1703100083 3/1/2004 A UBS 134000
1703100090 3/1/2004 F RFC 500000
1703100094 2/1/2004 A UBS 241000
1703100097 3/1/2004 A UBS 360000
1703100098 4/1/2004 A RFC 100000
1703100102 3/1/2004 A UBS 305000
1703100104 3/1/2004 A UBS 124000
1703100113 3/1/2004 A UBS 307500
1703100115 3/1/2004 F RFC 615000
1703100117 3/1/2004 A UBS 250000
1703100121 3/1/2004 F UBS 215000
1703100126 4/1/2004 A RFC 210000
1703100131 4/1/2004 A RFC 220000
1703100133 3/1/2004 A UBS 204000
1703100137 4/1/2004 A UBS 400000
1703100139 3/1/2004 A UBS 264000
1703100149 3/1/2004 A RFC 227000
1703100151 3/1/2004 A UBS 155000
1703100161 3/1/2004 A UBS 800000
1703100162 4/1/2004 A UBS 420000
1703100170 3/1/2004 A RFC 1100000
1703100172 3/1/2004 A UBS 248000
1703100174 3/1/2004 A UBS 185000
1703100175 3/1/2004 A UBS 230000
1703100179 3/1/2004 A RFC 138000
1703100182 3/1/2004 F UBS 242000
1703100185 3/1/2004 A UBS 263000
1703100187 4/1/2004 A UBS 390000
1703100190 3/1/2004 F RFC 295000 1
1703100192 3/1/2004 A UBS 103000
1703100193 4/1/2004 A UBS 240000 1
1703100199 3/1/2004 A UBS 215000 1
1703100203 3/1/2004 A UBS 302000
1703100204 3/1/2004 A UBS 188000
1703100207 3/1/2004 A RFC 265000
1703100215 3/1/2004 A UBS 235000
1703100217 3/1/2004 A UBS 187000
1703100219 4/1/2004 A UBS 100000 1
1703100220 3/1/2004 A UBS 230000
1703100221 3/1/2004 A UBS 166000
1703100222 3/1/2004 A RFC 720000
1703100233 4/1/2004 A RFC 650000 1
1703100238 3/1/2004 A UBS 193000 1
1703100244 3/1/2004 A RFC 250000 1
1703100247 3/1/2004 F UBS 170000
1703100248 3/1/2004 A UBS 170000
1703100251 3/1/2004 A UBS 150000
1703100263 4/1/2004 A RFC 125000
1703100272 3/1/2004 A UBS 311000
1901008936 4/1/2004 F UBS 800000
1901009915 3/1/2004 F UBS 825000
1901010847 3/1/2004 A RFC 380000
1901011291 4/1/2004 F UBS 173000
1901011391 3/1/2004 A UBS 215000
1901011412 3/1/2004 A UBS 150000
1901011486 4/1/2004 F UBS 365000
1901011491 4/1/2004 A UBS 655000
1901011504 3/1/2004 A UBS 461000
1901011671 3/1/2004 A UBS 378000
1901011747 3/1/2004 A UBS 400000
1901011749 3/1/2004 A UBS 255000
1901011780 2/1/2004 A UBS 350000
1901011804 3/1/2004 A UBS 275000
1901011834 4/1/2004 F UBS 400000
1901011905 3/1/2004 F UBS 1250000
1901012285 3/1/2004 F UBS 215000
1901012299 3/1/2004 A UBS 245000
1901012430 3/1/2004 A UBS 548000
1901012461 4/1/2004 A UBS 222000 1
1901012625 3/1/2004 A UBS 340000 1
1901013157 3/1/2004 F RFC 725000
3302000285 3/1/2004 F UBS 485000
5201461700 3/1/2004 A RFC 235000
5201553900 3/1/2004 F RFC 255000
7301100043 3/1/2004 A UBS 740000
7301100050 4/1/2004 A RFC 185000
Id 12MosDlqCnt TotalPmt Units PaymentType Gross Rate OrigRt In
-- ----------- -------- ----- ----------- ---------- ------ --
36558583 1 F 8.49 8.49 M
36565364 1 F 6.75 6.75
36565745 1 F 6.49 6.49
36576619 1 F 7.24 7.24 M
36580009 1 F 6.99 6.99 M
36587954 1 F 5.99 5.99 M
36590370 1 F 6.49 6.49 M
36590586 1 F 6.74 6.74 M
36597953 1 F 6.99 6.99 M
36600955 1 F 6.865 6.865 M
36603686 1 F 6.24 6.24 M
36612281 1 F 6.79 6.79
36615359 1 F 8.13 8.13 M
36617413 1 F 7.125 7.125 M
36628063 1 F 6.38 6.38 M
36628741 1 F 7.24 7.24 M
36632214 1 F 8.63 8.63 M
36632743 1 F 6.74 6.74 M
36633683 1 F 8.49 8.49 M
36636496 1 F 5.99 5.99 M
36638294 1 F 8.49 8.49 M
36644995 1 F 7.24 7.24 M
36647790 1 F 8.115 8.115 M
36650430 1 F 7.99 7.99 M
36650927 1 F 5.24 5.24 M
36653004 1 F 7.63 7.63 M
36655546 1 F 7.99 7.99 M
36655744 1 F 6.24 6.24 M
36657179 1 F 7.25 7.25 M
36657278 1 F 8.49 8.49
36659845 1 F 6.38 6.38 M
36662179 1 F 8.615 8.615 M
36666238 1 F 6.99 6.99 M
36668507 1 F 4.99 4.99 M
36669158 1 F 6.75 6.75 M
36670974 1 F 5.99 5.99 M
36671378 1 F 6.49 6.49
36671568 1 F 6.24 6.24 M
36673531 1 F 7.99 7.99
36673820 1 F 7.74 7.74 M
36676047 1 F 8.49 8.49 M
36677151 1 F 8.49 8.49
36678266 1 F 6.99 6.99 M
36678415 1 F 6.74 6.74 M
36679504 1 F 6.99 6.99 M
36683167 1 F 7.928 7.928 M
36689677 1 F 7.49 7.49 M
36691871 1 F 6.815 6.815
36691970 1 F 5.74 5.74 M
36693000 1 F 7.63 7.63 M
36696680 1 F 5.99 5.99 M
36696706 1 F 7.99 7.99 M
36698066 1 F 7.24 7.24
36698959 1 F 5.74 5.74 M
36701894 1 F 6.88 6.88 M
36704179 1 F 5.49 5.49 M
36705663 1 F 8.49 8.49
36707495 1 F 7.49 7.49 M
36707677 1 F 7.115 7.115 M
36708931 1 F 7.25 7.25 M
36711752 1 F 7.865 7.865 M
36712750 1 F 6.99 6.99 M
36714814 1 F 7.49 7.49 M
36721108 1 F 5.74 5.74 M
36721637 1 F 7.99 7.99 M
36722163 1 F 6.99 6.99 M
36726040 1 F 7.24 7.24 M
36727360 1 F 7.99 7.99 M
36727600 1 F 7.24 7.24 M
36728541 1 F 8.24 8.24
36728657 1 F 6.49 6.49 M
36729606 1 F 5.49 5.49 M
36729846 1 F 7.49 7.49 M
36730950 1 F 7.24 7.24
36733087 1 F 7.49 7.49 M
36734044 1 F 4.99 4.99 M
36734192 1 F 6.99 6.99 M
36738466 1 F 4.99 4.99 M
36742518 1 F 6.49 6.49 M
36742591 1 F 7.24 7.24 M
36742781 1 F 5.63 5.63 M
36744225 1 F 5.88 5.88 M
36745131 1 F 6.99 6.99 M
36747616 1 F 6.74 6.74 M
36748507 1 F 7.49 7.49 M
36749463 1 F 7.24 7.24 M
36749596 1 F 7.13 7.13 M
36752301 1 F 8.365 8.365 M
36752830 1 F 7.63 7.63
36754026 1 F 5.64 5.64 M
36755940 1 F 8.49 8.49
36756948 1 F 5.74 5.74 M
36757482 1 F 5.49 5.49 M
36757896 1 F 6.74 6.74 M
36759215 1 F 7.74 7.74 M
36759256 1 F 6.74 6.74 M
36763019 1 F 6.49 6.49 M
36763290 1 F 5.49 5.49 M
36767119 1 F 8.88 8.88
36769602 1 F 5.49 5.49 M
36769982 1 F 8.24 8.24 M
36770196 1 F 6.19 6.19 M
36770832 1 F 4.99 4.99 M
36771640 1 F 6.88 6.88 M
36771715 1 F 5.74 5.74 M
36774776 1 F 6.615 6.615 M
36775807 1 F 7.49 7.49
36775815 1 F 8.615 8.615 M
36776185 1 F 7.99 7.99 M
36776532 1 F 6.99 6.99 M
36776672 1 F 5.49 5.49 M
36776938 1 F 6.49 6.49 M
36777324 1 F 6.5 6.5 M
36777456 1 F 5.49 5.49 M
36778678 1 F 8.62 8.62
36780856 1 F 7.365 7.365 M
36781193 1 F 6.38 6.38 M
36781433 1 F 6.865 6.865 M
36781573 1 F 7.74 7.74
36782209 1 F 8.115 8.115 M
36784296 1 F 7.24 7.24 M
36786945 1 F 7.99 7.99 M
36788081 1 F 8.365 8.365 M
36788719 1 F 6.99 6.99 M
36788743 1 F 8.005 8.005 M
36788859 1 F 7.865 7.865 M
36788974 1 F 7.505 7.505 M
36789683 1 F 7.24 7.24 M
36791218 1 F 8.74 8.74
36791739 1 F 8.115 8.115 M
36792190 1 F 8.115 8.115 M
36792778 1 F 7.115 7.115 M
36793594 1 F 6.99 6.99 M
36794410 1 F 5.13 5.13 M
36796381 1 F 7.99 7.99
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1703100090 1 F 6.5 6.5
1703100094 1 I 6 6 IB
1703100097 2 I 5.375 5.375 IB
1703100098 1 I 4.125 4.125 IB
1703100102 1 I 6 6 IB
1703100104 1 I 5.5 5.5 IB
1703100113 1 I 5.625 5.625 IB
1703100115 1 F 7 7
1703100117 1 I 4.75 4.75 IB
1703100121 1 F 7 7
1703100126 1 I 5.25 5.25 IB
1703100131 1 F 5.25 5.25 IB
1703100133 1 I 5.5 5.5 IB
1703100137 1 I 5.125 5.125 IB
1703100139 1 I 5.75 5.75 IB
1703100149 1 I 5.25 5.25 IB
1703100151 1 I 5 5 IB
1703100161 1 I 5.5 5.5 IB
1703100162 1 I 5.625 5.625 IB
1703100170 1 F 6.5 6.5 IB
1703100172 1 F 5.875 5.875 IB
1703100174 2 I 6.125 6.125 IB
1703100175 1 I 5.625 5.625 IB
1703100179 1 F 5.75 5.75 IB
1703100182 1 F 6 6
1703100185 1 I 4.5 4.5 IB
1703100187 1 F 6.625 6.625 IB
1703100190 1 F 6 6
0000000000 1 I 5.25 5.25 IB
1703100193 1 I 4.5 4.5 IB
1703100199 1 I 5.5 5.5 IB
1703100203 1 I 4.5 4.5 IB
1703100204 1 I 4.75 4.75 IB
1703100207 1 I 5 5 IB
1703100215 1 I 5.75 5.75 IB
1703100217 1 F 5.625 5.625 IB
1703100219 1 I 5.25 5.25 IB
1703100220 1 I 4.75 4.75 IB
1703100221 1 I 5.25 5.25 IB
1703100222 1 I 4.875 4.875 IB
1703100233 1 I 4.75 4.75 IB
1703100238 1 I 5.25 5.25 IB
1703100244 1 I 3.875 3.875 IB
1703100247 1 F 5.875 5.875
1703100248 1 I 5.25 5.25 IB
1703100251 1 I 5 5 IB
1703100263 1 I 5.625 5.625 IB
1703100272 1 F 5 5 IB
1901008936 1 F 5.75 5.75
1901009915 1 F 5.75 5.75
0000000000 2 F 5.4 5.4 IB
1901011291 1 F 7.5 7.5
1901011391 1 F 7.2 7.2 IB
1901011412 1 F 7.9 7.9 IB
1901011486 3 F 6.5 6.5
1901011491 1 F 5.875 5.875 IB
1901011504 1 F 5.95 5.95 IB
1901011671 2 F 7.65 7.65 IB
1901011747 4 F 6.4 6.4 IB
1901011749 1 F 7 7 IB
1901011780 1 F 7.5 7.5 IB
1901011804 2 F 6.55 6.55 IB
1901011834 1 F 6.75 6.75
1901011905 1 F 5.375 5.375
1901012285 1 F 7 7
1901012299 1 F 6.15 6.15 IB
1901012430 1 I 5.25 5.25 IB
1901012461 1 F 6.625 6.625 IB
1901012625 1 F 6.75 6.75 IB
1901013157 1 F 5.375 5.375
3302000285 1 F 5.25 5.25
5201461700 1 F 8.35 8.35 IB
5201553900 1 F 6.125 6.125
7301100043 1 I 6.125 6.125 IB
7301100050 1 I 4.875 4.875 IB
6.11
Id Margin NextIntChgDt NextPayChgDt RtAdjFreq PayAdjFreq PerRtCap PerPayCap
-- ------ ------------ ------------ --------- ---------- -------- ---------
36558583 5 10/1/2005 11/1/2005 6 6 1
36565364 0 0 0
36565745 0 0 0
36576619 5 10/1/2005 11/1/2005 6 6 1
36580009 5 11/1/2005 12/1/2005 6 6 1
36587954 5 1/1/2006 2/1/2006 6 6 1
36590370 5 11/1/2005 12/1/2005 6 6 1
36590586 5 10/1/2005 11/1/2005 6 6 1
36597953 5 11/1/2005 12/1/2005 6 6 1
36600955 5 10/1/2005 11/1/2005 6 6 1
36603686 5 11/1/2005 12/1/2005 6 6 1
36612281 0 0 0
36615359 5 1/1/2006 2/1/2006 6 6 1
36617413 5 11/1/2005 12/1/2005 6 6 1
36628063 5 11/1/2005 12/1/2005 6 6 1
36628741 5 11/1/2005 12/1/2005 6 6 1
36632214 5 10/1/2005 11/1/2005 6 6 1
36632743 5 10/1/2005 11/1/2005 6 6 1
36633683 5 11/1/2005 12/1/2005 6 6 1
36636496 5 1/1/2006 2/1/2006 6 6 1
36638294 5 11/1/2005 12/1/2005 6 6 1
36644995 5 10/1/2005 11/1/2005 6 6 1
36647790 5 11/1/2005 12/1/2005 6 6 1
36650430 5 11/1/2005 12/1/2005 6 6 1
36650927 5 11/1/2005 12/1/2005 6 6 1
36653004 5 11/1/2005 12/1/2005 6 6 1
36655546 5 11/1/2005 12/1/2005 6 6 1
36655744 5 11/1/2005 12/1/2005 6 6 1
36657179 5 11/1/2005 12/1/2005 6 6 1
36657278 0 0 0
36659845 5 11/1/2005 12/1/2005 6 6 1
36662179 5 10/1/2005 11/1/2005 6 6 1
36666238 5 11/1/2005 12/1/2005 6 6 1
36668507 5 11/1/2005 12/1/2005 6 6 1
36669158 5 11/1/2005 12/1/2005 6 6 1
36670974 5 1/1/2006 2/1/2006 6 6 1
36671378 0 0 0
36671568 5 1/1/2006 2/1/2006 6 6 1
36673531 0 0 0
36673820 5 11/1/2005 12/1/2005 6 6 1
36676047 5 11/1/2005 12/1/2005 6 6 1
36677151 0 0 0
36678266 5 11/1/2005 12/1/2005 6 6 1
36678415 5 11/1/2005 12/1/2005 6 6 1
36679504 5 11/1/2005 12/1/2005 6 6 1
36683167 5 11/1/2005 12/1/2005 6 6 1
36689677 5 1/1/2006 2/1/2006 6 6 1
36691871 0 0 0
36691970 5 12/1/2005 1/1/2006 6 6 1
36693000 5 11/1/2005 12/1/2005 6 6 1
36696680 5 11/1/2005 12/1/2005 6 6 1
36696706 5 11/1/2005 12/1/2005 6 6 1
36698066 0 0 0
36698959 5 1/1/2006 2/1/2006 6 6 1
36701894 5 1/1/2006 2/1/2006 6 6 1
36704179 5 11/1/2005 12/1/2005 6 6 1
36705663 0 0 0
36707495 5 11/1/2005 12/1/2005 6 6 1
36707677 5 11/1/2005 12/1/2005 6 6 1
36708931 5 11/1/2005 12/1/2005 6 6 1
36711752 5 11/1/2005 12/1/2005 6 6 1
36712750 5 11/1/2005 12/1/2005 6 6 1
36714814 5 11/1/2005 12/1/2005 6 6 1
36721108 5 1/1/2006 2/1/2006 6 6 1
36721637 5 11/1/2005 12/1/2005 6 6 1
36722163 5 11/1/2005 12/1/2005 6 6 1
36726040 5 12/1/2005 1/1/2006 6 6 1
36727360 5 12/1/2005 1/1/2006 6 6 1
36727600 5 11/1/2005 12/1/2005 6 6 1
36728541 0 0 0
36728657 5 12/1/2005 1/1/2006 6 6 1
36729606 5 1/1/2006 2/1/2006 6 6 1
36729846 5 11/1/2005 12/1/2005 6 6 1
36730950 0 0 0
36733087 5 11/1/2005 12/1/2005 6 6 1
36734044 5 12/1/2005 1/1/2006 6 6 1
36734192 5 11/1/2005 12/1/2005 6 6 1
36738466 5 1/1/2006 2/1/2006 6 6 1
36742518 5 12/1/2005 1/1/2006 6 6 1
36742591 5 12/1/2005 1/1/2006 6 6 1
36742781 5 12/1/2005 1/1/2006 6 6 1
36744225 5 1/1/2006 2/1/2006 6 6 1
36745131 5 1/1/2006 2/1/2006 6 6 1
36747616 5 12/1/2005 1/1/2006 6 6 1
36748507 5 1/1/2006 2/1/2006 6 6 1
36749463 5 1/1/2006 2/1/2006 6 6 1
36749596 5 12/1/2005 1/1/2006 6 6 1
36752301 5 1/1/2006 2/1/2006 6 6 1
36752830 0 0 0
36754026 5 1/1/2006 2/1/2006 6 6 1
36755940 0 0 0
36756948 5 1/1/2006 2/1/2006 6 6 1
36757482 5 1/1/2006 2/1/2006 6 6 1
36757896 5 1/1/2006 2/1/2006 6 6 1
36759215 5 1/1/2006 2/1/2006 6 6 1
36759256 5 1/1/2006 2/1/2006 6 6 1
36763019 5 1/1/2006 2/1/2006 6 6 1
36763290 5 1/1/2006 2/1/2006 6 6 1
36767119 0 0 0
36769602 5 1/1/2006 2/1/2006 6 6 1
36769982 5 1/1/2006 2/1/2006 6 6 1
36770196 5 1/1/2006 2/1/2006 6 6 1
36770832 5 12/1/2005 1/1/2006 6 6 1
36771640 5 1/1/2006 2/1/2006 6 6 1
36771715 5 1/1/2006 2/1/2006 6 6 1
36774776 5 1/1/2006 2/1/2006 6 6 1
36775807 0 0 0
36775815 5 1/1/2006 2/1/2006 6 6 1
36776185 5 1/1/2006 2/1/2006 6 6 1
36776532 5 1/1/2006 2/1/2006 6 6 1
36776672 5 12/1/2005 1/1/2006 6 6 1
36776938 5 1/1/2006 2/1/2006 6 6 1
36777324 5 1/1/2006 2/1/2006 6 6 1
36777456 5 1/1/2006 2/1/2006 6 6 1
36778678 0 0 0
36780856 5 1/1/2006 2/1/2006 6 6 1
36781193 5 1/1/2006 2/1/2006 6 6 1
36781433 5 1/1/2006 2/1/2006 6 6 1
36781573 0 0 0
36782209 5 1/1/2006 2/1/2006 6 6 1
36784296 5 1/1/2006 2/1/2006 6 6 1
36786945 5 1/1/2006 2/1/2006 6 6 1
36788081 5 12/1/2005 1/1/2006 6 6 1
36788719 5 1/1/2006 2/1/2006 6 6 1
36788743 5 1/1/2006 2/1/2006 6 6 1
36788859 5 1/1/2006 2/1/2006 6 6 1
36788974 5 1/1/2006 2/1/2006 6 6 1
36789683 5 1/1/2006 2/1/2006 6 6 1
36791218 0 0 0
36791739 5 12/1/2005 1/1/2006 6 6 1
36792190 5 1/1/2006 2/1/2006 6 6 1
36792778 5 1/1/2006 2/1/2006 6 6 1
36793594 5 12/1/2005 1/1/2006 6 6 1
36794410 5 1/1/2006 2/1/2006 6 6 1
36796381 0 0 0
36797017 5 1/1/2006 2/1/2006 6 6 1
36797298 5 1/1/2006 2/1/2006 6 6 1
36797769 5 1/1/2006 2/1/2006 6 6 1
36798049 0 0 0
36798742 5 1/1/2006 2/1/2006 6 6 1
36799211 5 1/1/2006 2/1/2006 6 6 1
36799401 5 1/1/2006 2/1/2006 6 6 1
36800282 5 1/1/2006 2/1/2006 6 6 1
36800423 5 1/1/2006 2/1/2006 6 6 1
36801140 5 1/1/2006 2/1/2006 6 6 1
36801710 5 1/1/2006 2/1/2006 6 6 1
36801744 5 1/1/2006 2/1/2006 6 6 1
36802320 5 1/1/2006 2/1/2006 6 6 1
36802395 5 1/1/2006 2/1/2006 6 6 1
36802874 5 1/1/2006 2/1/2006 6 6 1
36802890 0 0 0
36802965 5 1/1/2006 2/1/2006 6 6 1
36803237 5 1/1/2006 2/1/2006 6 6 1
36803328 5 1/1/2006 2/1/2006 6 6 1
36804201 5 1/1/2006 2/1/2006 6 6 1
36804615 5 1/1/2006 2/1/2006 6 6 1
36804920 5 1/1/2006 2/1/2006 6 6 1
36805026 5 1/1/2006 2/1/2006 6 6 1
36805935 5 1/1/2006 2/1/2006 6 6 1
36806164 5 1/1/2006 2/1/2006 6 6 1
36806511 5 1/1/2006 2/1/2006 6 6 1
36808210 5 1/1/2006 2/1/2006 6 6 1
36808483 5 1/1/2006 2/1/2006 6 6 1
36808939 5 1/1/2006 2/1/2006 6 6 1
36809036 5 1/1/2006 2/1/2006 6 6 1
36809242 5 1/1/2006 2/1/2006 6 6 1
36809846 0 0 0
36812428 5 1/1/2006 2/1/2006 6 6 1
36813129 5 1/1/2006 2/1/2006 6 6 1
36813475 5 1/1/2006 2/1/2006 6 6 1
36813699 5 1/1/2006 2/1/2006 6 6 1
36813954 5 1/1/2006 2/1/2006 6 6 1
36815074 5 1/1/2006 2/1/2006 6 6 1
36815215 5 1/1/2006 2/1/2006 6 6 1
36815249 5 1/1/2006 2/1/2006 6 6 1
36815322 5 1/1/2006 2/1/2006 6 6 1
36815470 0 0 0
36816023 5 1/1/2006 2/1/2006 6 6 1
36816387 5 1/1/2006 2/1/2006 6 6 1
36817278 5 1/1/2006 2/1/2006 6 6 1
36817674 5 1/1/2006 2/1/2006 6 6 1
36818334 5 2/1/2006 3/1/2006 6 6 1
36819233 5 1/1/2006 2/1/2006 6 6 1
36819407 5 1/1/2006 2/1/2006 6 6 1
36819555 5 1/1/2006 2/1/2006 6 6 1
36820520 5 1/1/2006 2/1/2006 6 6 1
36821049 5 1/1/2006 2/1/2006 6 6 1
36821296 5 1/1/2006 2/1/2006 6 6 1
36821353 5 1/1/2006 2/1/2006 6 6 1
36821726 5 1/1/2006 2/1/2006 6 6 1
36822005 5 1/1/2006 2/1/2006 6 6 1
36822229 5 1/1/2006 2/1/2006 6 6 1
36823813 5 1/1/2006 2/1/2006 6 6 1
36824050 5 1/1/2006 2/1/2006 6 6 1
36826212 5 1/1/2006 2/1/2006 6 6 1
36826899 5 1/1/2006 2/1/2006 6 6 1
36827616 5 1/1/2006 2/1/2006 6 6 1
36827640 5 1/1/2006 2/1/2006 6 6 1
36827921 5 1/1/2006 2/1/2006 6 6 1
36828010 5 1/1/2006 2/1/2006 6 6 1
36828341 5 1/1/2006 2/1/2006 6 6 1
36828770 5 1/1/2006 2/1/2006 6 6 1
36829356 5 1/1/2006 2/1/2006 6 6 1
36829711 5 1/1/2006 2/1/2006 6 6 1
36829885 5 1/1/2006 2/1/2006 6 6 1
36829935 5 1/1/2006 2/1/2006 6 6 1
36832459 5 1/1/2006 2/1/2006 6 6 1
36832491 5 1/1/2006 2/1/2006 6 6 1
36832517 5 1/1/2006 2/1/2006 6 6 1
36832905 0 0 0
36833267 5 1/1/2006 2/1/2006 6 6 1
36834323 5 1/1/2006 2/1/2006 6 6 1
36834687 5 1/1/2006 2/1/2006 6 6 1
36834794 5 1/1/2006 2/1/2006 6 6 1
36835668 5 1/1/2006 2/1/2006 6 6 1
36836989 5 1/1/2006 2/1/2006 6 6 1
36837276 0 0 0
36837359 5 1/1/2006 2/1/2006 6 6 1
36838019 5 1/1/2006 2/1/2006 6 6 1
36838746 0 0 0
36839355 5 1/1/2006 2/1/2006 6 6 1
36839595 5 1/1/2006 2/1/2006 6 6 1
36839983 0 0 0
36840973 5 1/1/2006 2/1/2006 6 6 1
36842433 5 1/1/2006 2/1/2006 6 6 1
36842714 5 1/1/2006 2/1/2006 6 6 1
36842722 5 1/1/2006 2/1/2006 6 6 1
36842961 5 1/1/2006 2/1/2006 6 6 1
36843449 0 0 0
36843480 5 1/1/2006 2/1/2006 6 6 1
36844298 5 1/1/2006 2/1/2006 6 6 1
36844561 5 1/1/2006 2/1/2006 6 6 1
36844579 5 1/1/2006 2/1/2006 6 6 1
36845030 5 1/1/2006 2/1/2006 6 6 1
36845766 5 1/1/2006 2/1/2006 6 6 1
36846731 5 1/1/2006 2/1/2006 6 6 1
36846897 5 1/1/2006 2/1/2006 6 6 1
36847960 5 1/1/2006 2/1/2006 6 6 1
36848075 5 1/1/2006 2/1/2006 6 6 1
36848166 5 1/1/2006 2/1/2006 6 6 1
36849974 5 1/1/2006 2/1/2006 6 6 1
36850303 0 0 0
36851798 5 1/1/2006 2/1/2006 6 6 1
36853018 5 1/1/2006 2/1/2006 6 6 1
36853455 5 1/1/2006 2/1/2006 6 6 1
36853554 5 1/1/2006 2/1/2006 6 6 1
36854024 5 1/1/2006 2/1/2006 6 6 1
36854065 0 0 0
36854438 5 1/1/2006 2/1/2006 6 6 1
36858314 5 1/1/2006 2/1/2006 6 6 1
36860823 5 1/1/2006 2/1/2006 6 6 1
36866721 5 1/1/2006 2/1/2006 6 6 1
36867091 5 1/1/2006 2/1/2006 6 6 1
36867364 5 1/1/2006 2/1/2006 6 6 1
36875243 5 2/1/2006 3/1/2006 6 6 1
36875540 5 1/1/2006 2/1/2006 6 6 1
1101001566 0 0
1101001751 2.75 7/1/2004 8/1/2004 6 6 1
1101001797 2.25 11/1/2008 12/1/2008 6 6 1
1101001862 2.375 5/1/2004 6/1/2004 6 6 1
1101001939 2.25 11/1/2008 12/1/2008 6 6 1
1101001944 2.25 11/1/2008 12/1/2008 6 6 1
1101001957 2.25 12/1/2008 1/1/2009 6 6 1
1101001996 0 0
1101002009 6.85 12/1/2005 1/1/2006 6 6 1
1101002015 0 0 0
1101002054 0 0
1101002061 2.75 2/1/2006 3/1/2006 6 6 1
1102000515 2.25 11/1/2008 12/1/2008 6 6 1
1102000554 2.25 12/1/2008 1/1/2009 6 6 1
1102000568 2.25 12/1/2008 1/1/2009 6 6 1
1102000574 0 0
1102000577
1102000587 2.25 12/1/2008 1/1/2009 6 6 1
0000000000 2.75 7/1/2004 8/1/2004 6 6 1
1102000622 2.25 8/1/2004 9/1/2004 6 6 1
1102000666 2.375 2/1/2006 3/1/2006 6 6 1
1104000051 0 0
1104000131 2.25 11/1/2008 12/1/2008 6 6 1
1104000142 0 0 0
1104000172 2.75 6/1/2004 7/1/2004 6 6 1
1104000184 2.75 8/1/2004 9/1/2004 6 6 1
1104000203 2.25 2/1/2009 3/1/2009 6 6 1
1104000219 2 8/1/2004 9/1/2004 6 6 1
1104000237 0 0
1104000240 2.375 2/1/2006 3/1/2006 6 6 1
1104000284 2.375 8/1/2004 9/1/2004 6 6 1
1104000285 2.375 8/1/2004 9/1/2004 6 6 1
1105000567 2.25 11/1/2008 12/1/2008 6 6 1
1105000605 0 0 0
1105000639 0 0 0
1105000706 2.25 10/1/2008 11/1/2008 6 6 1
1105000707 0 0 0
1105000724 0 0 0
1105000764 6.75 12/1/2005 1/1/2006 6 6 1
1105000779 2.25 12/1/2008 1/1/2009 6 6 1
0000000000 2.25 11/1/2008 12/1/2008 6 6 1
1105000827 8.45 12/1/2005 1/1/2006 6 6 1
0000000000 0 0
1105000860 7.49 12/1/2005 1/1/2006 6 6 1
1105000866 7.85 12/1/2005 1/1/2006 6 6 1
1105000869 5.95 12/1/2005 1/1/2006 6 6 1
1105000896 2.75 8/1/2004 9/1/2004 6 6 1
1105000900 6.49 1/1/2006 2/1/2006 6 6 1
1105000910 2.75 2/1/2006 3/1/2006 6 6 1
1105000914 2.25 1/1/2009 2/1/2009 6 6 1
1105100066 0 0 0
1105100297 8.45 8/1/2005 9/1/2005 6 6 1
1105100318 6.2 9/1/2005 10/1/2005 6 6 1
1105100376 7.15 9/1/2005 10/1/2005 6 6 1
1105100412 5.4 9/1/2005 10/1/2005 6 6 1
1105100456 6.6 12/1/2005 1/1/2006 6 6 1
1105100473 2.25 1/1/2009 2/1/2009 6 6 1
1105100486 7.7 9/1/2005 10/1/2005 6 6 1
1105100509 7.75 10/1/2005 11/1/2005 6 6 1
1105100616 2.25 10/1/2008 11/1/2008 6 6 1
1105100666 6.45 1/1/2006 2/1/2006 6 6 1
0000000000 9.1 12/1/2005 1/1/2006 6 6 1
1105100753 6.8 12/1/2005 1/1/2006 6 6 1
1105100791 2.25 10/1/2008 11/1/2008 6 6 1
0000000000 0 0 0
1105100860 6.75 12/1/2005 1/1/2006 6 6 1
1105100877 6.6 12/1/2005 1/1/2006 6 6 1
1105100917 2.25 11/1/2008 12/1/2008 6 6 1
1105100922 7.55 1/1/2006 2/1/2006 6 6 1
1105100959 0 0
1105100973 7.6 12/1/2005 1/1/2006 6 6 1
1105100984 2.25 11/1/2008 12/1/2008 6 6 1
1105100989 7.75 1/1/2006 2/1/2006 6 6 1
1105101000 6.49 2/1/2006 3/1/2006 6 6 1
1105101003 5.2 1/1/2006 2/1/2006 6 6 1
1105101016 6 1/1/2006 2/1/2006 6 6 1
1105101017 2.25 11/1/2008 12/1/2008 6 6 1
0000000000 2.25 11/1/2008 12/1/2008 6 6 1
1105101021 2.25 11/1/2008 12/1/2008 6 6 1
1105101032 7 12/1/2005 1/1/2006 6 6 1
1105101041 2.25 11/1/2008 12/1/2008 6 6 1
1105101062 6.95 12/1/2005 1/1/2006 6 6 1
1105101064 2.25 1/1/2009 2/1/2009 6 6 1
1105101074 0 0
1105101094 6.4 12/1/2005 1/1/2006 6 6 1
1105101109 7.49 12/1/2005 1/1/2006 6 6 1
1105101122 7.45 12/1/2005 1/1/2006 6 6 1
0000000000 2.25 11/1/2008 12/1/2008 6 6 1
1105101180 6.95 12/1/2005 1/1/2006 6 6 1
1105101201 6.95 12/1/2005 1/1/2006 6 6 1
1105101207 8.8 1/1/2006 2/1/2006 6 6 1
1105101215 8.15 1/1/2006 2/1/2006 6 6 1
1105101225 8.1 12/1/2005 1/1/2006 6 6 1
1105101230 7.2 12/1/2005 1/1/2006 6 6 1
1105101233 6.2 12/1/2005 1/1/2006 6 6 1
0000000000 6.85 12/1/2005 1/1/2006 6 6 1
1105101257 7.2 12/1/2005 1/1/2006 6 6 1
1105101258 7.2 12/1/2005 1/1/2006 6 6 1
1105101259 0 0
1105101268 6.8 12/1/2005 1/1/2006 6 6 1
1105101276 6 12/1/2005 1/1/2006 6 6 1
0000000000 7.2 12/1/2005 1/1/2006 6 6 1
1105101282 6.45 12/1/2005 1/1/2006 6 6 1
1105101286 6.4 12/1/2005 1/1/2006 6 6 1
1105101289 2.25 1/1/2009 2/1/2009 6 6 1
1105101294 7.49 12/1/2005 1/1/2006 6 6 1
1105101302 6.4 12/1/2005 1/1/2006 6 6 1
1105101303 8.2 12/1/2005 1/1/2006 6 6 1
1105101304 6.95 12/1/2005 1/1/2006 6 6 1
1105101305 7.95 12/1/2005 1/1/2006 6 6 1
0000000000 6.85 12/1/2005 1/1/2006 6 6 1
1105101346 7.55 12/1/2005 1/1/2006 6 6 1
1105101347 6.45 12/1/2005 1/1/2006 6 6 1
1105101353 5.65 12/1/2005 1/1/2006 6 6 1
1105101355 6.6 12/1/2005 1/1/2006 6 6 1
1105101357 7.45 12/1/2005 1/1/2006 6 6 1
1105101359 6.95 12/1/2005 1/1/2006 6 6 1
1105101365 6.85 12/1/2005 1/1/2006 6 6 1
1105101366 8.3 12/1/2005 1/1/2006 6 6 1
1105101371 7 12/1/2005 1/1/2006 6 6 1
1105101373 7.55 12/1/2005 1/1/2006 6 6 1
1105101374 6.4 1/1/2006 2/1/2006 6 6 1
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Id LifeMaxRt LifeMinRt OrigP&I 1stRtChgDt RndCd ARM PlanCd ARM ConvertCd
-- --------- --------- ------- ---------- ----- ---------- -------------
36558583 15.49 5 1302.11 10/1/2005
36565364 826.66
36565745 1719
36576619 14.24 5 715.57 10/1/2005
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36603686 13.24 5 1162.48 11/1/2005
36612281 1465.29
36615359 15.13 5 519.99 1/1/2006
36617413 14.125 5 1179.01 11/1/2005
36628063 13.38 5 1956.86 11/1/2005
36628741 14.24 5 1165.36 11/1/2005
36632214 15.63 5 521.36 10/1/2005
36632743 13.74 5 1104.45 10/1/2005
36633683 15.49 5 883.44 11/1/2005
36636496 12.99 5 958.19 1/1/2006
36638294 15.49 5 499.33 11/1/2005
36644995 14.24 5 789.99 10/1/2005
36647790 15.115 5 701 11/1/2005
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36655546 14.99 5 1323.19 11/1/2005
36655744 13.24 5 689.49 11/1/2005
36657179 14.25 5 1473.5 11/1/2005
36657278 1044.76
36659845 13.38 5 1342.02 11/1/2005
36662179 15.615 5 626.32 10/1/2005
36666238 13.99 5 1661.58 11/1/2005
36668507 11.99 5 1278.86 11/1/2005
36669158 13.75 5 1222.61 11/1/2005
36670974 12.99 5 877.34 1/1/2006
36671378 1372.57
36671568 13.24 5 1168.63 1/1/2006
36673531 1243.86
36673820 14.74 5 1359.87 11/1/2005
36676047 15.49 5 1882.1 11/1/2005
36677151 1071.65
36678266 13.99 5 1216.27 11/1/2005
36678415 13.74 5 991.34 11/1/2005
36679504 13.99 5 1329.26 11/1/2005
36683167 14.928 5 626.73 11/1/2005
36689677 14.49 5 1462.45 1/1/2006
36691871 904.95
36691970 12.74 5 1162.92 12/1/2005
36693000 14.63 5 764.79 11/1/2005
36696680 12.99 5 784.57 11/1/2005
36696706 14.99 5 2257.85 11/1/2005
36698066 1158.55
36698959 12.74 5 520.27 1/1/2006
36701894 13.88 5 1419.69 1/1/2006
36704179 12.49 5 782.68 11/1/2005
36705663 1459.59
36707495 14.49 5 1200.77 11/1/2005
36707677 14.115 5 1352.82 11/1/2005
36708931 14.25 5 993.93 11/1/2005
36711752 14.865 5 2028.25 11/1/2005
36712750 13.99 5 830.79 11/1/2005
36714814 14.49 5 1235.14 11/1/2005
36721108 12.74 5 1136.73 1/1/2006
36721637 14.99 5 898.37 11/1/2005
36722163 13.99 5 1196.34 11/1/2005
36726040 14.24 5 1001.12 12/1/2005
36727360 14.99 5 1979.28 12/1/2005
36727600 14.24 5 1444.78 11/1/2005
36728541 863.15
36728657 13.49 5 757.7 12/1/2005
36729606 12.49 5 1158.19 1/1/2006
36729846 14.49 5 817.28 11/1/2005
36730950 1841.92
36733087 14.49 5 803.31 11/1/2005
36734044 11.99 5 1350.38 12/1/2005
36734192 13.99 5 887.12 11/1/2005
36738466 11.99 5 1339.99 1/1/2006
36742518 13.49 5 1603.78 12/1/2005
36742591 14.24 5 2078.57 12/1/2005
36742781 12.63 5 930.1 12/1/2005
36744225 12.88 5 1745.98 1/1/2006
36745131 13.99 5 1040.15 1/1/2006
36747616 13.74 5 1166.28 12/1/2005
36748507 14.49 5 1075.04 1/1/2006
36749463 14.24 5 1171.67 1/1/2006
36749596 14.13 5 970.64 12/1/2005
36752301 15.365 5 1040.33 1/1/2006
36752830 639.09
36754026 12.64 5 580.46 1/1/2006
36755940 1574.82
36756948 12.74 5 613.29 1/1/2006
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36759256 13.74 5 1767.56 1/1/2006
36763019 13.49 5 820.83 1/1/2006
36763290 12.49 5 1487.1 1/1/2006
36767119 515.81
36769602 12.49 5 509.95 1/1/2006
36769982 15.24 5 998.25 1/1/2006
36770196 13.19 5 1960.6 1/1/2006
36770832 11.99 5 1201.11 12/1/2005
36771640 13.88 5 2120.99 1/1/2006
36771715 12.74 5 804.45 1/1/2006
36774776 13.615 5 935.81 1/1/2006
36775807 1075.74
36775815 15.615 5 610.01 1/1/2006
36776185 14.99 5 843.03 1/1/2006
36776532 13.99 5 1694.81 1/1/2006
36776672 12.49 5 1616.41 12/1/2005
36776938 13.49 5 1193.37 1/1/2006
36777324 13.5 5 1526.12 1/1/2006
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36778678 615.73
36780856 14.365 5 1539.89 1/1/2006
36781193 13.38 5 440.06 1/1/2006
36781433 13.865 5 1033.61 1/1/2006
36781573 1209.57
36782209 15.115 5 827.1 1/1/2006
36784296 14.24 5 1008.62 1/1/2006
36786945 14.99 5 302.02 1/1/2006
36788081 15.365 5 2065.48 12/1/2005
36788719 13.99 5 1395.73 1/1/2006
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36788859 14.865 5 1376.31 1/1/2006
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36791218 343.48
36791739 15.115 5 1572.61 12/1/2005
36792190 15.115 5 897.57 1/1/2006
36792778 14.115 5 942.26 1/1/2006
36793594 13.99 5 1960.66 12/1/2005
36794410 12.13 5 568.08 1/1/2006
36796381 738.93
36797017 14.24 5 1090.4 1/1/2006
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36797769 14.365 5 1745.68 1/1/2006
36798049 1414.82
36798742 11.99 5 962.43 1/1/2006
36799211 14.99 5 1576.09 1/1/2006
36799401 14.865 5 2318 1/1/2006
36800282 14.74 5 1717.73 1/1/2006
36800423 15.49 5 906.48 1/1/2006
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36801710 14.13 5 682.48 1/1/2006
36801744 13.99 5 1104.95 1/1/2006
36802320 15.115 5 1474.69 1/1/2006
36802395 14.74 5 1936.03 1/1/2006
36802874 13.49 5 808.21 1/1/2006
36802890 829.22
36802965 15.365 5 645.46 1/1/2006
36803237 12.49 5 1603.93 1/1/2006
36803328 13.24 5 1168.63 1/1/2006
36804201 14.615 5 1074.8 1/1/2006
36804615 14.24 5 1009.98 1/1/2006
36804920 14.74 5 611.94 1/1/2006
36805026 13.49 5 915.54 1/1/2006
36805935 12.74 5 945.82 1/1/2006
36806164 13.24 5 1420.8 1/1/2006
36806511 13.24 5 1156.33 1/1/2006
36808210 14.13 5 2156.98 1/1/2006
36808483 14.74 5 1574.59 1/1/2006
36808939 14.125 5 902.78 1/1/2006
36809036 14.49 5 1886.03 1/1/2006
36809242 12.74 5 1241.66 1/1/2006
36809846 476.29
36812428 13.74 5 1302.35 1/1/2006
36813129 13.74 5 842.31 1/1/2006
36813475 12.99 5 1017.54 1/1/2006
36813699 12.49 5 1048.11 1/1/2006
36813954 14.74 5 561.84 1/1/2006
36815074 14.74 5 1689.1 1/1/2006
36815215 14.34 5 1541.61 1/1/2006
36815249 12.865 5 765.79 1/1/2006
36815322 13.99 5 837.44 1/1/2006
36815470 633.78
36816023 13.89 5 967.16 1/1/2006
36816387 14.24 5 967.73 1/1/2006
36817278 14.24 5 992.02 1/1/2006
36817674 14.3 5 1384.85 1/1/2006
36818334 13.59 5 949.98 2/1/2006
36819233 14.125 5 538.97 1/1/2006
36819407 14.13 5 2049.13 1/1/2006
36819555 13.115 5 428.96 1/1/2006
36820520 14.5 5 1188.66 1/1/2006
36821049 13.99 5 2073.66 1/1/2006
36821296 12.755 5 706.54 1/1/2006
36821353 13.74 5 1717.02 1/1/2006
36821726 13.14 5 1460.59 1/1/2006
36822005 15.24 5 487.87 1/1/2006
36822229 14.115 5 2012.4 1/1/2006
36823813 14.74 5 1163.05 1/1/2006
36824050 12.74 5 1195.02 1/1/2006
36826212 13.74 5 1507.74 1/1/2006
36826899 14.865 5 1267.66 1/1/2006
36827616 14.14 5 1632.85 1/1/2006
36827640 11.99 5 1412.64 1/1/2006
36827921 14.88 5 1096.13 1/1/2006
36828010 12.49 5 1603.37 1/1/2006
36828341 13.74 5 842.31 1/1/2006
36828770 14.49 5 1100.18 1/1/2006
36829356 14.34 5 1596.83 1/1/2006
36829711 15.365 5 2240.13 1/1/2006
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36829935 14.965 5 841.03 1/1/2006
36832459 13.24 5 1136.34 1/1/2006
36832491 14.375 5 1036.01 1/1/2006
36832517 13.5 5 1207.25 1/1/2006
36832905 940.63
36833267 13.705 5 1194.38 1/1/2006
36834323 13.74 5 1814.21 1/1/2006
36834687 15.115 5 1669.04 1/1/2006
36834794 14.865 5 850.56 1/1/2006
36835668 13.265 5 1942.58 1/1/2006
36836989 13.49 5 1363.53 1/1/2006
36837276 1123.34
36837359 13.99 5 1013.4 1/1/2006
36838019 14.015 5 1779.05 1/1/2006
36838746 1029.94
36839355 15.24 5 646.99 1/1/2006
36839595 12.855 5 1032.95 1/1/2006
36839983 1106.61
36840973 13.99 5 2120.17 1/1/2006
36842433 15.49 5 712.89 1/1/2006
36842714 13.99 5 1894.2 1/1/2006
36842722 14.625 5 1203.25 1/1/2006
36842961 13.74 5 2073.39 1/1/2006
36843449 1006.63
36843480 13.74 5 1126.76 1/1/2006
36844298 14.865 5 985.15 1/1/2006
36844561 13.99 5 1103.29 1/1/2006
36844579 14.24 5 1219.2 1/1/2006
36845030 13.74 5 1049.65 1/1/2006
36845766 14.49 5 873.16 1/1/2006
36846731 13.99 5 1183.04 1/1/2006
36846897 13.985 5 877.2 1/1/2006
36847960 13.99 5 1694.81 1/1/2006
36848075 14.715 5 1142.39 1/1/2006
36848166 14.875 5 1268.87 1/1/2006
36849974 13.59 5 829.4 1/1/2006
36850303 922.24
36851798 13.74 5 1678.15 1/1/2006
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36853455 14.99 5 1898.64 1/1/2006
36853554 14.59 5 2151.43 1/1/2006
36854024 13.49 5 1357.53 1/1/2006
36854065 1466.13
36854438 13.99 5 898.91 1/1/2006
36858314 13.09 5 1301.5 1/1/2006
36860823 15.09 5 296.02 1/1/2006
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36867091 14.64 5 545.44 1/1/2006
36867364 14.14 5 1153.79 1/1/2006
36875243 13.99 5 657.98 2/1/2006
36875540 15.24 5 2101.58 1/1/2006
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1101001751 10 2.75 650 7/1/2004
1101001797 10.875 2.25 744.17 11/1/2008
1101001862 11.5 2.375 350.63 5/1/2004
1101001939 11.75 2.25 1815.19 11/1/2008
1101001944 10.75 2.25 1437.5 11/1/2008
1101001957 11.875 2.25 1347.36 12/1/2008
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1101002009 13.35 7.35 551.18 12/1/2005
1101002015 0 1950.49
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1101002061 11.75 2.75 785.83 2/1/2006
1102000515 11.75 2.25 1870.31 11/1/2008
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1104000131 11.875 2.25 353.23 11/1/2008
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1105100297 14.95 8.95 1413.02 8/1/2005
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1313000556 11.5 2.75 944.85 6/1/2004
1313000673 0 935.18
1313000674 11.5 2.375 2697.48 5/1/2004
1313000688 0 758.48
1313000690 0 586.56
1313000692 0 591.62
1313000695 0 971.09
1313000714 0 1147.43
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1313000741 11.5 2.375 1053.71 5/1/2004
1313000742 11.375 2.25 449.44 11/1/2006
1313000778 0 1636.17
1313000805 11.625 2.75 378.96 6/1/2004
1313000807 0 306.14
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1313000823 11.75 2.375 546.25 7/1/2004
1313000826 11.125 2.25 1132.1 1/1/2009
1313000838 12.875 2.75 535.29 6/1/2004
1313000872 0 1441.99
1313000875 11.25 2.75 652.09 7/1/2004
1313000878 11.25 2.75 523.91 7/1/2004
1313000898 11.5 2.25 1300 1/1/2009
1313000906 0 665.41
1313000915 11 2.25 1805 1/1/2007
1313000925 11.25 2.375 734.47 8/1/2004
1313000930 11.25 2.75 885.28 8/1/2004
1313000968 10.375 2.75 940.62 8/1/2004
1313000974 10.5 2.75 570 2/1/2006
1313000975 0 1160.02
1313000984 11.5 2.75 372.17 2/1/2006
1313001002 10.375 2.25 665.25 2/1/2009
1315000008 0 3166.12
1315000160 0 2506.4
1315000380 0 1534.9
1315000405 12.5 0 1390.55 10/1/2005
1315000457 10.875 2.375 406.25 4/1/2004
1315000465 10.25 2.25 728.88 11/1/2006
1315000484 10.5 2.25 741.35 11/1/2008
1315000504 10.5 2.25 715 12/1/2008
1315000512 10.75 2.25 1529.5 11/1/2008
1315000516 10.625 2.25 787.5 12/1/2008
1315000530 11.375 2.25 888.4 11/1/2008
1315000534 11.125 2.25 751.08 11/1/2008
1315000536 0 2625.54
1315000540 11.25 2.375 637.88 6/1/2004
1315000550 11.5 2.75 9166.67 7/1/2004
1315000552 10.75 2.25 2507 12/1/2008
1315000554 11 2.25 948 12/1/2008
1315000556 10.375 2.25 837.38 12/1/2008
1315000567 0 1414.94
1315000583 12 2.25 402.5 12/1/2008
1315000587 0 870.18
1315000588 10.125 2.25 590.66 1/1/2007
1315000593 10.375 2.25 627.98 1/1/2009
1315000594 12 2.25 1401.75 12/1/2008
1315000595 12 2.25 1401.75 12/1/2008
1315000640 11.25 2.75 893.59 8/1/2004
1315000641 11.25 2.75 1085.88 7/1/2004
1315000650 10.875 2.75 1329.25 7/1/2004
1315000664 11.375 2.75 1116.66 7/1/2004
1315000686 0 2543.61
1315000711 10.375 2.25 1724.26 2/1/2007
1316000075 11.625 2.25 414.06 11/1/2006
1316000101 10.5 2.25 577.5 11/1/2008
1316000113 10.5 2.25 567.79 11/1/2008
1316000131 11.125 2.25 656.22 12/1/2008
1316000152 10.625 2.75 1244.9 7/1/2004
1316000156 0 684.33
1316000165 0 910.14
1316000202 12.125 2.75 591.57 2/1/2006
1317000011 0 545.31
1317000013 10.5 2.25 487.44 11/1/2008
1319000001 11 2.75 833.33 7/1/2004
1319000002 11.125 2.75 871.25 8/1/2004
1321000001 11.25 2.25 646.51 11/1/2008
1321000005 0 418.99
1321000010 12.375 2.75 1337.42 2/1/2006
1501103507 0 3164.73
1501103528 0 511.49
1501103576 0 2859.51
1501104290 11.375 2.25 501.5 11/1/2008
1501105050 0 3177.63
1501105434 0 2759.07
1501105581 0 3247.67
1501105594 12 2.25 299.39 11/1/2008
1501105717 0 447.5
1501105787 0 1119.52
1501105799 0 384.46
1501105808 0 430.6
1501105861 0 2839.39
1501105897 11.875 2.25 655.29 12/1/2008
1501105952 0 2582.87
1501106046 0 309.97
1501106050 0 1699.1
1501106082 12 2.25 290.94 1/1/2009
1501106101 11 2.25 959.28 12/1/2008
1501106110 11.7 5.7 1439.4 1/1/2006
1501106139 0 895.11
1501106175 0 909.87
1501106243 0 827.69
1501106314 11.375 2.75 597.97 7/1/2004
1501106315 11.375 2.75 597.97 7/1/2004
1501106340 0 615.83
1501106371 0 533.4
1501106403 0 463.77
1501106416 0 1015.42
1501106538 10.75 2.75 3249.86 2/1/2006
1501106551 10.875 2.25 387.75 2/1/2009
1501106553 10.625 2.75 1011.33 8/1/2004
1501106580 0 733.01
1501106615 0 477.52
1501106619 10.75 2.75 585.83 8/1/2004
1501106624 11.5 2.75 385 8/1/2004
1501106628 11.75 2.25 1004.06 2/1/2009
1501106636 11.25 2.75 730.63 8/1/2004
1501106649 0 1624.34
1501106652 11.25 2.75 494.81 8/1/2004
1501106664 12.5 2.75 2681.25 8/1/2004
1501106667 10.875 2.75 369.02 8/1/2004
1501106720 11.125 2.75 1636.58 8/1/2004
1501106763 0 745.84
1501106790 11.5 2.25 870.04 2/1/2007
1701101581 10.5 2.375 3532.72 6/1/2008
1701101725 0 3436.46
1701101857 0 2762.48
1701102047 0 2424.75
1701102154 11.5 2.75 3941.67 7/1/2005
1701102187 9.625 2.375 3020.83 8/1/2005
1701102207 11.875 2.375 2053.8 11/1/2010
1701102241 0 2782.86
1701102610 0 5915.38
1701102664 11.75 2.375 796.61 3/1/2004
1701102721 0 2614.6
1701102807 10.5 2.75 1125 10/1/2005
1701102831 0 1137.67
1701102854 10.75 2.75 1316.15 11/1/2005
1701102865 12 2.375 1425 5/1/2004
1701102867 10.875 2.75 2055.63 11/1/2005
1701102872 10.75 2.75 1113.72 9/1/2005
1701102908 11.25 2.75 2688.13 11/1/2005
1701102936 11.5 2.75 755.16 11/1/2005
1701102937 11.5 2.75 1004.99 11/1/2005
1701102938 0 1516.97
1701102963 12.125 2.75 4433.13 11/1/2005
1701102967 12 2.75 4999.75 10/1/2005
1701102970 0 1668.6
1701102972 0 663.68
1701102980 10.875 2.375 1880 11/1/2008
1701102987 11.25 2.75 1049.56 10/1/2005
1701102989 0 4657.12
1701103007 11.25 2.75 1105.79 11/1/2005
1701103014 11.125 2.375 1776.25 11/1/2008
1701103043 0 496.43
1701103046 10.75 2.75 620.77 10/1/2005
1701103055 10.875 2.375 2910.08 12/1/2008
1701103057 11 2.75 993.13 10/1/2005
1701103062 0 1597.16
1701103063 11 2.75 802.08 11/1/2005
1701103067 11.125 2.375 1143.33 12/1/2008
1701103068 12 2.75 1295.03 11/1/2005
1701103072 0 1196.67
1701103076 0 3030.77
1701103078 0 2853.87
1701103085 10.125 2.75 721.88 11/1/2005
1701103087 0 801.67
1701103093 12.125 2.75 3290.76 11/1/2005
1701103102 11.5 2.75 794.34 11/1/2005
1701103109 0 1310.25
1701103115 11.5 2.75 992.29 11/1/2005
1701103116 0 1834.18
1701103120 10.625 2.75 871.43 11/1/2005
1701103122 0 2123.63
1701103123 10.625 2.375 1842.11 11/1/2008
1701103130 0 2594.39
1701103145 11 2.375 1781.25 11/1/2008
1701103151 11.5 2.75 1332.83 11/1/2005
1701103152 10.75 2.375 1015.83 11/1/2008
1701103160 0 948.29
1701103175 0 780.26
1701103176 0 3937.32
1701103177 0 778.32
1701103178 10.75 2.375 670.83 11/1/2008
1701103181 0 4945.57
1701103201 11.75 2.75 1984.15 11/1/2005
1701103202 11.25 2.75 2023 11/1/2005
1701103211 0 1613.59
1701103216 0 917.45
1701103217 10.375 2.75 856.28 11/1/2005
1701103221 0 2586.02
1701103225 10.875 2.25 1331.67 12/1/2006
1701103226 9.25 2.25 1218.33 11/1/2006
1701103231 11.5 2.75 1349.1 11/1/2005
1701103236 11 2.375 3240 11/1/2008
1701103238 11.25 2.75 560.44 11/1/2005
1701103239 0 2126.64
1701103240 10.125 2.75 852.5 11/1/2005
1701103248 9.5 2.75 2916.67 5/1/2004
1701103254 0 704.48
1701103261 0 854.7
1701103262 11.875 2.25 1490.68 12/1/2013
1701103263 10.25 2.75 681.77 11/1/2005
1701103269 0 1231.44
1701103270 0 1037.76
1701103272 10.875 2.375 1126.04 12/1/2008
1701103273 10.5 2.25 3300 11/1/2006
1701103274 9.75 2.25 864.9 11/1/2006
1701103279 11.625 2.375 2060.38 12/1/2008
1701103283 10.625 2.375 1542.76 11/1/2008
1701103285 11.5 2.75 2090 11/1/2005
1701103293 11.25 2.75 3438.31 11/1/2005
1701103297 10.625 2.75 1118.52 11/1/2005
1701103299 0 832.33
1701103310 12 2.75 768.02 12/1/2005
1701103312 9.875 2.375 845 11/1/2008
1701103314 9.875 2.25 1186.25 11/1/2006
1701103316 10.375 2.375 982.28 11/1/2008
1701103318 11.75 2.75 1470.61 11/1/2005
1701103322 10.875 2.75 494 12/1/2005
1701103325 0 1042.91
1701103326 12.125 2.75 1958.98 12/1/2005
1701103347 11.25 2.75 2187.5 12/1/2005
1701103349 10.5 2.375 715 11/1/2008
1701103350 9.875 2.25 1330.88 12/1/2006
1701103352 10.75 2.75 1223.92 12/1/2006
1701103354 11.625 2.75 5641.43 12/1/2005
1701103356 10.375 2.375 651.72 12/1/2008
1701103358 11.25 2.75 917.76 12/1/2005
1701103362 10.375 2.75 387.92 11/1/2005
1701103366 12.25 2.75 5305.99 12/1/2005
1701103367 0 1070.19
1701103368 11.75 2.75 1475.28 1/1/2006
1701103371 0 1573.85
1701103372 10.125 2.75 974.15 12/1/2005
1701103381 12.125 2.75 1450.6 12/1/2005
1701103383 11.125 2.75 687.6 12/1/2005
1701103385 0 490.35
1701103390 10.625 2.375 1450.65 12/1/2008
1701103393 12.25 2.75 2291.67 12/1/2006
1701103395 11.25 2.75 1568.26 12/1/2006
1701103398 10.75 2.25 910.42 1/1/2007
1701103399 0 490.35
1701103401 11.5 2.75 1356.67 12/1/2005
1701103404 10.375 2.375 554.37 12/1/2008
1701103407 0 479.61
1701103408 9.375 2.25 1750 12/1/2006
1701103409 0 1098.38
1701103411 10.875 2.75 1397.5 8/1/2004
1701103416 11.5 2.375 1395.17 12/1/2005
1701103418 0 1656.02
1701103419 12.375 2.75 4887.5 1/1/2006
1701103422 0 3191.1
1701103424 0 1011.81
1701103427 0 935.8
1701103428 0 4200.44
1701103432 10 2.375 1604.17 12/1/2008
1701103440 0 788.38
1701103445 11.875 2.75 1097.3 12/1/2005
1701103447 11.25 2.25 1545.83 12/1/2006
1701103455 11.5 2.75 818.13 12/1/2005
1701103459 0 1461.86
1701103460 0 1144.45
1701103461 11.75 2.75 1874.5 12/1/2005
1701103464 0 2684.44
1701103467 0 421.93
1701103470 11.875 2.75 1100.09 12/1/2005
1701103478 0 2594.39
1701103481 10.5 2.75 934.84 2/1/2006
1701103490 0 1389.03
1701103496 0 2561.38
1701103497 0 810.75
1701103498 0 2711.61
1701103505 11 2.375 3250 2/1/2009
1701103514 0 1009.78
1701103520 10.75 2.75 1187.5 12/1/2005
1701103534 0 809.68
1701103543 0 533.41
1701103544 10.875 2.75 763.75 12/1/2008
1701103546 11.5 2.75 1082.81 1/1/2006
1701103550 12.375 2.75 940.84 12/1/2005
1701103552 11.75 2.75 4786.88 1/1/2006
1701103558 11.25 2.75 1085 12/1/2005
1701103561 10.5 2.75 482.63 1/1/2009
1701103562 12.125 2.75 1461.83 1/1/2006
1701103566 12.875 2.75 2737.68 1/1/2006
1701103572 0 1077.51
1701103574 0 4412.25
1701103579 10.625 2.375 954.38 1/1/2009
1701103582 0 2278.15
1701103585 10.5 2.25 2566.67 12/1/2006
1701103586 10.5 2.375 3767.5 12/1/2008
1701103587 10.875 2.25 771.58 1/1/2007
1701103589 12.25 2.75 1851.56 1/1/2006
1701103590 10.75 2.375 2127.5 1/1/2009
1701103594 0 986.24
1701103595 11.25 2.75 1439.38 1/1/2006
1701103601 11.375 2.375 2844.85 12/1/2008
1701103603 10.125 2.375 398.41 7/1/2004
1701103605 0 257.81
1701103606 10.5 2.375 971.67 12/1/2008
1701103611 0 1902.53
1701103613 0 1037.76
1701103614 10.75 2.75 823.33 1/1/2006
1701103615 0 1141.53
1701103618 10.125 2.25 1166.79 1/1/2007
1701103631 10.75 2.75 1168.5 1/1/2006
1701103638 10.75 2.75 296.87 1/1/2006
1701103639 10.125 2.375 905.42 12/1/2008
1701103644 0 956.29
1701103646 0 1231.44
1701103648 0 923.58
1701103651 10.25 2.75 1148.58 1/1/2007
1701103656 12.5 2.75 1478.75 1/1/2006
1701103658 10.875 2.375 3671.87 1/1/2009
1701103660 0 763.49
1701103661 11.75 2.75 2181.17 1/1/2006
1701103663 0 4002.17
1701103668 10.5 2.75 1430 1/1/2009
1701103672 10.75 2.75 620.47 1/1/2006
1701103676 0 3996.95
1701103678 10.75 2.75 1278.04 1/1/2006
1701103681 11.25 2.75 1295 7/1/2004
1701103682 10.5 2.75 800.63 1/1/2006
1701103688 11.25 2.375 833.33 1/1/2009
1701103696 11.75 2.75 2389.74 1/1/2006
1701103699 10.75 2.75 1250.83 1/1/2006
1701103702 0 1718.59
1701103704 10.75 2.25 3028.33 1/1/2007
1701103705 11.5 2.75 886.88 7/1/2004
1701103706 10.875 2.75 986.45 1/1/2006
1701103708 11.625 2.75 4368.75 1/1/2006
1701103710 0 831.22
1701103713 11.75 2.75 1496.86 1/1/2006
1701103714 0 2141.13
1701103719 0 1184.78
1701103721 11 2.75 3559.38 1/1/2006
1701103728 0 2801.95
1701103729 12.125 2.75 2715.42 1/1/2006
1701103736 10.625 2.375 2381.25 1/1/2009
1701103743 0 1358.95
1701103746 0 2907.52
1701103749 0 1215.48
1701103754 10.875 2.375 3759.44 1/1/2006
1701103756 10.75 2.75 1313.77 8/1/2004
1701103760 11 2.75 833.33 1/1/2006
1701103762 11.25 2.75 1400 1/1/2006
1701103764 10.5 2.75 1384.17 1/1/2009
1701103766 10.25 2.75 533.26 2/1/2006
1701103768 9.75 2.75 1155.83 1/1/2007
1701103772 10.125 2.375 922.5 2/1/2007
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1701103780 0 3672.32
1701103791 0 652
1701103794 0 2806.38
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1701103801 10.375 2.375 1248.74 1/1/2009
1701103809 10.5 2.375 3189.54 2/1/2007
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1701103830 10.75 2.75 1154.65 1/1/2006
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1701103843 10.75 2.75 659.06 1/1/2006
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1701103848 10 2.75 536.67 7/1/2004
1701103850 11.625 2.75 1800 2/1/2006
1701103851 0 4771.81
1701103852 0 2455.84
1701103853 0 2172.81
1701103854 10 2.75 816.67 2/1/2007
1701103859 0 1774.7
1701103865 10.75 2.75 2423.69 2/1/2006
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1701103876 10.875 2.75 1364.19 2/1/2006
1701103879 10.75 2.75 1618.17 8/1/2004
1701103884 10.75 2.375 1571.67 1/1/2009
1701103892 11.5 2.75 770 2/1/2006
1701103894 11.5 2.75 885.5 2/1/2006
1701103898 11.25 2.75 1840.56 2/1/2006
1701103899 10.5 2.375 802.08 2/1/2009
1701103900 11.125 2.75 1206.08 2/1/2006
1701103908 0 4085.42
1701103915 0 2635.52
1701103916 0 1639.2
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1701103924 11.75 2.375 1114.54 8/1/2004
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1701103928 0 2544.85
1701103933 11.25 2.75 1253 2/1/2006
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1701103941 12.375 2.75 1997.5 2/1/2006
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1701103949 11 2.75 1950 2/1/2006
1701103956 9.875 2.625 1227.08 8/1/2004
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1701103960 11.25 2.75 2275 2/1/2006
1701103962 11.625 2.75 1350 2/1/2006
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1701104018 10.625 2.75 1562.99 2/1/2006
1701104020 10.875 2.75 2275 2/1/2006
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1701104049 0 2019.56
1701104051 10.75 2.75 834.64 2/1/2006
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1701104057 10.75 2.75 965.83 2/1/2006
1701104071 11.5 2.75 1155 2/1/2006
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1701104078 0 2077.52
1701104088 11.5 2.75 2236.67 2/1/2006
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1701104096 10.75 2.75 3128.06 2/1/2006
1701104106 9.875 2.375 858.81 2/1/2007
1701104107 0 1330.96
1701104137 10.625 2.375 1350 2/1/2009
1701104140 11.125 2.75 1131.77 2/1/2006
1701104154 9.5 2.375 804 2/1/2007
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1702100082 0 738.87
1702100086 0 830.81
1702100095 12 2.75 1438.93 11/1/2005
1702100100 11.75 2.75 1400.58 11/1/2005
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1702100102 11.25 2.75 1546.18 11/1/2005
1702100105 11.5 2.75 1277.53 11/1/2005
1702100111 0 2551.63
1702100112 0 926.66
1702100115 0 1135.58
1702100116 0 426.65
1702100117 10.5 2.25 339.54 1/1/2007
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1702100123 12.75 2.75 1139.92 1/1/2006
1702100126 0 363.28
1702100127 11 2.75 369.63 1/1/2007
1702100129 0 1547.2
1702100132 0 935.47
1702100140 11 2.75 1293.75 8/1/2004
1702100141 11.75 2.75 1250.63 2/1/2006
1702100142 10.75 2.75 361 2/1/2006
1702100144 11 2.75 1341.67 8/1/2004
1702100151 11 2.375 840 2/1/2007
1703100011 10.625 2.375 4687.5 11/1/2006
1703100070 11 2.75 885.42 1/1/2006
1703100076 11.75 2.75 1120.5 11/1/2008
1703100080 10.75 2.75 1158.58 10/1/2005
1703100083 10.75 2.375 477.73 10/1/2008
1703100090 0 2212.24
1703100094 12 2.75 964 11/1/2005
1703100097 10.375 2.375 819.69 11/1/2008
1703100098 10.125 2.75 240.63 11/1/2005
1703100102 12 2.75 1220 11/1/2005
1703100104 10.5 2.25 536.25 11/1/2006
1703100113 10.625 2.375 1293.75 11/1/2008
1703100115 0 2860.81
1703100117 10.75 2.75 940.1 12/1/2006
1703100121 0 1144.33
1703100126 11.25 2.75 643.13 11/1/2005
1703100131 11.25 2.75 842.67 12/1/2006
1703100133 11.5 2.75 648.54 12/1/2006
1703100137 10.125 2.375 1362.4 11/1/2008
1703100139 11.75 2.75 814.58 12/1/2006
1703100149 10.25 2.375 794.5 1/1/2007
1703100151 11 2.75 452.08 12/1/2005
1703100161 11.5 2.75 2933.33 1/1/2006
1703100162 10.625 2.375 1443.75 12/1/2008
1703100170 11.5 2.375 5562.2 1/1/2009
1703100172 10.875 2.375 739.43 1/1/2009
1703100174 11.125 2.375 755.42 1/1/2009
1703100175 11.625 2.375 970.31 7/1/2004
1703100179 11.75 2.75 546.81 1/1/2006
1703100182 0 1142.15
1703100185 10.5 2.75 887.63 7/1/2004
1703100187 12.625 2.75 2135.44 1/1/2006
1703100190 0 1414.94
1703100192 11.25 2.75 393.75 1/1/2006
1703100193 10.5 2.75 720 7/1/2004
1703100199 11.5 2.75 930.42 7/1/2004
1703100203 10.5 2.75 954.19 7/1/2004
1703100204 10.75 2.75 691.92 2/1/2006
1703100207 11 2.75 883.33 1/1/2006
1703100215 10.75 2.375 1006.25 1/1/2007
1703100217 11.625 2.375 469.16 2/1/2011
1703100219 10.25 2.25 350 2/1/2007
1703100220 10.75 2.75 629.37 1/1/2006
1703100221 11.25 2.75 653.63 2/1/2006
1703100222 10.875 2.75 2340 1/1/2006
1703100233 10.75 2.75 2010.83 8/1/2004
1703100238 10.25 2.375 675.5 2/1/2007
1703100244 9.875 2.75 645.83 8/1/2004
1703100247 0 603.37
1703100248 10.25 2.375 656.25 2/1/2007
1703100251 10 2.375 433.33 2/1/2007
1703100263 10.625 2.375 449.53 2/1/2009
1703100272 11 2.75 1030.7 2/1/2006
1901008936 0 2060.02
1901009915 0 3734.87
1901010847 11.4 5.4 1600.37 10/1/2005
1901011291 0 950.94
1901011391 13.2 7.2 1313.46 12/1/2005
1901011412 13.9 7.9 817.66 12/1/2005
1901011486 0 954.33
1901011491 10.875 2.25 2484.46 11/1/2008
1901011504 11.95 5.95 1908.29 12/1/2005
1901011671 13.65 7.65 1877.38 12/1/2005
1901011747 12.4 6.4 1344.84 12/1/2005
1901011749 12 2.25 1526.87 1/1/2009
1901011780 13.5 7.5 2097.65 12/1/2005
1901011804 12.55 6.55 1570.61 12/1/2005
1901011834 0 1816.08
1901011905 0 3647.09
1901012285 0 1141.66
1901012299 12.15 6.15 1194.09 12/1/2005
1901012430 11.25 2.375 1203.13 7/1/2004
1901012461 11.625 2.25 1184.58 2/1/2007
1901012625 11.75 1 1627.99 2/1/2009
1901013157 0 3801.09
3302000285 0 2914.06
5201461700 14.35 8.35 1603.83 4/1/2005
5201553900 0 911.42
7301100043 11.125 2.25 2858.33 1/1/2009
7301100050 10.875 2.75 528.53 7/1/2004
Id St Zip Cnty Ratio1 Ratio2 PMI OrigDt
-- -- --- ---- ------ ------ --- ------
36558583 IL 60440 42 RAD 9/12/2003
36565364 CA 92544 25 RAD 9/30/2003
36565745 CA 93704 29 RAD 10/14/2003
36576619 WY 82007 32 RAD 9/10/2003
36580009 CA 94520 38 RAD 10/30/2003
36587954 FL 33321 48 RAD 12/31/2003
36590370 OR 97230 48 RAD 10/10/2003
36590586 WA 98092 45 RAD 9/30/2003
36597953 MA 2151 34 RAD 10/10/2003
36600955 CO 80229 37 RAD 9/16/2003
36603686 CA 92503 22 RAD 10/10/2003
36612281 FL 33901 28 RAD 10/16/2003
36615359 LA 70092 45 RAD 12/5/2003
36617413 NY 10980 14 RAD 10/24/2003
36628063 CA 95127 40 RAD 10/15/2003
36628741 NV 89014 29 RAD 10/24/2003
36632214 TX 76115 43 RAD 10/6/2003
36632743 OK 74014 37 RAD 9/17/2003
36633683 CA 92234 45 RAD 10/24/2003
36636496 NV 89110 42 RAD 12/16/2003
36638294 TX 78118 27 RAD 10/20/2003
36644995 OR 97013 44 RAD 9/29/2003
36647790 NV 89110 34 RAD 10/17/2003
36650430 FL 33458 47 RAD 10/6/2003
36650927 KY 42372 25 RAD 10/2/2003
36653004 KY 40160 20 RAD 10/10/2003
36655546 AZ 85032 38 RAD 10/16/2003
36655744 CT 6810 49 RAD 10/14/2003
36657179 CA 95684 36 RAD 10/2/2003
36657278 PA 17113 40 RAD 9/30/2003
36659845 CA 93635 42 RAD 10/22/2003
36662179 CO 80246 44 RAD 10/2/2003
36666238 CA 95838 31 RAD 10/8/2003
36668507 AZ 85018 30 RAD 10/16/2003
36669158 CO 80013 36 RAD 10/9/2003
36670974 NV 89110 42 RAD 12/23/2003
36671378 PA 18901 38 RAD 10/28/2003
36671568 CA 90047 44 RAD 12/19/2003
36673531 TX 75089 21 RAD 10/14/2003
36673820 TX 78645 0 RAD 10/14/2003
36676047 TX 75104 38 RAD 10/30/2003
36677151 OH 44121 38 RAD 10/14/2003
36678266 WA 98374 40 RAD 10/22/2003
36678415 AZ 85205 44 RAD 10/28/2003
36679504 MA 2724 40 RAD 10/24/2003
36683167 OK 73080 49 RAD 10/28/2003
36689677 AZ 85379 32 RAD 12/24/2003
36691871 VA 24112 37 RAD 11/4/2003
36691970 CA 95360 48 RAD 11/21/2003
36693000 WA 98506 30 RAD 10/28/2003
36696680 CT 6410 43 RAD 10/31/2003
36696706 CA 94605 42 RAD 11/4/2003
36698066 NY 11980 40 RAD 12/1/2003
36698959 CA 92277 28 RAD 12/16/2003
36701894 MD 21102 43 RAD 12/31/2003
36704179 AZ 85212 45 RAD 10/29/2003
36705663 PA 18372 38 RAD 10/30/2003
36707495 MN 55128 40 RAD 10/29/2003
36707677 CA 92509 39 RAD 10/29/2003
36708931 MI 49117 37 RAD 10/24/2003
36711752 NM 87507 37 RAD 10/23/2003
36712750 CO 80920 36 RAD 10/29/2003
36714814 AZ 85353 40 RAD 10/31/2003
36721108 IL 60544 35 RAD 12/5/2003
36721637 FL 34743 48 RAD 10/30/2003
36722163 CA 95824 34 RAD 10/31/2003
36726040 CA 92392 26 RAD 12/1/2003
36727360 CA 92507 48 RAD 12/5/2003
36727600 TX 77025 40 RAD 10/29/2003
36728541 PA 19115 17 RAD 10/31/2003
36728657 AZ 85207 29 RAD 12/5/2003
36729606 CA 92545 43 RAD 12/31/2003
36729846 AZ 85033 43 RAD 10/31/2003
36730950 HI 96797 38 RAD 11/20/2003
36733087 AZ 86406 44 RAD 10/31/2003
36734044 NJ 8234 42 RAD 11/26/2003
36734192 OR 97222 24 RAD 10/31/2003
36738466 CO 80634 45 RAD 12/30/2003
36742518 CA 95843 16 RAD 12/2/2003
36742591 CA 92587 39 RAD 11/20/2003
36742781 CT 6606 34 RAD 12/1/2003
36744225 CA 95206 43 RAD 12/30/2003
36745131 UT 84532 31 RAD 12/1/2003
36747616 AZ 86426 22 RAD 11/13/2003
36748507 CO 80013 43 RAD 12/19/2003
36749463 OR 97007 36 RAD 12/9/2003
36749596 CA 92220 32 RAD 12/1/2003
36752301 MD 21133 37 RAD 12/17/2003
36752830 OH 43845 34 RAD 12/23/2003
36754026 OH 45042 35 RAD 12/12/2003
36755940 CA 92557 42 RAD 12/4/2003
36756948 OH 43055 43 RAD 12/16/2003
36757482 CA 95694 27 RAD 12/23/2003
36757896 AZ 85242 36 RAD 12/30/2003
36759215 FL 33411 43 RAD 12/5/2003
36759256 CA 95843 40 RAD 12/12/2003
36763019 CA 92553 28 RAD 12/31/2003
36763290 OH 44256 48 RAD 12/8/2003
36767119 TX 75602 42 RAD 12/5/2003
36769602 FL 34771 29 RAD 12/23/2003
36769982 UT 84044 34 RAD 12/10/2003
36770196 CA 91913 45 RAD 12/11/2003
36770832 NV 89012 38 RAD 12/2/2003
36771640 CO 80421 29 RAD 12/29/2003
36771715 UT 84097 37 RAD 12/19/2003
36774776 AZ 85204 46 RAD 12/18/2003
36775807 NV 89156 40 RAD 12/30/2003
36775815 IL 60104 37 RAD 12/9/2003
36776185 OR 97233 37 RAD 12/5/2003
36776532 CA 95336 43 RAD 12/31/2003
36776672 CA 94805 40 RAD 12/4/2003
36776938 CA 92567 36 RAD 12/15/2003
36777324 CA 95367 38 RAD 12/5/2003
36777456 CA 92530 45 RAD 12/19/2003
36778678 OK 73114 40 RAD 12/10/2003
36780856 MI 48174 40 RAD 12/1/2003
36781193 IN 47424 41 RAD 12/31/2003
36781433 CA 90221 42 RAD 12/4/2003
36781573 OR 97146 37 RAD 12/10/2003
36782209 IL 60505 39 RAD 12/5/2003
36784296 FL 34116 41 RAD 12/17/2003
36786945 TX 78566 23 RAD 12/15/2003
36788081 MD 20783 43 RAD 12/2/2003
36788719 CA 94590 30 RAD 12/19/2003
36788743 MD 20735 47 RAD 12/2/2003
36788859 IL 60477 41 RAD 12/5/2003
36788974 WA 98404 49 RAD 12/10/2003
36789683 CA 93304 32 RAD 12/17/2003
36791218 TX 78572 35 RAD 12/9/2003
36791739 MD 20906 46 RAD 12/1/2003
36792190 MD 21222 28 RAD 12/15/2003
36792778 IL 60108 41 RAD 12/2/2003
36793594 MD 20879 44 RAD 12/1/2003
36794410 MO 64030 35 RAD 12/15/2003
36796381 OH 45304 41 RAD 12/3/2003
36797017 NV 89123 37 RAD 12/23/2003
36797298 TX 77083 32 RAD 12/3/2003
36797769 CA 92054 40 RAD 12/8/2003
36798049 CA 92316 42 RAD 12/29/2003
36798742 CA 90301 48 RAD 12/31/2003
36799211 MI 48073 41 RAD 12/18/2003
36799401 CA 94565 40 RAD 12/5/2003
36800282 CA 91977 33 RAD 12/9/2003
36800423 MI 48001 37 RAD 12/12/2003
36801140 IL 60014 40 RAD 12/9/2003
36801710 CA 92411 29 RAD 12/17/2003
36801744 CO 80219 45 RAD 12/22/2003
36802320 MD 20722 39 RAD 12/10/2003
36802395 MI 48316 36 RAD 12/15/2003
36802874 AZ 85040 33 RAD 12/31/2003
36802890 PA 18974 38 RAD 12/19/2003
36802965 MD 21225 26 RAD 12/9/2003
36803237 CA 90810 30 RAD 12/31/2003
36803328 CA 92545 40 RAD 12/11/2003
36804201 CA 93722 39 RAD 12/17/2003
36804615 CA 92543 35 RAD 12/19/2003
36804920 TX 79903 32 RAD 12/24/2003
36805026 AZ 85257 39 RAD 12/18/2003
36805935 WI 53105 26 RAD 12/30/2003
36806164 CA 92337 33 RAD 12/9/2003
36806511 CA 90061 46 RAD 12/18/2003
36808210 CA 92104 38 RAD 12/18/2003
36808483 CT 6057 41 RAD 12/8/2003
36808939 AZ 85035 44 RAD 12/17/2003
36809036 CA 95122 41 RAD 12/24/2003
36809242 AZ 85254 39 RAD 12/17/2003
36809846 CO 80654 34 RAD 12/16/2003
36812428 CO 80003 35 RAD 12/10/2003
36813129 WA 98664 44 RAD 12/19/2003
36813475 AZ 85015 20 RAD 12/16/2003
36813699 IL 60544 31 RAD 12/15/2003
36813954 TX 78640 42 RAD 12/12/2003
36815074 MS 39503 43 RAD 12/16/2003
36815215 CO 80104 42 RAD 12/29/2003
36815249 IL 60482 41 RAD 12/29/2003
36815322 MN 55412 31 RAD 12/16/2003
36815470 AZ 85041 28 RAD 12/22/2003
36816023 FL 33936 42 RAD 12/19/2003
36816387 AZ 85746 42 RAD 12/31/2003
36817278 AZ 85086 25 RAD 12/30/2003
36817674 IL 60154 40 RAD 12/29/2003
36818334 CO 80127 43 RAD 1/2/2004
36819233 AZ 85003 39 RAD 12/19/2003
36819407 AZ 85249 42 RAD 12/19/2003
36819555 IL 61350 31 RAD 12/31/2003
36820520 IL 60629 29 RAD 12/19/2003
36821049 CA 95758 37 RAD 12/29/2003
36821296 IL 61822 41 RAD 12/24/2003
36821353 CA 90062 35 RAD 12/24/2003
36821726 CA 91945 22 RAD 12/26/2003
36822005 TX 79936 38 RAD 12/23/2003
36822229 MD 20613 42 RAD 12/17/2003
36823813 CT 6053 39 RAD 12/31/2003
36824050 CA 94585 44 RAD 12/15/2003
36826212 AZ 85268 39 RAD 12/19/2003
36826899 MD 20783 44 RAD 12/30/2003
36827616 CA 91709 36 RAD 12/31/2003
36827640 CA 92592 35 RAD 12/29/2003
36827921 IL 60034 36 RAD 12/17/2003
36828010 CA 92614 45 RAD 12/29/2003
36828341 AZ 85032 44 RAD 12/17/2003
36828770 CA 92274 43 RAD 12/31/2003
36829356 CA 92688 40 RAD 12/19/2003
36829711 MD 20872 35 RAD 12/29/2003
36829885 TX 77087 33 RAD 12/22/2003
36829935 AZ 85281 33 RAD 12/31/2003
36832459 WA 98502 46 RAD 12/22/2003
36832491 IL 60659 41 RAD 12/29/2003
36832517 NV 89147 32 RAD 12/31/2003
36832905 AZ 85345 38 RAD 12/29/2003
36833267 AZ 85050 22 RAD 12/18/2003
36834323 MI 48154 43 RAD 12/19/2003
36834687 MD 20902 41 RAD 12/31/2003
36834794 IL 60085 43 RAD 12/30/2003
36835668 CA 91791 32 RAD 12/29/2003
36836989 WA 98058 43 RAD 12/22/2003
36837276 CA 95350 32 RAD 12/31/2003
36837359 AZ 85305 44 RAD 12/29/2003
36838019 MD 20879 34 RAD 12/31/2003
36838746 CO 80403 13 RAD 1/2/2004
36839355 AZ 85029 36 RAD 12/22/2003
36839595 HI 96792 32 RAD 12/18/2003
36839983 VA 20111 41 RAD 12/30/2003
36840973 CA 93458 41 RAD 12/18/2003
36842433 PA 15610 41 RAD 12/24/2003
36842714 NV 89144 14 RAD 12/31/2003
36842722 CA 92346 30 RAD 12/31/2003
36842961 VA 22015 38 RAD 12/31/2003
36843449 CA 90011 38 RAD 12/31/2003
36843480 AZ 85351 40 RAD 12/19/2003
36844298 IL 60148 29 RAD 12/18/2003
36844561 CO 80011 44 RAD 12/31/2003
36844579 NV 89120 37 RAD 12/30/2003
36845030 CO 80233 37 RAD 12/24/2003
36845766 FL 33463 44 RAD 12/24/2003
36846731 MI 48430 39 RAD 12/23/2003
36846897 MD 20785 38 RAD 12/29/2003
36847960 VA 20109 39 RAD 12/23/2003
36848075 GA 30215 48 RAD 12/31/2003
36848166 IL 60613 34 RAD 12/29/2003
36849974 OR 97132 44 RAD 12/24/2003
36850303 CA 95354 37 RAD 12/30/2003
36851798 CA 95843 43 RAD 12/23/2003
36853018 NC 28054 41 RAD 1/2/2004
36853455 TX 77082 33 RAD 12/22/2003
36853554 FL 32136 20 RAD 12/29/2003
36854024 NV 89148 34 RAD 12/26/2003
36854065 CA 92407 40 RAD 12/31/2003
36854438 AZ 85040 34 RAD 12/31/2003
36858314 NV 89103 39 RAD 12/31/2003
36860823 TX 78579 39 RAD 12/31/2003
36866721 NV 89108 40 RAD 12/30/2003
36867091 TX 76028 9 RAD 12/31/2003
36867364 NV 89102 31 RAD 12/31/2003
36875243 AZ 85301 33 RAD 1/2/2004
36875540 TX 77009 47 RAD 12/31/2003
1101001566 NJ 7106 29.1 1/23/2004
1101001751 NJ 8854 46.5 12/29/2003
1101001797 NJ 8823 22.5 RAD 11/5/2003
1101001862 NJ 8251 42.1 RAD 10/7/2003
1101001939 NJ 7410 0 RAD 10/29/2003
1101001944 NY 11570 0 10/27/2003
1101001957 NJ 7604 43.8 11/25/2003
1101001996 NJ 7076 0 1/23/2004
1101002009 NJ 8242 33.6 11/26/2003
1101002015 NJ 7065 0 RAD 12/19/2003
1101002054 NY 11208 45.4 1/22/2004
1101002061 NJ 7019 45.3 1/27/2004
1102000515 NJ 7857 0 RAD 10/31/2003
1102000554 NJ 7421 40.1 RAD 11/3/2003
1102000568 NJ 7422 44.6 RAD 11/7/2003
1102000574 NJ 7036 0 RAD 11/17/2003
1102000577 CT 6708 23.6 RAD 1/9/2004
1102000587 NJ 7421 27.1 11/14/2003
1102000621 NJ 7306 0 12/31/2003
1102000622 NJ 7438 34.4 1/22/2004
1102000666 NJ 7083 41.4 RAD 1/22/2004
1104000051 PA 19082 41.6 UNI 11/21/2003
1104000131 PA 19142 38.3 UNI 10/21/2003
1104000142 NJ 8205 25.1 10/24/2003
1104000172 FL 34217 37.7 11/19/2003
1104000184 PA 19426 44.7 1/9/2004
1104000203 PA 19311 39 1/15/2004
1104000219 PA 19425 43.1 1/7/2004
1104000237 PA 19120 44 RAD 1/23/2004
1104000240 NJ 8054 43.7 RAD 1/29/2004
1104000284 PA 19128 47.2 1/27/2004
1104000285 PA 19128 34.6 1/27/2004
1105000567 CT 6787 0 10/8/2003
1105000605 CT 6791 39.7 RMI 10/31/2003
1105000639 CT 6514 32 10/24/2003
1105000706 CT 6483 37.9 RAD 10/1/2003
1105000707 NY 13029 38.5 10/27/2003
1105000724 CT 6460 48.2 10/3/2003
1105000764 CT 6851 42.3 11/14/2003
1105000779 CT 6484 0 RMI 11/6/2003
1105000792 NJ 7017 35.2 RAD 11/7/2003
1105000827 MA 2171 24.8 11/21/2003
1105000859 CT 6824 31.1 1/28/2004
1105000860 CT 6795 40.5 11/13/2003
1105000866 CT 6484 43.1 12/4/2003
1105000869 CT 6484 54.1 11/21/2003
1105000896 NY 11791 30.7 RAD 1/15/2004
1105000900 CT 6473 42 12/17/2003
1105000910 FL 33703 52.4 1/16/2004
1105000914 VT 5148 0 12/22/2003
1105100066 NJ 7044 33.5 6/26/2003
1105100297 CT 6238 32.6 7/23/2003
1105100318 NY 11967 39.6 8/11/2003
1105100376 RI 2860 39.5 8/8/2003
1105100412 PA 18064 15 8/7/2003
1105100456 NY 11717 25.8 11/24/2003
1105100473 NJ 7039 0 RMI 12/16/2003
1105100486 PA 19057 44.4 8/21/2003
1105100509 MA 2127 49.3 9/12/2003
1105100616 NJ 7055 0 RAD 10/1/2003
1105100666 NY 14233 36.3 12/11/2003
1105100675 NJ 7501 41.7 11/21/2003
1105100753 NJ 7094 37.9 11/21/2003
1105100791 FL 32835 0 RAD 10/3/2003
1105100824 RI 2920 41.4 10/9/2003
1105100860 NY 12413 49.5 11/19/2003
1105100877 OH 44112 17.3 11/20/2003
1105100917 NY 11706 0 10/22/2003
1105100922 NJ 7088 47.7 12/11/2003
1105100959 NJ 7060 16.2 12/31/2003
1105100973 NJ 8554 41.1 11/17/2003
1105100984 MA 2135 38.8 10/20/2003
1105100989 NJ 7018 25.4 12/9/2003
1105101000 NY 11520 40.8 1/9/2004
1105101003 NY 11801 29.9 12/10/2003
1105101016 NJ 7871 49.6 12/18/2003
1105101017 OH 44118 0 10/7/2003
1105101020 CT 6418 0 10/27/2003
1105101021 MA 1960 0 10/18/2003
1105101032 NY 11701 38.7 11/20/2003
1105101041 MA 2121 0 10/16/2003
1105101062 FL 33177 43.8 11/10/2003
1105101064 NY 11976 37.8 12/31/2003
1105101074 MA 1970 35.4 1/5/2004
1105101094 MA 2472 38.5 11/12/2003
1105101109 NJ 7052 38.7 11/21/2003
1105101122 NJ 7945 28 11/21/2003
1105101129 RI 2889 0 UNI 10/22/2003
1105101180 NJ 7869 30.5 11/26/2003
1105101201 MA 1841 35.7 11/25/2003
1105101207 NJ 7801 48.7 12/16/2003
1105101215 FL 32820 46.4 12/10/2003
1105101225 NJ 7950 39.7 11/11/2003
1105101230 NJ 7712 41.4 11/18/2003
1105101233 CT 6755 46.1 11/17/2003
1105101236 NJ 7104 39.2 11/18/2003
1105101257 CT 6375 30.9 11/20/2003
1105101258 NJ 7924 41.5 11/19/2003
1105101259 NJ 7304 20.7 1/7/2004
1105101268 NY 10562 33.3 11/19/2003
1105101276 NY 11754 43.5 11/26/2003
1105101277 NJ 7111 29.9 11/19/2003
1105101282 MA 2780 52.3 12/4/2003
1105101286 NJ 7065 26 11/18/2003
1105101289 NY 11731 0 RMI 12/18/2003
1105101294 NY 11694 39.8 11/19/2003
1105101302 NY 11717 39.8 11/20/2003
1105101303 NY 10314 25.9 11/20/2003
1105101304 NY 11717 37.3 11/11/2003
1105101305 CT 6810 47.2 11/13/2003
1105101319 NJ 7006 43.5 11/21/2003
1105101346 NJ 7524 38.6 11/19/2003
1105101347 NY 11420 43 11/11/2003
1105101353 NY 11420 31.1 12/1/2003
1105101355 NJ 7666 36.3 11/21/2003
1105101357 NY 13021 29.6 11/25/2003
1105101359 CT 6002 25.1 12/1/2003
1105101365 NJ 7042 39.7 11/18/2003
1105101366 OH 44122 33.4 11/25/2003
1105101371 RI 2852 34.9 11/28/2003
1105101373 NY 11741 34.8 11/25/2003
1105101374 NY 11746 36.4 12/5/2003
1105101376 NJ 8753 39 11/21/2003
1105101382 NY 10507 43.9 12/4/2003
1105101384 NY 11706 36.1 11/20/2003
1105101388 PA 18360 40.4 11/17/2003
1105101389 NJ 7017 26.7 11/18/2003
1105101391 NJ 7601 35.6 11/20/2003
1105101392 MA 1945 42.1 11/26/2003
1105101395 PA 18466 32.6 11/26/2003
1105101398 NY 11950 43 12/8/2003
1105101404 NJ 8081 33.7 11/14/2003
1105101405 NJ 8060 30.1 11/17/2003
1105101409 NJ 8872 0 11/21/2003
1105101410 NJ 7801 35.5 11/14/2003
1105101413 CT 6706 52.2 11/21/2003
1105101415 NY 14221 48.5 11/17/2003
1105101418 NY 14609 27 12/8/2003
1105101424 NJ 7503 48.3 1/7/2004
1105101425 NJ 7112 41.3 11/20/2003
1105101426 NJ 7504 33.4 11/20/2003
1105101427 NJ 8753 47.6 11/21/2003
1105101431 NY 11940 40.7 12/5/2003
1105101434 NY 10473 37.8 11/26/2003
1105101445 NY 11208 44.3 1/30/2004
1105101450 CT 6611 40 12/2/2003
1105101460 NJ 7869 30.1 11/26/2003
1105101470 MA 2151 0 12/29/2003
1105101478 PA 18210 20.7 12/11/2003
1105101479 NJ 7060 22.9 12/10/2003
1105101482 MA 2720 25.1 12/18/2003
1105101484 NY 11234 49.2 1/16/2004
1105101489 NJ 7871 44.1 11/21/2003
1105101491 NJ 7103 28.4 12/5/2003
1105101493 OH 44110 53.6 12/12/2003
1105101498 CT 6105 49.7 12/22/2003
1105101507 NY 10457 26.4 12/30/2003
1105101509 MA 2460 38.5 12/10/2003
1105101518 CT 6033 48.1 12/19/2003
1105101527 NJ 7524 28.9 11/26/2003
1105101538 NJ 7305 29.2 1/7/2004
1105101542 NH 3038 38.2 12/24/2003
1105101546 NY 11710 39.5 12/8/2003
1105101547 NJ 7631 41.5 12/10/2003
1105101551 NJ 7103 47.1 12/17/2003
1105101565 RI 2882 49.7 12/15/2003
1105101572 NY 11717 32.6 12/19/2003
1105101581 RI 2919 37.2 12/12/2003
1105101585 MA 1844 43.1 12/24/2003
1105101590 GA 30223 29.8 12/15/2003
1105101600 NY 12206 43.2 12/19/2003
1105101601 NY 12206 43.5 12/19/2003
1105101605 PA 18360 27 12/18/2003
1105101617 PA 18428 34.9 12/17/2003
1105101620 NY 11717 44.7 1/15/2004
1105101625 NJ 8096 44.1 1/7/2004
1105101630 NY 11550 0 RMI 1/21/2004
1105101642 NJ 8060 21.8 12/29/2003
1105101644 PA 18324 33.3 12/22/2003
1105101659 PA 18301 35.9 12/30/2003
1105101665 DE 19802 40.6 12/30/2003
1105101669 NY 14216 0 12/24/2003
1105101675 NJ 8205 33.1 1/12/2004
1105101678 CT 6810 48.3 1/30/2004
1105101681 MA 2532 45.4 12/29/2003
1105101686 NJ 7305 34.1 12/31/2003
1105101693 NJ 7027 43.3 1/7/2004
1105101699 NJ 7060 27.8 1/6/2004
1105101704 NJ 7202 0 1/20/2004
1105101707 NY 11208 40.4 12/31/2003
1105101741 CT 6111 36 1/14/2004
1105101742 OH 44112 32.9 1/26/2004
1105101771 MI 49686 24.8 1/20/2004
1105101865 PA 18337 22.6 1/23/2004
1106000061 NJ 7481 26.7 7/16/2003
1106000160 NY 11978 26 12/18/2003
1106000163 GA 30281 26.1 10/3/2003
1106000172 FL 32804 20.8 11/5/2003
1106000178 CO 80209 39.9 10/27/2003
1108000233 MI 48146 0 10/20/2003
1111000007 NJ 8902 31 10/16/2003
1112000106 MA 1851 29.4 RAD 10/16/2003
1112000117 MA 1886 28.7 12/2/2003
1112000124 MA 2302 35.6 10/7/2003
1112000132 MA 2360 38.4 11/24/2003
1112000152 MA 2370 0 RAD 10/27/2003
1112000157 MA 2370 37.9 10/30/2003
1112000175 MA 2360 23.1 11/25/2003
1112000183 MA 2302 45.7 1/15/2004
1113000027 NY 11953 45.7 RAD 10/27/2003
1113000036 NY 11803 41.1 12/15/2003
1113000038 NY 11961 34.7 10/24/2003
1113000043 NY 11746 23.7 1/9/2004
1113000052 NY 11791 35.2 12/9/2003
1301001107 FL 34201 34.7 7/25/2003
1301001146 FL 33952 37.5 UNI 10/7/2003
1301001190 FL 34231 30.9 12/9/2003
1301001199 FL 34231 30.8 1/23/2004
1301001204 FL 34293 33.4 RAD 12/30/2003
1301001207 FL 34219 38.2 12/30/2003
1301001209 FL 34239 43.9 1/9/2004
1301001210 FL 34202 42.8 PMI 1/22/2004
1301001216 FL 34239 28.7 1/27/2004
1301001220 FL 34202 10.2 1/27/2004
1302001094 FL 34695 25.6 11/12/2003
1302001165 FL 33755 0 PMI 10/23/2003
1302001183 FL 34668 34.7 11/18/2003
1302001190 FL 33709 35.4 PMI 11/26/2003
1302001198 FL 34606 0 12/10/2003
1302001199 FL 33782 42.8 PMI 12/5/2003
1302001210 FL 33559 32.8 12/30/2003
1302001211 FL 33770 0 PMI 1/26/2004
1302001214 FL 34668 33.1 12/31/2003
1303000759 FL 34639 0 12/19/2003
1303000980 FL 33606 42.6 11/19/2003
1303001034 FL 33624 0 UNI 8/19/2003
1303001084 VA 24060 0 UNI 11/7/2003
1303001122 FL 33611 34 11/14/2003
1303001141 FL 33556 39.4 10/27/2003
1303001157 FL 33604 29.5 12/9/2003
1303001158 FL 33606 26.9 PMI 11/20/2003
1303001159 FL 33541 22.6 UNI 12/19/2003
1303001161 FL 33609 0 UNI 11/26/2003
1303001164 FL 33604 34 12/31/2003
1303001168 FL 33602 48.4 11/26/2003
1303001180 FL 33647 38.2 12/18/2003
1303001184 FL 34639 37.3 UNI 12/24/2003
1303001188 FL 33785 42.2 12/19/2003
1303001220 FL 33629 43.3 1/23/2004
1303001235 FL 33615 45.4 1/23/2004
1304003078 GA 30253 40.4 10/30/2003
1304003109 GA 30281 12.9 7/25/2003
1304003287 GA 30253 35.8 RMI 11/21/2003
1304003338 GA 30054 0 UNI 11/14/2003
1304003493 GA 30114 31.9 10/17/2003
1304003519 GA 30248 25.5 RMI 10/21/2003
1304003538 GA 30253 37.3 RMI 10/24/2003
1304003566 GA 31705 36.5 10/21/2003
1304003617 GA 30294 0 RMI 1/30/2004
1304003625 GA 30273 35.2 UNI 10/21/2003
1304003626 GA 30318 42.5 11/6/2003
1304003633 GA 30281 0 RMI 11/26/2003
1304003646 GA 30238 0 UNI 10/29/2003
1304003654 GA 30127 39.9 UNI 11/7/2003
1304003657 GA 30256 40.3 1/23/2004
1304003662 GA 30228 39.9 PMI 10/29/2003
1304003685 GA 30318 0 10/28/2003
1304003692 GA 30315 30.9 RMI 11/6/2003
1304003711 GA 30236 0 11/7/2003
1304003719 GA 30248 39.4 11/19/2003
1304003745 GA 30206 33.4 UNI 12/30/2003
1304003761 GA 30606 40.7 11/21/2003
1304003784 GA 30253 37.5 12/30/2003
1304003787 GA 30052 0 RMI 11/21/2003
1304003804 GA 30215 0 12/12/2003
1304003808 GA 30094 35.2 12/31/2003
1304003823 GA 30349 39.8 UNI 12/15/2003
1304003834 GA 30252 29.6 12/17/2003
1304003852 GA 30281 0 PMI 12/23/2003
1304003868 GA 30253 33.7 12/11/2003
1304003882 GA 30281 43.9 RMI 12/22/2003
1304003883 GA 30297 26.6 12/23/2003
1304003892 GA 30253 43.6 12/19/2003
1304003900 GA 30238 28.2 12/17/2003
1304003930 GA 30253 42.6 1/16/2004
1304003941 GA 30281 45.8 12/30/2003
1304003943 GA 30252 38.6 UNI 1/20/2004
1304003950 GA 30294 22.5 1/8/2004
1304003961 GA 30157 46.4 1/23/2004
1304003963 GA 30094 41.1 RMI 1/28/2004
1304003972 GA 30248 37.4 1/21/2004
1304003987 GA 30228 22.4 UNI 1/23/2004
1304003990 GA 30525 41.1 1/28/2004
1304004034 GA 30248 28.3 1/30/2004
1308000957 GA 30281 39 6/30/2003
1308000960 GA 30281 39.5 6/30/2003
1308001146 GA 31525 31.4 11/26/2003
1308001235 GA 30214 0 RMI 8/4/2003
1308001411 GA 30349 43.2 10/7/2003
1308001416 GA 30290 43.1 10/7/2003
1308001493 GA 30213 36.1 RMI 11/7/2003
1308001494 GA 30135 0 10/6/2003
1308001609 GA 30265 43.3 RMI 12/12/2003
1308001621 GA 30134 31.5 1/6/2004
1308001625 GA 30215 45.8 12/1/2003
1308001652 GA 30265 41.3 12/30/2003
1308001655 GA 30135 44.7 12/31/2003
1308001656 GA 30277 28.2 RAD 12/15/2003
1308001691 GA 30215 42.1 12/19/2003
1308001694 GA 30253 29.1 1/23/2004
1308001698 GA 30277 0 1/15/2004
1308001701 GA 30263 41.8 PMI 1/12/2004
1308001726 GA 30290 43.1 12/30/2003
1308001796 GA 30265 27.9 1/30/2004
1308001812 GA 30290 41.3 1/30/2004
1308001826 GA 30215 34.6 1/30/2004
1309002238 GA 30127 38.9 12/17/2003
1309002732 GA 30116 20.1 1/28/2004
1309002742 GA 30117 29.4 1/23/2004
1309002766 GA 30188 41.5 UNI 11/26/2003
1309002804 GA 30152 0 RMI 10/15/2003
1309002869 GA 30082 0 UNI 10/3/2003
1309002877 GA 30345 17 10/14/2003
1309002900 GA 30045 44.4 UNI 10/6/2003
1309002906 GA 30344 0 UNI 10/2/2003
1309002921 GA 30309 0 10/23/2003
1309002960 GA 30102 0 RMI 10/24/2003
1309002999 GA 30030 47.9 10/10/2003
1309003025 GA 30188 42.4 10/27/2003
1309003035 GA 30319 27.6 11/21/2003
1309003036 GA 30157 0 1/14/2004
1309003037 GA 30317 39.9 10/23/2003
1309003066 GA 30705 41.2 10/27/2003
1309003071 GA 30022 0 10/22/2003
1309003117 GA 30291 38.8 PMI 11/12/2003
1309003118 GA 30038 0 RMI 1/5/2004
1309003138 GA 30328 20.3 11/13/2003
1309003171 GA 30062 38.2 11/13/2003
1309003174 GA 30518 0 11/5/2003
1309003186 GA 30144 21.4 PMI 12/18/2003
1309003232 GA 30135 32.7 11/24/2003
1309003243 GA 30214 34.4 UNI 11/20/2003
1309003251 GA 30187 35.7 UNI 11/21/2003
1309003257 GA 30157 42.6 11/26/2003
1309003273 GA 30101 37.8 12/4/2003
1309003315 GA 30180 0 12/11/2003
1309003320 GA 30180 41.1 UNI 12/29/2003
1309003321 GA 30135 42.3 12/19/2003
1309003331 GA 30294 0 RMI 12/12/2003
1309003334 GA 30034 44.7 12/23/2003
1309003353 GA 30024 0 UNI 12/22/2003
1309003367 GA 30041 37.3 UNI 12/17/2003
1309003369 GA 30179 41.8 1/7/2004
1309003380 GA 30238 0 12/12/2003
1309003408 GA 30058 43.4 12/23/2003
1309003414 GA 30317 44.5 12/31/2003
1309003416 GA 30188 0 RMI 12/31/2003
1309003425 GA 30088 28.9 PMI 12/30/2003
1309003428 GA 30066 41.9 12/22/2003
1309003437 GA 30005 38.2 12/23/2003
1309003471 GA 30141 43.3 1/9/2004
1309003482 GA 30318 31.9 1/9/2004
1309003483 GA 30157 0 RMI 12/22/2003
1309003489 GA 30116 40.5 UNI 1/14/2004
1309003523 GA 30134 39.3 1/21/2004
1309003526 GA 30316 39.6 1/28/2004
1309003532 GA 30157 0 UNI 1/22/2004
1309003537 GA 30157 0 1/16/2004
1309003541 GA 30310 44.5 1/23/2004
1309003552 GA 30134 0 1/22/2004
1309003572 GA 30082 30 1/29/2004
1310001997 GA 30620 40 UNI 6/4/2003
1310002272 GA 30735 41.9 5/27/2003
1310002308 GA 30720 42 6/6/2003
1310002566 GA 30058 37.5 PMI 8/15/2003
1310002599 GA 30045 42.7 12/2/2003
1310002747 GA 30519 31.7 RMI 7/24/2003
1310002796 GA 30045 34 11/18/2003
1310002817 GA 30040 26.2 RAD 10/29/2003
1310002847 GA 30134 37.6 PMI 7/31/2003
1310002848 GA 30344 0 UNI 11/26/2003
1310002951 NC 28277 32.6 RMI 11/7/2003
1310003065 NC 28269 43.4 10/21/2003
1310003169 GA 30040 29.5 UNI 10/30/2003
1310003237 GA 30341 34.3 10/2/2003
1310003269 GA 30043 37.7 10/3/2003
1310003274 GA 30296 0 RAD 10/10/2003
1310003323 GA 30114 0 12/12/2003
1310003327 FL 32216 0 RMI 10/30/2003
1310003330 AZ 85249 32.5 10/23/2003
1310003340 GA 30305 0 UNI 10/31/2003
1310003370 AZ 85037 24.1 12/9/2003
1310003375 GA 30058 31.8 RAD 10/30/2003
1310003376 GA 30228 35.7 RAD 10/27/2003
1310003378 GA 30344 36.9 RAD 10/22/2003
1310003384 GA 30344 0 RMI 10/24/2003
1310003393 GA 30004 35.9 10/27/2003
1310003395 GA 30097 37.4 10/30/2003
1310003397 GA 30034 39.1 RAD 10/27/2003
1310003398 GA 30458 21.3 12/3/2003
1310003400 GA 30134 28.9 PMI 10/28/2003
1310003404 GA 30030 40 12/12/2003
1310003409 GA 30075 25.3 12/30/2003
1310003412 GA 30071 9.7 10/29/2003
1310003414 AZ 85249 44.6 RMI 10/17/2003
1310003415 GA 30188 43.2 11/14/2003
1310003428 GA 30311 43.2 RAD 10/31/2003
1310003440 AZ 85323 44.1 RAD 1/26/2004
1310003445 GA 30349 0 RMI 10/24/2003
1310003449 GA 31061 20.6 UNI 12/12/2003
1310003475 GA 30517 41 11/19/2003
1310003481 GA 30019 41.9 11/10/2003
1310003496 FL 32920 37 11/24/2003
1310003499 GA 30188 34.4 12/30/2003
1310003507 GA 30083 40.7 11/3/2003
1310003508 GA 30071 32.4 11/5/2003
1310003547 GA 30224 29.1 11/19/2003
1310003551 GA 30224 29.1 11/19/2003
1310003553 GA 30518 0 UNI 11/17/2003
1310003560 GA 30058 33.7 RAD 11/13/2003
1310003563 GA 30187 33.9 12/11/2003
1310003564 NC 28277 23.4 RMI 11/6/2003
1310003566 GA 30344 0 RAD 12/5/2003
1310003568 GA 30228 34.1 RAD 11/21/2003
1310003580 GA 30058 14.7 11/25/2003
1310003593 GA 30296 0 UNI 11/21/2003
1310003623 FL 32550 49.6 11/26/2003
1310003631 GA 30004 36.7 11/17/2003
1310003649 FL 32256 44 12/4/2003
1310003658 GA 30083 45 RAD 11/25/2003
1310003659 GA 30052 28.5 11/14/2003
1310003679 GA 30041 37.1 11/24/2003
1310003681 GA 30656 40.7 12/12/2003
1310003720 GA 30308 35.2 1/9/2004
1310003722 AL 35124 37 UNI 12/15/2003
1310003743 GA 30097 47.7 1/22/2004
1310003745 FL 32256 43.1 12/23/2003
1310003757 AZ 85323 27.6 1/23/2004
1310003758 GA 30316 47.2 1/12/2004
1310003761 GA 30144 27.5 12/17/2003
1310003766 GA 30228 24.3 UNI 12/17/2003
1310003769 GA 30317 34.2 12/29/2003
1310003770 GA 30228 35.3 RAD 12/17/2003
1310003771 GA 30075 33.5 RAD 12/17/2003
1310003772 GA 30120 42.2 RAD 12/22/2003
1310003788 FL 32550 43.9 12/22/2003
1310003789 FL 32550 43.6 12/22/2003
1310003794 GA 30121 36.3 UNI 12/18/2003
1310003800 GA 30179 40 RAD 1/23/2004
1310003803 GA 30079 42.3 RAD 12/31/2003
1310003807 GA 30121 38.8 RAD 12/12/2003
1310003810 GA 30121 37.5 PMI 12/19/2003
1310003811 GA 30121 37.4 RAD 12/19/2003
1310003815 GA 30121 37.5 RMI 12/19/2003
1310003816 GA 30121 37.5 PMI 12/19/2003
1310003824 GA 30030 36.6 12/23/2003
1310003827 GA 30144 0 12/23/2003
1310003830 FL 32550 22.9 12/22/2003
1310003834 GA 30038 36 1/8/2004
1310003837 GA 30121 43.9 RAD 12/12/2003
1310003838 GA 30121 41.1 UNI 12/18/2003
1310003870 GA 30011 35.3 1/6/2004
1310003872 GA 30024 0 RAD 12/19/2003
1310003877 NC 28277 0 RAD 12/29/2003
1310003881 GA 30035 38.9 PMI 12/23/2003
1310003885 GA 30035 38.1 RAD 12/23/2003
1310003886 GA 30033 35.6 1/20/2004
1310003900 GA 30024 42.2 12/29/2003
1310003908 GA 30041 0 UNI 12/29/2003
1310003911 GA 30075 26.9 12/29/2003
1310003921 GA 30188 39.7 12/30/2003
1310003924 GA 30189 0 12/29/2003
1310003928 GA 30040 42.5 12/31/2003
1310003955 GA 30044 43 1/30/2004
1310003965 GA 30517 0 RMI 1/16/2004
1310003967 GA 30019 38.1 RAD 1/21/2004
1310003968 GA 30096 0 UNI 1/26/2004
1310003984 GA 30318 24.7 1/29/2004
1310003988 GA 30296 0 RMI 1/22/2004
1310003990 GA 30044 40 1/23/2004
1310003992 GA 30052 0 RAD 1/28/2004
1310003993 GA 30121 34.4 RAD 1/22/2004
1310003994 GA 30318 24.7 1/22/2004
1310003996 GA 30318 25.8 1/22/2004
1310003998 GA 30318 24.7 1/29/2004
1310004000 GA 30121 34 1/22/2004
1310004001 GA 30121 34.2 RAD 1/22/2004
1310004002 GA 30121 34.1 RAD 1/22/2004
1310004004 GA 30327 38.9 1/30/2004
1310004016 GA 30041 37.4 1/29/2004
1310004034 AZ 85037 19.7 RAD 1/26/2004
1310004045 GA 30121 40.7 RAD 1/28/2004
1310004046 GA 30121 40.7 RAD 1/28/2004
1310004048 GA 30121 36.2 RAD 1/28/2004
1310004050 GA 30121 36.2 RAD 1/28/2004
1310004062 GA 30047 0 1/23/2004
1310004063 GA 30034 0 RAD 1/23/2004
1310004080 GA 30268 40 RAD 1/28/2004
1310004088 GA 30044 43.8 RAD 1/30/2004
1310004098 GA 30004 40 1/28/2004
1310100580 NC 28262 44.9 1/23/2004
1310100595 GA 30318 40.8 1/20/2004
1311001944 GA 30054 40 12/19/2003
1311001970 GA 30016 37.7 RAD 10/20/2003
1311002070 GA 30016 0 10/20/2003
1311002085 GA 30083 33.6 11/26/2003
1311002096 FL 32656 33.9 UNI 10/24/2003
1311002103 GA 31907 19.1 11/19/2003
1311002105 GA 30337 42.5 RAD 10/30/2003
1311002106 FL 32034 39 11/18/2003
1311002109 FL 32034 36.6 11/18/2003
1311002113 GA 30106 0 RMI 11/7/2003
1311002131 GA 30054 0 RAD 10/30/2003
1311002132 GA 30058 35.9 RMI 11/10/2003
1311002165 GA 30281 33.4 12/1/2003
1311002171 GA 30012 37.6 RAD 12/30/2003
1311002174 GA 30512 0 RAD 12/5/2003
1311002181 GA 30034 40.6 12/29/2003
1311002189 GA 30058 44.3 UNI 12/23/2003
1311002198 GA 30016 38.9 RAD 12/4/2003
1311002199 GA 30016 0 RAD 11/26/2003
1311002233 GA 30014 0 RAD 12/18/2003
1311002246 GA 30054 31.4 12/22/2003
1311002251 GA 30039 14.1 RAD 12/19/2003
1311002262 GA 30014 0 1/16/2004
1311002290 GA 30094 21.1 UNI 1/27/2004
1311002303 GA 30214 0 1/30/2004
1311002311 GA 30016 0 1/26/2004
1312001122 GA 30350 19.7 8/6/2003
1312001241 GA 30084 32.1 11/21/2003
1312001313 GA 30021 40.5 10/10/2003
1312001417 GA 30309 16.6 11/3/2003
1312001418 GA 30329 29.2 10/28/2003
1312001427 GA 30345 23.5 UNI 10/23/2003
1312001460 GA 30328 11.9 11/7/2003
1312001470 GA 30319 33.9 11/11/2003
1312001500 GA 30071 34.5 RMI 11/25/2003
1312001512 GA 30004 28.1 RAD 12/8/2003
1312001515 GA 30052 28.3 12/5/2003
1312001521 GA 30021 34.2 1/30/2004
1312001554 GA 30305 34 MGI 12/19/2003
1312001571 GA 30306 35.4 1/23/2004
1312001594 GA 30021 40 RAD 1/16/2004
1312001600 GA 30040 0 RAD 12/31/2003
1312001605 GA 30305 26 1/26/2004
1312001606 GA 30114 41.4 1/7/2004
1312001617 GA 30319 44.6 1/15/2004
1312001622 GA 30309 40 RAD 1/29/2004
1312001625 GA 30305 15.7 1/26/2004
1312001634 GA 30071 33.6 1/30/2004
1312001637 GA 30071 32.2 1/30/2004
1313000212 GA 30281 30.7 11/19/2003
1313000426 GA 30014 19.9 11/5/2003
1313000541 GA 30655 40 8/1/2003
1313000556 GA 30016 0 RMI 11/21/2003
1313000673 GA 30014 21.2 RMI 10/2/2003
1313000674 GA 31024 12 10/27/2003
1313000688 GA 30680 38.6 11/19/2003
1313000690 GA 30666 41.4 11/19/2003
1313000692 GA 30680 38.9 11/19/2003
1313000695 GA 30016 31.1 RMI 10/2/2003
1313000714 GA 30013 38.8 10/23/2003
1313000737 GA 30656 0 11/5/2003
1313000741 GA 30101 0 RMI 10/31/2003
1313000742 GA 30025 16.9 RMI 10/14/2003
1313000778 GA 31024 27.8 10/27/2003
1313000805 GA 30316 33.8 UNI 11/17/2003
1313000807 GA 30012 24.3 11/6/2003
1313000819 GA 30054 32.4 RMI 11/21/2003
1313000823 GA 30034 40.4 UNI 12/17/2003
1313000826 GA 30058 0 12/19/2003
1313000838 GA 30094 37.7 UNI 11/18/2003
1313000872 GA 30013 25.9 12/19/2003
1313000875 GA 30349 40.6 UNI 12/17/2003
1313000878 GA 30094 32.8 RMI 12/22/2003
1313000898 GA 30622 0 12/23/2003
1313000906 GA 30641 24.3 1/15/2004
1313000915 GA 30188 0 12/31/2003
1313000925 GA 30080 0 RMI 1/23/2004
1313000930 GA 30016 34.1 UNI 1/16/2004
1313000968 GA 30189 37.3 1/23/2004
1313000974 GA 30025 25.9 1/22/2004
1313000975 GA 30041 38.9 1/27/2004
1313000984 GA 30014 38.7 RAD 1/30/2004
1313001002 GA 30281 36.4 1/30/2004
1315000008 GA 30308 21.4 5/23/2003
1315000160 GA 30022 43.9 10/13/2003
1315000380 GA 30307 39.5 UNI 8/22/2003
1315000405 GA 30316 34.4 9/29/2003
1315000457 GA 30315 0 9/25/2003
1315000465 GA 30316 25.8 10/6/2003
1315000484 GA 30152 38.1 10/24/2003
1315000504 GA 30312 38.7 11/3/2003
1315000512 GA 30306 21.4 10/24/2003
1315000516 GA 30316 30 11/6/2003
1315000530 GA 30047 31.6 RMI 10/15/2003
1315000534 GA 30114 36.8 UNI 10/27/2003
1315000536 GA 30041 40.4 12/15/2003
1315000540 GA 30317 26.1 UNI 11/25/2003
1315000550 GA 30327 30.8 12/3/2003
1315000552 GA 30324 0 11/21/2003
1315000554 GA 30316 40.9 11/17/2003
1315000556 GA 30152 34.3 11/19/2003
1315000567 GA 30312 42.7 10/31/2003
1315000583 GA 30078 21.2 RAD 11/25/2003
1315000587 GA 30306 30.3 12/11/2003
1315000588 GA 30306 44.9 12/22/2003
1315000593 GA 30306 41.5 12/3/2003
1315000594 GA 30306 38.4 RAD 11/14/2003
1315000595 GA 30306 38.4 RMI 11/14/2003
1315000640 GA 30310 24.6 UNI 1/9/2004
1315000641 GA 30309 24.3 12/15/2003
1315000650 GA 30075 27 12/29/2003
1315000664 GA 30076 0 12/31/2003
1315000686 GA 30306 35 1/28/2004
1315000711 GA 30076 26.5 1/30/2004
1316000075 FL 33713 0 UNI 10/24/2003
1316000101 FL 33703 29.6 UNI 10/21/2003
1316000113 FL 33701 20.9 10/17/2003
1316000131 OH 43338 38.2 11/6/2003
1316000152 FL 33704 34 12/18/2003
1316000156 FL 33713 0 12/22/2003
1316000165 FL 33705 0 PMI 12/19/2003
1316000202 FL 33701 34.9 RAD 1/30/2004
1317000011 FL 32536 0 UNI 12/30/2003
1317000013 FL 32547 42.9 11/4/2003
1319000001 FL 32206 0 1/5/2004
1319000002 FL 32224 41.5 1/15/2004
1321000001 FL 34744 0 UNI 10/14/2003
1321000005 FL 34746 0 PMI 11/26/2003
1321000010 GA 31404 0 PMI 1/7/2004
1501103507 CA 92657 32.6 5/27/2003
1501103528 TX 75228 22.5 5/12/2003
1501103576 CA 90501 29.8 7/1/2003
1501104290 AR 71901 37.1 10/7/2003
1501105050 CA 93420 29.7 8/25/2003
1501105434 TX 79424 10.6 RMI 9/30/2003
1501105581 GA 30319 26.2 10/16/2003
1501105594 LA 70113 40.5 RMI 10/29/2003
1501105717 AR 72916 32 10/27/2003
1501105787 MI 48442 0 RMI 10/24/2003
1501105799 MI 48223 12.8 10/10/2003
1501105808 MI 48234 42.7 10/24/2003
1501105861 TX 78209 19.8 11/18/2003
1501105897 LA 70810 0 RMI 11/6/2003
1501105952 CA 92069 31.1 11/10/2003
1501106046 VA 23666 32.1 RMI 11/14/2003
1501106050 CO 80915 38.3 RMI 12/31/2003
1501106082 IL 60643 0 12/8/2003
1501106101 IL 60619 19.1 11/12/2003
1501106110 MD 20878 22.8 12/5/2003
1501106139 LA 70072 25.8 RMI 12/3/2003
1501106175 CA 93534 44 12/18/2003
1501106243 CA 93535 44.4 12/18/2003
1501106314 TX 77802 50 12/5/2003
1501106315 TX 77802 33.2 12/5/2003
1501106340 LA 70117 0 RMI 12/16/2003
1501106371 AL 36542 0 12/12/2003
1501106403 TN 38107 38.7 12/11/2003
1501106416 TN 38116 0 RMI 12/18/2003
1501106538 DE 19958 21 1/26/2004
1501106551 MI 48228 21 1/2/2004
1501106553 IL 60516 25.4 1/9/2004
1501106580 MI 48188 0 1/13/2004
1501106615 TX 75227 9.7 RMI 1/13/2004
1501106619 LA 70003 0 1/8/2004
1501106624 LA 70448 30.3 1/30/2004
1501106628 AZ 85234 25.4 UNI 1/16/2004
1501106636 NV 89117 26.5 RMI 1/8/2004
1501106649 CA 91744 35.9 RMI 1/14/2004
1501106652 CO 80915 41.3 1/15/2004
1501106664 CO 80904 25.9 1/26/2004
1501106667 TX 78664 30.7 RMI 1/27/2004
1501106720 TX 77494 27.2 1/30/2004
1501106763 MT 59047 48.8 1/29/2004
1501106790 MD 21208 36.7 RMI 1/29/2004
1701101581 CA 92677 31.3 5/27/2003
1701101725 CA 93010 40 7/23/2003
1701101857 CA 94116 39.4 6/26/2003
1701102047 CA 94521 22.9 6/24/2003
1701102154 CA 92677 11.5 6/26/2003
1701102187 CA 92660 26.7 7/23/2003
1701102207 CA 92211 45.3 10/22/2003
1701102241 CA 92602 39.7 10/9/2003
1701102610 CA 90402 18.1 10/27/2003
1701102664 CA 92397 38.8 PMI 8/5/2003
1701102721 CA 90212 11.2 11/19/2003
1701102807 CA 90068 31.7 9/22/2003
1701102831 CA 92069 23.8 10/1/2003
1701102854 CA 90260 22.2 10/10/2003
1701102865 CA 92021 33.5 10/3/2003
1701102867 CA 92651 28.2 10/7/2003
1701102872 CA 92833 32.4 8/22/2003
1701102908 CA 91360 39.4 10/3/2003
1701102936 CA 92691 16.9 10/9/2003
1701102937 CA 92672 25.6 10/8/2003
1701102938 CA 92675 18 10/14/2003
1701102963 CA 94122 20.9 10/20/2003
1701102967 CA 92677 34.5 9/24/2003
1701102970 CA 90807 0 10/8/2003
1701102972 AZ 85705 30.5 10/1/2003
1701102980 CA 90046 34.3 10/21/2003
1701102987 CA 92708 30.6 9/29/2003
1701102989 CA 91356 38.5 10/3/2003
1701103007 CA 92530 44.8 PMI 10/1/2003
1701103014 CA 92101 42.5 10/21/2003
1701103043 CA 92386 0 10/15/2003
1701103046 NV 89119 38.3 9/25/2003
1701103055 CA 94901 21.3 11/21/2003
1701103057 CA 90638 34.3 9/25/2003
1701103062 CA 91504 34.9 10/1/2003
1701103063 CA 91206 39.8 9/30/2003
1701103067 CA 91901 48.5 11/7/2003
1701103068 CA 92234 43.7 10/2/2003
1701103072 CA 92315 35.9 PMI 10/14/2003
1701103076 CA 91405 42.6 10/24/2003
1701103078 CA 91011 23.8 10/1/2003
1701103085 CA 92131 38 10/14/2003
1701103087 CA 93427 0 9/30/2003
1701103093 CA 91362 22.2 10/2/2003
1701103102 CA 91355 41.5 10/20/2003
1701103109 CA 90712 44.5 10/1/2003
1701103115 CA 91301 0 10/23/2003
1701103116 CA 90045 20.8 10/10/2003
1701103120 CA 94520 38.5 10/2/2003
1701103122 CA 92692 28.8 10/4/2003
1701103123 CA 91406 34.9 10/7/2003
1701103130 CA 94112 43.9 11/21/2003
1701103145 CA 91205 35.7 10/8/2003
1701103151 CA 91360 0 10/8/2003
1701103152 CA 92703 45.8 10/3/2003
1701103160 CO 80401 18.7 10/29/2003
1701103175 CA 92879 0 10/8/2003
1701103176 CA 92117 33 10/16/2003
1701103177 CA 93535 0 10/8/2003
1701103178 CA 92405 34 10/24/2003
1701103181 CA 90036 27.1 10/27/2003
1701103201 CA 92805 35.9 10/24/2003
1701103202 CA 91201 25.8 10/30/2003
1701103211 CA 91324 39.2 10/17/2003
1701103216 CA 92879 0 10/21/2003
1701103217 CA 91744 40.4 10/16/2003
1701103221 CA 91367 0 10/24/2003
1701103225 CA 91906 26 11/14/2003
1701103226 CA 92692 38.8 10/24/2003
1701103231 CA 92845 40.5 10/22/2003
1701103236 CA 92672 18.8 10/24/2003
1701103238 NV 89144 40.1 10/27/2003
1701103239 CA 91311 43.5 11/7/2003
1701103240 CA 93455 36.8 UNI 10/21/2003
1701103248 CA 91107 21.6 10/20/2003
1701103254 CA 91762 47.1 10/27/2003
1701103261 CA 94954 0 11/4/2003
1701103262 CA 91381 30 11/6/2003
1701103263 CA 92707 26.1 10/29/2003
1701103269 CO 80301 0 10/31/2003
1701103270 CA 93305 13.4 10/24/2003
1701103272 CA 93065 36 11/7/2003
1701103273 CA 91325 23.1 10/28/2003
1701103274 CA 91384 38.5 10/27/2003
1701103279 CA 91362 40.3 11/7/2003
1701103283 CA 91343 38 10/24/2003
1701103285 CA 92656 26.7 10/30/2003
1701103293 CA 92673 29.3 10/24/2003
1701103297 CA 95133 38.6 PMI 10/28/2003
1701103299 AZ 85705 15.1 10/29/2003
1701103310 CA 92703 33.9 11/14/2003
1701103312 CA 92688 23.4 10/27/2003
1701103314 CA 92587 34 10/24/2003
1701103316 CA 92879 37.9 PMI 10/24/2003
1701103318 CA 92139 40.5 10/29/2003
1701103322 AZ 85745 25.6 11/13/2003
1701103325 CA 91762 0 11/17/2003
1701103326 CA 95023 0 PMI 11/10/2003
1701103347 CA 92705 0 11/7/2003
1701103349 CA 92551 42.8 10/23/2003
1701103350 CA 91320 28.4 11/5/2003
1701103352 CA 93010 16 11/7/2003
1701103354 CA 95762 0 11/10/2003
1701103356 CA 91803 38.8 11/10/2003
1701103358 CA 95382 43.8 11/7/2003
1701103362 CO 80909 18.5 10/29/2003
1701103366 CA 92808 36.6 11/18/2003
1701103367 CA 90033 37.9 11/13/2003
1701103368 CA 92677 48.1 UNI 12/15/2003
1701103371 CA 91304 0 11/18/2003
1701103372 CA 90266 7 11/11/2003
1701103381 CA 91104 42.1 11/7/2003
1701103383 CA 91744 44.7 11/19/2003
1701103385 AZ 85711 25.3 11/5/2003
1701103390 CA 91331 25.1 11/12/2003
1701103393 CA 91361 33.6 11/4/2003
1701103395 CA 91306 40.6 11/5/2003
1701103398 CA 91381 26.3 12/1/2003
1701103399 AZ 85711 25.3 11/5/2003
1701103401 CA 91304 38.2 11/18/2003
1701103404 CA 92316 0 11/17/2003
1701103407 AZ 85715 42.7 PMI 11/17/2003
1701103408 CA 92082 19.6 11/7/2003
1701103409 NE 68845 40.3 11/26/2003
1701103411 CA 91709 46.5 1/20/2004
1701103416 CA 92126 36.7 11/14/2003
1701103418 CA 90262 29.9 12/16/2003
1701103419 CA 92694 36.6 12/1/2003
1701103422 CA 92691 38.5 11/20/2003
1701103424 CA 92704 0 11/10/2003
1701103427 CA 91387 0 11/17/2003
1701103428 CA 92069 43.2 11/20/2003
1701103432 CA 95032 45.7 11/20/2003
1701103440 NV 89139 0 12/3/2003
1701103445 CA 90044 33.6 11/13/2003
1701103447 CA 93063 36.1 11/14/2003
1701103455 CA 90262 38.2 11/18/2003
1701103459 CA 90723 40.2 11/12/2003
1701103460 CA 91402 51.6 11/18/2003
1701103461 CA 94132 26.7 PMI 11/20/2003
1701103464 CA 90245 48.2 1/20/2004
1701103467 CA 92262 0 UNI 12/11/2003
1701103470 CA 91335 23.6 11/19/2003
1701103478 CA 90278 34.7 11/20/2003
1701103481 CA 92545 28 PMI 1/8/2004
1701103490 CA 91331 40.1 11/12/2003
1701103496 CA 91030 42.9 11/13/2003
1701103497 OH 45750 0 11/24/2003
1701103498 CA 92603 38.8 11/24/2003
1701103505 CA 90265 42.3 1/2/2004
1701103514 CA 93535 47.2 11/17/2003
1701103520 CA 90069 41 11/20/2003
1701103534 AZ 85323 37.3 12/18/2003
1701103543 NV 89030 30.3 MGI 11/26/2003
1701103544 CA 92324 45.2 PMI 11/21/2003
1701103546 CA 90630 0 12/1/2003
1701103550 CA 91387 43.8 11/19/2003
1701103552 CA 91791 30.2 12/11/2003
1701103558 CA 91362 39.7 11/20/2003
1701103561 AZ 85710 18.8 12/12/2003
1701103562 CA 91350 32 12/19/2003
1701103566 CA 92694 40 PMI 12/8/2003
1701103572 CA 90221 37.2 11/19/2003
1701103574 CA 90048 33.6 11/21/2003
1701103579 CA 92505 33.7 12/8/2003
1701103582 CA 92563 42.7 PMI 11/20/2003
1701103585 CA 92705 31 11/21/2003
1701103586 CA 91304 22.4 11/24/2003
1701103587 AZ 86404 26.3 12/15/2003
1701103589 CA 93041 42.1 PMI 12/2/2003
1701103590 CA 92808 38.3 12/5/2003
1701103594 CA 95037 0 11/26/2003
1701103595 CA 95118 0 12/8/2003
1701103601 CA 91607 46.5 11/24/2003
1701103603 CA 92260 40.6 PMI 12/3/2003
1701103605 CA 92586 48.9 12/4/2003
1701103606 CA 91367 39.5 11/21/2003
1701103611 CA 90029 49.7 12/8/2003
1701103613 CA 93305 38.3 11/24/2003
1701103614 CA 92584 54 12/2/2003
1701103615 CA 93305 25 11/24/2003
1701103618 CA 92656 43.1 12/8/2003
1701103631 CA 92508 32.8 12/3/2003
1701103638 NV 89130 0 12/15/2003
1701103639 CA 90027 29.1 11/25/2003
1701103644 CA 90007 39.1 12/11/2003
1701103646 CA 92372 45.4 1/13/2004
1701103648 CA 90301 0 12/12/2003
1701103651 CA 90745 38.2 12/5/2003
1701103656 CA 92078 34.4 12/3/2003
1701103658 CA 91301 47.8 12/11/2003
1701103660 CA 93505 41 12/5/2003
1701103661 CA 92116 49.1 12/5/2003
1701103663 CA 90803 0 12/23/2003
1701103668 CA 92105 44 12/11/2003
1701103672 CA 92301 45.4 PMI 12/15/2003
1701103676 CA 92844 43.5 12/15/2003
1701103678 CA 90813 32.8 12/9/2003
1701103681 CA 95404 0 PMI 12/16/2003
1701103682 CA 92595 36.7 12/5/2003
1701103688 WA 98406 13.7 12/11/2003
1701103696 CA 94541 42.9 PMI 12/9/2003
1701103699 CA 91307 32 12/8/2003
1701103702 CA 93023 48.2 1/16/2004
1701103704 CA 92672 35.3 12/26/2003
1701103705 CO 80127 0 PMI 12/18/2003
1701103706 CA 92504 35.9 PMI 12/9/2003
1701103708 CA 91108 35.3 12/17/2003
1701103710 CA 92064 0 1/12/2004
1701103713 CA 93065 0 PMI 12/11/2003
1701103714 CA 93065 35.2 12/19/2003
1701103719 CA 90034 15.2 12/10/2003
1701103721 CA 92127 40.1 12/18/2003
1701103728 CA 90731 23.2 12/17/2003
1701103729 CA 94403 36.3 12/24/2003
1701103736 AZ 85260 42.3 12/23/2003
1701103743 CA 90043 0 12/12/2003
1701103746 CA 92833 34 12/17/2003
1701103749 CA 93535 0 PMI 12/11/2003
1701103754 CA 91304 38.8 12/18/2003
1701103756 CA 95219 27.1 1/6/2004
1701103760 CA 92354 35.6 12/18/2003
1701103762 CA 91402 45.9 12/18/2003
1701103764 CA 93065 36.7 12/12/2003
1701103766 CA 91351 30.9 1/15/2004
1701103768 CA 93012 39.8 12/19/2003
1701103772 CA 93036 44.5 1/14/2004
1701103774 MT 59715 0 1/16/2004
1701103779 CA 90745 25.5 12/23/2003
1701103780 CA 93035 36.3 1/8/2004
1701103791 CA 93550 28.7 1/5/2004
1701103794 CA 92708 31.6 1/6/2004
1701103795 CA 93534 38.6 12/17/2003
1701103797 CA 93012 48.9 12/17/2003
1701103799 CA 93510 46.2 12/24/2003
1701103800 CA 91326 41.4 12/24/2003
1701103801 CA 90293 47.7 12/17/2003
1701103809 CA 92692 33.3 1/14/2004
1701103811 CA 93063 50 12/24/2003
1701103813 CA 92270 39.2 1/26/2004
1701103816 CA 91340 3.1 12/23/2003
1701103822 CA 94127 39.1 12/23/2003
1701103823 CA 92345 21.4 PMI 1/22/2004
1701103830 CA 92530 27.9 12/22/2003
1701103831 CA 90039 26.7 1/21/2004
1701103843 CA 95828 31.1 PMI 12/24/2003
1701103846 CA 94523 36.9 12/19/2003
1701103847 CA 93312 42 PMI 1/16/2004
1701103848 CA 92544 28.8 12/24/2003
1701103850 CA 91607 29.2 1/15/2004
1701103851 CA 92651 18 12/22/2003
1701103852 CA 90813 33 PMI 1/26/2004
1701103853 CA 90813 18.1 PMI 1/15/2004
1701103854 CA 95212 26.8 1/13/2004
1701103859 CA 90016 44.8 12/24/2003
1701103865 CA 92270 35.3 1/23/2004
1701103873 AZ 86404 0 1/13/2004
1701103876 CA 92883 33.5 1/28/2004
1701103879 CA 92656 31.7 1/9/2004
1701103884 CA 92606 38.3 12/29/2003
1701103892 CA 91320 35.2 1/12/2004
1701103894 CA 91362 36.9 1/13/2004
1701103898 CA 92592 42.7 1/12/2004
1701103899 CA 91361 0 1/12/2004
1701103900 CA 92027 39.6 1/7/2004
1701103908 CA 92835 40 1/5/2004
1701103915 CA 90016 17.7 1/14/2004
1701103916 CA 91040 46 PMI 1/14/2004
1701103918 CA 90254 33.4 1/6/2004
1701103920 CA 91321 0 PMI 1/23/2004
1701103924 CA 92545 36.7 PMI 1/26/2004
1701103926 CA 92545 37.1 1/26/2004
1701103928 CA 92677 47 1/8/2004
1701103933 AZ 85213 42.6 1/13/2004
1701103935 CA 91331 46.1 1/16/2004
1701103941 CA 92570 0 1/9/2004
1701103943 CA 94801 34.1 PMI 1/21/2004
1701103949 CA 93030 41.9 1/8/2004
1701103956 CA 94560 40.1 1/21/2004
1701103957 CA 92629 40.7 1/9/2004
1701103960 CA 91326 29.8 1/21/2004
1701103962 CA 91335 39.5 1/21/2004
1701103965 AZ 86403 0 1/8/2004
1701103967 CA 95377 38.2 1/13/2004
1701103970 CA 92108 0 1/12/2004
1701103971 CA 93021 33.3 1/14/2004
1701103978 CA 91307 34.9 1/15/2004
1701103982 CA 90266 35.2 1/16/2004
1701103989 CA 94536 36.8 1/23/2004
1701103994 CA 94030 35.4 1/21/2004
1701104009 CA 93313 42.5 1/26/2004
1701104012 WA 98362 47.8 1/22/2004
1701104016 CA 92376 31.8 1/28/2004
1701104018 CA 91303 32 1/15/2004
1701104020 CA 90066 16.9 1/22/2004
1701104032 CA 93063 0 1/21/2004
1701104033 CA 92315 0 1/22/2004
1701104036 CA 92672 42.3 1/28/2004
1701104041 CA 90293 19.7 1/22/2004
1701104049 CA 92691 0 1/22/2004
1701104051 CA 91766 52.3 1/20/2004
1701104052 CA 92840 0 PMI 1/23/2004
1701104057 CA 92562 22.5 1/22/2004
1701104071 CA 90601 13.9 1/15/2004
1701104073 CA 92129 31.9 1/26/2004
1701104078 CA 94134 42.5 1/26/2004
1701104088 CA 92677 34 1/20/2004
1701104089 CA 92808 0 1/23/2004
1701104096 CA 94514 34.5 1/23/2004
1701104106 CA 92882 33.6 1/26/2004
1701104107 CA 92691 0 1/22/2004
1701104137 CA 91746 33.5 1/26/2004
1701104140 CA 94587 0 1/26/2004
1701104154 CA 92108 30 1/29/2004
1701104163 CA 92673 41.5 1/27/2004
1702100082 WA 98059 0 10/3/2003
1702100086 WA 98023 37.1 10/3/2003
1702100095 WA 98105 45.4 10/21/2003
1702100100 WA 98225 41 10/27/2003
1702100101 WA 98225 36.4 10/27/2003
1702100102 WA 98230 46.4 10/28/2003
1702100105 WA 98133 44.4 PMI 10/28/2003
1702100111 WA 98223 34.2 PMI 12/16/2003
1702100112 WA 98374 31.2 PMI 12/3/2003
1702100115 WA 98116 0 12/16/2003
1702100116 WA 98241 38.6 PMI 12/8/2003
1702100117 OR 97734 38.9 PMI 12/15/2003
1702100118 WA 98902 45.4 PMI 12/24/2003
1702100123 WA 98166 28 PMI 12/23/2003
1702100126 WA 98404 0 12/22/2003
1702100127 OR 97754 45.2 PMI 12/22/2003
1702100129 WA 98058 35.2 1/6/2004
1702100132 WA 98047 37.7 1/9/2004
1702100140 WA 98033 44.4 PMI 1/22/2004
1702100141 WA 98030 37.8 PMI 1/22/2004
1702100142 WA 98362 43.1 1/26/2004
1702100144 WA 98033 38.6 1/20/2004
1702100151 WA 98205 0 1/27/2004
1703100011 CO 80503 36 10/17/2003
1703100070 CO 80126 46 PMI 12/3/2003
1703100076 CO 80004 22.1 10/10/2003
1703100080 CO 80126 45.1 PMI 9/29/2003
1703100083 CO 80017 44 10/1/2003
1703100090 CO 80209 35.9 10/31/2003
1703100094 CO 80210 0 10/17/2003
1703100097 CO 80033 0 10/17/2003
1703100098 CO 80222 30.5 10/9/2003
1703100102 CO 80237 0 10/24/2003
1703100104 CO 80012 27.1 PMI 10/17/2003
1703100113 CO 80428 38 RAD 10/17/2003
1703100115 NM 87540 45.7 10/27/2003
1703100117 CO 80020 48.3 PMI 11/7/2003
1703100121 CO 80015 0 10/30/2003
1703100126 CO 80904 37.6 10/29/2003
1703100131 CO 80003 36.6 11/10/2003
1703100133 CO 80128 25.4 11/3/2003
1703100137 CO 80210 27.9 10/28/2003
1703100139 CO 80516 45 11/5/2003
1703100149 CO 80918 49.7 12/26/2003
1703100151 CO 80226 38.6 11/14/2003
1703100161 CO 80111 37.6 PMI 12/16/2003
1703100162 CO 80504 0 11/19/2003
1703100170 NM 87501 44 12/2/2003
1703100172 CO 80403 35.9 12/23/2003
1703100174 CO 80906 32.9 12/12/2003
1703100175 CO 80918 0 PMI 12/5/2003
1703100179 CO 80911 44.1 12/5/2003
1703100182 CO 80236 19.1 1/14/2004
1703100185 NV 89052 27.3 PMI 12/22/2003
1703100187 CO 80602 43.2 PMI 12/19/2003
1703100190 CO 80013 34 1/8/2004
1703100192 CO 80911 44.4 PMI 12/12/2003
1703100193 NV 89074 33.5 12/24/2003
1703100199 CO 80020 49.1 PMI 12/30/2003
1703100203 CO 80123 33.1 PMI 12/18/2003
1703100204 NV 89032 34 PMI 1/13/2004
1703100207 CO 80214 44.2 12/22/2003
1703100215 CO 80241 33 PMI 12/22/2003
1703100217 CO 80219 20.6 1/20/2004
1703100219 NV 89015 27.8 1/5/2004
1703100220 CO 80126 43.7 12/24/2003
1703100221 CO 81131 43 PMI 1/12/2004
1703100222 CO 80124 43.8 12/26/2003
1703100233 CO 80401 27.1 1/2/2004
1703100238 NV 89135 28.4 1/5/2004
1703100244 CO 80920 41.2 1/9/2004
1703100247 CO 80010 0 1/16/2004
1703100248 CO 80915 34.5 PMI 1/27/2004
1703100251 CO 80226 32.2 1/20/2004
1703100263 CO 80907 44.4 1/27/2004
1703100272 CO 80206 37.4 1/29/2004
1901008936 NY 10901 23.5 6/5/2003
1901009915 NY 11020 46.7 6/10/2003
1901010847 NJ 7628 48.3 9/25/2003
1901011291 NY 11717 16.3 12/4/2003
1901011391 NJ 7204 39.5 11/14/2003
1901011412 MA 1605 26.8 11/10/2003
1901011486 NY 11207 47 11/14/2003
1901011491 NJ 7458 35 10/13/2003
1901011504 NY 10309 31.9 11/21/2003
1901011671 XX 0000 31.5 11/11/2003
1901011747 NY 11208 47.8 11/13/2003
1901011749 NY 12538 0 PMI 12/12/2003
1901011780 CT 6762 49.9 11/18/2003
1901011804 NY 10459 49 11/25/2003
1901011834 NY 11428 31.1 1/12/2004
1901011905 NJ 8540 40 11/20/2003
1901012285 XX 0000 39.7 11/24/2003
1901012299 NY 11433 38.7 11/28/2003
1901012430 CT 6757 0 12/17/2003
1901012461 MA 1605 0 PMI 12/31/2003
1901012625 NY 11746 45.6 1/2/2004
1901013157 NJ 7928 36.7 1/26/2004
3302000285 GA 30014 12.4 11/3/2003
5201461700 PA 19115 31.4 3/11/2003
5201553900 NY 11779 0 6/27/2003
7301100043 GA 30205 45.6 12/9/2003
7301100050 GA 30269 42.6 12/30/2003
Id SalesPrc DocType Mos1stRtChg Mos1stPmtChg LookBack IntRtRndFct CLTV
-- -------- ------- ----------- ------------ -------- ----------- ----
36558583 169500 SN 24 24 99.82
36565364 0 LD 0 0 84.82
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Id FICO Product PPFlg PPTrm PPExpDt PPCd SilentSecond WHSE
-- ---- ------- ----- ----- ------- ---- ------------ ----
36558583 670 2_6 N 0
36565364 676 30 Y Y 36 10/1/2006 CA1
36565745 676 30 Y Y 36 11/1/2006 CA1
36576619 666 2_6 Y 24 10/1/2005 CA1
36580009 702 2_6 Y 24 11/1/2005 CA1
36587954 664 2_6 Y 24 1/1/2006 CA1
36590370 669 2_6 Y 24 11/1/2005 CA1
36590586 677 2_6 Y 24 10/1/2005 CA1
36597953 705 2_6 Y 24 11/1/2005 MA1
36600955 750 2_6 Y 24 10/1/2005 CA1
36603686 741 2_6 Y 24 11/1/2005 CA1
36612281 704 30 Y Y 36 11/1/2006 CA1
36615359 665 2_6 Y 24 1/1/2006 LA1
36617413 767 2_6 N 0
36628063 706 2_6 Y 24 11/1/2005 CA1
36628741 672 2_6 Y 24 11/1/2005 CA1
36632214 744 2_6 Y 24 10/1/2005 CA1
36632743 662 2_6 Y 24 10/1/2005 CA1
36633683 661 2_6 Y 24 11/1/2005 CA1
36636496 706 2_6 Y 24 1/1/2006 CA1
36638294 668 2_6 Y 24 11/1/2005 CA1
36644995 712 2_6 Y 24 10/1/2005 CA1 Y
36647790 697 2_6 Y 24 11/1/2005 CA1
36650430 678 2_6 Y 24 11/1/2005 CA1
36650927 739 2_6 Y 24 11/1/2005 KY1
36653004 773 2_6 Y 24 11/1/2005 KY1
36655546 662 2_6 Y 24 11/1/2005 CA1
36655744 693 2_6 Y 24 11/1/2005 CA1
36657179 740 2_6 Y 24 11/1/2005 CA1
36657278 663 30 Y N 0
36659845 671 2_6 Y 24 11/1/2005 CA1
36662179 664 2_6 Y 24 10/1/2005 CA1
36666238 666 2_6 Y 24 11/1/2005 CA1
36668507 766 2_6 Y 24 11/1/2005 CA1
36669158 672 2_6 Y 24 11/1/2005 CA1
36670974 681 2_6 Y 24 1/1/2006 CA1
36671378 660 30 Y Y 36 11/1/2006 CA1
36671568 778 2_6 Y 24 1/1/2006 CA1
36673531 729 30 Y Y 36 11/1/2006 CA1
36673820 764 2_6 Y 24 11/1/2005 CA1
36676047 683 2_6 Y 24 11/1/2005 CA1
36677151 662 30 Y Y 36 11/1/2006 OH1
36678266 678 2_6 Y 24 11/1/2005 CA1
36678415 694 2_6 Y 24 11/1/2005 CA1
36679504 671 2_6 Y 24 11/1/2005 MA1
36683167 696 2_6 Y 24 11/1/2005 CA1
36689677 677 2_6 Y 24 1/1/2006 CA1
36691871 680 15 Y Y 36 11/1/2006 VA1
36691970 710 2_6 Y 24 12/1/2005 CA1
36693000 677 2_6 Y 24 11/1/2005 CA1
36696680 708 2_6 Y 24 11/1/2005 CA1
36696706 692 2_6 Y 24 11/1/2005 CA1
36698066 662 30 Y Y 12 12/1/2004 NY1
36698959 723 2_6 N 0 Y
36701894 723 2_6 N 0
36704179 726 2_6 Y 24 11/1/2005 CA1
36705663 660 30 Y Y 36 11/1/2006 CA1
36707495 681 2_6 Y 24 11/1/2005 MN1
36707677 671 2_6 Y 24 11/1/2005 CA1
36708931 711 2_6 Y 24 11/1/2005 MI1
36711752 679 2_6 N 0
36712750 780 2_6 Y 24 11/1/2005 CA1
36714814 708 2_6 Y 24 11/1/2005 CA1
36721108 795 2_6 Y 24 1/1/2006 IL1
36721637 668 2_6 Y 24 11/1/2005 CA1
36722163 707 2_6 Y 24 11/1/2005 CA1
36726040 661 2_6 Y 24 12/1/2005 CA1
36727360 677 2_6 Y 24 12/1/2005 CA1
36727600 751 2_6 Y 24 11/1/2005 CA1
36728541 662 30 Y Y 36 11/1/2006 CA1
36728657 726 2_6 Y 24 12/1/2005 CA1
36729606 670 2_6 Y 24 1/1/2006 CA1
36729846 752 2_6 Y 24 11/1/2005 CA1
36730950 726 30 Y Y 36 12/1/2006 CA1
36733087 667 2_6 Y 24 11/1/2005 CA1
36734044 744 2_6 N 0
36734192 698 2_6 Y 24 11/1/2005 CA1
36738466 777 2_6 Y 24 1/1/2006 CA1
36742518 708 2_6 Y 24 12/1/2005 CA1
36742591 692 2_6 Y 24 12/1/2005 CA1
36742781 664 2_6 Y 24 12/1/2005 CA1
36744225 686 2_6 Y 24 1/1/2006 CA1
36745131 689 2_6 Y 24 1/1/2006 CA1
36747616 706 2_6 Y 24 12/1/2005 CA1
36748507 669 2_6 Y 24 1/1/2006 CA1
36749463 739 2_6 Y 24 1/1/2006 CA1
36749596 669 2_6 Y 24 12/1/2005 CA1
36752301 667 2_6 N 0
36752830 674 30 Y Y 36 1/1/2007 OH1
36754026 671 2_6 Y 24 1/1/2006 OH1
36755940 776 30 Y Y 36 12/1/2006 CA1
36756948 709 2_6 Y 24 1/1/2006 OH1
36757482 670 2_6 Y 24 1/1/2006 CA1
36757896 666 2_6 Y 24 1/1/2006 CA1
36759215 692 2_6 Y 24 1/1/2006 CA1
36759256 663 2_6 Y 24 1/1/2006 CA1 Y
36763019 696 2_6 Y 24 1/1/2006 CA1
36763290 707 2_6 Y 24 1/1/2006 OH1
36767119 667 30 Y Y 36 1/1/2007 CA1
36769602 661 2_6 Y 24 1/1/2006 CA1
36769982 666 2_6 Y 24 1/1/2006 CA1
36770196 675 2_6 Y 24 1/1/2006 CA1
36770832 780 2_6 Y 24 12/1/2005 CA1
36771640 680 2_6 Y 24 1/1/2006 CA1
36771715 737 2_6 Y 24 1/1/2006 CA1
36774776 660 2_6 Y 24 1/1/2006 CA1
36775807 660 30 Y Y 36 1/1/2007 CA1
36775815 710 2_6 N 0
36776185 731 2_6 Y 24 1/1/2006 CA1
36776532 741 2_6 Y 24 1/1/2006 CA1
36776672 757 2_6 Y 24 12/1/2005 CA1
36776938 724 2_6 Y 24 1/1/2006 CA1
36777324 702 2_6 Y 24 1/1/2006 CA1
36777456 664 2_6 Y 24 1/1/2006 CA1
36778678 664 30 Y Y 36 1/1/2007 CA1
36780856 755 2_6 Y 24 1/1/2006 MI1
36781193 748 2_6 Y 24 1/1/2006 CA1
36781433 714 2_6 Y 24 1/1/2006 CA1
36781573 708 30 Y Y 36 1/1/2007 CA1
36782209 684 2_6 N 0
36784296 671 2_6 Y 24 1/1/2006 CA1
36786945 710 2_6 Y 24 1/1/2006 CA1
36788081 741 2_6 N 0
36788719 666 2_6 Y 24 1/1/2006 CA1
36788743 687 2_6 N 0
36788859 660 2_6 N 0
36788974 705 2_6 Y 24 1/1/2006 CA1
36789683 673 2_6 Y 24 1/1/2006 CA1
36791218 667 30 Y Y 36 1/1/2007 CA1
36791739 703 2_6 N 0
36792190 703 2_6 N 0
36792778 722 2_6 N 0
36793594 744 2_6 N 0
36794410 781 2_6 Y 24 1/1/2006 MO1
36796381 753 30 Y Y 36 1/1/2007 OH1
36797017 687 2_6 N 0
36797298 768 2_6 Y 24 1/1/2006 CA1
36797769 687 2_6 Y 24 1/1/2006 CA1
36798049 753 30 Y Y 36 1/1/2007 CA1
36798742 740 2_6 Y 24 1/1/2006 CA1
36799211 702 2_6 Y 24 1/1/2006 MI1
36799401 663 2_6 Y 24 1/1/2006 CA1
36800282 704 2_6 Y 24 1/1/2006 CA1
36800423 667 2_6 Y 24 1/1/2006 MI1
36801140 697 2_6 N 0
36801710 682 2_6 Y 24 1/1/2006 CA1
36801744 668 2_6 Y 24 1/1/2006 CA1
36802320 743 2_6 N 0
36802395 713 2_6 Y 24 1/1/2006 MI1
36802874 676 2_6 Y 24 1/1/2006 CA1
36802890 780 30 Y Y 36 1/1/2007 CA1
36802965 713 2_6 N 0
36803237 699 2_6 Y 24 1/1/2006 CA1
36803328 749 2_6 Y 24 1/1/2006 CA1
36804201 687 2_6 Y 24 1/1/2006 CA1
36804615 684 2_6 Y 24 1/1/2006 CA1
36804920 671 2_6 Y 24 1/1/2006 CA1
36805026 712 2_6 Y 24 1/1/2006 CA1
36805935 761 2_6 Y 24 1/1/2006 WI1
36806164 771 2_6 Y 24 1/1/2006 CA1
36806511 726 2_6 Y 24 1/1/2006 CA1
36808210 760 2_6 Y 24 1/1/2006 CA1 Y
36808483 712 2_6 Y 24 1/1/2006 CA1
36808939 674 2_6 Y 24 1/1/2006 CA1
36809036 744 2_6 Y 24 1/1/2006 CA1
36809242 747 2_6 Y 24 1/1/2006 CA1
36809846 780 30 Y Y 24 1/1/2006 CA1
36812428 700 2_6 Y 24 1/1/2006 CA1
36813129 702 2_6 Y 24 1/1/2006 CA1
36813475 776 2_6 Y 24 1/1/2006 CA1
36813699 723 2_6 Y 24 1/1/2006 IL1
36813954 666 2_6 Y 24 1/1/2006 CA1
36815074 670 2_6 Y 24 1/1/2006 MS1
36815215 670 2_6 Y 24 1/1/2006 CA1
36815249 662 2_6 N 0
36815322 690 2_6 Y 24 1/1/2006 MN1
36815470 780 30 Y Y 36 1/1/2007 CA1
36816023 742 2_6 Y 24 1/1/2006 CA1
36816387 733 2_6 Y 24 1/1/2006 CA1
36817278 696 2_6 Y 24 1/1/2006 CA1
36817674 675 2_6 N 0
36818334 702 2_6 Y 24 2/1/2006 CA1
36819233 764 2_6 Y 24 1/1/2006 CA1
36819407 706 2_6 Y 24 1/1/2006 CA1 Y
36819555 665 2_6 N 0
36820520 747 2_6 N 0
36821049 735 2_6 Y 24 1/1/2006 CA1
36821296 673 2_6 N 0
36821353 677 2_6 Y 24 1/1/2006 CA1
36821726 756 2_6 Y 24 1/1/2006 CA1
36822005 683 2_6 Y 24 1/1/2006 CA1
36822229 679 2_6 N 0
36823813 685 2_6 Y 24 1/1/2006 CA1
36824050 729 2_6 Y 24 1/1/2006 CA1
36826212 702 2_6 Y 24 1/1/2006 CA1
36826899 664 2_6 N 0
36827616 757 2_6 Y 24 1/1/2006 CA1
36827640 753 2_6 Y 24 1/1/2006 CA1
36827921 682 2_6 N 0
36828010 664 2_6 Y 24 1/1/2006 CA1
36828341 679 2_6 Y 24 1/1/2006 CA1
36828770 677 2_6 Y 24 1/1/2006 CA1
36829356 661 2_6 Y 24 1/1/2006 CA1
36829711 670 2_6 N 0
36829885 673 2_6 Y 24 1/1/2006 CA1
36829935 697 2_6 Y 24 1/1/2006 CA1
36832459 715 2_6 Y 24 1/1/2006 CA1
36832491 742 2_6 N 0
36832517 702 2_6 Y 24 1/1/2006 CA1
36832905 677 30 Y Y 36 1/1/2007 CA1
36833267 689 2_6 Y 24 1/1/2006 CA1
36834323 785 2_6 Y 24 1/1/2006 MI1
36834687 760 2_6 N 0
36834794 701 2_6 N 0
36835668 746 2_6 Y 24 1/1/2006 CA1
36836989 760 2_6 Y 24 1/1/2006 CA1
36837276 660 30 Y N 0
36837359 697 2_6 Y 24 1/1/2006 CA1
36838019 733 2_6 N 0
36838746 737 30 Y Y 36 1/1/2007 CA1
36839355 687 2_6 Y 24 1/1/2006 CA1
36839595 699 2_6 Y 24 1/1/2006 CA1
36839983 691 30 Y Y 36 1/1/2007 VA1
36840973 725 2_6 Y 24 1/1/2006 CA1
36842433 704 2_6 Y 24 1/1/2006 CA1
36842714 671 2_6 Y 24 1/1/2006 CA1
36842722 692 2_6 Y 24 1/1/2006 CA1
36842961 689 2_6 Y 24 1/1/2006 VA1 Y
36843449 675 30 Y Y 36 1/1/2007 CA1
36843480 678 2_6 Y 24 1/1/2006 CA1
36844298 673 2_6 N 0
36844561 699 2_6 Y 24 1/1/2006 CA1
36844579 710 2_6 Y 24 1/1/2006 CA1
36845030 672 2_6 Y 24 1/1/2006 CA1
36845766 741 2_6 Y 24 1/1/2006 CA1
36846731 711 2_6 Y 24 1/1/2006 MI1
36846897 747 2_6 N 0
36847960 671 2_6 N 0
36848075 687 2_6 N 0
36848166 717 2_6 N 0
36849974 710 2_6 Y 24 1/1/2006 CA1
36850303 721 30 Y Y 36 1/1/2007 CA1
36851798 685 2_6 Y 24 1/1/2006 CA1
36853018 712 2_6 N 0
36853455 687 2_6 Y 24 1/1/2006 CA1
36853554 660 2_6 Y 24 1/1/2006 CA1
36854024 682 2_6 Y 24 1/1/2006 CA1
36854065 723 30 Y Y 24 1/1/2006 CA1
36854438 720 2_6 Y 24 1/1/2006 CA1
36858314 676 2_6 Y 24 1/1/2006 CA1
36860823 675 2_6 Y 24 1/1/2006 CA1
36866721 678 2_6 Y 24 1/1/2006 CA1
36867091 695 2_6 Y 24 1/1/2006 CA1
36867364 669 2_6 Y 24 1/1/2006 CA1
36875243 679 2_6 Y 24 2/1/2006 CA1
36875540 674 2_6 Y 24 1/1/2006 CA1
1101001566 657 30 Y N
1101001751 756 6 Mo N
1101001797 681 5_6 N
1101001862 640 6 Mo N
1101001939 654 5_6 N
1101001944 776 5_6 N
1101001957 673 5_6 N 0 Y
1101001996 669 20 Y N
1101002009 611 2_6 N 0
1101002015 683 30 Y N
1101002054 648 30 Y N
1101002061 671 2_6 N Y
1102000515 686 5_6 N
1102000554 758 5_6 N
1102000568 777 5_6 N
1102000574 709 30 Y N 0
1102000577 706 30 Y N
1102000587 758 5_6 N 0
0000000000 735 6 Mo N
1102000622 645 6 Mo N
1102000666 628 2_6 N
1104000051 654 30 Y N 0
1104000131 687 5_6 N
1104000142 662 30 Y N
1104000172 678 6 Mo N 0 Y
1104000184 724 6 Mo N Y
1104000203 737 5_6 N Y
1104000219 762 6 Mo N Y
1104000237 671 30 Y N
1104000240 717 2_6 N
1104000284 677 6 Mo N
1104000285 677 6 Mo N
1105000567 723 5_6 Y 36 11/1/2006 C
1105000605 000 00 X X X
0000000000 000 00 Y N
1105000706 737 5_6 N
1105000707 652 20 Y N
1105000724 655 30 Y N
1105000764 526 2_6 Y 12 12/1/2004 C
1105000779 664 5_6 N
0000000000 645 5_6 N
1105000827 524 2_6 N 0
0000000000 769 30 Y N
1105000860 611 2_6 Y 24 12/1/2005 C
1105000866 604 2_6 Y 12 12/1/2004 C
1105000869 626 2_6 Y 24 12/1/2005 C Y
1105000896 657 6 Mo N
1105000900 684 2_6 Y 24 1/1/2006 C
1105000910 656 2_6 N
1105000914 725 5_6 N
1105100066 667 30/1 N
1105100297 570 2_6 Y 24 8/1/2005 C
1105100318 654 2_6 N 0
1105100376 560 2_6 Y 12 9/1/2004 K
1105100412 607 2_6 Y 24 9/1/2005 C
1105100456 591 2_6 N 0
1105100473 701 5_6 N
1105100486 611 2_6 N 0
1105100509 597 2_6 N 0
1105100616 689 5_6 N
1105100666 702 2_6 N 0 Y
0000000000 539 2_6 N 0
1105100753 524 2_6 N 0
1105100791 652 5_6 N
0000000000 637 30 Y N
1105100860 646 2_6 N 0
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0000000000 727 2_6 Y 24 10/1/2005 I Y
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1701103072 676 30 Y Y 60 11/1/2008 C
1701103076 658 30 Y Y 60 11/1/2008 C Y
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1701103087 771 30 Y Y 12 11/1/2004 I Y
1701103093 647 2_6 Y 12 11/1/2004 I
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0000000000 623 2_6 Y 24 11/1/2005 C
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1701103399 675 30 Y Y 60 12/1/2008 C Y
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1701103422 662 30 Y Y 60 12/1/2008 C
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1701103681 660 6 Mo Y 60 1/1/2009 C Y
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0000000000 637 30 Y Y 60 2/1/2009 C
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EXHIBIT I
[RESERVED]
I-1
EXHIBIT J
[RESERVED]
J-1
EXHIBIT K
FORM OF ASSIGNMENT AGREEMENT
This Assignment, Assumption and Recognition Agreement (the "AAR
Agreement") is made and entered into as of March __, 2004 (the "Closing Date"),
among Homestar Mortgage Acceptance Corp. (the "Assignor"), HSBC Bank USA, as
trustee for the holders of Homestar Mortgage Acceptance Corp., Asset-Backed
Pass-Through Certificates, Series 2004-1 (the "Assignee") and Home Star Mortgage
Services, LLC (the "Company").
Whereas, Xxxxx Fargo Bank, N.A. (the "Master Servicer") and the Company
entered into that certain Servicing Agreement, dated as of March 5, 2004 (the
"Cenlar Servicing Agreement"), pursuant to which the Company agreed to service
certain mortgage loans (the "Cenlar Mortgage Loans") for the benefit of the
Assignee; and
Whereas, the Assignor and the Company entered into that certain
Servicing Agreement, dated as of March 5, 2004 (the "Option One Servicing
Agreement", together with the Cenlar Servicing Agreement, the "Servicing
Agreements"), pursuant to which the Company agreed to service certain other
mortgage loans (the "Option One Mortgage Loans", together with the Cenlar
Mortgage Loans, the "Mortgage Loans") on behalf of the Assignor.
In consideration of the mutual promises and agreements contained
herein, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree that the
Mortgage Loans listed on Attachment 1 annexed hereto (the "Assigned Loans")
shall be subject to the terms of this AAR Agreement. Any capitalized term used
and not otherwise defined herein shall have the meaning assigned to such term in
the Servicing Agreements or the Pooling and Servicing Agreement (as defined
below).
Assignment and Assumption
1. Except as expressly provided for herein, the Assignor hereby grants,
transfers and assigns to the Assignee all of its right, title and interest as
in, to and under the Assigned Loans, and as they relate to the Assigned Loans,
the Servicing Agreements. Notwithstanding anything to the contrary contained
herein, the Assignor is not assigning to the Assignee any of its right, title
and interest, to and under the Servicing Agreements with respect to any other
mortgage loan other than the Assigned Loans. Except as is otherwise expressly
provided herein, the Assignor makes no representations, warranties or covenants
to the Assignee and the Assignee acknowledges that the Assignor has no
obligations to the Assignee under the terms of the Servicing Agreements or
otherwise relating to the transaction contemplated herein (including, but not
limited to, any obligation to indemnify the Assignee).
K-1
Assignor acknowledges and agrees that upon execution of this
Agreement, with respect to the Assigned Loans, all representations, warranties
and covenants by the Company under the Servicing Agreements shall accrue to
Assignee by virtue of this Agreement.
Representations, Warranties and Covenants
2. Assignor warrants and represents to, and covenants with, Assignee
and Company as of the date hereof that:
a. Attached hereto as Attachment 2 are true and correct copies of the
Servicing Agreements, which Servicing Agreements are in full force and
effect as of the date hereof and the provisions of which have not been
waived, amended or modified in any respect, nor has any notice of
termination been given thereunder;
b. Assignor was the lawful owner of the Assigned Loans with full right
to transfer the Assigned Loans and any and all of its interests, rights
and obligations under the Servicing Agreements they relate to the
Assigned Loans, free and clear from any and all claims and
encumbrances; and upon the transfer of the Assigned Loans to Assignee
as contemplated herein, Assignee shall have good title to each and
every Assigned Loan, as well as any and all of Assignee's interests,
rights and obligations under the Servicing Agreements as they relate to
the Assigned Loans, free and clear of any and all liens, claims and
encumbrances;
c. There are no offsets, counterclaims or other defenses available to
the Company with respect to the Servicing Agreements;
d. Assignor has no knowledge of, and has not received notice of, any
waivers under, or any modification of, any Assigned Loan;
e. Assignor is duly organized, validly existing and in good standing
under the laws of the jurisdiction of its incorporation, and has all
requisite power and authority to acquire, own and sell the Assigned
Loans;
f. Assignor has full corporate power and authority to execute, deliver
and perform its obligations under this AAR Agreement, and to consummate
the transactions set forth herein. The consummation of the transactions
contemplated by this AAR Agreement is in the ordinary course of
Assignor's business and will not conflict with, or result in a breach
of, any of the terms, conditions or provisions of Assignor's charter or
by-laws or any legal restriction, or any material agreement or
instrument to which Assignor is now a party or by which it is bound, or
result in the violation of any law, rule, regulation, order, judgment
or decree to which Assignor or its property is subject. The execution,
delivery and performance by Assignor of this AAR Agreement and the
consummation by it of the transactions contemplated hereby, have been
duly authorized by all necessary corporate action on part of Assignor.
This AAR Agreement has been duly executed and delivered by Assignor
and,
K-2
upon the due authorization, execution and delivery by Assignee and the
parties hereto, will constitute the valid and legally binding
obligation of Assignor enforceable against Assignor in accordance with
its terms except as enforceability may be limited by bankruptcy,
reorganization, insolvency, moratorium or other similar laws now or
hereafter in effect relating to creditors' rights generally, and by
general principles of equity regardless of whether enforceability is
considered in a proceeding in equity or at law;
g. No consent, approval, order or authorization of, or declaration,
filing or registration with, any governmental entity is required to be
obtained or made by Assignor in connection with the execution, delivery
or performance by Assignor of this AAR Agreement, or the consummation
by it of the transactions contemplated hereby. Neither Assignor nor
anyone acting on its behalf has offered, transferred, pledged, sold or
otherwise disposed of the Assigned Loans or any interest in the
Assigned Loans, or solicited any offer to buy or accept a transfer,
pledge or other disposition of the Assigned Loans, or any interest in
the Assigned Loans or otherwise approached or negotiated with respect
to the Assigned Loans, or any interest in the Assigned Loans with any
Person in any manner, or made any general solicitation by means of
general advertising or in any other manner, or taken any other action
which would constitute a distribution of the Assigned Loans under the
Securities Act of 1933, as amended (the "1933 Act") or which would
render the disposition of the Assigned Loans a violation of Section 5
of the 1933 Act or require registration pursuant thereto; and
h. There is no action, suit, proceeding, investigation or litigation
pending or, to Assignor's knowledge, threatened, which either in any
instance or in the aggregate, if determined adversely to Assignor,
would adversely affect Assignor's execution or delivery of, or the
enforceability of, this AAR Agreement, or the Assignor's ability to
perform its obligations under this AAR Agreement.
3. The Assignee warrants and represents to, and covenants with, the
Assignor and the Company as of the date hereof that:
a. Assignee is duly organized, validly existing and in good standing
under the laws of the jurisdiction of its organization and has all
requisite power and authority to hold the Assigned Loans as trustee on
behalf of the holders of Homestar Mortgage Acceptance Corp.,
Asset-Backed Pass-Through Certificates, Series 2004-1;
b. Assignee has full power and authority to execute, deliver and
perform its obligations under this AAR Agreement, and to consummate the
transactions set forth herein. The consummation of the transactions
contemplated by this AAR Agreement is in the ordinary course of
Assignee's business and will not conflict with, or result in a breach
of, any of the terms, conditions or provisions of Assignee's charter or
by-laws or any legal restriction, or any material agreement or
instrument to which Assignee is now a party or by which it is bound, or
result in the violation of any law, rule, regulation, order, judgment
or decree to
K-3
which Assignee or its property is subject. The execution, delivery and
performance by Assignee of this AAR Agreement and the consummation by
it of the transactions contemplated hereby, have been duly authorized
by all necessary corporate action on part of Assignee. This AAR
Agreement has been duly executed and delivered by Assignee and, upon
the due authorization, execution and delivery by Assignor and the
parties hereto, will constitute the valid and legally binding
obligation of Assignee enforceable against Assignee in accordance with
its terms except as enforceability may be limited by bankruptcy,
reorganization, insolvency, moratorium or other similar laws now or
hereafter in effect relating to creditors' rights generally, and by
general principles of equity regardless of whether enforceability is
considered in a proceeding in equity or at law;
c. No consent, approval, order or authorization of, or declaration,
filing or registration with, any governmental entity is required to be
obtained or made by Assignee in connection with the execution, delivery
or performance by Assignee of this AAR Agreement, or the consummation
by it of the transactions contemplated hereby;
d. There is no action, suit, proceeding, investigation or litigation
pending or, to Assignee's knowledge, threatened, which either in any
instance or in the aggregate, if determined adversely to Assignee,
would adversely affect Assignee's execution or delivery of, or the
enforceability of, this AAR Agreement, or the Assignee's ability to
perform its obligations under this AAR Agreement; and
e. Assignee assumes for the benefit of each of Assignor and Company all
of Assignor's rights under the Servicing Agreements but solely with
respect to the Assigned Loans.
4. Company warrants and represents to, and covenants with, Assignee and
Assignor, as of the date hereof, that:
a. Attached hereto as Attachment 2 are true and accurate copies of the
Servicing Agreements, which agreements are in full force and effect as
of the date hereof and the provisions of which have not been waived,
amended or modified in any respect, nor has any notice of termination
been given thereunder;
b. Company is duly organized, validly existing and in good standing
under the laws of the jurisdiction of its formation, and has all
requisite power and authority to service the Assigned Loans and
otherwise to perform its obligations under the Servicing Agreements;
c. Company has full power and authority to execute, deliver and perform
its obligations under this AAR Agreement, and to consummate the
transactions set forth herein. The consummation of the transactions
contemplated by this AAR Agreement is in the ordinary course of
Company's business and will not conflict with, or result in a breach
of, any of the terms, conditions or provisions of Company's charter or
by-laws or any legal restriction, or any material agreement or
instrument to which Company is now a party or by which it is
K-4
bound, or result in the violation of any law, rule, regulation, order,
judgment or decree to which Company or its property is subject. The
execution, delivery and performance by Company of this AAR Agreement
and the consummation by it of the transactions contemplated hereby,
have been duly authorized by all necessary corporate action on part of
Company. This AAR Agreement has been duly executed and delivered by
Company, and, upon the due authorization, execution and delivery by
Assignor and Assignee, will constitute the valid and legally binding
obligation of Company, enforceable against Company in accordance with
its terms except as enforceability may be limited by bankruptcy,
reorganization, insolvency, moratorium or other similar laws now or
hereafter in effect relating to creditors' rights generally, and by
general principles of equity regardless of whether enforceability is
considered in a proceeding in equity or at law;
d. No consent, approval, order or authorization of, or declaration,
filing or registration with, any governmental entity is required to be
obtained or made by Company in connection with the execution, delivery
or performance by Company of this AAR Agreement, or the consummation by
it of the transactions contemplated hereby;
e. Company shall establish a Custodial Account and an Escrow Account
under the Servicing Agreements in favor of Assignee with respect to the
Assigned Loans separate from the Custodial Account and Escrow Account
previously established under the Servicing Agreements in favor of
Assignor;
f. Pursuant to Section 6.01 of the Cenlar Servicing Agreement, the
Company hereby restates the representations and warranties set forth in
Section 6.01 of the Cenlar Servicing Agreement with respect to the
Company; and
g. Neither this AAR Agreement nor any certification, statement, report
or other agreement, document or instrument furnished or to be furnished
by the Company pursuant to this AAR Agreement contains or will contain
any materially untrue statement of fact or omits or will omit to state
a fact necessary to make the statements contained therein not
misleading.
5. Assignor hereby agrees to indemnify and hold the Assignee (and its
successors and assigns) harmless against any and all claims, losses,
penalties, fines, forfeitures, legal fees and related costs, judgments,
and any other costs, fees and expenses that Assignee (and its
successors and assigns) may sustain in any way related to any breach of
the representations or warranties of Assignor set forth in this AAR
Agreement or the breach of any covenant or condition contained herein.
Recognition of Assignee
6. From and after the date hereof, Company shall recognize Assignee as
owner of the Assigned Loans, and acknowledges that the Assigned Loans will be
part of a REMIC, and will
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service the Assigned Loans in accordance with the Servicing Agreements but in no
event in a manner that would (i) cause any REMIC to fail to qualify as a REMIC
or (ii) result in the imposition of a tax upon any REMIC (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). It is the intention of Assignor, Company and Assignee that this
AAR Agreement shall be binding upon and for the benefit of the respective
successors and assigns of the parties hereto. Neither Company nor Assignor shall
amend or agree to amend, modify, waiver, or otherwise alter any of the terms or
provisions of the Servicing Agreements which amendment, modification, waiver or
other alteration would in any way affect the Assigned Loans without the prior
written consent of Assignee and the NIMs Insurer.
Miscellaneous
7. All demands, notices and communications related to the Assigned
Loans, the Servicing Agreements and this AAR Agreement shall be in writing and
shall be deemed to have been duly given if personally delivered at or mailed by
registered mail, postage prepaid, as follows:
a. In the case of Company, Home Star Mortgage Services, LLC W.
000 Xxxxxxx Xxxx Xxxxxxx, Xxx Xxxxxx 00000
b. In the case of Assignor, Homestar Mortgage Acceptance Corp.
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
c. In the case of Assignee, HSBC Bank USA as Trustee 000 Xxxxx
Xxxxxx Xxx Xxxx, Xxx Xxxx 00000 Attention: HMAC 2004-1
Telecopier No.:
8. The Company hereby acknowledges that Xxxxx Fargo Bank, N.A. (the
"Master Servicer") has been appointed as the master servicer of the Assigned
Loans pursuant to the Pooling and Servicing Agreement, dated as of March 1,
2004, among the Assignor, the Assignee and the Master Servicer, and therefor has
the right to enforce all obligations of the Company, as they relate to the
Assigned Loans, under the Servicing Agreements. Each reference to the Owner in
the Option One Servicing Agreement shall be a reference to the Assignee. Such
right will include, without limitation, the right to terminate the Company under
the Servicing Agreements upon the occurrence of an event of default thereunder,
the right to receive all remittances required to be made by the
K-6
Company under the Servicing Agreements, the right to receive all monthly reports
and other data required to be delivered by the Company under the Servicing
Agreements, the right to examine the books and records of the Company,
indemnification rights, and the right to exercise certain rights of consent and
approval relating to actions taken by the Company. The Company shall make all
distributions under the Servicing Agreements, as they relate to the Assigned
Loans, to the Master Servicer by wire transfer of immediately available funds
to:
HMAC Trust 2004-1
Xxxxx Fargo Bank, National Association
ABA# 000000000
SAS Clearing
Account # 0000000000
For Further Credit to: HMAC 2004-1, Account # 00000000
and the Company shall deliver all reports required to be delivered under the
Servicing Agreements, as they relate to the Assigned Loans, to the Assignee at
the address set forth in Section 7 herein and to the Master Servicer at:
Xxxxx Fargo Bank, National Association
0000 Xxx Xxxxxxxxx Xxxx
Xxxxxxxx, Xxxxxxxx 00000.
Attention: HMAC 2004-1
9. THIS AAR AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF
THE STATE OF NEW YORK, WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES, AND THE
OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN
ACCORDANCE WITH SUCH LAWS.
10. No term or provision of this AAR Agreement may be waived or
modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced.
11. This AAR Agreement shall inure to the benefit of the successors and
assigns of the parties hereto. Any entity into which Assignor, Assignee or
Company may be merged or consolidated shall, without the requirement for any
further writing, be deemed Assignor, Assignee or Company, respectively,
hereunder.
12. This AAR Agreement shall survive the conveyance of the Assigned
Loans, the assignment of the Servicing Agreements to the extent of the Assigned
Loans by Assignor to Assignee and the termination of the Servicing Agreements.
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13. This AAR Agreement may be executed simultaneously in any number of
counterparts. Each counterpart shall be deemed to be an original and all such
counterparts shall constitute one and the same instrument.
14. In the event that any provision of this AAR Agreement conflicts
with any provision of the Servicing Agreements with respect to the Assigned
Loans, the terms of this AAR Agreement shall control.
15. The NIMs Insurer shall be a third party beneficiary of this AAR
Agreement and shall be entitled to enforce the provisions hereof as if it were a
party hereto.
K-8
IN WITNESS WHEREOF, the parties hereto have executed this AAR Agreement
on the date first above written.
HOMESTAR MORTGAGE ACCEPTANCE CORP.,
the Assignor
By:
Its:
HSBC BANK USA, as trustee for the holders of Homestar Mortgage Acceptance Corp.,
Asset-Backed Pass-Through Certificates, Series 2004-1, the Assignee By:
Its:
HOME STAR MORTGAGE SERVICES, LLC,
the Company
By:
Its:
Acknowledged and Agreed:
XXXXX FARGO BANK, N.A.
By:
Its:
K-9
Attachment I
Assigned Loans
K-10
Attachment II
Servicing Agreements
K-11
EXHIBIT L-1
FORM CERTIFICATION TO BE PROVIDED BY THE MASTER SERVICER
WITH FORM 10-K
Re: Homestar Mortgage Acceptance Corp.,
Mortgage Pass-Through Certificates, Series 2004-1
I, [Identify the certifying individual], certify that:
1. I have reviewed this annual report on Form 10-K, and all
reports on Form 8-K containing distribution or servicing reports filed in
respect of periods included in the year covered by this annual report, of
Homestar Mortgage Acceptance Corp.;
2. Based on my knowledge, the information in these reports,
taken as a whole, does not contain any untrue statement of a material fact or
omit to state a material fact necessary to make the statements made, in light of
the circumstances under which such statements were made, not misleading as of
the last day of the period covered by this annual report;
3. Based on my knowledge, the distribution or servicing
information required to be provided to the trustee by the servicer under the
pooling and servicing, or similar, agreement, for inclusion in these reports is
included in these reports;
4. I am responsible for reviewing the activities performed by
the servicer under the pooling and servicing, or similar, agreement and based
upon my knowledge and the annual compliance review required under that
agreement, and except as disclosed in the reports, the servicer has fulfilled
its obligations under that agreement; and
5. The reports disclose all significant deficiencies relating
to the servicer's compliance with the minimum servicing standards based upon the
report provided by an independent public accountant, after conducting a review
in compliance with the Uniform Single Attestation Program for Mortgage Bankers
or similar procedure, as set forth in the pooling and servicing, or similar,
agreement, that is included in these reports.
In giving the certifications above, I have reasonably relied on
information provided to me by the following unaffiliated parties: [the Trustee
and Sub-Servicers]
Date: __________________
_______________________
[Signature]
[Title]
[Company]
X-0
XXXXXXX X-0
FORM CERTIFICATION TO BE
PROVIDED TO MASTER SERVICER BY THE TRUSTEE
Re: Homestar Mortgage Acceptance Corp.,
Mortgage Pass-Through Certificates, Series 2004-1
I, [Identify the certifying individual], a [______________] of
HSBC Bank USA, as Trustee, hereby certify to Xxxxx Fargo Bank, National
Association and its officers, directors and affiliates, and with the knowledge
and intent that they will rely upon this certification, that:
1. I have reviewed the annual report on Form 10-K for the
fiscal year [__], and all reports on Form 8-K containing distribution reports
filed in respect of periods included in the year covered by that annual report,
of the Issuer relating to the above-referenced trust;
2. Based on my knowledge, the information in these
distribution reports prepared by the Trustee, taken as a whole, does not contain
any untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under which
such statements were made, not misleading as of the last day of the period
covered by that annual report; and
3. Based on my knowledge, the distribution information
required to be provided by the Trustee under the Agreement is included in these
distribution reports.
Capitalized terms used but not defined herein have the
meanings ascribed to them in the Pooling and Servicing Agreement, dated March 1,
2004 (the "Agreement"), among Homestar Mortgage Acceptance Corp., as Company,
Xxxxx Fargo Bank, National Association, (in such capacity, the "Master
Servicer") and as securities administrator (in such capacity, the "Securities
Administrator"), and HSBC Bank USA, as Trustee.
HSBC BANK USA, as Trustee
By:__________________________
Name:
Title:
Date:
X-0
XXXXXXX X-0
FORM CERTIFICATION TO BE
PROVIDED TO MASTER SERVICER BY THE TRUSTEE
Re: Homestar Mortgage Acceptance Corp.,
Mortgage Pass-Through Certificates, Series 2004-1
I, [Identify the certifying individual], a [_________________]
of HSBC Bank USA, as Trustee, hereby certify to Xxxxx Fargo Bank, National
Association and its officers, directors and affiliates, and with the knowledge
and intent that they will rely upon this certification, that:
1. Based on my knowledge, the distribution information
required to be provided by the Trustee under the Agreement is included in these
distribution reports.
Capitalized terms used but not defined herein have the meanings
ascribed to them in the Pooling and Servicing Agreement, dated March 1, 2004
(the "Agreement"), among Homestar Mortgage Acceptance Corp., as Company, Xxxxx
Fargo Bank, National Association, (in such capacity, the "Master Servicer") and
as securities administrator (in such capacity, the "Securities Administrator"),
and HSBC Bank USA, as Trustee.
HSBC BANK USA, as Trustee
By:__________________________
Name:
Title:
Date:
X-0
XXXXXXX X-0
SERVICING AGREEMENT FOR ALT-A LOANS
THIS SERVICING AGREEMENT (this "Agreement"), entered into as of the 5th
day of March, 2004, by and among HOME STAR MORTGAGE SERVICES, LLC, a Delaware
corporation ("Home Star"), in its capacity as seller (the "Seller"), Home Star,
in its capacity as servicer (the "Servicer") and XXXXX FARGO BANK, NATIONAL
ASSOCIATION, as master servicer (the "Master Servicer"), recites and provides as
follows:
RECITALS
WHEREAS, Home Star owns and services certain residential Mortgage Loans
(the "Mortgage Loans");
WHEREAS, CENLAR FSB, a federal savings bank (the "Sub-Servicer")
sub-services certain of the Mortgage Loans for Home Star pursuant to that
certain [Sub-Servicing Agreement, dated as of March 1, 2004], by and between
Home Star and the Sub-Servicer, (the "Superseded Sub-Servicing Agreement");
WHEREAS, Home Star, as Seller, from time to time may convey certain of
the Mortgage Loans, on a servicing-retained basis, to one or more Trusts, as
defined herein, under one or more Trust Agreements, as defined herein, in
connection with a Pass-Through Transfer, as defined herein, with Xxxxx Fargo
Bank, National Association as the Master Servicer;
WHEREAS, upon the Effective Date, as defined herein, of any such
Pass-Through Transfer, the Mortgage Loans shall become Securitized Loans, as
defined herein;
WHEREAS, in connection with any such Pass-Through Transfer, the Seller
and the Master Servicer desire that the Servicer service any Securitized Loans
pursuant to this Agreement, and the Servicer has agreed to do so, subject to the
rights of the Seller and the Master Servicer to terminate the rights and
obligations of the Servicer hereunder as provided herein;
WHEREAS, the Master Servicer shall be obligated under each Trust
Agreement, among other things, to supervise the servicing of the Securitized
Loans subject to the Trust Agreement on behalf of the related Trust, and shall
have the right to terminate the rights and obligations of the Servicer under
this Agreement or under the Agreement relating to specified Securitized Loans
upon the occurrence and continuance of an Event of Default as provided herein;
WHEREAS, the Seller, the Servicer and the Master Servicer intend that
the NIMs Insurer and each Trustee be a third party beneficiary of this
Agreement;
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WHEREAS, the Seller and the Servicer acknowledge and agree that the
Seller will assign all of its rights and delegate all of its obligations
hereunder with regard to specified Securitized Loans (exclusive of the Seller's
rights and obligations as owner of the servicing rights relating to such
Securitized Loans) to the related Trust or Trustee, and that each reference
herein to the Seller with regard to specified Securitized Loans is intended,
unless otherwise specified, to mean the Seller or such Trust or Trustee, as
assignee of the specified Securitized Loans;
WHEREAS, this Agreement shall supersede the Superseded Sub-Servicing
Agreement in its entirety with respect to any Securitized Loans;
WHEREAS, the parties hereto mutually acknowledge and agree that,
pursuant to Section 7.04 of this Agreement, the Sub-Servicer will
contemporaneously herewith enter into a Sub-Servicing Acknowledgment Agreement
(the "Sub-Servicing Agreement") of even date herewith, pursuant to which the
Sub-Servicer will sub-service the Securitized Loans on behalf of the Servicer in
accordance with the terms of this Agreement and will have the benefit of certain
rights of the Servicer under this Agreement, other than those under Section 7.04
hereof.
NOW, THEREFORE, in consideration of the mutual agreements hereinafter
set forth and for other good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged, the Master Servicer, the Seller and
the Servicer hereby agree as follows:
ARTICLE I.
DEFINITIONS
The following terms are defined as follows (except as otherwise agreed
in writing by the parties):
Accepted Servicing Practices: With respect to any Securitized Loan,
those mortgage servicing practices that prudent mortgage lending institutions
would employ in servicing their own portfolio of mortgage loans of the same type
as the Securitized Loans in the jurisdiction where the related Mortgaged
Property is located, giving due consideration to customary and usual standards
of practice of mortgage lenders and loan servicers administering similar
mortgage loans.
Adjustable Rate Securitized Loan: A Securitized Loan under which the
Mortgage Interest Rate is adjusted from time to time in accordance with the
terms and provisions of the related Mortgage Note.
Adverse REMIC Event: Taking (or causing to be taken) any action, or
failure to take (or failure to cause to be taken) any action, that, under the
REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger
the status of such REMIC as a REMIC or (ii) result in the imposition of a tax
upon such REMIC (including but not limited to the tax on prohibited
M-1-2
transactions as defined in Section 860F(a)(2) of the Code and the tax on
prohibited contributions set forth on Section 860G(d) of the Code).
Advancing Person: As defined in Section 4.03 hereof.
Agreement: This Servicing Agreement and all amendments hereof and
supplements hereto.
Ancillary Income: All income derived from the Securitized Loans (other
than the (i) Servicing Fee or (ii) Prepayment Charges or Servicer Prepayment
Charge Payment Amounts attributable to the Securitized Loans), including but not
limited to late charges, penalty interest, any interest paid on funds deposited
in the Custodial Account and Escrow Account (other than interest on escrowed
funds required by law to be paid to the Mortgagor), fees received with respect
to checks or bank drafts returned by the related bank for non-sufficient funds,
assumption fees, modification fees, optional insurance administrative fees and
all other incidental fees and charges.
Assignment of Mortgage: An assignment of a Mortgage, notice of transfer
or equivalent instrument in recordable form, sufficient under the laws of the
jurisdiction wherein the related Mortgaged Property is located to reflect the
transfer of such Mortgage to the party indicated therein, which assignment,
notice of transfer or equivalent instrument may be in the form of one or more
blanket assignments covering the Securitized Loans secured by Mortgaged
Properties located in the same jurisdiction, if permitted by law.
Balloon Securitized Loan: Any Securitized Loan that by its original
terms or by virtue of any modification provides for an amortization schedule
extending beyond its originally scheduled Maturity Date and which has a final
scheduled payment that is proportionately large in comparison to other scheduled
payments.
Balloon Payment: The final scheduled payment in respect of a Balloon
Securitized Loan.
Business Day: Any day other than (i) a Saturday or Sunday or (ii) a day
on which banking and savings and loan institutions in the States of New York,
Maryland, Minnesota and, with respect to any Trust, the jurisdiction in which
the related Trustee conducts its trust business, are authorized or obligated by
law or executive order to be closed.
Certificates: Any or all of the certificates or other securities issued
pursuant to a Trust Agreement.
Certificate Registrar: The registrar appointed pursuant to the Trust
Agreement.
Closing Date: The actual date of closing of any Pass-Through Transfer,
without regard to the Effective Date thereof.
M-1-3
Code: The Internal Revenue Code of 1986, as it may be amended from time
to time or any successor statute thereto, and applicable U.S. Department of the
Treasury regulations issued pursuant thereto.
Condemnation Proceeds: All awards of settlements in respect of a
Mortgaged Property, whether permanent or temporary, partial or entire, by
exercise of the power of eminent domain or condemnation, to the extent not
required to be released to a Mortgagor in accordance with the terms of the
related Securitized Loan documents.
Conventional Loan: A conventional residential first or second lien
fixed or adjustable rate Securitized Loan that is neither FHA insured nor VA
guaranteed.
Costs: For any Person, any claims, losses, damages, penalties, fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments,
and other costs and expenses of such Person.
Credit Risk Manager: With respect to Securitized Loans covered by a
Trust Agreement, any credit risk manager or loss mitigation advisor under such
Trust Agreement.
Custodial Account: The account created and maintained by the Servicer
pursuant to Section 3.03.
Custodial Agreement: With respect to Securitized Loans covered by a
Trust Agreement, the custodial agreement relating to custody of such Securitized
Loans between a Custodian and the related Trustee, as acknowledged by the
Servicer, dated as of the related Effective Date.
Custodian: A custodian of Securitized Loans under any Custodial
Agreement.
Delinquent: For reporting purposes, a Securitized Loan is "delinquent"
when any payment contractually due thereon has not been made by the close of
business on the Due Date therefor. Such Securitized 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 first due, or, if there is not 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" and the second immediately succeeding month
and "90 days Delinquent" and the third immediately succeeding month.
Determination Date: With respect to each Remittance Date, the 15th day
of the month in which such Remittance Date occurs, or, if such 15th day is not a
Business Day, the immediately preceding Business Day.
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Depositor: With respect to Securitized Loans covered by a Trust
Agreement , the Person to which the Seller transfers Mortgage Loans, or any
successor in interest to such Person, which Person in turn transfers such
Mortgage Loans to a Trustee in a Pass-Through Transfer.
Distressed Securitized Loan: As of any Effective Date, any related
Securitized Loan that was Delinquent in payment for a period of 90 days or more
as of the first calendar day of the month in which such Effective Date occurs,
without giving effect to any grace period permitted by the related Mortgage Note
or for which the Servicer has accepted a deed in lieu of foreclosure. No
Securitized Loan shall be considered delinquent for the purpose of this
definition by virtue of the related Mortgagor having made payment to the prior
servicer.
Due Date: The day of the calendar month on which the Monthly Payment is
due on a Securitized Loan, exclusive of any days of grace. With respect to the
Securitized Loans for which payment from the Mortgagor is due on a day other
than the first day of the calendar month, such Securitized Loans will be treated
as if the Monthly Payment is due on the first day of the immediately succeeding
month.
Due Period: With respect to each Remittance Date, the period commencing
on the second day of the month immediately preceding the month of the Remittance
Date and ending on the first day of the month of the Remittance Date.
Effective Date: The effective date of any Pass-Through Transfer as set
forth in the Transfer Notice.
Eligible Investments: Any one or more of the obligations and securities
listed below which investment provides for a date of maturity not later than the
Determination Date in each month:
(i) direct obligations of, and obligations fully guaranteed as
to timely payment of principal and interest by, the United States of America or
any agency or instrumentality of the United States of America the obligations of
which are backed by the full faith and credit of the United States of America,
including Federal Housing Administration debentures, but excluding any of such
securities whose terms do not provide for a payment of a fixed dollar amount
upon maturity or call for redemption ("Direct Obligations") and Xxxxxxx Mac
senior debt obligations;
(ii) federal funds, or demand and time deposits in,
certificates of deposits of, or bankers' acceptances issued by, any depository
institution or trust company (including U.S. subsidiaries of foreign
depositories, a Trustee, the Master Servicer or any agent of a Trustee or the
Master Servicer, acting in its respective commercial capacity) incorporated or
organized under the laws of the United States of America or any state thereof
and subject to supervision and examination by federal or state banking
authorities, so long as at the time of investment or the contractual commitment
providing for such investment the commercial paper or other short term debt
obligations of such depository institution or trust company (or, in the case of
a depository
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institution or trust company which is the principal subsidiary of a holding
company, the commercial paper or other short term debt or deposit obligations of
such holding company or deposit institution, as the case may be) have been rated
by each related Rating Agency in its highest short-term rating category or one
of its two highest long-term rating categories;
(iii) repurchase agreements collateralized by direct
obligations of, or securities guaranteed by, Xxxxxx Xxx or Xxxxxxx Mac with any
registered broker/dealer subject to Securities Investors' Protection Corporation
jurisdiction or any commercial bank insured by the FDIC, if such broker/dealer
or bank has an uninsured, unsecured and unguaranteed obligation rated by each
related Rating Agency in its highest short-term rating category;
(iv) securities bearing interest or sold at a discount issued
by any corporation incorporated under the laws of the United States of America
or any state thereof which have a credit rating from each related Rating Agency,
at the time of investment or the contractual commitment providing for such
investment, at least equal to one of the two highest long term credit rating
categories of each related Rating Agency; provided, however, that securities
issued by any particular corporation will not be Eligible Investments to the
extent that investment therein will cause the then outstanding principal amount
of securities issued by such corporation and held as part of the Custodial
Account to exceed 20% of the aggregate principal amount of all Eligible
Investments in the Custodial Account; provided, further, that such securities
will not be Eligible Investments if they are published as being under review
with negative implications from any Rating Agency;
(v) commercial paper (including both non-interest-bearing
discount obligations and interest bearing obligations payable on demand or on a
specified date not more than 180 days after the date of issuance thereof) rated
by each related Rating Agency in its highest short-term rating category;
(vi) a Qualified GIC (as defined in the Trust Agreement);
(vii) certificates or receipts representing direct ownership
interests in future interest or principal payments on obligations of the United
States of America or its agencies or instrumentalities (which obligations are
backed by the full faith and credit of the United States of America) held by a
custodian in safekeeping on behalf of the holders of such receipts; and
(viii) any other demand, money market, common trust fund or
time deposit or obligation, or interest bearing or other security or investment,
rated in the highest rating category by each related Rating Agency. Such
investments in this subsection (viii) may include money market mutual funds or
common trust funds, including any fund for which a Trustee, the Master Servicer
or any affiliate thereof serves as an investment advisor, administrator,
shareholder servicing agent, and/or custodian or subcustodian, notwithstanding
that (x) the related Trustee, the Master Servicer or any affiliate thereof
charges and collects fees and expenses from such funds for services rendered,
(y) a Trustee, the Master Servicer or any affiliate thereof charges and
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collects fees and expenses for services rendered pursuant to this Agreement or a
Trust Agreement, and (z) services performed for such funds and pursuant to this
Agreement may converge at any time;
provided, however, that no such instrument shall be an Eligible Investment if
such instrument evidences either (i) a right to receive only interest payments
with respect to the obligations underlying such instrument, or (ii) both
principal and interest payments derived from obligations underlying such
instrument and the principal and 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.
Errors and Omissions Insurance: Errors and Omissions Insurance to be
maintained by the Servicer in accordance with the Master Servicing Guide.
Escrow Account: The separate account or accounts created and maintained
pursuant to Section 3.05.
Escrow Payments: With respect to any Securitized Loan, the amounts
constituting ground rents, taxes, assessments, water rates, sewer rents,
municipal charges, mortgage insurance premiums, fire and hazard insurance
premiums, condominium charges, and any other payments required to be escrowed by
the Mortgagor with the mortgagee pursuant to the Mortgage or any other document.
Event of Default: Any of the events which may result in a termination
for cause set forth in Section 8.01.
Xxxxxx Mae: The Federal National Mortgage Association, or any successor
thereto.
FDIC: The Federal Deposit Insurance Corporation, or any successor
thereto.
FHA: The Federal Housing Administration, an agency within HUD or any
successor thereto and including the Federal Housing Commissioner and the
Secretary of HUD where appropriate under the FHA Regulation.
Fidelity Bond: A fidelity bond to be maintained by the Servicer in
accordance with the Master Servicing Guide.
Fixed Rate Securitized Loan: Any Securitized Loan as to which the
Mortgage Interest Rate set forth in the Mortgage Note is fixed for the term of
such Securitized Loan.
Final Recovery Determination: With respect to any defaulted Securitized
Loan or any REO Property (other than any Securitized Loan or REO Property
repurchased from the Trust), a determination made by the Servicer that all
Insurance Proceeds, Liquidation Proceeds and other
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payments or recoveries which the Servicer, in its reasonable good faith
judgment, expect to be finally recoverable in respect thereof have been so
recovered.
Fitch: Fitch, Inc., or any successor in interest.
Xxxxxxx Mac: The Federal Home Loan Mortgage Corporation, or any
successor thereto.
Xxxxxx Mae: The Government National Mortgage Association, or any
successor thereto.
Holder or Certificateholder: The registered owner of any Certificate as
recorded on the books of the Certificate Registrar provided for in the related
Trust Agreement.
Home Star: As defined in the first paragraph of this Agreement.
Homestar Mortgage Securities Trusts: One or more trusts to be formed by
a Trust Agreement as part of a Pass-Through Transfer, pursuant to each of which
a numbered series of Certificates will be issued.
HUD: The Department of Housing and Urban Development, or any federal
agency or official thereof which may from time to time succeed to the functions
thereof with regard to FHA Mortgage Insurance. The term "HUD," for purposes of
this Agreement, is also deemed to include subdivisions thereof such as the FHA
and Xxxxxx Xxx.
Insurance Proceeds: With respect to each Securitized Loan, proceeds of
insurance policies insuring the Securitized Loan or the related Mortgaged
Property, including, but not limited to, proceeds from any PMI Policy, to the
extent any such proceeds are not to be applied to the restoration and repair of
the related Mortgaged Property or released to the Mortgagor in accordance with
the procedures that the Servicer would follow in servicing mortgage loans for
its own account, subject to the terms and conditions of the related Mortgage
Note and Mortgage.
Issuer: The issuer of any Certificates pursuant to the Trust Agreement.
LIBOR: The three-month London InterBank Offered Rate as published in
the Wall Street Journal on the first Business Day of the month of any Remittance
Date.
Liquidation Proceeds: Cash received in connection with the liquidation
of a defaulted Securitized Loan, whether through the sale or assignment of such
Securitized Loan, trustee's sale, foreclosure sale or otherwise, or the sale of
the related REO Property, if the Mortgaged Property is acquired in satisfaction
of the Securitized Loan.
Master Servicer: With respect to each Trust Agreement, Xxxxx Fargo
Bank, National Association, or any successor in interest, or if any successor
Master Servicer shall be appointed as provided in such Trust Agreement, then
such successor Master Servicer.
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Master Servicing Guide: The Xxxxx Fargo Bank, N.A. Master Servicing
Guide, original dated January, 1997, as amended July, 2001, and all amendments
or additions thereto, including as amended hereby.
MERS: Mortgage Electronic Registration Systems, Inc., a Delaware
corporation, or any successor in interest thereto.
MERS Eligible Securitized Loan: Any Securitized Loan that has been
designated by the Servicer as recordable in the name of MERS, as nominee.
MERS Securitized Loan: Any Securitized Loan as to which the related
Mortgage, or an Assignment of Mortgage, has been or will be recorded in the name
of MERS, as nominee for the holder from time to time of the related Mortgage
Note.
Monthly Advance: With respect to each Remittance Date and each
Securitized Loan, an amount equal to the Monthly Payment (with the interest
portion of such Monthly Payment adjusted to the Securitized Loan Remittance
Rate) that was due on the Securitized Loan, and that was Delinquent at the close
of business on the first day of the month in which such Remittance Date occurs,
but only to the extent that such amount is expected, in the reasonable judgment
of the Servicer, to be recoverable from collections or other recoveries
(including Liquidation Proceeds and Insurance Proceeds) in respect of such
Securitized Loan. To the extent that the Servicer determines that any such
amount is not recoverable from collections or other recoveries in respect of
such Securitized Loan, such determination shall be evidenced by a certificate of
a Servicing Officer delivered to the Master Servicer setting forth such
determination and the procedures and considerations of the Servicer forming the
basis of such determination.
Monthly Payment: The scheduled monthly payment of principal and
interest on a Securitized Loan.
Moody's: Xxxxx'x Investors Service, Inc. or any successor in interest.
Mortgage: The mortgage, deed of trust or other instrument securing a
Mortgage Note, which creates a first or second lien on a fee simple estate in
real property securing the Mortgage Note.
Mortgage Interest Rate: The annual rate of interest borne on a Mortgage
Note net of any Relief Act Reduction.
Mortgage Note: The original, executed note or other evidence of the
indebtedness of a Mortgagor secured by a Mortgage.
Mortgaged Property: The real property securing repayment of the debt
evidenced by a Mortgage Note.
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Mortgagor: The obligor on a Mortgage Note.
Net Sale Proceeds: The proceeds from the sale of REO Property, net of
all expenses and advances incurred by the Servicer in connection with such sale,
including, without limitation, legal fees and expenses, referral fees, brokerage
commissions, conveyance taxes and any other related expense.
Non-MERS Eligible Securitized Loan: Any Securitized Loan other than a
MERS Eligible Securitized Loan.
Non-MERS Securitized Loan: Any Securitized Loan other than a MERS
Securitized Loan.
Officer's Certificate: A certificate signed by the Chairman of the
Board, the President or a vice president (however denominated), and by the
Treasurer, the Secretary, or one of the assistant treasurers or assistant
secretaries of the Servicer, the Master Servicer or the Seller, as applicable.
Opinion of Counsel: A written opinion of counsel, who may be an
employee of the Servicer, reasonably acceptable to the related Trustee, the
Master Servicer, and the Seller, provided that any Opinion of Counsel relating
to qualification of the Securitized Loans in a REMIC or compliance with the
REMIC Provisions must be an opinion of counsel acceptable to the related
Trustee, the Master Servicer, and the Seller, who (i) is in fact independent of
the Seller and the Servicer, (ii) does not have any material direct or indirect
financial interest in either the Seller or the Servicer or any affiliate of any
such entity and (iii) is not connected with either the Seller or the Servicer as
an officer, employee, director or person performing similar functions.
Pass-Through Transfer: The sale or transfer by Home Star of some or all
of the Securitized Loans to a Depositor for transfer to a Trust to be formed as
part of a publicly-issued and/or privately placed, rated or unrated, mortgage
pass-through transaction or similar transaction, in each case in which Home Star
is retained as a Servicer thereunder, with Xxxxx Fargo Bank, National
Association as the Master Servicer.
Person: Any individual, corporation, partnership, limited liability
company, joint venture, association, joint-stock company, trust, unincorporated
organization, government or any agency or political subdivision thereof.
PMI Insurer: Any Qualified Insurer issuing a PMI Policy with respect to
a Securitized Loan.
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PMI Policy: A policy of primary mortgage guaranty insurance issued by a
Qualified Insurer, as required by this Agreement and the Trust Agreement with
respect to certain Securitized Loans.
Prepayment Charge: With respect to any Securitized Loan and Remittance
Date, the charges or premiums, as specified in the Prepayment Charge Schedule,
if any, due in connection with a full or partial prepayment of such Securitized
Loan during the immediately preceding Prepayment Period in accordance with the
terms thereof (but excluding any Servicer Prepayment Charge Payment Amount).
Prepayment Charge Schedule: A data field in the schedule of Securitized
Loans to be attached to the Transfer Notice, the form of which is attached
hereto as Exhibit A, which sets forth the amount of the Prepayment Charge and
the term during which the Prepayment Charge is imposed with respect to a
Securitized Loan.
Prepayment Interest Shortfall Amount: With respect to any Securitized
Loan that was subject to a Principal Prepayment in full or in part during any
Due Period, which Principal Prepayment was applied to such Securitized Loan
prior to such Securitized Loan's Due Date in such Due Period, the amount of
interest that would have accrued on the amount of such Principal Prepayment
during the period commencing on the date as of which such Principal Prepayment
was applied to such Securitized Loan and ending on the day immediately preceding
such Due Date, inclusive.
Prepayment Period: With respect to each Remittance Date and any full or
partial Principal Prepayments, the calendar month immediately preceding the
month in which the related Remittance Date occurs.
Principal Prepayment: Any payment by a Mortgagor of principal (other
than a Balloon Payment) or other recovery of principal on a Securitized Loan
that is recognized as having been received or recovered in advance of its
scheduled Due Date and applied to reduce the principal balance of the
Securitized Loan in accordance with the terms of the Mortgage Note.
Qualified Depository: With respect to each Pass-Through Transfer, any
of (i) a depository the accounts of which are insured by the FDIC (to the limits
established by such corporation) and the debt obligations of which are rated P-1
(or its equivalent) or better by each Rating Agency rating the related
Certificates; or (ii) the corporate trust department of any bank the debt
obligations of which are rated A-2 (or its equivalent) or better by each such
Rating Agency.
Qualified Insurer: A mortgage guaranty insurance company duly
authorized and licensed where required by law to transact mortgage guaranty
insurance business and approved as an insurer by Xxxxxxx Mac and Xxxxxx Mae.
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Qualifying Substitute Mortgage Loan: A mortgage loan permitted under
the terms of a Trust Agreement to be substituted for a related Securitized Loan.
Rating Agency: With respect to Certificates issued by or in connection
with a Trust, any of Fitch, Xxxxx'x or S&P which assigns a rating to such
Certificates, and their successors. If such agencies or their successors are no
longer in existence, "Rating Agencies" shall be such nationally recognized
statistical rating agencies, or other comparable Person, designated by the
Seller, written notice of which designation shall be given to the related
Trustee, the Master Servicer and the Servicer.
Relief Act Reduction: With respect to any Securitized Loan as to which
there has been a reduction in the amount of the interest collectible thereon as
a result of the application of the Servicemembers Civil Relief Act, any amount
by which interest collectible on such Securitized Loan for the Due Date in the
related Due Period is less than the interest accrued thereon for the applicable
one-month period at the Mortgage Interest Rate without giving effect to such
reduction.
REMIC: A "real estate mortgage investment conduit" within the meaning
of Section 860D of the Code.
Remittance Date: The 18th day (or if such 18th day is not a Business
Day, the first Business Day immediately preceding Business Day) of any calendar
month.
REO Disposition: The final sale or other disposition by the Servicer of
any REO Property.
REO Disposition Proceeds: All amounts received with respect to an REO
Disposition pursuant to Section 3.12.
REO Property: A Mortgaged Property acquired by the Servicer on behalf
of the Trust through foreclosure or by deed in lieu of foreclosure pursuant to
Section 3.12 hereof.
Residual Certificate: Any residual certificate or "Class R" Certificate
issued under any Trust Agreement.
S&P: Standard & Poor's Rating Services, a division of The McGraw Hill
Companies, Inc., or any successor in interest.
Securitized Loan: An individual Mortgage Loan that from time to time
becomes subject to this Agreement pursuant to a Pass-Through Transfer, each
Securitized Loan subject to this Agreement being identified on a schedule to the
Transfer Notice, the form of which is attached as Exhibit A hereto, which
Securitized Loan includes without limitation the Securitized Loan documents, the
Monthly Payments, Principal Prepayments, Liquidation Proceeds, Condemnation
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Proceeds, Insurance Proceeds, REO Disposition Proceeds, and all other rights,
benefits, proceeds and obligations arising from or in connection with such
Securitized Loan.
Securitized Loan Remittance Rate: With respect to each Securitized
Loan, the annual rate of interest remitted to the Master Servicer, which shall
be equal to the Mortgage Interest Rate minus the Servicing Fee Rate.
Securitized Loan Schedule: The schedule of Securitized Loans to be
attached to the Transfer Notice, a form of which is attached hereto as Exhibit
A, setting forth information with respect to such Securitized Loans as agreed to
by the Seller, the Servicer and the Master Servicer, including, but not limited
to (i) any MERS identification number (if available) with respect to each MERS
Securitized Loan or MERS Eligible Securitized Loan, (ii) a data field indicating
whether such Securitized Loan is insured under a PMI Policy and identifying the
related Qualified Insurer, (iii) a Prepayment Charge Schedule and (iv) the
Servicing Fee Rate.
Servicer: Home Star or its successor in interest or assigns or any
successor to the Servicer under this Agreement as herein provided.
Servicer Prepayment Charge Payment Amount: The amount payable by the
Servicer in respect of any waived Prepayment Charges pursuant to Section 3.15
hereof.
Servicing Advances: All customary, reasonable and necessary "out of
pocket" costs and expenses other than Monthly Advances (including reasonable
attorneys' fees and disbursements) incurred in the performance by the Servicer
of its servicing obligations, including, but not limited to, the cost of (a) the
preservation, inspection, restoration and protection of the Mortgaged Property,
(b) any enforcement of administrative or judicial proceedings, including
foreclosures, (c) the management and liquidation of the Mortgaged Property
(including costs incurred in connection with environmental inspections or other
related costs of foreclosure of Mortgaged Property potentially contaminated by
hazardous or toxic substance or wastes in accordance with Section 3.12 hereof)
if the Mortgaged Property is acquired in satisfaction of the Mortgage, (d)
taxes, assessments, water rates, sewer rents and other charges which are or may
become a lien upon the Mortgaged Property, and PMI Policy premiums and fire and
hazard insurance coverage and (e) any losses sustained by the Servicer with
respect to the liquidation of the Mortgaged Property.
Servicing Fee: With respect to each Due Period and any Securitized
Loan, an amount equal to one-twelfth the product of (i) the Servicing Fee Rate
and (ii) the Scheduled Balance of such Securitized Loan as of the related
Determination Date. The obligation of the Trustee to pay the Servicing Fee is
limited to, and the Servicing Fee is payable solely from, the interest portion
(including recoveries with respect to interest from Liquidation Proceeds to the
extent permitted by Section 3.02 of this Agreement) of such Monthly Payments
collected by the Servicer, or as otherwise provided under this Agreement, and
the Servicing Fee is subject to reduction for compensating interest under
Section 4.04 hereof.
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Servicing Fee Rate: The servicing fee rate, stated as either a number
of basis points or as a percentage, for each Securitized Loan, as reflected in
the schedule of Securitized Loans to be attached to the Transfer Notice, the
form of which is attached hereto as Exhibit A.
Servicing File: The items pertaining to a particular Securitized Loan
including, but not limited to, the computer files, data disks, books, records,
data tapes, notes, and all additional documents generated as a result of or
utilized in originating and/or servicing each Securitized Loan, which are held
in trust for the related Trust by the Servicer.
Servicing Officer: Any officer of the Servicer involved in or
responsible for, the administration and servicing of the Securitized Loans whose
name appears on a list of servicing officers furnished by the Servicer to the
Master Servicer upon request, as such list may from time to time be amended.
Sub-Servicer: Cenlar FSB, a federal savings bank, pursuant to the
Sub-Servicing Agreement, or its successor in interest.
Sub-Servicing Agreement: That certain Sub-Servicing Acknowledgment
Agreement of even date with this Agreement, by and between the Servicer and the
Sub-Servicer.
Superseded Sub-Servicing Agreement: That certain Sub-Servicing
Agreement, dated as of [March 1, 2004], by and between Home Star and the
Sub-Servicer.
Transfer Notice: The Transfer Notice referred to in Section 2.01
hereof, in the form attached hereto as Exhibit A.
Trust: The trust established by the Trust Agreement, the assets of
which consist of the transferred Securitized Loans and any other assets provided
for in the related Trust Agreement.
Trust Agreement: Any trust agreement, pooling and servicing agreement,
indenture or comparable documents by and among some or all of the Issuer, the
Master Servicer, the Depositor and a Trustee (and which may include other
parties) creating a Trust and/or otherwise effectuating a Pass-Through Transfer.
Trustee: Any trustee or trust with respect to the transferred
Securitized Loans in any Pass-Through Transfer, or any successor in interest, or
if any successor trustee or co-trustee shall be appointed as provided in the
Trust Agreement, then such successor trustee or such co-trustee, as the case may
be.
VA: The Veterans Administration, an agency of the United States of
America, or any successor thereto, including the Administration of Veterans
Affairs.
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ANY CAPITALIZED TERMS USED AND NOT DEFINED IN THIS AGREEMENT SHALL HAVE
THE MEANINGS ASCRIBED TO SUCH TERMS IN THE RELATED TRUST AGREEMENT SPECIFIED IN
THE TRANSFER NOTICE.
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ARTICLE II.
PASS- THROUGH TRANSFERS; SELLER'S ENGAGEMENT OF SERVICER TO
PERFORM SERVICING RESPONSIBILITIES
Section 2.01 Pass-Through Transfers.
(a) The Seller and the Servicer agree that from time to time the Seller
shall effect the sale or transfer of some or all of the Mortgage Loans to a
Trust to be formed as part of a Pass-Through Transfer. The Servicer shall
cooperate with the Seller in connection with any Pass-Through Transfer
contemplated by the Seller pursuant to this Section 2.01, including without
limitation providing requested information and reports to, and otherwise
cooperating with, any Credit Risk Manager. In connection therewith, the Servicer
shall provide to the Seller and any Trustee, Trust, Depositor, underwriter,
initial purchaser, NIMs Insurer or Credit Risk Manager in connection with a
Pass-Through Transfer, as the case may be: (i) any and all information and
appropriate verification of information which may be reasonably available to the
Servicer, including the Servicer's foreclosure, delinquency experience and the
Servicer's underwriting standards, whether through letters of its auditors and
counsel or otherwise, as such parties shall reasonably request; and (ii) such
additional representations, warranties, covenants, opinions of counsel, letters
from auditors, and certificates of public officials or officers of the Servicer
as are reasonably believed necessary by the Seller and any Trustee, Trust,
Depositor, underwriter, initial purchaser, NIMs Insurer or Credit Risk Manager,
as the case may be, in connection with such Pass-Through Transfer. The Servicer
shall indemnify the Depositor for any material misstatements or omissions or
alleged material misstatements or omissions contained in the information
provided pursuant to this Section 2.01(a). The Seller shall provide the Servicer
with a Transfer Notice with respect to any such Pass-Through Transfer, including
a schedule of Mortgage Loans which have been transferred, the Effective Date of
the Pass-Through Transfer and the name and address of the related Trustee. Upon
the Effective Date of such a Pass-Through Transfer, (A) the Servicer and the
Seller agree that the provisions of this Agreement shall go into effect with
respect to the Securitized Loans to which the Transfer Notice relates, and (B)
the Servicer agrees to recognize the Trustee and Trust with respect to the
transferred Mortgage Loans in the Pass-Through Transfer, or the Master Servicer
acting on their behalf, as having the same rights under this Agreement as the
Seller with respect to such transferred Mortgage Loans, including without
limitation the right to terminate the Servicer under this Agreement.
Section 2.02 Contract for Servicing; Possession of Servicing Files.
The Seller, by execution and delivery of this Agreement, does hereby
contract with the Servicer, subject to the terms of this Agreement, for the
servicing of the Securitized Loans. On or before each Closing Date, the Seller
shall cause to be delivered to the Servicer or to the Sub-Servicer the Servicing
Files with respect to the Securitized Loans listed in the schedule attached to
the applicable Transfer Notice. Each Servicing File delivered to the Servicer
shall be
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held in trust by the Servicer for the benefit of the Trust; provided, however,
that the Servicer shall have no liability for any Servicing Files (or portions
thereof) not delivered by the Seller. The Servicer's possession of any portion
of the Securitized Loan documents shall be on behalf of the Trust for the sole
purpose of facilitating servicing of the related Securitized Loan pursuant to
this Agreement, and such retention and possession by the Servicer shall be in a
custodial capacity only. The ownership of each Mortgage Note, Mortgage, and the
contents of the Servicing File shall be vested in the Trust and the ownership of
all records and documents with respect to the related Securitized Loan prepared
by or which come into the possession of the Servicer shall immediately vest in
the Trust and shall be retained and maintained, in trust, by the Servicer on
behalf of the Trust in such custodial capacity only. The portion of each
Servicing File retained by the Servicer pursuant to this Agreement shall be
segregated from the other books and records of the Servicer and shall be
appropriately marked to clearly reflect the ownership of the related Securitized
Loan by the Trust. The Servicer shall release from its custody the contents of
any Servicing File retained by it only in accordance with this Agreement.
Section 2.03 Books and Records.
(a) Subject to Section 3.01(a) hereof, as soon as practicable after the
Closing Date or the date on which a Qualifying Substitute Mortgage Loan is
delivered pursuant to a Trust Agreement, as applicable (but in no event more
than 90 days thereafter except to the extent delays are caused by the applicable
recording office), the Servicer, at the expense of the Seller, shall cause the
Mortgage or Assignment of Mortgage, as applicable, with respect to each related
MERS Eligible Securitized Loan, to be properly recorded in the name of MERS in
the public recording office in the applicable jurisdiction, or shall ascertain
that such have previously been so recorded.
(b) Subject to Section 3.01(a) hereof, an Assignment of Mortgage in
favor of the Trustee on behalf of the Trust shall be recorded as to each
Non-MERS Securitized Loan, unless instructions to the contrary are delivered to
the Servicer, in writing, by the Trustee, or the Servicer obtains an Opinion of
Counsel that recordation of such Assignment of Mortgage is not required. Subject
to the preceding sentence, as soon as practicable after the Closing Date (but in
no event more than 90 days thereafter except to the extent delays are caused by
the applicable recording office), the Servicer, at the expense of the Seller,
shall cause such related Assignment of Mortgage to be properly recorded in each
public recording office where such Non-MERS Eligible Securitized Loans are
recorded, unless the Servicer obtains an Opinion of Counsel that recordation of
such an Assignment of Mortgage is not required.
(c) Additionally, the Servicer shall prepare and execute, at the
direction of the Trustee, any note endorsements relating to any of the related
Non-MERS Securitized Loans.
(d) All rights arising out of the Securitized Loans shall be vested in
the related Trust, subject to the Servicer's right to service and administer the
Securitized Loans hereunder in accordance with the terms of this Agreement. All
funds received on or in connection with a
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Securitized Loan, other than the Servicing Fee and other compensation to which
the Servicer is entitled as set forth herein, including but not limited to that
compensation as set forth in Section 5.01 below, shall be received and held by
the Servicer in trust for the benefit of the related Trust pursuant to the terms
of this Agreement.
(e) Any out-of-pocket costs incurred by the Servicer pursuant to this
Section 2.03 and Section 3.01(a), including any recording or other fees in
connection with the Servicer's obtaining the necessary powers of attorney (and
which are specified herein to be an expense of the Seller), shall be reimbursed
to the Servicer by the Seller within five (5) Business Days of receipt by the
Seller of an invoice for reimbursement. The Trust shall not reimburse the Seller
for any such reimbursement to the Servicer.
ARTICLE III.
SERVICING OF THE SECURITIZED LOANS
Section 3.01 Servicer to Service.
The Servicer, as an independent contractor, shall service and
administer the Securitized Loans from and after the Closing Date and shall have
full power and authority, acting alone, to do any and all things in connection
with such servicing and administration which the Servicer may deem necessary or
desirable, consistent with the terms of this Agreement and with Accepted
Servicing Practices. The Servicer may designate the sub-servicer to perform the
obligations hereunder, provided that such designation shall not relieve the
Servicer of such obligations.
The Seller and the Servicer additionally agree as follows:
(a) The Servicer shall (A) record or cause to be recorded the Mortgage
or the Assignment of Mortgage, as applicable, with respect to all MERS Eligible
Securitized Loans, in the name of MERS, or shall ascertain that such have
previously been so recorded; (B) prepare or cause to be prepared all Assignments
of Mortgage with respect to all Non-MERS Eligible Securitized Loans; (C) prepare
for recording or cause to be recorded, subject to Section 2.03(b) hereof, all
Assignments of Mortgage with respect to Non-MERS Securitized Loans in the name
of the related Trust; (D) pay the recording costs pursuant to Section 2.03
hereof; and/or (E) track such Mortgages and Assignments of Mortgage to ensure
they have been recorded. The Servicer shall be entitled to be paid by the Seller
its out-of-pocket costs for the preparation and recordation of the Mortgages and
Assignments of Mortgage. After the expenses of such recording costs pursuant to
Section 2.03 hereof shall have been paid by the Servicer, the Servicer shall
submit to the Seller a reasonably detailed invoice for reimbursement of
recording costs it incurred hereunder.
(b) If applicable, the Servicer shall, in accordance with the relevant
provisions of the Xxxxxxxx-Xxxxxxxx National Affordable Housing Act of 1990, as
the same may be amended from
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time to time, and the regulations provided in accordance with the Real Estate
Settlement Procedures Act, provide notice to the Mortgagor of each Securitized
Loan of the transfer of the servicing thereto to the Servicer.
(c) The Servicer shall be responsible for the preparation of and costs
associated with notifications to Mortgagors of the assumption of servicing by
the Servicer.
Consistent with the terms of this Agreement and except as provided in
Section 3.15 hereof, the Servicer may waive any late payment charge, assumption
fee or other fee (other than a Prepayment Charge) that may be collected in the
ordinary course of servicing the Securitized Loans. The Servicer shall not make
any future advances to any Mortgagor under any Securitized Loan, and (unless the
Mortgagor is in default with respect to the Securitized Loan or such default is,
in the judgment of the Servicer, reasonably foreseeable) the Servicer shall not
permit any modification of any material term of any Securitized Loan, including
any modification that would change the Mortgage Interest Rate, defer or forgive
the payment of principal or interest, reduce or increase the outstanding
principal balance (except for actual payments of principal) or change the final
maturity date on such Securitized Loan. The NIMs Insurer's prior written consent
shall be required for any modification, waiver or amendment if the aggregate
number of outstanding Securitized Loans which have been modified, waived or
amended exceeds 5% of the number of Securitized Loans in the related Trust as of
the Effective Date. In the event of any such modification which permits the
deferral of interest or principal payments on any Securitized Loan, the Servicer
shall, on the Business Day immediately preceding the Remittance Date in any
month in which any such principal or interest payment has been deferred, make a
Monthly Advance in accordance with Section 4.03, in an amount equal to the
difference between (a) such month's principal and one month's interest at the
Securitized Loan Remittance Rate on the unpaid principal balance of such
Securitized Loan and (b) the amount paid by the Mortgagor. The Servicer shall be
entitled to reimbursement for such advances to the same extent as for all other
advances made pursuant to Section 4.03. The Servicer may permit modifications to
a Securitized Loan, with the consent of the NIMs Insurer, which are authorized
by the express terms of either an allonge to the related Mortgage Note or an
addendum to the related Mortgage in existence as of the Effective Date. If Home
Star wishes to make a modification to a Securitized Loan which is not permitted
under this Section 3.01, then Home Star must repurchase such Securitized Loan
from the related Trust on the terms and conditions provided in the Trust
Agreement. Without limiting the generality of the foregoing, the Servicer shall
continue, and is hereby authorized and empowered, to execute and deliver on
behalf of itself and the related Trust, all instruments of satisfaction or
cancellation, or of partial or full release, discharge and all other comparable
instruments, with respect to the Securitized Loans and with respect to the
Mortgaged Properties. Upon the written request of the Servicer, the Trustee
shall execute and deliver to the Servicer, within the later of fifteen days from
the Closing Date or within fifteen days of such Servicer request, any powers of
attorney (one for each county in which any of the Mortgaged Properties are
located) and other documents, furnished to it by the Servicer and reasonably
satisfactory to the Trustee, necessary or appropriate to enable the Servicer to
carry out its servicing and administrative duties under this Agreement.
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Notwithstanding anything in this Agreement to the contrary, the
Servicer (a) shall not permit any modification with respect to any Mortgage Loan
that would change the Mortgage Interest Rate and (b) shall not (unless the
Mortgagor is in default with respect to the Mortgage Loan or such default is, in
the judgment of the Servicer, reasonably foreseeable) make or permit any
modification, waiver or amendment of any term of any Mortgage Loan that would
both (i) effect an exchange or reissuance of such Mortgage Loan under Section
1001 of the Code (or Treasury regulations promulgated thereunder) and (ii) cause
the Trust Fund to fail to qualify as a REMIC under the Code or the imposition of
any tax on "prohibited transactions" or "contributions" after the startup date
under the REMIC Provisions.
Prior to taking any action with respect to the Mortgage Loans which is
not contemplated under the terms of this Agreement, the Servicer will obtain an
Opinion of Counsel acceptable to the NIMs Insurer and the Trustee or the Master
Servicer on its behalf with respect to whether such action could result in the
imposition of a tax upon the REMIC (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) (either
such event, an "Adverse REMIC Event"), and the Servicer shall not take any such
action or cause the Trust Fund to take any such action as to which it has been
advised that an Adverse REMIC Event could occur.
The Servicer shall not permit the creation of any "interests" (within
the meaning of Section 860G of the Code) in the REMIC. The Servicer shall not
enter into any arrangement by which the REMIC will receive a fee or other
compensation for services nor permit the REMIC 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.
Section 3.02 Collection of Securitized Loan Payments.
Continuously from the Closing Date until the date each Securitized Loan
ceases to be subject to this Agreement, the Servicer shall proceed diligently to
collect all payments due under each of the Securitized Loans when the same shall
become due and payable and shall take special care in ascertaining and
estimating Escrow Payments and all other charges that will become due and
payable with respect to the Securitized Loans and each related Mortgaged
Property, to the end that the installments payable by the Mortgagors will be
sufficient to pay such charges as and when they become due and payable.
Section 3.03 Establishment of and Deposits to Custodial Account.
(a) The Servicer shall segregate and hold all funds collected and
received pursuant to the Securitized Loans separate and apart from any of its
own funds and general assets and shall establish and maintain for each related
Trust a Custodial Account, in the form of a time deposit or demand account,
titled "Home Star Mortgage Services, LLC in trust for [Name of Trust]." The
Custodial Account shall be established with a Qualified Depository. Any funds
deposited in
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the Custodial Account may be invested in Eligible Investments subject to the
provisions of Section 3.11 hereof. Funds deposited in the Custodial Account may
be drawn on by the Servicer in accordance with Section 3.04 hereof. The creation
of the Custodial Account shall be evidenced by a letter agreement in the form of
Exhibit B. A copy of such letter agreement shall be furnished to each Trustee,
each NIMS Insurer and the Master Servicer. The NIMs Insurer and the Trustee
shall also be notified of any change in the location of the Custodial Account.
(b) The Servicer shall deposit in the Custodial Account on a daily
basis, and retain therein, the following collections received by the Servicer
and payments made by the Servicer after the Closing Date:
(i) all payments on account of principal received on the
Securitized Loans, including all Principal Prepayments;
(ii) all payments on account of interest received on the
Securitized Loans adjusted to the applicable Securitized Loan Remittance Rate;
(iii) all Prepayment Charges received or any Servicer
Prepayment Charge Payment Amounts to be paid by the Servicer to the related
Trust;
(iv) all Liquidation Proceeds;
(v) all Insurance Proceeds (other than any amounts immediately
applied to the restoration or repair of the Mortgaged Property or immediately
released to the Mortgagor);
(vi) all Condemnation Proceeds that are not applied to the
restoration or repair of the Mortgaged Property or released to the Mortgagor;
(vii) any Prepayment Interest Shortfall Amount required to be
paid by the Servicer pursuant to Section 4.04;
(viii) all Monthly Advances made by the Servicer or an
Advancing Person pursuant to Section 4.03;
(ix) any amounts required to be deposited by the Servicer in
connection with the deductible clause in any blanket hazard insurance policy;
(x) any amounts received with respect to or related to any REO
Property or REO Disposition Proceeds;
(xi) any amounts required to be deposited pursuant to Section
3.11 in connection with any losses realized on Eligible Investments with respect
to funds held in the Custodial Account;
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(xii) any amounts required to be deposited by the Servicer
pursuant to Section 3.16(a) in connection with any unpaid claims that are a
result of a breach by the Servicer or any sub-servicer of its obligations
hereunder or under a PMI Policy;
(xiii) any amounts received by it under any PMI Policy; and
(xiv) any other amount required hereunder to be deposited by
the Servicer in the Custodial Account.
Notwithstanding the foregoing clause (viii), no Monthly Advances or
Servicing Advances shall be required to be made by the Servicer if such Monthly
Advance or Servicing Advance would, if made, be, in the Servicer's reasonable
judgment, nonrecoverable. The determination by the Servicer that it has made a
nonrecoverable Monthly Advance or Servicing Advance, or that any proposed
Monthly Advance or Servicing Advance would be a nonrecoverable advance, shall be
evidenced by an Officer's Certificate of the Servicer delivered to the Master
Servicer and the NIMs Insurer.
The foregoing requirements for deposit into the Custodial Account shall
be exclusive, it being understood and agreed that, without limiting the
generality of the foregoing, payments in the nature of (i) late payment charges,
penalty interest and insufficient fund charges, (ii) assumption and modification
fees, (iii) other Ancillary Income and (iv) the Servicing Fee need not be
deposited by the Servicer into the Custodial Account.
Any interest paid on funds deposited in the Custodial Account by the
depository institution shall accrue to the benefit of the Servicer as additional
servicing compensation and the Servicer shall be entitled to retain and withdraw
such interest from the Custodial Account pursuant to Section 3.04 of this
Agreement. Additionally, any other benefit derived from the Custodial Account
associated with the receipt, disbursement and accumulation of principal,
interest, taxes, hazard insurance, mortgage insurance, etc. shall accrue for the
benefit of the Servicer.
Section 3.04 Permitted Withdrawals From Custodial Account.
The Servicer shall, from time to time, withdraw funds from the
Custodial Account for the following purposes:
(i) to make payments to the Master Servicer in the amounts and
in the manner provided for in Section 4.01;
(ii) in the event the Servicer has elected not to retain the
Servicing Fee out of any Mortgagor payments on account of interest or other
recovery of interest with respect to a particular Securitized Loan (including
late collections of interest on such Securitized Loan, or interest portions of
Insurance Proceeds, Liquidation Proceeds or Condemnation Proceeds) prior
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to the deposit of such Mortgagor payment or recovery in the Custodial Account,
to pay to itself the related Servicing Fee from all such Mortgagor payments on
account of interest or other such recovery for interest with respect to that
Securitized Loan;
(iii) to pay itself investment earnings on funds deposited in
the Custodial Account;
(iv) to transfer funds to another Qualified Depository in
accordance with Section 3.11 hereof;
(v) to invest funds in certain Eligible Investments in
accordance with Section 3.11 hereof;
(vi) to reimburse itself to the extent of funds held in the
Custodial Account for Monthly Advances of the Servicer's funds made pursuant to
Section 4.03. The Servicer's right to reimburse itself pursuant to this
subclause (vi) with respect to any Securitized Loan shall be limited to amounts
received on or in respect of the related Securitized Loan which represent late
recoveries of payments of principal or interest with respect to which a Monthly
Advance was made, it being understood that in the case of any such reimbursement
the Servicer's right thereto shall be prior to the rights of the related Trust;
provided, however, that following the final liquidation of a Securitized Loan,
the Servicer may reimburse itself for previously unreimbursed Monthly Advances
in excess of Liquidation Proceeds or Insurance Proceeds with respect to such
Securitized Loan from any funds in the Custodial Account relating to Securitized
Loans in the same Trust, it being understood, in the case of any such
reimbursement, that the Servicer's right thereto shall be prior to the rights of
the related Trust. The Servicer may recover at any time from amounts on deposit
in the Custodial Account with respect to Securitized Loans in the same Trust the
amount of any Monthly Advances that the Servicer deems nonrecoverable or that
remain unreimbursed to the Servicer from related Liquidation Proceeds after the
final liquidation of the related Securitized Loan. In addition, the Servicer
may, at any time, withdraw from the Custodial Account funds that are held for
future distribution (i.e., were not included in the principal and interest for
the preceding Remittance Date) to reimburse itself for Monthly Advances
previously made by the Servicer;
(vii) to reimburse itself for unreimbursed Servicing Advances,
and for any unpaid Servicing Fees, the Servicer's right to reimburse itself
pursuant to this subclause (vii) with respect to any Securitized Loan being
limited to related Liquidation Proceeds, Condemnation Proceeds, Insurance
Proceeds, REO Disposition Proceeds and other amounts received in respect of the
related REO Property, and such other amounts as may be collected by the Servicer
from the Mortgagor or otherwise relating to the Securitized Loan, it being
understood that, in the case of any such reimbursement, the Servicer's right
thereto shall be prior to the rights of the related Trust;
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(viii) to reimburse the Servicer for expenses incurred by, and
reimbursable to, the Servicer pursuant to Section 6.03, but only to extent such
amounts are determined to be reimbursable by the related Trust pursuant to
Section 6.03;
(ix) to reimburse itself for expenses incurred or reimbursable
to the Servicer pursuant to Section 3.12 from funds with respect to Securitized
Loans in the same Trust to the extent not previously reimbursed under clause
(vii) of this Section 3.04;
(x) to withdraw funds with respect to Securitized Loans in the
same Trust necessary for the operation, management and maintenance of any REO
related property to the extent not previously reimbursed under clause (vii) of
this Section 3.04;
(xi) to withdraw any funds deposited to the Custodial Account
in error; and,
(xii) to clear and terminate the Custodial Account upon the
termination of this Agreement;
(xiii) to reimburse the Trustee or the NIMs Insurer for
enforcement expenses incurred in respect of a breach of a representation or
warranty.
Section 3.05 Establishment of and Deposits to Escrow Account.
The Servicer shall segregate and hold all funds collected and received
pursuant to a Securitized Loan constituting Escrow Payments separate and apart
from any of its own funds and general assets and shall establish and maintain an
Escrow Account, in the form of a time deposit or demand account, titled "Home
Star Mortgage Services, LLC in trust for one or more Homestar Mortgage
Securities Trusts." The Escrow Account shall be established with a Qualified
Depository in a manner that shall provide maximum available insurance
thereunder. Funds deposited in the Escrow Account may be drawn on by the
Servicer in accordance with Section 3.06. The creation of the Escrow Account
shall be evidenced by a letter agreement in the form of Exhibit C. A copy of
such certification or letter agreement shall be furnished to each Trustee and
the Master Servicer.
The Servicer shall deposit in the Escrow Account or Accounts on a daily
basis, and retain therein:
(i) all Escrow Payments collected on account of the
Securitized Loans, for the purpose of effecting timely payment of any such items
as required under the terms of this Agreement; and
(ii) all amounts representing Insurance Proceeds or
Condemnation Proceeds that are to be applied to the restoration or repair of any
Mortgaged Property.
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The Servicer shall make withdrawals from the Escrow Account only to
effect such payments as are required under this Agreement, as set forth in
Section 3.06. The Servicer shall retain any interest paid on funds deposited in
the Escrow Account by the depository institution, other than interest on
escrowed funds required by law to be paid to the related Mortgagor.
Additionally, any other benefit derived from the Escrow Account associated with
the receipt, disbursement and accumulation of principal, interest, taxes, hazard
insurance, mortgage insurance, etc. shall accrue to the Servicer. To the extent
required by law, the Servicer shall pay interest on escrowed funds to the
related Mortgagor notwithstanding that the Escrow Account may be non-interest
bearing or that interest paid thereon is insufficient for such purposes.
Section 3.06 Permitted Withdrawals From Escrow Account.
Withdrawals from the Escrow Account or Accounts may be made by the
Servicer only:
(i) to effect payments of ground rents, taxes, assessments,
water rates, sewer rents, mortgage insurance premiums, condominium charges, fire
and hazard insurance premiums or other items constituting Escrow Payments for
the related Mortgage;
(ii) to refund to any related Mortgagor any funds found to be
in excess of the amounts required under the terms of the related Securitized
Loan;
(iii) as permitted by applicable state law, for transfer to
the Custodial Account and application to reduce the principal balance of the
related Securitized Loan in accordance with the terms of the related Mortgage
and Mortgage Note;
(iv) for application to restore or repair the related
Mortgaged Property in accordance with the Master Servicing Guide;
(v) to pay to the Servicer, or the related Mortgagor to the
extent required by law, any interest paid on the funds with respect to a
Securitized Loan deposited in the Escrow Account; and
(vi) to reimburse itself for any Servicing Advances made with
respect to Escrow Payments for a Securitized Loan or the related Mortgaged
Properties, but only from amounts received on the related Securitized Loan which
represent late collections of Escrow Payments thereunder;
(vii) to withdraw any funds deposited into the Escrow Account
in error; and
(viii) to clear and terminate the Escrow Account on the
termination of this Agreement.
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The Servicer will be responsible for the administration of the Escrow
Accounts and will be obligated to make Servicing Advances to the Escrow Account
in respect of its obligations under this Section 3.06, reimbursable from the
Escrow Accounts or Custodial Account to the extent not collected from a
Mortgagor, anything to the contrary notwithstanding, when and as necessary to
avoid the lapse of insurance coverage on the related Mortgaged Property, or
which the Servicer knows, or in the exercise of the required standard of care of
the Servicer hereunder should know, is necessary to avoid the loss of such
Mortgaged Property due to a tax sale or the foreclosure as a result of a tax
lien. If any such payment has not been made and the Servicer receives notice of
a tax lien with respect to such Mortgaged Property being imposed, the Servicer
will, within ten (10) Business Days of such notice, advance or cause to be
advanced funds necessary to discharge such lien on such Mortgaged Property.
Section 3.07 Restoration of Mortgaged Property.
The Servicer need not obtain the approval of the Master Servicer prior
to releasing any Insurance Proceeds or Condemnation Proceeds to the Mortgagor to
be applied to the restoration or repair of the related Mortgaged Property if
such release is in accordance with Accepted Servicing Practices. At a minimum,
with respect to claims of $10,000 or more, the Servicer shall comply with the
following conditions in connection with any such release of Insurance Proceeds
or Condemnation Proceeds:
(i) the Servicer shall receive satisfactory independent
verification of completion of repairs and issuance of any required approvals
with respect thereto;
(ii) the Servicer shall take all steps necessary to preserve
the priority of the lien of the Mortgage, including, but not limited to
requiring waivers with respect to mechanics' and materialmen's liens.
(iii) the Servicer shall verify that the Securitized Loan is
not 60 or more days delinquent; and
(iv) pending repairs or restoration, the Servicer shall place
the Insurance Proceeds or Condemnation Proceeds in the Escrow Account.
With respect to claims of less than $10,000, the Servicer shall comply
with the following conditions in connection with any such release of Insurance
Proceeds or Condemnation Proceeds:
(v) the related Mortgagor shall provide an affidavit verifying
the completion of repairs and issuance of any required approvals with respect
thereto;
(vi) the Servicer shall verify the total amount of the claim
with the applicable insurance company; and
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(vii) pending repairs or restoration, the Servicer shall place
the Insurance Proceeds or Condemnation Proceeds in the Escrow Account.
If the Trustee is named as an additional loss payee, the Servicer is
hereby empowered to endorse any loss draft issued in respect of such a claim in
the name of the related Trust.
Section 3.08 Fidelity Bond and Errors and Omissions Insurance.
The Servicer shall keep in force and shall cause each sub-servicer to
keep in force during the term of this Agreement a Fidelity Bond and Errors and
Omissions Insurance the minimum coverage of which shall be at least equal to the
coverage required by the Master Servicer in the Master Servicing Guide (unless a
waiver of such requirement has been obtained by the Servicer from the Master
Servicer and NIMs Insurer). Such Fidelity Bond and Errors and Omissions
Insurance shall be maintained with recognized insurers, shall be in such form
and amount as would permit the Servicer to be qualified with the Master Servicer
as a servicer, and shall by its terms not be cancelable without thirty days'
prior written notice to the Trustee, the NIMs Insurer and the Master Servicer.
The Servicer and each sub-servicer shall be deemed to have complied with this
provision if an affiliate of the Servicer has such errors and omissions and
fidelity bond coverage and, by the terms of such insurance policy or fidelity
bond, the coverage afforded thereunder extends to the Servicer. The Servicer
shall furnish and shall cause each sub-servicer to furnish to the Trustee, each
NIMs Insurer (upon reasonable request) and the Master Servicer a copy of each
such bond and insurance policy upon their request.
Section 3.09 Notification of Adjustments.
With respect to each Adjustable Rate Securitized Loan, the Servicer
shall adjust the Mortgage Interest Rate on the related interest rate adjustment
date and shall adjust the Monthly Payment on the related mortgage payment
adjustment date, if applicable, in compliance with the requirements of
applicable law and the related Mortgage and Mortgage Note. The Servicer shall
execute and deliver any and all necessary notices required under applicable law
and the terms of the related Mortgage Note and Mortgage regarding the Mortgage
Interest Rate and Monthly Payment adjustments. The Servicer shall promptly, upon
written request therefor, deliver to the Master Servicer such notifications and
any additional applicable data regarding such adjustments and the methods used
to calculate and implement such adjustments. Upon the discovery by the Servicer
or the receipt of notice from the Master Servicer that the Servicer has failed
to adjust a Mortgage Interest Rate or Monthly Payment in accordance with the
terms of the related Mortgage Note, the Servicer shall immediately deposit in
the Custodial Account from its own funds the amount of any interest loss or
deferral caused thereby and shall indemnify the Trust in respect of any
liability as a result of such shortfall.
Section 3.10 Payment of Taxes, Insurance and Other Charges.
M-1-27
With respect to each Securitized Loan, the Servicer shall maintain
accurate records reflecting the status of ground rents, taxes, assessments,
water rates and other charges which are or may become a lien upon the Mortgaged
Property and the status of fire and hazard insurance coverage and shall obtain,
from time to time, all bills for the payment of such charges (including renewal
premiums) and shall effect payment thereof prior to the applicable penalty or
termination date and at a time appropriate for securing maximum discounts
allowable, employing for such purpose deposits of the Mortgagor in the Escrow
Account which shall have been estimated and accumulated by the Servicer in
amounts sufficient for such purposes, as allowed under the terms of the Mortgage
or applicable regulations. The Servicer assumes full responsibility for the
payment of all such bills and shall effect payments of all such bills
irrespective of the Mortgagor's faithful performance in the payment of same or
the making of the Escrow Payments and shall make advances from its own funds to
effect such payments. The Servicer shall employ Accepted Servicing Practices to
ensure that the related Mortgaged Property is not subjected to a tax lien as a
result of nonpayment and that such Mortgaged Property is not left uninsured.
Section 3.11 Protection of Accounts.
The Servicer may transfer the Custodial Account or the Escrow Account
to a different Qualified Depository from time to time. The Servicer shall give
written notice to the Trustee and the NIMs Insurer and the Master Servicer of
the location of the Custodial Account maintained by it with respect to the
Securitized Loans when established and prior to any change thereof.
The Servicer shall bear any expenses, losses or damages sustained by
the Trustee or the Master Servicer if the Custodial Account and/or the Escrow
Account are not demand deposit accounts.
Amounts on deposit in the Custodial Account and the Escrow Account may
at the option of the Servicer be invested in Eligible Investments; provided that
in the event that amounts on deposit in the Custodial Account or the Escrow
Account exceed the amount fully insured by the FDIC (the "Insured Amount"), the
Servicer shall be obligated to invest the excess amount over the Insured Amount
in Eligible Investments on the same Business Day as such excess amount becomes
present in the Custodial Account or the Escrow Account. Any such Eligible
Investment shall mature no later than the Business Day immediately preceding the
related Remittance Date or other date on which funds are needed to be disbursed.
Any such Eligible Investment shall be made in the name of the Servicer in trust
for the benefit of one or more Homestar Mortgage Securities Trusts, as their
interests may appear. All income on or gain realized from any such Eligible
Investment shall be for the benefit of the Servicer and may be withdrawn at any
time by the Servicer. Any losses incurred in respect of any such investment
shall be deposited in the Custodial Account or the Escrow Account by the
Servicer out of its own funds immediately as realized.
Section 3.12 Title, Management and Disposition of REO Property.
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In the event that title to any Mortgaged Property is acquired in
foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale
shall be taken in the name of the related Trust, or in the event the related
Trust is not authorized or permitted to hold title to real property in the state
where the REO Property is located, or would be adversely affected under the
"doing business" or tax laws of such state by so holding title, the deed or
certificate of sale shall be taken in the name of such Person or Persons as
shall be consistent with an Opinion of Counsel obtained by the Servicer from any
attorney duly licensed to practice law in the state where the REO Property is
located. The Person or Persons holding such title other than the related Trust
shall acknowledge in writing that such title is being held as nominee for the
related Trust.
The Servicer shall manage, conserve, protect and operate each REO
Property for the related Trust solely for the purpose of its prompt disposition
and sale. The Servicer, either itself or through an agent selected by the
Servicer, shall manage, conserve, protect and operate such REO Property in the
same manner that it manages, conserves, protects and operates other foreclosed
property for its own account, and in the same manner that similar property in
the same locality as the REO Property is managed. The Servicer shall attempt to
sell the same (and may temporarily rent the same for a period not greater than
one year, except as otherwise provided below) on such terms and conditions as
the Servicer deems to be in the best interest of the related Trust.
Notwithstanding anything to the contrary contained in this Section
3.12, in connection with a foreclosure or acceptance of a deed in lieu of
foreclosure, in the event the Servicer has reasonable cause to believe that a
Mortgaged Property is contaminated by hazardous or toxic substances or wastes,
or if the Master Servicer otherwise requests, an environmental inspection or
review of such Mortgaged Property to be conducted by a qualified inspector shall
be arranged by the Servicer. Upon completion of the inspection, the Servicer
shall provide the Master Servicer and the NIMs Insurer with a written report of
such environmental inspection. In the event that the environmental inspection
report indicates that the Mortgaged Property is contaminated by hazardous or
toxic substances or wastes, the Servicer shall not proceed with foreclosure or
acceptance of a deed in lieu of foreclosure. In the event that the environmental
inspection report is inconclusive as to the whether or not the Mortgaged
Property is contaminated by hazardous or toxic substances or wastes, the
Servicer shall not, without the prior written approval of the Master Servicer
and the NIMs Insurer, proceed with foreclosure or acceptance of a deed in lieu
of foreclosure. The Servicer shall be reimbursed for all Servicing Advances made
pursuant to this paragraph with respect to the related Mortgaged Property from
the amounts on deposit in the Custodial Account with respect to Securitized
Loans in the same Trust.
In the event that a Trust which has made one or more REMIC elections
acquires any REO Property in connection with a default or imminent default on a
Securitized Loan, the Servicer shall dispose of such REO Property not later than
the end of the third taxable year after the year of its acquisition by the
related Trust unless the Servicer has applied for and received a grant of
extension from the Internal Revenue Service (and provides a copy of the same to
the Master Servicer) to the effect that, under the REMIC Provisions and any
relevant proposed legislation
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and under applicable state law, a REMIC elected by such Trust may hold REO
Property for a longer period without adversely affecting the REMIC status of
such REMIC or causing the imposition of a federal or state tax upon such REMIC.
If the Servicer has received such an extension (and provided a copy of the same
to the Master Servicer), then the Servicer shall continue to attempt to sell the
REO Property for its fair market value for such period longer than three years
as such extension permits (the "Extended Period"). If the Servicer has not
received such an extension, and the Servicer is unable to sell the REO Property
within the period ending 3 months before the end of such third taxable year
after its acquisition by the related Trust or if the Servicer has received such
an extension, and the Servicer is unable to sell the REO Property within the
period ending three months before the close of the Extended Period, the Servicer
shall, before the end of the three-year period or the Extended Period, as
applicable, (i) purchase such REO Property at a price equal to the REO
Property's fair market value or (ii) auction the REO Property to the highest
bidder (which may be the Servicer) in an auction reasonably designed to produce
a fair price prior to the expiration of the three-year period or the Extended
Period, as the case may be. The related Trustee shall sign any document or take
any other action reasonably requested by the Servicer which would enable the
Servicer, on behalf of the related Trust, to request such grant of extension.
Notwithstanding any other provisions of this Agreement, no REO Property
acquired by a Trust shall be rented (or allowed to continue to be rented) or
otherwise used by or on behalf of such Trust in such a manner or pursuant to any
terms that would: (i) cause such REO Property to fail to qualify as "foreclosure
property" within the meaning of Section 860G(a)(8) of the Code; or (ii) subject
any REMIC elected by such Trust to the imposition of any federal income taxes on
the income earned from such REO Property, including any taxes imposed by reason
of Sections 860F or 860G(c) of the Code, unless the Servicer has agreed to
indemnify and hold harmless such Trust with respect to the imposition of any
such taxes.
The Servicer shall also maintain on each REO Property hazard insurance
with extended coverage in an amount which is at least equal to the lesser of (i)
the maximum insurable value of the improvements which are a part of such
property and (ii) the outstanding Principal Balance of the Securitized Loan at
the time it becomes REO Property, to the extent required and available under the
Flood Disaster Protection Act of 1973, as amended, flood insurance in the amount
required above.
The disposition of REO Property shall be carried out by the Servicer at
such price, and upon such terms and conditions, as the Servicer deems to be in
the best interests of the related Trust. The proceeds of sale of the REO
Property shall be promptly deposited in the Custodial Account. After the
expenses of such disposition shall have been paid, the Servicer shall reimburse
itself pursuant to Section 3.04 hereof for any Servicing Advances it incurred
with respect to such REO Property.
The Servicer shall withdraw from the amounts on deposit in the
Custodial Account with respect to Securitized Loans in the same Trust funds
necessary for the proper operation,
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management and maintenance of the REO Property, including the cost of
maintaining any hazard insurance pursuant to the Master Servicing Guide. The
Servicer shall make monthly distributions on each Remittance Date to the Trustee
of the net cash flow from the REO Property (which shall equal the revenues from
such REO Property net of the expenses described in this Section 3.12 and of any
reserves reasonably required from time to time to be maintained to satisfy
anticipated liabilities for such expenses).
Section 3.13 Real Estate Owned Reports.
Together with the statement furnished pursuant to Section 4.02, the
Servicer shall furnish by electronic transmission to the Master Servicer and the
NIMs Insurer on or before the Remittance Date each month a statement with
respect to any REO Property covering the operation of such REO Property for the
previous month and the Servicer's efforts in connection with the sale of such
REO Property and any rental of such REO Property incidental to the sale thereof
for the previous month. That statement shall be accompanied by such other
information as the Master Servicer shall reasonably request.
Section 3.14 MERS.
(a) The Servicer shall take such actions as are necessary to cause the
related Trust to be clearly identified as the owner of each MERS Securitized
Loan on the records of MERS for purposes of the system of recording transfers of
beneficial ownership of mortgages maintained by MERS.
(b) The Servicer shall maintain in good standing its membership in
MERS. In addition, the Servicer shall comply with all rules, policies and
procedures of MERS, including the Rules of Membership, as amended, and the MERS
Procedures Manual, as amended.
(c) With respect to all MERS Securitized Loans serviced hereunder, the
Servicer shall promptly notify MERS as to any transfer of beneficial ownership
or release of any security interest in such Securitized Loans.
(d) With respect to all MERS Securitized Loans serviced hereunder, the
Servicer shall notify MERS as to any transfer of servicing pursuant to Section
9.01 within 10 Business Days of such transfer of servicing. The Servicer shall
cooperate with each Trustee and any successor servicer to the extent necessary
to ensure that such transfer of servicing is appropriately reflected on the MERS
system.
Section 3.15 Waiver of Prepayment Penalties.
Except as provided below, the Servicer or any designee of the Servicer
shall not waive any Prepayment Charge with respect to any Securitized Loan. If
the Servicer or its designee fails to collect a Prepayment Charge at the time of
the related prepayment of any Securitized Loan
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subject to such Prepayment Charge, the Servicer shall pay to the Trust at such
time (by deposit to the Custodial Account) an amount equal to the amount of the
Prepayment Charge not collected. The Seller warrants that the schedule of
Prepayment Charges listed in each Transfer Notice shall be complete, true and
accurate and may be relied on by the Servicer in its calculation of Prepayment
Charges. Notwithstanding the above, the Servicer or its designee may waive a
Prepayment Charge only if (i) the related prepayment is not the result of a
refinancing by the Servicer or its designee, (ii) such waiver relates to a
defaulted Securitized Loan or a reasonably foreseeable default, (iii) such
waiver is standard and customary in servicing similar mortgage loans to the
Securitized Loans, and (iv) such waiver, in the reasonable judgment of the
Servicer, would maximize recovery of total proceeds from the Securitized Loan,
taking into account the amount of such Prepayment Charge and the related
Securitized Loan. If a Prepayment Charge is waived as permitted by meeting the
standards described above, then the Servicer is required to pay the amount of
such waived Prepayment Charge, for the benefit of the holders of the Class P
Certificates (as defined in the related Trust Agreement), by depositing such
amount into the Custodial Account together with and at the time that the amount
prepaid on the related Securitized Loan is required to be deposited into the
Custodial Account.
Within 90 days of the earlier of discovery by the Servicer or receipt
of notice by the Servicer of the breach of the representation or covenant of the
Servicer set forth in this Section 3.15 which materially and adversely affects
the interests of the Holders of the Class P Certificates in any Prepayment
Charge, the Servicer shall remedy such breach as follows: if any of the
covenants made by the Servicer in this Section 3.15 is breached, the Servicer
must pay the amount of such waived Prepayment Charge, for the benefit of the
Holders of the Class P Certificates, by depositing such amount into the
Custodial Account.
Section 3.16 Servicing and Administration of PMI Policies.
(a) The Servicer shall take all such actions on behalf of the Trustee
as are necessary to service, maintain and administer PMI Policies and to perform
and enforce the rights under such Policies for the benefit of the related Trust.
Except as expressly set forth herein, the Servicer shall have full authority on
behalf of the related Trust to do anything it reasonably deems appropriate or
desirable in connection with the servicing, maintenance and administration of
the PMI Policies. The Servicer shall not take, or permit any sub-servicer to
modify or assume a Securitized Loan covered by a PMI Policy or take any other
action with respect to such Securitized Loan which would result in non-coverage
under any PMI Policy of any loss which, but for the actions of the Servicer or
the Sub-Servicer, would have been covered thereunder. If a PMI Insurer fails to
pay a claim under a PMI Policy as a result of breach by the Servicer or a
sub-servicer of its obligations hereunder or under a PMI Policy, the Servicer
shall be required to deposit in the Custodial Account on or prior to the next
succeeding Remittance Date an amount equal to such unpaid claim from its own
funds without any right to reimbursement from the related Trust. To the extent
coverage is available, the Servicer shall keep or cause to be kept in full force
and effect the Insurance Policies for as long as any Certificates issued by the
related Trust are outstanding. The Servicer shall cooperate with each PMI
Insurer and shall use its best
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efforts to furnish all reasonable aid, evidence and information in the
possession of the Servicer to which the Servicer has access with respect to any
Securitized Loan; provided, however, notwithstanding anything to the contrary
contained in a PMI Policy, the Servicer shall not be required to submit any
reports to a PMI Insurer until a reporting date that is at least 15 days after
the Servicer has received sufficient loan level information from the Seller to
appropriately code its servicing system in accordance with such PMI Insurer's
requirements.
(b) The Servicer shall deposit into the Custodial Account pursuant to
Section 3.03(xiii) hereof all Insurance Proceeds received from the PMI Insurer
under the terms of a PMI Policy.
(c) Notwithstanding the provisions of (a) and (b) above, the Servicer
shall not take any action in regard to any PMI Policy inconsistent with the
interests of the related Trust or the related Certificateholders or with the
rights and interests of the related Trust or the related Certificateholders
under this Agreement.
(d) The related Trustee shall furnish the Servicer with any powers of
attorney and other documents (within fifteen (15) days upon request from the
Servicer) in form as provided to it necessary or appropriate to enable the
Servicer to service and administer any PMI Policy; provided, however, that the
related Trustee shall not be liable for the actions of the Servicer under such
powers of attorney.
Section 3.17 Maintenance of Hazard Insurance.
The Servicer shall cause to be maintained for each Securitized Loan
hazard insurance such that all buildings upon the related Mortgaged Property are
insured by a generally acceptable insurer against loss by fire, hazards of
extended coverage and such other hazards as are customary in the area where such
Mortgaged Property is located in an amount which is at least equal to the lesser
of (i) the current principal balance of such Securitized Loan and (ii) the
amount necessary to fully compensate for any damage or loss to the improvements
that are a part of such property on a replacement cost basis, in each case in an
amount not less than the amount as is necessary to avoid the application of any
co-insurance clause contained in the related hazard insurance policy.
Any payments by the Servicer for hazard insurance, other than as set
forth in the last paragraph of this Section 3.17, shall be deemed Servicing
Advances, reimbursable in accordance with Section 3.04(vii) or (x), to the
extent not collected from the related Mortgagor. The Servicer will comply in the
performance of this Agreement with all reasonable rules and requirements of each
insurer under any such hazard policies. Any amounts to be collected by the
Servicer under any such policies (other than amounts to be applied to the
restoration or repair of the property or amounts to be released to the Mortgagor
subject to the terms and conditions of the related Mortgage and Mortgage Note)
shall be deposited in the Custodial Account, subject to withdrawal pursuant to
Section 3.04, if received in respect of a Securitized Loan. Any cost
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incurred by the Servicer in maintaining any such insurance shall not, for the
purpose of calculating distributions to Certificateholders, be added to the
unpaid principal balance of the related Securitized Loan, notwithstanding that
the terms of such Securitized Loan so permit. It is understood and agreed that
no earthquake or other additional insurance is to be required of any Mortgagor
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 a Mortgaged
Property or REO Property is at any time in an area identified in the Federal
Register by the Federal Emergency Management Agency as having special flood
hazards and flood insurance has been made available, the Servicer will cause to
be maintained a flood insurance policy in respect thereof. Such flood insurance
shall be in an amount equal to the lesser of (i) the unpaid principal balance of
the related Securitized Loan and (ii) the maximum amount of such insurance
available for the related Mortgaged Property under the national flood insurance
program (assuming that the area in which such Mortgaged Property is located is
participating in such program).
In the event that the Servicer or the Sub-Servicer shall obtain and
maintain a blanket policy with an insurer having a General Policy Rating of
B:III or better in Best's Key Rating Guide (or such other rating that is
comparable to such rating) insuring against hazard losses on all of the
Securitized Loans in a Trust, it shall conclusively be deemed to have satisfied
its obligations as set forth in the first two sentences of this Section 3.17
with respect to the Securitized Loans in such Trust, it being understood and
agreed that such policy may contain a deductible clause, in which case the
Servicer shall, in the event that there shall not have been maintained on the
related Mortgaged Property or REO Property a policy complying with the first two
sentences of this Section 3.17, and there shall have been one or more losses
which would have been covered by such policy, deposit to the Custodial Account
from its own funds without right of reimbursement the amount not otherwise
payable under the blanket policy because of such deductible clause for the
benefit of the related Trust. In connection with its activities as administrator
and servicer of the Securitized Loans, the Servicer agrees to prepare and
present, on behalf of itself, the Trust and the Certificateholders, claims under
any such blanket policy in a timely fashion in accordance with the terms of such
policy. Copies of such claims shall be provided to the NIMs Insurer.
Section 3.18 Realization Upon Defaulted Securitized Loans.
(a) The Servicer shall use its best efforts and, consistent with
Accepted Servicing Practices, foreclose upon or otherwise comparably convert the
ownership of properties securing such of the Securitized Loans (including
selling any such Securitized Loans other than converting the ownership of the
related properties) as come into and continue in default and as to which no
satisfactory arrangements can be made for collection of delinquent payments. The
Servicer shall be responsible for all costs and expenses incurred by it in any
such proceedings; provided, however, that such costs and expenses will be
recoverable as Servicing Advances by the Servicer as contemplated in Section
3.04. The foregoing is subject to the provision that, in any case in which a
Mortgaged Property shall have suffered damage from an uninsured cause, the
Servicer shall not be required to expend its own funds toward the restoration of
such Mortgaged Property
M-1-34
unless it has determined that such restoration will increase the proceeds of
liquidation of the related Securitized Loan after reimbursement to itself for
such expenses. In instituting foreclosures or other similar proceedings, the
Servicer shall institute such proceedings in its own name on behalf of the
related Trust, unless otherwise required by applicable law or otherwise
appropriate.
(b) If the Servicer determines that it is in the best economic interest
of a Trust and the Certificateholders to sell a Distressed Securitized Loan
rather than foreclosing, the Servicer may effect such a sale. The net proceeds
of such sale shall be Liquidation Proceeds.
(c) Proceeds received in connection with any Final Recovery
Determination, as well as any recovery resulting from a partial collection of
Insurance Proceeds, Liquidation Proceeds or Condemnation Proceeds, in respect of
any Securitized Loan, will be applied in the following order of priority: first,
to unpaid Servicing Fees; second, to reimburse the Servicer or any sub-servicer
for any related unreimbursed Servicing Advances and Monthly Advances pursuant to
Section 3.04; third, to accrued and unpaid interest on the Securitized Loan, to
the date of the Final Recovery Determination, or to the Due Date prior to the
Remittance Date on which such amounts are to be remitted to the Master Servicer
if not in connection with a Final Recovery Determination; and fourth, as a
recovery of principal of the Securitized Loan. The portion of the recovery so
allocated to any unpaid Servicing Fee shall be reimbursed to the Servicer or any
sub-servicer pursuant to Section 3.04.
Section 3.19 Enforcement of Due-On-Sale Clauses; Assumption Agreement.
The Servicer will, to the extent it has knowledge of any conveyance or
prospective conveyance of any Mortgaged Property by any Mortgagor (whether by
absolute conveyance or contract of sale, and whether or not the Mortgagor
remains or is to remain liable under the Mortgage Note and/or the Mortgage),
exercise its rights to accelerate the maturity of such Securitized Loan under
the "due-on-sale" clause, if any, applicable thereto; provided, however, that
the Servicer shall not be required to take such action if in its sole business
judgment the Servicer believes it is not in the best interests of the related
Trust and shall not exercise any such rights if prohibited by law from doing so.
If the Servicer reasonably believes it is unable under applicable law to enforce
such "due-on-sale" clause, or if any of the other conditions set forth in the
proviso to the preceding sentence apply, the Servicer will enter into an
assumption and modification agreement from or with the person to whom such
property has been conveyed or is proposed to be conveyed, pursuant to which such
person becomes liable under the Mortgage Note and, to the extent permitted by
applicable state law, the Mortgagor remains liable thereon. The Servicer is also
authorized 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 the Mortgagor and becomes liable under the Mortgage
Note, provided that no such substitution shall be effective unless such person
satisfies the underwriting criteria of the Servicer and has a credit risk rating
at least equal to that of the original Mortgagor. In connection with any
assumption or substitution, the Servicer shall apply such underwriting standards
and
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follow such practices and procedures as shall be normal and usual in its general
mortgage servicing activities and as it applies to other mortgage loans owned
solely by it. The Servicer shall not take or enter into any assumption and
modification agreement, however, unless (to the extent practicable in the
circumstances) it shall have received confirmation, in writing, of the continued
effectiveness of any applicable hazard insurance policy. Any fee collected by
the Servicer in respect of an assumption, modification or substitution of
liability agreement shall be retained by the Servicer as additional servicing
compensation. In connection with any such assumption, no material term of the
Mortgage Note (including but not limited to the related Mortgage Interest Rate
and the amount of the Monthly Payment) may be amended or modified, except as
otherwise required pursuant to the terms thereof. The Servicer shall notify the
related Trustee that any such substitution, modification or assumption agreement
has been completed by the Servicer, and the Servicer shall deliver to the
Custodian the executed original of such substitution, modification or assumption
agreement, which document 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, and the
Servicer shall also deliver to the Trustee a copy of the executed substitution,
modification or assumption agreement.
Notwithstanding the foregoing paragraph or any other provision of this
Agreement, the Servicer shall not be deemed to be in default, breach or any
other violation of its obligations hereunder by reason of any assumption of a
Securitized Loan by operation of law or by the terms of the Mortgage Note or any
assumption which the Servicer may be restricted by law from preventing, for any
reason whatever. For purposes of this Section 3.19, the term "assumption" is
deemed to also include a sale (of the Mortgaged Property) subject to the
Mortgage that is not accompanied by an assumption or substitution of liability
agreement.
Section 3.20 Credit Risk Manager.
The Servicer acknowledges and agrees that, under any Trust Agreement, a
Credit Risk Manager may be required to provide certain credit risk management
services as provided therein. If so, the Servicer hereby agrees to cooperate
with the Credit Risk Manager in connection with all reasonable requests made by
the Credit Risk Manager, including, without limitation, promptly providing
copies of any servicing reports and remittance advices required under this
Agreement to the Credit Risk Manager.
Section 3.21 Compliance with Applicable Laws.
All requirements of any federal, state or local law (including usury,
truth in lending, real estate settlement procedures, consumer credit protection,
equal credit opportunity, disclosure or recording, predatory and abusive lending
laws) applicable to the servicing of the Mortgage Loans will be complied with by
the Servicer in all material respects.
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ARTICLE IV.
PAYMENTS TO MASTER SERVICER
Section 4.01 Remittances.
On each Remittance Date, no later than 3:00 p.m. New York City time,
the Servicer shall remit on a scheduled/scheduled basis by wire transfer of
immediately available funds to the Master Servicer (a) all amounts deposited in
the Custodial Account as of the close of business on the Determination Date (net
of charges against or withdrawals from the Custodial Account pursuant to Section
3.04), plus (b) all Monthly Advances, if any, which the Servicer or other
Advancing Person is obligated to make pursuant to Section 4.03, minus (c) any
amounts attributable to Principal Prepayments, Liquidation Proceeds, Insurance
Proceeds, Condemnation Proceeds or REO Disposition Proceeds received after the
applicable Due Period, which amounts shall be remitted on the following
Remittance Date, together with any additional interest required to be deposited
in the Custodial Account in connection with such Principal Prepayment in
accordance with Section 3.03 (iii) and (vii), and minus (d) any amounts
attributable to Monthly Payments collected but due on a Due Date or Due Dates
subsequent to the first day of the month in which such Remittance Date occurs,
which amounts shall be remitted on the Remittance Date next succeeding the Due
Date related to such Monthly Payment.
With respect to any remittance received by the Master Servicer after
the Business Day on which such payment was due, the Servicer shall pay to the
Master Servicer interest on any such late payment at an annual rate equal to
LIBOR, adjusted as of the date of each change, plus four (4) percentage points,
but in no event greater than the maximum amount permitted by applicable law.
Such interest shall be deposited in the Custodial Account by the Servicer on the
date such late payment is made and shall cover the period commencing with the
day following the Remittance Date and ending with the Business Day on which such
payment is made, both inclusive. Such interest shall be remitted along with the
distribution payable on the next succeeding Remittance Date. The payment by the
Servicer of any such interest shall not be deemed an extension of time for
payment or a waiver of any Event of Default by the Master Servicer or any
applicable Trustee.
All remittances required to be made to the Master Servicer shall be
made on a scheduled/scheduled basis to the following wire account or to such
other account as may be specified by the Master Servicer from time to time:
Xxxxx Fargo Bank, National Association
Minneapolis, Minnesota
ABA# 000000000
Account Name: SAS Clearing 0000000000
For further credit to: Collection Account No. 00000000
Section 4.02 Statements to Master Servicer.
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Not later than the 10th calendar day of each month (or if such calendar
day is not a Business Day, the immediately succeeding Business Day), the
Servicer shall furnish to the Master Servicer and the NIMs Insurer with respect
to each related Trust, or as the Servicer and the Master Servicer may otherwise
agree (a) a monthly remittance advice in the format set forth at Exhibit D
hereto with regard to monthly loan remittance data, Exhibit E with regard to
default mortgage loans, and Exhibit F with regard to realized losses or gains
for the period ending on the first day of such calendar month (i.e., the Due
Period) and (b) all such information required pursuant to clause (a) above in an
electronic file or other similar media reasonably acceptable to the Master
Servicer. The Servicer shall also furnish to the Master Servicer and the NIMs
Insurer (in such format mutually agreed to by the Servicer and the Master
Servicer) a monthly report detailing loan level Prepayment Charges collected
and/or waived by the Servicer in accordance with Section 3.15.
Such monthly remittance advice shall also be accompanied with a
supplemental report provided to the Master Servicer which includes on an
aggregate basis for the previous Due Period (i) the amount of claims filed, (ii)
the amount of any claim payments made, (iii) the amount of claims denied or
curtailed and (iv) policies cancelled with respect to those Securitized Loans
covered by any PMI Policy or any other provider of primary mortgage insurance
purchased by the Trust. Notwithstanding anything to the contrary contained in a
PMI Policy, the Servicer shall not be required to submit any supplemental
reports including the foregoing data with respect to a PMI Policy until a
reporting date that is at least 15 days after the Servicer has received
sufficient loan level information from the Seller to appropriately code its
servicing system in accordance with requirements.
In addition, not more than 60 days after the end of each calendar year,
commencing December 31, 2004, the Servicer shall provide (as such information
becomes reasonably available to the Servicer) to the Master Servicer such
information concerning the Securitized Loans and annual remittances to the
Master Servicer with respect to the Securitized Loans in each Trust as is
necessary for each Certificateholder and the NIMs Insurer to prepare its federal
income tax return. Such obligation of the Servicer shall be deemed to have been
satisfied to the extent that substantially comparable information shall be
provided by the Servicer to the Master Servicer and pursuant to any requirements
of the Code as from time to time are in force.
Beginning with calendar year 2004, the Servicer shall provide the
Master Servicer and each Trustee with such information concerning the related
Securitized Loans as is necessary for such Trustee to prepare the related
Trust's federal income tax return and for any investor in the related
Certificates to prepare any required tax return.
Section 4.03 Monthly Advances by Servicer.
On the Business Day immediately preceding each Remittance Date, the
Servicer shall deposit in the Custodial Account from its own funds or from
amounts held for future distribution, or both, an amount equal to the aggregate
of all Monthly Advances relating to Monthly Payments
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which were due on the Securitized Loans during the applicable Due Period and
which were delinquent at the close of business on the immediately preceding
Determination Date. Any amounts held for future distribution and so used shall
be replaced by the Servicer by deposit in the Custodial Account on or before any
future Remittance Date if funds in the Custodial Account on such Remittance Date
shall be less than remittances to the Master Servicer required to be made on
such Remittance Date. The Servicer shall keep appropriate records of such
amounts and will provide such records to the Master Servicer upon request. No
provision in this Agreement shall be construed as limiting the Servicer's right
to (i) pass through late collections on the related Securitized Loans in lieu of
making Monthly Advances (ii) reimburse itself for such Monthly Advances from
late collections on the related Securitized Loans or (iii) utilize an Advancing
Person (as defined below).
The Servicer's obligation to make such Monthly Advances as to any
Mortgage Loan will continue through the last Monthly Payment due prior to the
payment in full of the Mortgage Loan, or through the last Remittance Date prior
to the Remittance Date for the distribution of all Liquidation Proceeds and
other payments or recoveries (including REO Disposition Proceeds, Insurance
Proceeds and Condemnation Proceeds) with respect to the Mortgage Loan; provided,
however, that such obligation shall cease if the Servicer determines, in its
sole reasonable opinion, that advances with respect to such Mortgage Loan are
non-recoverable by the Servicer from Liquidation Proceeds, Insurance Proceeds,
Condemnation Proceeds, or otherwise with respect to a particular Mortgage Loan.
The Servicer, with the consent of the NIMs Insurer, may enter into a
facility with any person including the Sub-Servicer which provides that such
person (an "Advancing Person") may fund Monthly Advances required under this
Section 4.03 and/or Servicing Advances, although no such facility shall reduce
or otherwise affect the Servicer's obligation to fund such Monthly Advances
and/or Servicing Advances. Any Monthly Advances and/or Servicing Advances made
by an Advancing Person shall be reimbursed to the Advancing Person in the same
manner as reimbursements would be made to the Servicer under Section 3.04 if
such Monthly Advances or Servicing Advance were funded by the Servicer.
Section 4.04 Compensating Interest.
The Servicer shall be required to deposit in the Custodial Account, and
retain therein with respect to each Principal Prepayment, the Prepayment
Interest Shortfall Amount, if any, for the related Due Period. Such deposit
shall be made from the Servicer's own funds, without reimbursement therefor, up
to an amount equal to the lesser of with respect to the Securitized Loans in
each Trust (i) the Prepayment Interest Shortfall Amount or (ii) the Servicing
Fee, in each case, with respect to the Securitized Loans in such Trust. The
Servicer shall not be obligated to pay any Prepayment Interest Shortfall Amount
with respect to any Relief Act Reduction or bankruptcy.
Section 4.05 Credit Reporting.
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For each Securitized Loan, in accordance with its current servicing
practices, the Servicer will accurately and fully report its underlying borrower
credit files to each of the following credit repositories or their successors:
Equifax Credit Information Services, Inc., Trans Union, LLC and Experian
Information Solution, Inc., on a monthly basis in a timely manner.
ARTICLE V.
GENERAL SERVICING PROCEDURES
Section 5.01 Servicing Compensation.
As consideration for servicing the Securitized Loans subject to this
Agreement, the Servicer shall retain (a) the Servicing Fee for each Securitized
Loan remaining subject to this Agreement during any month and (b) Ancillary
Income. The Servicing Fee shall be payable monthly.
The aggregate of the Servicing Fees for any month with respect to the
Securitized Loans in a Trust shall be reduced by any Prepayment Interest
Shortfall Amount with respect to the Securitized Loans in such Trust with
respect to such month. The Servicer shall be entitled to recover any unpaid
Servicing Fee out of Insurance Proceeds, Condemnation Proceeds or Liquidation
Proceeds to the extent permitted in Section 3.04 and out of amounts derived from
the operation and sale of an REO Property to the extent permitted by Section
3.12.
Additional servicing compensation in the form of Ancillary Income shall
be retained by the Servicer only to the extent such fees or charges are received
by the Servicer. The Servicer shall also be entitled pursuant to Section 3.04
and Section 3.06 to withdraw from the Custodial Account and Escrow Account,
respectively, as additional servicing compensation, interest or other income
earned on deposits therein, subject to Section 3.11.
The Servicer shall be required to pay all expenses incurred by it in
connection with its servicing activities hereunder, including any fees due to
sub-servicers, and shall not be entitled to reimbursement thereof except as
specifically provided for herein.
Section 5.02 Annual Audit Report.
The Servicer shall, at its own expense, using its best efforts by
February 28 of each year, but in no event later than March 1 of each year, cause
a firm of independent public accountants (who may also render other services to
Servicer), which is a member of the American Institute of Certified Public
Accountants, to furnish to the Seller and the Master Servicer (i) year-end
audited (if available) financial statements of the Servicer and (ii) a statement
to the effect that such firm has examined certain documents and records for the
preceding fiscal year (or during the period from the date of commencement of
such Servicer's duties hereunder until the end of such preceding fiscal year in
the case of the first such certificate) and that, on the basis of such
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examination conducted substantially in compliance with the Uniform Single
Attestation Program for Mortgage Bankers, such firm is of the opinion that
Servicer's overall servicing operations have been conducted in compliance with
the Uniform Single Attestation Program for Mortgage Bankers except for such
exceptions that, in the opinion of such firm, the Uniform Single Attestation
Program for Mortgage Bankers requires it to report, in which case such
exceptions shall be set forth in such statement.
Section 5.03 Annual Officer's Certificate.
The Servicer, at its own expense, will, using its best efforts by
February 28 of each year, but in no event later than March 1 of each year,
deliver to the Seller and the Master Servicer a Servicing Officer's certificate
stating, as to each signer thereof, that (i) a review of the activities of the
Servicer during such preceding fiscal year and of performance under this
Agreement has been made under such officers' supervision, and (ii) to the best
of such officers' knowledge, based on such review, the Servicer has fulfilled
all its obligations under this Agreement for such year, or, if there has been a
default in the fulfillment of all such obligations, specifying each such default
known to such officers and the nature and status thereof including the steps
being taken by the Servicer to remedy such default.
Section 5.04. Servicer's Certification.
(a) An officer of the Servicer shall, using its best efforts by
February 28 of each year, but no later than March 1 of each year, (or if not a
Business Day, the immediately preceding Business Day), or at any other time upon
thirty (30) days written request, execute and deliver an Officer's Certificate
to the Master Servicer for the benefit of such Master Servicer and its officers,
directors, agents and affiliates, certifying as to the following matters:
(i) Based on my knowledge, the information in the annual
statement of compliance furnished pursuant to Section 5.03, the annual
independent public accountant's servicing report furnished pursuant to Section
5.02 and all servicing reports, officer's certificates and other information
relating to the servicing of the Securitized Loans submitted to the Master
Servicer taken as a whole, does not contain any untrue statement of a material
fact or omit to state a material fact necessary to make the statements made, in
light of the circumstances under which such statements were made, not misleading
as of the date of this certification;
(ii) The servicing information required to be provided to the
Master Servicer by the Servicer under this Agreement has been provided to the
Master Servicer;
(iii) I am responsible for reviewing the activities performed
by the Servicer under the Agreement and based upon the review required by the
Agreement, and except as disclosed in the annual statement of compliance, the
annual independent public accountant's servicing report and all servicing
reports, officer's certificates and other information relating to
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the servicing of the Securitized Loans submitted to the Master Servicer, the
Servicer has, as of the date of this certification fulfilled its obligations
under the Agreement; and
(iv) I have disclosed to the Master Servicer all significant
deficiencies relating to the Servicer's compliance with the minimum servicing
standards in accordance with a review conducted in compliance with the Uniform
Single Attestation Program for Mortgage Bankers or similar standard as set forth
in the Agreement.
(b) The Servicer shall indemnify and hold harmless the Master Servicer
and its officers, directors, agents and affiliates from and against any losses,
damages, penalties, fines, forfeitures, reasonable legal fees and related costs,
judgments and other costs and expenses arising out of or based upon a breach by
the Servicer or any of its officers, directors, agents or affiliates of its
obligations under Sections 5.02, 5.03 or 5.04 or the negligence, bad faith or
willful misconduct of the Servicer in connection therewith. If the
indemnification provided for herein is unavailable or insufficient to hold
harmless the Master Servicer, then the Servicer agrees that it shall contribute
to the amount paid or payable by the Master Servicer as a result of losses,
claims, damages or liabilities of the Master Servicer in such proportion as is
appropriate to reflect the relative fault of the Master Servicer on the one hand
and the Servicer on the other in connection with a breach of the Servicer's
obligations under Sections 5.02, 5.03 or 5.04 or the Servicer's negligence, bad
faith or willful misconduct in connection therewith.
Section 5.05 Access to Servicer Records.
The Seller or the NIMs Insurer shall have the right to examine and
audit, at its expense, upon reasonable notice to the Servicer, during business
hours or at such other times as might be reasonable under applicable
circumstances, any and all of the books, records, documentation or other
information of the Servicer, or held by another for the Servicer or on its
behalf or otherwise, which relate to the performance or observance by the
Servicer of the terms, covenants or conditions of this Agreement.
The Servicer shall provide to the Seller, the NIMs Insurer and any
supervisory agents or examiners representing a state or federal governmental
agency having jurisdiction over the Seller access to any documentation regarding
the Mortgage Loans in the possession of the Servicer which may be required by
any applicable regulations. Such access shall be afforded without charge, upon
reasonable request, during normal business hours and at the offices of the
Servicer, and in accordance with the applicable federal or state government
regulations.
ARTICLE VI.
REPRESENTATIONS, WARRANTIES
AND AGREEMENTS
Section 6.01 Representations, Warranties and Agreements of the
Servicer.
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The Servicer, as a condition to the consummation of the transactions
contemplated hereby, hereby makes the following representations and warranties
to the Seller, the Depositor, the Trustee and the Master Servicer as of the
Closing Date:
(a) Due Organization and Authority. The Servicer is duly organized,
validly existing and in good standing under the laws of the State of Delaware
and has all licenses necessary to carry on its business as now being conducted
and either it or its designated sub-servicer is licensed, qualified and in good
standing in each state where a Mortgaged Property is located if the laws of such
state require licensing or qualification in order to conduct a servicing
business of the type provided for herein, and in any event the Servicer or its
designated sub-servicer is in compliance with the laws of any such state to the
extent necessary to ensure the enforceability of the terms of this Agreement;
the Servicer has the full power and authority to execute and deliver this
Agreement and, together with such sub-servicer, to perform in accordance
herewith; the execution, delivery and performance of this Agreement (including
all instruments of transfer to be delivered pursuant to this Agreement) by the
Servicer and the consummation of the transactions contemplated hereby have been
duly and validly authorized; this Agreement evidences the valid, binding and
enforceable obligation of the Servicer and all requisite action has been taken
by the Servicer to make this Agreement valid and binding upon the Servicer in
accordance with its terms;
(b) Ordinary Course of Business. The consummation of the transactions
contemplated by this Agreement, taking into account the role of its
sub-servicer, is in the ordinary course of business of the Servicer;
(c) No Conflicts. Neither the execution and delivery of this Agreement,
the acquisition of the servicing responsibilities by the Servicer or the
transactions contemplated hereby, nor the fulfillment of or compliance with the
terms and conditions of this Agreement, will conflict with or result in a breach
of any of the terms, conditions or provisions of the Servicer's organizational
documents or any legal restriction or any agreement or instrument to which the
Servicer is now a party or by which it is bound, or constitute a default or
result in an acceleration under any of the foregoing, or, taking into account
the role of its designated sub-servicer, result in the violation of any law,
rule, regulation, order, judgment or decree to which the Servicer or its
property is subject, or impair the ability of the Servicer to service the
Securitized Loans, or impair the value of the Securitized Loans;
(d) Ability to Perform. The Servicer does not believe, nor does it have
any reason or cause to believe, that it, together with the Sub-Servicer, cannot
perform each and every covenant contained in this Agreement;
(e) No Litigation Pending. There is no action, suit, proceeding or
investigation pending or, to the best of our knowledge, threatened against the
Servicer which, either in any one instance or in the aggregate, may result in
any material adverse change in the business, operations, financial condition,
properties or assets of the Servicer, or in any material impairment
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of the right or ability of the Servicer to carry on its business substantially
as now conducted, or in any material liability on the part of the Servicer, or
which would draw into question the validity of this Agreement or of any action
taken or to be taken in connection with the obligations of the Servicer
contemplated herein, or which would be likely to impair materially the ability
of the Servicer together with the Sub-Servicer to perform under the terms of
this Agreement;
(f) No Consent Required. No consent, approval, authorization or order
of any court or governmental agency or body is required for the execution,
delivery and performance by the Servicer together with the Sub-Servicer of or
compliance by the Servicer together with the Sub-Servicer with this Agreement;
(g) Ability to Service. The Servicer is an approved seller/servicer of
conventional residential Securitized Loans for Xxxxxx Xxx and Xxxxxxx Mac, and,
together with those of its designated sub-servicer, shall ensure that there are
the facilities, procedures, and experienced personnel necessary for the sound
servicing of the Securitized Loans. The Servicer is in good standing to service
Securitized Loans for Xxxxxxx Mac. The Servicer is a member in good standing of
the MERS system, if applicable;
(h) No Untrue Information. Neither this Agreement nor any statement,
report or other document furnished or to be furnished by the Servicer pursuant
to this Agreement or in connection with the transactions contemplated hereby
contains any untrue material statement of fact or omits to state a material fact
necessary to make the statements contained therein not misleading;
(i) No Commissions to Third Parties. The Servicer has not dealt with
any broker or agent or anyone else, other than the Sub-Servicer, who might be
entitled to a fee or commission in connection with this transaction other than
the Seller; and
(j) No Waiver of Prepayment Charges. The Servicer will not waive any
Prepayment Charge unless it is waived in accordance with the standard set forth
in Section 3.15.
Section 6.02 Remedies for Breach of Representations and Warranties of
the Servicer.
It is understood and agreed that the representations and warranties set
forth in Section 6.01 shall survive the engagement of the Servicer to perform
the servicing responsibilities as of any Closing Date hereunder and the delivery
of the Servicing Files to the Servicer and shall inure to the benefit of the
Seller, any Depositor, the Master Servicer and each Trust, NIMs Insurer and
Trustee. Upon discovery by any of the Servicer, the Master Servicer, the
Trustee, NIMs Insurer, any Depositor or the Seller of a breach of any of the
foregoing representations and warranties which materially and adversely affects
the ability of the Servicer, together with its designated sub-servicer, to
perform its duties and obligations under this Agreement or otherwise materially
and adversely affects the value of the Securitized Loans, the Mortgaged
Property, the priority of the security interest on such Mortgaged Property or
the interest of the Seller, any Depositor, the
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Master Servicer, NIMs Insurer, the related Trust or the related Trustee, the
party discovering such breach shall give prompt written notice to the others.
Within 60 days of the earlier of either discovery by or notice to the
Servicer of a breach of a representation or warranty set forth in Section 6.01
which materially and adversely affects the ability of the Servicer, together
with its designated sub-servicer, to perform its duties and obligations under
this Agreement or otherwise materially and adversely affects the value of the
Securitized Loans, the Mortgaged Property or the priority of the security
interest on such Mortgaged Property, the Servicer shall use its best efforts
promptly to cure such breach in all material respects and, if such breach cannot
be cured, the Servicer shall, at the option of the Trustee, assign the
Servicer's rights and obligations under this Agreement (or respecting the
affected Securitized Loans) with respect to a Trust to a successor servicer
selected by the related Trustee with the prior consent and approval of the
Master Servicer. Such assignment shall be made in accordance with Section 9.01
and 9.02.
In addition, the Servicer shall indemnify the Seller, the Master
Servicer, NIMs Insurer, any Depositor and each Trustee and hold each of them
harmless against any Costs resulting from any claim, demand, defense or
assertion based on or grounded upon, or resulting from, a breach of the
Servicer's representations and warranties contained in this Agreement. It is
understood and agreed that the remedies set forth in this Section 6.02
constitute the sole remedies of the Seller, the Master Servicer, any Depositor,
and each Trust and Trustee hereunder respecting a breach of the foregoing
representations and warranties.
Any cause of action against the Servicer relating to or arising out of
the breach of any representations and warranties made in Section 6.01 shall
accrue upon (i) discovery of such breach by the Servicer or notice thereof by
the Seller, the Master Servicer, NIMs Insurer, any Depositor or a Trustee to the
Servicer, (ii) failure by the Servicer to cure such breach within the applicable
cure period, and (iii) demand upon the Servicer by the Seller, any Depositor,
NIMs Insurer, the Master Servicer or a Trustee for compliance with this
Agreement.
Section 6.03 Additional Indemnification by the Servicer; Third Party
Claims.
The Servicer shall indemnify the Seller, any Depositor, NIMs Insurer,
each Trustee, the Master Servicer and each Trust and hold them harmless against
any and all Costs that any such indemnified party may sustain in any way related
to (i) the failure of the Servicer to perform its duties and service the related
Securitized Loans in material compliance with the terms of this Agreement or
(ii) the failure of the Servicer to cause any event to occur which would have
occurred if the Servicer were applying Accepted Servicing Practices under this
Agreement. The Servicer shall immediately notify the Seller, any related
Depositor, NIMs Insurer, the Master Servicer, the related Trustee or any other
relevant party if a claim is made by a third party with respect to this
Agreement or the related Securitized Loans, assume (with the prior written
consent of the indemnified party) the defense of any such claim and pay all
expenses in connection therewith, including counsel fees, promptly pay,
discharge and satisfy any judgment or decree
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which may be entered against it or any indemnified party in respect of such
claim and follow any written instructions received from such indemnified party
in connection with such claim. The Servicer shall be promptly reimbursed by the
related Trust or Trusts for all amounts advanced by it pursuant to the preceding
sentence except when the claim is in any way related to the Servicer's
indemnification pursuant to Section 6.02, or the failure of the Servicer,
together with its designated sub-servicer, to service and administer the
Securitized Loans in material compliance with the terms of this Agreement. In
the event a dispute arises between an indemnified party and the Servicer with
respect to any of the rights and obligations of the parties pursuant to this
Agreement, and such dispute is adjudicated in a court of law, by an arbitration
panel or any other judicial process, then the losing party shall indemnify and
reimburse the winning party for all attorneys' fees and other costs and expenses
related to the adjudication of said dispute.
Section 6.04 Indemnification with Respect to Certain Taxes and Loss of
REMIC Status.
In the event that any REMIC elected by a Trust fails to qualify as a
REMIC, loses its status as a REMIC, or incurs federal, state or local taxes as a
result of a prohibited transaction or prohibited contribution under the REMIC
Provisions due to the negligent performance by the Servicer of its duties and
obligations set forth herein, the Servicer shall indemnify the Holder of the
related Residual Certificate, the Master Servicer, the related Trustee and the
related Trust against any and all losses, claims, damages, liabilities or
expenses ("Losses") resulting from such negligence; provided, however, that the
Servicer shall not be liable for any such Losses attributable to the action or
inaction of the related Trustee, any related Depositor, the Master Servicer or
the Holder of such Residual Certificate, as applicable, nor for any such Losses
resulting from misinformation provided by the Holder of such Residual
Certificate or any such other party on which the Servicer has relied. The
foregoing shall not be deemed to limit or restrict the rights and remedies of
the Holder of such Residual Certificate or the related Trust now or hereafter
existing at law or in equity or otherwise. Notwithstanding the foregoing,
however, in no event shall the Servicer have any liability (1) for any action or
omission that is taken in accordance with and in 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 Servicer
of its duties and obligations set forth herein, and (3) for any special or
consequential damages to the related Certificateholders.
ARTICLE VII.
THE SERVICER
Section 7.01 Merger or Consolidation of the Servicer.
The Servicer shall keep in full effect its existence, rights and
franchises as a limited liability company, and shall obtain and preserve its
qualification to do business as a foreign entity in each jurisdiction in which
such qualification is or shall be necessary to perform its obligations as
contemplated by this Agreement.
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Any Person into which the Servicer may be merged or consolidated, or
any corporation resulting from any merger, conversion or consolidation to which
the Servicer shall be a party, or any Person succeeding to the business of the
Servicer, shall, with the prior written consent of the Master Servicer, be the
successor of the Servicer hereunder, without the execution or filing of any
paper or any further act on the part of any of the parties hereto, anything
herein to the contrary notwithstanding; provided, however, that the successor or
surviving Person shall be an institution (i) having a net worth of not less than
$25,000,000, and (ii) which is a Xxxxxxx Mac-approved or Xxxxxx Mae-approved
servicer in good standing.
Section 7.02 Limitation on Liability of the Servicer and Others.
Neither the Servicer nor any of the directors, officers, employees or
agents of the Servicer shall be under any liability to the Seller, the Master
Servicer, any Depositor, any Trust or any Trustee hereunder for any action taken
or for refraining from the taking of any action in good faith pursuant to this
Agreement, or for errors in judgment; provided, however, that this provision
shall not protect the Servicer or any such person against any breach of
warranties or representations made herein, or failure to perform its obligations
in strict compliance with any standard of care set forth in this Agreement, or
any liability which would otherwise be imposed by reason of any breach of the
terms and conditions of this Agreement. The Servicer and any director, officer,
employee or agent of the 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. The Servicer shall not be under any obligation to
appear in, prosecute or defend any legal action which is not incidental to its
duties to service the Securitized Loans in accordance with this Agreement and
which in its opinion may involve it in any expense or liability; provided,
however, that the Servicer may, with the consent of the related Trustee, NIMs
Insurer and the Master Servicer, undertake any such action which it deems
necessary or desirable in respect of this Agreement and the rights and duties of
the parties hereto. In such event, the Servicer shall be entitled to
reimbursement from the related Trust for the reasonable legal expenses and costs
of such action.
Section 7.03 Limitation on Resignation and Assignment by the Servicer.
The Servicer shall neither assign its rights under this Agreement or
the servicing hereunder nor delegate its duties hereunder or any portion
thereof, or sell or otherwise dispose of all or substantially all of its
property or assets without, in each case, the prior written consent of the
Seller, the Master Servicer and the related Trustee and the NIMs Insurer, which
consent, in the case of an assignment of rights or delegation of duties, shall
be granted or withheld in the discretion of the Seller, the Master Servicer and
the related Trustee, and which consent, in the case of a sale or disposition of
all or substantially all of the property or assets of the Servicer, shall not be
unreasonably withheld; provided, that in each case, there must be delivered to
the Seller, the Master Servicer and the related Trustee and NIMs Insurer a
letter from the applicable Rating Agency or Rating Agencies to the effect that
such transfer of servicing or sale or disposition of assets will not result in a
qualification, withdrawal or downgrade of the
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then-current rating of any of the Certificates, and provided further, without
any consent or notice the Servicer may delegate its servicing duties hereunder
to the Sub-Servicer pursuant to the Sub-Servicing Agreement. Notwithstanding the
foregoing, the Servicer, without the consent of the Seller, the Master Servicer
and the related Trustee, may retain third-party contractors to perform certain
servicing and loan administration functions, including without limitation,
hazard insurance administration, tax payment and administration, flood
certification and administration, collection services and similar functions;
provided, however, that the retention of such contractors by Servicer shall not
limit the obligation of the Servicer to service the Securitized Loans pursuant
to the terms and conditions of this Agreement.
The Servicer shall not resign from the obligations and duties hereby
imposed on it with respect to the Securitized Loans in a Trust except by mutual
consent of the Seller, the Master Servicer and the related Trustee, with the
consent of the NIMs Insurer, or upon the determination that its duties hereunder
are no longer permissible under applicable law and such incapacity cannot be
cured by the Servicer. Any such determination permitting the resignation of the
Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to
the Seller, the Master Servicer and the related Trustee and NIMs Insurer which
Opinion of Counsel shall be in form and substance acceptable to the Seller, the
Master Servicer and the related Trustee and NIMs Insurer. No such resignation
shall become effective until a successor acceptable to the Master Servicer shall
have assumed the Servicer's responsibilities and obligations hereunder in the
manner provided in Section 9.01.
Without in any way limiting the generality of this Section 7.03, in the
event that the Servicer either shall assign this Agreement or the servicing
responsibilities hereunder or delegate its duties hereunder or any portion
thereof or sell or otherwise dispose of all or substantially all of its property
or assets, without the prior written consent of the Seller, the Master Servicer
and the Trustee and NIMs Insurer (except as provided by the first paragraph of
this Section 7.03 and Section 7.04), then such parties shall have the right to
terminate this Agreement upon notice given as set forth in Section 8.01, without
any payment of any penalty or damages and without any liability whatsoever to
the Servicer or any third party.
Section 7.04 Sub-Servicing Agreements; Sub-Servicing Acknowledgment
Agreement; Successor Sub-Servicer.
(a) The Servicer may enter into sub-servicing agreements, with the
consent of the NIMs Insurer, for any servicing and administration of the
Securitized Loans with any institution which (i) is an approved Xxxxxx Xxx or
Xxxxxxx Mac Seller/Servicer as indicated in writing, and (ii) represents and
warrants that it is in compliance with the laws of each state as necessary to
enable it to perform its obligations under such sub-servicing agreement. For
this purpose, sub-servicing shall not be deemed to include the use of a tax
service, or services for reconveyance, insurance or brokering REO Property. The
Servicer shall give prior written notice to the Master Servicer, the Trustee and
NIMs Insurer of the appointment of any sub-servicer and shall furnish to the
Master Servicer, the Trustee and NIMs Insurer a copy of such sub-servicing
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agreement. For purposes of this Agreement, the Servicer shall be deemed to have
received payments on Securitized Loans immediately upon receipt by any
sub-servicer of such payments. Any such sub-servicing agreement shall be
acceptable to the Master Servicer and the related Trustee and NIMs Insurer and
shall be consistent with and not violate the provisions of this Agreement. Each
sub-servicing agreement shall provide that a successor servicer shall have the
option to terminate such agreement without payment of any fees if the
predecessor Servicer is terminated or resigns.
(b) The Servicer, with the consent of the NIMs Insurer, may terminate
any sub-servicing agreement to which it is a party in accordance with the terms
and conditions of such sub-servicing agreement and either itself directly
service the related Securitized Loans or enter into a sub-servicing agreement
with a successor sub-servicer that qualifies under Section 7.04(a).
(c) Notwithstanding any sub-servicing agreement or the provisions of
this Agreement relating to agreements or arrangements between the Servicer and a
sub-servicer or reference to actions taken through a sub-servicer or otherwise,
the Servicer shall remain obligated and primarily liable to the Trustee, the
Master Servicer, the Trust and the Certificateholders for the servicing and
administering of the Securitized Loans in accordance with the provisions hereof
without diminution of such obligation or liability by virtue of such
sub-servicing agreements or arrangements or by virtue of indemnification from
the sub-servicer and to the same extent and under the same terms and conditions
as if the Servicer alone were servicing and administering the Securitized Loans.
The Servicer shall be entitled to enter into any agreement with a sub-servicer
for indemnification of the Servicer by such sub-servicer and nothing contained
in this Agreement shall be deemed to limit or modify such indemnification.
(d) In the event of a Subservicer Termination Trigger, the Servicer
shall terminate the related Subservicer at the direction of the NIMS Insurer.
Following such termination, the Servicer shall have the right to service such
Securitized Loans without the use of a Subservicer or to engage a new
Subservicer acceptable to the NIMS Insurer pursuant to a Subservicing Agreement,
which is not in conflict with the terms of this Agreement. Notwithstanding the
foregoing, the Servicer shall retain the ownership of all servicing rights with
respect to the related Securitized Loans and no such direction of termination of
a Subservicer shall be deemed to diminish such ownership.
Section 7.05 Inspection.
The Servicer shall offer each Trustee, NIMs Insurer and the Master
Servicer, upon reasonable advance notice, during normal business hours, access
to all records maintained by the Servicer in respect of its rights and
obligations hereunder and access to officers of the Servicer responsible for
such obligations. Upon request, the Servicer shall furnish to each Trustee, NIMs
Insurer and the Master Servicer its most recent publicly available financial
statements and such other information relating to its capacity to perform its
obligations under this Agreement.
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ARTICLE VIII.
TERMINATION
Section 8.01 Termination for Cause.
This Agreement shall be terminable at the option of the Master Servicer
or the related Trustee if any of the following events of default exist on the
part of the Servicer:
(i) any failure by the Servicer to remit to the Master
Servicer any payment required to be made under the terms of this Agreement which
continues unremedied for a period of one Business Day after the date upon which
written notice of such failure, requiring the same to be remedied, shall have
been received by the Servicer from the Master Servicer, the NIMs Insurer or a
related Trustee; or
(ii) failure by the Servicer duly to observe or perform in any
material respect any other of the covenants or agreements on the part of the
Servicer set forth in this Agreement (except with respect to its obligations
under Section 5.02, 5.03 or 5.04) which continues unremedied for a period of 15
days following the Servicer's receipt of written notice of such failure from the
Master Servicer, the NIMs Insurer or a related Trustee; or
(iii) failure by the Servicer to maintain its license or to
cause its designated sub-servicer to do business or service residential
Securitized Loans in any jurisdiction, if required by such jurisdiction, where a
Mortgaged Property is located; or
(iv) 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, readjustment of debt, including bankruptcy,
marshaling of assets and liabilities or similar proceedings, or for the
winding-up or liquidation of its affairs, shall have been entered against the
Servicer and such decree or order shall have remained in force undischarged or
unstayed for a period of 60 days; or
(v) the Servicer shall consent to the appointment of a
conservator or receiver or liquidator in any insolvency, readjustment of debt,
marshaling of assets and liabilities or similar proceedings of or relating to
the Servicer or of or relating to all or substantially all of its property; or
(vi) the Servicer 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, bankruptcy or reorganization statute, make an assignment
for the benefit of its creditors, voluntarily suspend payment of its obligations
or cease its normal business operations for three Business Days; or
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(vii) the Servicer ceases to meet or to cause its designated
sub-servicer to meet the qualifications of a Xxxxxx Xxx or Xxxxxxx Mac
seller/servicer; or
(viii) the Servicer attempts to assign the servicing of the
Securitized Loans or its right to servicing compensation hereunder or the
Servicer 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, in each case without complying fully with the provisions of Section
7.03 or Section 7.04; or
(ix) failure by the Servicer to duly perform, within the
required time period, its obligations under Sections 5.02, 5.03 or 5.04 which
failure continues unremedied for a period of fifteen (15) days after the date on
which written notice of such failure, requiring the same to be remedied, shall
have been given to the Servicer by any party to this Servicing Agreement, by the
NIMs Insurer or by any master servicer responsible for master servicing the
Securitized Loans pursuant to a securitization of such Securitized Loans.
In each and every such case, so long as an event of default shall not
have been remedied within the applicable cure period, in addition to whatever
rights the Master Servicer or a related Trustee may have at law or equity to
damages, including injunctive relief and specific performance, the Trustee or
the Master Servicer, by notice in writing to the Servicer, and with the consent
of the other party, may (and, at the request of the NIMs Insurer, shall)
terminate all the rights and obligations of the Servicer under this Agreement
and in and to the servicing contract established hereby and the proceeds
thereof.
Upon receipt by the Servicer of such written notice, all authority and
power of the Servicer under this Agreement, whether with respect to the
Securitized Loans or otherwise, shall pass to and be vested in a successor
servicer appointed by the Trustee or the Master Servicer, as the case may be,
with the consent of the other party and the NIMs Insurer. Upon written request
from the Master Servicer, the Servicer shall prepare, execute and deliver to the
successor servicer or the Trustee any and all documents and other instruments,
place in such successor's possession all Servicing Files, and do or cause to be
done all other acts or things necessary or appropriate to effect the purposes of
such notice of termination, including but not limited to the transfer and
endorsement or assignment of the Securitized Loans and related documents, at the
Servicer's sole expense. The Servicer shall cooperate with the Master Servicer
and such successor in effecting the termination of the Servicer'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 Servicer to the Custodial Account or Escrow
Account or thereafter received with respect to the Securitized Loans.
By a written notice, the Trustee or the Master Servicer, with the
consent of the other parties and the NIMs Insurer, may waive any default by the
Servicer in the performance of its obligations hereunder and its consequences.
Upon any waiver of a past default, such default shall cease to exist, and any
Event of Default arising therefrom shall be deemed to have been
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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.
Section 8.02 Termination Without Cause.
(a) This Agreement shall terminate upon: (i) the later of (a) the
distribution of the final payment or liquidation proceeds on the last
Securitized Loan to the Master Servicer or the Trust, and (b) the disposition of
all REO Property acquired upon foreclosure of the last Securitized Loan and the
remittance of all funds due hereunder or (ii) mutual consent of the Servicer and
the Master Servicer in writing, provided such termination is also acceptable to
the applicable Rating Agency or Rating Agencies and the NIMs Insurer. In
addition, with the prior written consent of the Master Servicer and the NIMs
Insurer, the Seller or its designee may terminate this Agreement with respect to
all of the Securitized Loans, without cause, provided, that the Seller or its
designee gives the Servicer 30 days' notice. Any such notice of termination
shall be in writing and delivered to the Servicer, NIMs Insurer and the Master
Servicer by registered mail to the address set forth in Section 9.03. The Seller
or its designee and the Servicer shall comply with the termination procedures
set forth in Section 9.01 hereof. All unreimbursed Servicing Fees, Servicing
Advances and Monthly Advances still owing the Servicer shall be paid by the
Seller or its designee or the successor servicer from its own funds within 5
Business Days of the date of such termination without right of reimbursement
from the Trust. In connection with any termination pursuant to clause (ii) of
the first sentence of this Section 8.02(a), all unreimbursed Servicing Fees,
Servicing Advances and Monthly Advances still owing the Servicer shall be paid
at the time of such termination by the Trust.
Upon a termination of the Servicer for cause pursuant to Section 8.01,
all unreimbursed Servicing Fees, Servicing Advances and Monthly Advances still
owing the Servicer shall be paid by the Trust as such amounts are received from
the related Securitized Loans. In connection with any termination pursuant to
the second sentence of this Section 8.02(a), the Seller or its designee or the
successor servicer will be responsible for reimbursing the Servicer for all
unreimbursed out-of-pocket Servicing Advances, Monthly Advances and Servicing
Fees and other reasonable and necessary out-of-pocket costs associated with any
transfer of servicing at the time of such transfer of servicing. Any invoices
received by the Servicer after termination will be forwarded to the Seller or
its designee, and the Seller or its designee or the successor servicer shall pay
such invoices within five (5) Business Days upon receipt from the Servicer.
(b) In the event that the Servicer decides to terminate its obligations
under this Agreement as set forth in clause (ii) of Section 8.02(a), the
Servicer agrees that it will continue to service the Securitized Loans beyond
the prescribed termination date until such time as the Trustee, using reasonable
commercial efforts, is able to appoint, with the consent of the NIMs Insurer, a
successor servicer acceptable to the NIMs Insurer and the Master Servicer and
otherwise meeting the characteristics of Sections 7.01 and 9.01.
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ARTICLE IX.
MISCELLANEOUS PROVISIONS
Section 9.01 Successor to the Servicer.
Simultaneously with the termination of the Servicer's responsibilities
and duties under this Agreement (a) pursuant to Sections 6.02, 7.03, 8.01 or
8.02(a)(ii), the Master Servicer shall (i) within 90 days of the Servicer's
receipt of notice of such termination, succeed to and assume all of the
Servicer's responsibilities, rights, duties and obligations under this Agreement
(except that the Master Servicer shall immediately assume all of the obligations
of the Servicer to make Monthly Advances), or (ii) appoint a successor
acceptable to the NIMs Insurer having the characteristics set forth in clauses
(i) and (ii) of Section 7.01 and which shall succeed to all rights and assume
all of the responsibilities, duties and liabilities of the Servicer under this
Agreement simultaneously with the termination of the Servicer's
responsibilities, duties and liabilities under this Agreement; or (b) as a
result of termination of the Servicer without cause by the Seller pursuant to
Section 8.02 hereof, the Seller shall appoint a successor acceptable to the NIMs
Insurer having the characteristics set forth in clauses (i) and (ii) of Section
7.01 and which shall succeed to all rights and assume all of the
responsibilities, duties and liabilities of the Servicer under this Agreement
simultaneously with the termination of the Servicer's responsibilities, duties
and liabilities under this Agreement. If the NIMs Insurer requests, the Master
Servicer shall appoint a successor servicer as provided in the preceding
sentence. Any successor to the Servicer shall be subject to the approval of the
Master Servicer and the Trustee and, to the extent required by the Trust
Agreement, shall be a member in good standing of the MERS system (if any of the
Securitized Loans are MERS Eligible Securitized Loans, unless such Securitized
Loans are withdrawn from MERS and Assignments of Mortgage are recorded in favor
of the Trust at the expense of the successor servicer). The final approval of a
successor servicer shall be conditioned upon the receipt by the Trustee, the
Master Servicer, NIMs Insurer and the Seller of a letter from the applicable
Rating Agency or Rating Agencies to the effect that such transfer of servicing
will not result in a qualification, withdrawal or downgrade of the then-current
rating of any of the Certificates. In connection with such appointment and
assumption, the Master Servicer or the Seller, as applicable, may make such
arrangements for the compensation of such successor out of payments on
Securitized Loans as it and such successor shall agree, provided, however, that
no such compensation shall be in excess of the Servicing Fee permitted under
this Agreement. In the event that the Servicer's duties, responsibilities and
liabilities under this Agreement should be terminated pursuant to the
aforementioned sections, the Servicer shall discharge such duties and
responsibilities during the period from the date it acquires knowledge of such
termination until the effective date thereof with the same degree of diligence
and prudence which it is obligated to exercise under this Agreement, and shall
take no action whatsoever that might impair or prejudice the rights or financial
condition of its successor. The resignation or removal of the Servicer pursuant
to the aforementioned sections shall not become effective until a successor
servicer shall be appointed pursuant to this Section 9.01, or until the Master
Servicer succeeds to and assumes all of the Servicer's responsibilities, rights,
duties and obligations pursuant to this Section 9.01, and shall in no event
relieve the Servicer of the representations and warranties made pursuant to
Section 6.01 and the remedies available to the
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Trustee, the Trust, the Master Servicer, NIMs Insurer and the Seller under
Section 6.02 and 6.03, it being understood and agreed that the provisions of
such Sections 6.01, 6.02 and 6.03 shall be applicable not only to such successor
servicer but also to the Servicer notwithstanding any such resignation or
termination of the Servicer, or the termination of this Agreement.
Notwithstanding the foregoing, the Master Servicer, in its capacity as successor
servicer, shall not be responsible for the lack of information and/or documents
that it cannot obtain through reasonable efforts.
Within a reasonable period of time, but in no event longer than 30 days
after the appointment of a successor entity, the Servicer shall prepare, execute
and deliver to the successor entity any and all documents and other instruments,
place in such successor's possession all Servicing Files, and do or cause to be
done all other acts or things necessary or appropriate to effect the purposes of
such notice of termination, including but not limited to the transfer and
endorsement of the Mortgage Notes and related documents, and the preparation and
recordation of Assignments of Mortgage. The Servicer shall cooperate with the
Master Servicer or the Seller, as applicable, and such successor in effecting
the termination of the Servicer's responsibilities and rights hereunder and the
transfer of servicing responsibilities to the successor servicer, 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 Servicer to the
Custodial Account or Escrow Account or thereafter received with respect to the
Securitized Loans.
Any successor servicer appointed as provided herein shall execute,
acknowledge and deliver to the Trustee, the Servicer, the Master Servicer, NIMs
Insurer and the Seller an instrument (i) accepting such appointment, wherein the
successor shall make the representations and warranties set forth in Section
6.01 (including a representation that the successor servicer is a member of
MERS, unless none of the Securitized Loans are MERS Securitized Loans or MERS
Eligible Securitized Loans or any such Securitized Loans have been withdrawn
from MERS and Assignments of Mortgage are recorded in favor of the Trust) and
provide for the same remedies set forth in Section 6.02 and Section 6.03 herein
(ii) an assumption of the due and punctual performance and observance of each
covenant and condition to be performed and observed by the Servicer under this
Agreement, whereupon such successor servicer shall become fully vested with all
the rights, powers, duties, responsibilities, obligations and liabilities of the
Servicer, with like effect as if originally named as a party to this Agreement.
Any termination or resignation of the Servicer or termination of this Agreement
pursuant to Sections 6.02, 7.03, 8.01 or 8.02 shall not affect any claims that
the Seller, the Depositor, the Master Servicer, NIMs Insurer or the Trustee may
have against the Servicer arising out of the Servicer's actions or failure to
act prior to any such termination or resignation. In addition, in the event any
successor servicer is appointed pursuant to Section 8.03 of this Agreement, such
successor servicer must satisfy the conditions relating to the transfer of
servicing set forth in the Trust Agreement.
The Servicer shall deliver promptly to the successor servicer the funds
in the Custodial Account and Escrow Account and all Securitized Loan documents
and related documents and statements held by it hereunder and the Servicer shall
account for all funds and shall execute and
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deliver such instruments and do such other things as may reasonably be required
to more fully and definitively vest in the successor all such rights, powers,
duties, responsibilities, obligations and liabilities of the Servicer.
Upon a successor's acceptance of appointment as such, the Servicer
shall notify the Trustee, the Master Servicer, NIMs Insurer, the Seller and the
Depositor of such appointment in accordance with the procedures set forth in
Section 9.03.
Section 9.02 Costs.
The Seller shall pay any legal fees and expenses of its attorneys.
Costs and expenses incurred in connection with the transfer of the servicing
responsibilities pursuant to Section 9.01 or pursuant to any other provision of
this Agreement, including fees for delivering Servicing Files, shall be paid by
the Seller. Subject to Sections 2.03 and 3.01(a), the Seller shall pay the costs
associated with the preparation, delivery and recording of Assignments of
Mortgages.
Section 9.03 Notices.
All demands, notices, consents, reports, directions, instructions,
statements and other communications hereunder shall be in writing and shall be
deemed to have been duly given if sent by facsimile or mailed by overnight
courier, addressed as follows (or such other address as may hereafter be
furnished to the other parties by like notice):
(i) if to the Seller:
Home Star Mortgage Services, LLC
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
Attention: Xxxxx Xxxxxxxxxxx
Facsimile: (000) 000-0000
(ii) if to the Servicer:
Home Star Mortgage Services, LLC
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
Attention: Xxxxx Xxxxxxxxxxx
Facsimile: (000) 000-0000
(iii) if to the Master Servicer:
Xxxxx Fargo Bank,
National Association
0000 Xxx Xxxxxxxxx Xxxx
Xxxxxxxx, Xxxxxxxx 00000
Attention: Corporate Trust Services -- Home Star
Master Servicing
Facsimile: (000) 000-0000
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(iv) if to the Trustee:
The address shown in the Transfer Notice
Any such communication hereunder shall be deemed to have been received
on the date delivered to or received at the premises of the addressee.
Section 9.04 Severability Clause.
Any part, provision, representation or warranty of this Agreement which
is prohibited or which is held to be void or unenforceable shall be ineffective
to the extent of such prohibition or unenforceability without invalidating the
remaining provisions hereof. Any part, provision, representation or warranty of
this Agreement which is prohibited or unenforceable or is held to be void or
unenforceable in any jurisdiction shall be ineffective, as to such jurisdiction,
to the extent of such prohibition or unenforceability without invalidating the
remaining provisions hereof, and any such prohibition or unenforceability in any
jurisdiction as to any Securitized Loan shall not invalidate or render
unenforceable such provision in any other jurisdiction. To the extent permitted
by applicable law, the parties hereto waive any provision of law which prohibits
or renders void or unenforceable any provision hereof. If the invalidity of any
part, provision, representation or warranty of this Agreement shall deprive any
party of the economic benefit intended to be conferred by this Agreement, the
parties shall negotiate, in good-faith, to develop a structure the economic
effect of which is as close as possible to the economic effect of this Agreement
without regard to such invalidity.
Section 9.05 No Personal Solicitation.
From and after the related Closing Date, the Servicer hereby agrees
that it will not take any action or permit or cause any action to be taken by
any of its agents or affiliates, or by any independent contractors or
independent mortgage brokerage companies on the Servicer's behalf, to
personally, by telephone or mail, solicit the Mortgagor under any Securitized
Loan for the purpose of refinancing such Securitized Loan; provided, that the
Servicer may solicit any Mortgagor for whom the Servicer has received a request
for verification of mortgage status, a request for demand for payoff, a
mortgagor initiated written or verbal communication indicating a desire to
prepay the related Securitized Loan, or the mortgagor initiates a title search,
provided further, it is understood and agreed that promotions undertaken by the
Servicer or any of its affiliates which (i) concern optional insurance products
or other additional projects or (ii) are directed to mailing lists or customers
of affiliated companies or the general public at large, including without
limitation, mass mailings based on commercially acquired mailing lists,
newspaper, radio and television advertisements shall not constitute solicitation
under this Section 9.05 nor is the Servicer prohibited from responding to
unsolicited requests or inquiries made by a Mortgagor or an agent of a
Mortgagor.
Section 9.06 Counterparts.
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This Agreement may be executed simultaneously in any number of
counterparts. Each counterpart shall be deemed to be an original, and all such
counterparts shall constitute one and the same instrument.
Section 9.07 Place of Delivery and Governing Law.
THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH,
THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF
THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH THE LAWS OF THE
STATE OF NEW YORK, NOTWITHSTANDING NEW YORK OR OTHER CHOICE OF LAW RULES TO THE
CONTRARY.
Section 9.08 Further Agreements.
The Seller and the Servicer each agree to execute and deliver to the
other such reasonable and appropriate additional documents, instruments or
agreements as may be necessary or appropriate to effectuate the purposes of this
Agreement.
Section 9.09 Intention of the Parties.
It is the intention of the parties that the Seller is conveying, and
the Servicer is receiving, only a contract for servicing the Securitized Loans.
Accordingly, the parties hereby acknowledge that each Trust remains the sole and
absolute owner of the related Securitized Loans and all rights (other than the
servicing rights) related thereto.
Section 9.10 Successors and Assigns; Assignment of Servicing Agreement.
This Agreement shall bind and inure to the benefit of and be
enforceable by the Servicer, the Seller , each Trustee (with respect to related
Securitized Loans), the NIMs Insurer and the Master Servicer and their
respective successors and assigns. This Agreement shall not be assigned, pledged
or hypothecated by the Servicer to a third party except in accordance with
Section 7.03 and shall not be assigned, pledged or hypothecated by the Seller
except as and to the extent provided in Section 9.11.
Section 9.11 Assignment by Seller.
The Seller shall have the right, with the consent of the NIMs Insurer,
upon notice to but without the consent of the Servicer, to assign, in whole or
in part (but exclusive of such Seller's rights and obligations as owner of the
servicing rights relating to Securitized Loans), its interest under this
Agreement with respect to Securitized Loans which will be owned by the related
Trust to the related Depositor, which in turn shall assign such rights to such
Trust, and such Trust then shall succeed to all such rights of the Seller under
this Agreement. All references to the Seller in
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this Agreement shall be deemed to include its assignee or designee and any
subsequent assignee or designee, specifically including, with respect to each
Securitized Loan, the related Trust and the related Trustee.
Section 9.12 Amendment.
This Agreement may be amended in writing from time to time by the
parties, with the prior written consent of the Trustee and the NIMs Insurer;
provided that the party requesting such amendment shall, at its own expense,
provide the other parties and such Trustee and the NIMs Insurer with an Opinion
of Counsel that (i)such amendment is permitted under the terms of this
Agreement, (ii) the Servicer has complied with all applicable requirements of
this Agreement, and (iii)) such amendment will not materially adversely affect
the interest of any Trust or the related Certificateholders in the Securitized
Loans.
Any such amendment shall be deemed not to adversely affect in any
material respect any of the interest of Certificateholders in the Securitized
Loans if each related Trustee and the NIMs Insurer receives written confirmation
from the applicable Rating Agency or Rating Agencies that such amendment will
not cause such Rating Agency or Rating Agencies to reduce, qualify or withdraw
the then current rating assigned to the related Certificates (and any Opinion of
Counsel requested by a party in connection with any such amendment may rely
expressly on such confirmation as the basis therefor).
Section 9.13 Waivers.
No term or provision of this Agreement may be waived or modified unless
such waiver or modification is in writing, signed by the party against whom such
waiver or modification is sought to be enforced.
Section 9.14 Exhibits.
The exhibits to this Agreement are hereby incorporated and made a part
hereof and are an integral part of this Agreement.
Section 9.15 Intended Third Party Beneficiary.
Notwithstanding any provision herein to the contrary, the parties to
this Agreement agree that it is appropriate, in furtherance of the intent of
such parties as set forth herein, that each Trustee, each Trust and each NIMs
Insurer receive the benefit of the provisions of this Agreement as an intended
third party beneficiary of this Agreement to the extent of such provisions with
respect to the related Securitized Loans. The Servicer shall have the same
obligations to the related Trustee, the related Trust and the related NIMs
Insurer as if it were a party to this Agreement, and each Trustee, Trust and
NIMs Insurer shall have the same rights and remedies to enforce the provisions
of this Agreement as if it were a party to this Agreement. The
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Servicer shall only take direction from the Master Servicer or NIMs Insurer (if
direction by the Master Servicer or NIMs Insurer, as applicable, is required
under this Agreement) unless otherwise directed by this Agreement.
Notwithstanding the foregoing, all rights and obligations of a Trust, the
related Trustee, the related NIMs Insurer and the Master Servicer hereunder
(other than the right to indemnification) with respect to the related
Securitized Loans shall terminate upon the termination of such Trust pursuant to
the related Trust Agreement.
Section 9.16 Confidentiality.
The Trustee and the Master Servicer hereby agree to hold and treat all
Confidential Information (as defined below) in confidence and in accordance with
this Section 9.16. Such Confidential Information will not, without the prior
written consent of the Servicer, be disclosed or used by any Trustee or the
Master Servicer or by its subsidiaries, affiliates, directors, officers,
employees, agents or controlling persons (collectively, the "Information
Recipients") other than for the purposes of this Agreement or for the purposes
specified in the related Trust Agreement. Disclosure that is not in violation of
the Right to Financial Privacy Act of 1978, as amended, the Xxxxx-Xxxxx-Xxxxxx
Act of 1999 (the "G-L-B Act") or other applicable law by the Trustee or the
Master Servicer of any Confidential Information at the request of its outside
auditors or governmental regulatory authorities in connection with an
examination of any Trustee or the Master Servicer by any such authority or for
the purposes specified in any Trust Agreement or this Agreement shall not
constitute a breach of its obligations under this Section 9.19, and shall not
require the prior consent of the Servicer.
As used herein, "Confidential Information" means non-public personal
information (as defined in the G-L-B Act and its enabling regulations issued by
the Federal Trade Commission) regarding borrowers. Confidential Information
shall not include information which (i) is or becomes generally available to the
public other than as a result of disclosure by a Trustee or the Master Servicer
or any of its Information Recipients; (ii) was available to the related Trustee
or the Master Servicer on a non-confidential basis from a person or entity other
than the Servicer prior to its disclosure by the Servicer to such Trustee; (iii)
is required to be disclosed by a governmental authority or related governmental
agencies or as otherwise required by law; (iv) becomes available to the related
Trustee or the Master Servicer on a non-confidential basis from a person or
entity other than the Servicer who, to the best knowledge of the related Trustee
or the Master Servicer, is not otherwise bound by a confidentiality agreement
with the Servicer, and is not otherwise prohibited from transmitting the
information to such Trustee or the Master Servicer, or (v) is released pursuant
to the Trust Agreement or this Agreement.
Section 9.17 General Interpretive Principles.
For purposes of this Agreement, except as otherwise expressly provided
or unless the context otherwise requires:
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(a) the terms defined in this Agreement have the meanings assigned to
them in this Agreement and include the plural as well as the singular, and the
use of any gender herein shall be deemed to include the other gender;
(b) accounting terms not otherwise defined herein have the meanings
assigned to them in accordance with generally accepted accounting principles;
(c) references herein to "Articles", "Sections", "Subsections",
"Paragraphs", and other subdivisions without reference to a document are to
designated Articles, Sections, Subsections, Paragraphs and other subdivisions of
this Agreement;
(d) a reference to a Subsection without further reference to a Section
is a reference to such Subsection as contained in the same Section in which the
reference appears, and this rule shall also apply to Paragraphs and other
subdivisions;
(e) the words "herein", "hereof", "hereunder" and other words of
similar import refer to this Agreement as a whole and not to any particular
provision;
(f) the term "include" or "including" shall mean by reason of
enumeration; and
(g) this Agreement shall be construed as a separate agreement with
respect to the Securitized Loans held by each Trust, and references to the
rights of the Master Servicer, Trustee or any NIMs Insurer shall apply
separately with respect to each Trust.
Section 9.18 Reproduction of Documents.
This Agreement and all documents relating thereto, including, without
limitation, (a) consents, waivers and modifications which may hereafter be
executed, (b) documents received by any party at the closing, and (c) financial
statements, certificates and other information previously or hereafter
furnished, may be reproduced by any photographic, photostatic, microfilm,
micro-card, miniature photographic or other similar process. The parties agree
that any such reproduction shall be as admissible in evidence as the original
itself in any judicial or administrative proceeding, whether or not the original
is in existence and whether or not such reproduction was made by a party in the
regular course of business, and that any enlargement, facsimile or further
reproduction of such reproduction shall likewise be admissible in evidence.
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IN WITNESS WHEREOF, the parties hereto have caused their names to be
signed hereto by their respective officers thereunto duly authorized as of the
date first above written.
HOME STAR MORTGAGE SERVICES, LLC,
as Seller
By:
------------------------------
Name:
Title:
HOME STAR MORTGAGE SERVICES, LLC,
as Servicer
By:
------------------------------
Name:
Title:
XXXXX FARGO BANK, NATIONAL
ASSOCIATION,
as Master Servicer
By:
------------------------------
Name:
Title:
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EXHIBIT A
FORM OF TRANSFER NOTICE
[Date]
Home Star Mortgage Services, LLC, as Servicer
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
Cenlar FSB, as Sub-Servicer
X.X. Xxx 00000
000 Xxxxxxxx Xxxxxxxxx
Xxxxxxx, Xxx Xxxxxx 00000
You are hereby notified that as of [date] (the "Effective Date"), the
undersigned has transferred the Securitized Loans listed on the attached
schedule (the "Securitized Loans") to Homestar Mortgage Securities Trust 200_ -
__ (the "Trust"). The attached schedule also contains a field which sets forth
the Servicing Fee Rate(s) and the Prepayment Charge Schedule. You agree to
service such Securitized Loans as Securitized Loans under that certain Servicing
Agreement dated as of March 5, 2004 (the "Servicing Agreement"), by and among
Home Star Mortgage Services, LLC ("Home Star"), as servicer (the "Servicer"),
Home Star, as seller (the "Seller") and Xxxxx Fargo Bank, National Association,
as master servicer (the "Master Servicer"), and that certain Sub-Servicing
Acknowledgment Agreement dated of even date therewith (the "Sub-Servicing
Agreement"), by and between the Servicer and Cenlar FSB (the "Sub-Servicer"). In
addition, you shall recognize the Trust or the Master Servicer or
____________________ (the "Trustee"), acting as agents for the Trust, as having
the same rights as Home Star as Seller under the Servicng Agreement with respect
to such transferred Securitized Loans. The address for notice for the Trustee
for these Securitized Loans is __________________________________.
HOME STAR MORTGAGE SERVICES, LLC, as
Seller
By:
---------------------------------
Acknowledged by:
HOME STAR MORTGAGE SERVICES, LLC, as Servicer
By:
Name:
Title:
CENLAR FSB, as Sub-Servicer
M-1-62
By:
Name:
Title:
M-1-63
EXHIBIT B
CUSTODIAL ACCOUNT LETTER AGREEMENT
_______ __, 20__
To: ___________________________
___________________________
___________________________
(the "Depository")
As Servicer under the Servicing Agreement, dated as of March 5, 2004,
by and among Home Star Mortgage Services, LLC ("Home Star"), as servicer (the
"Servicer"), Home Star, as seller (the "Seller") and Xxxxx Fargo Bank, National
Association, as master servicer (the "Master Servicer") (the "Agreement"), we
hereby authorize and request you to establish an account as the Custodial
Account pursuant to Section 3.03 of the Agreement, to be designated as "Home
Star Mortgage Services, LLC, as Servicer for Xxxxx Fargo Bank, National
Association, as Master Servicer, and in trust for one or more Homestar Mortgage
Securities Trusts." All deposits in the account shall be subject to withdrawal
therefrom by order signed by the Servicer. This letter is submitted to you in
duplicate. Please execute and return one original to us.
HOME STAR MORTGAGE SERVICES, LLC, as Servicer
By:
Name:
Title:
The undersigned, as Depository, hereby certifies that the above
described account has been established under Account Number __________, at the
office of the Depository indicated above, and agrees to honor withdrawals on
such account as provided above.
___________________________
Depository
By:
Name:
Title:
Date:
M-1-64
EXHIBIT C
ESCROW ACCOUNT LETTER AGREEMENT
_______ __, 20__
To: ___________________________
___________________________
___________________________
(the "Depository")
As Servicer under the Servicing Agreement, dated as of March 5, 2004,
by and among Home Star Mortgage Services, LLC ("Home Star"), as servicer (the
"Servicer"), Home Star, as seller (the "Seller") and Xxxxx Fargo Bank, National
Association, as master servicer (the "Master Servicer") (the "Agreement"), we
hereby authorize and request you to establish an account as the Escrow Account
pursuant to Section 3.05 of the Agreement, to be designated as "Home Star
Mortgage Services, LLC, as Servicer for Xxxxx Fargo Bank, National Association,
as Master Servicer, and in trust for one or more Homestar Mortgage Securities
Trusts." All deposits in the account shall be subject to withdrawal therefrom by
order signed by the Servicer. This letter is submitted to you in duplicate.
Please execute and return one original to us.
HOME STAR MORTGAGE SERVICES, LLC, as Servicer
By:
Name:
Title:
The undersigned, as Depository, hereby certifies that the above
described account has been established under Account Number __________, at the
office of the Depository indicated above, and agrees to honor withdrawals on
such account as provided above.
______________________________
Depository
By:
Name:
Title:
Date:
M-1-65
EXHIBIT D
MONTHLY SERVICER REPORTING FORMAT
The format should be:
1. Record length of 240
2. ASCII
3. All dates should have DD of "01".
COBOL
# M/O Field Name Position Length "Picture" Justify
1. O Master Servicer No. 001-002 2
2. O Unit Code 003-004 2
3. M Loan Number 005-014 10 X(10)
4. O Borrower Name 015-034 20 X(20)
5. O Old Payment Amount 035-045 11 S(9)V9(02)
6. O Old Loan Rate 046-051 6 9(2)V9(04)
7. O Servicer Fee Rate 052-057 6 9(2)V9(04)
8. M Servicer Ending Balance 058-068 11 S9(9)V9(02)
9. M Servicer Next Due Date 069-076 8 CCYYMMDD
10. O Curtail Amt 1 - Before 077-087 11 S9(9)V9(02)
11. O Curtail Date 1 088-095 8 CCYYMMDD
12. O Curtail Amt 1 - After 096-106 11 S9(9)V9(02)
13 O Curtail Amt 2 - Before 107-117 11 S9(9)V9(02)
14. O Curtail Date 118-125 8 CCYYMMDD
15. O Curtail Amt 2 - After 126-136 11 9(9)V9(02)
16. O Curtail Amt 3 - Before 137-147 11 9(9)V9(02)
17. O Curtail Date 148-155 8 CCYYMMDD
18 O Curtail Amt 3 - After 156-166 11 9(9)V9(02)
19 O New Payment Amount 167-177 11 9(9)V9(02)
20. O New Loan Rate 178-183 6 (2)V9(04)
21. O Index Rate 184-189 6 (2)V9(04)
22. O Remaining Term 190-192 3 (3)
23. O Liquidation Amount 193-203 11 9(9)V9(02)
24. O Action Code 204-205 2 (02)
25. O Scheduled Principal 206-216 11 9(9)V9(02)
26. O Scheduled Interest 217-227 11 9(9)V9(02)
27. O Scheduled Ending Balance 228-238 11 9(9)V9(02)
28. O FILLER 239-240 2 (02)
Trailer Record
1. O Number of Records 001-006 6 9(06)
2. O FILLER 007-240 234 X(234)
M-1-66
Field Names and Descriptions:
Field Name Description
Master Servicer No. Hard code as "01" used internally
Unit Code Hard code as " " used internally
Loan Number Investor's loan number
Borrower Name Last name of borrower
Old Payment Amount P&I amount used for the applied payment
Old Loan Rate Gross interest rate used for the applied payment
Servicer Fee Rate Servicer's fee rate
Servicer Ending Balance Ending actual balance after a payment has been applied
Servicer Next Due Date Borrower's next due date for a payment
Curtailment Amount 1 - Before Amount of curtailment applied before the payment
Curtailment Date 1 Date of curtailment should coincide with the payment date
applicable to the curtailment
Curtailment Amount 1 - After Amount of curtailment applied after the payment
Curtailment Amount 2 - Before Amount of curtailment applied before the payment
Curtailment Date 2 Date of curtailment should coincide with the payment date
applicable to the curtailment
Curtailment Amount 2 - After Amount of curtailment applied after the payment
Curtailment Amount 3 - Before Amount of curtailment applied before the payment
Curtailment Date 3 Date of curtailment should coincide with the payment date
applicable to the curtailment
Curtailment Amount 3 - After Amount of curtailment applied after the payment
M-1-67
New Payment Amount For ARM, Equal, or Buydown loans, when a payment change
occurs, this is the scheduled payment
New Loan Rate For ARM loans, when the gross interest rate change occurs, this is the
scheduled rate
Index Rate For ARM loans, the index rate used in calculating the new
gross interest rate
Remaining Term For ARM loans, the number of months left on the loan used to
determine the new P&I amount
Liquidation Amount The payoff amount of the loan
Action Code For delinquent loans:
12 -- Relief Provisions
15 -- Bankruptcy/Litigation
20 -- Referred for Deed-in-lieu, short
sale 30 -- Referred to attorney to begin
foreclosure 60 -- Loan Paid in full 70
-- Real Estate Owned
Scheduled Principal Amount of principal from borrower payment due to
bondholder
Scheduled Interest Amount of interest from borrower payment due to bondholder
Scheduled Ending Balance Ending scheduled balance of loan
FILLER Should be filled with spaces
M-1-68
EXHIBIT E
Xxxxx Fargo Bank Master Servicing Default Reporting
DATA FIELD REQUIREMENTS
Data must be submitted to Xxxxx Fargo Bank in an Excel spreadsheet format with
fixed field names and data type. The Excel spreadsheet should be used as a
template consistently every month when submitting data.
Table: Delinquency
Name Type Character Size
Servicer Loan # Number (Double) 10
Investor Loan # Number (Double) 10
Servicer Investor # Text 3
Borrower Name Text 20
Xxxxxxx Xxxx 00
Xxxxx Xxxx 0
Xxx Xxxx 10
Due Date Date/Time 8
Xxxxx Fargo Action Code Text 2
FC Approval Date Date/Time 8
File Referred to Attorney Date/Time 8
NOD Date/Time 8
Complaint Filed Date/Time 8
Sale Published Date/Time 8
Target Sale Date Date/Time 8
Actual Sale Date Date/Time 8
Loss Mit Approval Date Date/Time 8
Loss Mit Type Text 5
Loss Mit Code Number 2
Loss Mit Estimated Completion Date Date/Time 8
Loss Mit Actual Completion Date Date/Time 8
Loss Mit Broken Plan Date Date/Time 8
BK Chapter Text 6
BK Filed Date Date/Time 8
Post Petition Due Date/Time 8
Motion for Relief Date/Time 8
Lift of Stay Date/Time 8
Reason For Delinquency Text 10
Occupant Code Text 10
Eviction Start Date Date/Time 8
Eviction Completed Date Date/Time 8
M-1-69
List Price Currency 8
List Date Date/Time 8
Accepted Offer Price Currency 8
Accepted Offer Date Date/Time 8
Estimated REO Effective Date Date/Time 8
Actual REO Sale Date Date/Time 8
Servicer Comments Text 200
Modification Exp. Date Date/Time 8
Xxxxxx Mae Del. Status Code Text 2
Xxxxxx Xxx Del. Reason Code Text 2
BK Discharge/Dismissal Date Date/Time 8
Property Damage Date Date/Time 8
Property Repair Amount Currency 8
BK Hearing Date Date/Time 8
POC Date Date/Time 8
POC Amount Currency 8
BK Case Number Text 30 Maximum
F/C Sale Amount Currency 8
Redemption Exp. Date Date/Time 8
Property Value Date Date/Time 8
Current Property Value Currency 8
Repaired Property Value Currency 8
BPO Y/N Text 1
Current LTV Currency 8
Property Condition Code Text 2
Property Inspection Date Date/Time 8
MI Cancellation Date Date/Time 8
MI Claim Filed Date Date/Time 8
MI Claim Amount Currency 8
MI Claim Reject Date Date/Time 8
MI Claim Resubmit Date Date/Time 8
MI Claim Paid Date Date/Time 8
MI Claim Amount Paid Currency 8
Pool Claim Filed Date Date/Time 8
Pool Claim Amount Currency 8
Pool Claim Reject Date Date/Time 8
Pool Claim Paid Date Date/Time 8
Pool Claim Amount Paid Currency 8
Pool Claim Resubmit Date Date/Time 8
FHA Part A Claim Filed Date Date/Time 8
FHA Part A Claim Amount Currency 8
FHA Part A Claim Paid Date Date/Time 8
FHA Part A Claim Paid Amount Currency 8
M-1-70
FHA Part B Claim Filed Date Date/Time 8
FHA Part B Claim Amount Currency 8
FHA Part B Paid Date Date/Time 8
FHA Part B Claim Paid Amount Currency 8
V A Claim Filed Date Date/Time 8
V A Claim Paid Date Date/Time 8
V A Claim Paid Amount Currency 8
The Action Code Field should show the applicable numeric code to indicate that a
special action is being taken. The Action Codes are the following:
12-Relief Provisions (i.e. Sailors & Soldiers Relief Act)
15-Bankruptcy/Litigation 20-Loss Mitigation-Workout 30-Referred for Foreclosure
00-Xxxxxx 00-Xxxxxxxxxx 00-XXX-Xxxx for Sale 71- Third Party Sale/Condemnation
72-REO-Pending Conveyance-Pool Insurance claim filed
Xxxxx Fargo Bank will accept alternative Action Codes to those above, provided
that the Codes are consistent with industry standards. If Action Codes other
than those above are used, the Servicer must supply Xxxxx Fargo Bank with a
description of each of the Action Codes prior to sending the file.
Description of Action Codes:
Action Code 12- To report a Securitized Loan for which the Borrower has been
granted relief for curing a delinquency.
Action Code 15 - To report a borrower filing bankruptcy and for all active
bankruptcies.
Action Code 20 - To report that the Borrower has agreed to some form of loss
mitigation/workout. Examples of these include Short Sale, Deed-in-Lieu of
Foreclosure, Formal Forbearance Agreements, Modifications, etc.
Action Code 30 - To report a loan that has been referred to attorney for
foreclosure.
Action Code 60 - To report that a Securitized Loan has been paid in full either
at, or prior to, maturity.
Action Code 65- To report that the Servicer is repurchasing the Securitized
Loan.
M-1-71
Action Code 70 -To report that a Securitized Loan has been foreclosed or a
deed-in-lieu of foreclosure has been accepted, and the Servicer, on behalf of
the owner of the Securitized Loan, has acquired the property and may dispose of
it.
Action Code 71 -To report that a Securitized Loan has been foreclosed and a
third party acquired the property, or a total condemnation of the property has
occurred.
Action Code 72 -To report that a Securitized Loan has been foreclosed, or a
deed-in-lieu has been accepted, and the property may be conveyed to the mortgage
insurer and the pool insurance claim has been filed. Also to be used for
completed HUDNA foreclosures where the property is pending conveyance to HUDNA.
The Loss Mit Type field should show the approved Loss Mitigation arrangement.
The following are acceptable:
*******
o ASU M - Approved Assumption
o BAP - Borrower Assistance Program
o CO - Charge Off
o DIL - Deed-in-Lieu
o FFA - Formal Forbearance Agreement
o MOD - Loan Modification
o PRE - Pre-Sale
o SS - Short Sale
o MISC- Anything else approved by the PMI or Pool Insurer
Xxxxx Fargo Bank will accept alternative Loss Mitigation Types to those above,
provided that they are consistent with industry standards. If Loss Mitigation
Types other than those above are used, the Servicer must supply Xxxxx Fargo Bank
with a description of each of the Loss Mitigation Types prior to sending the
file.
The Occupant Code field should show the current status of the property. The
acceptable codes are:
o Mortgagor
o Tenant
o Unknown
o Vacant
M-1-72
The RFD field should show the Reason for Default. The acceptable codes are
below, or we can accept Xxxxxx Mae Delinquency Reason Codes.
Delinquency Code Delinquency Description
AB Abandonment of property
AA Arm Adjustment Problem
BK Bankruptcy
06 Borrower Complaint
BOC Borrower Out of Country
BU Business Failure
CL Casualty Loss
JC Change in Job
CD Chronic Delinquent
CSP Chronic Slow Pay
CI Commission Income
DIF Death in Family
08 Deceased
00 Defective Loan
DT Delinquent Property Tax
FIRE Disability
DS Disregard
Dl Divorce
DD Domestic Difficulties
EA Earthquake
ENV Environmental
ECO Excessive Credit Obligation
FA Family Death
FE Family Emergency
FI Family Illness
FD Financial Difficulty
05 Foreclosure or Borrower
moved or skipped
FFP Formal Forbearance Plan
FR Fraud
G Garnishment
HU Hurricane
IT Illegal Transfer
B1 Illness of Borrower
IP Inability to Sell Property
IC Incarcerated
IN Income Reduction
LIT Involved in Litigation
IRS IRS Xxxx
XX Judgment
M-1-73
LB Language Barrier
LM Legal Matter
LS Legal Separation
MA Marital Difficulties
ME Medical
03 Medical/Illness in Family
MD Mortgagor Death
ND Natural Disaster
NC No Contact with borrower
NSF Non Sufficient Funds
09 Other
01 Over Obligated
OV Overextended
PAD Payment Dispute
PP Payment Plan Established
POP Payoff Pending
PE Pending Sale
PS Previous Servicer Problem
PB Promise to Pay Broken
PR Property Damage
PD Property Devaluation
REFI Refinance Pending
RELO Relocation (Job Related)
JRP Relocation (Personal)l
RE Rental
10 REO
SI Seasonal Income
SE Self Employed
SP Servicing Problems
SR Slow Receivables
02 Unemployed/Reduced Income
UE Unemployment
UK Unknown
UTP Unwilling to Pay
M-1-74
EXHIBIT F
XXXXX FARGO BANK, N.A.
Form 332
Calculation of Realized Loss
Purpose
To provide the Servicer with a form for the calculation of any Realized Loss (or
gain) as a result of a Securitized Loan having been foreclosed and Liquidated.
Distribution
The Servicer will prepare the form in duplicate and send the original together
with evidence of conveyance of title and appropriate supporting documentation to
the Master Servicer with the Monthly Accounting Reports which supports the
Securitized Loan's removal from the Securitized Loan Activity Report. The
Servicer will retain the duplicate for its own records.
Due Date
With respect to any liquidated Securitized Loan, the form will be submitted to
the Master Servicer no later than the date on which statements are due to the
Master Servicer under Section 4.02 of this Agreement (the "Statement Date") in
the month following receipt of final liquidation proceeds and supporting
documentation relating to such liquidated Securitized Loan; provided, that if
such Statement Date is not at least 30 days after receipt of final liquidation
proceeds and supporting documentation relating to such liquidated Securitized
Loan, then the form will be submitted on the first Statement Date occurring
after the 30th day following receipt of final liquidation proceeds and
supporting documentation.
Preparation Instructions
The numbers on the form correspond with the numbers listed below.
1. The actual Unpaid Principal Balance of the Securitized Loan.
2. The Total Interest Due less the aggregate amount of servicing fee that
would have been earned if all delinquent payments had been made as
agreed.
3-7. Complete as necessary. All line entries must be supported by copies of
appropriate statements, vouchers, receipts, canceled checks, etc., to
document the expense. Entries not properly documented will not be
reimbursed to the Servicer.
8. Accrued Servicing Fees based upon the Scheduled Principal Balance of
the Securitized Loan as calculated on a monthly basis.
10. The total of lines 1 through 9.
M-1-75
Credits
11-17. Complete as necessary. All line entries must be supported by copies of
the appropriate claims forms, statements, payment checks, etc. to
document the credit. If the Securitized Loan is subject to a Bankruptcy
Deficiency, the difference between the Unpaid Principal Balance of the
Note prior to the Bankruptcy Deficiency and the Unpaid Principal
Balance as reduced by the Bankruptcy Deficiency should be input on line
16.
18. The total of lines 11 through 17.
Total Realized Loss (or Amount of Any Gain)
19. The total derived from subtracting line 18 from 10. If the amount
represents a realized gain, show the amount in parenthesis ( )
M-1-76
XXXXX FARGO BANK, N.A.
CALCULATION OF REALIZED LOSS
XXXXX FARGO BANK, N.A. Trust: ___________________________
Prepared by: __________________ Date: _______________
Phone: ______________________
Servicer Loan No. Servicer Name Servicer Address
XXXXX FARGO BANK, N.A.
Loan No._____________________________
Borrower's Name:________________________________________________________
Property
Address:________________________________________________________________
Liquidation and Acquisition Expenses:
Actual Unpaid Principal Balance of Securitized Loan $ _______________(1)
Interest accrued at Net Rate ________________(2)
Attorney's Fees ________________(3)
Taxes ________________(4)
Property Maintenance ________________(5)
MI/Hazard Insurance Premiums ________________(6)
Hazard Loss Expenses ________________(7)
Accrued Servicing Fees ________________(8)
Other (itemize) ________________(9)
_________________________________________ $ _________________
_________________________________________ __________________
_________________________________________ __________________
_________________________________________ __________________
Total Expenses $ ______________(10)
Credits:
Escrow Balance $ ______________(11)
HIP Refund ________________(12)
Rental Receipts ________________(13)
Hazard Loss Proceeds ________________(14)
Primary Mortgage Insurance Proceeds ________________(15)
Proceeds from Sale of Acquired Property ________________(16)
Other (itemize) ________________(17)
_________________________________________ ___________________
_________________________________________ ___________________
Total Credits $________________(18)
Total Realized Loss (or Amount of Gain) $________________(19)
X-0-00
XXXXXXX X-0
SERVICING AGREEMENT FOR SUBPRIME LOANS
THIS IS A SERVICING AGREEMENT, dated as of March 5, 2004 (the "Agreement"), and
is executed between Homestar Mortgage Acceptance Corp. (the "Owner") and Home
Star Mortgage Services LLC (the "Servicer").
W I T N E S S E T H:
WHEREAS, the Owner and the Servicer desire that, from and after the
Effective Date, the Mortgage Loans which are subject to this Agreement will be
serviced by the Servicer on behalf of the Owner in accordance with the terms and
provisions of this Agreement.
NOW, THEREFORE, in consideration of the mutual agreements hereinafter
set forth, and for other good and valuable consideration, the receipt and
adequacy of which are hereby acknowledged, the Owner and the Servicer agree as
follows:
ARTICLE I
DEFINITIONS
Section 1.01. Defined Terms.
Whenever used in this Agreement, the following words and phrases,
unless the context otherwise requires, shall have the following meanings:
Accepted Servicing Practices: With respect to any Mortgage Loan, all
applicable federal, state and local laws and regulations and the standards
employed by the Servicer in servicing similar mortgage loans for its own
account, giving due consideration to those mortgage servicing practices and
procedures (including collection practices and procedures) of mortgage banking
institutions which service mortgage loans of the same type as such Mortgage Loan
in the jurisdiction where the related Mortgaged Property is located, giving due
consideration to customary and usual standards of practice of mortgage lenders
and loan servicers administering similar mortgage loans.
Adjustment Date: As to each ARM Loan, the date on which the Mortgage
Interest Rate is adjusted in accordance with the terms of the related Mortgage
Note and Mortgage.
Agreement: This Servicing Agreement including all exhibits hereto,
amendments hereof and supplements hereto.
Ancillary Income: All income derived from the Mortgage Loans (other
than the (i) Servicing Fee or (ii) prepayment charges attributable to the
Mortgage Loans), including but not
M-2-1
limited to late charges, any interest paid on funds deposited in the Custodial
Account and Escrow Account (other than interest on escrowed funds required by
law to be paid to the Mortgagor), fees received with respect to checks or bank
drafts returned by the related bank for non-sufficient funds, assumption fees,
optional insurance administrative fees and all other incidental fees and
charges.
ARM Loan: A first lien, conventional, 1-4 family residential Mortgage
Loan with an interest rate which adjusts from time to time in accordance with
the related Index and is subject to a Periodic Rate Cap and a Lifetime Rate Cap
and which may permit conversion to a fixed interest rate.
Business Day: Any day other than (i) a Saturday or Sunday, or (ii) a
legal holiday in the State of New York or the jurisdiction in which the Servicer
conducts its servicing activities, or (iii) a day on which banking and savings
and loan institutions in the State of New York or the jurisdiction in which the
Servicer conducts its servicing activities are authorized or obligated by law or
executive order to be closed.
Code: The Internal Revenue Code of 1986, as it may be amended from time
to time, or any successor statute thereto, and applicable U.S. Department of the
Treasury regulations issued pursuant thereto.
Condemnation Proceeds: All awards or settlements in respect of a
Mortgaged Property, whether permanent or temporary, partial or entire, by
exercise of the power of eminent domain or condemnation, to the extent not
required to be released to a Mortgagor in accordance with the terms of the
related Mortgage Loan Documents.
Custodial Account: The separate demand account or accounts created and
maintained pursuant to Section 4.04 which shall be entitled "HMAC 2004-1
Custodial Account in trust for [Owner], Owner of Whole Loan Mortgages" and shall
be established at a Qualified Depository.
Custodial Agreement: The Custodial Agreement dated as of March 1, 2004
among HSBC Bank (USA), the Owner and Xxxxx Fargo Bank, N.A., providing for the
custody of Mortgage Loan Documents.
Custodian: Xxxxx Fargo Bank, N.A, or such other Custodian as the Owner
shall designate.
Determination Date: The 15th day of any month, or if such 15th day is
not a Business Day, the first Business Day immediately preceding such 15th day.
Due Date: With respect to any Mortgage Loan, each day on which payments
of principal and interest are required to be paid in accordance with the terms
of the related Mortgage Note, exclusive of any days of grace.
M-2-2
Due Period: With respect to each Remittance Date, the period commencing
on the second day of the month preceding the month of such Remittance Date and
ending on the first day of the month of such Remittance Date.
Effective Date: March 5, 2004.
Escrow Account: The separate trust account or accounts created and
maintained pursuant to Section 4.06 which shall be entitled "HMAC 2004-1 Escrow
Account, in trust for [Owner], Owner of Whole Loan Mortgages and various
Mortgagors" and shall be established at a Qualified Depository.
Escrow Payments: With respect to any Mortgage Loan, the amounts
constituting ground rents, taxes, assessments, water rates, sewer rents,
municipal charges, mortgage insurance premiums, fire and hazard insurance
premiums, condominium charges, and any other payments required to be escrowed by
the Mortgagor with the mortgagee pursuant to the Mortgage or any other related
Mortgage Loan Document.
Escrow Mortgage Loan: The Mortgage Loans for which the Servicer has
established an Escrow Account for items constituting Escrow Payments.
Event of Default: Any one of the conditions or circumstances enumerated
in Section 9.01.
Xxxxxx Xxx: Xxxxxx Xxx, or any successor thereto.
Xxxxxx Mae Guide: The Xxxxxx Xxx Selling Guide and the Xxxxxx Mae
Servicing Guide and all amendments or additions thereto.
Fidelity Bond: A fidelity bond to be maintained by the Servicer
pursuant to Section 4.12.
Xxxxxxx Mac: The Federal Home Loan Mortgage Corporation, or any
successor thereto.
Xxxxxxx Mac Guide: The Xxxxxxx Mac Selling Guide and the Xxxxxxx Mac
Servicing Guide and all amendments or additions thereto.
Full Principal Prepayment: A Principal Prepayment made by a Mortgagor
of the entire principal balance of a Mortgage Loan.
GAAP: Generally accepted accounting principles and procedures,
consistently applied.
HUD: The United States Department of Housing and Urban Development or
any successor thereto.
M-2-3
Index: With respect to each ARM Loan, the index, as specified in the
related Mortgage Note, used to determine the Mortgage Interest Rate on each
Adjustment Date on such ARM Loan.
Index Rate: With respect to each ARM Loan, on each Adjustment Date, the
rate per annum equal to the Index, calculated as provided in the related
Mortgage Note.
Insurance Proceeds: With respect to each Mortgage Loan, proceeds of
insurance policies insuring the Mortgage Loan or the related Mortgaged Property.
Lifetime Rate Cap: With respect to each ARM Loan, the maximum Mortgage
Interest Rate over the term of such Mortgage Loan, as specified in the related
Mortgage Note.
Liquidation Proceeds: Cash received in connection with the liquidation
of a defaulted Mortgage Loan, whether through the sale or assignment of such
Mortgage Loan, trustee's sale, foreclosure sale or otherwise, other than amounts
received following the acquisition of an REO Property pursuant to Section 4.13.
Margin: With respect to each ARM Loan, the fixed percentage amount set
forth in the related Mortgage Note which is added to the Index in order to
determine the related Mortgage Interest Rate.
MERS: Mortgage Electronic Registration Systems, Inc., a Delaware
corporation, or any successor in interest thereto.
MERS Mortgage Loan: Any Mortgage Loan as to which the related Mortgage,
or an Assignment of Mortgage, has been or will be recorded in the name of MERS,
as nominee for the holder from time to time of the related Mortgage Note.
Monthly Advance: The portion of each Monthly Payment that is delinquent
with respect to each Mortgage Loan at the close of business on the Determination
Date required to be advanced by the Servicer pursuant to Section 5.03 on the
Business Day immediately preceding the Remittance Date of the related month.
Monthly Payment: With respect to each Mortgage Loan, the scheduled
monthly payment of principal and interest thereon which is payable by the
related Mortgagor under the related Mortgage Note.
Mortgage: The mortgage, deed of trust or other instrument securing a
Mortgage Note, which creates a lien on real property securing the Mortgage Note.
Mortgage Interest Rate: The annual rate at which interest accrues on
any Mortgage Loan in accordance with the provisions of the related Mortgage
Note, and in the case of an ARM Loan,
M-2-4
as adjusted from time to time on each Adjustment Date for such Mortgage Loan to
equal the Index Rate for such Mortgage Loan plus the Margin for such Mortgage
Loan, and subject to the limitations on such interest rate imposed by the
Periodic Rate Cap and the Lifetime Rate Cap.
Mortgage Loan: An individual Mortgage Loan described herein and as
further identified on the Mortgage Loan Schedule, which Mortgage Loan includes
without limitation the Mortgage Loan Documents, the Monthly Payments, Principal
Prepayments, Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds,
REO Disposition Proceeds and all other rights, benefits, proceeds and
obligations arising from or in connection with such Mortgage Loan.
Mortgage Loan Documents: With respect to each Mortgage Loan, the
original mortgage loan legal documents held by the Owner or by a Custodian on
the Owner's behalf.
Mortgage Loan Remittance Rate: With respect to each Mortgage Loan, the
annual rate of interest remitted to the Owner, which shall be equal to the
related Mortgage Interest Rate minus the Servicing Fee Rate.
Mortgage Loan Schedule: The schedule of Mortgage Loans attached hereto
as Exhibit A.
Mortgage Note: The note or other evidence of the indebtedness of a
Mortgagor secured by a Mortgage.
Mortgaged Property: The underlying real property securing repayment of
the debt evidenced by a Mortgage Note.
Mortgagor: The obligor on a Mortgage Note.
Non-Escrow Mortgage Loan: Any Mortgage Loan which is not an Escrow
Mortgage Loan.
Nonrecoverable Advance: Any Monthly Advance previously made by the
Servicer pursuant to Section 5.03 or any Servicing Advance which, in the good
faith judgment of the Servicer, will not be ultimately recoverable by the
Servicer from Liquidation Proceeds or other proceeds of the related Mortgage
Loan. The determination by the Servicer that is has made a Nonrecoverable
Advance, shall be evidenced by an Officer's Certificate of the Servicer
delivered to the Owner and the NIMs Insurer and detailing the reasons for such
determination.
Officers' Certificate: A certificate signed by the Chairman of the
Board, the Vice Chairman of the Board, the President, a Vice President or an
Assistant Vice President or by the Treasurer or the Secretary or one of the
Assistant Treasurers or Assistant Secretaries of the Servicer, and delivered to
the Owner as required by this Agreement.
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Opinion of Counsel: A written opinion of counsel, who may be an
employee of the party on behalf of whom the opinion is being given, reasonably
acceptable to the other party.
Owner: Homestar Mortgage Acceptance Corp., its successors in interest
and assigns.
Partial Principal Prepayment: A Principal Prepayment by a Mortgagor in
part but not in full of the outstanding principal balance of a Mortgage Loan.
Periodic Rate Cap: With respect to each ARM Loan, the maximum number of
percentage points by which the Mortgage Interest Rate may increase or decrease
on any Adjustment Date.
Permitted Investments: Any one or more of the following obligations or
securities:
(i) direct obligations of, and obligations the timely payment of which
are fully guaranteed by the United States of America or any agency or
instrumentality of the United States of America the obligations of which are
backed by the full faith and credit of the United States of America;
(ii) (a) demand or time deposits, federal funds or bankers' acceptances
issued by any depository institution or trust company incorporated under the
laws of the United States of America or any state thereof and subject to
supervision and examination by federal and/or state banking authorities,
provided that the commercial paper and/or the short-term deposit rating and/or
the long-term unsecured debt obligations or deposits of such depository
institution or trust company at the time of such investment or contractual
commitment providing for such investment are rated in one of the two highest
rating categories by each Rating Agency and (b) any other demand or time deposit
or certificate of deposit that is fully insured by the FDIC;
(iii) repurchase obligations with respect to (a) any security described
in clause (i) above or (b) any other security issued or guaranteed by an agency
or instrumentality of the United States of America, the obligations of which are
backed by the full faith and credit of the United States of America, in either
case entered into with a depository institution or trust company (acting as
principal) described in clause (ii)(a) above;
(iv) securities bearing interest or sold at a discount issued by any
corporation incorporated under the laws of the United States of America or any
state thereof that are rated in the highest rating categories by each Rating
Agency at the time of such investment or contractual commitment providing for
such investment; provided, however, that securities issued by any particular
corporation will not be Permitted Investments to the extent that investments
therein will cause the then outstanding principal amount of securities issued by
such corporation and held as Permitted Investments to exceed 10% of the
aggregate outstanding principal balances and amounts of all the Permitted
Investments;
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(v) commercial paper (including both non-interest-bearing discount
obligations and interest-bearing obligations payable on demand or on a specified
date not more than one year after the date of issuance thereof) which are rated
in the highest rating categories by each Rating Agency at the time of such
investment;
(vi) any other demand, money market or time deposit, obligation,
security or investment as may be acceptable to each Rating Agency and the NIMs
Insurer; and
(vii) any money market funds the collateral of which consists of
obligations fully guaranteed by the United States of America or any agency or
instrumentality of the United States of America the obligations of which are
backed by the full faith and credit of the United States of America (which may
include repurchase obligations secured by collateral described in clause (i))
and which money market funds are rated in one of the two highest rating
categories by each Rating Agency;
provided, however, that no instrument or security shall be a Permitted
Investment if such instrument or security evidences a right to receive only
interest payments with respect to the obligations underlying such instrument or
if such security provides for payment of both principal and interest with a
yield to maturity in excess of 120% of the yield to maturity at par; and
provided further that any such instrument or security must be payable on demand
or on a specified date not later than the Remittance Date on which amounts held
therein are required to be distributed.
Person: Any individual, corporation, partnership, joint venture,
association, joint-stock company, limited liability company, trust,
unincorporated organization, government or any agency or political subdivision
thereof.
Prepayment Interest Shortfall: With respect to any Mortgage Loan that
was subject to a Full Principal Prepayment or Partial Principal Prepayment
during any Due Period, which Full Principal Prepayment or Partial Principal
Prepayment was applied to such Mortgage Loan prior to such Mortgage Loan's Due
Date in such Due Period, the amount of interest (adjusted to the applicable
Mortgage Loan Remittance Rate) that would have accrued on the amount of such
Full Principal Prepayment or Partial Principal Prepayment during the period
commencing on the date as of which such Full Principal Prepayment or Partial
Principal Prepayment was applied to such Mortgage Loan and ending on the day
immediately preceding such Due Date, inclusive.
Primary Mortgage Insurance Policy: Each primary policy of mortgage
insurance, or any replacement policy therefor obtained by the Servicer pursuant
to Section 4.08.
Prime Rate: The prime rate of U.S. money center banks as published from
time to time in The Wall Street Journal.
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Principal Prepayment: Any payment or other recovery of principal on a
Mortgage Loan, full or partial, which is received in advance of its scheduled
Due Date, including any prepayment charge or premium thereon, and which is not
accompanied by an amount of interest representing scheduled interest due on any
date or dates in any month or months subsequent to the month of prepayment.
Qualified Depository: A deposit account or accounts maintained with a
federal or state chartered depository institution the deposits in which are
insured by the FDIC to the applicable limits and the short-term unsecured debt
obligations of which (or, in the case of a depository institution that is a
subsidiary of a holding company, the short-term unsecured debt obligations of
such holding company) are rated A-2 by Standard & Poor's Ratings Services or
Prime-1 by Xxxxx'x Investors Service, Inc. (or a comparable rating if another
rating agency is specified by the Owner by written notice to the Servicer) at
the time any deposits are held on deposit therein.
Qualified Insurer: An insurance company duly qualified as such under
the laws of the states in which the Mortgaged Properties are located, duly
authorized and licensed in such states to transact the applicable insurance
business and to write the insurance provided.
Rating Agency: Standard & Poor's Ratings Service, a division of The
McGraw Hill Companies Inc., Xxxxx'x Investors Service, Inc. or Fitch, Inc.
REMIC: A "real estate mortgage investment conduit" within the meaning
of Section 860D of the Code.
REMIC Provisions: The provisions of the federal income tax law relating
to a REMIC, which appear at Section 860A through 860G of Subchapter M of Chapter
1, Subtitle A of the Code, and related provisions, and regulations, rulings or
pronouncements promulgated thereunder, as the foregoing may be in effect from
time to time.
Remittance Date: The 18th day of any month, or if such 18th day is not
a Business Day, the first Business Day immediately preceding such 18th day. The
first Remittance Date shall occur on April 16, 2004.
REO Disposition: The final sale by the Servicer of any REO Property.
REO Disposition Proceeds: Amounts received by the Servicer in
connection with a related REO Disposition.
REO Property: A Mortgaged Property acquired by the Servicer on behalf
of the Owner as described in Section 4.13.
Servicer: Home Star Mortgage Services LLC, or any of its successors in
interest or any successor under this Agreement appointed as herein provided.
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Servicing Advances: All customary, reasonable and necessary
"out-of-pocket" costs and expenses (including reasonable attorneys' fees and
disbursements) incurred in the performance by the Servicer of its servicing
obligations relating to each Mortgage Loan, including the cost of (a) the
inspection, preservation, restoration and protection of the Mortgaged Property,
(b) any enforcement, administrative or judicial proceedings, or any legal work
or advice specifically related to servicing the Mortgage Loans, including
foreclosures, bankruptcies, condemnations, drug seizures, elections,
foreclosures by subordinate or superior lienholders, and other legal actions
incidental to the servicing of the Mortgage Loans (provided that such expenses
are reasonable and that the Servicer specifies the Mortgage Loan(s) to which
such expenses relate), (c) the management and liquidation of the Mortgaged
Property if the Mortgaged Property is acquired in full or partial satisfaction
of the Mortgage, (d) taxes, assessments, water rates, sewer rates and other
charges which are or may become a lien upon the Mortgaged Property, and Primary
Mortgage Insurance Policy premiums and fire and hazard insurance coverage and
(e) compliance with the obligations under Section 4.08.
Servicing Fee: With respect to each Mortgage Loan, the amount of the
annual fee the Owner shall pay to the Servicer, which shall, for a period of one
full month, be equal to one-twelfth of the product of (a) the applicable
Servicing Fee Rate and (b) the outstanding principal balance of such Mortgage
Loan. Such fee shall be payable monthly, computed on the basis of the same
principal amount and period respecting which any related interest payment on a
Mortgage Loan is computed. The obligation of the Owner to pay the Servicing Fee
is limited to, and the Servicing Fee is payable from the interest portion of
such Monthly Payments, Liquidation Proceeds, Insurance Proceeds, REO Disposition
Proceeds and Condemnation Proceeds collected by the Servicer or as otherwise
provided under Section 4.05.
Servicing Fee Rate: 0.50%.
Servicing File: The documents, records and other items pertaining to a
particular Mortgage Loan, and any additional documents relating to such Mortgage
Loan as are in, or as may from time to time come into, the Servicer's
possession.
Servicing Officer: Any officer of the Servicer involved in, or
responsible for, the administration and servicing of the Mortgage Loans whose
name appears on a list of servicing officers furnished by the Servicer to the
Owner upon request, as such list may from time to time be amended.
Trust Agreement: Any trust agreement, pooling and servicing agreement,
indenture or comparable documents by and among some or all of the Owner, the
Master Servicer and a Trustee (and which may include other parties) creating a
trust and/or otherwise effectuating a pass-through transfer.
Any capitalized terms used and not defined herein shall have the
meanings ascribed to such terms in the related Trust Agreement.
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ARTICLE II
SERVICING OF MORTGAGE LOANS; POSSESSION OF SERVICING FILES; BOOKS
AND RECORDS; DELIVERY OF MORTGAGE LOAN DOCUMENTS
Section 2.01 Servicing of Mortgage Loans.
The Servicer does hereby agree to service the Mortgage Loans, from and
after the Effective Date, pursuant to the terms of this Agreement. The Mortgage
Loans subject to this Agreement are described in the Mortgage Loan Schedule
attached hereto.
Section 2.02 Maintenance of Servicing Files.
The Servicer shall maintain a Servicing File consisting of all
documents necessary to service the Mortgage Loans. The possession of each
Servicing File by the Servicer is for the sole purpose of servicing the related
Mortgage Loan, and such retention and possession by the Servicer is in a
custodial capacity only. The Servicer acknowledges that the ownership of each
Mortgage Loan is vested in the Owner. All rights arising out of the Mortgage
Loans including all funds received on or in connection with the Mortgage Loans
and all records or documents with respect to the Mortgage Loans prepared by or
which come into the possession of the Servicer shall be received and held by the
Servicer for the sole purpose of servicing the Mortgage Loans and such retention
and possession by the Servicer is in a custodial capacity only in trust for the
exclusive benefit of the Owner as the owner of the related Mortgage Loans. Any
portion of the related Servicing Files retained by the Servicer shall be
appropriately identified in the Servicer's computer system to reflect clearly
the ownership of the related Mortgage Loans by the Owner. The Servicer shall
release its custody of the contents of the related Servicing Files only in
accordance with written instructions of the Owner, except when such release is
required as incidental to the Servicer's servicing of the Mortgage Loans, such
written instructions shall not be required.
Section 2.03 Books and Records.
The Servicer shall be responsible for maintaining, and shall maintain,
a complete set of books and records for the Mortgage Loans which shall be
appropriately identified in the Servicer's computer system to clearly reflect
the ownership of the Mortgage Loan by the Owner. In particular, the Servicer
shall maintain in its possession, available for inspection by the Owner, or its
designee and shall deliver to the Owner upon demand, evidence of compliance with
all federal, state and local laws, rules and regulations, and requirements of
Xxxxxx Xxx and Xxxxxxx Mac, as applicable, including documentation as to the
method used in determining the applicability of the provisions of the Flood
Disaster Protection Act of 1973, as amended, to the Mortgaged Property,
documentation evidencing insurance coverage and eligibility of any condominium
project for approval by Xxxxxx Mae and periodic inspection reports as required
by Section 4.13. To the extent that original documents are not required for
purposes of realization of Liquidation Proceeds or Insurance Proceeds, documents
maintained by the Servicer may be in the
M-2-10
form of microfilm or microfiche or such other reliable means of recreating
original documents, including optical imagery techniques . The Servicer shall
maintain with respect to each Mortgage Loan and shall make available for
inspection by the Owner or its designee, upon reasonable prior notice, the
related Servicing File (or copies thereof) during the time the Owner retains
ownership of a Mortgage Loan and thereafter in accordance with applicable laws
and regulations.
Section 2.04 Transfer of Mortgage Loans.
No transfer of a Mortgage Loan may be made unless such transfer is in
compliance with the terms hereof. For the purposes of this Agreement, the
Servicer shall be under no obligation to deal with any person with respect to
this Agreement or any Mortgage Loan unless a notice of the transfer of such
Mortgage Loan has been delivered to the Servicer in accordance with this Section
2.04. The Owner may, subject to the terms of this Agreement, sell and transfer
one or more of the Mortgage Loans in accordance with Section 11.10; provided,
however, that the transferee will not be deemed to be an Owner hereunder binding
upon the Servicer unless such transferee shall agree in writing to be bound by
the terms of this Agreement and an assignment and assumption of this Agreement
reasonably acceptable to the Servicer. The Owner also shall advise the Servicer
in writing of the transfer. Upon receipt of notice of the permitted transfer,
the Servicer shall xxxx its books and records to reflect such assignee's
ownership of the related Mortgage Loans, and the previous Owner shall be deemed
released from its obligations hereunder with respect to such Mortgage Loans from
and after the date of such sale or transfer without the necessity of any action
on the part of the Servicer. If the Servicer receives notification of a
transfer, including a final loan schedule, less than five (5) Business Days
before the last Business Day of the month, the Servicer's duties to remit and
report as required by Section 5 shall begin with the next Due Period.
Section 2.05 Delivery of Mortgage Loan Documents.
The Servicer shall forward to the Custodian on behalf of the Owner
original documents evidencing an assumption, modification, consolidation or
extension of any Mortgage Loan entered into in accordance with Section 4.01 or
6.01 promptly after their execution; provided, however, that the Servicer shall
provide the Custodian on behalf of the Owner with a certified true copy of any
such document submitted for recordation promptly after its execution, and shall
provide the original of any document submitted for recordation or a copy of such
document certified by the appropriate public recording office to be a true and
complete copy of the original promptly after receipt thereof, but in no event
later than 240 days after its execution, provided, however, that if delivery is
not completed within 240 days solely due to delays in making such delivery by
reason of the fact that such documents shall not have been returned by the
appropriate recording office, the Servicer shall continue to use its best
efforts to obtain such documents and effect delivery as soon as possible after
its receipt thereof.
M-2-11
From time to time the Servicer may have a need for Mortgage Loan
Documents to be released by the Custodian. If the Servicer shall require any of
the Mortgage Loan Documents, the Servicer shall notify the Custodian in writing
of such request in the form of the request for release attached hereto as
Exhibit D. During the time that any such documentation is held by the Servicer,
such possession is in trust for the benefit of the Owner, and the Servicer shall
return such documentation to the Custodian upon the request of the Owner or when
the Servicer's need therefore no longer exists.
Section 2.06 Tax Service Contracts.
In the event that a Mortgage Loan is not subject to a fully assignable
life of loan tax servicer contract with Fidelity National Real Estate Tax
Service which is assignable to the Servicer or any subsequent Servicer without
the payment of any cost or fee, the Servicer shall acquire a tax service
contract for any such Mortgage Loan. The Servicer shall deliver an invoice to
the Owner with respect to the costs of acquiring such tax service contracts, and
Owner shall remit the cost of such tax service contracts to the Servicer within
ten business days of receipt of invoice.
ARTICLE III
REPRESENTATIONS AND WARRANTIES OF THE SERVICER AND THE OWNER
Section 3.01 Representations of the Servicer.
The Servicer hereby represents, warrants and covenants to the Owner
that, as of the Effective Date:
(a) The Servicer is duly organized, validly existing and in good
standing under the laws of the jurisdiction of its organization and has all
licenses necessary to carry on its business as now being conducted and is
licensed, qualified and in good standing in each state where a Mortgaged
Property is located if the laws of such state require licensing or qualification
in order to conduct business of the type conducted by the Servicer, and in any
event the Servicer is in compliance with the laws of any such state to the
extent necessary to ensure the enforceability of the related Mortgage Loan and
the servicing of such Mortgage Loan in accordance with the terms of this
Agreement; the Servicer has the full corporate power and authority to execute
and deliver this Agreement and to perform in accordance herewith; the execution,
delivery and performance of this Agreement (including all instruments of
transfer to be delivered pursuant to this Agreement) by the Servicer and the
consummation of the transactions contemplated hereby have been duly and validly
authorized; this Agreement evidences the valid, binding and enforceable
obligation of the Servicer; and all requisite corporate action has been taken by
the Servicer to make this Agreement valid and binding upon the Servicer in
accordance with its terms;
(b) The consummation of the transactions contemplated by this Agreement
are in the ordinary course of business of the Servicer, who is in the business
of servicing loans;
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(c) There is no action, suit, proceeding or investigation pending or
threatened against the Servicer which, either in any one instance or in the
aggregate, may result in any material adverse change in the business,
operations, financial condition, properties or assets of the Servicer, or in any
material impairment of the right or ability of the Servicer to carry on its
business substantially as now conducted, or in any material liability on the
part of the Servicer, or which would draw into question the validity of this
Agreement or the Mortgage Loans or of any action taken or to be contemplated
herein, or which would be likely to impair materially the ability of the
Servicer to perform under the terms of this Agreement;
(d) No consent, approval, authorization or order of any court or
governmental agency or body is required for the execution, delivery and
performance by the Servicer of or compliance by the Servicer with this
Agreement, or if required, such approval has been obtained prior to the
Effective Date;
(e) The Servicer is an approved seller/servicer of conventional
residential mortgage loans for Xxxxxx Mae or Xxxxxxx Mac, with the facilities,
procedures, and experienced personnel necessary for the sound servicing of
mortgage loans of the same type as the Mortgage Loans. The Servicer is a HUD
approved mortgagee and is in good standing to service mortgage loans for Xxxxxx
Mae or Xxxxxxx Mac, and no event has occurred, including but not limited to a
change in insurance coverage, which would make the Servicer unable to comply
with Xxxxxx Mae or Xxxxxxx Mac eligibility requirements or which would require
notification to either Xxxxxx Mae or Xxxxxxx Mac;
(f) Neither this Agreement nor any statement, report or other document
furnished or to be furnished pursuant to this Agreement or in connection with
the transactions contemplated hereby contains any untrue statement of fact or
omits to state a fact necessary to make the statements contained therein, in
light of the circumstances under which they were made, not misleading; and
(g) No Waiver of prepayment charges. The Servicer will not waive any
prepayment charge unless it is waived in accordance with the standard set forth
in Section 4.16.
Section 3.02 Representations of the Owner.
The Owner represents, warrants and covenants to the Servicer as of the
Effective Date:
(a) The Owner is duly organized, validly existing and in good standing
under the laws of the jurisdiction of its organization;
(b) The Owner has the full power and authority to execute and deliver
this Agreement and to perform in accordance herewith; the execution, delivery
and performance of this Agreement (including all instruments of transfer to be
delivered pursuant to this Agreement) by the Owner and the consummation of the
transactions contemplated hereby have been duly and
M-2-13
validly authorized; this Agreement evidences the valid, binding and enforceable
obligation of the Owner; and all requisite action has been taken by the Owner to
make this Agreement valid and binding upon the Owner in accordance with its
terms; and
(c) The Owner holds the entire legal and beneficial title to each
Mortgage Loan. The information provided to Servicer by Owner, and each Mortgage
File, is complete, true and accurate in all material respects.
ARTICLE IV
ADMINISTRATION AND SERVICING OF MORTGAGE LOANS
Section 4.01 Servicer to Act as Servicer.
The Servicer, as independent contract servicer, shall service and
administer the Mortgage Loans in accordance with this Agreement and with
Accepted Servicing Practices (giving due consideration to the Owner's reliance
on the Servicer), and shall have full power and authority, acting alone, to do
or cause to be done any and all things in connection with such servicing and
administration which the Servicer may deem necessary or desirable and consistent
with the terms of this Agreement and with Accepted Servicing Practices. If
reasonably required by the Servicer, the Owner shall furnish the Servicer with
any powers of attorney and other documents necessary or appropriate to enable
the Servicer to carry out its servicing and administrative duties under this
Agreement.
Consistent with the terms of this Agreement, the Servicer may, with the
consent of the NIMs Insurer, waive, modify or vary any term of any Mortgage Loan
or consent to the postponement of any such term or in any manner grant
indulgence to any Mortgagor if in the Servicer's reasonable and prudent
determination such waiver, modification, postponement or indulgence is not
materially adverse to the Owner; provided, however, that unless the related
Mortgagor is in default with respect to the Mortgage Loan or such default is, in
the judgment of the Servicer, reasonably foreseeable, the Servicer shall not
permit any modification with respect to any Mortgage Loan that would change the
Mortgage Interest Rate, forgive the payment of principal or interest, reduce or
increase the outstanding principal balance (except for actual payments of
principal) or change the final maturity date on such Mortgage Loan, and,
provided further, that the NIMs Insurer's prior written consent shall be
required for any modification, waiver or amendment if the aggregate number of
outstanding Mortgage Loans which have been modified, waived or amended exceeds
5% of the number of Mortgage Loans subject to this Agreement as of the Effective
Date. In the event of any such modification which permits the deferral of
interest or principal payments on any Mortgage Loan, the Servicer shall, on the
Business Day immediately preceding the related Remittance Date in any month in
which any such principal or interest payment has been deferred, deposit in the
Custodial Account from its own funds, in accordance with Section 4.04 and
Section 5.03, the difference between (a) such month's principal and one month's
interest at the related Mortgage Loan Remittance Rate on the unpaid principal
balance of such Mortgage Loan and (b) the amount paid by the Mortgagor. The
M-2-14
Servicer shall be entitled to reimbursement for such advances to the same extent
as for all other advances pursuant to Section 4.05. Without limiting the
generality of the foregoing, the Servicer shall continue, and is hereby
authorized and empowered, to prepare, execute and deliver, all instruments of
satisfaction or cancellation, or of partial or full release, discharge and all
other comparable instruments, with respect to the Mortgage Loans and with
respect to the Mortgaged Properties.
Notwithstanding anything in this Agreement to the contrary, if a REMIC
election is made, the Servicer shall not (unless the related Mortgagor is in
default with respect to the Mortgage Loan or such default is, in the judgment of
the Servicer, reasonably foreseeable) make or permit any modification, waiver or
amendment of any term of any Mortgage Loan that would both (i) effect an
exchange or reissuance of such Mortgage Loan under Section 1001 of the Code (or
Treasury regulations promulgated thereunder) and (ii) cause the related REMIC to
fail to qualify as a REMIC under the Code or the imposition of any tax on
"prohibited transactions" or "contributions" after the "startup date" of such
REMIC under the REMIC Provisions.
The Servicer shall perform all of its servicing responsibilities
hereunder or may, with the consent of the NIMs Insurer, cause a subservicer to
perform any such servicing responsibilities on its behalf, but the use by the
Servicer of a subservicer shall not release the Servicer from any of its
obligations hereunder and the Servicer shall remain responsible hereunder for
all acts and omissions of each subservicer as fully as if such acts and
omissions were those of the Servicer. Any such subservicer must be a Xxxxxx Xxx
approved seller/servicer or a Xxxxxxx Mac approved seller/servicer in good
standing and no event shall have occurred, including but not limited to, a
change in insurance coverage, which would make it unable to comply with the
eligibility requirements for seller/servicers imposed by Xxxxxx Xxx or Xxxxxxx
Mac, or which would require notification to Xxxxxx Mae or Xxxxxxx Mac. The
Servicer shall pay all fees and expenses of each subservicer from its own funds,
and a subservicer's fee shall not exceed the Servicing Fee.
At the cost and expense of the Servicer, without any right of
reimbursement from the Custodial Account, with the consent of the NIMs Insurer,
the Servicer 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 meeting the requirements in the preceding paragraph;
provided, however, that nothing contained herein shall be deemed to prevent or
prohibit the Servicer, at the Servicer's option, with the consent of the NIMs
Insurer, from electing to service the related Mortgage Loans itself. In the
event that the Servicer's responsibilities and duties under this Agreement are
terminated pursuant to Section 8.04, 9.01 or 10.01, and if requested to do so by
the Owner or the NIMs Insurer, the Servicer shall at its own cost and expense
terminate the rights and responsibilities of each subservicer effective as of
the date of termination of the Servicer. The Servicer shall pay all fees,
expenses or penalties necessary in order to terminate the rights and
responsibilities of each subservicer from the Servicer's own funds without
reimbursement from the Owner. Each subservicing agreement shall provide that a
successor servicer shall have the option to terminate such agreement with
payment of any fees if the predecessor Servicer is terminated or resigns.
M-2-15
Notwithstanding any of the provisions of this Agreement relating to
agreements or arrangements between the Servicer and a subservicer or any
reference herein to actions taken through a subservicer or otherwise, the
Servicer shall not be relieved of its obligations to the Owner and shall be
obligated to the same extent and under the same terms and conditions as if it
alone were servicing and administering the Mortgage Loans. The Servicer shall be
entitled to enter into an agreement with a subservicer for indemnification of
the Servicer 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 Mortgage Loans involving a subservicer shall be deemed to be
between such subservicer and Servicer alone, and the Owner shall have no
obligations, duties or liabilities with respect to such Subservicer including no
obligation, duty or liability of Owner to pay such subservicer's fees and
expenses. For purposes of distributions and advances by the Servicer pursuant to
this Agreement, the Servicer shall be deemed to have received a payment on a
Mortgage Loan when a subservicer has received such payment.
Section 4.02 Collection of Mortgage Loan Payments.
Continually from the date hereof until the date each Mortgage Loan
ceases to be subject to this Agreement, the Servicer shall proceed with
reasonable diligence and in accordance with Accepted Servicing Practices, to
collect all payments due under each Mortgage Loan when the same shall become due
and payable. Further, the Servicer shall take reasonable care in ascertaining
and estimating annual ground rents, taxes, assessments, water rates, fire and
hazard insurance premiums, mortgage insurance premiums, and all other charges
that, as provided in the Mortgage Loan Documents, will become due and payable to
the end that the installments payable by the Mortgagors will be sufficient to
pay such charges as and when they become due and payable.
Section 4.03 Realization Upon Defaulted Mortgage Loans.
The Servicer shall use its reasonable efforts, consistent with Accepted
Servicing Practices, to foreclose upon or otherwise comparably convert the
ownership of 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 pursuant to Section 4.01. The Servicer shall
use its reasonable efforts to realize upon defaulted Mortgage Loans in such
manner as will maximize the receipt of principal and interest by the Owner,
taking into account, among other things, the timing of foreclosure proceedings.
The foregoing is subject to the provisions that, in any case in which any
Mortgaged Property shall have suffered damage, the Servicer shall not be
required to expend its own funds toward the restoration of such property unless
it shall determine in its discretion (i) that such restoration will increase the
proceeds of liquidation of the related Mortgage Loan to the Owner after
reimbursement to itself for such expenses, and (ii) that such expenses will be
recoverable by the Servicer through Insurance
M-2-16
Proceeds or Liquidation Proceeds from the related Mortgaged Property, as
contemplated in Section 4.05. The Servicer shall be responsible for all costs
and expenses incurred by it in any such proceedings or functions as Servicing
Advances; provided, however, that it shall be entitled to reimbursement therefor
as provided in Section 4.05. Notwithstanding anything to the contrary contained
herein, in connection with a foreclosure or acceptance of a deed in lieu of
foreclosure, in the event the Servicer has reasonable cause to believe that a
Mortgaged Property is contaminated by hazardous or toxic substances or wastes,
or if the Owner otherwise requests an environmental inspection or review of such
Mortgaged Property, such an inspection or review is to be conducted by a
qualified inspector. Upon completion of the inspection, the Servicer shall
promptly provide the Owner and the NIMs Insurer with a written report of the
environmental inspection. After reviewing the environmental inspection report,
the Owner (with the consent of the NIMs Insurer) shall direct the Servicer as to
how the Servicer shall proceed with respect to the Mortgaged Property, and the
Servicer shall follow the Owner's directions with respect thereto.
Section 4.04 Establishment of Custodial Accounts; Deposits in Custodial
Accounts.
The Servicer shall segregate and hold all funds collected and received
pursuant to each Mortgage Loan separate and apart from any of its own funds and
general assets and shall establish and maintain one or more Custodial Accounts.
Any funds in a Custodial Account may be invested in Permitted Investments for
the benefit of the Owner (with any income earned thereon for the benefit of the
Servicer), provided that in the event that amounts on deposit in the Custodial
Account exceed the amount fully insured by the FDIC (the "Insured Amount"), the
Servicer shall be obligated to invest the excess amount over the Insured Amount
in Permitted Investments on the same Business Day as such excess amount becomes
present in the Custodial Account. Any such Permitted Investment shall mature no
later than the Business Day immediately preceding the related Remittance Date.
Funds deposited in the Custodial Account may be drawn on by the Servicer only in
accordance with Section 4.05. The creation of any Custodial Account shall be
evidenced by an account certification in the form shown in Exhibit B hereto. The
original of such account certification shall be furnished to the Owner, or a
copy to the NIMs Insurer, upon reasonable request. The NIMs Insurer, Master
Servicer and the Trustee shall be notified of any change in the location of the
Custodial Account. The Servicer acknowledges and agrees that the Servicer shall
bear any losses incurred with respect to Permitted Investments. The amount of
any such losses shall be immediately deposited by the Servicer in the Custodial
Account, out of the Servicer's own funds, with no right to reimbursement
therefor.
The Servicer shall deposit in the Custodial Account within two (2)
Business Days of Servicer's receipt, and retain therein, the following
collections:
(i) all payments on account of principal, including Principal
Prepayments, on the Mortgage Loans;
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(ii) all payments on account of interest on the Mortgage Loans adjusted
to the related Mortgage Loan Remittance Rate;
(iii) all Liquidation Proceeds;
(iv) any net amounts received by the Servicer in connection with any
REO Property pursuant to Section 4.13;
(v) all Insurance Proceeds including amounts required to be deposited
pursuant to Sections 4.08, 4.10 and 4.11, other than proceeds to be held in a
restricted escrow account and applied to the restoration or repair of the
Mortgaged Property or released to the Mortgagor in accordance with Accepted
Servicing Practices, the Mortgage Loan Documents or applicable law;
(vi) all Condemnation Proceeds affecting any Mortgaged Property other
than proceeds to be held in a restricted escrow account and applied to the
restoration or repair of the Mortgaged Property or released to the Mortgagor in
accordance with Accepted Servicing Practices, the Mortgage Loan Documents or
applicable law;
(vii) any Monthly Advances as provided in Section 5.03;
(viii) any amounts required to be deposited in the Custodial Account
pursuant to Sections 4.01, 4.14, 6.01 and 6.02; and
(ix) with respect to each Full Principal Prepayment or Partial
Principal Prepayment, any Prepayment Interest Shortfall, to the extent of the
Servicer's aggregate Servicing Fee received with respect to the related Due
Period (the "Compensating Interest Amount").
The foregoing requirements for deposit in the Custodial Account shall
be exclusive, it being understood and agreed that, without limiting the
generality of the foregoing, payments in the nature of Servicing Fees and
Ancillary Income need not be deposited by the Servicer in the Custodial Account
and may be retained by the Servicer as compensation.
Section 4.05 Permitted Withdrawals From the Custodial Account.
The Servicer may, from time to time, make withdrawals from the
Custodial Account for the following purposes:
(i) to make payments to the Owner in the amounts and in the manner
provided for in Section 5.01;
(ii) to reimburse itself for Monthly Advances, the Servicer's right to
reimburse itself pursuant to this subclause (ii) being limited to amounts
received on the related Mortgage Loan
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which represent late collections (net of the related Servicing Fees) of
principal and/or interest respecting which any such Monthly Advance was made;
(iii) to reimburse itself for unreimbursed Servicing Advances and
Monthly Advances and unpaid Servicing Fees, the Servicer's right to reimburse
itself pursuant to this subclause (iii) with respect to any Mortgage Loan being
limited to Liquidation Proceeds, Condemnation Proceeds, and Insurance Proceeds
and REO Disposition Proceeds related to such Mortgage Loan;
(iv) to pay to itself as servicing compensation (a) any interest earned
on funds in the Custodial Account (all such interest to be withdrawn monthly not
later than each Remittance Date) and (b) any Servicing Fee to which the Servicer
is entitled in accordance with the terms hereof to the extent such Servicing Fee
has not been paid to or retained by the Servicer;
(v) to reimburse itself for any Nonrecoverable Advances;
(vi) to transfer funds to another Qualified Depository in accordance
with Section 4.09 hereof;
(vii) to remove funds deposited in the Custodial Account in error by
the Servicer; and
(viii) to clear and terminate the Custodial Account upon the
termination of this Agreement.
Section 4.06 Establishment of Escrow Accounts; Deposits in Escrow
Accounts.
The Servicer shall segregate and hold all funds collected and received
pursuant to each Mortgage Loan which constitute Escrow Payments separate and
apart from any of its own funds and general assets and shall establish and
maintain one or more Escrow Accounts. Any funds deposited in an Escrow Account
may be invested in Permitted Investments. Funds deposited in an Escrow Account
may be drawn on by the Servicer in accordance with Section 4.07. The creation of
any Escrow Account shall be evidenced by an account certification in the form
shown in Exhibit C. The original of such account certification shall be
furnished to the Owner upon request. The Servicer acknowledges and agrees that
the Servicer shall bear any losses incurred with respect to Permitted
Investments. The amount of any such losses shall be immediately deposited by the
Servicer in the Escrow Account out of the Servicer's own funds, with no right to
reimbursement therefor.
The Servicer shall deposit in the Escrow Account or Accounts within two
(2) Business Days of Servicer's receipt, and retain therein:
(i) all Escrow Payments collected on account of the Mortgage Loans, for
the purpose of effecting timely payment of any items as are required under the
terms of this Agreement; and
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(ii) all Servicing Advances for Mortgagors whose Escrow Payments are
insufficient to cover escrow disbursements.
The Servicer shall make withdrawals from an Escrow Account only to
effect such payments as are required under this Agreement, and for such other
purposes as shall be as set forth in and in accordance with Section 4.07. Except
as provided in Section 4.07, the Servicer shall be entitled to retain any
interest paid on funds deposited in an Escrow Account by the Qualified
Depository.
Section 4.07 Permitted Withdrawals From Escrow Account.
Withdrawals from the Escrow Account may be made by the Servicer only:
(i) to effect timely payments of ground rents, taxes, assessments,
water rates, fire and hazard insurance premiums, Primary Mortgage Insurance
Policy premiums, if applicable, and comparable items;
(ii) to reimburse the Servicer for any Servicing Advance made by the
Servicer with respect to a related Mortgage Loan but only from amounts received
on the related Mortgage Loan which represent late payments or collections of
Escrow Payments thereunder;
(iii) to refund to the Mortgagor any funds as may be determined to be
overages;
(iv) for transfer to the Custodial Account in connection with the
liquidation of a Mortgage Loan or an acquisition of REO Property;
(v) to pay to the Servicer, or to the Mortgagor to the extent required
by law, any interest paid on the funds deposited in the Escrow Account;
(vi) to remove funds placed in an Escrow Account in error by the
Servicer; and
(vii) to clear and terminate the Escrow Account on the termination of
this Agreement.
As part of its servicing duties, the Servicer shall pay to the
Mortgagors interest on funds in an Escrow Account, to the extent required by
law, and to the extent that interest earned on funds in the Escrow Account is
insufficient, shall pay such interest from its own funds, without any
reimbursement therefor.
Section 4.08 Payment of Taxes, Insurance and Other Charges, Maintenance
of Primary Mortgage Insurance Policies, Collections Thereunder.
With respect to each Mortgage Loan, the Servicer shall maintain
accurate records reflecting the status of ground rents, taxes, assessments,
water rates and other charges which are
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or may become a lien upon the Mortgaged Property and the status of Primary
Mortgage Insurance Policy premiums and fire and hazard insurance coverage and,
with regard to Escrow Mortgage Loans, shall obtain, from time to time, all bills
for the payment of such charges, including renewal premiums and shall effect
payment thereof prior to the applicable penalty or termination date and at a
time appropriate for securing maximum discounts allowable, employing for such
purpose deposits of the Mortgagor in the Escrow Account which shall have been
estimated and accumulated by the Servicer in amounts sufficient for such
purposes, as allowed under the terms of the Mortgage or applicable law. To the
extent that the Mortgage does not provide for Escrow Payments, the Servicer
shall use commercially reasonable efforts consistent with Accepted Servicing
Practices to determine that any such payments are made by the Mortgagor when
due. With regard to Escrow Mortgage Loans, the Servicer assumes full
responsibility for the timely payment of all such bills and shall effect timely
payments of all such bills irrespective of the Mortgagor's faithful performance
in the payment of same or the making of the Escrow Payments and shall make
advances from its own funds to effect such payments. With regard to Non-Escrow
Mortgage Loans, the Servicer shall make Servicing Advances to effect such
payments within such time period as to avoid the loss of the related Mortgaged
Property by foreclosure of a tax or other lien and to ensure that the Mortgaged
Property is not uninsured for any reason.
The Servicer shall maintain in full force and effect each Primary
Mortgage Insurance Policy, that as of the Effective Date, was in full force and
effect with respect to any Mortgage Loan. Such coverage will be maintained and
will not be waived by the Servicer except in accordance with applicable law. The
Servicer shall not cancel, except in accordance with applicable law, or refuse
to renew any Primary Mortgage Insurance Policy that is in force as of the
Effective Date unless a replacement Primary Mortgage Insurance Policy for such
canceled or nonrenewed policy is obtained from and maintained with a Qualified
Insurer. The Servicer shall not take any action which would result in
noncoverage under any applicable Primary Mortgage Insurance Policy of any loss
which, but for the actions of the Servicer would have been covered thereunder.
In connection with any assumption or substitution agreement entered into or to
be entered into pursuant to Section 6.01, the Servicer shall promptly notify the
insurer under the related Primary Mortgage Insurance Policy, if any, of such
assumption or substitution of liability in accordance with the terms of such
policy and shall take all actions which may be required by such insurer as a
condition to the continuation of coverage under the Primary Mortgage Insurance
Policy. If such Primary Mortgage Insurance Policy is terminated as a result of
such assumption or substitution of liability, the Servicer shall obtain a
replacement Primary Mortgage Insurance Policy as provided above.
In connection with its activities as servicer, the Servicer agrees to
prepare and present, on behalf of itself and the Owner, claims to the insurer
under any Private Mortgage Insurance Policy in a timely fashion in accordance
with the terms of such Primary Mortgage Insurance Policy and, in this regard, to
take such action as shall be necessary to permit recovery under any Primary
Mortgage Insurance Policy respecting a defaulted Mortgage Loan. Pursuant to
Section 4.04, any amounts collected by the Servicer under any Primary Mortgage
Insurance Policy shall be deposited in the Custodial Account, subject to
withdrawal pursuant to Section 4.05.
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Section 4.09 Transfer of Accounts.
The Servicer may transfer the Custodial Account or the Escrow Account
to a different Qualified Depository from time to time. The Servicer shall notify
the Owner and the NIMs Insurer of any such transfer.
Section 4.10 Maintenance of Hazard Insurance.
The Servicer shall cause to be maintained for each Mortgage Loan fire
and hazard insurance with extended coverage as is customary in the area where
the Mortgaged Property is located in an amount which is equal to the lesser of
(i) the maximum insurable value of the improvements securing such Mortgage Loan
and (ii) the greater of (a) the outstanding principal balance of the Mortgage
Loan, and (b) the percentage such that the proceeds thereof shall be sufficient
to prevent the Mortgagor and/or the mortgagee from becoming a co-insurer. If the
Mortgaged Property is in an area identified in the Federal Register by the
Federal Emergency Management Agency as being a special flood hazard area that
has federally-mandated flood insurance requirements, the Servicer will cause to
be maintained a flood insurance policy meeting the requirements of the current
guidelines of the Federal Insurance Administration with a generally acceptable
insurance carrier, in an amount representing coverage not less than the least of
(i) the outstanding principal balance of the Mortgage Loan, (ii) the maximum
insurable value of the improvements securing such Mortgage Loan and (iii) the
maximum amount of insurance which is available under the Flood Disaster
Protection Act of 1973, as amended. The Servicer shall also maintain on each REO
Property, fire and hazard insurance with extended coverage in an amount which is
at least equal to the maximum insurable value of the improvements which are a
part of such property, liability insurance and, to the extent required and
available under the Flood Disaster Protection Act of 1973, as amended, flood
insurance in an amount as provided above. Any amounts collected by the Servicer
under any such policies other than amounts to be deposited in a restricted
escrow account and applied to the restoration or repair of the Mortgaged
Property or REO Property, or released to the Mortgagor in accordance with the
Servicer's normal servicing procedures, shall be deposited in the Custodial
Account, subject to withdrawal pursuant to Section 4.05. It is understood and
agreed that no other additional insurance need be required by the Servicer or
the Mortgagor or maintained on property acquired in respect of the Mortgage
Loans, other than as provided for under applicable state or federal laws and
regulations as shall at any time be in force and as shall require such
additional insurance. All such policies shall be endorsed with standard
mortgagee clauses with loss payable to the Servicer and its successors and/or
assigns and shall provide for at least thirty days prior written notice of any
cancellation, reduction in the amount or material change in coverage to the
Servicer. The Servicer shall not interfere with the Mortgagor's freedom of
choice in selecting either his insurance carrier or agent; provided, however,
that the Servicer shall not accept any such insurance policies from insurance
companies unless such companies currently reflect a General Policy Rating in
Best's Key Rating Guide of B:III or better and are licensed to do business in
the state wherein the property subject to the policy is located. All insurance
policies maintained pursuant to this Section 4.10 shall be maintained with a
Qualified Insurer.
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Section 4.11 Blanket Hazard Insurance.
In the event that the Servicer shall obtain and maintain a blanket
policy with a Qualified Insurer insuring against fire and hazards of extended
coverage on all of the Mortgage Loans and provides coverage in an amount equal
to the amount required under Section 4.10, and otherwise complies with the
requirements of Section 4.10, the Servicer shall be deemed conclusively to have
satisfied its obligations under Section 4.10, it being understood and agreed
that such blanket policy may contain a deductible clause, in which case the
Servicer shall, in the event that there shall not have been maintained on the
related Mortgaged Property a policy complying with Section 4.10, and there shall
have been a loss which would have been covered by such policy, deposit in the
Custodial Account the difference, if any, between the amount that would have
been payable under a policy complying with Section 4.10 and the amount paid
under such blanket policy. Upon the request of the Owner, the Servicer shall
cause to be delivered to the Owner a certified true copy of such policy and a
statement from the insurer thereunder that such policy shall in no event be
terminated or materially modified without 30 days prior written notice to the
Owner.
Section 4.12 Fidelity Bond, Errors and Omissions Insurance.
The Servicer shall maintain, at its own expense, with a Qualified
Insurer, a blanket Fidelity Bond and an errors and omissions insurance policy,
with broad coverage with responsible companies that meet the requirements of
Xxxxxx Xxx on all officers, employees and other persons acting in any capacity
with regard to the Mortgage Loans and who handle funds, money, documents and
papers relating to the 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 Servicer against losses, including forgery,
theft, embezzlement, fraud, errors and omissions and negligent acts of such
persons. Such Fidelity Bond and errors and omissions insurance shall also
protect and insure the Servicer against losses in connection with the failure to
maintain any insurance policies required pursuant to this Agreement and the
release or satisfaction of a Mortgage Loan without having obtained payment in
full of the indebtedness secured thereby. No provision of this Section 4.12
requiring the Fidelity Bond and errors and omissions insurance shall diminish or
relieve the Servicer from its duties and obligations as set forth in this
Agreement. The minimum coverage under any such Fidelity Bond and insurance
policy shall be at least equal to the corresponding amounts acceptable to Xxxxxx
Mae in the Xxxxxx Xxx Guide or by Xxxxxxx Mac in the Xxxxxxx Mac Guide. The
Servicer shall, upon request of Owner and the NIMs Insurer, deliver to the Owner
and the NIMs Insurer 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 Owner and the NIMs Insurer. The
Servicer shall notify the Owner and the NIMs Insurer within five Business Days
of receipt of notice that such Fidelity Bond or insurance policy will be, or has
been, materially modified or terminated.
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Section 4.13 Title, Management and Disposition of REO Property.
In the event that title to any Mortgaged Property is acquired in
foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale
shall be taken in the name of the Owner or its designee. Any such Person or
Persons holding such title other than the Owner shall acknowledge in writing
that such title is being held as nominee for the benefit of the Owner.
The Servicer shall assume the responsibility for marketing each REO
Property in accordance with Accepted Servicing Practices. Thereafter, the
Servicer shall continue to provide certain administrative services to the Owner
relating to such REO Property as set forth in this Section 4.13. The REO
Property must be sold within three years following the end of the calendar year
of the date of acquisition if a REMIC election has been made with respect to the
arrangement under which the Mortgage Loans and REO Property are held, unless (i)
the Servicer shall have delivered to the Owner an Opinion of Counsel acceptable
to the Owner and the NIMs Insurer, to the effect that the holding by the related
trust of such Mortgaged Property subsequent to such three-year period (and
specifying the period beyond such three-year period for which the Mortgaged
Property may be held) will not result in the imposition of taxes on "prohibited
transactions" of the related trust as defined in Section 860F of the Code, or
cause the related REMIC to fail to qualify as a REMIC, in which case the related
trust may continue to hold such Mortgaged Property (subject to any conditions
contained in such Opinion of Counsel), or (ii) the Servicer shall have applied
for, prior to the expiration of such three-year period, an extension of such
three-year period in the manner contemplated by Section 856(e)(3) of the Code,
in which case the three-year period shall be extended by the applicable period.
If a period longer than three years is permitted under the foregoing sentence
and is necessary to sell any REO Property, the Servicer shall report monthly to
the Owner as to progress being made in selling such REO Property.
Notwithstanding any other provision of this Agreement, if a REMIC
election has been made, no Mortgaged Property held by a REMIC shall be rented
(or allowed to continue to be rented) or otherwise used for the production of
income by or on behalf of the related trust or sold in such a manner or pursuant
to any terms that would (i) cause such Mortgaged Property to fail to qualify at
any time as "foreclosure property" within a meaning of Section 860G(a)(8) of the
Code, (ii) subject the related trust to the imposition of any federal or state
income taxes on "net income from foreclosure property" with respect to such
Mortgaged Property within the meaning of Section 860G(c) of the Code, or (iii)
cause the sale of such Mortgaged Property to result in the receipt by the
related trust or any income from non-permitted assets as described in Section
860F(a) (2)(B) of the Code, unless the Servicer has agreed to indemnify and hold
harmless the related trust with respect to the imposition of any such taxes.
The Servicer shall, either itself or through an agent selected by the
Servicer and in accordance with Accepted Servicing Practices, manage, conserve,
protect and operate each REO Property. Each REO Disposition shall be carried out
by the Servicer at such price and upon such terms and conditions as the Servicer
deems to be in the best interest of the Owner and the related
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terms and conditions are results of arm's-length negotiation. The REO
Disposition Proceeds from the sale of the REO Property shall be promptly
deposited in the Custodial Account. As soon as practical thereafter, the
expenses of such sale shall be paid and the Servicer shall reimburse itself for
any related Servicing Advances, Monthly Advances, made pursuant to Section 5.03,
and unpaid Servicing Fees.
The Servicer shall cause each REO Property to be inspected promptly
upon the acquisition of title thereto and shall cause each REO Property to be
inspected at a frequency consistent with Accepted Servicing Practices. The
Servicer shall make or cause the inspector to make a written report of each such
inspection. Such reports shall be retained in the Servicing File and copies
thereof shall, upon reasonable request, be forwarded by the Servicer to the
Owner.
Section 4.14 Notification of Adjustments.
With respect to each Mortgage Loan, the Servicer shall adjust the
Mortgage Interest Rate on the related Interest Rate Adjustment Date in
compliance with requirements of applicable law and the related electronic data
received on the Mortgage and Mortgage Note. The Servicer shall execute and
deliver any and all necessary notices required under applicable law and the
terms of the related electronic data received on the Mortgage Note and Mortgage
regarding the Mortgage Interest Rate adjustments. The Servicer shall promptly,
upon written request by the Owner, deliver to the Owner such notifications and
any additional applicable data regarding such adjustments and the methods used
to calculate and implement such adjustments. Upon the discovery by the Servicer
or the receipt of notice from the Owner that the Servicer has failed to adjust a
Mortgage Interest Rate in accordance with the terms of the related Mortgage Note
and Mortgage, the Servicer shall immediately deposit in the Custodial Account
from its own funds the amount of any interest loss or deferral caused to the
Owner thereby and shall indemnify the Owner in respect of any liability as a
result of such shortfall; provided, however, that the Servicer shall not have an
obligation to pay any interest loss if the failure to appropriately adjust such
Mortgage Interest Rate is the direct result of inaccurate or incomplete
information in the electronic file provided in accordance with Section 2.01(iii)
hereof.
Section 4.15 Compliance with Applicable Laws.
All requirements of any federal, state or local law applicable to the
servicing of the Mortgage Loans will be complied with by the Servicer in all
material respects.
Section 4.16 Waiver of Prepayment Penalties.
Except as provided below, the Servicer or any designee of the Servicer
shall not waive any prepayment charge with respect to any Mortgage Loan. If the
Servicer or its designee fails to collect a prepayment charge at the time of the
related prepayment of any Mortgage Loan subject to such prepayment charge, the
Servicer shall pay to the Owner at such time (by deposit to the
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Custodial Account) an amount equal to the amount of the prepayment charge not
collected. The Owner warrants that the schedule of prepayment charges provided
to the Servicer shall be complete, true and accurate and may be relied on by the
Servicer in its calculation of prepayment charges. Notwithstanding the above,
the Servicer or its designee may waive a prepayment charge only if (i) the
related prepayment is not the result of a refinancing by the Servicer or its
designee, (ii) such waiver relates to a defaulted Mortgage Loan or a reasonably
foreseeable default, (iii) such waiver is standard and customary in servicing
similar mortgage loans to the Mortgage Loans, and (iv) such waiver, in the
reasonable judgment of the Servicer, would maximize recovery of total proceeds
from the Mortgage Loan, taking into account the amount of such prepayment charge
and the related Mortgage Loan. If a prepayment charge is waived as permitted by
meeting the standards described above, then the Servicer is required to pay the
amount of such waived prepayment charge, for the benefit of the holders of the
Class P Certificates (as defined in the related Trust Agreement), by depositing
such amount into the Custodial Account together with and at the time that the
amount prepaid on the related Mortgage Loan is required to be deposited into the
Custodial Account.
Within 90 days of the earlier of discovery by the Servicer or receipt
of notice by the Servicer of the breach of the representation or covenant of the
Servicer set forth in this Section 4.16 which materially and adversely affects
the interests of the Holders of the Class P Certificates in any prepayment
charge, the Servicer shall remedy such breach as follows: if any of the
covenants made by the Servicer in this Section 4.16 is breached, the Servicer
must pay the amount of such waived prepayment charge, for the benefit of the
Holders of the Class P Certificates, by depositing such amount into the
Custodial Account.
ARTICLE V
PAYMENTS TO THE OWNER
Section 5.01 Remittances.
On each Remittance Date the Servicer shall remit, by wire transfer of
immediately available funds, to the Owner (a) all amounts deposited in the
Custodial Account as of the close of business on the Determination Date (net of
charges against or withdrawals from the Custodial Account pursuant to Section
4.05), plus (b) all amounts, if any, which the Servicer is obligated to
distribute pursuant to Section 5.03, minus (c) any amounts attributable to
Principal Prepayments received after the end of the preceding month which
amounts shall be remitted on the following Remittance Date, together with the
Compensating Interest Amount required to be deposited in the Custodial Account
in connection with such Principal Prepayment in accordance with Section
4.04(ix); minus (d) any amounts attributable to Monthly Payments collected but
due on a Due Date or Dates subsequent to the first day of the month of the
Remittance Date, which amounts shall be remitted on the related Remittance Date
next succeeding the Due Period for such amounts.
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With respect to any remittance received by the Owner after the Business
Day on which such payment was due, the Servicer shall pay to the Owner 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
than the maximum amount permitted by applicable law. Such interest shall be
deposited in the Custodial Account by the Servicer on the date such late payment
is made and shall cover the period commencing with the day following such
Business Day and ending with the Business Day on which such payment is made,
both inclusive. Such interest shall be remitted along with the distribution
payable on the next succeeding related Remittance Date. The payment by the
Servicer of any such interest shall not be deemed an extension of time for
payment or a waiver of any Event of Default by the Servicer.
Section 5.02 Statements to the Owner.
Not later than the tenth (10) calendar day, or if such day is not a
Business Day, the first Business Day immediately preceding the tenth calendar
day of the month of the related Remittance Date, the Servicer shall furnish to
the Owner and the NIMs Insurer, a monthly remittance advice in the format set
forth in Exhibit F attached hereto (or in such other electronic format mutually
agreed to by the Servicer and Owner), with regard to monthly loan remittance
data and Exhibit G (or in such other electronic format mutually agreed to by the
Servicer and Owner) with respect to defaulted mortgage loans, with a trial
balance report attached thereto, and such other loan level information
reasonably available to the Servicer and requested by the Owner. The Servicer
shall also furnish to the Owner and the NIMs Insurer (in such format mutually
agreed to by the Servicer and the Owner) a monthly report detailing loan level
prepayment charge collected and/or waived by the Servicer in accordance with
Section 4.16.
Section 5.03 Monthly Advances by the Servicer.
On the Business Day immediately preceding each Remittance Date, the
Servicer shall deposit in the Custodial Account from its own funds or from
amounts held for future distribution an amount equal to all Monthly Payments
(with interest adjusted to the Mortgage Loan Remittance Rate) which were due on
the Mortgage Loans during the applicable Due Period and which were delinquent at
the close of business on the immediately preceding Determination Date or which
were deferred pursuant to Section 4.01. Any amounts held for future distribution
and so used shall be replaced by the Servicer by deposit in the Custodial
Account on or before any future Remittance Date if funds in the Custodial
Account on such Remittance Date shall be less than payments to the Owner
required to be made on such Remittance Date. The Servicer's obligation to make
such Monthly Advances as to any Mortgage Loan will continue through the last
Monthly Payment due prior to the payment in full of the Mortgage Loan, or
through the last Remittance Date prior to the Remittance Date for the
distribution of all Liquidation Proceeds and other payments or recoveries
(including REO Disposition Proceeds, Insurance Proceeds and Condemnation
Proceeds) with respect to the Mortgage Loan; provided, however, that such
obligation shall cease if the Servicer determines, in its sole reasonable
opinion, that advances with respect to such Mortgage Loan are non-recoverable by
the Servicer from Liquidation
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Proceeds, Insurance Proceeds, Condemnation Proceeds, or otherwise with respect
to a particular Mortgage Loan. In the event that the Servicer determines that
any such advances are non-recoverable, the Servicer shall provide the Owner with
a certificate signed by an officer of the Servicer evidencing such
determination.
Section 5.04 Liquidation Reports.
Upon the foreclosure sale of any Mortgaged Property or the acquisition
thereof by the Owner pursuant to a deed-in-lieu of foreclosure, the Servicer
shall submit to the Owner and the NIMs Insurer a liquidation report in the
format set forth in Exhibit H attached hereto (or in such other format mutually
agreed to by the Servicer and Owner) with respect to such Mortgaged Property.
The Servicer shall also provide reports on the status of REO Property containing
such information as Owner may reasonably require.
ARTICLE VI
GENERAL SERVICING PROCEDURES
Section 6.01 Assumption Agreements.
The Servicer shall, to the extent it has knowledge of any conveyance or
prospective conveyance by any Mortgagor of a Mortgaged Property (whether by
absolute conveyance or by contract of, sale, and whether or not the Mortgagor
remains or is to remain liable under the Mortgage Note and/or the Mortgage),
exercise its rights to accelerate the maturity of such Mortgage Loan under any
"due-on-sale" clause to the extent permitted by law; provided, however, that the
Servicer shall not exercise any such rights if prohibited by law or the terms of
the Mortgage Note from doing so or if the exercise of such rights would impair
or threaten to impair any recovery under the related Primary Mortgage Insurance
Policy, if any. If the Servicer reasonably believes it is unable under
applicable law to enforce such "due-on-sale" clause, the Servicer shall enter
into an assumption agreement with the person to whom the Mortgaged Property has
been conveyed or is proposed to be conveyed, pursuant to which such person
becomes liable under the Mortgage Note and, to the extent permitted by
applicable state law, the Mortgagor remains liable thereon. If an assumption is
allowed pursuant to this Section 6.01, the Servicer, with the prior consent of
the primary mortgage insurer, if any, is authorized to enter into a substitution
of liability agreement with the person to whom the Mortgaged Property has been
conveyed or is proposed to be conveyed pursuant to which the original mortgagor
is released from liability and such Person is substituted as mortgagor and
becomes liable under the related Mortgage Note. Any such substitution of
liability agreement shall be in lieu of an assumption agreement.
In connection with any such assumption or substitution of liability,
the Servicer shall follow its underwriting practices and procedures. With
respect to an assumption or substitution of liability, the Mortgage Interest
Rate borne by the related Mortgage Note and the amount of the Monthly Payment
may not be changed. The Servicer shall notify the Owner that any such
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substitution of liability or assumption agreement has been completed by
forwarding to the Owner the original of any such substitution of liability or
assumption agreement, which document shall be added to the related Mortgage Loan
Documents and shall, for all purposes, be considered a part of such related
mortgage file to the same extent as all other documents and instruments
constituting a part thereof. All fees collected by the Servicer for entering
into an assumption or substitution of liability agreement shall belong to the
Servicer.
Notwithstanding the foregoing paragraphs of this section or any other
provision of this Agreement, the Servicer shall not be deemed to be in default,
breach or any other violation of its obligations hereunder by reason of any
assumption of a Mortgage Loan by operation of law or any assumption which the
Servicer may be restricted by law from preventing, for any reason whatsoever.
For purposes of this Section 6.01, the term "assumption" is deemed to also
include a sale of the Mortgaged Property subject to the Mortgage that is not
accompanied by an assumption or substitution of liability agreement.
Section 6.02 Satisfaction of Mortgages and Release of Mortgage Loan
Documents.
Upon the payment in full of any Mortgage Loan, the Servicer will
immediately notify the Custodian with a certification and request for release by
a Servicing Officer, which certification shall include a statement to the effect
that all amounts received in connection with such payment which are required to
be deposited in the Custodial Account pursuant to Section 4.04 have been so
deposited, and a request for delivery to the Servicer of the portion of the
Mortgage Loan Documents held by the Custodian. Upon receipt of such
certification and request, the Owner shall, or shall cause, the Custodian to
release, in accordance with the terms of the Custodial Agreement, the related
Mortgage Loan Documents to the Servicer and the Servicer shall prepare and
execute under the authority of a power of attorney delivered to the Servicer by
the Owner any satisfaction or release. No expense incurred in connection with
any instrument of satisfaction or deed of reconveyance shall be chargeable to
the Custodial Account.
In the event the Servicer satisfies or releases a Mortgage without
having obtained payment in full of the indebtedness secured by the Mortgage or
should it otherwise prejudice any right the Owner may have under the mortgage
instruments, the Servicer, upon written demand, shall remit to the Owner within
two Business Days the then outstanding principal balance of the related Mortgage
Loan by deposit thereof in the Custodial Account. The Servicer shall maintain
the Fidelity Bond and errors and omissions insurance insuring the Servicer
against any loss it may sustain with respect to any Mortgage Loan not satisfied
in accordance with the procedures set forth herein.
From time to time and as appropriate for the servicing or foreclosure
of the Mortgage Loans, including for the purpose of collection under any Primary
Mortgage Insurance Policy, upon request of the Servicer and delivery to the
Custodian of a servicing receipt signed by a Servicing Officer, all as provided
in the Custodial Agreement, the Servicer may request the Custodian to release to
the Servicer the portion of the Mortgage Loan Documents held by the
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Custodian to the Servicer. Such servicing receipt shall obligate the Servicer to
promptly return the related Mortgage Loan Documents to the Custodian, when the
need therefor by the Servicer no longer exists, unless the Mortgage Loan has
been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have
been deposited in the Custodial Account or such documents have been delivered to
an attorney, or to a public trustee or other public official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or non-judicially, and
the Servicer has promptly delivered to the Owner or the Custodian a certificate
of a Servicing Officer certifying as to the name and address of the Person to
which such documents were delivered and the purpose or purposes of such
delivery.
Section 6.03 Servicing Compensation.
As compensation for its services hereunder, the Servicer shall be
entitled to withdraw from the Custodial Account or to retain from interest
payments on the Mortgage Loans the amounts provided for as the Servicer's
Servicing Fee. Additional servicing compensation in the form of Ancillary Income
shall be retained by the Servicer. The Servicer shall be required to pay all
expenses incurred by it in connection with its servicing activities hereunder
and shall not be entitled to reimbursement therefor except as specifically
provided for.
Section 6.04 Annual Statement as to Compliance.
The Servicer shall deliver to the Owner and the Master Servicer, on or
before March 15, each year beginning March 15, 2005, an Officer's Certificate,
stating that (i) a review of the activities of the Servicer during the preceding
calendar year and of performance under this Agreement or similar agreements has
been made under such officer's supervision, and (ii) to the best of such
officer's knowledge, based on such review, the Servicer has fulfilled all its
responsibilities and obligations under this Agreement throughout such year, or,
if there has been a default in the fulfillment of any such responsibilities and
obligation, specifying each such default known to such officer and the nature
and status thereof and the action being taken by the Servicer to cure such
default.
Section 6.05 Annual Independent Certified Public Accountants' Servicing
Report.
On or before March 15th of each year beginning March 15, 2005, the
Servicer shall, or shall cause each related subservicer to, at its expense,
cause a firm of independent public accountants which is a member of the American
Institute of Certified Public Accountants to furnish a statement to the Owner to
the effect that such firm has examined certain documents and records relating to
the servicing of the mortgage loans similar in nature and that such firm is of
the opinion that the provisions of this or similar Agreements have been complied
with, and that, on the basis of such examination conducted in compliance with
the Uniform Single Attestation Program for Mortgage Bankers, nothing has come to
their attention which would indicate that such servicing has not been conducted
in compliance therewith, except for (i) such exceptions as
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such firm shall believe to be immaterial, and (ii) such other exceptions as
shall be set forth in such statement. By providing Owner and the Master Servicer
a copy of a Uniform Single Attestation Program Report from their independent
public accountant's on an annual basis, Servicer shall be considered to have
fulfilled its obligations under this Section 6.05.
Section 6.06 Owner's Right to Examine Servicer Records.
The Owner or the NIMs Insurer shall have the right to examine and
audit, at its expense, upon reasonable notice to the Servicer, during business
hours or at such other times as might be reasonable under applicable
circumstances, any and all of the books, records, documentation or other
information of the Servicer, or held by another for the Servicer or on its
behalf or otherwise, which relate to the performance or observance by the
Servicer of the terms, covenants or conditions of this Agreement.
The Servicer shall provide to the Owner, the NIMs Insurer and any
supervisory agents or examiners representing a state or federal governmental
agency having jurisdiction over the Owner access to any documentation regarding
the Mortgage Loans in the possession of the Servicer which may be required by
any applicable regulations. Such access shall be afforded without charge, upon
reasonable request, during normal business hours and at the offices of the
Servicer, and in accordance with the applicable federal or state government
regulations.
Section 6.07 Compliance with REMIC Provisions.
If a REMIC election has been made with respect to the arrangement under
which the Mortgage Loans and REO Property are held, the Servicer shall not take
any action, cause the REMIC to take any action or fail to take (or fail to cause
to be taken) any action that, under the REMIC Provisions, if taken or not taken,
as the case may be, could (i) endanger the status of the REMIC as a REMIC or
(ii) result in the imposition of a tax upon the REMIC (including but not limited
to the tax on "prohibited transactions" as defined in Section 860F(a)(2) of the
Code and the tax on "contribution" to a REMIC set forth in Section 860G(d) of
the Code unless the Servicer has received an Opinion of Counsel (at the expense
of the party seeking to take such actions) to the effect that the contemplated
action will not endanger such REMIC status or result in the imposition of any
such tax.
Section 6.08 Non-solicitation.
The Servicer shall not conduct any solicitation targeted to the
Mortgagors for the purpose of inducing or encouraging the early prepayment or
refinancing of the related Mortgage Loans. It is understood and agreed that
promotions undertaken by the Servicer or any agent or affiliate of the Servicer
which are directed to the general public at large, including mass mailings based
on commercially acquired mailing lists, newspaper, radio and television
advertisements, shall not constitute solicitation under this Section 6.08 nor is
the Servicer prohibited from responding to unsolicited requests or inquiries
made by a Mortgagor or an agent of a Mortgagor.
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Section 6.09 Annual Certification and Indemnification.
(a) With respect to any Mortgage Loans that are subject to a
pass-through transfer or other securitization (a "Securitization") in which the
filing of a Xxxxxxxx-Xxxxx Certification directly with the Securities and
Exchange Commission is required, by March 15th of each year or in connection
with any additional Xxxxxxxx-Xxxxx Certification required to be filed upon
thirty (30) days written request, an officer of the Servicer shall execute and
deliver an Officer's Certification substantially in the form attached hereto as
Exhibit E, to the entity filing the Xxxxxxxx-Xxxxx Certification directly with
the Securities and Exchange Commission (the "Sarbanes Certifying Party") for the
benefit of such entity and such entity's affiliates and the officers, directors
and agents of such entity.
(b) The Servicer shall indemnify and hold harmless the Sarbanes
Certifying Party and its officers, directors, agents and affiliates from and
against any losses, damages, penalties, fines, forfeitures, reasonable legal
fees and related costs, judgments and other costs and expenses arising out of or
based upon a breach by the Servicer or any of its officers, directors, agents or
affiliates of its obligations under Sections 6.04, 6.05 and 6.09 or the
negligence, bad faith or willful misconduct of the Servicer in connection
therewith. If the indemnification provided for herein is unavailable or
insufficient to hold harmless the Sarbanes Certifying Party, then the Servicer
agrees that it shall contribute to the amount paid or payable by the Sarbanes
Certifying Party as a result of the losses, claims, damages or liabilities of
the Sarbanes Certifying Party in such proportion as is appropriate to reflect
the relative fault of the Sarbanes Certifying Party on the one hand and the
Servicer on the other in connection with a breach of the Servicer's obligations
under Sections 6.04, 6.05 and 6.09 or the Servicer's negligence, bad faith or
willful misconduct in connection therewith.
ARTICLE VII
REPORTS TO BE PREPARED BY SERVICER
Section 7.01 Servicer Shall Provide Information as Reasonably Required.
The Servicer shall furnish to the Owner or the NIMs Insurer upon
reasonable request, during the term of this Agreement, such periodic, special or
other reports or information, whether or not provided for herein, as shall be
necessary, reasonable or appropriate with respect to the purposes of this
Agreement. The Servicer may negotiate with the Owner or the NIMs Insurer for a
reasonable fee for providing such report or information, unless (i) the Servicer
is required to supply such report or information pursuant to any other section
of this Agreement, or (ii) the report or information has been requested in
connection with Internal Revenue Service or other regulatory agency
requirements. All such reports or information shall be provided by and in
accordance with all reasonable instructions and directions given by the Owner or
the NIMs Insurer. The Servicer agrees to execute and deliver all such
instruments and take all such action as the Owner, or the NIMs Insurer, from
time to time, may reasonably request in order to effectuate the purpose and to
carry out the terms of this Agreement.
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ARTICLE VIII
THE SERVICER
Section 8.01 Indemnification; Third Party Claims.
The Servicer agrees to indemnify the Owner, its successors and assigns,
and any agent of the Owner, and the NIMs Insurer (each an "Indemnified Person")
and hold each such Indemnified Person 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 such Indemnified
Person may sustain in any way related to the failure of the Servicer to perform
its duties and service the Mortgage Loans in strict compliance with the terms of
this Agreement and for breach of any representation, warranty or covenant of the
Servicer contained herein. The Servicer shall notify the Owner and the NIMs
Insurer in accordance with Section 11.04 herein of any claim made by a third
party against the Servicer, the Owner or both, with respect to this Agreement,
the Mortgage Loans and/or any alleged act by Owner. The Owner shall assume the
defense of any such claim and pay all costs and expenses (including reasonable
legal fees and expenses) of defending the Servicer and itself against any such
claim other than (i) any loss, liability or expense related to the Servicer's
failure to perform Servicer's duties in strict compliance with this Agreement;
and (ii) any loss, liability or expense incurred by reason of the Servicer's
willful misfeasance, bad faith or negligence in the performance of its duties
hereunder or by reason of reckless disregard of its obligations and duties
hereunder. The Owner shall promptly pay, discharge and satisfy any judgment or
decree that may be entered against it in respect of such claim. If in any event,
the Servicer incurred any expenses or fees related to the above, the Owner shall
reimburse the Servicer within thirty (30) Business Days upon receipt of an
invoice from the Servicer of all amounts advanced by the Servicer pursuant to
the preceding sentence.
Section 8.02 Merger or Consolidation of the Servicer.
The Servicer shall keep in full effect its existence, rights and
franchises as a corporation under the laws of the state of its incorporation
except as permitted herein, 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 or any of the Mortgage Loans and to perform its
duties under this Agreement.
Any Person into which the Servicer may be merged or consolidated, or
any corporation resulting from any merger, conversion or consolidation to which
the Servicer shall be a party, or any Person succeeding to the business of the
Servicer whether or not related to loan servicing, shall be the successor of the
Servicer hereunder, without the execution or filing of any paper or any further
act on the part of any of the parties hereto, anything herein to the contrary
notwithstanding; provided, however, that the successor or surviving Person shall
be an institution (i) having a GAAP net worth of not less than $25,000,000, (ii)
the deposits of which are insured by the FDIC, or which is a HUD-approved
mortgagee whose primary business is in origination
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and servicing of first lien 1-4 family mortgage loans, and (iii) which is a
Xxxxxx Xxx or Xxxxxxx Mac approved seller/servicer in good standing.
Furthermore, in the event the Servicer transfers or otherwise disposes of all or
substantially all of its assets to an affiliate of the Servicer, such affiliate
shall satisfy the condition above, and shall also be fully liable to the Owner
for all of the Servicer's obligations and liabilities hereunder.
Section 8.03 Limitation on Liability of the Servicer and Others.
Neither the Servicer nor any of the directors, officers, employees or
agents of the Servicer shall be under any liability to the Owner for any action
taken or for refraining from the taking of any action in good faith pursuant to
this Agreement, or for errors in judgment made in good faith; provided, however,
that this provision shall not protect the Servicer or any such person against
any breach of warranties or representations made herein, or failure to perform
its obligations in compliance with any standard of care set forth in this
Agreement, or any liability which would otherwise be imposed under this
Agreement. The Servicer and any director, officer, employee or agent of the
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.
The Servicer shall not be under any obligation to appear in, prosecute or defend
any legal action which is not incidental to its duties to service the Mortgage
Loans in accordance with this Agreement and which in its opinion may involve it
in any expenses or liability; provided, however, that the Servicer may, with the
consent of the Owner and the NIMs Insurer, 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. In such event, the reasonable legal expenses
and costs of such action and any liability resulting therefrom shall be
expenses, costs and liabilities for which the Owner will be liable, the Owner
shall reimburse the Servicer within thirty days of receipt by the Owner of a
billing statement from the Servicer providing reasonable detail with respect
thereto, unless the Owner is disputing such charges, in which event the Owner
shall reimburse the Company as promptly as feasible upon resolution of such
dispute.
Section 8.04 Servicer Not to Resign.
The Servicer shall not assign this Agreement or resign from the
obligations and duties hereby imposed on it except by mutual consent of the
Servicer and the Owner, with the consent of the NIMs Insurer or upon the
determination that its duties hereunder are no longer permissible under
applicable law and such incapacity cannot be cured by the Servicer. Any such
determination permitting the resignation of the Servicer shall be evidenced by
an Opinion of Counsel to such effect delivered to the Owner and the NIMs Insurer
which Opinion of Counsel shall be in form and substance acceptable to the Owner
and the NIMs Insurer. No such resignation shall become effective until a
successor shall have assumed the Servicer's responsibilities and obligations
hereunder in the manner provided in Section 11.01. Notwithstanding the
foregoing, the Servicer, without the consent of the Owner, may retain
third-party contractors to perform certain servicing and loan administration
functions, including without limitation hazard insurance administration, tax
payment and administration, flood
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certification and administration, collection services and similar functions,
provided, however, that the retention of such contractors by Servicer shall not
limit the obligation of the Servicer to service the Mortgage Loans pursuant to
the terms and conditions of this Agreement.
Section 8.05 No Transfer of Servicing.
With respect to the retention of the Servicer to service the Mortgage
Loans hereunder, the Servicer acknowledges that the Owner and the NIMs Insurer
have in reliance upon the Servicer's independent status, the adequacy of its
servicing facilities, plan, personnel, records and procedures, its integrity,
reputation and financial standing and the continuance thereof. Without in any
way limiting the generality of this section, the Servicer shall not either
assign this Agreement or the servicing hereunder or delegate its rights or
duties hereunder or any portion thereof, or sell or otherwise dispose of all or
substantially all of its property or assets, without the prior written approval
of the Owner and the NIMs Insurer.
ARTICLE IX
DEFAULT
Section 9.01 Events of Default.
Each of the following shall constitute an Event of Default on the part
of the Servicer:
(i) any failure by the Servicer to remit to the Owner any payment
required to be made under the terms of this Agreement which continues unremedied
for a period of two (2) Business Days after written notice thereof from the
Owner or the NIMs Insurer (it being understood that this subparagraph shall not
affect Servicer's obligation pursuant to Section 5.01 to pay default interest on
any remittance received by the Owner after the Business Day on which such
payment was due); or
(ii) any failure by the Servicer duly to observe or perform in any
material respect any other of the covenants or agreements on the part of the
Servicer set forth in this Agreement (other than with respect to Sections, 6.04,
6.05 and 6.09), 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
Servicer by the Owner or the NIMs Insurer; 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 Servicer and
such
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decree or order shall have remained in force undischarged or unstayed for a
period of sixty days; or
(iv) the Servicer 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 Servicer or of or relating to all or substantially all of its property; or
(v) the Servicer 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, bankruptcy or reorganization statute, make an assignment
for the benefit of its creditors, voluntarily suspend payment of its obligations
or cease its normal business operations for two Business Days; or
(vi) the Servicer ceases to meet the qualifications of a Xxxxxx Xxx or
Xxxxxxx Mac servicer; or
(vii) the Servicer attempts to assign its right to servicing
compensation hereunder or the Servicer attempts, without the consent of the
Owner and the NIMs Insurer, 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;
(viii) the Servicer 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 Servicer's ability to
perform its obligations hereunder; or
(ix) failure by the Servicer to duly perform, within the required time
period, its obligations under Section 6.04, Section 6.05 or Section 6.09 of this
Agreement which failure continues unremedied for a period of fifteen (15) days
after the date on which written notice of such failure, requiring the same to be
remedied, shall have been given to the Servicer by any party to this Agreement,
the NIMs Insurer or by any master servicer responsible for master servicing the
Mortgage Loans pursuant to a securitization of such Mortgage Loans.
In each and every such case, so long as an Event of Default shall not
have been remedied, the Owner with the consent of the NIMs Insurer, by notice in
writing to the Servicer may (and at the request of the NIMs Insurer, shall), in
addition to whatever rights the Owner may have under Section 8.01 and at law or
equity to damages, including injunctive relief and specific performance,
terminate all the rights and obligations of the Servicer under this Agreement
and in and to the Mortgage Loans and the proceeds thereof without compensating
the Servicer for the same.
From and after the receipt by the Servicer of such written notice, all
authority and power of the Servicer under this Agreement, whether with respect
to the Mortgage Loans or otherwise,
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shall pass to and be vested in the successor appointed pursuant to Section
11.01. Upon written request from the Owner, the Servicer shall prepare, execute
and deliver, any and all documents and other instruments, place in such
successor's possession all Servicing Files, and do or accomplish all other acts
or things reasonably necessary or appropriate to effect the purposes of such
notice of termination, including, but not limited to, notification to MERS at
the Servicer's sole expense. The Servicer agrees to cooperate with the Owner and
such successor in effecting the termination of the Servicer's responsibilities
and rights hereunder, including, without limitation, the transfer to such
successor for administration by it of all cash amounts, net of unreimbursed
Servicing Advances and Monthly Advances, which shall at the time be credited by
the Servicer to the Custodial Account or Escrow Account or thereafter received
with respect to the Mortgage Loans.
Section 9.02 Waiver of Defaults.
The Owner with the consent of the NIMs Insurer may waive, only by
written notice, any default by the Servicer 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 Event of 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
TERMINATION
Section 10.01 Termination.
The respective obligations and responsibilities of the Servicer shall
terminate upon the earliest to occur of the following: (i) the later of the
final payment or other liquidation (or any advance with respect thereto) of the
last Mortgage Loan or the disposition of any REO Property and the remittance of
all funds due hereunder; (ii) by 30 days' written mutual consent of the Servicer
and the Owner with the consent of the NIMs Insurer; (iii) termination by the
Owner pursuant to Section 9.01; and (iv) upon resignation of the Servicer in
accordance with Section 8.04;. Simultaneously with any such termination and, in
the case of (ii), (iii) or (iv) of the preceding sentence, the transfer of
servicing hereunder, the Servicer shall be entitled to be reimbursed for any
outstanding Servicing Advances and Monthly Advances as such amounts are received
from the related Mortgage Loans or as otherwise provided herein for a servicer
that has not been terminated. In no event shall the Servicer be entitled to any
termination fee or other compensation with respect to any termination of this
Agreement or the Servicer's rights hereunder, in whole or in part.
Section 10.02 Subservicing Termination Trigger.
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In the event of a Subservicer Termination Trigger (as defined in the
related Trust Agreement), the Servicer shall terminate the related Subservicer
at the direction of the NIMS Insurer. Following such termination, the Servicer
shall have the right to service such Mortgage Loans without the use of a
Subservicer or to engage a new Subservicer acceptable to the NIMS Insurer
pursuant to a Subservicing Agreement, which is not in conflict with the terms of
this Agreement. Notwithstanding the foregoing, the Servicer shall retain the
ownership of all servicing rights with respect to the related Mortgage Loans and
no such direction of termination of a Subservicer shall be deemed to diminish
such ownership.
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Successor to the Servicer.
Upon termination of the Servicer's responsibilities and duties under
this Agreement pursuant to Sections 8.04, 8.05 or 9.01, the Owner shall (i)
succeed to and assume all of the Servicer's responsibilities, rights, duties and
obligations under this Agreement, or (ii) appoint a successor acceptable to the
NIMs Insurer having the characteristics set forth in Section 8.02 and which
shall succeed to all rights and assume all of the responsibilities, duties and
liabilities of the Servicer under this Agreement prior to the termination of the
Servicer's responsibilities, duties and liabilities under this Agreement. If the
NIMs Insurer requests, the Master Servicer shall appoint a successor servicer as
provided in the preceding sentence. In connection with such appointment and
assumption, the Owner may make such arrangements for the compensation of such
successor out of payments on Mortgage Loans as the Owner with the consent of the
NIMs Insurer and such successor shall agree. In the event that the Servicer's
duties, responsibilities and liabilities under this Agreement should be
terminated pursuant to the aforementioned sections, the Servicer shall discharge
such duties and responsibilities during the period from the date it acquires
knowledge of such termination until the effective date thereof with the same
degree of diligence and prudence which it is obligated to exercise under this
Agreement, and shall take no action whatsoever that might impair or prejudice
the rights or financial condition of its successor. The resignation or removal
of the Servicer pursuant to the aforementioned sections shall not become
effective until a successor shall be appointed pursuant to this section and
shall in no event relieve the Servicer of the representations and warranties
made pursuant to Article III and the remedies available to the Owner under
Section 8.01, it being understood and agreed that the provisions of such Article
III and Section 8.01 shall be applicable to the Servicer notwithstanding any
such resignation or termination of the Servicer, or the termination of this
Agreement.
Any successor appointed as provided herein shall execute, acknowledge
and deliver to the Servicer and to the Owner an instrument accepting such
appointment, whereupon such successor shall become fully vested with all the
rights, powers, duties, responsibilities, obligations and liabilities of the
Servicer, with like effect as if originally named as a party to this Agreement.
Any termination or resignation of the Servicer or termination of this Agreement
pursuant to
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Section 8.04, 8.05 or 9.01 shall not affect any claims that the Owner may have
against the Servicer arising prior to any such termination or resignation.
The Servicer shall promptly deliver to the successor the funds in the
Custodial Account and the Escrow Account and the Servicing Files and related
documents and statements held by it hereunder and the Servicer shall account for
all funds. All unreimbursed Monthly Advances and Servicing Advances shall be
paid by the Owner to the replaced servicer as such amounts are received from the
related Mortgage Loans or are otherwise reimbursable hereunder. The Servicer
shall execute and deliver such instruments and do such other things as may
reasonably be required to more fully and definitely vest and confirm in the
successor all such rights, powers, duties, responsibilities, obligations and
liabilities of the Servicer. In addition, the Servicer shall promptly take all
other actions reasonably requested by Owner or the NIMs Insurer with respect to
MERS Mortgage Loans and MERS to effectuate and evidence the transfer of
servicing and/or ownership thereof in accordance with the terms of this
Agreement.
Upon a successor's acceptance of appointment as such, the Owner shall
notify the Servicer of such appointment.
Section 11.02 Amendment.
This Agreement may be amended from time to time by the Servicer and the
Owner, with the consent of the NIMs Insurer, by written agreement signed by the
Servicer and the Owner.
Section 11.03 Governing Law.
THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH
THE LAWS OF THE STATE OF NEW YORK WITHOUT GIVING EFFECT TO PRINCIPLES OF
CONFLICTS OF LAWS. THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER
SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.
Section 11.04 Notices.
Any demands, notices or other communications permitted or required
hereunder shall be in writing and shall be deemed to have been duly given if
personally delivered at or mailed by registered mail, postage prepaid, and
return receipt requested or transmitted by telecopier and confirmed by a similar
mailed writing, as follows:
(i) if to the Servicer with respect to servicing issues:
Home Star Mortgage Services LLC
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
Attention:
M-2-39
(ii) if to the Owner:
Homestar Mortgage Acceptance Corp.
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
Attention:
or such other address as may hereafter be furnished to the other party by like
notice. Any such demand, notice, or communication hereunder shall be deemed to
have been received on the date delivered to or received at the premises of the
address (as evidenced, in the case of registered or certified mail, by the date
noted on the return receipt).
Section 11.05 Severability of Provisions.
If any one or more of the covenants, agreements, provisions or terms of
this Agreement shall be held invalid for any reason whatsoever, 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.
Section 11.06 Exhibits and Schedules.
The exhibits, schedules and other addenda and supplements to this
Agreement are hereby incorporated and made a part hereof and are an integral
part of this Agreement.
Section 11.07 General Interpretive Principles.
For purposes of this Agreement, except as otherwise expressly provided
or unless the context otherwise requires:
(i) the terms defined in this Agreement have the meanings assigned to
them in this Agreement and include the plural as well as the singular, and the
use of any gender herein shall be deemed to include the other gender;
(ii) accounting terms not otherwise defined herein have the meanings
assigned to them in accordance with generally accepted accounting principles;
(iii) references herein to "Articles," "Sections," "Subsections,"
"Paragraphs," and other subdivisions without reference to a document are to
designated Articles, Sections, Subsections, Paragraphs and other subdivisions of
this Agreement;
M-2-40
(iv) a reference to a Subsection without further reference to a Section
is a reference to such Subsection as contained in the same Section in which the
reference appears, and this rule shall also apply to Paragraphs and other
subdivisions;
(v) the words "herein," "hereof," "hereunder" and other words of
similar import refer to this Agreement as a whole and not to any particular
provision;
(vi) the term "include" or "including" shall mean without limitation by
reason of enumeration; and
(vii) to the extent that some, but not all, of the Mortgage Loans are
transferred pursuant to Section 11.10 hereof, this Agreement shall be construed
as a separate agreement with respect to such Mortgage Loans and references to
the rights of the Owner shall apply separately with respect to each Owner.
Section 11.08 Reproduction of Documents.
This Agreement and all documents relating hereto, including, without
limitation, (i) consents, waivers and modifications which may hereafter be
executed, (ii) documents received by any party at the closing, and (iii)
financial statements, certificates and other information previously or hereafter
furnished, may be reproduced by any photographic, photostatic, microfilm,
micro-card, miniature photographic or other similar process. The parties agree
that any such reproduction shall be admissible in evidence as the original
itself in any judicial or administrative proceeding, whether or not the original
is in existence and whether or not such reproduction was made by a party in the
regular course of business, and that any enlargement, facsimile or further
reproduction of such reproduction shall likewise be admissible in evidence.
Section 11.09 Confidentiality of Information.
Each party recognizes that, in connection with this Agreement, it may
become privy to non-public information regarding the financial condition,
operations and prospects of the other party. Except as required to be disclosed
by law, each party agrees to keep all non-public information regarding the other
party strictly confidential, and to use all such information solely in order to
effectuate the purpose of this Agreement. Additionally, with respect to each
Mortgage Loan and the related Mortgagor, the Servicer and the Owner shall comply
with Title V of the Gramm Xxxxx Xxxxxx Act of 1999 and all applicable
regulations promulgated thereunder.
Section 11.10 Assignment by the Owner.
The Owner shall have the right, with the consent of the NIMs Insurer,
without the consent of the Servicer but subject to the limits set forth in this
Agreement hereof, to assign its interest under this Agreement with respect to
some or all of the Mortgage Loans, and designate any person to exercise any
rights of the Owner hereunder and the assignee or designee shall accede to
M-2-41
the rights and obligations hereunder of the Owner with respect to such Mortgage
Loans. The Servicer shall not be obligated to recognize any such assignee or
designee unless such person executes an assignment and assumption agreement
reasonably acceptable to the Servicer. All references to the Owner in this
Agreement shall be deemed to include its assignees or designees.
Section 11.11 No Partnership.
Nothing herein contained shall be deemed or construed to create a
co-partnership or joint venture between the parties hereto and the services of
the Servicer shall be rendered as an independent contractor and not as agent for
Owner.
Section 11.12 Counterparts; Successors and Assigns.
This Agreement may be executed in one or more counterparts and by the
different parties hereto on separate counterparts, each of which, when so
executed, shall be deemed to be an original; such counterparts, together, shall
constitute one and the same agreement. Subject to Section 8.05, this Agreement
shall inure to the benefit of and be binding upon the Servicer, the NIMs Insurer
and the Owner and their respective successors and assigns.
Section 11.13 Entire Agreement.
Each of the Servicer and the Owner acknowledges that no
representations, agreements or promises were made to it by the other party or
any of its employees other than those representations, agreements or promises
specifically contained herein. This Agreement sets forth the entire
understanding between the parties hereto with respect to the matters set forth
herein, and shall be binding upon all successors of both parties.
Section 11.14 Further Agreements.
The Servicer and the Owner each agrees to execute and deliver to the
other such reasonable and appropriate additional documents, instruments or
agreements as may be necessary or appropriate to effectuate the purpose of this
Agreement.
Section 11.15 Third Party Beneficiary.
For purposes of this Agreement, any Master Servicer and the NIMs
Insurer shall be considered a third party beneficiary to this Agreement entitled
to all the rights and benefits accruing to any Master Servicer and the NIMs
Insurer herein as if it were a direct party to this Agreement.
M-2-42
IN WITNESS WHEREOF, the Servicer and the Owner have caused their names
to be signed hereto by their respective officers thereunto duly authorized as of
the date and year first above written.
HOMESTAR MORTGAGE ACCEPTANCE CORP.
By:
Name:
Title:
HOMESTAR MORTGAGE SERVICES, LLC
By:
Name:
Title:
M-2-43
EXHIBIT A
MORTGAGE LOAN SCHEDULE
Available Upon Request
M-2-44
EXHIBIT B
FORMS OF CUSTODIAL ACCOUNT CERTIFICATIONS
CUSTODIAL ACCOUNT CERTIFICATION
, 20
Home Star Mortgage Services LLC hereby certifies that it has
established the account described below as a Custodial Account pursuant to
Section 4.04 of the Servicing Agreement, dated as of March 5, 2004.
Title of Account: HMAC 2004-1 in trust for the Purchaser and/or
subsequent purchasers of Mortgage Loans, and various
Mortgagors - P & I
Address of office or branch of the Servicer at which Account is maintained:
HOME STAR MORTGAGE SERVICES LLC
Servicer
By:
Name:
Title:
M-2-45
EXHIBIT C
FORMS OF ESCROW ACCOUNT CERTIFICATIONS
ESCROW ACCOUNT CERTIFICATION
, 20
Home Star Mortgage Services LLC hereby certifies that it has
established the account described below as an Escrow Account pursuant to Section
4.06 of the Servicing Agreement, dated as of March 5, 2004.
Title of Account: HMAC 2004-1 in trust for the Purchaser and/or subsequent
purchasers of Mortgage Loans, and various Mortgagors - T & I
Address of office or branch of the Servicer at which Account is maintained:
HOME STAR MORTGAGE SERVICES LLC
Servicer
By:
Name:
Title:
M-2-46
EXHIBIT D
REQUEST FOR RELEASE OF DOCUMENTS
To: Xxxxx Fargo Bank, N.A.
0000 00xx Xxxxxx X.X.
Xxxx., XX 00000
Attn: ________________
Re: Custodial Agreement dated as of March 1, 2004, among HSBC Bank
(USA), Homestar Mortgage Acceptance Corp. and Xxxxx Fargo
Bank, N.A., as Custodian
In connection with the administration of the Mortgage Loans held by you
as Custodian for the Owner pursuant to the above-captioned Custody Agreement, we
request the release, and hereby acknowledge receipt, of the Custodian's Mortgage
File for the Mortgage Loan described below, for the reason indicated.
Mortgage Loan Number:
Mortgagor Name, Address & Zip Code:
Reason for Requesting Documents (check one):
_______ 1. Mortgage Paid in Full
_______ 2. Foreclosure
_______ 3. Substitution
_______ 4. Other Liquidation (Repurchases, etc.)
_______ 5. Nonliquidation [Reason:____________________
Address to which Custodian should
Deliver the Custodian's Mortgage File: ____________________________________
____________________________________
____________________________________
By:_________________________________
(authorized signer)
Issuer:_____________________________________
Address:____________________________
___________________________________
Date:______________________________________
Custodian
Xxxxx Fargo Bank, N.A.
M-2-47
Please acknowledge the execution of the above request by your signature and date
below:
____________________________________ _________________
Signature Date
Documents returned to Custodian:
____________________________________ _________________
Custodian
M-2-48
EXHIBIT E
FORM OF XXXXXXXX-XXXXX CERTIFICATION
I, __________________________, certify to Xxxxx Fargo Bank, N.A., and
its officers, directors, agents and affiliates (the "Sarbanes Certifying
Party"), and with the knowledge and intent that they will rely upon this
certification, that:
(i) Based on my knowledge, the information relating to the Mortgage
Loans and the servicing thereof submitted by the Servicer to the Sarbanes
Certifying Party which is used in connection with preparation of the reports on
Form 8-K and the annual report on Form 10-K filed with the Securities and
Exchange Commission with respect to the Securitization, taken as a whole, does
not contain any untrue statement of a material fact or omit to state a material
fact necessary to make the statements made, in light of the circumstances under
which such statements were made, not misleading as of the date of this
certification;
(ii) The servicing information required to be provided to the Sarbanes
Certifying Party by the Servicer under the Agreement has been provided to the
Sarbanes Certifying Party;
(iii) I am responsible for reviewing the activities performed by the
Servicer and by each related subservicer under the Agreement and based upon the
review required by the Agreement, and except as disclosed in the Annual
Statement of Compliance, the Annual Independent Public Accountant's Servicing
Report and all servicing reports, officer's certificates and other information
relating to the servicing of the Mortgage Loans submitted to the Sarbanes
Certifying Party, the Servicer and each related subservicer has, as of the date
of this certification, fulfilled its obligations under the Agreement; and
(iv) I have disclosed to the Sarbanes Certifying Party all significant
deficiencies relating to the Servicer's and/or each related subservicer's
compliance with the minimum servicing standards in accordance with a review
conducted in compliance with the Uniform Single Attestation Program for Mortgage
Bankers or similar standard as set forth in the Agreement.
Capitalized words not otherwise defined herein have the meaning
assigned to them in the Servicing Agreement dated March 5, 2004 by and between
Homestar Mortgage Acceptance Corp. as Owner and Home Star Mortgage Services LLC
as Servicer.
IN WITNESS WHEREOF, I have hereunto signed my name and affixed the seal
of the Servicer.
Dated: By:
Name:
Title:
M-2-49
EXHIBIT F
MONTHLY SERVICER REPORTING FORMAT
(XXXXXX) FORMAT, SERVICER PERIOD REPORTING
The format should be:
1. Record length of 240
2. ASCII
3. All dates should have DD of "01".
COBOL
# M/O Field Name Position Length "Picture" Justify
1. O Master Servicer No. 001-002 2
2. O Unit Code 003-004 2
3. M Loan Number 005-014 10 X(10)
4. O Borrower Name 015-034 20 X(20)
5. O Old Payment Amount 035-045 11 S(9)V9(02)
6. O Old Loan Rate 046-051 6 9(2)V9(04)
7. O Servicer Fee Rate 052-057 6 9(2)V9(04)
8. M Servicer Ending Balance 058-068 11 S9(9)V9(02)
9. M Servicer Next Due Date 069-076 8 CCYYMMDD
10. O Curtail Amt 1 - Before 077-087 11 S9(9)V9(02)
11. O Curtail Date 1 088-095 8 CCYYMMDD
12. O Curtail Amt 1 - After 096-106 11 S9(9)V9(02)
13 O Curtail Amt 2 - Before 107-117 11 S9(9)V9(02)
14. O Curtail Date 118-125 8 CCYYMMDD
15. O Curtail Amt 2 - After 126-136 11 9(9)V9(02)
16. O Curtail Amt 3 - Before 137-147 11 9(9)V9(02)
17. O Curtail Date 148-155 8 CCYYMMDD
18 O Curtail Amt 3 - After 156-166 11 9(9)V9(02)
19 O New Payment Amount 167-177 11 9(9)V9(02)
20. O New Loan Rate 178-183 6 (2)V9(04)
21. O Index Rate 184-189 6 (2)V9(04)
22. O Remaining Term 190-192 3 (3)
23. O Liquidation Amount 193-203 11 9(9)V9(02)
24. O Action Code 204-205 2 (02)
25. O Scheduled Principal 206-216 11 9(9)V9(02)
26. O Scheduled Interest 217-227 11 9(9)V9(02)
27. O Scheduled Ending Balance 228-238 11 9(9)V9(02)
28. O FILLER 239-240 2 (02)
Trailer Record
1. O Number of Records 001-006 6 9(06)
M-2-50
2. O FILLER 007-240 234 X(234)
Field Names and Descriptions:
Field Name Description
Master Servicer No. Hard code as "01" used internally
Unit Code Hard code as " " used internally
Loan Number Investor's loan number
Borrower Name Last name of borrower
Old Payment Amount P&I amount used for the applied payment
Old Loan Rate Gross interest rate used for the applied payment
Servicer Fee Rate Servicer's fee rate
Servicer Ending Balance Ending actual balance after a payment has been applied
Servicer Next Due Date Borrower's next due date for a payment
Curtailment Amount 1 - Before Amount of curtailment applied before the payment
Curtailment Date 1 Date of curtailment should coincide with the payment
date applicable to the curtailment
Curtailment Amount 1 - After Amount of curtailment applied after the payment
Curtailment Amount 2 - Before Amount of curtailment applied before the payment
Curtailment Date 2 Date of curtailment should coincide with the payment
date applicable to the curtailment
Curtailment Amount 2 - After Amount of curtailment applied after the payment
Curtailment Amount 3 - Before Amount of curtailment applied before the payment
M-2-51
Curtailment Date 3 Date of curtailment should coincide with the payment
date applicable to the curtailment
Curtailment Amount 3 - After Amount of curtailment applied after the payment
New Payment Amount For ARM, Equal, or Buydown loans, when a
payment change occurs, this is the scheduled payment
New Loan Rate For ARM loans, when the gross interest rate change
occurs, this is the scheduled rate
Index Rate For ARM loans, the index rate used in calculating the
new gross interest rate
Remaining Term For ARM loans, the number of months left on the loan
used to determine the new P&I amount
Liquidation Amount The payoff amount of the loan
Action Code For delinquent loans:
12 -- Relief Provisions
15 -- Bankruptcy/Litigation
20 -- Referred for Deed-in-lieu, short sale
30 -- Referred to attorney to
begin foreclosure 60 -- Loan
Paid in full 70 -- Real Estate
Owned
Scheduled Principal Amount of principal from borrower payment due to
bondholder
Scheduled Interest Amount of interest from borrower payment due to
bondholder
Scheduled Ending Balance Ending scheduled balance of loan
FILLER Should be filled with spaces
M-2-52
EXHIBIT G
Data must be submitted to Xxxxx Fargo Bank in an Excel spreadsheet format
with fixed field names and data type. The Excel spreadsheet should be used as a
template consistently every month when submitting data for all loans that are 60
days + delinquent and/or in bankruptcy, foreclosure or REO.
Table: Delinquency
Name Type Max Character Size
Servicer Loan # Number 10
Investor Loan # Number 10
Servicer Investor # Text 3
Borrower Name Text 20
Xxxxxxx Xxxx 00
Xxxxx Xxxx 0
Xxx Xxxx 5
Due Date Date/Time 8
Loan Type Text 8
BK Filed Date Date/Time 8
BK Chapter Text 6
BK Case Number Text 30 Maximum
Post Petition Due Date/Time 8
Motion for Relief Date/Time 8
Lift of Stay Date/Time 8
BK Discharge/Dismissal Date Date/Time 8
Loss Mit Approval Date Date/Time 8
Loss Mit Type Text 5
Loss Mit Code Number 2
Loss Mit Estimated Completion Date Date/Time 8
Loss Mit Actual Completion Date Date/Time 8
FC Approval Date Date/Time 8
File Referred to Attorney Date/Time 8
NOD Date/Time 8
Complaint Filed Date/Time 8
Scheduled Sale Date Date/Time 8
Actual Sale Date Date/Time 8
F/C Sale Amount Currency 8
Eviction Start Date Date/Time 8
Eviction Completed Date Date/Time 8
List Price Currency 8
List Date Date/Time 8
Accepted Offer Price Currency 8
M-2-53
Accepted Offer Date Date/Time 8
Estimated REO Closing Date Date/Time 8
Actual REO Sale Date Date/Time 8
Occupant Code Text 10
Property Condition Code Text 2
Property Inspection Date Date/Time 8
Property Value Date Date/Time 8
Current Property Value Currency 8
Repaired Property Value Currency 8
Current LTV Currency 8
FNMA Delinquent Status Code Text 2
FNMA Delinquent Reason Code Text 3
If applicable:
MI Cancellation Date Date/Time 8
MI Claim Filed Date Date/Time 8
MI Claim Amount Currency 8
MI Claim Reject Date Date/Time 8
MI Claim Resubmit Date Date/Time 8
MI Claim Paid Date Date/Time 8
MI Claim Amount Paid Currency 8
Pool Claim Filed Date Date/Time 8
Pool Claim Amount Currency 8
Pool Claim Reject Date Date/Time 8
Pool Claim Paid Date Date/Time 8
Pool Claim Amount Paid Currency 8
Pool Claim Resubmit Date Date/Time 8
FHA Part A Claim Filed Date Date/Time 8
FHA Part A Claim Amount Currency 8
FHA Part A Claim Paid Date Date/Time 8
FHA Part A Claim Paid Amount Currency 8
FHA Part B Claim Filed Date Date/Time 8
FHA Part B Claim Amount Currency 8
FHA Part B Claim Paid Date Date/Time 8
FHA Part B Claim Paid Amount Currency 8
VA Claim Filed Date Date/Time 8
VA Claim Paid Date Date/Time 8
VA Claim Paid Amount Currency 8
M-2-54
The Loss Mit Type field should show the approved Loss Mitigation arrangement.
The following are acceptable:
o ASUM- Approved Assumption
o BAP- Borrower Assistance Program
o CO- Charge Off
o DIL- Deed-in-Lieu
o FFA- Formal Forbearance Agreement
o MOD- Loan Modification
o PRE- Pre-Sale
o SS- Short Sale
o MISC- Anything else approved by the PMI or Pool Insurer
Xxxxx Fargo Bank will accept alternative Loss Mitigation Types to those above,
provided that they are consistent with industry standards. If Loss Mitigation
Types other than those above are used, the Servicer must supply Xxxxx Fargo Bank
with a description of each of the Loss Mitigation Types prior to sending the
file.
The Occupant Code field should show the current status of the property. The
acceptable codes are:
o Mortgagor
o Tenant
o Unknown
o Vacant
The Property Condition field should show the last reported condition of the
property. The acceptable codes are:
o Damaged
o Excellent
o Fair
o Gone
o Good
o Poor
o Special Hazard
o Unknown
M-2-55
The FNMA Delinquent Reason Code field should show the Reason for Default. The
following FNMA Delinquency Reason Codes to be used are below.
Delinquency Code Delinquency Description
001 FNMA-Death of principal mortgagor
002 FNMA-Illness of principal mortgagor
003 FNMA-Illness of mortgagor's family member
004 FNMA-Death of mortgagor's family member
005 FNMA-Marital difficulties
006 FNMA-Curtailment of income
007 FNMA-Excessive Obligation
008 FNMA-Abandonment of property
009 FNMA-Distant employee transfer
011 FNMA-Property problem
012 FNMA-Inability to sell property
013 FNMA-Inability to rent property
014 FNMA-Military Service
015 FNMA-Other
016 FNMA-Unemployment
017 FNMA-Business failure
019 FNMA-Casualty loss
022 FNMA-Energy environment costs
023 FNMA-Servicing problems
026 FNMA-Payment adjustment
027 FNMA-Payment dispute
029 FNMA-Transfer of ownership pending
030 FNMA-Fraud
031 FNMA-Unable to contact borrower
INC FNMA-Incarceration
M-2-56
The FNMA Delinquent Status Code field should show the Status of Default. The
following FNMA Delinquency Status Codes to be used are below.
Status Code Status Description
09 Forbearance
17 Pre-foreclosure Sale Closing Plan Accepted
24 Government Seizure
26 Refinance
27 Assumption
28 Modification
29 Charge-Off
30 Third Party Sale
31 Probate
32 Military Indulgence
43 Foreclosure Started
44 Deed-in-Lieu Started
49 Assignment Completed
61 Second Lien Considerations
62 Veteran's Affairs-No Bid
63 Veteran's Affairs-Refund
64 Veteran's Affairs-Buydown
65 Chapter 7 Bankruptcy
66 Chapter 11 Bankruptcy
67 Chapter 13 Bankruptcy
M-2-57
EXHIBIT H
XXXXX FARGO BANK, N.A.
Form 332
Calculation of Realized Loss
Purpose
To provide the Servicer with a form for the calculation of any Realized Loss (or
gain) as a result of a Mortgage Loan having been foreclosed and Liquidated.
Distribution
The Servicer will prepare the form in duplicate and send the original together
with evidence of conveyance of title and appropriate supporting documentation to
the Master Servicer with the Monthly Accounting Reports which supports the
Mortgage Loan's removal from the Mortgage Loan Activity Report. The Servicer
will retain the duplicate for its own records.
Due Date
With respect to any liquidated Mortgage Loan, the form will be submitted to the
Master Servicer no later than the date on which statements are due to the Master
Servicer under Section 4.02 of this Agreement (the "Statement Date") in the
month following receipt of final liquidation proceeds and supporting
documentation relating to such liquidated Mortgage Loan; provided, that if such
Statement Date is not at least 30 days after receipt of final liquidation
proceeds and supporting documentation relating to such liquidated Mortgage Loan,
then the form will be submitted on the first Statement Date occurring after the
30th day following receipt of final liquidation proceeds and supporting
documentation.
Preparation Instructions
The numbers on the form correspond with the numbers listed below.
1. The actual Unpaid Principal Balance of the Mortgage Loan.
2. The Total Interest Due less the aggregate amount of servicing fee that
would have been earned if all delinquent payments had been made as
agreed.
3-7. Complete as necessary. All line entries must be supported by copies of
appropriate statements, vouchers, receipts, canceled checks, etc., to
document the expense. Entries not properly documented will not be
reimbursed to the Servicer.
8. Accrued Servicing Fees based upon the Scheduled Principal Balance of
the Mortgage Loan as calculated on a monthly basis.
10. The total of lines 1 through 9.
M-2-58
Credits
11-17. Complete as necessary. All line entries must be supported by copies of
the appropriate claims forms, statements, payment checks, etc. to
document the credit. If the Mortgage Loan is subject to a Bankruptcy
Deficiency, the difference between the Unpaid Principal Balance of the
Note prior to the Bankruptcy Deficiency and the Unpaid Principal
Balance as reduced by the Bankruptcy Deficiency should be input on line
16.
18. The total of lines 11 through 17.
Total Realized Loss (or Amount of Any Gain)
19. The total derived from subtracting line 18 from 10. If the amount
represents a realized gain, show the amount in parenthesis ( ).
M-2-59
XXXXX FARGO BANK, N.A.
CALCULATION OF REALIZED LOSS
XXXXX FARGO BANK, N.A. Trust: ___________________________
Prepared by: __________________ Date: _______________
Phone: ______________________
Servicer Loan No. Servicer Name Servicer Address
XXXXX FARGO BANK, N.A.
Loan No._____________________________
Borrower's Name:________________________________________________________
Property
Address:________________________________________________________________
Liquidation and Acquisition Expenses:
Actual Unpaid Principal Balance of Mortgage Loan $ _______________(1)
Interest accrued at Net Rate ________________(2)
Attorney's Fees ________________(3)
Taxes ________________(4)
Property Maintenance ________________(5)
MI/Hazard Insurance Premiums ________________(6)
Hazard Loss Expenses ________________(7)
Accrued Servicing Fees ________________(8)
Other (itemize) ________________(9)
_________________________________________ $ _________________
_________________________________________ __________________
_________________________________________ __________________
_________________________________________ __________________
Total Expenses $ ______________(10)
Credits:
Escrow Balance $ ______________(11)
HIP Refund
________________(12)
Rental Receipts
________________(13)
Hazard Loss Proceeds
________________(14)
Primary Mortgage Insurance Proceeds
________________(15)
Proceeds from Sale of Acquired Property
________________(16)
M-2-60
Other (itemize)
________________(17)
_________________________________________
___________________
_________________________________________
___________________
Total Credits
$________________(18)
Total Realized Loss (or Amount of Gain)
$________________(19)
M-2-61
EXHIBIT N
CUSTODIAL AGREEMENT
-------------------
THIS CUSTODIAL AGREEMENT (as amended and supplemented from
time to time, the "Agreement"), dated as of March 5, 2004, by and among HSBC
BANK USA, not individually but solely as trustee under the Pooling and Servicing
Agreement defined below (including its successors under the Pooling and
Servicing Agreement defined below, the "Trustee"), HOMESTAR MORTGAGE ACCEPTANCE
CORP., as depositor (together with any successor in interest, the "Company"),
XXXXX FARGO BANK, NATIONAL ASSOCIATION, as master servicer and securities
administrator (together with any successor in interest or successor under the
Pooling and Servicing Agreement referred to below, the "Master Servicer") and
XXXXX FARGO BANK, NATIONAL ASSOCIATION, as custodian (together with any
successor in interest or any successor appointed hereunder, the "Custodian").
WITNESSETH THAT:
---------------
WHEREAS, the Company, the Master Servicer, the Securities
Administrator and the Trustee have entered into a Pooling and Servicing
Agreement, dated as of March 1, 2004, relating to the issuance of HMAC Mortgage
Trust 2004-1, Asset-Backed Pass-Through Certificates, Series 2004-1 (as in
effect on the date of this agreement, the "Original Pooling and Servicing
Agreement," and as amended and supplemented from time to time, the "Pooling and
Servicing Agreement'); and
WHEREAS, the Custodian has agreed to act as agent for the
Trustee for the purposes of receiving and holding certain documents and other
instruments delivered by the Company or the Master Servicer under the Pooling
and Servicing Agreement, all upon the terms and conditions and subject to the
limitations hereinafter set forth;
NOW, THEREFORE, in consideration of the premises and the
mutual covenants and agreements hereinafter set forth, the Trustee, the Company,
the Master Servicer, the Securities Administrator and the Custodian hereby agree
as follows:
SECTION 1.
DEFINITIONS
1.1 Capitalized terms used in this Agreement and not defined
herein shall have the meanings assigned in the Original Pooling and Servicing
Agreement, unless otherwise required by the context herein.
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SECTION 2.
CUSTODY OF MORTGAGE DOCUMENTS
2.1 Custodian to Act as Agent: Acceptance of Mortgage Files.
The Custodian, as the duly appointed custodial agent of the Trustee for these
purposes, acknowledges (subject to any exceptions noted in the Initial
Certification referred to in Section 2.3(a)), receipt of the Mortgage Files
relating to the Mortgage Loans identified on the schedule attached hereto (the
"Mortgage Files") and declares that it holds and will hold such Mortgage Files
as agent for the Trustee, in trust, for the use and benefit of all present and
future Certificateholders.
2.2 Recordation of Assignments. Within 30 days after the
Closing Date, the Company shall complete or cause to be completed the
Assignments in the name of "HSBC Bank USA, as trustee under the Pooling and
Servicing Agreement relating to Homestar Mortgage Acceptance Corp., Asset-Backed
Pass-Through Certificates, Series 2004-1" (or shall prepare or cause to be
prepared new forms of Assignment in the name of the Trustee) for each Mortgaged
Property in a state, if any, which is specifically excluded from the Opinion of
Counsel delivered by the Company to the Trustee and the Custodian, each such
Assignment shall be recorded in the appropriate public office for real property
records, and returned to the Custodian, at no expense to the Custodian.
2.3 Review of Mortgage Files.
(a) On or prior to the Closing Date, in accordance with
Section 2.02 of the Pooling and Servicing Agreement, the Custodian
shall deliver to the Trustee an Initial Certification in the form
annexed hereto as Exhibit One evidencing receipt (subject to any
exceptions noted therein) of a Mortgage File for each of the Mortgage
Loans listed on the Schedule attached hereto (the "Mortgage Loan
Schedule").
(b) Not later than 180 days after the Closing Date, the
Custodian shall review the Mortgage Files as provided in Section 2.02
of the Pooling and Servicing Agreement and deliver to the Company and
the Trustee a Final Certification in the form annexed hereto as Exhibit
Two evidencing the completeness of the Mortgage Files.
(c) In reviewing the Mortgage Files as provided herein and in
the Pooling and Servicing Agreement, the Custodian shall make no
representation as to and shall not be responsible to verify (i) the
validity, legality, enforceability, due authorization, recordability,
sufficiency or genuineness of any of the documents included in any
Mortgage File or (ii) the collectibility, insurability, effectiveness
or suitability of any of the documents in any Mortgage File.
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Upon receipt of written request from the Trustee, the Custodian shall
as soon as practicable supply the Trustee with a list of all of the documents
relating to the Mortgage Loans missing from the Mortgage Files.
2.4 Custodian to Cooperate: Release of Mortgage Files. Upon
receipt of notice from the Trustee or the Master Servicer of a repurchase of a
Mortgage Loan pursuant to the Mortgage Loan Purchase Agreement or the Pooling
and Servicing Agreement, and that the purchase price therefore has been
deposited in the Custodial Account or the Certificate Account, then the
Custodian agrees to promptly release the related Mortgage File to the Seller or
other party at the direction of the Trustee.
Upon the Custodian's receipt of a request for release (a
"Request for Release") substantially in the form of Exhibit F to the Pooling and
Servicing Agreement signed by a servicing officer of the Servicer or a Servicing
Officer of the Master Servicer stating that it has received payment in full of a
Mortgage Loan or that payment in full will be escrowed in a manner customary for
such purposes, the Custodian agrees promptly to release to the Servicer or the
Master Servicer the related Mortgage File. The Company shall deliver to the
Custodian and the Custodian agrees to accept the Mortgage Note and other
documents constituting the Mortgage File with respect to any Substitute Mortgage
Loan.
From time to time as is appropriate for the servicing or
foreclosure of any Mortgage Loan, including, for this purpose, collection under
any Primary Insurance Policy, the Servicer (or if the Servicer does not, the
Master Servicer) shall deliver to the Custodian a Request for Release signed by
a Servicing Officer requesting that possession of the Mortgage File be released
to the Servicer and certifying as to the reason for such release and that such
release will not invalidate any insurance coverage provided in respect of the
Mortgage Loan under any of the Insurance Policies. Upon receipt of the
foregoing, the Custodian shall deliver the Mortgage File to the Servicer. The
Servicer shall cause the Mortgage File or any document therein so released to be
returned to the Custodian when the need therefore by the Servicer no longer
exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation
Proceeds relating to the Mortgage Loan have been deposited in the Custodial
Account or the Certificate Account or (ii) the Mortgage File or such document
has been delivered to an attorney, or to a public trustee or other public
official as required by law, for purposes of initiating or pursuing legal action
or other proceedings for the foreclosure of the Mortgaged Property either
judicially or non-judicially, and the Servicer has delivered to the Custodian a
certificate of a servicing officer certifying as to the name and address of the
Person to which such Mortgage File or such document was delivered and the
purpose or purposes of such delivery.
At any time that the Servicer is required to deliver to the
Custodian a Request for Release, the Servicer shall deliver two copies of the
Request for Release if delivered in hard copy or the Servicer may furnish such
Request for Release electronically in a form acceptable to the Custodian, in
which event the servicing officer transmitting the same shall be deemed to have
signed the Request for Release. In connection with any Request for Release of a
Mortgage File
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because of a repurchase of a Mortgage Loan, such Request for Release shall be
followed by an assignment of mortgage, without recourse, representation or
warranty from the Trustee to the Seller and the related Mortgage Note shall be
endorsed without recourse by the Trustee and be returned to the Seller. In
connection with any Request for Release of a Mortgage File because of the
payment in full of a Mortgage Loan, such Request for Release shall be
accompanied by a certificate of satisfaction or other similar instrument to be
executed by or on behalf of the Trustee and returned to the Servicer.
2.5 Assumption Agreements. In the event that any assumption
agreement, substitution of liability agreement or sale of servicing agreement is
entered into with respect to any Mortgage Loan subject to this Agreement in
accordance with the terms and provisions of the Pooling and Servicing Agreement,
the Master Servicer, to the extent provided in the Servicing Agreement, shall
enforce the obligation of the Servicer to notify the Custodian that such
assumption or substitution agreement has been completed by forwarding to the
Custodian the original of such assumption or substitution agreement, which shall
be added to the related Mortgage File and, for all purposes, shall be considered
a part of such Mortgage File to the same extent as all other documents and
instruments constituting parts thereof.
SECTION 3.
CONCERNING THE CUSTODIAN
3.1 Custodian as Bailee and Agent of the Trustee. With respect
to each Mortgage Note, Mortgage and other documents constituting each Mortgage
File which are delivered to the Custodian, the Custodian is exclusively the
bailee and custodial agent of the Trustee and has no instructions to hold any
Mortgage Note or Mortgage for the benefit of any person other than the Trustee
and the Certificateholders and undertakes to perform such duties and only such
duties as are specifically set forth in this Agreement and in the Pooling and
Servicing Agreement. Except upon compliance with the provisions of Section 2.4
of this Agreement, no Mortgage Note, Mortgage or Mortgage File shall be
delivered by the Custodian to the Company, the Servicer or the Master Servicer
or otherwise released from the possession of the Custodian.
3.2 Custodian May Own Certificates. The Custodian in its
individual or any other capacity may become the owner or pledgee of Certificates
with the same rights it would have if it were not Custodian.
3.3 Master Servicer to Pay Custodian's Fees and Expenses. The
Master Servicer covenants and agrees to pay to the Custodian from time to time,
and the Custodian shall be entitled to, reasonable compensation for all services
rendered by it in the exercise and performance of any of the powers and duties
hereunder of the Custodian, and the Master Servicer will pay or reimburse the
Custodian upon its request for all reasonable expenses, disbursements and
advances incurred or made by the Custodian in accordance with any of the
provisions of this
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Agreement (including the reasonable compensation and the expenses and
disbursements of its counsel and of all persons not regularly in its employ),
except any such expense, disbursement or advance as may arise from its
negligence or bad faith or to the extent that such cost or expense is
indemnified by the Trust Fund pursuant to the Pooling and Servicing Agreement.
3.4 Custodian May Resign; Trustee May Remove Custodian. The
Custodian may resign from the obligations and duties hereby imposed upon it as
such obligations and duties relate to its acting as Custodian of the Mortgage
Loans. Upon receiving such written notice of resignation, the Trustee shall
either take custody of the Mortgage Files itself and give prompt written notice
thereof to the Company, the Master Servicer, the Securities Administrator and
the Custodian, or promptly appoint a successor Custodian by written instrument,
in duplicate, one copy of which instrument shall be delivered to the resigning
Custodian and one copy to the successor Custodian. If the Trustee shall not have
taken custody of the Mortgage Files and no successor Custodian shall have been
so appointed and have accepted appointment within 30 days after the giving of
such written notice of resignation, the resigning Custodian may petition any
court of competent jurisdiction for the appointment of a successor Custodian.
The Trustee may, with or without cause, upon at least 60 days
notice remove and discharge the Custodian from the performance of its duties
with the consent of the Master Servicer. In such event, the Trustee shall
appoint, or petition a court of competent jurisdiction to appoint, a successor
Custodian hereunder. Any successor Custodian shall be a depository institution
subject to supervision or examination by federal or state authority, shall be
able to satisfy the other requirements contained in Section 3.6 hereof and shall
be unaffiliated with the Servicer or the Company.
Any resignation or removal of the Custodian and appointment of
a successor Custodian pursuant to any of the provisions of this Section 3.4
shall become effective upon acceptance of appointment by the successor
Custodian. The Trustee shall give prompt notice to the Company and the Master
Servicer of the appointment of any successor Custodian. No successor Custodian
shall be appointed by the Trustee without the prior approval of the Company and
the Master Servicer.
3.5 Merger or Consolidation of Custodian. Any Person into
which the Custodian may be merged or converted or with which it may be
consolidated, or any Person resulting from any merger, conversion or
consolidation to which the Custodian shall be a party, or any Person succeeding
to the business of the Custodian, shall be the successor of the Custodian
hereunder, without the execution or filing of any paper or any further act on
the part of any of the parties hereto, anything herein to the contrary
notwithstanding.
3.6 Representations of the Custodian. The Custodian hereby
represents that it is a depository institution subject to supervision or
examination by a federal or state authority, has a combined capital and surplus
of at least $15,000,000 and is qualified to do business in the jurisdictions in
which it will hold any Mortgage File.
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3.7 Standard of Care; Indemnification. Neither the Custodian
nor any parent, affiliate, subsidiaries, directors, officers, agents or
employees shall have any liability arising from or related to this Custodial
Agreement or any related document or agreement, except for any such liability
resulting from the Custodian's negligence or willful misconduct. The Custodian
shall be indemnified and held harmless from the Trust Fund to the extent
provided in Section 6.03 of the Pooling and Servicing Agreement.
3.8 Reliance; Limitation of Custodian's Duties. The Custodian
shall have no duties or obligations other than those specifically set forth
herein or as may subsequently be agreed to in writing by the parties hereto. The
Custodian: (a) may consult with counsel and any Opinion of Counsel shall be full
and complete authorization and protection in respect of any action taken,
suffered or omitted by it hereunder in good faith and in accordance with such
Opinion of Counsel; and shall not be liable for any error of judgment, or for
any act done or step taken or omitted by it, in good faith, except for any such
liability resulting from the Custodian's negligence or willful misconduct; (b)
shall use the same degree of care and skill as is reasonably expected of
financial institutions acting in comparable capacities, provided that this
subsection shall not be interpreted to impose upon the Custodian a higher
standard of care than that set forth above; (c) will be regarded as making no
representations and having no responsibilities (except as expressly set forth
herein) as to the validity, sufficiency, value, genuineness, ownership or
transferability of the Mortgage Loans, and will not be required to and will not
make any representations as to the validity, value, genuineness, ownership or
transferability of the Mortgage Loans; (d) may rely on and shall be protected in
acting upon any certificate, instrument, opinion, notice, letter, telegram,
facsimile or other document delivered to it and in good faith believed by it to
be genuine and to have been signed by the proper party or parties; and (e) may
rely on and shall be protected in acting upon the written instructions of the
Company or the Trustee and such employees and representatives of the Company or
the Trustee as the Company or the Trustee may hereinafter designate in writing.
SECTION 4.
MISCELLANEOUS PROVISIONS
4.1. Notices. All notices, requests, consents and demands and
other communications required under this Agreement or pursuant to any other
instrument or document delivered hereunder shall be in writing and, unless
otherwise specifically provided, may be delivered personally, by telegram or
telex, or by registered or certified mail, postage prepaid, return receipt
requested, at the addresses specified on the signature page hereof (unless
changed by the particular party whose address is stated herein by similar notice
in writing), in which case the notice will be deemed delivered when received.
4.2. Amendments. No modification or amendment of or supplement
to this Agreement shall be valid or effective unless the same is in writing and
signed by all parties hereto, and neither the Company, the Master Servicer, the
Securities Administrator, nor the
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Trustee shall enter into any amendment hereof except as permitted by the Pooling
and Servicing Agreement. The Trustee shall give prompt notice to the Custodian
of any amendment or supplement to the Pooling and Servicing Agreement and
furnish the Custodian with written copies thereof.
4.3. GOVERNING LAW. THIS AGREEMENT SHALL BE DEEMED A CONTRACT
MADE UNDER THE LAWS OF THE STATE OF NEW YORK AND SHALL BE CONSTRUED AND ENFORCED
IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK.
4.4. Recordation of Agreement. To the extent permitted by
applicable law, this Agreement is subject to recordation in all appropriate
public offices for real property records in all the counties or other comparable
jurisdictions in which any or all of the properties subject to the Mortgages are
situated, and in any other appropriate public recording office or elsewhere,
such recordation to be effected by the Company and at the Trust's expense, but
only upon direction accompanied by an Opinion of Counsel reasonably satisfactory
to the Company to the effect that the failure to effect such recordation is
likely to materially and adversely affect the interests of the
Certificateholders.
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.
4.5 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.
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IN WITNESS WHEREOF, this Agreement is executed as of the date
first above written.
Address: HSBC BANK USA, not individually but
solely as Trustee
000 Xxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
By:
--------------------------------
Attention: Name:
Telecopy: Title:
Confirmation:
Address: HOMESTAR MORTGAGE ACCEPTANCE
CORP.
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
By:
-------------------------------
Name:
Title:
Address: XXXXX FARGO BANK, NATIONAL
ASSOCIATION, as Master Servicer
0000 Xxx Xxxxxxxxx Xxxx
Xxxxxxxx, Xxxxxxxx 00000
By:
------------------------------
Name:
Title:
Address: XXXXX FARGO BANK, NATIONAL
ASSOCIATION, as Custodian
0000 Xxxx Xxxxxx
Xxxxx 000 By:
Xxxxxx, Xxxxxxxxxx 00000 ------------------------------
Name:
Title:
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STATE OF NEW YORK )
)ss.:
COUNTY OF NEW YORK )
On the ___ day of March 2004 before me, a notary public in and
for said State, personally appeared ____________________, known to me to be a
_______________ of HSBC Bank USA, a national banking association that executed
the within instrument, and also known to me to be the person who executed it on
behalf of said 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
[SEAL]
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STATE OF MARYLAND )
) ss.:
COUNTY OF XXXXXX )
On the ___ day of March 2004 before me, a notary public in and
for said State, personally appeared ______________, known to me to be an
___________________ of Xxxxx Fargo Bank, National Association, a national
banking association that executed the within instrument, and also known to me to
be the person who executed it on behalf of said 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
[SEAL]
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STATE OF NEW JERSEY )
)ss.:
COUNTY OF _________ )
On the ___ day of March 2004 before me, a notary public in and
for said State, personally appeared _______________, known to me to be a
_____________ of Homestar Mortgage Acceptance Corp., one of the corporations
that executed the within instrument, and also known to me to be the person who
executed it on behalf of said 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 MARYLAND )
)ss.:
COUNTY OF XXXXXX )
On the ___ day of March 2004 before me, a notary public in and
for said State, personally appeared ______________, known to me to be an
___________________ of Xxxxx Fargo Bank, National Association, a national
banking association that executed the within instrument, and also known to me to
be the person who executed it on behalf of said 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]
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EXHIBIT ONE
FORM OF CUSTODIAN INITIAL CERTIFICATION
March 5, 2004
HSBC Bank USA Homestar Mortgage Acceptance Corp.
000 Xxxxx Xxxxxx X. 000 Xxxxxxx Xxxx
Xxx Xxxx, Xxx Xxxx 00000 Xxxxxxx, Xxx Xxxxxx 00000
Attention: Homestar Mortgage Acceptance Corp.,
HMAC Mortgage Trust 2004-1, Asset-Backed Pass-Through Certificates,
Series 2004-1
Re: Custodial Agreement, dated as of March 5, 2004, by and among
HSBC Bank USA, Homestar Mortgage Acceptance Corp. and Xxxxx
Fargo Bank, National Association relating to HMAC Mortgage
Trust 2004-1, Asset- Backed Pass-Through Certificates, Series
2004-1
-------------------------------------------------------------
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned
Custodial Agreement and subject to Section 2.02 of the Pooling and Servicing
Agreement, dated as of March 5, 2004 among Homestar Mortgage Acceptance Corp.,
HSBC Bank USA, and Xxxxx Fargo Bank, National Association, the undersigned, as
custodian (the "Custodian"), hereby certifies that as to each Mortgage Loan
listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full
or listed on the attachment hereto) it has reviewed the Mortgage File, and has
determined that: (1) all documents required to be included in the Mortgage File
are in its possession and (2) such documents have been reviewed by it and appear
regular on their face and relate to such Mortgage Loan.
The Custodian has made no independent examination of any documents
contained in each Mortgage File beyond the review specifically required in the
above-referenced Custodial and Pooling and Servicing Agreements. The Custodian
makes no representations as to and shall not be responsible to verify: (i) the
validity, legality, sufficiency, enforceability, due authorization,
recordability or genuineness of any of the documents contained in each Mortgage
File of any of the Mortgage Loans identified on the Mortgage Loan Schedule, (ii)
the collectability, insurability, effectiveness or suitability of any such
Mortgage Loan, or (iii) the existence of any assumption, modification, written
assurance or substitution agreement with respect to any Mortgage File if no such
documents appear in the Mortgage File delivered to the Custodian.
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Capitalized words and phrases used herein shall have the
respective meanings assigned to them in the above-captioned Custodial Agreement.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION, as Custodian
By:_______________________
Name:
Title:
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EXHIBIT TWO
FORM OF CUSTODIAN FINAL CERTIFICATION
_______, 20__
HSBC Bank USA Homestar Mortgage Acceptance Corp.
000 Xxxxx Xxxxxx X. 000 Xxxxxxx Xxxx
Xxx Xxxx, Xxx Xxxx 00000 Xxxxxxx, Xxx Xxxxxx 00000
Attention: Homestar Mortgage Acceptance Corp.,
HMAC Mortgage Trust 2004-1, Mortgage Pass-Through Certificates,
Series 2004-1
Re: Custodial Agreement, dated as of March 5, 2004, by and among
HSBC Bank USA, Homestar Mortgage Acceptance Corp. and Xxxxx
Fargo Bank, National Association relating to HMAC Mortgage
Trust 2004-1, Asset- Backed Pass-Through Certificates, Series
2004-1
-------------------------------------------------------------
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned
Custodial Agreement and subject to Section 2.02 of the Pooling and Servicing
Agreement, the undersigned, as Custodian, hereby certifies that it has received
a Mortgage File with respect to each Mortgage Loan listed in the Mortgage Loan
Schedule containing with respect to each Mortgage Loan:
(i) the original Mortgage Note (including all riders thereto)
bearing all intervening endorsements necessary to show a complete chain
of endorsements from the original payee, endorsed "Pay to the order of
_____without recourse", via original signature, and, if previously
endorsed, signed in the name of the last endorsee by a duly qualified
officer of the last endorsee. If the Mortgage Loan was acquired by the
last endorsee in a merger, the endorsement must be by "[name of last
endorsee], successor by merger to [name of the predecessor]." If the
Mortgage Loan was acquired or originated by the last endorsee while
doing business under another name, the endorsement must be by "[name of
last endorsee], formerly known as [previous name].";
(ii) The original recorded Mortgage, noting the presence of
the MIN of the Mortgage Loan and either language indicating that the
Mortgage Loan is a MOM loan or if the Mortgage Loan was not a MOM loan
at origination, the original Mortgage and the assignment thereof to
MERS, with evidence of recording indicated thereon; provided that
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if such document is not included because of a delay by the public
recording office where such document has been delivered for recordation
or such office as a matter of policy does not return the original of
such document or if such original Mortgage has been lost, the Seller
shall include or cause to be included a copy thereof certified by the
appropriate recording office, if available;
(iii) the original Assignment of Mortgage in blank, in form
and substance acceptable for recordation in the jurisdiction in which
the related mortgage property is located and signed in the name of the
Last Endorsee by an authorized officer; unless the Mortgage Loan is
registered on the MERS system;
(iv) The original intervening Assignments, if any and if
available, with evidence of recording thereon, showing an unbroken
chain of title to the Mortgage from the originator thereof to Person
assigning it to the Trustee (or to MERS, if the Mortgage Loan is
registered on the MERS(R) System); provided that if such document is
not included because of a delay by the public recording office where
such document has been delivered for recordation or such office as a
matter of policy does not return the original of such document, the
Seller shall include or cause to be included a copy thereof certified
by the appropriate recording office, if available;
(v) The originals of each assumption, modification or
substitution agreement, if any and if available, relating to the
Mortgage Loan; and
(vi) the original title insurance policy, or, if such policy
has not been issued, any one of an original or a copy of the
preliminary title report, title binder or title commitment on the
Mortgaged Property with the original policy of the insurance to be
delivered promptly following the receipt thereof;
Capitalized words and phrases used herein shall have the
respective meanings assigned to them in the above-captioned Custodial Agreement
or in the Pooling and Servicing Agreement, as applicable.
XXXXX FARGO BANK, NATIONAL
ASSOCIATION, as Custodian
By:_________________________
Name:_______________________
Title:______________________
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EXHIBIT O
[RESERVED]
O-1
EXHIBIT P
MORTGAGE LOAN PURCHASE AGREEMENT
This MORTGAGE LOAN PURCHASE AGREEMENT (this "Agreement"),
dated as of March 1, 2004 "(the Cut-off Date"), is made between Home Star
Mortgage Services LLC (the "Seller") and Homestar Mortgage Acceptance Corp. (the
"Purchaser").
W I T N E S S E T H:
--------------------
WHEREAS, the Seller owns the Mortgage Loans indicated on the
Mortgage Loan Schedule attached as Exhibit 1 hereto (the "Mortgage Loans"),
including rights to (a) any property acquired by foreclosure or deed in lieu of
foreclosure or otherwise, and (b) the proceeds of any insurance policies
covering the Mortgage Loans;
WHEREAS, the parties hereto desire that the Seller sell the
Mortgage Loans to the Purchaser (other than the servicing rights with respect
thereto), and that the Seller make certain representations and warranties and
undertake certain obligations with respect to the Mortgage Loans;
WHEREAS, pursuant to the terms of a Pooling and Servicing
Agreement, to be dated as of the Cut-off Date (the "Pooling and Servicing
Agreement"), among the Purchaser, as seller, HSBC Bank (USA), as trustee (the
"Trustee") and Xxxxx Fargo Bank, N.A., as master servicer and securities
administrator (the "Master Servicer"), the Purchaser will issue Asset- Backed
Pass-Through Certificates, Series 2004-1 (the "Certificates");
NOW, THEREFORE, inconsideration of the mutual covenants herein
contained, the parties hereto agree as follows:
ARTICLE I
DEFINITIONS
Section 1.1. Definitions. For all purposes of this Mortgage
Loan Purchase Agreement, except as otherwise expressly provided herein or unless
the context otherwise requires, capitalized terms not otherwise defined herein
shall have the meanings assigned to such terms in the Pooling and Servicing
Agreement. All other capitalized terms used herein shall have the meanings
specified herein.
ARTICLE II
SALE OF MORTGAGE LOANS AND RELATED PROVISIONS
Section 2.1. Sale of Mortgage Loans.
(a) The Seller, by the execution and delivery of this
Agreement, does hereby sell, assign, set over, and otherwise convey to
the Purchaser, without recourse but subject to the terms of this
Agreement, (i) all of its right, title and interest in the Mortgage
Loans identified on Exhibit 1 as of the Closing Date, including the
related Cut-off Date Principal Balance, all interest accruing thereon
on and after the Cut-off Date, and all collections of interest and
principal due after the Cut-off Date, other than the servicing rights
with respect thereto, (ii) the Seller's interest in any insurance
policies (including the Radian Lender-Paid PMI Policy) and (iii) all
proceeds of the foregoing.
(b) In connection with any transfer pursuant to this Section
2.1, the Seller agrees (i) to cause the books and records of the Seller
to indicate that the Mortgage Loans have been sold to the Purchaser
pursuant to this Agreement, (ii) to deliver to the Purchaser the
Mortgage Loan Schedule which is attached as Exhibit 1 to this
Agreement, and to the Pooling and Servicing Agreement, as which is
incorporated by reference herein and (iii) to deliver to the Purchaser
and the Trustee any required information with respect to the Radian
Lender-Paid PMI Policy with respect to the Radian Lender-Paid PMI
Policy Loans.
(c) In connection with such conveyances by the Seller, the
Seller shall on behalf of the Purchaser deliver to, and deposit with
the Trustee, on or before the Closing Date, the following documents or
instruments with respect to each Mortgage Loan:
(i) the original Mortgage Note (including all riders
thereto) bearing all intervening endorsements necessary to
show a complete chain of endorsements from the original payee,
endorsed "Pay to the order of _____without recourse", via
original signature, and, if previously endorsed, signed in the
name of the last endorsee by a duly qualified officer of the
last endorsee or, with respect to any Mortgage Loan as to
which the original Mortgage Note has been permanently lost or
destroyed and has not been replaced, a Lost Note Affidavit. If
the Mortgage Loan was acquired by the last endorsee in a
merger, the endorsement must be by "[name of last endorsee],
successor by merger to [name of the predecessor]." If the
Mortgage Loan was acquired or originated by the last endorsee
while doing business under another name, the endorsement must
be by "[name of last endorsee], formerly known as [previous
name]." Within 30 days after the Closing Date, the Company
shall endorse or cause to be endorsed the Mortgage Note in the
name of "HSBC Bank USA, as trustee under the Pooling and
Servicing Agreement relating to Homestar Mortgage Acceptance
Corp., Asset-Backed Pass-Through Certificates, Series 2004-1"
for each Mortgage Note;
(ii) The original recorded Mortgage, noting the
presence of the MIN of the Mortgage Loan and language
indicating that the Mortgage Loan is a MOM Loan if the
Mortgage Loan is a MOM Loan, with evidence of recording
indicated thereon; provided that if such document is not
included because of a delay by the
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public recording office where such document has been delivered
for recordation or such office as a matter of policy does not
return the original of such document or if such original
Mortgage has been lost, the Seller shall include or cause to
be included a copy thereof certified by the appropriate
recording office, if available;
(iii) unless the Mortgage Loan is registered on the
MERS(R) System, an original duly executed Assignment of the
Mortgage in recordable form from the Seller or the originator,
as applicable, to "HSBC Bank (USA), as trustee under the
Pooling and Servicing Agreement relating to Homestar Mortgage
Acceptance Corp., Asset-Backed Pass-Through Certificates,
Series 2004-1";
(iv) The original intervening Assignments, if any and
if available, with evidence of recording thereon, showing an
unbroken chain of title to the Mortgage from the originator
thereof to Person assigning it to the Trustee (or to MERS, if
the Mortgage Loan is registered on the MERS(R) System and
noting the presence of a MIN); provided that if such document
is not included because of a delay by the public recording
office where such document has been delivered for recordation
or such office as a matter of policy does not return the
original of such document, the Seller shall include or cause
to be included a copy thereof certified by the appropriate
recording office, if available;
(v) The originals of each assumption, modification or
substitution agreement, if any and if available, relating to
the Mortgage Loan; and
(vi) the original title insurance policy, or, if such
policy has not been issued, any one of an original or a copy
of the preliminary title report, title binder or title
commitment on the Mortgaged Property with the original policy
of the insurance to be delivered promptly following the
receipt thereof;
The Seller need not cause to be recorded any Assignment in any
jurisdiction under the laws of which, as evidenced by an Opinion of Counsel
delivered by the Seller to the Trustee, the NIMS Insurer, if any, and the Rating
Agencies, the recordation of such Assignment is not necessary to protect the
Trustee's interest in the related Mortgage Loan; provided, however,
notwithstanding the delivery of any Opinion of Counsel, each Assignment shall be
submitted for recording by the Seller, at no expense to the Trust or the
Trustee, upon the earliest to occur of: (i) reasonable direction by the Holders
of Certificates evidencing at least 25% of the Voting Rights or the NIMS
Insurer, if any, (ii) the occurrence of a Event of Default under the Pooling and
Servicing Agreement, (iii) the occurrence of a bankruptcy, insolvency or
foreclosure relating to the Seller, (iv) the occurrence of a servicing transfer
as described in Section 7.02 of the Pooling and Servicing Agreement and (v) if
the Seller is not the Master Servicer, the occurrence of a bankruptcy,
insolvency or foreclosure relating to the Mortgagor under the related Mortgage.
Upon (a) receipt of written notice from the Trustee that recording of the
Assignments is required pursuant to one or more of the conditions set forth in
the preceding sentence, the Seller shall be
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required to deliver such Assignments for recording as provided above, promptly
and in any event within 30 days following receipt of such notice. The Seller
shall furnish the Trustee, or its designated agent, with a copy of each
Assignment submitted for recording. In the event that any such Assignment is
lost or returned unrecorded because of a defect therein, the Seller shall
promptly have a substitute Assignment prepared or have such defect cured, as the
case may be, and thereafter cause each such Assignment to be duly recorded.
To the extent an Assignment referred to in clause (c)(iii)
above is required to be recorded (including, without limitation, Assignments for
states which are not covered by the Opinion of Counsel in the prior paragraph),
the Seller at its own expense shall complete and submit it for recording in the
appropriate public office for real property records, with such Assignment
completed in favor of the Trustee. While such Assignment to be recorded is being
recorded, the Trustee shall retain a photocopy of such Assignment. If any
Assignment is lost or returned unrecorded to the Trustee because of any defect
therein, the Seller is required to prepare a substitute Assignment or cure such
defect, as the case may be, and the Seller shall cause such substitute
Assignment to be recorded in accordance with this paragraph.
Notwithstanding anything to the contrary contained in this
Section 2.1, in those instances where the public recording office retains the
original Mortgage after it has been recorded, the Seller shall be deemed to have
satisfied its obligations hereunder upon delivery to the Trustee of a copy of
such Mortgage certified by the public recording office to be a true and complete
copy of the recorded original thereof.
If any Assignment is lost or returned unrecorded to the
Trustee because of any defect therein, the Seller shall prepare a substitute
Assignment or cure such defect, as the case may be, and the Seller shall cause
such Assignment to be recorded in accordance with this section.
If a defect in any Mortgage File is discovered which
materially and adversely affects the value of the related Mortgage Loan, or the
interests of the Certificateholders in such Mortgage Loan, including if any
document required to be delivered to the Trustee has not been delivered
(provided that a Mortgage File will not be deemed to contain a defect for an
unrecorded Assignment under clause (iii) above if the Seller has submitted such
Assignment for recording pursuant to the terms of the following paragraph), the
Seller shall either (i) purchase such Mortgage Loan from the Trust Fund at the
Purchase Price within 90 days after the date on which the Seller was notified of
such defect; provided, that if such defect would cause the Mortgage Loan to be
other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code,
any such cure or repurchase must occur within 90 days from the date such breach
was discovered, or cure such defect, or (ii) substitute a Qualified Substitute
Mortgage Loan for the related Mortgage Loan upon the same terms and conditions
set forth in Section 3.1 hereof for substitutions.
The Seller shall exercise its best reasonable efforts to
deliver or cause to be delivered to the Custodian on behalf of the Trustee
within 120 days of the Closing Date, with
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respect to the Mortgage Loans, the original or a photocopy of the title
insurance policy with respect to each such Mortgage Loan assigned to the
Purchaser pursuant to this Section 2.1.
In connection with the assignment of any Mortgage Loan
registered on the MERS(R) System, the Seller further agrees that it will cause,
at the Seller's own expense, as of the Closing Date, the MERS(R) System to
indicate that such Mortgage Loans have been assigned by the Seller 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. The Seller and the Purchaser further
agree that they will not, and will not permit the Master Servicer to, 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.
The Purchaser hereby acknowledges its acceptance of all right,
title and interest to the Mortgage Loans and other property, now existing and
hereafter created, conveyed to it pursuant to this Section 2.1, other than with
respect to servicing rights with respect to the Mortgage Loans. In addition to
the foregoing, on the Closing Date the Seller assigns to the Purchaser all of
its right, title and interest in the Servicing Agreements.
(c) The parties hereto intend that the transaction set forth
herein constitutes a sale by the Seller to the Purchaser of all the
Seller's right, title and interest in and to the Mortgage Loans (other
than with respect to the related servicing rights) and other property
as and to the extent described above. In the event the transaction set
forth herein is deemed not to be a sale, the Seller hereby grants to
the Purchaser a security interest in all of the Seller's right, title
and interest in, to and under the Mortgage Loans (other than with
respect to the related servicing rights) and such other property, to
secure all of the Seller's obligations hereunder, and this Agreement
shall constitute a security agreement under applicable law. The Seller
agrees to take or cause to be taken such actions and to execute such
documents, including without limitation the filing of all necessary
UCC-1 financing statements filed in the State of Delaware (which shall
have been submitted for filing as of the Closing Date with respect to
the aggregate Stated Principal Balance of the Mortgage Loans), any
continuation statements with respect thereto and any amendments thereto
required to reflect a change in the name or corporate structure of the
Seller or the filing of any additional UCC-1 financing statements due
to the change in the principal office of the Seller, as are necessary
to perfect and protect the Purchaser's interests in each Mortgage Loan
and the proceeds thereof.
Section 2.2. Payment of Purchase Price for the Mortgage Loans.
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(a) The purchase price for the Mortgage Loans (other than with
respect to the servicing rights thereto) shall be the sum of (1)
$307,236,517.00 and (2) a 100% Percentage Interest in the Class P,
Class C and Class R Certificates.
(b) In consideration of the sale of the Mortgage Loans from
the Seller to the Purchaser on the Closing Date, the Purchaser shall
(1) pay to the Seller on the Closing Date by wire transfer of
immediately available funds to a bank account designated by the Seller,
the amount specified above in clause (a)(1) and (2) cause the transfer
to the Seller of the Certificates in clause (a)(2).
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ARTICLE III
REPRESENTATIONS AND WARRANTIES;
REMEDIES FOR BREACH
Section 3.1. Seller Representations and Warranties. The Seller
hereby represents and warrants to the Purchaser as of the Closing Date (or if
otherwise specified below, as of the date so specified) that:
(a) with respect to the Seller:
(i) the Seller is a limited liability company duly
organized, validly existing and in good standing under the
laws of the State of Delaware;
(ii) the Seller has full corporate power to own its
property, to carry on its business as presently conducted and
to enter into and perform its obligations under this
Agreement;
(iii) the execution and delivery by the Seller of
this Agreement have been duly authorized by all necessary
corporate action on the part of the Seller; and neither the
execution and delivery of this Agreement, nor the consummation
of the transactions herein contemplated hereby, nor compliance
with the provisions hereof, will conflict with or result in a
breach of, or constitute a default under, any of the
provisions of any law, governmental rule, regulation,
judgment, decree or order binding on the Seller or its
properties or the certificate of incorporation or by-laws of
the Seller, except those conflicts, breaches or defaults which
would not reasonably be expected to have a material adverse
effect on the Seller's ability to enter into this Agreement
and to consummate the transactions contemplated hereby;
(iv) the execution, delivery and performance by the
Seller of this Agreement and the consummation of the
transactions contemplated hereby do not require the consent or
approval of, the giving of notice to, the registration with,
or the taking of any other action in respect of, any state,
federal or other governmental authority or agency, except
those consents, approvals, notices, registrations or other
actions as have already been obtained, given or made and, in
connection with the recordation of the Mortgages, powers of
attorney or assignments of Mortgages not yet completed;
(v) this Agreement has been duly executed and
delivered by the Seller and, assuming due authorization,
execution and delivery by the Purchaser, constitutes a valid
and binding obligation of the Seller enforceable against it in
accordance with its terms (subject to applicable bankruptcy
and insolvency laws
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and other similar laws affecting the enforcement of the rights
of creditors generally);
(vi) to the best of the Seller's knowledge, there are
no actions, litigation, suits or proceedings pending or
threatened against the Seller before or by any court,
administrative agency, arbitrator or governmental body (i)
with respect to any of the transactions contemplated by this
Agreement or (ii) with respect to any other matter which in
the judgment of the Seller if determined adversely to the
Seller would reasonably be expected to materially and
adversely affect the Seller's ability to perform its
obligations under this Agreement; and the Seller is not in
default with respect to any order of any court, administrative
agency, arbitrator or governmental body so as to materially
and adversely affect the transactions contemplated by this
Agreement; and
(vii) the Seller's chief executive office and
principal place of business are located in the County of
Bergen in the State of New Jersey; and
(b) with respect to the Mortgage Loans:
(i) as of the Cut-off Date, the information set forth in the
Mortgage Loan Schedule hereto is true and correct in all material
respects;
(ii) immediately prior to the transfer to the Purchaser, the
Seller was the sole owner and holder of, and had good title to, each
Mortgage and Mortgage Note relating to the Mortgage Loans and is
conveying the same free and clear of any and all liens, claims,
encumbrances, participation interests, equities, pledges, charges or
security interests of any nature, the Mortgage Loans and Mortgage Notes
were not subject to any assignment or pledge, and the Seller has full
right and authority to sell or assign the same pursuant to this
Agreement;
(iii) no selection procedure reasonably believed by the Seller
to be adverse to the interests of the Certificateholders or the Trust
was utilized in selecting the Mortgage Loans;
(iv) each Mortgage Loan constitutes a "qualified mortgage"
under Section 860G(a)(3)(A) of the Code and Treasury Regulation Section
1.860G-2(a)(1);
(v) the information set forth under the caption "The Mortgage
Pool--General" and "--Mortgage Loan Characteristics" in the Prospectus
Supplement is true and correct in all material respects;
(vi) as of the Cut-off Date, no Mortgage Loan is 30 or more
days past due. The Seller has not advanced funds, or induced, solicited
or knowingly received any advance of
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funds from a party other than the owner of the related Mortgaged
Property, directly or indirectly, for the payment of any amount
required by the Mortgage Note or Mortgage;
(vii) there are no delinquent taxes or assessment liens
against the related Mortgaged Property;
(viii) no default, breach, violation or waiver exists under
the mortgage documents, and no modifications to the mortgage documents
have been made that have not been reflected in the Mortgage Loan
Schedule;
(ix) all buildings upon, or comprising part of, the Mortgaged
Property are insured by an insurer acceptable to Xxxxxx Xxx and Xxxxxxx
Mac against loss by fire, hazards of extended coverage and such other
hazards as are customary in the area where the Mortgaged Property is
located, and such insurer is licensed to do business in the state where
the Mortgaged Property is located. All such insurance policies contain
a standard mortgagee clause naming the originator, its successors and
assigns as mortgagee and Seller has received no notice that all
premiums thereon have not been paid. The amount of the Mortgage Loan
covered by these insurance policies is in accordance with the standards
of Xxxxxx Mae or Xxxxxxx Mac. If upon origination of the Mortgage Loan,
the Mortgaged Property was, or was subsequently deemed to be, in an
area identified in the Federal Register by the Federal Emergency
Management Agency as having special flood hazards (and such flood
insurance has been made available), which require under applicable law
that a flood insurance policy meeting the requirements of the current
guidelines of the Federal Insurance Administration (or any successor
thereto) be obtained, such flood insurance policy is in effect which
policy is with a generally acceptable carrier in an amount representing
coverage not less than the least of (A) the principal balance of the
related Mortgage Loan, (B) the minimum amount required to compensate
for damage or loss on a replacement cost basis, or (C) the maximum
amount of insurance that is available under the Flood Disaster
Protection Act of 1973. The Mortgage obligates the Mortgagor thereunder
to maintain all such insurance at Mortgagor's cost and expense and, on
the Mortgagor's failure to do so, authorizes the holder of the Mortgage
to maintain such insurance at Mortgagor's cost and expense and to
obtain reimbursement therefor from the Mortgagor;
(x) all parties which have had any interest in the Mortgage
Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or
during the period in which they held and disposed of such interest,
were) in compliance with any and all applicable "doing business" and
licensing requirements of the state wherein the Mortgaged Property is
located;
(xi) as of the date of transfer of the Mortgage Loans, there
is no mechanics' lien or claim for work, labor or material affecting
the Mortgaged Property except those which are insured against by the
title insurance policy;
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(xii) as of the date of the transfer of the Mortgage Loans to
the Purchaser, there is no valid offset, defense or counterclaim to any
Mortgage Note or Mortgage, and, to the best of the Seller's knowledge
or the knowledge of the related servicer, no such offset, defense or
counterclaim has been asserted with respect thereto;
(xiii) as of the Closing Date, the physical property subject
to any Mortgage is free of material damage and is in good repair and,
to the best of the Seller's knowledge or the knowledge of the related
servicer, there is no proceeding for the total or partial condemnation
thereof and no eminent domain proceedings are pending;
(xiv) No foreclosure proceedings are pending against the
Mortgaged Property and the Mortgage Loan is not subject to any pending
bankruptcy or insolvency proceeding, and to the best of the Seller's
knowledge or the knowledge of the related servicer, no material
litigation or lawsuit relating to the Mortgage Loan is pending;
(xv) all improvements which were considered in determining the
appraised value of the related Mortgaged Property lay wholly within the
boundaries and building restriction lines of the Mortgaged Property,
and no improvements on adjoining properties encroach upon the Mortgaged
Property;
(xvi) at the time of origination, no improvement located on or
being part of the Mortgaged Property was in violation of any applicable
zoning and subdivision laws or ordinances;
(xvii) to the best of the Seller's knowledge, all inspections,
licenses and certificates required to be made or issued with respect to
all occupied portions of the Mortgaged Property and, with respect to
the use and occupancy of the same, including but not limited to
certificates of occupancy, have been made or obtained from the
appropriate authorities;
(xviii) as of the origination date of each Mortgage Loan, the
related Mortgaged Property is lawfully permitted to be occupied under
applicable law;
(xix) each Mortgage Loan is and will be a mortgage loan
arising out of the originator's practice in accordance with the
underwriting guidelines of the related originator. The Seller has no
knowledge of any fact that should have led it to expect at the time of
the initial creation of an interest in the Mortgage Loan that such
Mortgage Loan would not be paid in full when due;
(xx) each original Mortgage has been recorded or is in the
process of being recorded in the appropriate jurisdictions wherein such
recordation is required to perfect the lien thereof for the benefit of
the Trust Fund;
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(xxi) if an Assignment is included in the Mortgage File, such
Assignment is in recordable form and is acceptable for recording under
the laws of the jurisdiction in which the Mortgaged Property is
located;
(xxii) the related Mortgage File contains each of the
documents and instruments specified;
(xxiii) the Mortgage Loans are being serviced according to the
guidelines of the applicable servicer;
(xxiv) the Mortgage Note and the Mortgage have not been
altered or modified in any material respect, except by a written
instrument which has been recorded, and the substance of any such
alteration or modification has been approved by the title insurer, to
the extent required by the related policy. No instrument of alteration
or modification has been executed by the Seller or any other person in
the chain of title from the Seller, and no Mortgagor has been released,
in whole or in part, except in connection with an assumption agreement
approved by the title insurer;
(xxv) the Mortgage has not been satisfied, subordinated,
rescinded or canceled, in whole or in part, and the Mortgaged Property
has not been released from the lien of the Mortgage, in whole or in
part, nor has any instrument been executed that would effect any such
satisfaction, subordination, rescission, cancellation or release;
(xxvi) a lender's title policy or binder, or other assurance
of title insurance customary in a form acceptable to Xxxxxx Mae or
Xxxxxxx Mac was issued at origination and each policy or binder is
valid and remains in full force and effect;
(xxvii) The Mortgaged Property consists of a contiguous parcel
of real property with single-family residence erected thereon, or a
two- to four- family dwelling, or an individual condominium unit, or an
individual unit in a planned unit development or a DE MINIMIS planned
unit development. To the best of the Seller's knowledge, the Mortgaged
Property does not consist of any of the following property types: (a)
co-operative units, (b) mobile homes and (c) manufactured homes (as
defined in the Xxxxxx Mae Originator- Servicer's Guide), except when
the appraisal indicates that the home is of comparable construction to
a stick or beam construction home, is readily marketable, has been
permanently affixed to the site and is not in a mobile home "park." The
Mortgaged Property is either a fee simple estate or a residential
lease. If any of the Mortgage Loans are secured by a leasehold
interest, with respect to each leasehold interest: the use of leasehold
estates for residential properties is an accepted practice in the area
where the related Mortgaged Property is located; residential property
in such area consisting of leasehold estates is readily marketable; the
lease is recorded and no party is in any way in breach of any provision
of such lease; the leasehold is in full force and effect and is not
subject to any prior lien or encumbrance by which the leasehold could
be terminated or
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subject to any charge or penalty; and the remaining term of the lease
does not terminate less than ten years after the maturity date of such
Mortgage Loan;
(xxviii) either (a) the Mortgage File contains an appraisal of
the related Mortgaged Property which satisfied the standards of Xxxxxx
Mae and Xxxxxxx Mac and was made and signed, prior to the approval of
the Mortgage Loan application, by a qualified appraiser, duly appointed
by the Seller, who had no interest, direct or indirect in the Mortgaged
Property or in any loan made on the security thereof, whose
compensation is not affected by the approval or disapproval of the
Mortgage Loan and who met the minimum qualifications of Xxxxxx Mae and
Xxxxxxx Mac or (b) with respect to no more than 0.49% of the Mortgage
Loans, by aggregate principal balance as of the Cut-off Date, the
Mortgage File contains an "automated valuation" in accordance with the
underwriting standards of the related originator. Each appraisal of the
Mortgage Loan was made in accordance with the relevant provisions of
the Financial Institutions Reform, Recovery, and Enforcement Act of
1989;
(xxix) in the event the Mortgage constitutes a deed of trust,
a trustee, duly qualified under applicable law to serve as such, has
been properly designated and currently so serves and is named in the
Mortgage, and no fees or expenses are or will become payable by the
Purchaser to the trustee under the deed of trust, except in connection
with a trustee's sale after default by the Mortgagor;
(xxx) none of the Mortgage Loans are "buydown" mortgage loans
or graduated payment mortgage loans;
(xxxi) the Mortgage is a legal, valid, existing and
enforceable first lien on the Mortgaged Property, including all
improvements on the Mortgaged Property, if any, subject only to (1) the
lien of current real property taxes and assessments not yet due and
payable, (2) covenants, conditions and restrictions, rights of way,
easements and other matters of the public record as of the date of
recording being acceptable to mortgage lending institutions generally
and specifically referred to in the lender's title insurance policy
delivered to the originator of the Mortgage Loan and which do not
materially and adversely affect the Appraised Value of the Mortgaged
Property and (3) other matters to which like properties are commonly
subject which do not materially and adversely affect the benefits of
the security intended to be provided by the Mortgage. The Seller has
full right to sell and assign the Mortgage to the Purchaser;
(xxxii) the related Mortgage Note and Mortgage are genuine and
each is the legal, valid and binding obligation of the maker thereof,
enforceable in accordance with its terms except as such enforcement may
be limited by bankruptcy, insolvency, reorganization or other similar
laws affecting the enforcement of creditors' rights generally and by
general equity principles (regardless of whether such enforcement is
considered in a proceeding in equity or at law). All parties to the
Mortgage Note and
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Mortgage had legal capacity to execute the Mortgage Note and Mortgage
and each Mortgage Note and Mortgage have been duly and properly
executed by such parties;
(xxxiii) each Mortgagor who is a party to the Mortgage Note is
a natural person;
(xxxiv) each Mortgage Loan was originated or purchased by (a)
a savings and loan association, savings bank, commercial bank, credit
union, insurance company or similar institution which is supervised and
examined by a federal or state authority (or originated by (i) a
subsidiary of any of the foregoing institutions which subsidiary is
actually supervised and examined by applicable regulatory authorities
or (ii) a mortgage loan correspondent of any of the foregoing and that
was originated pursuant to the criteria established by any of the
foregoing) or (b) a mortgagee approved by the Secretary of Housing and
Urban Development pursuant to sections 203 and 211 of the National
Housing Act, as amended, in each case within the meaning of Section
3(a)(41)(A)(ii) of the Exchange Act;
(xxxv) no proceeds from any Mortgage Loan were used to
purchase single premium credit life, disability, accident or health
insurance policies, as a condition to closing such Mortgage Loan;
(xxxvi) each servicer of a Mortgage Loan has accurately and
fully reported its borrower credit files to at least one credit
repository in a timely manner;
(xxxvii) the proceeds of each Mortgage Loan have been fully
disbursed, there is no requirement for future advances thereunder and
any and all requirements as to completion of any on-site or off-site
improvements and as to disbursement from any escrow funds therefore
have been complied with;
(xxxviii) the related Mortgage contains customary and
enforceable provisions which render the rights and remedies of the
holder thereof adequate for the realization against the Mortgaged
Property of the benefits of the security, including (1) in the case of
Mortgage designated as a deed of trust, by trustee's sale, and (2)
otherwise by judicial foreclosure;
(xxxix) there exist no deficiencies with respect to escrow
deposits and payment, if such are required, for which customary
arrangements for repayment thereof have not been made, and no escrow
deposits or payments of other charges or payments due the Seller have
been capitalized under the Mortgage or the related Mortgage Note;
(xl) the Mortgage contains an enforceable provision (or the
acceleration of the payment of the unpaid principal balance of the
Mortgage Loan in the even that the Mortgaged Property is sold or
transferred without the prior written consent of the mortgagee
thereunder, except as may be limited by applicable law;
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(xli) each Mortgage Note is comprised of one original
promissory note and each such promissory note constitutes an
"instrument" for purposes of section 9- 102(a)(65) of the Uniform
Commercial Code;
(xlii) There was no fraud involved in the origination of the
Mortgage Loan by the mortgagee or by the Mortgagor, any appraiser or
any other party involved in the origination of the Mortgage Loan;
(xliii) with respect to each adjustable-rate Mortgage Loan,
all adjustment to the Mortgage Rate and monthly payment have been done
in accordance with the terms of the related Mortgage Note;
(xliv) all requirements of any federal, state or local law
(including usury, truth in lending, real estate settlement procedures,
consumer credit protection, equal credit opportunity, disclosure or
recording, predatory and abusive lending laws) applicable to the
acquisition, origination and servicing of such Mortgage Loan have been
complied with in all material respects;
(xlv) none of the Mortgage Loans are (a) loans subject to 12
CFR Part 226.31, 12 CFR Part 226.32 or 12 CFR Part 226.34 of Regulation
Z, the regulation implementing TILA, which implements the Home
Ownership and Equity Protection Act of 1994, as amended ("HOEPA"), (b)
loan subject to, or in violation of, any applicable state or local law,
ordinance or regulation similar to HOEPA or (c) classified and/or
defined as a "high cost home loan" under any federal, state or local
law or ordinance or regulation;
(xlvi) no Mortgage Loan that is secured by a Mortgaged
Property located in the State of Georgia was originated on or after
October 1, 2002 and before March 7, 2003;
(xlvii) none of the Mortgage Loans secured by Mortgaged
Property in the States of Georgia, New York, Arkansas, Kentucky and
Florida is a "high cost home loan" as defined in the Georgia Fair
Lending Act, as amended (the "Georgia Act"), the Arkansas Home Loan
Protection Act, as amended (the "Arkansas Act"), Kentucky Revised
Statutes ss.360.100, as amended (the "Kentucky Act"), the Florida Home
Loan Protection Act ss.494.007 (the "Florida Act"), and the New York
Predatory Lending Law, codified as N.Y. Banking Law ss.6-I, N.Y. Gen.
Bus. Law ss.771-a, and N.Y. Real Prop. Acts Law ss.1302 (together, the
"New York Act"), respectively;
(xlviii) none of the Mortgage Loans are subject to the New
York Act; none of the Mortgage Loans secured by Mortgaged Property in
the District of Columbia is a "covered loan" as defined in the District
of Columbia Home Loan Protection Act ss.26-1151.01 (the "D.C. Act");
none of the Mortgage Loans secured by Mortgaged Property in Maine is a
"high-rate, high-fee mortgage" as defined in Maine Consumer Credit Code
-- Truth In Lending ss.8-103 (the "Maine Act"); none of the Mortgage
Loans secured by Mortgaged
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Property in Nevada is a "home loan" as defined in Nevada Revised
Statutes title 52, as amended by Assembly Xxxx No. 284, 72nd Session
(Nevada 2003) (the "Nevada Act"); and all the Mortgage Loans that are
subject to the Georgia Act, the New York Act, the Arkansas Act, the
Kentucky Act, the Florida Act, the D.C. Act, the Maine Act and the
Nevada Act comply with the requirements of each such legislation; and
(xlix) the information set forth in the Mortgage Loan Schedule
with respect to the Prepayment Charges is true and correct in all
material respects and each Prepayment Charge is enforceable and was
originated in compliance with all applicable federal, state, and local
laws.
It is understood and agreed that the representations and
warranties set forth in this Section 3.1 shall survive the sale of the Mortgage
Loans from the Seller to the Purchaser and shall inure to the benefit of the
Purchaser, its successors and assigns, notwithstanding any restrictive or
qualified endorsement on any Mortgage Note or assignment of Mortgage or the
examination of any Mortgage File. It is understood by the parties hereto that a
breach of the representations and warranties made Section 3.1(b)(xliv), (xlv),
(xlvi), (xlvii), (xlviii) or (xlix) will be deemed to materially and adversely
affect the value of the related Mortgage Loan or the interest of the Purchaser.
Upon discovery or receipt of notice by the Seller, the
Purchaser or the Trustee of a breach of any representation or warranty of the
Seller set forth in clause (b) above which breach materially and adversely
affects the value of the Mortgage Loans or the interests of the Purchaser, the
Certificateholders or the Trustee in any of the Mortgage Loans delivered to the
Purchaser pursuant to this Agreement, the party discovering or receiving notice
of such breach shall give prompt written notice to the others. In the case of
any such breach of a representation or warranty set forth in clause (b) above,
the Seller shall, within 90 days from the date that the Seller was notified or
otherwise obtained knowledge of such breach, either (i) cure such breach in all
material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the
Purchase Price; provided that if such breach would cause the Mortgage Loan to be
other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code,
any such cure or repurchase must occur within 90 days from the date such breach
was discovered; and provided, further, that (A) in the case of a breach of the
representation and warranty concerning the Mortgage Loan Schedule contained in
clause (b)(i), if such breach relates to any field on the Mortgage Loan Schedule
which identifies any Prepayment Charge or (B) in the case of a breach of
representation (xlix) or the unenforceability of any Prepayment Charge due to
subsequent changes in law, then, in each case, in lieu of purchasing such
Mortgage Loan from the Trust Fund at the Purchase Price, the Seller shall pay
the amount of the Prepayment Charge (net of any amount previously collected by
or paid to the Trust Fund in respect of such Prepayment Charge), and the Seller
shall have no obligation to repurchase (or, as detailed below, substitute for)
such Mortgage Loan. However, subject to the approval of the Purchaser, the
Seller shall have the option to substitute a Qualified Substitute Mortgage Loan
or Loans for such Mortgage Loan if such substitution occurs within two years
following the Closing Date, except that if the breach would cause the Mortgage
Loan
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to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the
Code, any such substitution must occur within 90 days from the date the breach
was discovered if such 90 day period expires before two years following the
Closing Date. If the Seller fails to repurchase or substitute for the affected
Mortgage Loan, the Seller shall repurchase or substitute for such Mortgage Loan.
If the breach of representation and warranty that gave rise to the obligation to
repurchase or substitute a Mortgage Loan pursuant to this Section 3.1 was the
representation set forth in clause (xliv), (xlv), (xlvi), (xlvii) or (xlviii) of
this Section 3.1(b), then the Seller shall pay to the Trust Fund, concurrently
with and in addition to the remedies provided in the third preceding sentence,
an amount equal to any liability, penalty or the expense that was actually
incurred and paid out of or on behalf of the Trust Fund, and that directly
resulted from such breach, or if incurred and paid by the Trust Fund thereafter,
concurrently with such payment. The obligations of the Seller to cure, purchase
or substitute a Qualified Substitute Mortgage Loan shall constitute the
Purchaser's, the Trustee's and the Certificateholders' sole and exclusive remedy
under this Agreement or otherwise respecting a breach of representations or
warranties hereunder with respect to the Mortgage Loans.
In the event that the Seller elects to substitute a Qualified
Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this
Section 3.1(b), the Seller shall deliver to the Trustee and the Master Servicer,
as appropriate, with respect to such Qualified Substitute Mortgage Loan or
Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage
in recordable form, and such other documents and agreements as are required by
Section 2.1, with the Mortgage Note endorsed as required by Section 2.1. No
substitution will be made in any calendar month after the Determination Date for
such month. Monthly Payments due with respect to Qualified Substitute Mortgage
Loans in the month of substitution, to the extent received by the Master
Servicer, will be retained by the Master Servicer and remitted by the Master
Servicer to the Seller on the next succeeding Distribution Date. After the month
of substitution, the Seller shall be entitled to retain all amounts received in
respect of such Deleted Mortgage Loan. Upon such substitution, the Mortgage Loan
Schedule shall be amended to reflect the addition of the Qualified Substituted
Mortgage Loan or Loans, the Qualified Substitute Mortgage Loan or Loans shall be
subject to the terms of this Agreement in all respects, and the Seller shall be
deemed to have made the non-statistical representations and warranties with
respect to the Qualified Substitute Mortgage Loan contained in Section 3.1(b) as
of the date of substitution.
In connection with the substitution of one or more Qualified
Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master
Servicer will determine the amount (if any) by which the aggregate principal
balance of all such Qualified Substitute Mortgage Loans as of the date of
substitution is less than the aggregate Stated Principal Balance of all such
Deleted Mortgage Loans (in each case after application of the principal portion
of the Monthly Payments due in the month of substitution that are to be
distributed to Certificateholders in the month of substitution). The Seller
shall provide the Master Servicer on the day of substitution for immediate
deposit into the Custodial Account the amount of such shortfall, without any
reimbursement therefor. The Seller shall give notice in writing to the Trustee
and the NIMS
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Insurer, if any, of such event, which notice shall be accompanied by an Officers
Certificate as to the calculation of such shortfall and by an Opinion of Counsel
to the effect that such substitution will not cause (a) any federal tax to be
imposed on any REMIC created pursuant to the Pooling and Servicing Agreement 2
including without limitation, any federal tax imposed on "prohibited
transactions" under Section 860F(a)(1) of the Code or on "contributions after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC created pursuant to the Pooling and Servicing Agreement to fail to qualify
as a REMIC at any time that any Certificate is outstanding. The costs of any
substitution as described above, including any related assignments, opinions or
other documentation in connection therewith shall be borne by the Seller.
Any cause of action against the Seller or relating to or
arising out of a breach by the Seller of any representations and warranties made
in clause (b) above shall accrue as to any Mortgage Loan upon (i) discovery of
such breach by the Seller or notice thereof by the party discovering such breach
and (ii) failure by the Seller to cure such breach, purchase such Mortgage Loan
or substitute a Qualified Substitute Mortgage Loan pursuant to the terms hereof.
Section 3.2. The Purchaser's Representations and Warranties.
The Purchaser hereby represents and warrants to the Seller as of the Closing
Date (or if otherwise specified below, as of the date so specified) that:
(a) the Purchaser is a corporation duly organized, validly
existing and in good standing under the laws of the State of Delaware;
(b) the Purchaser has full corporate power to own its
property, to carry on its business as presently conducted and to enter
into and perform its obligations under this Agreement;
(c) the execution and delivery by the Purchaser of this
Agreement have been duly authorized by all necessary corporate action
on the part of the Purchaser; and neither the execution and delivery of
this Agreement, nor the consummation of the transactions herein
contemplated hereby, nor compliance with the provisions hereof, will
conflict with or result in a breach of, or constitute a default under,
any of the provisions of any law, governmental rule, regulation,
judgment, decree or order binding on the Purchaser or its properties or
the certificate of incorporation or by-laws of the Purchaser, except
those conflicts, breaches or defaults which would not reasonably be
expected to have a material adverse effect on the Purchaser's ability
to enter into this Agreement and to consummate the transactions
contemplated hereby;
(d) the execution, delivery and performance by the Purchaser
of this Agreement and the consummation of the transactions contemplated
hereby do not require the consent or approval of, the giving of notice
to, the registration with, or the taking of any other action in respect
of, any state, federal or other governmental authority or agency,
except those consents, approvals, notices, registrations or other
actions as have
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already been obtained, given or made and, in connection with the
recordation of the Mortgages, powers of attorney or assignments of
Mortgages not yet completed;
(e) this Agreement has been duly executed and delivered by the
Purchaser and, assuming due authorization, execution and delivery by
the Purchaser, constitutes a valid and binding obligation of the
Purchaser enforceable against it in accordance with its terms (subject
to applicable bankruptcy and insolvency laws and other similar laws
affecting the enforcement of the rights of creditors generally); and
(f) except as previously disclosed to the Purchaser in the
Prospectus Supplement, there are no actions, suits or proceedings
pending or, to the best of the Purchaser's knowledge, threatened
against the Purchaser, before or by any court, administrative agency,
arbitrator or governmental body (i) with respect to any of the
transactions contemplated by this Agreement or (ii) with respect to any
other matter which in the judgment of the Purchaser if determined
adversely to the Purchaser or would reasonably be expected to
materially and adversely affect the Purchaser's ability to perform its
obligations under this Agreement; and the Purchaser is not in default
with respect to any order of any court, administrative agency,
arbitrator or governmental body so as to materially and adversely
affect the transactions contemplated by this Agreement.
ARTICLE IV
SELLER'S COVENANTS
Section 4.1. Covenants of the Seller. The Seller hereby
covenants that, except for the transfer hereunder with respect to the Mortgage
Loans, the Seller will not sell, pledge, assign or transfer to any other Person,
or grant, create, incur or assume any Lien on, any Mortgage Loan, whether now
existing or hereafter created, or any interest therein (other than the servicing
rights with respect thereto); the Seller will notify the Trustee, as assignee of
the Purchaser, of the existence of any Lien (other than as provided above) on
any Mortgage Loan immediately upon discovery thereof; and the Seller will defend
the right, title and interest of the Trustee, on behalf of the Trust Fund, in,
to and under the Mortgage Loans, whether now existing or hereafter created,
against all claims of third parties claiming through or under the Seller.
ARTICLE V
LIMITATION ON LIABILITY OF THE SELLER
Section 5.1. Limitation on Liability of the Seller. None of
the directors, officers, employees or agents of the Seller shall be under any
liability to the Purchaser hereunder, it being expressly understood that all
such liability is expressly waived and released as a condition of, and as
consideration for, the execution of this Agreement. Except as and to the extent
expressly
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provided in the Pooling and Servicing Agreement, the Custodial Agreement and
this Agreement, the Seller shall not be under any liability to the Trust Fund,
the Trustee or the Certificateholders thereunder. The Seller and any director,
officer, employee or agent of the Seller 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.
ARTICLE VI
TERMINATION
Section 6.1. Termination. The respective obligations and
responsibilities of the Seller and the Purchaser created hereby shall terminate
upon the termination of the Trust Fund pursuant to the terms of the Pooling and
Servicing Agreement.
ARTICLE VII
MISCELLANEOUS PROVISIONS
Section 7.1. Amendment. This Agreement may be amended from
time to time by the Seller and the Purchaser, with the consent of the NIMS
Insurer, if any, by written agreement signed by the Seller and the Purchaser.
Section 7.2. Governing Law. This Agreement shall be governed
by and construed in accordance with the laws of the State of New York and the
obligations, rights and remedies of the parties hereunder shall be determined in
accordance with such laws.
Section 7.3. Notices. All demands, notices and communications
hereunder shall be in writing and shall be deemed to have been duly given if
personally delivered at or mailed by registered mail, postage prepaid, addressed
as follows:
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(i) if to the Seller:
Home Star Mortgage Services LLC
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
Attention: General Counsel
or, such other address as may hereafter be furnished to the Purchaser in writing
by the Seller.
(ii) if to the Purchaser:
Homestar Mortgage Acceptance Corp.
W. 000 Xxxxxxx Xxxx
Xxxxxxx, Xxx Xxxxxx 00000
Attention: General Counsel
or such other address as may hereafter be furnished to the Seller in writing by
the Purchaser.
Section 7.4. Severability of Provisions. If any one or more of
the covenants, agreements, provisions or terms of this Agreement shall be held
invalid for any reason whatsoever. 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.
Section 7.5. Relationship of Parties. Nothing herein contained
shall be deemed or construed to create a partnership or joint venture between
the parties hereto, and the services of the Seller shall be rendered as an
independent contractor and not as agent for the Purchaser.
Section 7.6. Counterparts. This Agreement may be executed in
two or more counterparts and by the different parties hereto on separate
counterparts, each of which, when so executed, shall be deemed to be an original
and such counterparts together shall constitute one and the same Agreement.
Section 7.7. Survival. The representations and warranties made
herein by the Seller and the provisions of Article V hereof shall survive the
purchase of the Mortgage Loans hereunder.
Section 7.8. Further Agreements. The Purchaser and the Seller
each agree to execute and deliver to the other such additional documents,
instruments or agreements as may be necessary or appropriate to effectuate the
purposes of this Agreement. Each of the Purchaser and the Seller agrees to use
its best reasonable efforts to take all actions necessary to be taken by it to
cause the Certificates to be issued and rated in the highest rating category by
each of the Rating
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Agencies, with the Certificates to be offered pursuant to the Purchaser's shelf
registration statement, and each party will cooperate with the other in
connection therewith.
Section 7.9. Intention of the Parties. It is the intention of
the parties that the Purchaser is purchasing, and the Seller is selling, the
Mortgage Loans (other than the servicing rights with respect thereto), rather
than a loan by the Purchaser to the Seller secured by the Mortgage Loans.
Accordingly, the parties hereto each intend to treat this transaction with
respect to the Mortgage Loans for federal income tax purposes as a sale by the
Seller, and a purchase by the Purchaser, of the Mortgage Loans (other than the
servicing rights with respect thereto). The Purchaser will have the right to
review the Mortgage Loans and the Related Documents to determine the
characteristics of the Mortgage Loans which will affect the federal income tax
consequences of owning the Mortgage Loans and the Seller will cooperate with all
reasonable requests made by the Purchaser in the course of such review.
Section 7.10. Successors and Assigns; Assignment of Purchase
Agreement. This Agreement shall bind and inure to the benefit of and be
enforceable by the Seller, the Purchaser, the NIMS Insurer, if any, and their
respective successors and assigns. The NIMS Insurer, if any, shall be a
third-party beneficiary hereof and may enforce the terms hereof as if a party
hereto. The obligations of the Seller under this Agreement cannot be assigned or
delegated to a third party without the consent of the Purchaser, which consent
shall be at the Purchaser's sole discretion. The parties hereto acknowledge that
the Purchaser is acquiring the Mortgage Loans for the purpose of assigning the
Mortgage Loans to the Trustee, on behalf of the Trust Fund, for the benefit of
the Certificateholders. As an inducement to the Purchaser to purchase the
Mortgage Loans, the Seller acknowledges and consents to the assignment by the
Purchaser to the Trustee, on behalf of the Trust Fund of all of the Purchaser's
rights against the Seller pursuant to this Agreement and to the enforcement or
exercise of any right or remedy against the Seller pursuant to this Agreement by
the Purchaser. Such enforcement of a right or remedy by the Trustee, on behalf
of the Trust Fund, shall have the same force and effect as if the right or
remedy had been enforced or exercised by the Purchaser directly.
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IN WITNESS WHEREOF, the Seller and the Purchaser have caused
their names to be signed to this Mortgage Loan Purchase Agreement by their
respective officers thereunto duly authorized as of the day and year first above
written.
HOMESTAR MORTGAGE ACCEPTANCE CORP.
as Purchaser
By:
---------------------------------
Name:
Title:
HOME STAR MORTGAGE SERVICES LLC
as Seller
By:
---------------------------------
Name:
Title:
Exhibit 1
MORTGAGE LOAN SCHEDULE
[AVAILABLE UPON REQUEST]
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