ASSIGNMENT AND ASSUMPTION AGREEMENT
EXECUTION COPY
ASSIGNMENT AND ASSUMPTION AGREEMENT
THIS ASSIGNMENT AND ASSUMPTION AGREEMENT (the "Agreement"), dated as of November 19, 2004, among EMC Mortgage Corporation, a Delaware corporation (the "Assignor"), JPMorgan Chase Bank, N.A., as trustee (in such capacity the "Trustee") for the holders of Bear Xxxxxxx Asset Backed Securities Trust 2004-SD4, Asset-Backed Certificates, Series 2004-SD4 (the "Assignee"), and Xxxxx Fargo Bank, N.A. (the "Company") and acknowledged and agreed to by Xxxxx Fargo Bank, N.A, as master servicer and securities administrator, under the Pooling and Servicing Agreement, dated as of October 1, 2004 (the "Pooling and Servicing Agreement"), among Bear Xxxxxxx Asset Backed Securities I LLC, as depositor, the Assignor, as seller and servicer, Xxxxx Fargo Bank, N.A. and JPMorgan Chase Bank, N.A., as trustee:
For and in consideration of the sum of TEN DOLLARS ($10.00) and other valuable consideration the receipt and sufficiency of which hereby are acknowledged, and of the mutual covenants herein contained, the parties hereto hereby agree as follows:
1. The Assignor hereby grants, transfers and assigns to the Assignee all of the right, title and interest of the Assignor, as Purchaser (under and as defined in the Servicing Agreements referred to below), in, to and under those certain Mortgage Loans listed on Exhibit B attached hereto (the "Mortgage Loans") that are part of WFB Pools (the "WFB Pools") and those certain Seller's Warranties and Servicing Agreements, in each case between the Assignor, as Purchaser, and the Company (successor by merger to Xxxxx Fargo Home Mortgage, Inc.), with respect to the applicable WFB Pools (each a "Servicing Agreement" and collectively, the "Servicing Agreements") listed on Exhibit A; provided, however, that the Assignor does not grant, transfer or assign to the Assignee the representations and warranties contained in Section 3.02 of each of the Servicing Agreements and the related remedies for breach thereof contained in Section 3.03 of the Servicing Agreements, any right of indemnification with respect to Section 8.01 of each of the Servicing Agreements and the right of termination without cause pursuant to Section 11.02 of each of the Servicing Agreements. Capitalized terms not otherwise defined herein shall have the meaning ascribed to such terms in the Servicing Agreements.
The Assignor specifically reserves and does not assign to the Assignee hereunder any and all right, title and interest in, to and under and all obligations of the Assignor with respect to any mortgage loans subject to the Servicing Agreements, which are not the Mortgage Loans that are part of the WFB Pools as set forth on Exhibit B attached hereto, and are not the subject of this Agreement.
2. The Assignor warrants and represents to the Assignee and the Company as of the date hereof:
(a) Attached hereto as Exhibit C is a true and accurate copy of each of the Servicing Agreements, which 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) The Assignor is the lawful owner of the Mortgage Loans with full right to transfer the Mortgage Loans and any and all of its interests, rights and obligations under the Servicing Agreements as they relate to the Mortgage Loans, free and clear from any and all claims and encumbrances; and upon the transfer of the Mortgage Loans to the Assignee as contemplated herein, the Assignee shall have good title to each and every Mortgage Loan, as well as any and all of the Assignee's interests and rights under the Servicing Agreements as they relate to the Mortgage 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 Mortgage Loans or any Servicing Agreements;
(d) The Assignor has no knowledge of, and has not received notice of, any waivers under, or any modification of, any Mortgage Loan;
(e) The 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 Mortgage Loans;
(f) The Assignor has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of the Assignor's business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of the Assignor's charter or by-laws or any legal restriction, or any material agreement or instrument to which the 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 the Assignor or its property is subject. The execution, delivery and performance by the Assignor of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on the part of the Assignor. This Agreement has been duly executed and delivered by the Assignor and, upon the due authorization, execution and delivery by the Assignee and the Company, will constitute the valid and legally binding obligation of the Assignor enforceable against the 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 the Assignor in connection with the execution, delivery or performance by the Assignor of this Agreement, or the consummation by it of the transactions contemplated hereby. Neither the Assignor nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Mortgage Loans or any interest in the Mortgage Loans, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Mortgage Loans, or any interest in the Mortgage Loans or otherwise approached or negotiated with respect to the Mortgage Loans, or any interest in the Mortgage 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 Mortgage Loans under the Securities Act of 1933, as amended (the "1933 Act") or which would render the disposition of the Mortgage Loans a violation of Section 5 of the 1933 Act or require registration pursuant thereto;
(h) The Assignor has received from the Company, and has delivered to the Assignee or its Custodian, all documents required to be delivered to the Assignor or its Custodian by the Company prior to the date hereof pursuant to Section 2.03 of each of the Servicing Agreements with respect to the Mortgage Loans and has not received, and has not requested from the Company, any additional documents; and
(i) No event has occurred from the Closing Date to the date hereof which would render the representations and warranties as to the related Mortgage Loans made by the Company in Section 3.02 of any Servicing Agreement to be untrue in any material respect.
3. The Trustee, on behalf of the Assignee and not in its individual capacity, warrants and represents to, and covenants with, the Assignor and the Company that:
(a) The Trustee is a national banking association duly organized, validly existing and in good standing, and has all requisite power and authority to hold the Mortgage Loans on behalf of the holders of Bear Xxxxxxx Asset Backed Securities Trust 2004-SD4, Asset-Backed Certificates, Series 2004-SD4;
(b) The Trustee has full power and authority to execute, deliver and perform under this Agreement, and to consummate the transactions set forth herein. The execution, delivery and performance of the Trustee of this Agreement, and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary action of the Trustee. This Agreement has been duly executed and delivered by the Trustee on behalf of the holders of Bear Xxxxxxx Asset Backed Securities Trust 2004-SD4, Asset-Backed Certificates, Series 2004-SD4, and constitutes the valid and legally binding obligation of the Assignee enforceable against the 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) To the best of the Trustee's knowledge, no material consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by the Trustee in connection with the execution, delivery or performance by the Trustee of this Agreement on behalf of the Assignee, or the consummation by it of the transactions contemplated hereby; and
(d) The Trustee on behalf of the Assignee assumes all of the Assignor's rights as Purchaser under the Servicing Agreements, as amended hereby.
4. Company warrants and represents to, and covenant with, the Assignor and the Assignee as of the date hereof:
(a) Attached hereto as Exhibit C is a true and accurate copy of each 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) The Company is duly organized, validly existing and in good standing under the laws of the United States, and has all requisite power and authority to service the Mortgage Loans and otherwise to perform its obligations under the Servicing Agreements;
(c) The Company has full power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of the Company's business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of the Company's charter or by-laws or any legal restriction, or any material agreement or instrument to which the Company 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 the Company or its property is subject. The execution, delivery and performance by the Company of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary action on the part of the Company. This Agreement has been duly executed and delivered by the Company, and, upon the due authorization, execution and delivery by the Assignor and the Assignee, will constitute the valid and legally binding obligation of the Company, enforceable against the Company in accordance with its terms except as enforceability may be limited by the effect of insolvency, liquidation, conservatorship and other similar laws administered by the Federal Deposit Insurance Corporation affecting the enforcement of contract obligations of insured banks and subject to the application of the rules of equity, including those respecting the availability of specific performance;
(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 the Company in connection with the execution, delivery or performance by the Company of this Agreement, or the consummation by it of the transactions contemplated hereby;
(e) The Company shall establish a Custodial Account and an Escrow Account under that certain Seller's Warranties and Servicing Agreement, dated as of September 1, 2004, between the Assignor, as purchaser, and the Company, (the "Base Servicing Agreement") with respect to WFB Pools 6129 through 6134, in favor of the Assignee with respect to the Mortgage Loans separate from the Custodial Accounts and Escrow Accounts previously established under the Servicing Agreements in favor of the Assignor; and
(f) There are no offsets, counterclaims or other defenses available to the Company with respect to the Mortgage Loans or the Servicing Agreements.
Recognition of Assignee
5. From and after the date hereof, the Company shall recognize the Assignee as owner of the Mortgage Loans, and acknowledges that the Mortgage Loans will be part of a REMIC or multiple REMICs, and notwithstanding anything to the contrary set forth in any Servicing Agreement (as amended by this Agreement), will service all of the Mortgage Loans in accordance with the Base Servicing Agreement, as amended by this Agreement, but in no event in a manner that would (i) cause the REMIC to fail to qualify 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 contributions to a REMIC set forth in Section 860G(d) of the Code). It is the intention of the Assignor, the Company and the Assignee that this Agreement shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto. Neither the Company nor the Assignor shall amend or agree to amend, modify, waive, 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 Mortgage Loans without the prior written consent of the Assignee.
5A. Notwithstanding any term hereof to the contrary, it is expressly understood and agreed by the parties hereto that (i) this Agreement is acknowledged and accepted by the Assignee not individually or personally but solely as Assignee for the Trust in the exercise of the powers and authority conferred and vested in it under the Pooling and Servicing Agreement, (ii) each of the representations, undertakings and agreements herein made on behalf of the Trust is made and intended not as personal representations, undertakings and agreements of the Assignee but is made and intended for the purpose of binding only the Trust and (iii) under no circumstances shall the Assignee be personally liable for the payment of any indebtedness or expenses of the Assignee or the Trust or be liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by the Assignee, the Assignor or the Trust under this Agreement or made or undertaken by the Assignee, the Assignor or the Trust under the Servicing Agreements or the Pooling and Servicing Agreement. Any recourse against the Assignee in respect of any obligations it may have under or pursuant to the terms of this Agreement shall be limited solely to the assets it may hold as trustee of Bear Xxxxxxx Asset Backed Securities Trust 2004-SD4, Asset-Backed Certificates, Series 2004-SD4.
Modification of the Servicing Agreements
6. The Company and the Assignor hereby amend the Servicing Agreements as follows (provided that the amendments specified in subsections (a)(ii) and (e) of this Section 6 shall only be made if such definitions, clause or section, respectively, are not already in the applicable Servicing Agreement):
(a) The following definitions are added to Article I of each Servicing Agreement:
(i) Assignee: JPMorgan Chase Bank, N.A., as trustee for the holders of Bear Xxxxxxx Asset Backed Securities Trust 2004-SD4, Asset-Backed Certificates, Series 2004-SD4. |
(ii) Pooling and Servicing Agreement: The Pooling and Servicing Agreement, dated as of October 1, 2004, among Bear Xxxxxxx Asset Backed Securities I LLC, as depositor, EMC Mortgage Corporation, as seller and servicer, Xxxxx Fargo Bank, N.A., as master servicer and securities administrator and JPMorgan Chase Bank, N.A., as trustee (the "Trustee"), as amended. |
(iii) Master Servicer: Xxxxx Fargo Bank, N.A., in its capacity as master servicer pursuant to the Pooling and Servicing Agreement, and its successors and assigns. |
(iv) Trust Fund: The trust, assets of the trust and/or a separate pool or pools of assets as to which a REMIC election is made in connection with the securitization to which the Pooling and Servicing Agreement relates. |
(v) Base Servicing Agreement: The Seller's Warranties and Servicing Agreement, dated as of September 1, 2004, between the Purchaser and the Company, with respect to WFB Pools 6129 through 6134. |
(b) The definition of "Business Day" in Article I of the Base Servicing Agreement is hereby deleted in its entirety and replaced by the following:
"Any day other than (i) a Saturday or Sunday, or (ii) a day on which banking and savings and loan institutions in the states where the parties or the Master Servicer are located are authorized or obligated by law or executive order to be closed." |
(c) The word "or" in the phrase "rated A-1 by Standard & Poor's Ratings Group or Prime-1 by Xxxxx'x Investors Service, Inc." in the definition of "Qualified Depository" in Article I of each Servicing Agreement is hereby replaced with the word "and."
(d) The following are added as the last three paragraphs of Section 4.01 of each Servicing Agreement:
"Notwithstanding anything in this Agreement to the contrary, the Servicer shall not, unless the related Mortgagor is in default thereunder 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, including any reduction in the Mortgage Interest Rate, recasting of the amortization schedule and/or extension of the scheduled maturity thereof, or increase or reduction in the Stated Principal Balance thereof, 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 Trustee 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." |
(e) The following paragraph will replace the paragraph of Section 5.02 of the Base Servicing Agreement:
"No later than the tenth day (or if such tenth day is not a Business Day, the next succeeding Business Day) of any month, the Company shall furnish to the Purchaser a monthly remittance advice in the standard form of electronic Alltel® file, as to the period ending on the last day of the preceding month." |
(f) The following is added as the last paragraph of Section 6.05 of the Base Servicing Agreement:
"Any Annual Independent Public Accountant's Report furnished pursuant to this Subsection 6.05 shall be in such form as shall permit such report to be filed with the Securities and Exchange Commission as part of the Issuer's annual report on Form 10-K filed pursuant to the Securities Exchange Act of 1934, as amended, and no such Annual Independent Public Accountant's Report shall contain any language restricting, limiting or prohibiting such use of such report." |
(g) The provisions of Section 9.01 of each Servicing Agreement shall read in the form provided in the Base Servicing Agreement.
(h) A copy of each statement to be provided pursuant to Section 6.04 of the Base Servicing Agreement shall be furnished to the Master Servicer no later than the date specified in Section 6.04 for delivery of such statement to the Purchaser.
(i) A copy of each statement to be provided pursuant to Section 6.05 of the Base Servicing Agreement shall be furnished to the Master Servicer no later than the date specified in Section 6.05 for delivery of such statement to the Purchaser.
(j) Each Servicing Agreement shall have attached to it a new Exhibit E in the form attached as Exhibit E to the Base Servicing Agreement.
(k) Section 10.01 of the Base Servicing Agreement is modified by adding the phrase "8.04; or" in place of "8.04." at the end of clause (viii) thereof and inserting the following as clause (ix):
(ix) failure by the Company to duly perform, within the required time period, its obligations under Section 6.04, 6.05 or 9.01(c) of the Base Servicing Agreement, which failure continues unremedied for a period of thirty (30) days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Company by any party to this Servicing Agreement or by the Master Servicer. |
6A. Servicing of Mortgage Loans. The parties hereto agree that, notwithstanding anything to the contrary set forth in any Servicing Agreement, the Company shall service the mortgage loans that are part of the WFB Pools in accordance with the provisions of the Base Servicing Agreement, as amended hereby; provided, however, that the rights and remedies of any party under each other Servicing Agreement (as amended hereby) with respect to the servicing obligations of the Company shall be deemed to apply to the applicable provisions of the Base Servicing Agreement, as amended hereby, as if the terms thereof constituted part of such Servicing Agreement.
7. Acknowledgment of Master Servicer. The Company understands that the Master Servicer is acting on behalf of the Assignee pursuant to the Pooling and Servicing Agreement, and agrees that the Master Servicer shall be entitled to enforce the rights of the Assignee pursuant to this Agreement and the Servicing Agreements on behalf of the Assignee. In addition, the Company agrees that the Master Servicer shall be entitled to enforce directly the provisions of Sections 6.04, 6.05 and 9.01(c) and (e) of each Servicing Agreement on its own behalf.
8. Wire Instructions: Distributions shall be made by wire transfer of immediately available funds to Xxxxx Fargo Bank, N.A., ABA# 000-000-000, for credit to SAS Clearing Account# 0000000000, for further credit to BSABS 2004-SD4, Acct# 17126600. Applicable statements should be mailed to 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx 00000, Attention: BSABS 2004-SD4.
9. Notices:
The Assignor's address for purposes of all notices and correspondence related to the Mortgage Loans and this Agreement is:
EMC Mortgage Corporation Mac Xxxxxx Xxxxx XX 000 Xxxxxx Xxxxx Xxxxx, Xxxxx 000 Xxxxxx, Xxxxx 00000 Attention: Xx. Xxxxxx Xxxxx Facsimile: (000) 000-0000 |
With a copy to:
Bear Xxxxxxx Mortgage Capital Corporation 000 Xxxxxxx Xxxxxx Xxx Xxxx, Xxx Xxxx 00000 Attention: Xxxxx Xxxxxxxxxxx Facsimile: (000) 000-0000 |
The Assignee's address for purposes of all notices and correspondence related to the Mortgage Loans and this Agreement is:
JPMorgan Chase Bank, N.A., as trustee 0 Xxx Xxxx Xxxxx, 0xx Xxxxx Xxx Xxxx, Xxx Xxxx 00000 Attention: Attention: Institutional Trust Services/Global Debt - BSABS 2004-SD4 |
The Company's address for purposes of all notices and correspondence related to the Mortgage Loans and this Agreement is:
(i) with respect to servicing issues:
Xxxxx Fargo Bank, N.A. 1 Home Campus Xxx Xxxxxx, Xxxx 00000-0000 Attention: Xxxx X. Xxxxx, MAC X2401-042 Fax: (000) 000-0000 |
(ii) with respect to all other issues
Xxxxx Fargo Bank, N.A. 0000 Xxx Xxxxxxxxxx Xxx Xxxxxxxxx, Xxxxxxxx 00000 Attention: Xxxxxx Xxxx, MAC X3906-012 Fax: (000) 000-0000 |
In each instance, with a copy to:
Xxxxx Fargo Bank, N.A. 1 Home Campus Xxx Xxxxxx, Xxxx 00000-0000 Attention: General Counsel, MAC X2401-06T Fax: (000) 000-0000 |
Miscellaneous:
10. Each party will pay any commissions it has incurred and the Assignor shall pay the fees of its attorneys and the reasonable fees of the attorneys of the Assignee and the Company in connection with the negotiations for, documenting of and closing of the transactions contemplated by this Agreement.
11. THIS 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.
12. No term or provision of this 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.
13. This 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.
14. This Agreement shall survive the conveyance of the Mortgage Loans and the assignment of the Servicing Agreements to the extent of the Mortgage Loans by Assignor to Assignee.
15. 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.
16. In the event that any provision of this Agreement conflicts with any provision of any Servicing Agreement with respect to the Mortgage Loans, the terms of this Agreement shall control.
IN WITNESS WHEREOF, the parties have caused this Agreement to be executed by their duly authorized officers as of the date first above written.
JPMORGAN CHASE BANK, N.A., as trustee for the holders of Bear Xxxxxxx Asset Backed Securities Trust 2004-SD4, Asset-Backed Certificates, Series 2004-SD4 By: /s/ Xxx Xxxxx Name: Xxx Xxxxx Its: Assistant Vice President EMC MORTGAGE CORPORATION By: /s/ Xxx Xxxxxxxx Name: Xxx Xxxxxxxx Its: Executive Vice President Taxpayer Identification Number: 00-0000000 XXXXX FARGO BANK, N.A. By: /s/ Xxxxxx Xxxx Name: Xxxxxx Xxxx Its: Vice President |
Acknowledged and Agreed
XXXXX FARGO BANK, N.A., as Master
Servicer and Securities Administrator
By: /s/ Xxxxxx Xxxxxx
Name: Xxxxxx Xxxxxx
Its: Assistant Vice President
Exhibit A
Date of Servicing Agreement: As of July 1, 2003 As of September 1, 2003 As of October 1, 2003 As of November 1, 2003 As of December 1, 2003 As of March 1, 2004 As of April 1, 2004 As of May 1, 2004 As of August 1, 2004 As of September 1, 2004 |
With respect to WFB Pools: 5797 5851 5883 5916 5940 5981 6006 6021, 6022, 6023 and 6024 6096, 6097, 6098 and 6099 6130 and 6133 |
Exhibit B
Mortgage Loans
(Available Upon Request)
Exhibit C
Servicing Agreements
(Available Upon Request)