STRUCTURED ASSET MORTGAGE INVESTMENTS II INC., DEPOSITOR TRUSTEE WELLS FARGO BANK, N.A., MASTER SERVICER AND SECURITIES ADMINISTRATOR and EMC MORTGAGE CORPORATION, SELLER POOLING AND SERVICING AGREEMENT Dated as of May 1, 2006 Structured Asset...
STRUCTURED
ASSET MORTGAGE INVESTMENTS II INC.,
DEPOSITOR
U.S.
BANK
NATIONAL ASSOCIATION,
TRUSTEE
XXXXX
FARGO BANK, N.A.,
MASTER
SERVICER AND SECURITIES ADMINISTRATOR
and
EMC
MORTGAGE CORPORATION,
SELLER
Dated
as
of May 1, 2006
Structured
Asset Mortgage Investments II Inc.
Bear
Xxxxxxx ARM Trust, Mortgage Pass-Through Certificates
Series
2006-2
TABLE
OF
CONTENTS
ARTICLE
I
DEFINITIONS
ARTICLE
II CONVEYANCE
OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES
Section
2.01 Conveyance
of Mortgage Loans to Trustee.
Section
2.02 Acceptance
of Mortgage Loans by Trustee.
Section
2.03 Assignment
of Interest in the Mortgage Loan Purchase Agreement.
Section
2.04 Substitution
of Mortgage Loans.
Section
2.05 Issuance
of Certificates.
Section
2.06 Representations
and Warranties Concerning the Depositor.
ARTICLE
III ADMINISTRATION
AND SERVICING OF MORTGAGE LOANS
Section
3.01 Master
Servicer.
Section
3.02 REMIC-Related
Covenants.
Section
3.03 Monitoring
of Servicers.
Section
3.04 Fidelity
Bond.
Section
3.05 Power
to
Act; Procedures.
Section
3.06 Due-on-Sale
Clauses; Assumption Agreements.
Section
3.07 Release
of Mortgage Files.
Section
3.08 Documents,
Records and Funds in Possession of Master Servicer To Be Held for
Trustee.
Section
3.09 Standard
Hazard Insurance and Flood Insurance Policies.
Section
3.10 Presentment
of Claims and Collection of Proceeds.
Section
3.11 Maintenance
of the Primary Mortgage Insurance Policies.
Section
3.12 Trustee
to Retain Possession of Certain Insurance Policies and Documents.
Section
3.13 Realization
Upon Defaulted Mortgage Loans.
Section
3.14 Compensation
for the Master Servicer.
Section
3.15 REO
Property.
Section
3.16 Annual
Officer’s Certificate as to Compliance.
Section
3.17 Annual
Independent Accountant’s Servicing Report.
Section
3.18 Reports
Filed with Securities and Exchange Commission.
Section
3.19 UCC.
Section
3.20 Optional
Purchase of Defaulted Mortgage Loans.
ARTICLE
IV ACCOUNTS
Section
4.01 Protected
Accounts.
Section
4.02 [Reserved].
Section
4.03 [Reserved].
Section
4.04 Distribution
Account.
Section
4.05 Permitted
Withdrawals and Transfers from the Distribution Account.
ARTICLE
V
CERTIFICATES
Section
5.01 Certificates.
Section
5.02 Registration
of Transfer and Exchange of Certificates.
Section
5.03 Mutilated,
Destroyed, Lost or Stolen Certificates.
Section
5.04 Persons
Deemed Owners.
Section
5.05 Transfer
Restrictions on Residual Certificates.
Section
5.06 Restrictions
on Transferability of Certificates.
Section
5.07 ERISA
Restrictions.
Section
5.08 Rule
144A
Information.
Section
5.09 Appointment
of Paying Agent and Certificate Registrar.
ARTICLE
VI PAYMENTS
TO CERTIFICATEHOLDERS
Section
6.01 Distributions
on the Certificates.
Section
6.02 Allocation
of Losses.
Section
6.03 Payments.
Section
6.04 Statements
to Certificateholders.
Section
6.05 Monthly
Advances.
Section
6.06 Compensating
Interest Payments.
ARTICLE
VII THE
MASTER SERVICER
Section
7.01 Liabilities
of the Master Servicer.
Section
7.02 Merger
or
Consolidation of the Master Servicer.
Section
7.03 Indemnification
of the Trustee, the Master Servicer and the Securities
Administrator.
Section
7.04 Limitations
on Liability of the Master Servicer and Others.
Section
7.05 Master
Servicer Not to Resign.
Section
7.06 Successor
Master Servicer.
Section
7.07 Sale
and
Assignment of Master Servicing.
ARTICLE
VIII DEFAULT
Section
8.01 Events
of
Default.
Section
8.02 Trustee
to Act; Appointment of Successor.
Section
8.03 Notification
to Certificateholders.
Section
8.04 Waiver
of
Defaults.
Section
8.05 List
of
Certificateholders.
ARTICLE
IX CONCERNING
THE TRUSTEE AND THE SECURITIES ADMINISTRATOR
Section
9.01 Duties
of
Trustee.
Section
9.02 Certain
Matters Affecting the Trustee and the Securities Administrator.
Section
9.03 Trustee
and Securities Administrator Not Liable for Certificates or Mortgage
Loans.
Section
9.04 Trustee
and Securities Administrator May Own Certificates.
Section
9.05 Trustee’s
and Securities Administrator’s Fees and Expenses.
Section
9.06 Eligibility
Requirements for Trustee, Paying Agent and Securities
Administrator.
Section
9.07 Insurance.
Section
9.08 Resignation
and Removal of the Trustee and Securities Administrator.
Section
9.09 Successor
Trustee, Successor Paying Agent and Successor Securities
Administrator.
Section
9.10 Merger
or
Consolidation of Trustee, Paying Agent or Securities Administrator.
Section
9.11 Appointment
of Co-Trustee or Separate Trustee.
Section
9.12 Federal
Information Returns and Reports to Certificateholders; REMIC
Administration.
ARTICLE
X
TERMINATION
Section
10.01 Termination
Upon Repurchase by the Depositor or its Designee or Liquidation of the Mortgage
Loans.
Section
10.02 Additional
Termination Requirements.
ARTICLE
XI [RESERVED]
ARTICLE
XII MISCELLANEOUS
PROVISIONS
Section
12.01 Intent
of
Parties.
Section
12.02 Amendment.
Section
12.03 Recordation
of Agreement.
Section
12.04 Limitation
on Rights of Certificateholders.
Section
12.05 Acts
of
Certificateholders.
Section
12.06 Governing
Law.
Section
12.07 Notices.
Section
12.08 Severability
of Provisions.
Section
12.09 Successors
and Assigns.
Section
12.10 Article
and Section Headings.
Section
12.11 Counterparts.
Section
12.12 Notice
to
Rating Agencies.
EXHIBITS
|
Exhibit
A-1
|
-
|
Form
of Class A Certificates and Class X Certificates
|
|
Exhibit
A-2
|
-
|
Form
of Class B Certificates
|
|
Exhibit
A-3
|
-
|
Form
of Class R Certificates
|
|
Exhibit
B
|
-
|
Mortgage
Loan Schedule
|
|
Exhibit
C
|
-
|
[Reserved]
|
|
Exhibit
D
|
-
|
Request
for Release of Documents
|
|
Exhibit
E
|
-
|
Form
of Affidavit pursuant to Section
860E(e)(4)
|
|
Exhibit
F-1
|
-
|
Form
of Investment Letter
|
|
Exhibit
F-2
|
-
|
Form
of Rule 144A and Related Matters
Certificate
|
|
Exhibit
G
|
-
|
Form
of Custodial Agreement
|
|
Exhibit
H-1 to H-4
|
-
|
Servicing
Agreements
|
|
Exhibit
I
|
-
|
Assignment
Agreements
|
|
Exhibit
J
|
-
|
Mortgage
Loan Purchase Agreement
|
|
Exhibit
K
|
-
|
[Reserved]
|
|
Exhibit
L
|
-
|
[Reserved]
|
|
Exhibit
M
|
Servicing
Criteria to Be Addressed in Assessment of
Compliance
|
|
Exhibit
N
|
Form
10-D, Form 8-K and Form 10-K Reporting
Responsibility
|
|
Exhibit
O
|
Additional
Disclosure Notification
|
Pooling
and Servicing Agreement dated as of May 1, 2006, among Structured Asset Mortgage
Investments II Inc., a Delaware corporation, as depositor (the “Depositor”),
U.S. Bank National Association, a national banking association, as trustee
(the
“Trustee”), 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 EMC Mortgage Corporation, as seller (in such
capacity, the “Seller”).
PRELIMINARY
STATEMENT
On
or
prior to the Closing Date, the Depositor acquired the Mortgage Loans from the
Seller. On the Closing Date, the Depositor will sell the Mortgage Loans and
certain other property to the Trust Fund and receive in consideration therefor
Certificates evidencing the entire beneficial ownership interest in the Trust
Fund.
The
Trustee on behalf of the Trust shall make an election for the assets
constituting REMIC I to be treated for federal income tax purposes as a REMIC.
On the Startup Day, the REMIC I Regular Interests will be designated the
“regular interests” in such REMIC, and the Class R-I Certificates will be
designated the sole class of “residual interests” in such REMIC.
The
Trustee on behalf of the Trust shall make an election for the assets
constituting REMIC II to be treated for federal income tax purposes as a REMIC.
On the Startup Day, the REMIC II Regular Interests will be designated the
“regular interests” in such REMIC, and the Class R-II Certificates will be
designated the sole class of “residual interests” in such REMIC.
The
Trustee on behalf of the Trust shall make an election for the assets
constituting REMIC III to be treated for federal income tax purposes as a REMIC.
On the Startup Day, the Regular Certificates will be designated the “regular
interests” in such REMIC, and the Class R-III Certificates will be designated
the sole class of “residual interests” in such REMIC.
The
Mortgage Loans will have an Outstanding Principal Balance as of the Cut-off
Date, after deducting all Scheduled Principal due on or before the Cut-off
Date,
of $1,186,926,935.75. The initial principal amount of the Certificates will
not
exceed such Outstanding Principal Balance. The Group I Mortgage Loans will
have
an Outstanding Principal Balance as of the Cut-off Date, after deducting all
Scheduled Principal due on or before the Cut-off Date, of $57,194,722.80. The
Group II Mortgage Loans will have an Outstanding Principal Balance as of the
Cut-off Date, after deducting all Scheduled Principal due on or before the
Cut-off Date, of $611,499,746.08. The Group III Mortgage Loans will have an
Outstanding Principal Balance as of the Cut-off Date, after deducting all
Scheduled Principal due on or before the Cut-off Date, of $216,658,543.71.
The
Group IV Mortgage Loans will have an Outstanding Principal Balance as of the
Cut-off Date, after deducting all Scheduled Principal due on or before the
Cut-off Date, of $301,573,923.16.
In
consideration of the mutual agreements herein contained, the Depositor, the
Master Servicer, the Securities Administrator, the Seller and the Trustee agree
as follows:
ARTICLE
I
DEFINITIONS
Whenever
used in this Agreement, the following words and phrases, unless otherwise
expressly provided or unless the context otherwise requires, shall have the
meanings specified in this Article.
Accepted
Master Servicing Practices:
With
respect to any Mortgage Loan, those customary mortgage servicing practices
of
prudent mortgage 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 a
Servicer).
Account:
The
Distribution Account and the Protected Account as the context may
require.
Accrued
Certificate Interest:
For any
Certificate, other than the Class R Certificates, for any Distribution Date,
the
interest accrued during the related Interest Accrual Period at the applicable
Pass-Through Rate on the Current Principal Amount, or in the case of the
Interest Only Certificates, the Notional Amount, of such Certificate immediately
prior to such Distribution Date, on the basis of a 360-day year consisting
of
twelve 30-day months, less (i) in the case of a Senior Certificate, such
Certificate’s share of any Net Interest Shortfall from the related Mortgage
Loans and, after the Cross-Over Date, the interest portion of any Realized
Losses on the related Mortgage Loans allocated thereto in accordance with
Section 6.02(g) and (ii) in the case of a Subordinate Certificate, such
Certificate’s share of any Net Interest Shortfall from the related Mortgage
Loans and the interest portion of any Realized Losses on the related Mortgage
Loans allocated thereto in accordance with Section 6.02(g).
Additional
Disclosure:
As
defined in Section 3.18.
Additional
Form 10-D Disclosure:
As
defined in Section 3.18.
Additional
Form 10-K Disclosure:
As
defined in Section 3.18.
Affiliate:
As to
any Person, any other Person controlling, controlled by or under common control
with such Person. “Control” means the power to direct the management and
policies of a Person, directly or indirectly, whether through ownership of
voting securities, by contract or otherwise. “Controlled” and “Controlling” have
meanings correlative to the foregoing. The Trustee may conclusively presume
that
a Person is not an Affiliate of another Person unless a Responsible Officer
of
the Trustee has actual knowledge to the contrary.
Aggregate
Expense Rate:
With
respect to any Mortgage Loan, the sum of the Servicing Fee Rate and the
Lender-Paid PMI Rate (if applicable).
Agreement:
This
Pooling and Servicing Agreement and all amendments hereof and supplements
hereto.
Allocable
Share:
With
respect to each Class of Subordinate Certificates:
(a) as
to any
Distribution Date and amounts distributable pursuant to clauses (i) and (iv)
of
the definition of Subordinate Optimal Principal Amount, the fraction, expressed
as a percentage, the numerator of which is the Current Principal Amount of
such
Class and the denominator of which is the aggregate Current Principal Amount
of
all Classes of the Subordinate Certificates; and
(b) as
to any
Distribution Date and amounts distributable pursuant to clauses (ii), (iii)
and
(v) of the definition of Subordinate Optimal Principal Amount, and as to each
Class of Subordinate Certificates (other than the Class of Subordinate
Certificates having the lowest numerical designation as to which the Class
Prepayment Distribution Trigger shall not be applicable) for which (x) the
Class
Prepayment Distribution Trigger has been satisfied on such Distribution Date,
the fraction, expressed as a percentage, the numerator of which is the Current
Principal Amount of such Class and the denominator of which is the aggregate
Current Principal Amount of all such Classes of Subordinate Certificates and
(y)
the Class Prepayment Distribution Trigger has not been satisfied on such
Distribution Date, 0%; provided that if on a Distribution Date, the Current
Principal Amount of any Class of Subordinate Certificates for which the Class
Prepayment Distribution Trigger was satisfied on such Distribution Date is
reduced to zero, any amounts distributed pursuant to this clause (b), to the
extent of such Class’s remaining Allocable Share, shall be distributed to the
remaining Classes of Subordinate Certificates which satisfy the Class Prepayment
Distribution Trigger and to the Class of Subordinate Certificates having the
lowest numerical Class designation in reduction of their respective Current
Principal Amounts in the order of their numerical Class
designations.
Annual
Statement of Compliance:
As
defined in Section 3.16.
Applicable
Credit Rating:
For any
long-term deposit or security, a credit rating of AAA in the case of each of
S&P and Fitch. For any short-term deposit or security, a rating of A-l+ in
the case of S&P or F-1+ in the case of Fitch.
Applicable
State Law:
For
purposes of Section 9.12(d), the Applicable State Law shall be (a) the law
of
the State of New York and (b) such other state law whose applicability shall
have been brought to the attention of the Securities Administrator and the
Trustee by either (i) an Opinion of Counsel reasonably acceptable to the
Securities Administrator and the Trustee delivered to it by the Master Servicer
or the Depositor, or (ii) written notice from the appropriate taxing authority
as to the applicability of such state law.
Appraised
Value:
For any
Mortgaged Property related to a Mortgage Loan, the amount set forth as the
appraised value of such Mortgaged Property in an appraisal made for the mortgage
originator in connection with its origination of the related Mortgage
Loan.
Assignment
Agreements:
The
agreements attached hereto as Exhibit I, whereby the Servicing Agreements were
assigned to the Trustee for the benefit of the Certificateholders.
Assessment
of Compliance:
As
defined in Section 3.17.
Assumed
Final Distribution Date:
July
25, 2036, or if such day is not a Business Day, the next succeeding Business
Day.
Attesting
Party:
As
defined in Section 3.17.
Attestation
Report:
As
defined in Section 3.17.
Available
Funds:
With
respect to any Distribution Date, the sum of the Group I, Group II, Group III
and Group IV Available Funds for such Distribution Date.
Average
Loss Severity Percentage:
With
respect to any Distribution Date and each Loan Group, the percentage equivalent
of a fraction, the numerator of which is the sum of the Loss Severity
Percentages for each Mortgage Loan in such Loan Group which had a Realized
Loss
and the denominator of which is the number of Mortgage Loans in the related
Loan
Group which had Realized Losses.
Bank
of America:
Bank of
America, National Association.
Bank
of America Servicing Agreement:
The
Amended and Restated Flow Mortgage Loan Sale and Servicing Agreement, dated
as
of April 1 2005, by and between Bank of America and EMC Mortgage Corporation,
as
modified by the Regulation AB Compliance Addendum to the Amended and Restated
Flow Mortgage Loan Sale and Servicing Agreement dated as of December 21,
2005.
Bankruptcy
Code:
The
United States Bankruptcy Code, as amended as codified in 11 U.S.C.
§§101-1330.
Bankruptcy
Loss:
With
respect to any Mortgage Loan, any Deficient Valuation or Debt Service Reduction
related to such Mortgage Loan as reported by the applicable Servicer to the
Master Servicer.
Book-Entry
Certificates:
Initially, all Classes of Certificates other than the Private Certificates
and
the Residual Certificates.
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, any Servicer or the
Securities Administrator is located are authorized or obligated by law or
executive order to be closed.
Certificate:
Any
mortgage pass-through certificate evidencing a beneficial ownership interest
in
the Trust Fund signed and countersigned by the Certificate Registrar in
substantially the forms annexed hereto as Exhibits X-0, X-0 and A-3 with the
blanks therein appropriately completed.
Certificate
Group:
The
Group I Senior Certificates, Group II Senior Certificates, Group III Senior
Certificates and Group IV Senior Certificates, as applicable.
Certificate
Owner:
Any
Person who is the beneficial owner of a Certificate registered in the name
of
the Depository or its nominee.
Certificate
Register:
The
register maintained pursuant to Section 5.02.
Certificate
Registrar:
The
Securities Administrator or any successor certificate registrar appointed
hereunder.
Certificateholder:
A
Holder of a Certificate.
Class:
With
respect to the Certificates, X-X-0, X-X-0, XX-X-0, XX-X-0, XX-X, XXX-X-0,
III-A-2, III-A-3, III-X, IV-A-1, IV-A-2, R-I, R-II, R-III, X-0, X-0, X-0, X-0,
X-0 and B-6.
Class
Prepayment Distribution Trigger:
For a
Class of Subordinate Certificates for any Distribution Date, the Class
Prepayment Distribution Trigger is satisfied if the fraction (expressed as
a
percentage), the numerator of which is the aggregate Current Principal Amount
of
such Class and each Class of Subordinate Certificates subordinate thereto,
if
any, and the denominator of which is the Scheduled Principal Balance of all
of
the Mortgage Loans as of the related Due Date, equals or exceeds such percentage
calculated as of the Closing Date.
Class
R Certificates:
The
Class R-I, Class R-II and Class R-III Certificates.
Class
R-I Deposit:
The $50
deposit into the Distribution Account by the Depositor on the Closing Date
to
pay the Class R-I Certificates in accordance with Section 6.01(a) on the
Distribution Date occurring in June 2006.
Class
R-II Deposit:
The $50
deposit into the Distribution Account by the Depositor on the Closing Date
to
pay the Class R-II Certificates in accordance with Section 6.01(a) on the
Distribution Date occurring in June 2006.
Class
R-III Deposit:
The $50
deposit into the Distribution Account by the Depositor on the Closing Date
to
pay the Class R-III Certificates in accordance with Section 6.01(a) on the
Distribution Date occurring in June 2006.
Closing
Date:
May 31,
2006.
Code:
The
Internal Revenue Code of 1986, as amended.
Compensating
Interest Payment:
As
defined in Section 6.06.
Countrywide:
Countrywide Home Loans Servicing LP, or its successor in interest.
Countrywide
Servicing Agreement:
The
Seller’s Warranties and Servicing Agreement, dated as of September 1, 2002, as
amended by Amendment No. 1, dated January 1, 2003, Amendment No.2, dated
September 1, 2004 and Amendment Reg AB to the Master Mortgage Loan Purchase
and
Servicing Agreement, dated as of January 1, 2006, by and between the EMC
Mortgage Corporation and Countrywide Home Loans, Inc.
Corresponding
Certificates:
With
respect to each REMIC II Regular Interest, the Class with the same
designation.
Corporate
Trust Office:
The
office of the Trustee at which at any particular time its corporate trust
business is administered, which office, at the date of the execution of this
Agreement, is located at U.S. Bank Corporate Trust Services, Xxx Xxxxxxx Xxxxxx,
0xx
Xxxxx,
Xxxxxx, Xxxxxxxxxxxxx 00000, Attention: Corporate Trust Services/BSARM Series
2006-2. With respect to the Certificate Registrar and the presentment of
Certificates for registration of transfer, exchange or final payment, Xxxxx
Fargo Bank, National Association, Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx,
Xxxxxxxxxxx, Xxxxxxxxx 00000, Attention: Corporate Trust/ BSARM Series 2006-2,
and for all other purposes, X.X. Xxx 00, Xxxxxxxx, Xxxxxxxx 00000 (or for
overnight deliveries, 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx 00000),
Attention: Corporate Trust/ BSARM Series 2006-2.
Cross-Over
Date:
The
first Distribution Date on which the aggregate Current Principal Amount of
the
Subordinate Certificates has been reduced to zero (giving effect to all
distributions on such Distribution Date).
Current
Principal Amount:
With
respect to any Certificate as of any Distribution Date, the initial principal
amount of such Certificate plus any Subsequent Recoveries added to the Current
Principal Amount of such Certificate pursuant to Section 6.02(h), and reduced
by
(i) all amounts distributed on previous Distribution Dates on such Certificate
with respect to principal, (ii) the principal portion of all Realized Losses
allocated prior to such Distribution Date to such Certificate, taking account
of
the Loss Allocation Limitation and (iii) in the case of a Subordinate
Certificate, such Certificate’s pro rata share, if any, of the applicable
Subordinate Certificate Writedown Amount for previous Distribution Dates. With
respect to any Class of Certificates, the Current Principal Amount thereof
will
equal the sum of the Current Principal Amounts of all Certificates in such
Class. Notwithstanding the foregoing, solely for purposes of giving consents,
directions, waivers, approvals, requests and notices, the Class R-I, Class
R-II
and Class R-III Certificates after the Distribution Date on which they each
receive the distribution of the last dollar of their respective original
principal amount shall be deemed to have Current Principal Amounts equal to
their respective Current Principal Amounts on the day immediately preceding
such
Distribution Date.
Custodial
Agreement:
An
agreement, dated as of the Closing Date among the Depositor, the Master
Servicer, the Trustee and the Custodian in substantially the form of Exhibit
G
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:
May 1,
2006.
Cut-off
Date Balance:
$1,186,926,935.75.
Debt
Service Reduction:
Any
reduction of the Scheduled Payments which a Mortgagor is obligated to pay with
respect to a Mortgage Loan as a result of any proceeding under the Bankruptcy
Code or any other similar state law or other proceeding.
Deficient
Valuation:
With
respect to any Mortgage Loan, a valuation of the Mortgaged Property by a court
of competent jurisdiction in an amount less than the then outstanding
indebtedness under the Mortgage Loan, which valuation results from a proceeding
initiated under the Bankruptcy Code or any other similar state law or other
proceeding.
Delinquent:
A
Mortgage Loan is “delinquent” if any payment due thereon is not made pursuant to
the terms of such Mortgage Loan by the close of business on the day such
payment
is scheduled to be due. A Mortgage Loan is “30 days delinquent” if such payment
has not been received by the close of business on the last day of the month
in
which such payment was due. For example, a Mortgage Loan with a payment due
on
December 1 that remained unpaid as of the close of business on December 31
would
then be considered to be 30 to 59 days delinquent. Similarly for “60 days
delinquent,” “90 days delinquent” and so on.
The
determination as to whether a Mortgage Loan falls into these categories is
made
as of the close of business on the last Business Day of each month. This
method of determining delinquencies is also referred to as the MBA
method.
Depositor:
Structured Asset Mortgage Investments II Inc., a Delaware corporation, or its
successors in interest.
Depository:
The
Depository Trust Company, the nominee of which is Cede & Co., or any
successor thereto.
Depository
Agreement:
The
meaning specified in Subsection 5.01(a) hereof.
Depository
Participant:
A
broker, dealer, bank or other financial institution or other Person for whom
from time to time the Depository effects book-entry transfers and pledges of
securities deposited with the Depository.
Designated
Depository Institution:
A
depository institution (commercial bank, federal savings bank, mutual savings
bank or savings and loan association) or trust company (which may include the
Trustee), the deposits of which are fully insured by the FDIC to the extent
provided by law.
Determination
Date:
With
respect to each Mortgage Loan, the Determination Date as defined in the related
Servicing Agreement.
Disqualified
Organization:
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 or
any
successor thereto, a majority of its board of directors is not selected by
such
governmental unit), (ii) any 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 or (v) any other Person so designated by the Trustee and the
Certificate Registrar based upon an Opinion of Counsel that the holding of
an
ownership interest in a Residual Certificate by such Person may cause any REMIC
contained in the Trust or any Person having an ownership interest in the
Residual Certificate (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 Residual 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
Account:
The
trust account or accounts created and maintained pursuant to Section 4.04,
which
shall be denominated “Xxxxx Fargo Bank, National Association, as Paying Agent,
for the benefit of the registered holders of Structured Asset Mortgage
Investments II Inc., Bear Xxxxxxx ARM Trust, Mortgage Pass-Through Certificates,
Series 2006-2 - Distribution Account.” The Distribution Account shall be an
Eligible Account.
Distribution
Date:
The
25th day of any month, beginning in the month immediately following the month
of
the Closing Date, or, if such 25th day is not a Business Day, the Business
Day
immediately following.
DTC
Custodian:
Xxxxx
Fargo Bank, N.A., or its successors in interest as custodian for the
Depository.
Due
Date:
With
respect to each Mortgage Loan, the date in each month on which its Scheduled
Payment is due if such due date is the first day of a month and otherwise is
deemed to be the first day of the following month or such other date specified
in the related Servicing Agreement.
Due
Period:
With
respect to any Distribution Date and each Mortgage Loan, the period commencing
on the second day of the month preceding the month in which the Distribution
Date occurs and ending at the close of business on the first day of the month
in
which the Distribution Date occurs.
XXXXX:
As
defined in Section 3.18.
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-2 or better
by
S&P and P-1 by Xxxxx’x 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 (i)) delivered to the Trustee 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
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 Distribution 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 with 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 the
Rating Agencies that use of any such account as the Distribution Account will
not have an adverse effect on the then-current ratings assigned to the Classes
of Certificates then rated by the Rating Agencies). Eligible Accounts may bear
interest.
EMC:
EMC
Mortgage Corporation, or its successor in interest.
ERISA:
The
Employee Retirement Income Security Act of 1974, as amended.
Event
of Default:
An
event of default described in Section 8.01.
Excess
Liquidation Proceeds:
To the
extent that such amount is not required by law to be paid to the related
Mortgagor, the amount, if any, by which Liquidation Proceeds with respect to
a
Liquidated Mortgage Loan exceed the sum of (i) the Outstanding Principal Balance
of such Mortgage Loan and accrued but unpaid interest at the related Mortgage
Interest Rate through the last day of the month in which the related Liquidation
Date occurs, plus (ii) related Liquidation Expenses.
Exchange
Act:
Securities Exchange Act of 1934, as amended.
Exchange
Act Reports:
Any
reports required to be filed pursuant to Section 3.18 of this
Agreement.
Xxxxxx
Xxx:
Federal
National Mortgage Association or any successor thereto.
FDIC:
Federal
Deposit Insurance Corporation or any successor thereto.
Final
Certification:
The
certification substantially in the form of Exhibit Three to the Custodial
Agreement.
Fiscal
Quarter:
December 1 to February 29 (or the last day in such month), March 1 to May 31,
June 1 to August 31, or September 1 to November 30, as applicable.
Fitch:
Fitch,
Inc.
Fractional
Undivided Interest:
With
respect to any Class of Certificates, the fractional undivided interest
evidenced by any Certificate of such Class the numerator of which is the Current
Principal Amount of such Certificate and the denominator of which is the Current
Principal Amount of such Class. With respect to the Certificates in the
aggregate, the fractional undivided interest evidenced by (i) each Class of
Residual Certificates will be deemed to equal 0.25% multiplied by the percentage
interest of such Residual Certificate and (ii) a Certificate of any other Class
will be deemed to equal 99.25% multiplied by a fraction, the numerator of which
is the Current Principal Amount of such Certificate and the denominator of
which
is the aggregate Current Principal Amount of all the Certificates.
Xxxxxxx
Mac:
Xxxxxxx
Mac, formerly the Federal Home Loan Mortgage Corporation, or any successor
thereto.
Global
Certificate:
Any
Private Certificate registered in the name of the Depository or its nominee,
beneficial interests in which are reflected on the books of the Depository
or on
the books of a Person maintaining an account with such Depository (directly
or
as an indirect participant in accordance with the rules of such
depository).
GMAC
Mortgage:
GMAC
Mortgage Corporation, or its successor in interest.
GMAC
Mortgage Servicing Agreement:
The
Seller’s Warranties and Servicing Agreement, dated as of May 1, 2001, as amended
by Amendment No. 1 on October 1, 2001 and Amendment No. 2 on July 31, 2002
between the Seller and GMAC Mortgage, attached hereto as H-1, as modified by
the
related Assignment Agreement.
Gross
Margin:
As to
each Mortgage Loan, the fixed percentage set forth in the related Mortgage
Note
and indicated on the Mortgage Loan Schedule which percentage is added to the
related Index on each Interest Adjustment Date to determine (subject to
rounding, the minimum and maximum Mortgage Interest Rate and the Periodic Rate
Cap) the Mortgage Interest Rate until the next Interest Adjustment
Date.
Group
I Available Funds, Group II Available Funds, Group III Available Funds and
Group
IV Available Funds:
With
respect to any Distribution Date, an amount equal to the aggregate of the
following amounts with respect to the Mortgage Loans in the related Loan Group:
(a) all previously undistributed payments on account of principal (including
the
principal portion of Scheduled Payments, Principal Prepayments and the principal
portion of Net Liquidation Proceeds) 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 Monthly Advances and Compensating Interest
Payments 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 and Liquidation Proceeds 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 Monthly
Advances;
(v) amounts
representing Monthly Advances determined to be Nonrecoverable
Advances;
(vi) any
investment earnings on amounts on deposit in the Distribution Account and
amounts permitted to be withdrawn from the Distribution Account pursuant to
this
Agreement;
(vii) amounts
needed to pay the Servicing Fees or to reimburse any 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, such Servicer or the Master Servicer;
(viii) any
fees
payable under any lender-paid primary mortgage insurance policy;
and
(ix) any
expenses or other amounts reimbursable to the Trustee, the Securities
Administrator and the Custodian pursuant to Section 7.04(c) or Section
9.05.
Group
I Mortgage Loans:
The
Mortgage Loans identified as such on the Mortgage Loan Schedule.
Group
I Senior Certificates:
The
Class I-A-1 Certificates and Class I-A-2 Certificates.
Group
I Senior Optimal Principal Amount, Group II Senior Optimal Principal Amount,
Group III Senior Optimal Principal Amount and Group IV Senior Optimal Principal
Amount:
With
respect to each Distribution Date, an amount equal to the sum, without
duplication, of the following (but in no event greater than the aggregate
Current Principal Amount of the Group I, Group II, Group III or Group IV Senior
Certificates, as applicable, immediately prior to such Distribution
Date):
(i) the
applicable Senior Percentage of the principal portion of all Scheduled Payments
due on each Outstanding Mortgage Loan in the related Loan Group on the related
Due Date as specified in the amortization schedule at the time applicable
thereto (after adjustments for previous Principal Prepayments but before any
adjustment to such amortization schedule by reason of any bankruptcy or similar
proceeding or any moratorium or similar waiver or grace period);
(ii) the
applicable Senior Prepayment Percentage of the Scheduled Principal Balance
of
each Mortgage Loan in the related Loan Group which was the subject of a
Principal Prepayment in full received by the Servicers during the related
Prepayment Period;
(iii) the
applicable Senior Prepayment Percentage of all Principal Prepayments in part
received by the Servicers during the related Prepayment Period with respect
to
each Mortgage Loan in the related Loan Group;
(iv) the
lesser of (a) the applicable Senior Prepayment Percentage of the sum of (A)
all
Net Liquidation Proceeds allocable to principal received in respect of each
Mortgage Loan in the related Loan Group which became a Liquidated Mortgage
Loan
during the related Prepayment Period (other than Mortgage Loans described in
the
immediately following clause (B)) and all Subsequent Recoveries received in
respect of each Liquidated Mortgage Loan in the related Loan Group during the
related Due Period and (B) the Scheduled Principal Balance of each such Mortgage
Loan in the related Loan Group purchased by an insurer from the Trustee during
the related Prepayment Period pursuant to the related Primary Mortgage Insurance
Policy, if any, or otherwise; and (b) the applicable Senior Percentage of the
sum of (A) the Scheduled Principal Balance of each Mortgage Loan in the related
Loan Group which became a Liquidated Mortgage Loan during the related Prepayment
Period (other than the Mortgage Loans described in the immediately following
clause (B)) and (B) the Scheduled Principal Balance of each such Mortgage Loan
in the related Loan Group that was purchased by an insurer from the Trust during
the related Prepayment Period pursuant to the related Primary Mortgage Insurance
Policy, if any or otherwise; and
(v) the
applicable Senior Prepayment Percentage of the sum of (a) the Scheduled
Principal Balance of each Mortgage Loan in the related Loan Group which was
repurchased by the Seller in connection with such Distribution Date and (b)
the
excess, if any, of the Scheduled Principal Balance of each Mortgage Loan in
the
related Loan Group that has been replaced by the Seller with a Substitute
Mortgage Loan pursuant to the Mortgage Loan Purchase Agreement in connection
with such Distribution Date over the Scheduled Principal Balance of each such
Substitute Mortgage Loan.
Group
I Senior Percentage:
Initially, 95.50%. On any Distribution Date, the lesser of (i) 100% and (ii)
the
percentage (carried to six places rounded up) obtained by dividing the aggregate
Current Principal Amount of the Group I Senior Certificates immediately
preceding such Distribution Date by the aggregate Scheduled Principal Balance
of
the Group I Mortgage Loans as of the beginning of the related Due
Period.
Group
I Senior Prepayment Percentage:
On any
Distribution Date occurring during the periods set forth below, as
follows:
|
Period
(dates inclusive)
|
Group
I Senior Prepayment Percentage
|
|
|
June
25, 2006 - May
25, 2013
|
100%
|
|
|
June
25, 2013 - May 25, 2014
|
Group
I Senior Percentage plus 70% of the Group I Subordinate
Percentage
|
|
|
June
25, 2014 - May 25, 2015
|
Group
I Senior Percentage plus 60% of the Group I Subordinate
Percentage
|
|
|
June
25, 2015 - May 25, 2016
|
Group
I Senior Percentage plus 40% of the Group I Subordinate
Percentage
|
|
|
June
25, 2016 - May 25, 2017
|
Group
I Senior Percentage plus 20% of the Group I Subordinate
Percentage
|
|
|
June
25, 2017 and thereafter
|
Group
I Senior Percentage
|
In
addition, no reduction of the Group I Senior Prepayment Percentage shall occur
on any Distribution Date unless, as of the last day of the month preceding
such
Distribution Date, (A) the aggregate Scheduled Principal Balance of the Mortgage
Loans delinquent 60 days or more (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), averaged over the last
six
months, as a percentage of the sum of the aggregate Current Principal Amount
of
the Subordinate Certificates does not exceed 50%; and (B) cumulative Realized
Losses on the Mortgage Loans do not exceed (a) 30% of
the
Original
Subordinate Principal Balance if such Distribution Date occurs between and
including June 2013 and May 2014, (b) 35% of the Original Subordinate Principal
Balance if such Distribution Date occurs between and including June 2014 and
May
2015, (c) 40% of the Original Subordinate Principal Balance if such Distribution
Date occurs between and including June 2015 and May 2016, (d) 45% of the
Original Subordinate Principal Balance if such Distribution Date occurs between
and including June 2016 and May 2017, and (e) 50% of the Original Subordinate
Principal Balance if such Distribution Date occurs during or after June
2017.
In
addition, if on any Distribution Date the current weighted average of the
Subordinate Percentages is equal to or greater than two times the initial
weighted average of the Subordinate Percentages, and (a) the aggregate Scheduled
Principal Balance of the Mortgage Loans delinquent 60 days or more (including
for this purpose any such Mortgage Loans in foreclosure and bankruptcy and
such
Mortgage Loans with respect to which the related Mortgaged Property has been
acquired by the Trust), averaged over the last six months, as a percentage
of
the aggregate Current Principal Amount of the Subordinate Certificates does
not
exceed 50% and (b)(i) on or prior to the Distribution Date in May 2009
cumulative Realized Losses on the Mortgage Loans as of the end of the related
Prepayment Period do not exceed 20% of the Original Subordinate Principal
Balance and (ii) after the Distribution Date in May 2009 cumulative Realized
Losses on the Mortgage Loans as of the end of the related Prepayment Period
do
not exceed 30% of the Original Subordinate Principal Balance, then, the Group
I
Senior Prepayment Percentage for such Distribution Date will equal the Group
I
Senior Percentage; provided, however, if on such Distribution Date the current
weighted average of the Subordinate Percentages is equal to or greater than
two
times the initial weighted average of the Subordinate Percentages on or prior
to
the Distribution Date occurring in May 2009 and the above delinquency and loss
tests are met, then the Group I Senior Prepayment Percentage for such
Distribution Date will equal the Group I Senior Percentage plus 50% of the
Group
I Subordinate Percentage.
Notwithstanding
the foregoing, if on any Distribution Date, the percentage, the numerator of
which is the aggregate Current Principal Amount of the Senior Certificates
immediately preceding such Distribution Date, and the denominator of which
is
the Scheduled Principal Balance of the Mortgage Loans as of the beginning of
the
related Due Period, exceeds such percentage as of the Cut-off Date, then the
Group I Senior Prepayment Percentage for such Distribution Date will equal
100%.
On the Distribution Date on which the Current Principal Amounts of the Group
I
Senior Certificates are reduced to zero, the Group I Senior Prepayment
Percentage shall be the minimum percentage sufficient to effect such reduction
and thereafter shall be zero.
Group
I Subordinate Percentage:
On any
Distribution Date, 100% minus the Group I Senior Percentage.
Group
I Subordinate Prepayment Percentage:
With
respect to the Group I Mortgage Loans, on any Distribution Date, 100% minus
the
Group I Senior Prepayment Percentage, except that on any Distribution Date
after
the Current Principal Amounts of the Group I Senior Certificates have each
been
reduced to zero, if (a) the weighted average of the Subordinate Percentages
on
such Distribution Date equals or exceeds two times the initial weighted average
of the Subordinate Percentages and (b) the aggregate Scheduled Principal Balance
of the Mortgage Loans delinquent 60 days or more (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), averaged over the
last six months, as a percentage of the sum of the aggregate Current Principal
Amount of the Subordinate Certificates does not exceed 100%, the Group I
Subordinate Prepayment Percentage will equal 100%. If the test set forth in
the
preceding sentence is not satisfied on any Distribution Date after the Current
Principal Amount of the Group I Senior Certificates has each been reduced to
zero, then the Group I Subordinate Prepayment Percentage will equal zero for
such Distribution Date.
Group
II Mortgage Loans:
The
Mortgage Loans identified as such on the Mortgage Loan Schedule.
Group
II Senior Certificates:
The
Class II-A-1, Class II-A-2 and Class II-X Certificates.
Group
II Senior Percentage:
Initially, 95.50%. On any Distribution Date, the lesser of (i) 100% and (ii)
the
percentage (carried to six places rounded up) obtained by dividing the aggregate
Current Principal Amount of the Group II Senior Certificates immediately
preceding such Distribution Date by the aggregate Scheduled Principal Balance
of
the Group II Mortgage Loans as of the beginning of the related Due
Period.
Group
II Senior Prepayment Percentage:
On any
Distribution Date occurring during the periods set forth below, as
follows:
|
Period
(dates inclusive)
|
Group
II Senior Prepayment Percentage
|
|
|
June
25, 2006 - May 25, 2013
|
100%
|
|
|
June
25, 2013 - May 25, 2014
|
Group
II Senior Percentage plus 70% of the Group II Subordinate
Percentage
|
|
|
June
25, 2014 - May 25, 2015
|
Group
II Senior Percentage plus 60% of the Group II Subordinate
Percentage
|
|
|
June
25, 2015 - May 25, 2016
|
Group
II Senior Percentage plus 40% of the Group II Subordinate
Percentage
|
|
|
June
25, 2016 - May 25, 2017
|
Group
II Senior Percentage plus 20% of the Group II Subordinate
Percentage
|
|
|
June
25, 2017 and thereafter
|
Group
II Senior Percentage
|
In
addition, no reduction of the Group II Senior Prepayment Percentage shall occur
on any Distribution Date unless, as of the last day of the month preceding
such
Distribution Date, (A) the aggregate Scheduled Principal Balance of the Mortgage
Loans delinquent 60 days or more (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), averaged over the last
six
months, as a percentage of the sum of the aggregate Current Principal Amount
of
the Subordinate Certificates does not exceed 50%; and (B) cumulative Realized
Losses on the Mortgage Loans do not exceed (a) 30% of the Original Subordinate
Principal Balance if such Distribution Date occurs between and including June
2013 and May 2014, (b) 35% of the Original Subordinate Principal Balance if
such
Distribution Date occurs between and including June 2014 and May 2015, (c)
40%
of the Original Subordinate Principal Balance if such Distribution Date occurs
between and including June 2015 and May 2016, (d) 45% of the Original
Subordinate Principal Balance if such Distribution Date occurs between and
including June 2016 and May 2017, and (e) 50% of the Original Subordinate
Principal Balance if such Distribution Date occurs during or after June
2017.
In
addition, if on any Distribution Date the current weighted average of the
Subordinate Percentages is equal to or greater than two times the initial
weighted average of the Subordinate Percentages, and (a) the aggregate Scheduled
Principal Balance of the Mortgage Loans delinquent 60 days or more (including
for this purpose any such Mortgage Loans in foreclosure and bankruptcy and
such
Mortgage Loans with respect to which the related Mortgaged Property has been
acquired by the Trust), averaged over the last six months, as a percentage
of
the aggregate Current Principal Amount of the Subordinate Certificates does
not
exceed 50% and (b)(i) on or prior to the Distribution Date in May 2009
cumulative Realized Losses on the Mortgage Loans as of the end of the related
Prepayment Period do not exceed 20% of the Original Subordinate Principal
Balance and (ii) after the Distribution Date in May 2009 cumulative Realized
Losses on the Mortgage Loans as of the end of the related Prepayment Period
do
not exceed 30% of the Original Subordinate Principal Balance, then, the Group
II
Senior Prepayment Percentage for such Distribution Date will equal the Group
II
Senior Percentage; provided, however, if on such Distribution Date the current
weighted average of the Subordinate Percentages is equal to or greater than
two
times the initial weighted average of the Subordinate Percentages on or prior
to
the Distribution Date occurring in May 2009 and the above delinquency and loss
tests are met, then the Group II Senior Prepayment Percentage for such
Distribution Date will equal the Group II Senior Percentage plus 50% of the
Group II Subordinate Percentage.
Notwithstanding
the foregoing, if on any Distribution Date, the percentage, the numerator of
which is the aggregate Current Principal Amount of the Senior Certificates
immediately preceding such Distribution Date, and the denominator of which
is
the Scheduled Principal Balance of the Mortgage Loans as of the beginning of
the
related Due Period, exceeds such percentage as of the Cut-off Date, then the
Group II Senior Prepayment Percentage for such Distribution Date will equal
100%. On the Distribution Date on which the Current Principal Amounts of the
Group II Senior Certificates are reduced to zero, the Group II Senior Prepayment
Percentage shall be the minimum percentage sufficient to effect such reduction
and thereafter shall be zero.
Group
II Subordinate Percentage:
On any
Distribution Date, 100% minus the Group II Senior Percentage.
Group
II Subordinate Prepayment Percentage:
With
respect to the Group II Mortgage Loans, on any Distribution Date, 100% minus
the
Group II Senior Prepayment Percentage, except that on any Distribution Date
after the Current Principal Amounts of the Group II Senior Certificates have
each been reduced to zero, if (a) the weighted average of the Subordinate
Percentages on such Distribution Date equals or exceeds two times the initial
weighted average of the Subordinate Percentages and (b) the aggregate Scheduled
Principal Balance of the Mortgage Loans delinquent 60 days or more (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),
averaged over the last six months, as a percentage of the sum of the aggregate
Current Principal Amount of the Subordinate Certificates does not exceed 100%,
the Group II Subordinate Prepayment Percentage will equal 100%. If the test
set
forth in the preceding sentence is not satisfied on any Distribution Date after
the Current Principal Amount of the Group II Senior Certificates has each been
reduced to zero, then the Group II Subordinate Prepayment Percentage will equal
zero for such Distribution Date.
Group
III Mortgage Loans:
The
Mortgage Loans identified as such on the Mortgage Loan Schedule.
Group
III Senior Certificates:
The
Class III-A-1, Class III-A-2, Class III-A-3 and Class III-X
Certificates.
Group
III Senior Percentage:
Initially, 95.50%. On any Distribution Date, the lesser of (i) 100% and (ii)
the
percentage (carried to six places rounded up) obtained by dividing the aggregate
Current Principal Amount of the Group III Senior Certificates immediately
preceding such Distribution Date by the aggregate Scheduled Principal Balance
of
the Group III Mortgage Loans as of the beginning of the related Due
Period.
Group
III Senior Prepayment Percentage:
On any
Distribution Date occurring during the periods set forth below, as
follows:
|
Period
(dates inclusive)
|
Group
III Senior Prepayment Percentage
|
|
|
June
25, 2006 - May 25, 2013
|
100%
|
|
|
June
25, 2013 - May 25, 2014
|
Group
III Senior Percentage plus 70% of the Group III Subordinate
Percentage
|
|
|
June
25, 2014 - May 25, 2015
|
Group
III Senior Percentage plus 60% of the Group III Subordinate
Percentage
|
|
|
June
25, 2015 - May 25, 2016
|
Group
III Senior Percentage plus 40% of the Group III Subordinate
Percentage
|
|
|
June
25, 2016 - May 25, 2017
|
Group
III Senior Percentage plus 20% of the Group III Subordinate
Percentage
|
|
|
June
25, 2017 and thereafter
|
Group
III Senior Percentage
|
In
addition, no reduction of the Group III Senior Prepayment Percentage shall
occur
on any Distribution Date unless, as of the last day of the month preceding
such
Distribution Date, (A) the aggregate Scheduled Principal Balance of the Mortgage
Loans delinquent 60 days or more (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), averaged over the last
six
months, as a percentage of the sum of the aggregate Current Principal Amount
of
the Subordinate Certificates does not exceed 50%; and (B) cumulative Realized
Losses on the Mortgage Loans do not exceed (a) 30% of the Original Subordinate
Principal Balance if such Distribution Date occurs between and including June
2013 and May 2014, (b) 35% of the Original Subordinate Principal Balance if
such
Distribution Date occurs between and including June 2014 and May 2015, (c)
40%
of the Original Subordinate Principal Balance if such Distribution Date occurs
between and including June 2015 and May 2016, (d) 45% of the Original
Subordinate Principal Balance if such Distribution Date occurs between and
including June 2016 and May 2017, and (e) 50% of the Original Subordinate
Principal Balance if such Distribution Date occurs during or after June
2017.
In
addition, if on any Distribution Date the current weighted average of the
Subordinate Percentages is equal to or greater than two times the initial
weighted average of the Subordinate Percentages, and (a) the aggregate Scheduled
Principal Balance of the Mortgage Loans delinquent 60 days or more (including
for this purpose any such Mortgage Loans in foreclosure and bankruptcy and
such
Mortgage Loans with respect to which the related Mortgaged Property has been
acquired by the Trust), averaged over the last six months, as a percentage
of
the aggregate Current Principal Amount of the Subordinate Certificates does
not
exceed 50% and (b)(i) on or prior to the Distribution Date in May
2009
cumulative
Realized Losses on the Mortgage Loans as of the end of the related Prepayment
Period do not exceed 20% of the Original Subordinate Principal Balance and
(ii)
after the Distribution Date in May 2009 cumulative Realized Losses on the
Mortgage Loans as of the end of the related Prepayment Period do not exceed
30%
of the Original Subordinate Principal Balance, then, the Group III Senior
Prepayment Percentage for such Distribution Date will equal the Group III Senior
Percentage; provided, however, if on such Distribution Date the current weighted
average of the Subordinate Percentages is equal to or greater than two times
the
initial weighted average of the Subordinate Percentages on or prior to the
Distribution Date occurring in May 2009 and the above delinquency and loss
tests
are met, then the Group III Senior Prepayment Percentage for such Distribution
Date will equal the Group III Senior Percentage plus 50% of the Group III
Subordinate Percentage.
Notwithstanding
the foregoing, if on any Distribution Date, the percentage, the numerator of
which is the aggregate Current Principal Amount of the Senior Certificates
immediately preceding such Distribution Date, and the denominator of which
is
the Scheduled Principal Balance of the Mortgage Loans as of the beginning of
the
related Due Period, exceeds such percentage as of the Cut-off Date, then the
Group III Senior Prepayment Percentage for such Distribution Date will equal
100%. On the Distribution Date on which the Current Principal Amounts of the
Group III Senior Certificates are reduced to zero, the Group III Senior
Prepayment Percentage shall be the minimum percentage sufficient to effect
such
reduction and thereafter shall be zero.
Group
III Subordinate Percentage:
On any
Distribution Date, 100% minus the Group III Senior Percentage.
Group
III Subordinate Prepayment Percentage:
With
respect to the Group III Mortgage Loans, on any Distribution Date, 100% minus
the Group III Senior Prepayment Percentage, except that on any Distribution
Date
after the Current Principal Amounts of the Group III Senior Certificates have
each been reduced to zero, if (a) the weighted average of the Subordinate
Percentages on such Distribution Date equals or exceeds two times the initial
weighted average of the Subordinate Percentages and (b) the aggregate Scheduled
Principal Balance of the Mortgage Loans delinquent 60 days or more (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),
averaged over the last six months, as a percentage of the sum of the aggregate
Current Principal Amount of the Subordinate Certificates does not exceed 100%,
the Group III Subordinate Prepayment Percentage will equal 100%. If the test
set
forth in the preceding sentence is not satisfied on any Distribution Date after
the Current Principal Amount of the Group III Senior Certificates has each
been
reduced to zero, then the Group III Subordinate Prepayment Percentage will
equal
zero for such Distribution Date.
Group
IV Mortgage Loans:
The
Mortgage Loans identified as such on the Mortgage Loan Schedule.
Group
IV Senior Certificates:
The
Class IV-A-1 Certificates and Class IV-A-2 Certificates.
Group
IV Senior Percentage:
Initially, 95.50%. On any Distribution Date, the lesser of (i) 100% and (ii)
the
percentage (carried to six places rounded up) obtained by dividing the aggregate
Current Principal Amount of the Group IV Senior Certificates immediately
preceding such Distribution Date by the aggregate Scheduled Principal Balance
of
the Group IV Mortgage Loans as of the beginning of the related Due
Period.
Group
IV Senior Prepayment Percentage:
On any
Distribution Date occurring during the periods set forth below, as
follows:
|
Period
(dates inclusive)
|
Group
III Senior Prepayment Percentage
|
|
|
June
25, 2006 - May 25, 2013
|
100%
|
|
|
June
25, 2013 - May 25, 2014
|
Group
IV Senior Percentage plus 70% of the Group IV Subordinate
Percentage
|
|
|
June
25, 2014 - May 25, 2015
|
Group
IV Senior Percentage plus 60% of the Group IV Subordinate
Percentage
|
|
|
June
25, 2015 - May 25, 2016
|
Group
IV Senior Percentage plus 40% of the Group IV Subordinate
Percentage
|
|
|
June
25, 2016 - May 25, 2017
|
Group
IV Senior Percentage plus 20% of the Group IV Subordinate
Percentage
|
|
|
June
25, 2017 and thereafter
|
Group
IV Senior Percentage
|
In
addition, no reduction of the Group IV Senior Prepayment Percentage shall occur
on any Distribution Date unless, as of the last day of the month preceding
such
Distribution Date, (A) the aggregate Scheduled Principal Balance of the Mortgage
Loans delinquent 60 days or more (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), averaged over the last
six
months, as a percentage of the sum of the aggregate Current Principal Amount
of
the Subordinate Certificates does not exceed 50%; and (B) cumulative Realized
Losses on the Mortgage Loans do not exceed (a) 30% of the Original Subordinate
Principal Balance if such Distribution Date occurs between and including June
2013 and May 2014, (b) 35% of the Original Subordinate Principal Balance if
such
Distribution Date occurs between and including June 2014 and May 2015, (c)
40%
of the Original Subordinate Principal Balance if such Distribution Date occurs
between and including June 2015 and May 2016, (d) 45% of the Original
Subordinate Principal Balance if such Distribution Date occurs between and
including June 2016 and May 2017, and (e) 50% of the Original Subordinate
Principal Balance if such Distribution Date occurs during or after June
2017.
In
addition, if on any Distribution Date the current weighted average of the
Subordinate Percentages is equal to or greater than two times the initial
weighted average of the Subordinate Percentages, and (a) the aggregate Scheduled
Principal Balance of the Mortgage Loans delinquent 60 days or more (including
for this purpose any such Mortgage Loans in foreclosure and bankruptcy and
such
Mortgage Loans with respect to which the related Mortgaged Property has been
acquired by the Trust), averaged over the last six months, as a percentage
of
the aggregate Current Principal Amount of the Subordinate Certificates does
not
exceed 50% and (b)(i) on or prior to the Distribution Date in May 2009
cumulative Realized Losses on the Mortgage Loans as of the end of the related
Prepayment Period do not exceed 20% of the Original Subordinate Principal
Balance and (ii) after the Distribution Date in May 2009 cumulative Realized
Losses on the Mortgage Loans as of the end of the related Prepayment Period
do
not exceed 30% of the Original Subordinate Principal Balance, then, the Group
IV
Senior Prepayment Percentage for such Distribution Date will equal the Group
IV
Senior Percentage; provided, however, if on such Distribution Date the current
weighted average of the Subordinate Percentages is equal to or greater than
two
times the initial weighted average of the Subordinate Percentages on or prior
to
the Distribution Date occurring in May 2009 and the above delinquency and loss
tests are met, then the Group IV Senior Prepayment Percentage for such
Distribution Date will equal the Group IV Senior Percentage plus 50% of the
Group IV Subordinate Percentage.
Notwithstanding
the foregoing, if on any Distribution Date, the percentage, the numerator of
which is the aggregate Current Principal Amount of the Senior Certificates
immediately preceding such Distribution Date, and the denominator of which
is
the Scheduled Principal Balance of the Mortgage Loans as of the beginning of
the
related Due Period, exceeds such percentage as of the Cut-off Date, then the
Group IV Senior Prepayment Percentage for such Distribution Date will equal
100%. On the Distribution Date on which the Current Principal Amounts of the
Group IV Senior Certificates are reduced to zero, the Group IV Senior Prepayment
Percentage shall be the minimum percentage sufficient to effect such reduction
and thereafter shall be zero.
Group
IV Subordinate Percentage:
On any
Distribution Date, 100% minus the Group IV Senior Percentage.
Group
IV Subordinate Prepayment Percentage:
With
respect to the Group IV Mortgage Loans, on any Distribution Date, 100% minus
the
Group IV Senior Prepayment Percentage, except that on any Distribution Date
after the Current Principal Amounts of the Group IV Senior Certificates have
each been reduced to zero, if (a) the weighted average of the Subordinate
Percentages on such Distribution Date equals or exceeds two times the initial
weighted average of the Subordinate Percentages and (b) the aggregate Scheduled
Principal Balance of the Mortgage Loans delinquent 60 days or more (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),
averaged over the last six months, as a percentage of the sum of the aggregate
Current Principal Amount of the Subordinate Certificates does not exceed 100%,
the Group IV Subordinate Prepayment Percentage will equal 100%. If the test
set
forth in the preceding sentence is not satisfied on any Distribution Date after
the Current Principal Amount of the Group IV Senior Certificates has each been
reduced to zero, then the Group IV Subordinate Prepayment Percentage will equal
zero for such Distribution Date.
Holder:
The
Person in whose name a Certificate is registered in the Certificate Register,
except that, subject to Subsections 12.02(b) and 12.05(e), solely for the
purpose of giving any consent pursuant to this Agreement, any Certificate
registered in the name of the Depositor, the Master Servicer or the Trustee
or
any Affiliate thereof shall be deemed not to be outstanding and the Fractional
Undivided Interest evidenced thereby shall not be taken into account in
determining whether the requisite percentage of Fractional Undivided Interests
necessary to effect any such consent has been obtained.
Indemnified
Persons:
The
Trustee, the Master Servicer, the Custodian and the Securities Administrator
and
their officers, directors, agents and employees and, with respect to the
Trustee, any separate co-trustee and its officers, directors, agents and
employees.
Independent:
When
used with respect to any specified Person, this term means that such Person
(a)
is in fact independent of the Depositor or the Master Servicer and of any
Affiliate of the Depositor or the Master Servicer, (b) does not have any direct
financial interest or any material indirect financial interest in the Depositor
or the Master Servicer or any Affiliate of the Depositor or the Master Servicer
and (c) is not connected with the Depositor or the Master Servicer or any
Affiliate as an officer, employee, promoter, underwriter, trustee, partner,
director or person performing similar functions.
Index:
The
index, if any, specified in a Mortgage Note by reference to which the related
Mortgage Interest Rate will be adjusted from time to time.
Individual
Certificate:
Any
Private Certificate registered in the name of the Holder other than the
Depository or its nominee.
Initial
Certification:
The
certification substantially in the form of Exhibit One to the Custodial
Agreement.
Institutional
Accredited Investor:
Any
Person meeting the requirements of Rule 501(a)(l), (2), (3) or (7) of Regulation
D under the Securities Act or any entity all of the equity holders in which
come
within such paragraphs.
Insurance
Policy:
With
respect to any Mortgage Loan, any standard hazard insurance policy, flood
insurance policy or title insurance policy.
Insurance
Proceeds:
Amounts
paid by the insurer under any Insurance Policy covering any Mortgage Loan or
Mortgaged Property other than amounts required to be paid over to the Mortgagor
pursuant to law or the related Mortgage Note or Security Instrument and other
than amounts used to repair or restore the Mortgaged Property or to reimburse
insured expenses.
Interest
Accrual Period:
With
respect to each Distribution Date, for each Class of Certificates, the calendar
month preceding the month in which such Distribution Date occurs.
Interest
Adjustment Date:
With
respect to a Mortgage Loan, the date, if any, specified in the related Mortgage
Note on which the Mortgage Interest Rate is subject to adjustment.
Interest
Only Certificates:
The
Class II-X Certificates and Class III-X Certificates.
Interest
Shortfall:
With
respect to any Distribution Date and each Mortgage Loan that during the related
Prepayment Period was the subject of a Principal Prepayment or constitutes
a
Relief Act Mortgage Loan, an amount determined as follows:
(a) Partial
principal prepayments received during the relevant Prepayment Period: The
difference between (i) one month’s interest at the applicable Net Rate on the
amount of such prepayment and (ii) the amount of interest of such prepayment
(adjusted to the applicable Net Rate) received at the time of such
prepayment;
(b) Principal
prepayments in full received during the relevant Prepayment Period: The
difference between (i) one month’s interest at the applicable Net Rate on the
Scheduled Principal Balance of such Mortgage Loan immediately prior to such
prepayment and (ii) the amount of interest of such prepayment (adjusted to
the
applicable Net Rate) received at the time of such prepayment; and
(c) Relief
Act Mortgage Loans: As to any Relief Act Mortgage Loan, the excess of (i) 30
days’ interest (or, in the case of a principal prepayment in full, interest to
the date of prepayment) on the Scheduled Principal Balance thereof (or, in
the
case of a principal prepayment in part, on the amount so prepaid) at the related
Net Rate over (ii) 30 days’ interest (or, in the case of a principal prepayment
in full, interest to the date of prepayment) on such Scheduled Principal Balance
(or, in the case of a Principal Prepayment in part, on the amount so prepaid)
at
the Net Rate required to be paid by the Mortgagor as limited by application
of
the Relief Act.
Interim
Certification:
The
certification substantially in the form of Exhibit Two to the Custodial
Agreement.
Investment
Letter:
The
letter to be furnished by each Institutional Accredited Investor which purchases
any of the Private Certificates in connection with such purchase, substantially
in the form set forth as Exhibit F-1 hereto.
Lender-Paid
PMI Rate:
With
respect to each Mortgage Loan covered by a lender-paid primary mortgage
insurance policy, the amount payable to the related insurer, as stated in the
Mortgage Loan Schedule.
Liquidated
Mortgage Loan:
Any
defaulted Mortgage Loan as to which the related Servicer or the Master Servicer
has determined that all amounts it expects to recover from or on account of
such
Mortgage Loan have been recovered.
Liquidation
Date:
With
respect to any Liquidated Mortgage Loan, the date on which the Master Servicer
or the related Servicer has certified that such Mortgage Loan has become a
Liquidated Mortgage Loan.
Liquidation
Expenses:
With
respect to a Mortgage Loan in liquidation, unreimbursed expenses paid or
incurred by or for the account of the Master Servicer or the related Servicers
in connection with the liquidation of such Mortgage Loan and the related
Mortgage Property, such expenses including (a) property protection expenses,
(b)
property sales expenses, (c) foreclosure and sale costs, including court costs
and reasonable attorneys’ fees, and (d) similar expenses reasonably paid or
incurred in connection with liquidation.
Liquidation
Proceeds:
Cash
received in connection with the liquidation of a defaulted Mortgage Loan,
whether through trustee’s sale, foreclosure sale, Insurance Proceeds,
condemnation proceeds or otherwise and any Subsequent Recoveries.
Loan
Group:
Loan
Group I, Loan Group II, Loan Group III or Loan Group IV, as
applicable.
Loan
Group I:
The
group of Mortgage Loans designated as belonging to Loan Group I on the Mortgage
Loan Schedule.
Loan
Group II:
The
group of Mortgage Loans designated as belonging to Loan Group II on the Mortgage
Loan Schedule.
Loan
Group III:
The
group of Mortgage Loans designated as belonging to Loan Group III on the
Mortgage Loan Schedule.
Loan
Group IV:
The
group of Mortgage Loans designated as belonging to Loan Group IV on the Mortgage
Loan Schedule.
Loan-to-Value
Ratio:
With
respect to any Mortgage Loan, the fraction, expressed as a percentage, the
numerator of which is the original principal balance of the related Mortgage
Loan and the denominator of which is the Original Value of the related Mortgaged
Property.
Loss
Allocation Limitation:
The
meaning specified in Section 6.02(c) hereof.
Loss
Severity Percentage:
With
respect to any Distribution Date, the percentage equivalent of a fraction,
the
numerator of which is the amount of Realized Losses incurred on a Mortgage
Loan
and the denominator of which is the Scheduled Principal Balance of such Mortgage
Loan immediately prior to the liquidation of such Mortgage Loan.
Lost
Notes:
The
original Mortgage Notes that have been lost, as indicated on the Mortgage Loan
Schedule.
Master
Servicer:
As of
the Closing Date, Xxxxx Fargo Bank, N.A. and, thereafter, its respective
successors in interest who meet the qualifications of the Servicing Agreements
and this Agreement.
Master
Servicing Compensation:
The
meaning specified in Section 3.14.
Material
Defect:
The
meaning specified in Section 2.02(a).
Maximum
Lifetime Mortgage Rate:
The
maximum level to which a Mortgage Interest Rate can adjust in accordance with
its terms, regardless of changes in the applicable Index.
MERS:
Mortgage Electronic Registration Systems, Inc., a corporation organized and
existing under the laws of the State of Delaware, or any successor
thereto.
MERS®
System:
The
system of recording transfers of Mortgages electronically maintained by
MERS.
MIN:
The
Mortgage Identification Number for Mortgage Loans registered with MERS on the
MERS® System.
Minimum
Lifetime Mortgage Rate:
The
minimum level to which a Mortgage Interest Rate can adjust in accordance with
its terms, regardless of changes in the applicable Index.
MOM
Loan:
With
respect to any Mortgage Loan, MERS acting as the mortgagee of such Mortgage
Loan, solely as nominee for the originator of such Mortgage Loan and its
successors and assigns, at the origination thereof, or as nominee for any
subsequent assignee of the originator pursuant to an assignment of mortgage
to
MERS.
Monthly
Advance:
An
advance of principal or interest required to be made by the applicable Servicer
pursuant to the related Servicing Agreement or the Master Servicer pursuant
to
Section 6.05.
Moody’s:
Xxxxx’x
Investors Service, Inc. or its successor in interest.
Mortgage
File:
The
mortgage documents listed in Section 2.01(b) pertaining to a particular Mortgage
Loan and any additional documents required to be added to the Mortgage File
pursuant to this Agreement.
Mortgage
Interest Rate:
The
annual rate at which interest accrues from time to time on any Mortgage Loan
pursuant to the related Mortgage Note, which rate is initially equal to the
“Mortgage Interest Rate” set forth with respect thereto on the Mortgage Loan
Schedule.
Mortgage
Loan:
A
mortgage loan transferred and assigned to the Trustee pursuant to Section 2.01
or Section 2.04 and held as a part of the Trust Fund, as identified in the
Mortgage Loan Schedule (which shall include, without limitation, each related
Mortgage Note, Mortgage and Mortgage File and all rights appertaining thereto),
including a mortgage loan the property securing which has become an REO
Property.
Mortgage
Loan Purchase Agreement:
The
Mortgage Loan Purchase Agreement dated as of May 31, 2006, between EMC Mortgage
Corporation, as seller, and Structured Asset Mortgage Investments II Inc.,
as
purchaser, and all amendments thereof and supplements thereto, attached as
Exhibit J.
Mortgage
Loan Schedule:
The
list of Mortgage Loans (as from time to time amended to reflect the repurchase
or substitute of Mortgage Loans pursuant to the provisions of this Agreement)
transferred to the Trustee as part of the Trust Fund and from time to time
subject to this Agreement, the initial Mortgage Loan Schedule being attached
hereto as Exhibit B setting forth the following information with respect to
each
Mortgage Loan:
(a) the
city,
state and zip code of the Mortgaged Property;
(b) the
property type;
(c) the
Mortgage Interest Rate;
(d) the
Servicing Fee Rate;
(e) the
Master Servicer's Fee Rate;
(f) the
LPMI
Fee, if applicable;
(g) [reserved];
(h) the
Net
Rate;
(i) the
maturity date;
(j) the
stated original term to maturity;
(k) the
stated remaining term to maturity;
(l) the
original Principal Balance;
(m) the
first
payment date;
(n) the
principal and interest payment in effect as of the Cut-off Date;
(o) the
unpaid Principal Balance as of the Cut-off Date;
(p) the
Loan-to-Value Ratio at origination;
(q) the
insurer of any Primary Mortgage Insurance Policy;
(r) the
MIN
with respect to each MOM Loan;
(s) the
Gross
Margin, if applicable;
(t) the
next
Adjustment Date, if applicable;
(u) the
Maximum Mortgage Rate, if applicable;
(v) the
Minimum Mortgage Rate, if applicable;
(w) the
Periodic Rate Cap, if applicable;
(x) the
Loan
Group, if applicable;
(y) a
code
indicating whether the Mortgage Loan is negatively amortizing;
(z) which
Mortgage Loans adjust after an initial fixed-rate period of one, two, three,
five, seven or ten years or any other period;
(aa) the
Prepayment Charge, if any;
(bb) lien
position (e.g., first lien or second lien);
(cc) a
code
indicating whether the Mortgage Loan is has a balloon payment;
(dd) a
code
indicating whether the Mortgage Loan is an interest-only loan;
(ee) the
interest-only term, if applicable;
(ff) the
Mortgage Loan Seller; and
(gg) the
original amortization term.
Such
schedule also shall set forth for all of the Mortgage Loans, the total number
of
Mortgage Loans, the total of each of the amounts described under (n) and (j)
above, the weighted average by principal balance as of the Cut-off Date of
each
of the rates described under (c) through (h) above, and the weighted average
remaining term to maturity by unpaid principal balance as of the Cut-off
Date.
Mortgage
Note:
The
originally executed note or other evidence of the indebtedness of a Mortgagor
under the related Mortgage Loan.
Mortgaged
Property:
Land
and improvements securing the indebtedness of a Mortgagor under the related
Mortgage Loan or, in the case of REO Property, such REO Property.
Mortgagor:
The
obligor on a Mortgage Note.
Net
Interest Shortfall:
With
respect to any Distribution Date, the Interest Shortfall, if any, for such
Distribution Date net of Compensating Interest Payments made with respect to
such Distribution Date.
Net
Liquidation Proceeds:
As to
any Liquidated Mortgage Loan, Liquidation Proceeds net of (i) Liquidation
Expenses which are payable therefrom to the related Servicer or the Master
Servicer in accordance with the related Servicing Agreement or this Agreement
and (ii) unreimbursed advances by the related Servicer or the Master Servicer
and Monthly Advances.
Net
Rate:
With
respect to each Mortgage Loan, the Mortgage Interest Rate in effect from time
to
time less the Aggregate Expense Rate (expressed as a per annum
rate).
Non-Offered
Subordinate Certificates:
The
Class B-4, Class B-5 and Class B-6 Certificates.
Nonrecoverable
Advance:
Any
advance or Monthly Advance (i) which was previously made or is proposed to
be
made by the Master Servicer, the Trustee (as successor Master Servicer) or
the
applicable Servicer and (ii) which, in the good faith judgment of the Master
Servicer, the Trustee or the applicable Servicer, will not or, in the case
of a
proposed advance or Monthly Advance, would not, be ultimately recoverable by
the
Master Servicer, the Trustee (as successor Master Servicer) or the applicable
Servicer from Liquidation Proceeds, Insurance Proceeds or future payments on
the
Mortgage Loan for which such advance or Monthly Advance was made or is proposed
to be made.
Notional
Amount:
With
respect to the Class II-X Certificates, the Notional Amount of the Class II-X
Certificates, as of any date of determination, is equal to the Current Principal
Amount of the Class II-A-1 Certificates. With respect to the Class III-X
Certificates, the Notional Amount of the Class III-X Certificates, as of any
date of determination, is equal to the Current Principal Amount of the Class
III-A-2 Certificates. Reference to the Notional Amount of the Class II-X
Certificates and Class III-X Certificates is solely for convenience in
calculation and does not represent the right to receive any distributions
allocable to principal. For federal income tax purposes, however, the Notional
Amounts of the Class II-X Certificates and Class III-X Certificates are equal
to
the Uncertificated Principal Balances of REMIC II Regular Interest II-A-1 and
REMIC II Regular Interest III-A-2, respectively.
Offered
Certificates:
The
Class I-A-1, Class I-A-2, Class II-A-1, Class II-A-2, Class II-X, Class III-A-1,
Class III-A-2, Class III-A-3, Class III-X, Class IV-A-1, Class IV-A-2, Class
R-I, Class R-II, Class R-III, Class X-x, Class B-2 and Class B-3
Certificates.
Offered
Subordinate Certificates:
The
Class X-x, Class B-2 and Class B-3 Certificates.
Officer’s
Certificate:
A
certificate signed by the Chairman of the Board, the Vice Chairman of the Board,
the President or a Vice President or Assistant Vice President or other
authorized officer of the Master Servicer or the Depositor, as applicable,
and
delivered to the Trustee, as required by this Agreement.
Opinion
of Counsel:
A
written opinion of counsel who is or are acceptable to the Trustee and who,
unless required to be Independent (an “Opinion of Independent Counsel”), may be
internal counsel for the Master Servicer or the Depositor.
Original
Subordinate Principal Balance:
The sum
of the aggregate Current Principal Amounts of each Class of Subordinate
Certificates as of the Closing Date.
Original
Value:
The
lesser of (i) the Appraised Value or (ii) the sales price of a Mortgaged
Property at the time of origination of a Mortgage Loan, except in instances
where either clauses (i) or (ii) is unavailable, the other may be used to
determine the Original Value, or if both clauses (i) and (ii) are unavailable,
Original Value may be determined from other sources reasonably acceptable to
the
Depositor.
Outstanding
Mortgage Loan:
With
respect to any Due Date, a Mortgage Loan which, prior to such Due Date, was
not
the subject of a Principal Prepayment in full, did not become a Liquidated
Mortgage Loan and was not purchased or replaced.
Outstanding
Principal Balance:
As of
the time of any determination, the principal balance of a Mortgage Loan
remaining to be paid by the Mortgagor, or, in the case of an REO Property,
the
principal balance of the related Mortgage Loan remaining to be paid by the
Mortgagor at the time such property was acquired by the Trust Fund less any
Net
Liquidation Proceeds with respect thereto to the extent applied to
principal.
Pass-Through
Rate:
As to
each Class of Certificates (other than the Class R Certificates), the REMIC
I
Regular Interests and the REMIC II Regular Interests, the rate of interest
determined as provided with respect thereto in Section 5.01(c). Any monthly
calculation of interest at a stated rate shall be based upon annual interest
at
such rate divided by twelve.
Paying
Agent:
The
Securities Administrator or any successor paying agent appointed
hereunder.
Periodic
Rate Cap:
With
respect to each Mortgage Loan, the maximum adjustment that can be made to the
Mortgage Interest Rate on each Interest Adjustment Date in accordance with
its
terms, regardless of changes in the applicable Index.
Permitted
Investments:
Any one
or more of the following obligations or securities held in the name of the
Trustee for the benefit of the Certificateholders:
(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 (including the Trustee or the
Master Servicer or its Affiliates acting in its commercial banking capacity)
and
subject to supervision and examination by federal and/or state banking
authorities, provided that the commercial paper and/or the short-term debt
rating and/or the long-term unsecured debt obligations of such depository
institution or trust company at the time of such investment or contractual
commitment providing for such investment have the Applicable Credit Rating
or
better from each Rating Agency and (b) any other demand or time deposit or
certificate of deposit that is fully insured by the Federal Deposit Insurance
Corporation;
(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 where the Trustee holds the security
therefor;
(iv) securities
bearing interest or sold at a discount issued by any corporation (including
the
Trustee or the Master Servicer or its Affiliates) incorporated under the laws
of
the United States of America or any state thereof that have the Applicable
Credit Rating or better from 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 part of the Trust to exceed 10% of the aggregate Outstanding Principal
Balances of all the Mortgage Loans and Permitted Investments held as part of
the
Trust;
(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) having the Applicable Credit
Rating or better from each Rating Agency at the time of such
investment;
(vi) a
Reinvestment Agreement issued by any bank, insurance company or other
corporation or entity;
(vii) any
other
demand, money market or time deposit, obligation, security or investment as
may
be acceptable to each Rating Agency as evidenced in writing by each Rating
Agency to the Trustee; and
(viii) interests
in any money market fund (including any such fund managed or advised by the
Trustee or Master Servicer or any affiliate thereof) which at the date of
acquisition of the interests in such fund and throughout the time such interests
are held in such fund has the highest applicable long term rating by each Rating
Agency, if so rated, or such lower rating as will not result in the downgrading
or withdrawal of the ratings then assigned to the Certificates by each Rating
Agency; 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 or if such
instrument or security is purchased at a price greater than par.
Permitted
Transferee:
Any
Person other than a Disqualified Organization or an “electing large partnership”
(as defined by Section 775 of the Code).
Person:
Any
individual, corporation, partnership, joint venture, association, limited
liability company, joint-stock company, trust, unincorporated organization
or
government or any agency or political subdivision thereof.
Physical
Certificates:
The
Residual Certificates and the Private Certificates.
Prepayment
Charge:
With
respect to any Mortgage Loan, the charges or premiums, if any, due in connection
with a full or partial prepayment of such Mortgage Loan in accordance with
the
terms thereof.
Prepayment
Period:
As to
any Distribution Date, the period set forth in the related Servicing
Agreement.
Primary
Mortgage Insurance Policy:
Any
primary mortgage guaranty insurance policy issued in connection with a Mortgage
Loan which provides compensation to a Mortgage Note holder in the event of
default by the obligor under such Mortgage Note or the related Security
Instrument, if any or any replacement policy therefor through the related
Interest Accrual Period for such Class relating to a Distribution
Date.
Principal
Prepayment:
Any
payment (whether partial or full) or other recovery of principal on a Mortgage
Loan which is received in advance of its scheduled Due Date to the extent that
it is not accompanied by an amount as to interest representing scheduled
interest due on any date or dates in any month or months subsequent to the
month
of prepayment, including Insurance Proceeds and Repurchase Proceeds, but
excluding the principal portion of Net Liquidation Proceeds.
Private
Certificates:
The
Class B-4, Class B-5 and Class B-6 Certificates.
Protected
Account:
An
account established and maintained for the benefit of Certificateholders by
each
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 required to be repurchased by the Seller pursuant
to Section 2.02 or 2.03 hereof, an amount equal to the sum of (i) 100% of the
outstanding principal balance of the Mortgage Loan as of the date of such
purchase plus (ii) accrued interest thereon at the applicable Mortgage Rate
through the first day of the month in which the Purchase Price is to be
distributed to Certificateholders, reduced by any portion of the Servicing
Fee,
Servicing Advances and Advances payable to the purchaser of the Mortgage Loan
plus and (iii) any costs and damages (if any) incurred by the Trust in
connection with any violation of such Mortgage Loan of any predatory lending
laws.
QIB:
A
Qualified Institutional Buyer as defined in Rule 144A promulgated under the
Securities Act.
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.
Rating
Agencies:
Fitch
and S&P.
Realized
Loss:
Any (i)
Bankruptcy Loss or (ii) as to any Liquidated Mortgage Loan, (x) the Outstanding
Principal Balance of such Liquidated Mortgage Loan plus accrued and unpaid
interest thereon at the Mortgage Interest Rate through the last day of the
month
of such liquidation, less (y) the related Net Liquidation Proceeds with respect
to such Mortgage Loan and the related Mortgaged Property. In addition, to the
extent the Paying Agent 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
Current Principal Amount of any Class of Certificates on any Distribution
Date.
Record
Date:
With
respect to any Distribution Date, the close of business on the last Business
Day
of the month immediately preceding the month of such Distribution
Date.
Regular
Certificates:
Any of
the Certificates other than the Residual Certificates.
Reinvestment
Agreements:
One or
more reinvestment agreements, acceptable to the Rating Agencies, from a bank,
insurance company or other corporation or entity (including the
Trustee).
Relief
Act:
The
Servicemembers Civil Relief Act, or similar state or local law.
Relief
Act Mortgage Loan:
Any
Mortgage Loan as to which the Scheduled Payment thereof has been reduced due
to
the application of the Relief Act.
REMIC:
A real
estate mortgage investment conduit, as defined in the Code.
REMIC
I:
That
group of assets contained in the Trust Fund designated as a REMIC consisting
of
(i) the Mortgage Loans, (ii) the Distribution Account, (iii) any REO Property
relating to the Mortgage Loans, (iv) the rights with respect to any related
Servicing Agreement, (v) the rights with respect to any related Assignment
Agreement and (vii) any proceeds of the foregoing.
REMIC
I Interests:
The
REMIC I Regular Interests and the Class R-I Certificates.
REMIC
I Regular Interests:
REMIC I
Regular Interests I-Sub, I-Grp, II-Sub, II-Grp, III-Sub, III-Grp, IV-Sub,
IV-Grp, R-II/R-III and ZZZ.
REMIC
I Subordinated Balance Ratio:
The
ratio among the Uncertificated Principal Balances of each of the REMIC I Regular
Interests ending with the designation “Sub,” equal to the ratio among, with
respect to each such REMIC I Regular Interest, the excess of (x) the aggregate
Scheduled Principal Balance of the Mortgage Loans in the related Loan Group
over
(y) the aggregate Current Principal Amount of the Senior Certificates in the
related Certificate Group.
REMIC
II:
That
group of assets contained in the Trust Fund designated as a REMIC consisting
of
the REMIC I Regular Interests.
REMIC
II Interests:
The
REMIC II Regular Interests and the Class R-II Certificates.
REMIC
II Regular Interests:
REMIC
II Regular Interests X-X-0, X-X-0, XX-X-0, XX-X-0, Class III-A-1, Class III-A-2,
Class III-A-3, Class IV-A-1, Class IV-A-2, R-III, X-x, X-0, X-0, X-0, X-0 and
B-6.
REMIC
III:
That
group of assets contained in the Trust Fund designated as a REMIC consisting
of
the REMIC II Regular Interests.
REMIC
Opinion:
An
Opinion of Independent Counsel, to the effect that the proposed action described
therein would not, under the REMIC Provisions, (i) cause any REMIC to fail
to
qualify as a REMIC while any regular interest in such REMIC is outstanding,
(ii)
result in a tax on prohibited transactions with respect to any REMIC or (iii)
constitute a taxable contribution to any REMIC after the Startup
Day.
REMIC
Provisions:
The
provisions of the federal income tax law relating to the REMIC, which appear
at
Sections 860A through 860G of the Code, and related provisions and regulations
promulgated thereunder, as the foregoing may be in effect from time to
time.
REO
Property:
A
Mortgaged Property acquired in the name of the Trustee, for the benefit of
Certificateholders, by foreclosure or deed-in-lieu of foreclosure in connection
with a defaulted Mortgage Loan.
Reportable
Event:
As
defined in Section 3.18.
Repurchase
Price:
With
respect to any Mortgage Loan (or any property acquired with respect thereto)
required to be repurchased by the Seller pursuant to the Mortgage Loan Purchase
Agreement or Article II of this Agreement, an amount equal to the sum of (i)(a)
100% of the Outstanding Principal Balance of such Mortgage Loan as of the date
of repurchase (or if the related Mortgaged Property was acquired with respect
thereto, 100% of the Outstanding Principal Balance at the date of the
acquisition), plus (b) accrued but unpaid interest on the Outstanding Principal
Balance at the related Mortgage Interest Rate, through and including the last
day of the month of repurchase, plus (c) any unreimbursed Monthly Advances
and
servicing advances payable to the Servicer of the Mortgage Loan or to the Master
Servicer and (ii) any costs and damages (if any) incurred by the Trust in
connection with any violation of such Mortgage Loan of any anti-predatory
lending laws.
Repurchase
Proceeds:
the
Repurchase Price in connection with any repurchase of a Mortgage Loan by the
Seller and any cash deposit in connection with the substitution of a Mortgage
Loan.
Request
for Release:
A
request for release in the form attached hereto as Exhibit D.
Required
Insurance Policy:
With
respect to any Mortgage Loan, any insurance policy which is required to be
maintained from time to time under this Agreement with respect to such Mortgage
Loan.
Residual
Certificates:
Any of
the Class R Certificates.
Responsible
Officer:
Any
officer assigned to the Corporate Trust Office (or any successor thereto),
including any Vice President, Assistant Vice President, Trust Officer, any
Assistant Secretary, any trust officer or any other officer of the Trustee
customarily performing functions similar to those performed by any of the above
designated officers and having direct responsibility for the administration
of
this Agreement, and any other officer of the Trustee to whom a matter arising
hereunder may be referred.
Rule
144A Certificate:
The
certificate to be furnished by each purchaser of a Private Certificate (which
is
also a Physical Certificate) which is a Qualified Institutional Buyer as defined
under Rule 144A promulgated under the Securities Act, substantially in the
form
set forth as Exhibit F-2 hereto.
S&P:
Standard & Poor’s, a division of The XxXxxx-Xxxx Companies, Inc., and its
successors in interest.
Scheduled
Payment:
With
respect to any Mortgage Loan and any month, the scheduled payment or payments
of
principal and interest due during such month on such Mortgage Loan which either
is payable by a Mortgagor in such month under the related Mortgage Note or,
in
the case of REO Property, would otherwise have been payable under the related
Mortgage Note.
Scheduled
Principal:
The
principal portion of any Scheduled Payment.
Scheduled
Principal Balance:
With
respect to any Mortgage Loan on any Distribution Date, (i) the unpaid principal
balance of such Mortgage Loan as of the close of business on the related Due
Date (i.e., taking account of the principal payment to be made on such Due
Date
and irrespective of any delinquency in its payment), as specified in the
amortization schedule at the time relating thereto (before any adjustment to
such amortization schedule by reason of any bankruptcy or similar proceeding
occurring after the Cut-off Date (other than a Deficient Valuation) or any
moratorium or similar waiver or grace period) and less (ii) any Principal
Prepayments (including the principal portion of Net Liquidation Proceeds)
received during or prior to the related Prepayment Period; provided that the
Scheduled Principal Balance of a Liquidated Mortgage Loan is zero.
Securities
Act:
The
Securities Act of 1933, as amended.
Securities
Administrator:
Xxxxx
Fargo Bank, N.A., or its successor in interest, or any successor securities
administrator appointed as herein provided.
Securities
Administrator Information:
As
defined in Section 3.18(c).
Securities
Legend:
“THIS
CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT
OF
1933, AS AMENDED (THE “SECURITIES ACT”), OR UNDER ANY STATE SECURITIES LAWS. THE
HOLDER HEREOF, BY PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE
MAY
BE REOFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED ONLY IN COMPLIANCE WITH
THE SECURITIES ACT AND OTHER APPLICABLE LAWS AND ONLY (1) PURSUANT TO RULE
144A
UNDER THE SECURITIES ACT (“RULE 144A”) TO A PERSON THAT THE HOLDER REASONABLY
BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A
(A
“QIB”), PURCHASING FOR ITS OWN ACCOUNT OR A QIB PURCHASING FOR THE ACCOUNT OF A
QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE REOFFER, RESALE,
PLEDGE OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, (2) PURSUANT
TO
AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT
(IF
AVAILABLE) OR (3) IN CERTIFICATED FORM TO AN “INSTITUTIONAL ACCREDITED INVESTOR”
WITHIN THE MEANING THEREOF IN RULE 501(a)(1), (2), (3) or (7) OF REGULATION
D
UNDER THE ACT OR ANY ENTITY IN WHICH ALL OF THE EQUITY OWNERS COME WITHIN SUCH
PARAGRAPHS PURCHASING NOT FOR DISTRIBUTION IN VIOLATION OF THE SECURITIES ACT,
SUBJECT TO (A) THE RECEIPT BY THE TRUSTEE AND THE CERTIFICATE REGISTRAR OF
A
LETTER SUBSTANTIALLY IN THE FORM PROVIDED IN THE AGREEMENT AND (B) THE RECEIPT
BY THE TRUSTEE AND THE CERTIFICATE REGISTRAR OF SUCH OTHER EVIDENCE ACCEPTABLE
TO THE TRUSTEE AND THE CERTIFICATE REGISTRAR THAT SUCH REOFFER, RESALE, PLEDGE
OR TRANSFER IS IN COMPLIANCE WITH THE SECURITIES ACT AND OTHER APPLICABLE LAWS
OR IN EACH CASE IN ACCORDANCE WITH ALL APPLICABLE SECURITIES LAWS OF THE UNITED
STATES AND ANY OTHER APPLICABLE JURISDICTION. THIS CERTIFICATE MAY NOT BE
ACQUIRED DIRECTLY OR INDIRECTLY BY, OR ON BEHALF OF, AN EMPLOYEE BENEFIT PLAN
OR
OTHER RETIREMENT ARRANGEMENT WHICH IS SUBJECT TO TITLE I OF THE EMPLOYEE
RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE
INTERNAL REVENUE CODE OF 1986, AS AMENDED [in the case of a Residual
Certificate:] UNLESS THE PROPOSED TRANSFEREE PROVIDES THE TRUSTEE WITH AN
OPINION OF COUNSEL ADDRESSED TO THE DEPOSITOR, TRUSTEE, MASTER SERVICER AND
SECURITIES ADMINISTRATOR AND ON WHICH THEY MAY RELY THAT IS SATISFACTORY TO
THE
TRUSTEE THAT THE PURCHASE OF CERTIFICATES ON BEHALF OF SUCH PERSON WILL NOT
RESULT IN OR CONSTITUTE A NONEXEMPT PROHIBITED TRANSACTION, IS PERMISSIBLE
UNDER
APPLICABLE LAW AND WILL NOT GIVE RISE TO ANY ADDITIONAL OBLIGATIONS ON THE
PART
OF THE DEPOSITOR, THE MASTER SERVICER, THE SECURITIES ADMINISTRATOR OR THE
TRUSTEE [in the case of the Class B-4, Class B-5 and Class B-6 Certificates:],
UNLESS THE TRANSFEREE CERTIFIES OR REPRESENTS THAT THE PROPOSED TRANSFER AND
HOLDING OF A CERTIFICATE AND THE SERVICING, MANAGEMENT AND OPERATION OF THE
TRUST AND ITS ASSETS: (I) WILL NOT RESULT IN ANY PROHIBITED TRANSACTION WHICH
IS
NOT COVERED UNDER AN INDIVIDUAL OR CLASS PROHIBITED TRANSACTION EXEMPTION,
INCLUDING, BUT NOT LIMITED TO, PROHIBITED TRANSACTION EXEMPTION (“PTE”) 84-14,
XXX 00-00, XXX 00-0, XXX 95-60 OR PTE 96-23 AND (II) WILL NOT GIVE RISE TO
ANY
ADDITIONAL OBLIGATIONS ON THE PART OF THE DEPOSITOR, THE SECURITIES
ADMINISTRATOR, THE MASTER SERVICER, ANY SERVICER OR THE TRUSTEE, WHICH WILL
BE
DEEMED REPRESENTED BY AN OWNER OF A BOOK-ENTRY CERTIFICATE OR A GLOBAL
CERTIFICATE OR UNLESS AN OPINION OF COUNSEL SPECIFIED IN SECTION 5.07 OF THE
AGREEMENT IS PROVIDED.”
Security
Agreement:
With
respect to a Cooperative Loan, the agreement creating a security interest in
favor of the originator in the related Cooperative Stock.
Security
Instrument:
A
written instrument creating a valid first lien on a Mortgaged Property securing
a Mortgage Note, which may be any applicable form of mortgage, deed of trust,
deed to secure debt or security deed, including any riders or addenda
thereto.
Seller:
EMC
Mortgage Corporation, as mortgage loan seller under the Mortgage Loan Purchase
Agreement.
Senior
Certificates:
The
Class I-A-1, Class I-A-2, Class II-A-1, Class II-A-2, Class II-X, Class III-A-1,
Class III-A-2, Class III-A-3, Class III-X, Class IV-A-1 and Class IV-A-2
Certificates.
Senior
Optimal Principal Amount:
The
Group I Senior Optimal Principal Amount, Group II Senior Optimal Principal
Amount, Group III Senior Optimal Principal Amount or Class IV Senior Optimal
Principal Amount, as applicable.
Senior
Percentage:
The
Group I Senior Percentage, Group II Senior Percentage, Group III Senior
Percentage or Group IV Senior Percentage, as applicable.
Senior
Prepayment Percentage:
The
Group I Senior Prepayment Percentage, Group II Senior Prepayment Percentage,
Group III Senior Prepayment Percentage or Group IV Senior Prepayment Percentage,
as applicable.
Servicer:
With
respect to each Mortgage Loan, Countrywide, Bank of America, GMAC Mortgage
and
Xxxxx Fargo.
Servicer
Remittance Date:
With
respect to each Mortgage Loan, the date set forth in the related Servicing
Agreement.
Servicing
Agreements:
The
Countrywide Servicing Agreement, Bank of America Servicing Agreement, the GMAC
Mortgage Servicing Agreement and the Xxxxx Fargo Servicing
Agreement.
Servicing
Criteria:
The
“servicing criteria” set forth in Item 1122(d) of Regulation AB, as such may be
amended from time to time, or those Servicing Criteria otherwise mutually agreed
to by EMC, the Master Servicer, the Trustee and the applicable Servicer in
response to evolving interpretations of Regulation AB and incorporated into
a
revised Exhibit M.
Servicing
Fee:
As to
any Mortgage Loan and Distribution Date, an amount equal to the product of
(i)
the Scheduled Principal Balance of such Mortgage Loan as of the Due Date in
the
preceding calendar month and (ii) the applicable Servicing Fee
Rate.
Servicing
Fee Rate:
As to
any Mortgage Loan, a per annum rate as set forth in the Mortgage Loan
Schedule.
Servicing
Officer:
Any
officer of the related Servicer or Master Servicer involved in or responsible
for the administration and servicing or master servicing, as applicable, of
the
Mortgage Loans as to which officer evidence, reasonably acceptable to the
Trustee, of due authorization of such officer by such Servicer or Master
Servicer, has been furnished from time to time to the Trustee.
Sponsor:
EMC
Mortgage Corporation, in its capacity as sponsor hereunder.
Startup
Day:
May 31,
2006.
Subordinate
Certificates:
The
Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6
Certificates.
Subordinate
Certificate Writedown Amount:
As to
any Distribution Date, the amount by which (a) the sum of the Current Principal
Amounts of all the Certificates (after giving effect to the distribution of
principal and the allocation of applicable Realized Losses in reduction of
the
Current Principal Amounts of the Certificates on such Distribution Date) exceeds
(b) the aggregate Scheduled Principal Balances of the Mortgage Loans on the
Due
Date related to such Distribution Date.
Subordinate
Optimal Principal Amount:
As to
any Distribution Date, an amount equal to the sum, without duplication, of
the
following for the Group I, Group II, Group III and Group IV Mortgage Loans
(but
in no event greater than the aggregate Current Principal Amount of the
Subordinate Certificates immediately prior to such Distribution
Date):
(i) the
applicable Subordinate Percentage of the principal portion of all Scheduled
Payments due on each Outstanding Mortgage Loan in the related Loan Group on
the
related Due Date as specified in the amortization schedule at the time
applicable thereto (after adjustment for previous Principal Prepayments but
before any adjustment to such amortization schedule by reason of any bankruptcy
or similar proceeding or any moratorium or similar waiver or grace
period);
(ii) the
applicable Subordinate Prepayment Percentage of the Scheduled Principal Balance
of each Mortgage Loan in the related Loan Group that was the subject of a
Principal Prepayment in full received by the Servicers during the related
Prepayment Period;
(iii) the
applicable Subordinate Prepayment Percentage of each Principal Prepayment in
part received during the related Prepayment Period with respect to each Mortgage
Loan in the related Loan Group;
(iv) the
excess, if any, of (a) all Net Liquidation Proceeds allocable to principal
received during the related Prepayment Period in respect of each Liquidated
Mortgage Loan in the related Loan Group and all Subsequent Recoveries received
in respect of each Liquidated Mortgage Loan in the related Loan Group during
the
related Due Period over (b) the sum of the amounts distributable to the related
Senior Certificateholders pursuant to clause (iv) of the related definition
of
Senior Optimal Principal Amount on such Distribution Date;
(v) the
applicable Subordinate Prepayment Percentage of the sum of (a) the Scheduled
Principal Balance of each Mortgage Loan in the related Loan Group which was
purchased with respect to such Distribution Date and (b) the difference, if
any,
between the Scheduled Principal Balance of each Mortgage Loan in the related
Loan Group that has been replaced by the Seller with a Substitute Mortgage
Loan
pursuant to the Mortgage Loan Purchase Agreement in connection with such
Distribution Date over the Scheduled Principal Balance of each such Substitute
Mortgage Loan; and
(vi) on
the
Distribution Date on which the Current Principal Amounts of the Group I Senior
Certificates, Group II Senior Certificates, Group III Senior Certificates or
Group IV Senior Certificates have all been reduced to zero, 100% of the related
Senior Optimal Principal Amount. After the aggregate Current Principal Amount
of
the Subordinate Certificates has been reduced to zero, the Subordinate Optimal
Principal Amount shall be zero.
Subordinate
Percentage:
The
Group I Subordinate Percentage, Group II Subordinate Percentage, Group III
Subordinate Percentage or Group IV Subordinate Percentage with respect to the
Group I Mortgage Loans, Group II Mortgage Loans, Group III Mortgage Loans and
Group IV Mortgage Loans, respectively.
Subordinate
Prepayment Percentage:
The
Group I Subordinate Prepayment Percentage, Group II Subordinate Prepayment
Percentage, Group III Subordinate Prepayment Percentage or Group IV Subordinate
Prepayment Percentage with respect to the Group I Mortgage Loans, Group II
Mortgage Loans, Group III Mortgage Loans and Group IV Mortgage Loans,
respectively.
Subsequent
Recoveries:
As of
any Distribution Date, amounts received by the Master Servicer during the
related Due Period or surplus amounts held by the 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 Liquidated Mortgage Loan or
disposition of an REO Property prior to the related Prepayment Period that
resulted in a Realized Loss, after the liquidation or disposition of such
Mortgage Loan.
Substitute
Mortgage Loan:
A
mortgage loan tendered to the Trustee pursuant to the related Servicing
Agreement, the Mortgage Loan Purchase Agreement or Section 2.04 of this
Agreement, as applicable, in each case, (i) which has an Outstanding Principal
Balance not greater nor materially less than the Mortgage Loan for which it
is
to be substituted; (ii) which has a Mortgage Interest Rate and Net Rate not
less
than, and not materially greater than, such Mortgage Loan; (iii) which has
a
maturity date not materially earlier or later than such Mortgage Loan and not
later than the latest maturity date of any Mortgage Loan; (iv) which is of
the
same property type and occupancy type as such Mortgage Loan; (v) which has
a
Loan-to-Value Ratio not greater than the Loan-to-Value Ratio of such Mortgage
Loan; (vi) which is current in payment of principal and interest as of the
date
of substitution; (vii) as to which the payment terms do not vary in any material
respect from the payment terms of the Mortgage Loan for which it is to be
substituted and (viii) which has a Gross Margin, Periodic Rate Cap and Maximum
Lifetime Mortgage Rate no less than those of such Mortgage Loan, has the same
Index and interval between Interest Adjustment Dates as such Mortgage Loan,
and
a Minimum Lifetime Mortgage Rate no lower than that of such Mortgage
Loan.
Tax
Administration and Tax Matters Person:
The
Securities Administrator or any successor thereto or assignee thereof shall
serve as tax administrator hereunder and as agent for the Tax Matters Person.
The Holder of each Class of Residual Certificates shall be the Tax Matters
Person for the related REMIC, as more particularly set forth in Section 9.12
hereof.
Trust
Fund or Trust:
The
corpus of the trust created by this Agreement, consisting of the Mortgage Loans
and the other assets described in Section 2.01(a).
Trustee:
U.S.
Bank National Association, or its successor in interest, or any successor
trustee appointed as herein provided.
Uncertificated
Principal Balance:
With
respect to any REMIC I Regular Interest or REMIC II Regular Interest as of
any
Distribution Date, the initial principal amount of such regular interest as
set
forth in Sections 5.01(c)(i) and (c)(ii), reduced by (i) all amounts distributed
on previous Distribution Dates on such regular interest with respect to
principal, and (ii) the principal portion of all Realized Losses allocated
prior
to such Distribution Date to such regular interest, taking account of the Loss
Allocation Limitation.
Underlying
Seller:
With
respect to each Mortgage Loan, Countrywide and Bank of America, as indicated
on
the Mortgage Loan Schedule.
Uninsured
Cause:
Any
cause of damage to a Mortgaged Property or related REO Property such that the
complete restoration of such Mortgaged Property or related REO Property is
not
fully reimbursable by the hazard insurance policies required to be maintained
pursuant the related Servicing Agreement, without regard to whether or not
such
policy is maintained.
United
States Person:
A
citizen
or resident of the United States, a corporation or partnership (including an
entity treated as a corporation or partnership for 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
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 United States Persons, or an estate whose income
is subject to United States federal income tax regardless of its source, or
a
trust if a court within the United States is able to exercise primary
supervision over the administration of the trust and one or more 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,
which have not yet been issued, 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.
Xxxxx
Fargo:
Xxxxx
Fargo Bank, National Association.
Xxxxx
Fargo Servicing Agreement:
Amended
and Restated Master Mortgage Loan Purchase Agreement, dated as of November
1,
2005, by and between EMC Mortgage Corporation and Xxxxx Fargo.
ARTICLE
II
CONVEYANCE
OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES
Section
2.01 Conveyance
of Mortgage Loans to Trustee.
(a) The
Depositor concurrently with the execution and delivery of this Agreement, sells,
transfers and assigns to the Trust without recourse all its right, title and
interest in and to (i) the Mortgage Loans identified in their respective
Mortgage Loan Schedules, including all interest and principal due with respect
to the Mortgage Loans after the Cut-off Date but excluding any payments of
principal and interest due on or prior to the Cut-off Date; (ii) such assets
as
shall from time to time be credited or are required by the terms of this
Agreement to be credited to the Distribution Account, (iii) such assets relating
to the Mortgage Loans as from time to time may be held by the Servicers in
Protected Accounts and the Paying Agent in the Distribution Account, (iv) any
REO Property, (v) the Required Insurance Policies and any amounts paid or
payable by the insurer under any Insurance Policy (to the extent the mortgagee
has a claim thereto), (vi) the Mortgage Loan Purchase Agreement to the extent
provided in Subsection 2.03(a), (vii) the rights with respect to the Servicing
Agreements as assigned to the Trustee on behalf of the Certificateholders by
the
Assignment Agreements, (viii) such assets as shall from time to time be credited
or are required by the terms of this Agreement to be credited to the
Distribution Account and (ix) any proceeds of the foregoing. Although it is
the
intent of the parties to this Agreement that the conveyance of the Depositor’s
right, title and interest in and to the Mortgage Loans and other assets in
the
Trust Fund pursuant to this Agreement shall constitute a purchase and sale
and
not a loan, in the event that such conveyance is deemed to be a loan, it is
the
intent of the parties to this Agreement that the Depositor shall be deemed
to
have granted to the Trustee a first priority perfected security interest in
all
of the Depositor’s right, title and interest in, to and under the Mortgage Loans
and other assets in the Trust Fund, and that this Agreement shall constitute
a
security agreement under applicable law.
(b) In
connection with the above transfer and assignment, the Depositor hereby delivers
to the Custodian, as agent for the Trustee, with respect to each Mortgage
Loan:
(i) the
original Mortgage Note, endorsed without recourse (A) to the order of the
Trustee, or (B) in the case of a loan registered on the MERS system, in blank,
and in each case showing an unbroken chain of endorsements from the originator
thereof to the Person endorsing it to the Trustee, or lost note affidavit
together with a copy of the related Mortgage Note;
(ii) the
original Mortgage and, if the related Mortgage Loan is a MOM Loan, noting the
presence of the MIN and language indicating that such Mortgage Loan is a MOM
Loan, which shall have been recorded (or if the original is not available,
a
copy), with evidence of such recording indicated thereon (or if clause (w)
in
the proviso below applies, shall be in recordable form);
(iii) unless
the Mortgage Loan is a MOM Loan, a certified copy of the assignment (which
may
be in the form of a blanket assignment if permitted in the jurisdiction in
which
the Mortgaged Property is located) to “U.S. Bank National Association, as
Trustee”, with evidence of recording with respect to each Mortgage Loan in the
name of the Trustee thereon (or if clause (w) in the proviso below applies
or
for Mortgage Loans with respect to which the related Mortgaged Property is
located in a state other than Maryland or an Opinion of Counsel has been
provided as set forth in this Section 2.01(b), shall be in recordable
form);
(iv) all
intervening assignments of the Security Instrument, if applicable and only
to
the extent available to the Depositor with evidence of recording
thereon;
(v) the
original or a copy of the policy or certificate of primary mortgage guaranty
insurance, to the extent available, if any;
(vi) the
original policy of title insurance or mortgagee’s certificate of title insurance
or commitment or binder for title insurance; and
(vii) originals
of all modification agreements, if applicable and available;
provided,
however,
that in
lieu of the foregoing, the Depositor may deliver to the Custodian, as agent
of
the Trustee, the following documents, under the circumstances set forth below:
(w) in lieu of the original Security Instrument, assignments to the Trustee
or
intervening assignments thereof which have been delivered, are being delivered
or will, upon receipt of recording information relating to the Security
Instrument required to be included thereon, be delivered to recording offices
for recording and have not been returned to the Depositor in time to permit
their delivery as specified above, the Depositor may deliver a true copy thereof
with a certification by the Depositor, on the face of such copy, substantially
as follows: “Certified to be a true and correct copy of the original, which has
been transmitted for recording”; (x) in lieu of the Security Instrument,
assignment to the Trustee or intervening assignments thereof, if the applicable
jurisdiction retains the originals of such documents (as evidenced by a
certification from the Depositor to such effect) the Depositor may deliver
photocopies of such documents containing an original certification by the
judicial or other governmental authority of the jurisdiction where such
documents were recorded; (y) in lieu of the Mortgage Notes relating to the
Mortgage Loans identified on Exhibit 5 to the Mortgage Loan Purchase Agreement,
the Depositor may deliver lost note affidavits from the Seller; and (z) the
Depositor shall not be required to deliver intervening assignments or Mortgage
Note endorsements between the related Underlying Seller and the Seller, between
the Seller and the Depositor, and between the Depositor and the Trustee; and
provided, further, however, that in the case of Mortgage Loans which have been
prepaid in full after the Cut-off Date and prior to the Closing Date, the
Depositor, in lieu of delivering the above documents, may deliver to the Trustee
or the Custodian, as its agent, a certification to such effect and shall deposit
all amounts paid in respect of such Mortgage Loans in the Distribution Account
on the Closing Date. The Depositor shall deliver such original documents
(including any original documents as to which certified copies had previously
been delivered) to the Trustee or the Custodian, as its agent, promptly after
they are received. The Depositor shall cause the Seller, at its expense, to
cause each assignment of the Security Instrument to the Trustee to be recorded
not later than 180 days after the Closing Date, unless (a) such recordation
is
not required by the Rating Agencies or an Opinion of Counsel addressed to the
Trustee has been provided to the Trustee (with a copy to the Custodian) which
states that recordation of such Security Instrument is not required to protect
the interests of the Certificateholders in the related Mortgage Loans or (b)
MERS is identified on the Mortgage or on a properly recorded assignment of
the
Mortgage as the mortgagee of record solely as nominee for the Seller and its
successor and assigns; provided, however, notwithstanding the foregoing, each
assignment shall be submitted for recording by the Seller in the manner
described above, at no expense to the Trust or the Trustee or the Custodian,
as
its agent, upon the earliest to occur of: (i) reasonable direction by the
Holders of Certificates evidencing Fractional Undivided Interests aggregating
not less than 25% of the Trust, (ii) the occurrence of an Event of Default,
(iii) the occurrence of a bankruptcy, insolvency or foreclosure relating to
the
Seller and (iv) the occurrence of a servicing transfer as described in Section
8.02 hereof. Notwithstanding the foregoing, if the Seller fails to pay the
cost
of recording the assignments, such expense will be paid by the Trustee and
the
Trustee shall be reimbursed for such expenses by the Trust in accordance with
Section 9.05.
Section
2.02 Acceptance
of Mortgage Loans by Trustee.
(a) The
Trustee acknowledges the sale, transfer and assignment of the Trust Fund to
it
by the Depositor and receipt of, subject to further review and the exceptions
which may be noted pursuant to the procedures described below, and declares
that
it holds, the documents (or certified copies thereof) delivered to the
Custodian, as its agent, pursuant to Section 2.01, and declares that it will
continue to hold those documents and any amendments, replacements or supplements
thereto and all other assets of the Trust Fund delivered to it as Trustee in
trust for the use and benefit of all present and future Holders of the
Certificates. On the Closing Date, with respect to the Mortgage Loans, the
Custodian shall acknowledge with respect to each Mortgage Loan by delivery
to
the Depositor and the Trustee of an Initial Certification receipt of the
Mortgage File, but without review of such Mortgage File, except to the extent
necessary to confirm that such Mortgage File contains the related Mortgage
Note
or lost note affidavit. No later than 90 days after the Closing Date (or with
respect to any Substitute Mortgage Loan, within five Business Days after the
receipt by the Trustee or Custodian thereof), the Trustee agrees, for the
benefit of the Certificateholders, to review or cause to be reviewed by the
Custodian on its behalf (under the Custodial Agreement), each Mortgage File
delivered to it and to execute and deliver, or cause to be executed and
delivered, to the Depositor and the Trustee an Interim Certification. In
conducting such review, the Trustee or Custodian will ascertain whether all
required documents have been executed and received, and based on the related
Mortgage Loan Schedule, whether those documents relate, determined on the basis
of the Mortgagor name, original principal balance and loan number, to the
Mortgage Loans it has received, as identified in the related Mortgage Loan
Schedule. In performing any such review, the Trustee or the Custodian, as its
agent, may conclusively rely on the purported due execution and genuineness
of
any such document and on the purported genuineness of any signature thereon.
If
the Trustee or the Custodian, as its agent, finds any document constituting
part
of the Mortgage File has not been executed or received, or to be unrelated,
determined on the basis of the Mortgagor name, original principal balance and
loan number, to the Mortgage Loans identified in Exhibit B, or to appear
defective on its face (a “Material Defect”), the Trustee or the Custodian, as
its agent, shall promptly notify the Seller. In accordance with the Mortgage
Loan Purchase Agreement, the Seller shall correct or cure any such defect within
ninety (90) days from the date of notice from the Trustee or the Custodian,
as
its agent, of the defect and if the Seller fails to correct or cure the defect
within such period, and such defect materially and adversely affects the
interests of the Certificateholders in the related Mortgage Loan, the Trustee
shall enforce the Seller’s obligation under the Mortgage Loan Purchase
Agreement, within 90 days from the Trustee’s or the Custodian’s notification,
provide a Substitute Mortgage Loan (if within two years of the Closing Date)
or
purchase such Mortgage Loan at the Repurchase Price; 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; provided,
however, that if such defect relates solely to the inability of the Seller
to
deliver the original Security Instrument or intervening assignments thereof,
or
a certified copy because the originals of such documents, or a certified copy
have not been returned by the applicable jurisdiction, the Seller shall not
be
required to purchase such Mortgage Loan if the Seller delivers such original
documents or certified copy promptly upon receipt, but in no event later than
360 days after the Closing Date. The foregoing repurchase obligation shall
not
apply in the event that the Seller cannot deliver such original or copy of
any
document submitted for recording to the appropriate recording office in the
applicable jurisdiction because such document has not been returned by such
office; provided that the Seller shall instead deliver a recording receipt
of
such recording office or, if such receipt is not available, a certificate
confirming that such documents have been accepted for recording, and delivery
to
the Trustee or the Custodian, as its agent, shall be effected by the Seller
within thirty days of its receipt of the original recorded
document.
(b) No
later
than 180 days after the Closing Date (or with respect to any Substitute Mortgage
Loan, within five Business Days after the receipt by the Trustee or the
Custodian thereof), the Trustee or the Custodian, as its agent, will review,
for
the benefit of the Certificateholders, the Mortgage Files delivered to it and
will execute and deliver or cause to be executed and delivered to the Depositor
and the Trustee a Final Certification. In conducting such review, the Trustee
or
the Custodian, as its agent, will ascertain whether an original of each document
required to be recorded has been returned from the recording office with
evidence of recording thereon or a certified copy has been obtained from the
recording office. If the Trustee or the Custodian, as its agent, finds a
Material Defect, the Trustee or the Custodian, as its agent, shall promptly
notify the Seller (provided, however, that with respect to those documents
described in subsections (b)(iv), (v) and (vii) of Section 2.01, the Trustee’s
and Custodian’s obligations shall extend only to the documents actually
delivered to the Custodian pursuant to such subsections). In accordance with
the
Mortgage Loan Purchase Agreement, the Seller shall correct or cure any such
defect within 90 days from the date of notice from the Trustee or the Custodian,
as its agent, of the Material Defect and if the Seller is unable to cure such
defect within such period, and if such defect materially and adversely affects
the interests of the Certificateholders in the related Mortgage Loan, the
Trustee shall enforce the Seller’s obligation under the Mortgage Loan Purchase
Agreement, within 90 days from the Trustee’s or Custodian’s notification,
provide a Substitute Mortgage Loan (if within two years of the Closing Date)
or
purchase such Mortgage Loan at the Repurchase Price, 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, repurchase or
substitution must occur within 90 days from the date such breach was discovered,
provided, however, that if such defect relates solely to the inability of the
Seller to deliver the original Security Instrument or intervening assignments
thereof, or a certified copy, because the originals of such documents or a
certified copy, have not been returned by the applicable jurisdiction, the
Seller shall not be required to purchase such Mortgage Loan, if the Seller
delivers such original documents or certified copy promptly upon receipt, but
in
no event later than 360 days after the Closing Date. The foregoing repurchase
obligation shall not apply in the event that the Seller cannot deliver such
original or copy of any document submitted for recording to the appropriate
recording office in the applicable jurisdiction because such document has not
been returned by such office; provided that the Seller shall instead deliver
a
recording receipt of such recording office or, if such receipt is not available,
a certificate confirming that such documents have been accepted for recording,
and delivery to the Trustee or the Custodian, as its agent, shall be effected
by
the Seller within thirty days of its receipt of the original recorded
document.
(c) In
the
event that a Mortgage Loan is purchased by the Seller in accordance with
Subsections 2.02(a) or (b) above, the Seller shall remit to the Master Servicer
who in turn will remit to the Securities Administrator the Repurchase Price
for
deposit in the Distribution Account and the Seller shall provide to the Master
Servicer, Securities Administrator, the Paying Agent and the Trustee written
notification detailing the components of the Repurchase Price to the Trustee,
the Paying Agent and the Master Servicer. Upon deposit of the Repurchase Price
in the Distribution Account, the Depositor shall notify the Trustee and the
Custodian, as agent of the Trustee (upon receipt of a Request for Release in
the
form of Exhibit D attached hereto with respect to such Mortgage Loan), shall
release to the Seller the related Mortgage File and the Trustee shall execute
and deliver all instruments of transfer or assignment, without recourse,
representation or warranty, furnished to it by the Seller, as are necessary
to
vest in the Seller title to and rights under the Mortgage Loan. Such purchase
shall be deemed to have occurred on the date on which the Repurchase Price
in
available funds is received by the Paying Agent. The Trustee or the Custodian,
as agent of the Trustee, shall amend the Mortgage Loan Schedule, which was
previously delivered to it by the Depositor in a form agreed to between the
Depositor and the Trustee, to reflect such repurchase and shall promptly notify
the Rating Agencies and the Master Servicer of such amendment. The obligation
of
the Seller to repurchase or substitute for any Mortgage Loan a Substitute
Mortgage Loan as to which such a defect in a constituent document exists shall
be the sole remedy respecting such defect available to the Certificateholders
or
to the Trustee on their behalf.
Section
2.03 Assignment
of Interest in the Mortgage Loan Purchase Agreement.
(a) The
Depositor hereby assigns to the Trustee, on behalf of the Certificateholders,
all of its right, title and interest in the Mortgage Loan Purchase Agreement,
including but not limited to the Depositor’s rights and obligations pursuant to
the Servicing Agreements (noting that the Seller has retained the right in
the
event of breach of the representations, warranties and covenants, if any, with
respect to the related Mortgage Loans of the related Servicer under the related
Servicing Agreement to enforce the provisions thereof and to seek all or any
available remedies). The obligations of the Seller to substitute or repurchase,
as applicable, a Mortgage Loan shall be the Trustee’s and the
Certificateholders’ sole remedy for any breach thereof. At the request of the
Trustee, the Depositor shall take such actions as may be necessary to enforce
the above right, title and interest on behalf of the Trustee and the
Certificateholders or shall execute such further documents as the Trustee may
reasonably require in order to enable the Trustee to carry out such
enforcement.
(b) If
the
Depositor, the Securities Administrator or the Trustee discovers a breach of
any
of the representations and warranties set forth in the Mortgage Loan Purchase
Agreement, which breach materially and adversely affects the value of the
interests of Certificateholders or the Trustee in the related Mortgage Loan,
the
party discovering the breach shall give prompt written notice of the breach
to
the other parties. The Seller, within 90 days of its discovery or receipt of
notice that such breach has occurred (whichever occurs earlier), shall cure
the
breach in all material respects or, subject to the Mortgage Loan Purchase
Agreement or Section 2.04 of this Agreement, as applicable, shall purchase
the
Mortgage Loan or any property acquired with respect thereto from the Trustee;
provided, however, that if there is a breach of any representation set forth
in
the Mortgage Loan Purchase Agreement or Section 2.04 of this Agreement, as
applicable, and the Mortgage Loan or the related property acquired with respect
thereto has been sold, then the Seller shall pay, in lieu of the Repurchase
Price, any excess of the Repurchase Price over the Net Liquidation Proceeds
received upon such sale. If the Net Liquidation Proceeds exceed the Repurchase
Price, any excess shall be paid to the Seller to the extent not required by
law
to be paid to the borrower. Any such purchase by the Seller shall be made by
providing an amount equal to the Repurchase Price to the Securities
Administrator for deposit in the Distribution Account and written notification
detailing the components of such Repurchase Price to the Trustee, the Paying
Agent and the Master Servicer. The Depositor shall notify the Trustee and submit
to the Custodian, as agent for the Trustee, a Request for Release, and the
Custodian shall release, or the Trustee shall cause the Custodian to release,
to
the Seller the related Mortgage File and the Trustee shall execute and deliver
all instruments of transfer or assignment furnished to it by the Seller, without
recourse, representation or warranty as are necessary to vest in the Seller
title to and rights under the Mortgage Loan or any property acquired with
respect thereto. Such purchase shall be deemed to have occurred on the date
on
which the Repurchase Price in available funds is received by the Trustee. The
Master Servicer shall amend the Mortgage Loan Schedule to reflect such
repurchase and shall promptly notify the Trustee and the Rating Agencies of
such
amendment. Enforcement of the obligation of the Seller to purchase (or
substitute a Substitute Mortgage Loan for) any Mortgage Loan or any property
acquired with respect thereto (or pay the Repurchase Price as set forth in
the
above proviso) as to which a breach has occurred and is continuing shall
constitute the sole remedy respecting such breach available to the
Certificateholders or the Trustee on their behalf.
In
connection with any repurchase of a Mortgage Loan pursuant to this Section
2.03,
the Seller shall, or cause the related Servicer to, furnish to
the
Securities Administrator an officer’s certificate,
signed
by a duly authorized officer of the Seller or the related Servicer, as the
case
may be, to the effect that such repurchase has been made in accordance with
the
terms and conditions of this Agreement and that all conditions precedent to
such
repurchase have been satisfied, including the delivery to the Securities
Administrator of the Purchase Price for deposit into the Distribution Account,
together with copies of any Opinion of Counsel required to be delivered pursuant
to this Agreement and the related Request for Release. Solely for purposes
of
the Securities Administrator providing an Assessment of Compliance, upon receipt
of such documentation, the Securities Administrator shall approve such
repurchase and which approval shall consist solely of the Securities
Administrator’s receipt of such documentation and deposits. It is understood and
agreed that the obligation under this Agreement of the Seller to repurchase
any
Mortgage Loan as to which a breach has occurred and is continuing shall
constitute the sole remedies against the Seller respecting such breach available
to Certificateholders, the Depositor or the Trustee.
Section
2.04 Substitution
of Mortgage Loans.
Notwithstanding
anything to the contrary in this Agreement, in lieu of purchasing a Mortgage
Loan pursuant to the Mortgage Loan Purchase Agreement or Sections 2.02 or 2.03
of this Agreement, the Seller may, no later than the date by which such purchase
by the Seller would otherwise be required, tender to the Trustee a Substitute
Mortgage Loan accompanied by a certificate of an authorized officer of the
Seller that such Substitute Mortgage Loan conforms to the requirements set
forth
in the definition of “Substitute Mortgage Loan” in this Agreement; provided,
however, that substitution pursuant to the Mortgage Loan Purchase Agreement
or
Section 2.04 of this Agreement, as applicable, in lieu of purchase shall not
be
permitted after the termination of the two-year period beginning on the Startup
Day; provided, further, 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 cure or substitution must occur within 90 days from the date the breach
was discovered. The Custodian, as agent for the Trustee, shall examine the
Mortgage File for any Substitute Mortgage Loan in the manner set forth in
Section 2.02(a) and the Trustee or the Custodian, as its agent, shall notify
the
Seller, in writing, within five Business Days after receipt, whether or not
the
documents relating to the Substitute Mortgage Loan satisfy the requirements
of
the fifth sentence of Subsection 2.02(a). Within two Business Days after such
notification, the Seller shall provide to the Paying Agent for deposit in the
Distribution Account the amount, if any, by which the Outstanding Principal
Balance as of the next preceding Due Date of the Mortgage Loan for which
substitution is being made, after giving effect to the Scheduled Principal
due
on such date, exceeds the Outstanding Principal Balance as of such date of
the
Substitute Mortgage Loan, after giving effect to Scheduled Principal due on
such
date, which amount shall be treated for the purposes of this Agreement as if
it
were the payment by the Seller of the Repurchase Price for the purchase of
a
Mortgage Loan by the Seller. After such notification to the Seller and, if
any
such excess exists, upon receipt of such deposit, the Trustee shall accept
such
Substitute Mortgage Loan which shall thereafter be deemed to be a Mortgage
Loan
hereunder. In the event of such a substitution, accrued interest on the
Substitute Mortgage Loan for the month in which the substitution occurs and
any
Principal Prepayments made thereon during such month shall be the property
of
the Trust Fund and accrued interest for such month on the Mortgage Loan for
which the substitution is made and any Principal Prepayments made thereon during
such month shall be the property of the Seller. The Scheduled Principal on
a
Substitute Mortgage Loan due on the Due Date in the month of substitution shall
be the property of the Seller and the Scheduled Principal on the Mortgage Loan
for which the substitution is made due on such Due Date shall be the property
of
the Trust Fund. Upon acceptance of the Substitute Mortgage Loan (and delivery
to
the Custodian of a Request for Release for such Mortgage Loan), the Custodian,
as agent for the Trustee, shall release to the Seller the related Mortgage
File
related to any Mortgage Loan released pursuant to the Mortgage Loan Purchase
Agreement or Section 2.04 of this Agreement, as applicable, and shall execute
and deliver all instruments of transfer or assignment, without recourse,
representation or warranty in form as provided to it as are necessary to vest
in
the Seller title to and rights under any Mortgage Loan released pursuant to
the
Mortgage Loan Purchase Agreement or Section 2.04 of this Agreement, as
applicable. The Seller shall deliver to the Custodian the documents related
to
the Substitute Mortgage Loan in accordance with the provisions of the Mortgage
Loan Purchase Agreement or Subsections 2.01(b) and 2.02(b) of this Agreement,
as
applicable, with the date of acceptance of the Substitute Mortgage Loan deemed
to be the Closing Date for purposes of the time periods set forth in those
Subsections. The representations and warranties set forth in the Mortgage Loan
Purchase Agreement shall be deemed to have been made by the Seller with respect
to each Substitute Mortgage Loan as of the date of acceptance of such Mortgage
Loan by the Trustee. The Master Servicer shall amend the Mortgage Loan Schedule
to reflect such substitution and shall provide a copy of such amended Mortgage
Loan Schedule to the Trustee and the Rating Agencies.
In
connection with any substitution of a Mortgage Loan pursuant to this Section
2.04, the Seller shall, or cause the related Servicer to, furnish to the
Securities Administrator an officer’s certificate, signed by a duly authorized
officer of the Seller or the related Servicer, as the case may be, to the
effect
that such substitution has been made in accordance with the terms and conditions
of this Agreement and that all conditions precedent to such substitution
have
been satisfied, together with copies of any Opinion of Counsel required to
be
delivered pursuant to this Agreement and the related Request for Release.
Solely
for purposes of the Securities Administrator providing an Assessment of
Compliance, upon receipt of such documentation, the Securities Administrator
shall approve such substitution and which approval shall be based solely
on the
Securities Administrator’s receipt of such documentation and deposits. It is
understood and agreed that the obligation under this Agreement of the Seller
to
substitute any Mortgage Loan as to which a breach has occurred and is continuing
shall constitute the sole remedies against the Seller respecting such breach
available to Certificateholders, the Depositor or the
Trustee.
Section
2.05 Issuance
of Certificates.
(a) The
Trustee acknowledges the assignment to it of the Mortgage Loans and the other
assets comprising the Trust Fund and, concurrently therewith, the Securities
Administrator has signed, and countersigned and delivered to the Depositor,
in
exchange therefor, Certificates in such authorized denominations representing
such Fractional Undivided Interests as the Depositor has requested. The Trustee
agrees that it will hold the Mortgage Loans and such other assets as may from
time to time be delivered to it segregated on the books of the Trustee in trust
for the benefit of the Certificateholders.
(b) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the
Mortgage Loans and the other assets of REMIC I for the benefit of the holders
of
the REMIC I Interests. The Trustee acknowledges receipt of such assets and
declares that it holds and will hold the same in trust for the exclusive use
and
benefit of the holders of the REMIC I Interests.
(c) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the REMIC
I Regular Interests and the other assets of REMIC II for the benefit of the
holders of the REMIC II Interests. The Trustee acknowledges receipt of the
REMIC
I Regular Interests (which are uncertificated) and the other assets of REMIC
II
and declares that it holds and will hold the same in trust for the exclusive
use
and benefit of the holders of the REMIC II Interests.
(d) The
Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without
recourse all the right, title and interest of the Depositor in and to the REMIC
II Regular Interests and the other assets of REMIC III for the benefit of the
Holders of the Certificates (other than the Class R-I Certificates and the
Class
R-II Certificates). The Trustee acknowledges receipt of the REMIC II Regular
Interests (which are uncertificated) and the other assets of REMIC III and
declares that it holds and will hold the same in trust for the exclusive use
and
benefit of the Holders of the Certificates (other than the Class R-I
Certificates and the Class R-II Certificates).
Section
2.06 Representations
and Warranties Concerning the Depositor.
The
Depositor hereby represents and warrants to the Trustee, the Master Servicer
and
the Securities Administrator as follows:
(i) the
Depositor (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 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 Depositor’s
business as presently conducted or on the Depositor’s ability to enter into this
Agreement and to consummate the transactions contemplated hereby;
(ii) the
Depositor 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 Depositor of this Agreement have been duly
authorized by all necessary corporate action on the part of the Depositor;
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 Depositor or its properties or the articles of
incorporation or by-laws of the Depositor, except those conflicts, breaches
or
defaults which would not reasonably be expected to have a material adverse
effect on the Depositor’s ability to enter into this Agreement and to consummate
the transactions contemplated hereby;
(iv) the
execution, delivery and performance by the Depositor 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 Depositor and, assuming
due authorization, execution and delivery by the other parties hereto,
constitutes a valid and binding obligation of the Depositor 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 Depositor,
threatened against the Depositor, 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 Depositor will be determined adversely to the Depositor
and
will if determined adversely to the Depositor materially and adversely affect
the Depositor’s ability to enter into this Agreement or perform its obligations
under this Agreement; and the Depositor 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;
(vii) The
Depositor has filed all reports required to be filed by Section 13 or Section
15(d) of the Exchange Act during the preceding 12 months (or for such shorter
period that the Depositor was required to file such reports) and it has been
subject to such filing requirements for the past 90 days; and
(viii) 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 Depositor 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.
ARTICLE
III
ADMINISTRATION
AND SERVICING OF MORTGAGE LOANS
Section
3.01 Master
Servicer.
The
Master Servicer shall, from and after the Closing Date, supervise, monitor
and
oversee the obligation of the Servicers to service and administer their
respective Mortgage Loans in accordance with the terms of the applicable
Servicing Agreements 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
each
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 each Servicer
and
shall cause each Servicer to perform and observe the covenants, obligations
and
conditions to be performed or observed by such Servicer under its applicable
Servicing Agreement. The Master Servicer shall independently and separately
monitor each 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 Servicers’ and Master Servicer’s records, and based on such
reconciled and corrected information, the Master Servicer shall provide such
information to the Securities Administrator as shall be necessary in order
for
it to prepare the statements specified in Section 6.04, 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 Servicers pursuant to the
applicable Servicing Agreements.
In
addition to the foregoing, in connection with a modification of any Mortgage
Loan by a Servicer, if the Master Servicer is unable to enforce the obligations
of the Servicer with respect to such modification, the Master Servicer shall
notify the Depositor of such Servicer’s failure to comply with the terms of the
Servicing Agreement. If the Servicing Agreement requires the approval of the
Master Servicer for a modification to a Mortgage Loan, the Master Servicer
shall
approve such modification if, based upon its receipt of written notification
from the related Servicer outlining the terms of such modification and
appropriate supporting documentation, the Master Servicer determines that the
modification is permitted under the terms of the Servicing Agreement and that
any conditions to such modification set forth in the Servicing Agreement have
been satisfied. Furthermore, if the Servicing Agreement requires the oversight
and monitoring of loss mitigation measures with respect to the related Mortgage
Loans, the Master Servicer will monitor any loss mitigation procedure or
recovery action related to a defaulted Mortgage Loan (to the extent it receives
notice of such from the related Servicer) and confirm that such loss mitigation
procedure or recovery action is initiated, conducted and concluded in accordance
with any timeframes and any other requirements set forth in the Servicing
Agreement, and the Master Servicer shall notify the Depositor in any case in
which the Master Servicer believes that the related Servicer is not complying
with such timeframes and/or other requirements.
The
Trustee shall furnish the Servicers and the Master Servicer with any powers
of
attorney and upon written request from a servicing officer other documents
in
form as provided to it necessary or appropriate to enable the Servicers and
the
Master Servicer to service and administer the related Mortgage Loans and REO
Property.
The
Trustee or the Custodian, as its agent, shall provide access to the records
and
documentation in the possession of the Custodian regarding the related Mortgage
Loans and REO Property and the servicing thereof to the Certificateholders,
the
FDIC, and the supervisory agents and examiners of the FDIC, such access being
afforded only upon reasonable prior written request and during normal business
hours at the office of the Custodian; provided, however, that, unless otherwise
required by law, the Trustee or the Custodian, as its agent, 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
or the Custodian, as its agent, 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 or the
Custodian’s actual costs.
The
Trustee shall execute upon the related Servicer’s written instruction (which
includes the documents to be signed) and deliver to the related Servicer and
the
Master Servicer, any court pleadings, requests for trustee’s sale or other
appropriate documents necessary or desirable to (i) the foreclosure or trustee’s
sale with respect to a Mortgaged Property; (ii) any legal action brought to
obtain judgment against any Mortgagor on the Mortgage Note or Security
Instrument; (iii) obtain a deficiency judgment against the Mortgagor; or (iv)
enforce any other rights or remedies provided by the Mortgage Note or Security
Instrument or otherwise available at law or equity.
Section
3.02 REMIC-Related
Covenants.
For
as
long as each REMIC shall exist, the Trustee and the Securities Administrator
shall act in accordance herewith to assure continuing treatment of such REMIC
as
a REMIC, and the Trustee and the Securities Administrator shall comply with
any
directions of the Depositor, the related 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 (except as otherwise expressly permitted
by
this Agreement) 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 Servicers.
(a) The
Master Servicer shall be responsible for reporting to the Trustee and the
Depositor the compliance by each Servicer with its duties under the related
Servicing Agreement. In the review of each 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 such Servicer’s
compliance with the terms of its Servicing Agreement. In the event that the
Master Servicer, in its judgment, determines that a 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 Depositor and the Trustee thereof and the
Master Servicer (or the Trustee in the case that Xxxxx Fargo is the Servicer
to
be terminated) shall issue such notice or take such other action as it deems
appropriate.
The
Master Servicer, for the benefit of the Trustee and the Certificateholders,
shall enforce the obligations of each Servicer under the related Servicing
Agreement, and shall, in the event that the related Servicer (other than
Xxxxx
Fargo) fails to perform its obligations in accordance with the related Servicing
Agreement, subject to the preceding paragraph, terminate the rights and
obligations of such Servicer thereunder and act as servicer of the related
Mortgage Loans or to cause the Trustee to enter into a new Servicing Agreement
with a successor Servicer selected by the Master Servicer; provided, however,
it
is understood and acknowledged by the parties hereto that there shall be
a
period of transition (not to exceed 90 days) before the actual servicing
functions can be fully transferred to such successor Servicer. In the event
that
Xxxxx Fargo fails to perform its obligations in accordance with the Xxxxx
Fargo
Servicing Agreement, subject to the preceding paragraph, the Master Servicer
shall notify the Trustee in writing of such failure. Pursuant to its receipt
of
such notification from the Master Servicer, the Trustee shall terminate the
rights and obligations of Xxxxx Fargo under the Xxxxx Fargo Servicing Agreement
and enter into a new servicing agreement with a successor servicer selected
by
the Trustee or, in the case where it cannot find a successor servicer, it
shall
become the successor 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. In either event, such enforcement,
including, without limitation, the legal prosecution of claims, termination
of
the related Servicing Agreement and the pursuit of other appropriate remedies,
shall be in such form and carried out to such an extent and at such time
as the
Master Servicer (or in the case Xxxxx Fargo is terminated as the Servicer,
the
Trustee), in its good faith business judgment, would require were it the
owner
of the related Mortgage Loans. The Master Servicer shall pay the costs of
such
enforcement at its own expense, subject to its right of reimbursement pursuant
to the provisions of this Agreement or the related Servicing Agreement, provided
that the Master Servicer shall not be required to prosecute or defend any
legal
action except to the extent that the Master Servicer shall have received
reasonable indemnity for its costs and expenses in pursuing such action.
In the
event that Xxxxx Fargo is terminated as the Servicer, the Trustee shall pay
the
costs of such enforcement at its own expense, subject to its right to be
reimbursed for such costs from the Distribution Account pursuant to Section
4.03(c); provided that the Trustee shall not be required to prosecute or
defend
any legal action except to the extent that the Trustee shall have received
reasonable indemnity for its costs and expenses in pursuing such action.
Nothing
herein shall impose any obligation on the part of the Trustee to assume or
succeed to the duties or obligations of Xxxxx Fargo or the Master Servicer
unless the Trustee has not been able to find a successor servicer or a successor
master servicer.
(b) To
the
extent that the costs and expenses of the Master Servicer or the Trustee, as
applicable, related to any termination of a Servicer, appointment of a successor
servicer or the transfer and assumption of servicing by the Master Servicer
or
the Trustee, as applicable, 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 such 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 servicer 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 or the Trustee, as applicable, shall
be
entitled to reimbursement of such costs and expenses from the Distribution
Account.
(c) The
Master Servicer shall require each Servicer to comply with the remittance
requirements and other obligations set forth in the related Servicing
Agreements.
(d) 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.
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 and
Liquidation Proceeds, and (iv) to effectuate foreclosure or other conversion
of
the ownership of the Mortgaged Property securing any Mortgage Loan, in each
case, in accordance with the provisions of this Agreement and the related
Servicing Agreement, as applicable; provided, however, that the Master Servicer
shall not (and, consistent with its responsibilities under Section 3.03, shall
not permit any Servicer to) knowingly or intentionally take any action, or
fail
to take (or fail to cause to be taken) any action reasonably within its control
and the scope of duties more specifically set forth herein, that, under the
REMIC Provisions, if taken or not taken, as the case may be, may 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
has
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 any
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
any 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 9.11 hereof. In the
performance of its duties hereunder, the Master Servicer shall be an independent
contractor and shall not 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 Servicers 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
any 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 D hereto signed by a
Servicing Officer 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 applicable Servicer pursuant to Section
4.01
or by the applicable Servicer pursuant to its Servicing Agreement have been
or
will be so deposited) and shall request that the Custodian, on behalf of the
Trustee, deliver to the applicable 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 applicable
Servicer and the Trustee and Custodian shall have no further responsibility
with
regard to such Mortgage File. Upon any such payment in full, each 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, upon written
instruction from such Servicer or the Master Servicer, the Trustee shall execute
such documents as shall be prepared and furnished to the Trustee by a 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 a 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 D (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 and each 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 such
Servicer from time to time as are required by the terms hereof, or in the case
of the Servicers, the applicable Servicing Agreement, to be delivered to the
Trustee or Custodian. Any funds received by the Master Servicer or by a Servicer
in respect of any Mortgage Loan or which otherwise are collected by the Master
Servicer or by a Servicer as Liquidation Proceeds or Insurance Proceeds in
respect of any Mortgage Loan shall be held for the benefit of the Trustee and
the Certificateholders subject to the Master Servicer’s right to retain or
withdraw from the Distribution Account the Master Servicing Compensation and
other amounts provided in this Agreement, and to the right of each 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 each Servicer to, provide access
to information and documentation regarding the Mortgage Loans to the Trustee,
its agents and accountants at any time upon reasonable request and during normal
business hours, and to Certificateholders that are savings and loan
associations, banks or insurance companies, the Office of Thrift Supervision,
the FDIC and the supervisory agents and examiners of such Office and Corporation
or examiners of any other federal or state banking or insurance regulatory
authority if so required by applicable regulations of the Office of Thrift
Supervision or other regulatory authority, such access to be afforded without
charge but only upon reasonable request in writing and during normal business
hours at the offices of the Master Servicer designated by it. In fulfilling
such
a request the Master Servicer shall not be responsible for determining the
sufficiency of such information.
(b) All
Mortgage Files and funds collected or held by, or under the control of, the
Master Servicer, in respect of any Mortgage Loans, whether from the collection
of principal and interest payments or from Liquidation Proceeds or Insurance
Proceeds, shall be held by the Master Servicer for and on behalf of the Trustee
and the Certificateholders and shall be and remain the sole and exclusive
property of the Trustee; provided, however, that the Master Servicer and each
Servicer shall be entitled to setoff against, and deduct from, any such funds
any amounts that are properly due and payable to the Master Servicer or such
Servicer under this Agreement or the 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 Servicers
under the related Servicing Agreements 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 Agreements. 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 4.01 and 4.04, any amounts collected by the Servicers or the Master
Servicer, or by any 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 Distribution Account, subject
to withdrawal pursuant to Section 4.04 and 4.05. Any cost incurred by the Master
Servicer or any 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 such Servicer pursuant to Section 4.04
and
4.05.
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 related Servicer to prepare and present on behalf of the
Trustee and the Certificateholders all claims under the Insurance Policies
and
take such actions (including the negotiation, settlement, compromise or
enforcement of the insured’s claim) as shall be necessary to realize recovery
under such policies. Any proceeds disbursed to the Master Servicer (or disbursed
to a Servicer and remitted to the Master Servicer) in respect of such policies,
bonds or contracts shall be promptly deposited in the Distribution 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 any 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 such Servicer, would have been covered thereunder. The Master Servicer shall
use its best reasonable efforts to cause each 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
any 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 each 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 4.01 and
4.04,
any amounts collected by the Master Servicer or any Servicer under any Primary
Mortgage Insurance Policies shall be deposited in the Distribution Account,
subject to withdrawal pursuant to Sections 4.04 and 4.05.
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 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 each 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 all income and gain realized from any
investment of funds in the Distribution Account for a period not to exceed
five
Business Days preceding the Distribution Date, 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 premium or penalty) shall be
retained by the applicable 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 applicable 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
applicable 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 applicable 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 applicable 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
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 applicable 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 Distribution Account on the next
succeeding Servicer Remittance Date.
Section
3.16 Annual
Statement as to Compliance.
(a) The
Master Servicer and the Securities Administrator shall deliver (or otherwise
make available) to the Depositor and the Securities Administrator not later
than
March 15th of each calendar year beginning in 2007, an Officer’s Certificate (an
“Annual Statement of Compliance”) stating, as to each signatory thereof, that
(i) a review of the activities of each such party during the preceding calendar
year and of its performance under this Agreement or other applicable servicing
agreement has been made under such officer’s supervision and (ii) to the best of
such officer’s knowledge, based on such review, such party has fulfilled all of
its obligations under this Agreement or other applicable servicing agreement
in
all material respects throughout such year, or, if there has been a failure
to
fulfill any such obligation in any material respect, specifying each such
failure known to such officer and the nature and status of the cure provisions
thereof. Such Annual Statement of Compliance shall contain no restrictions
or
limitations on its use. The Master Servicer shall enforce the obligations of
each Servicer, to the extent set forth in the related Servicing Agreement,
to
deliver a similar Annual Statement of Compliance by that Servicer to the
Depositor and the Securities Administrator as described above as and when
required with respect to the Master Servicer. In the event that certain
servicing responsibilities with respect to any Mortgage Loan have been delegated
by the Master Servicer, the Securities Administrator or a Servicer to a
subservicer or subcontractor, each such entity shall cause such subservicer
or
subcontractor (and with respect to each Servicer, the Master Servicer shall
enforce the obligation of such Servicer to the extent required under the related
Servicing Agreement) to deliver a similar Annual Statement of Compliance by
such
subservicer or subcontractor to the Depositor and the Securities Administrator
as described above as and when required with respect to the Master Servicer
or
the related Servicer (as the case may be).
(b) Failure
of the Master Servicer to comply with this Section 3.16 (including with respect
to the timeframes required herein) shall be deemed an Event of Default, and
at
the written direction of the Depositor the Trustee shall, in addition to
whatever rights the Trustee may have under this Agreement and at law or equity
or to damages, including injunctive relief and specific performance, upon notice
immediately terminate all of the rights and obligations of the Master Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds thereof
without compensating the Master Servicer for the same. Failure of the Securities
Administrator to comply with this Section 3.16 (including with respect to the
timeframes required in this Section) which failure results in a failure to
timely file the related Form 10-K, shall be deemed a default and the Trustee
at
the written direction of the Depositor shall, in addition to whatever rights
the
Trustee may have under this Agreement and at law or equity or to damages,
including injunctive relief and specific performance, upon notice immediately
terminate all of the rights and obligations of the Securities Administrator
under this Agreement and in and to the Mortgage Loans and the proceeds thereof
without compensating the Securities Administrator for the same. This paragraph
shall supersede any other provision in this Agreement or any other agreement
to
the contrary.
Section
3.17 Assessments
of Compliance and Attestation Reports.
Pursuant
to Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation
AB,
each of the Master Servicer, the Securities Administrator and the Custodian
(to
the extent set forth in this Section) (each, an “Attesting Party”) shall deliver
(or otherwise make available) to the Securities Administrator and the Depositor
on or before March 15th of each calendar year beginning in 2007, a report
regarding such Attesting Party’s assessment of compliance (an “Assessment of
Compliance”) with the Servicing Criteria during the preceding calendar year. The
Assessment of Compliance, as set forth in Regulation AB, must contain the
following:
(a) A
statement by an authorized officer of such Attesting Party of its authority
and
responsibility for assessing compliance with the Servicing Criteria applicable
to the related Attesting Party;
(b) A
statement by an authorized officer that such Attesting Party used the Servicing
Criteria attached as Exhibit M hereto, and which will also be attached to the
Assessment of Compliance, to assess compliance with the Servicing Criteria
applicable to the related Attesting Party;
(c) An
assessment by such officer of the related Attesting Party’s compliance with the
applicable Servicing Criteria for the period consisting of the preceding
calendar year, including disclosure of any material instance of noncompliance
with respect thereto during such period, which assessment shall be based on
the
activities such Attesting Party performs with respect to asset-backed securities
transactions taken as a whole involving the related Attesting Party, that are
backed by the same asset type as the Mortgage Loans;
(d) A
statement that a registered public accounting firm has issued an attestation
report on the related Attesting Party’s Assessment of Compliance for the period
consisting of the preceding calendar year; and
(e) A
statement as to which of the Servicing Criteria, if any, are not applicable
to
the related Attesting Party, which statement shall be based on the activities
such Attesting Party performs with respect to asset-backed securities
transactions taken as a whole involving such Attesting Party, that are backed
by
the same asset type as the Mortgage Loans.
Such
report at a minimum shall address each of the Servicing Criteria specified
on
Exhibit M hereto which are indicated as applicable to the related Attesting
Party.
On
or
before March 15th of each calendar year beginning in 2007, each Attesting Party
shall furnish to the Master Servicer, the Depositor and the Securities
Administrator a report (an “Attestation Report”) by a registered public
accounting firm that attests to, and reports on, the Assessment of Compliance
made by the related Attesting Party, as required by Rules 13a-18 and 15d-18
of
the Exchange Act and Item 1122(b) of Regulation AB, which Attestation Report
must be made in accordance with standards for attestation reports issued or
adopted by the Public Company Accounting Oversight Board.
The
Master Servicer shall enforce the obligation of each Servicer to deliver to
the
Securities Administrator, the Master Servicer and the Depositor an Assessment
of
Compliance and Attestation Report as and when provided in the related Servicing
Agreement. Each of the Master Servicer and the Securities Administrator shall
cause any subservicer and each subcontractor (to the extent such subcontractor
is determined by the Master Servicer or the Securities Administrator, as
applicable, to be “participating in the servicing function” within the meaning
of Item 1122 of Regulation AB) that is engaged by the Master Servicer or the
Securities Administrator, as applicable, to deliver to the Securities
Administrator, the Master Servicer and the Depositor an Assessment of Compliance
and Attestation Report as and when provided above. Such Assessment of
Compliance, as to any subservicer or subcontractor, shall at a minimum address
the applicable Servicing Criteria specified on Exhibit M hereto which are
indicated as applicable to any “primary servicer” to the extent such subservicer
or subcontractor is performing any servicing function for the party who engages
it and to the extent such party is not itself addressing the Servicing Criteria
related to such servicing function in its own Assessment of Compliance. The
Securities Administrator shall confirm that each of the Assessments of
Compliance delivered to it, taken as a whole, address all of the Servicing
Criteria and taken individually address the Servicing Criteria for each party
as
set forth in Exhibit M and notify the Depositor of any exceptions.
Notwithstanding the foregoing, as to any subcontractor, an Assessment of
Compliance is not required to be delivered unless it is required as part of
a
Form 10-K with respect to the Trust Fund.
The
Custodian shall deliver to the Securities Administrator and the Depositor an
Assessment of Compliance and Attestation Report, as and when provided above,
which shall at a minimum address each of the Servicing Criteria specified on
Exhibit M hereto which are indicated as applicable to a “custodian”.
Notwithstanding the foregoing, an Assessment of Compliance or Attestation Report
is not required to be delivered by any Custodian unless it is required as part
of a Form 10-K with respect to the Trust Fund.
Failure
of the Master Servicer to comply with this Section 3.17 (including with respect
to the timeframes required herein) shall, upon written notice from the Trustee
at the written direction of the Depositor, constitute an Event of Default,
and
at the written direction of the Depositor the Trustee shall, in addition to
whatever rights the Trustee may have under this Agreement and at law or equity
or to damages, including injunctive relief and specific performance, upon notice
immediately terminate all of the rights and obligations of the Master Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds thereof
without compensating the Master Servicer for the same (but subject to the Master
Servicer’s rights to payment of any Master Servicing compensation and
reimbursement of all amounts for which it is entitled to be reimbursed prior
to
the date of termination). Failure of the Securities Administrator to comply
with
this Section 3.17 (including with respect to the timeframes required in this
Section) which failure results in a failure to timely file the related Form
10-K, shall, upon written notice from the Trustee at the written direction
of
the Depositor, constitute a default and the Trustee shall, in addition to
whatever rights the Trustee may have under this Agreement and at law or equity
or to damages, including injunctive relief and specific performance, upon notice
immediately terminate all of the rights and obligations of the Securities
Administrator under this Agreement and in and to the Mortgage Loans and the
proceeds thereof without compensating the Securities Administrator for the
same
(but subject to the Securities Administrator’s right to reimbursement of all
amounts for which it is entitled to be reimbursed prior to the date of
termination). This paragraph shall supersede any other provision in this
Agreement or any other agreement to the contrary.
Section
3.18 Reports
Filed with Securities and Exchange Commission.
(a) (i)
(A)
Within 15 days after each Distribution Date, the Securities Administrator shall,
in accordance with industry standards, prepare and file with the Commission
via
the Electronic Data Gathering and Retrieval System (“XXXXX”), a Distribution
Report on Form 10-D, signed by the Master Servicer, with a copy of the Monthly
Statement to be furnished by the Securities Administrator to the
Certificateholders for such Distribution Date; provided that, the Securities
Administrator shall have received no later than five (5) calendar days after
the
related Distribution Date, all information required to be provided to the
Securities Administrator as described in clause (a)(iv) below. Any disclosure
that is in addition to the Monthly Statement and that is required to be included
on Form 10-D (“Additional Form 10-D Disclosure”) shall be, pursuant to the
paragraph immediately below, reported by the parties set forth on Exhibit N
to
the Securities Administrator and the Depositor and approved by the Depositor,
and the Securities Administrator will have no duty or liability for any failure
hereunder to determine or prepare any Additional Form 10-D Disclosure absent
such reporting (other than in the case where the Securities Administrator is
the
reporting party as set forth in Exhibit N) and approval.
(B)
Within five (5) calendar days after the related Distribution Date, (i) the
parties set forth in Exhibit N shall be required to provide, pursuant to Section
3.18(a)(iv) below, to the Securities Administrator and the Depositor, to the
extent known by a responsible officer thereof, in XXXXX-compatible format,
or in
such other form as otherwise agreed upon by the Securities Administrator and
the
Depositor and such party, the form and substance of any Additional Form 10-D
Disclosure, if applicable, and (ii) the Depositor will approve, as to form
and
substance, or disapprove, as the case may be, the inclusion of the Additional
Form 10-D Disclosure on Form 10-D. The Depositor shall be responsible for any
reasonable fees and expenses assessed or incurred by the Securities
Administrator in connection with including any Additional Form 10-D Disclosure
on Form 10-D pursuant to this Section.
(C)
After
preparing the Form 10-D, the Securities Administrator shall forward
electronically a copy of the Form 10-D to the Depositor (in the case of any
Additional 10-D Disclosure and otherwise if requested by the Depositor) and
the
Master Servicer for review. Within two Business Days after receipt of such
copy,
but no later than the 12th calendar day after the Distribution Date (provided
that, the Securities Administrator forwards a copy of the Form 10-D no later
than the 10th calendar after the Distribution Date), the Depositor shall notify
the Securities Administrator in writing (which may be furnished electronically)
of any changes to or approval of such Form 10-D. In the absence of receipt
of
any written changes or approval, the Securities Administrator shall be entitled
to assume that such Form 10-D is in final form and the Securities Administrator
may proceed with the execution and filing of the Form 10-D. No later than the
13th calendar day after the related Distribution Date, a duly authorized officer
of the Master Servicer shall sign the Form 10-D and, in the case where the
Master Servicer and the Securities Administrator are not affiliated, return
an
electronic or fax copy of such signed Form 10-D (with an original executed
hard
copy to follow by overnight mail) to the Securities Administrator. If a Form
10-D cannot be filed on time or if a previously filed Form 10-D needs to be
amended, the Securities Administrator shall follow the procedures set forth
in
Section 3.18(a)(v)(B). Promptly (but no later than one (1) Business Day) after
filing with the Commission, the Securities Administrator shall make available
on
its internet website identified in Section 6.04 a final executed copy of each
Form 10-D filed by the Securities Administrator. The signing party at the Master
Servicer can be contacted as set forth in Section 12.07. Form 10-D requires
the
registrant to indicate (by checking “yes” or “no”) that it (1) has filed all
reports required to be filed by Section 13 or 15(d) of the Exchange Act during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days. The Depositor shall notify the Securities
Administration in writing, no later than the fifth calendar day after the
related Distribution Date with respect to the filing of a report on Form 10-D,
if the answer to the questions should be “no”. The Securities Administrator
shall be entitled to rely on the representations in Section 2.06(vii) and
in any such notice in preparing, executing and/or filing any such report. The
parties to this Agreement acknowledge that the performance by the Master
Servicer and the Securities Administrator of their respective duties under
Sections 3.18(a)(i) and (vi) related to the timely preparation, execution and
filing of Form 10-D is contingent upon such parties strictly observing all
applicable deadlines in the performance of their duties under such Sections.
Neither the Master Servicer nor the Securities Administrator shall have any
liability for any loss, expense, damage, claim arising out of or with respect
to
any failure to properly prepare, execute and/or timely file such Form 10-D,
where such failure results from the Master Servicer’s or the Securities
Administrator’s inability or failure to receive, on a timely basis, any
information from any other party hereto needed to prepare, arrange for execution
or file such Form 10-D, not resulting from its own negligence, bad faith or
willful misconduct.
(ii)
(A)
Within four (4) Business Days after the occurrence of an event requiring
disclosure on Form 8-K (each such event, a “Reportable Event”), the Securities
Administrator shall prepare and file, at the direction of the Depositor, on
behalf of the Trust, any Form 8-K, as required by the Exchange Act; provided
that, the Depositor shall file the initial Form 8-K in connection with the
issuance of the Certificates. Any disclosure or information related to a
Reportable Event or that is otherwise required to be included on Form 8-K (“Form
8-K Disclosure Information”) shall be, pursuant to the paragraph immediately
below, reported by the parties set forth on Exhibit N to the Securities
Administrator and the Depositor and approved by the Depositor, and the
Securities Administrator will have no duty or liability for any failure
hereunder to determine or prepare any Form 8-K Disclosure Information absent
such reporting (other than in the case where the Securities Administrator is
the
reporting party as set forth in Exhibit N) and approval.
(B)
For
so long as the Trust is subject to the Exchange Act reporting requirements,
no
later than the close of business on the 2nd Business Day after the occurrence
of
a Reportable Event (i) the parties set forth in Exhibit N shall be required
pursuant to Section 3.18(a)(iv) below to provide to the Securities Administrator
and the Depositor, to the extent known by a responsible officer thereof, in
XXXXX-compatible format, or in such other form as otherwise agreed upon by
the
Securities Administrator and the Depositor and such party, the form and
substance of any Form 8-K Disclosure Information, if applicable, and (ii) the
Depositor shall approve, as to form and substance, or disapprove, as the case
may be, the inclusion of the Form 8-K Disclosure Information on Form 8-K. The
Depositor shall be responsible for any reasonable fees and expenses assessed
or
incurred by the Securities Administrator in connection with including any Form
8-K Disclosure Information on Form 8-K pursuant to this Section.
(C)
After
preparing the Form 8-K, the Securities Administrator shall forward
electronically a copy of the Form 8-K to the Depositor and the Master Servicer
for review. No later than the close of business New York City time on the 3rd
Business Day after the Reportable Event, or in the case where the Master
Servicer and Securities Administrator are affiliated, no later than noon New
York City time on the 4th Business Day after the Reportable Event, a duly
authorized officer of the Master Servicer shall sign the Form 8-K and, in the
case where the Master Servicer and the Securities Administrator are not
affiliated, return an electronic or fax copy of such signed Form 8-K (with
an
original executed hard copy to follow by overnight mail) to the Securities
Administrator. Promptly, but no later than the close of business on the 3rd
Business Day after the Reportable Event (provided that, the Securities
Administrator forwards a copy of the Form 8-K no later than noon New York time
on the third Business Day after the Reportable Event), the Depositor shall
notify the Securities Administrator in writing (which may be furnished
electronically) of any changes to or approval of such Form 8-K. In the absence
of receipt of any written changes or approval, the Securities Administrator
shall be entitled to assume that such Form 8-K is in final form and the
Securities Administrator may proceed with the execution and filing of the Form
8-K. If a Form 8-K cannot be filed on time or if a previously filed Form 8-K
needs to be amended, the Securities Administrator shall follow the procedures
set forth in Section 3.18(a)(v)(B). Promptly (but no later than one (1) Business
Day) after filing with the Commission, the Securities Administrator shall,
make
available on its internet website a final executed copy of each Form 8-K filed
by the Securities Administrator. The signing party at the Master Servicer can
be
contacted as set forth in Section 12.07. The parties to this Agreement
acknowledge that the performance by Master Servicer and the Securities
Administrator of their respective duties under this Section 3.18(a)(ii) related
to the timely preparation, execution and filing of Form 8-K is contingent upon
such parties strictly observing all applicable deadlines in the performance
of
their duties under this Section 3.18(a)(ii). Neither the Master Servicer nor
the
Securities Administrator shall have any liability for any loss, expense, damage,
claim arising out of or with respect to any failure to properly prepare, execute
and/or timely file such Form 8-K, where such failure results from the Master
Servicer’s or the Securities Administrator’s inability or failure to receive, on
a timely basis, any information from any other party hereto needed to prepare,
arrange for execution or file such Form 8-K, not resulting from its own
negligence, bad faith or willful misconduct.
(iii)
(A)
Within 90 days after the end of each fiscal year of the Trust or such earlier
date as may be required by the Exchange Act (the “10-K Filing Deadline”) (it
being understood that the fiscal year for the Trust ends on December 31st of
each year), commencing in March 2007, the Securities Administrator shall prepare
and file on behalf of the Trust a Form 10-K, in form and substance as required
by the Exchange Act. Each such Form 10-K shall include the following items,
in
each case to the extent they have been delivered to the Securities Administrator
within the applicable time frames set forth in this Agreement, (I) an annual
compliance statement for the Master Servicer, the Securities Administrator
and
any subservicer or subcontractor, as applicable, as described under Section
3.16, (II)(A) the annual reports on assessment of compliance with Servicing
Criteria for the Master Servicer, each subservicer and subcontractor
participating in the servicing function, the Securities Administrator and the
Custodian, as described under Section 3.17, and (B) if any such report on
assessment of compliance with Servicing Criteria described under Section 3.17
identifies any material instance of noncompliance, disclosure identifying such
instance of noncompliance, or if any such report on assessment of compliance
with Servicing Criteria described under Section 3.17 is not included as an
exhibit to such Form 10-K, disclosure that such report is not included and
an
explanation why such report is not included, (III)(A) the registered public
accounting firm attestation report for the Master Servicer, the Securities
Administrator, each subservicer, each subcontractor, as applicable, and the
Custodian, as described under Section 3.17, and (B) if any registered public
accounting firm attestation report described under Section 3.17 identifies
any
material instance of noncompliance, disclosure identifying such instance of
noncompliance, or if any such registered public accounting firm attestation
report is not included as an exhibit to such Form 10-K, disclosure that such
report is not included and an explanation why such report is not included,
and
(IV) a Xxxxxxxx-Xxxxx Certification as described in Section 3.18 (a)(iii)(D)
below (provided, however, that the Securities Administrator, at its discretion,
may omit from the Form 10-K any annual compliance statement, assessment of
compliance or attestation report that is not required to be filed with such
Form
10-K pursuant to Regulation AB). Any disclosure or information in addition
to
(I) through (IV) above that is required to be included on Form 10-K (“Additional
Form 10-K Disclosure”) shall be, pursuant to the paragraph immediately below,
reported by the parties set forth on Exhibit N to the Securities Administrator
and the Depositor and approved by the Depositor, and the Securities
Administrator will have no duty or liability for any failure hereunder to
determine or prepare any Additional Form 10-K Disclosure absent such reporting
(other than in the case where the Securities Administrator is the reporting
party as set forth in Exhibit N) and approval.
(B)
No
later than March 15th of each year that the Trust is subject to the Exchange
Act
reporting requirements, commencing in 2007, (i) the parties set forth in Exhibit
N shall be required to provide pursuant to Section 3.18(a)(iv) below to the
Securities Administrator and the Depositor, to the extent known by a responsible
officer thereof, in XXXXX-compatible format, or in such other form as otherwise
agreed upon by the Securities Administrator and the Depositor and such party,
the form and substance of any Additional Form 10-K Disclosure, if applicable,
and (ii) the Depositor will approve, as to form and substance, or disapprove,
as
the case may be, the inclusion of the Additional Form 10-K Disclosure on Form
10-K. The Depositor shall be responsible for any reasonable fees and expenses
assessed or incurred by the Securities Administrator in connection with
including any Additional Form 10-K Disclosure on Form 10-K pursuant to this
Section.
(C)
After
preparing the Form 10-K, the Securities Administrator shall forward
electronically a copy of the Form 10-K to the Depositor (only in the case where
such Form 10-K includes Additional Form 10-K Disclosure) and the Master Servicer
for review. Within three Business Days after receipt of such copy, but no later
than March 25th (provided that, the Securities Administrator forwards a copy
of
the Form 10-K no later than the third Business Day prior to March 25th), the
Depositor shall notify the Securities Administrator in writing (which may be
furnished electronically) of any changes to or approval of such Form 10-K.
In
the absence of receipt of any written changes or approval, the Securities
Administrator shall be entitled to assume that such Form 10-K is in final form
and the Securities Administrator may proceed with the execution and filing
of
the Form 10-K. No later than the close of business Eastern Standard time on
the
4th Business Day prior to the 10-K Filing Deadline, an officer of the Master
Servicer in charge of the master servicing function shall sign the Form 10-K
and, in the case where the Master Servicer and the Securities Administrator
are
unaffiliated, return an electronic or fax copy of such signed Form 10-K (with
an
original executed hard copy to follow by overnight mail) to the Securities
Administrator. If a Form 10-K cannot be filed on time or if a previously filed
Form 10-K needs to be amended, the Securities Administrator will follow the
procedures set forth in Section 3.18(a)(vi). Promptly (but no later than one
(1)
Business Day) after filing with the Commission, the Securities Administrator
shall make available on its internet website a final executed copy of each
Form
10-K filed by the Securities Administrator. The signing party at the Master
Servicer can be contacted as set forth in Section 12.07. Form 10-K requires
the
registrant to indicate (by checking “yes” or “no”) that it (1) has filed all
reports required to be filed by Section 13 or 15(d) of the Exchange Act during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days. The Depositor shall notify the Securities
Administration in writing, no later than March 15th after the related
Distribution Date with respect to the filing of a report on Form 10-K, if the
answer to the questions should be “no”. The Securities Administrator shall be
entitled to rely on the representations in Section 2.06(vii) and in any
such notice in preparing, executing and/or filing any such report. The
parties to this Agreement acknowledge that the performance by the Master
Servicer and the Securities Administrator of their respective duties under
Sections 3.18(a)(iv) and (v) related to the timely preparation, execution and
filing of Form 10-K is contingent upon such parties strictly observing all
applicable deadlines in the performance of their duties under such Sections
and
Sections 3.16 and Section 3.17. Neither the Master Servicer nor the Securities
Administrator shall have any liability for any loss, expense, damage, claim
arising out of or with respect to any failure to properly prepare, execute
and/or timely file such Form 10-K, where such failure results from the Master
Servicer’s or the Securities Administrator’s inability or failure to receive, on
a timely basis, any information from any other party hereto needed to prepare,
arrange for execution or file such Form 10-K, not resulting from its own
negligence, bad faith or willful misconduct.
(D)
Each
Form 10-K shall include a certification (the “Xxxxxxxx-Xxxxx Certification”)
required to be included therewith pursuant to the Xxxxxxxx-Xxxxx Act which
shall
be signed by the Certifying Person and delivered to the Securities Administrator
no later than March 15th of each year in which the Trust is subject to the
reporting requirements of the Exchange Act. The Master Servicer shall cause
any
Servicer, subservicer or subcontractor engaged by it to provide to the Person
who signs the Xxxxxxxx-Xxxxx Certification (the “Certifying Person”), by March
10th of each year in which the Trust is subject to the reporting requirements
of
the Exchange Act and otherwise within a reasonable period of time upon request,
a certification (each, a “Back-Up Certification”), in the form attached hereto
as Exhibit L, upon which the Certifying Person, the entity for which the
Certifying Person acts as an officer, and such entity’s officers, directors and
Affiliates (collectively with the Certifying Person, “Certification Parties”)
can reasonably rely. An officer of the Master Servicer in charge of the master
servicing function shall serve as the Certifying Person on behalf of the Trust.
Such officer of the Certifying Person can be contacted as set forth in Section
12.07.
(iv)
With
respect to any Additional Form 10-D Disclosure, Additional Form 10-K Disclosure
or any Form 8-K Disclosure Information (collectively, the “Additional
Disclosure”) relating to the Trust Fund, the Securities Administrator’s
obligation to include such Additional Information in the applicable Exchange
Act
report is subject to receipt from the entity that is indicated in Exhibit N
as
the responsible party for providing that information, if other than the
Securities Administrator, as and when required as described in Section
3.18(a)(i) through (iv) above. Such Additional Disclosure shall be accompanied
by a notice substantially in the form of Exhibit O. Each of the Master Servicer,
the Seller, the Securities Administrator and the Depositor hereby agrees to
notify and provide to the extent known to the Master Servicer, the Seller,
the
Securities Administrator and the Depositor all Additional Disclosure relating
to
the Trust Fund, with respect to which such party is indicated in Exhibit N
as
the responsible party for providing that information. The Depositor shall be
responsible for any reasonable fees and expenses assessed or incurred by the
Securities Administrator in connection with including any Additional Disclosure
information pursuant to this Section.
So
long
as the Depositor is subject to the filing requirements of the Exchange Act
with
respect to the Trust Fund, the Trustee shall notify the Securities Administrator
and the Depositor of any bankruptcy or receivership with respect to the Trustee
or of any proceedings of the type described under Item 1117 of Regulation AB
that have occurred as of the related Due Period, together with a description
thereof, no later than the date on which such information is required of other
parties hereto as set forth under this Section 3.18. In addition, the Trustee
shall notify the Securities Administrator and the Depositor of any affiliations
or relationships that develop after the Closing Date between the Trustee and
the
Depositor, the Seller, the Securities Administrator, the Master Servicer or
the
Custodian of the type described under Item 1119 of Regulation AB, together
with
a description thereof, no later than the date on which such information is
required of other parties hereto as set forth under this Section 3.18. Should
the identification of any of the Depositor, the Seller, the Securities
Administrator, the Master Servicer or the Custodian change, the Depositor shall
promptly notify the Trustee in writing.
(v)
(A)
On or prior to January 30th of the first year in which the Securities
Administrator is able to do so under applicable law, the Securities
Administrator shall prepare and file a Form 15 relating to the automatic
suspension of reporting in respect of the Trust under the Exchange Act.
(B)
In
the event that the Securities Administrator is unable to timely file with the
Commission all or any required portion of any Form 8-K, 10-D or 10-K required
to
be filed by this Agreement because required disclosure information was either
not delivered to it or delivered to it after the delivery deadlines set forth
in
this Agreement or for any other reason, the Securities Administrator shall
promptly notify the Depositor and the Master Servicer. In the case of Form
10-D
and 10-K, the Depositor, the Master Servicer and the Securities Administrator
shall cooperate to prepare and file a Form 12b-25 and a 10-DA and 10-KA as
applicable, pursuant to Rule 12b-25 of the Exchange Act. In the case of Form
8-K, the Securities Administrator will, upon receipt of all required Form 8-K
Disclosure Information and upon the approval and direction of the Depositor,
include such disclosure information on the next Form 10-D. In the event that
any
previously filed Form 8-K, 10-D or 10-K needs to be amended, and such amendment
relates to any Additional Disclosure, the Securities Administrator shall notify
the Depositor and the parties affected thereby and such parties will cooperate
to prepare any necessary Form 8-K, 10-DA or 10-KA. Any Form 15, Form 12b-25
or
any amendment to Form 8-K, 10-D or 10-K shall be signed by an appropriate
officer of the Master Servicer. The parties hereto acknowledge that the
performance by the Master Servicer and the Securities Administrator of their
respective duties under this Section 3.18(a)(v) related to the timely
preparation, execution and filing of Form 15, a Form 12b-25 or any amendment
to
Form 8-K, 10-D or 10-K is contingent upon the Master Servicer and the Depositor
timely performing their duties under this Section. Neither the Master Servicer
nor the Securities Administrator shall have any liability for any loss, expense,
damage, claim arising out of or with respect to any failure to properly prepare,
execute and/or timely file any such Form 15, Form 12b-25 or any amendments
to
Form 8-K, 10-D or 10-K, where such failure results from the Master Servicer’s or
the Securities Administrator’s inability or failure to receive, on a timely
basis, any information from any other party hereto needed to prepare, arrange
for execution or file such Form 15, Form 12b-25 or any amendments to Form 8-K,
10-D or 10-K, not resulting from its own negligence, bad faith or willful
misconduct.
The
Depositor 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, the Mortgage Loans as the
Securities Administrator reasonably deems appropriate to prepare and file all
necessary reports with the Commission. The Securities Administrator shall have
no responsibility to file any items other than those specified in this Section
3.18; provided, however, the Securities Administrator shall cooperate with
the
Depositor in connection with any additional filings with respect to the Trust
Fund as the Depositor deems necessary under the Exchange Act. Fees and expenses
incurred by the Securities Administrator in connection with this Section 3.18
shall not be reimbursable from the Trust Fund.
(b) In
connection with the filing of any 10-K hereunder, in the case where the Master
Servicer and Securities Administrator are not affiliated, the Securities
Administrator shall sign a Back-Up Certification substantially in the form
of
Exhibit L; provided, however, that the Securities Administrator shall not be
required to undertake an analysis of any accountant’s report attached as an
exhibit to the Form 10-K.
(c) The
Securities Administrator shall indemnify and hold harmless the Depositor and
the
Master Servicer and each of its officers, directors and affiliates from and
against any losses, damages, penalties, fines, forfeitures, reasonable and
necessary legal fees and related costs, judgments and other costs and expenses
arising out of or based upon a breach of the Securities Administrator’s
obligations under Sections 3.16, 3.17 and 3.18 or the Securities Administrator’s
negligence, bad faith or willful misconduct in connection therewith. In
addition, the Securities Administrator shall indemnify and hold harmless the
Depositor and the Master Servicer and each of their respective officers,
directors and affiliates from and against any losses, damages, penalties, fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments
and other costs and expenses arising out of or based upon (i) any untrue
statement or alleged untrue statement of any material fact contained in any
Back-Up Certification, any Annual Statement of Compliance, any Assessment of
Compliance or any Additional Disclosure provided by the Securities Administrator
on its behalf or on behalf of any subservicer or subcontractor engaged by the
Securities Administrator pursuant to Section 3.16, 3.17 or 3.18 (the “Securities
Administrator Information”), or (ii) any omission or alleged omission to state
therein a material fact required to be stated therein or necessary to make
the
statements therein, in light of the circumstances in which they were made,
not
misleading; provided, by way of clarification, that this paragraph shall be
construed solely by reference to the Securities Administrator Information and
not to any other information communicated in connection with the Certificates,
without regard to whether the Securities Administrator Information or any
portion thereof is presented together with or separately from such other
information.
The
Depositor shall indemnify and hold harmless the Securities Administrator and
the
Master Servicer and each of its officers, directors and affiliates from and
against any losses, damages, penalties, fines, forfeitures, reasonable and
necessary legal fees and related costs, judgments and other costs and expenses
arising out of or based upon a breach of the obligations of the Depositor under
Sections 3.16, 3.17 and 3.18 or the Depositor’s negligence, bad faith or willful
misconduct in connection therewith. In addition, the Depositor shall indemnify
and hold harmless the Master Servicer, the Securities Administrator and each
of
their respective officers, directors and affiliates from and against any losses,
damages, penalties, fines, forfeitures, reasonable and necessary legal fees
and
related costs, judgments and other costs and expenses arising out of or based
upon (i) any untrue statement or alleged untrue statement of any material fact
contained in any Additional Disclosure provided by the Depositor that is
required to be filed pursuant to this Section 3.18 (the “Depositor
Information”), or (ii) any omission or alleged omission to state therein a
material fact required to be stated therein or necessary to make the statements
therein, in light of the circumstances in which they were made, not misleading;
provided, by way of clarification, that this paragraph shall be construed solely
by reference to the Depositor Information that is required to be filed and
not
to any other information communicated in connection with the Certificates,
without regard to whether the Depositor Information or any portion thereof
is
presented together with or separately from such other information.
The
Master Servicer shall indemnify and hold harmless the Securities Administrator
and the Depositor and each of its respective officers, directors and affiliates
from and against any losses, damages, penalties, fines, forfeitures, reasonable
and necessary legal fees and related costs, judgments and other costs and
expenses arising out of or based upon a breach of the obligations of the Master
Servicer under Sections 3.16, 3.17 and 3.18 or the Master Servicer’s negligence,
bad faith or willful misconduct in connection therewith. In addition, the Master
Servicer shall indemnify and hold harmless the Depositor and each of its
officers, directors and affiliates from and against any losses, damages,
penalties, fines, forfeitures, reasonable and necessary legal fees and related
costs, judgments and other costs and expenses arising out of or based upon
(i)
any untrue statement or alleged untrue statement of any material fact contained
in any Annual Statement of Compliance, any Assessment of Compliance or any
Additional Disclosure provided by the Master Servicer on its behalf or on behalf
of any subservicer or subcontractor engaged by the Master Servicer pursuant
to
Section 3.16, 3.17 or 3.18 (the “Master Servicer Information”), or (ii) any
omission or alleged omission to state therein a material fact required to be
stated therein or necessary to make the statements therein, in light of the
circumstances in which they were made, not misleading; provided, by way of
clarification, that this paragraph shall be construed solely by reference to
the
Master Servicer Information and not to any other information communicated in
connection with the Certificates, without regard to whether the Master Servicer
Information or any portion thereof is presented together with or separately
from
such other information.
If
the
indemnification provided for herein is unavailable or insufficient to hold
harmless the Depositor, the Securities Administrator or the Master Servicer,
as
applicable, then the defaulting party, in connection with any conduct for which
it is providing indemnification under this Section 3.18(c), agrees that it
shall
contribute to the amount paid or payable by the other parties as a result of
the
losses, claims, damages or liabilities of the other party in such proportion
as
is appropriate to reflect the relative fault and the relative benefit of the
respective parties.
The
indemnification provisions set forth in this Section 3.18(c) shall survive
the
termination of this Agreement or the termination of any party to this
Agreement.
(d) Failure
of the Master Servicer to comply with this Section 3.18 (including with respect
to the timeframes required herein) shall, upon written notice from the Trustee
at the written direction of the Depositor, constitute an Event of Default,
and
the Trustee shall, in addition to whatever rights the Trustee may have under
this Agreement and at law or equity or to damages, including injunctive relief
and specific performance, upon notice immediately terminate all of the rights
and obligations of the Master Servicer under this Agreement and in and to the
Mortgage Loans and the proceeds thereof without compensating the Master Servicer
for the same (but subject to the Master Servicer’s rights to payment of any
Master Servicing compensation and reimbursement of all amounts for which it
is
entitled to be reimbursed prior to the date of termination). Failure of the
Securities Administrator to comply with this Section 3.18 (including with
respect to the timeframes required in this Section) which failure results in
a
failure to timely file the related Form 10-K, shall, upon written notice from
the Trustee at the written direction of the Depositor, constitute a default
and
the Trustee at the written direction of the Depositor shall, in addition to
whatever rights the Trustee may have under this Agreement and at law or equity
or to damages, including injunctive relief and specific performance, upon notice
immediately terminate all of the rights and obligations of the Securities
Administrator under this Agreement and in and to the Mortgage Loans and the
proceeds thereof without compensating the Securities Administrator for the
same
(but subject to the Securities Administrator’s right to reimbursement of all
amounts for which it is entitled to be reimbursed prior to the date of
termination). This paragraph shall supersede any other provision in this
Agreement or any other agreement to the contrary. In connection with the
termination of the Master Servicer or the Securities Administrator pursuant
to
this Section 3.18(d), the Trustee shall be entitled to reimbursement of all
costs and expenses associated with such termination to the extent set forth
in
Section 9.05. Notwithstanding anything to the contrary in this Agreement, no
Event of Default by the Master Servicer or default by the Securities
Administrator shall have occurred with respect to any failure to properly
prepare, execute and/or timely file any report on Form 8-K, Form 10-D or Form
10-K, any Form 15 or Form 12b-25 or any amendments to Form 8-K, 10-D or 10-K,
where such failure results from the Master Servicer’s or the Securities
Administrator’s inability or failure to receive, on a timely basis, any
information from any other party hereto needed to prepare, arrange for execution
or file any such report, Form or amendment, and does not result from its own
negligence, bad faith or willful misconduct.
(e) Notwithstanding
the provisions of Section 12.02, this Section 3.18 may be amended without the
consent of the Certificateholders.
(f) Any
report, notice or notification to be delivered by the Master Servicer or the
Securities Administrator to the Depositor pursuant to this Section 3.18, may
be
delivered via email to XxxXXXxxxxxxxxxxxx@xxxx.xxx or, in the case of a
notification, telephonically by calling Reg AB Compliance Manager at
000-000-0000.
Section
3.19 UCC.
The
Depositor 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
Depositor. The Trustee agrees to monitor and notify the Depositor if
any continuation statements for such Uniform Commercial Code financing
statements need to be filed. If directed by the Depositor in writing, the
Trustee will file any such continuation statements solely at the expense of
the
Depositor. The Depositor shall file any financing statements or amendments
thereto required by any change in the Uniform Commercial Code.
Section
3.20 Optional
Purchase of Defaulted Mortgage Loans.
(a) With
respect to any Mortgage Loan which as of the first day of a Fiscal Quarter
is
delinquent in payment by 90 days or more or is an REO Property, EMC shall have
the right to purchase such Mortgage Loan from the Trust at a price equal to
the
Repurchase Price; provided however (i) that such Mortgage Loan is still 90
days
or more delinquent or is an REO Property as of the date of such purchase and
(ii) this purchase option, if not theretofore exercised, shall terminate on
the
date prior to the last day of the related Fiscal Quarter. This purchase option,
if not exercised, shall not be thereafter reinstated unless the delinquency
is
cured and the Mortgage Loan thereafter again becomes 90 days or more delinquent
or becomes an REO Property, in which case the option shall again become
exercisable as of the first day of the related Fiscal Quarter.
(b) If
at any
time EMC remits to the Master Servicer a payment for deposit in the Distribution
Account covering the amount of the Repurchase Price for such a Mortgage Loan,
and EMC provides to the Trustee a certification signed by a Servicing Officer
stating that the amount of such payment has been deposited in the Distribution
Account, then the Trustee shall execute the assignment of such Mortgage Loan
prepared and delivered to the Trustee, at the request of EMC, without recourse,
representation or warranty, to EMC which shall succeed to all of the Trustee’s
right, title and interest in and to such Mortgage Loan, and all security and
documents relative thereto. Such assignment shall be an assignment outright
and
not for security. EMC will thereupon own such Mortgage, and all such security
and documents, free of any further obligation to the Trustee or the
Certificateholders with respect thereto.
Section
3.21 Intention
of the Parties and Interpretation.
Each
of
the parties acknowledges and agrees that the purpose of Sections 3.16, 3.17
and
3.18 of this Agreement is to facilitate compliance by the Seller, the Depositor
and the Master Servicer with the provisions of Regulation AB. Therefore, each
of
the parties agrees that (a) the obligations of the parties hereunder shall
be
interpreted in such a manner as to accomplish that purpose, (b) the parties’
obligations hereunder will be supplemented and modified as necessary to be
consistent with any such amendments, interpretive advice or guidance, convention
or consensus among active participants in the asset-backed securities markets,
advice of counsel, or otherwise in respect of the requirements of Regulation
AB,
(c) the parties shall comply with reasonable requests made by the Seller, the
Depositor, the Master Servicer or the Securities Administrator for delivery
of
additional or different information as the Seller, the Depositor, the Master
Servicer or the Securities Administrator may determine in good faith is
necessary to comply with the provisions of Regulation AB, and (d) no amendment
of this Agreement shall be required to effect any such changes in the
obligations of the parties to this transaction as are necessary to accommodate
evolving interpretations of the provisions of Regulation AB.
ARTICLE
IV
ACCOUNTS
Section
4.01 Protected
Accounts.
(a) The
Master Servicer shall enforce the obligation of each 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 a 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 any 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 Distribution Account, and shall be held until required for such deposit.
The income earned from Permitted Investments made pursuant to this Section
4.01
shall be paid to the related 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 related Servicer. The related 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
IV, on or before each Servicer Remittance Date, the related Servicer shall
withdraw or shall cause to be withdrawn from its Protected Accounts and shall
immediately deposit or cause to be deposited in the Distribution 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 respect to each Loan Group:
(i) Scheduled
Payments on the Mortgage Loans received or any related portion thereof advanced
by such 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;
(ii) Full
Principal Prepayments and any Liquidation Proceeds received by such 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;
(iii) Partial
Principal Prepayments received by such Servicer for the Mortgage Loans in the
related Prepayment Period; and
(iv) Any
amount to be used as a Monthly Advance.
(d) Withdrawals
may be made from an Account only to make remittances as provided in Section
4.01(c), 4.04 and 4.05; to reimburse the Master Servicer or a 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 4.01(a) and 4.04 certain amounts otherwise due
to
the Servicers may be retained by them and need not be deposited in the
Distribution Account.
(e) In
the
event that the Master Servicer and Securities Administrator are no longer
affiliated, the Master Servicer shall establish and maintain an account separate
from the Distribution Account into which any funds remitted by the Servicers
will be deposited. No later than noon. New York time on the Business Day prior
to each Distribution Date, the Master Servicer shall remit any such funds to
the
Paying Agent for deposit in the Distribution Account. The Master Servicer shall
make the following permitted withdrawals and transfers from such
account:
(i) The
Master Servicer will, from time to time on demand of a Servicer or the
Securities Administrator, make or cause to be made such withdrawals or transfers
from the 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 account pursuant to Section 10.01
and remove amounts from time to time deposited in error.
(ii) On
an
ongoing basis, the Master Servicer shall withdraw from the account (i) any
expenses, costs and liabilities 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; provided, however, that the Master Servicer shall be obligated
to
pay from its own funds any amounts which it is required to pay under Section
7.03(a).
(iii) In
addition, on or before each Business Day prior to each Distribution Date, the
Master Servicer shall deposit in the Distribution Account (or remit to the
Trustee for deposit therein) any Monthly Advances required to be made by the
Master Servicer with respect to the Mortgage Loans.
(iv) No
later
than noon. New York time on each Business Day prior to each Distribution Date,
the Master Servicer will transfer all Available Funds on deposit in the account
with respect to the related Distribution Date to the Paying Agent for deposit
in
the Distribution Account.
Section
4.02 [Reserved].
Section
4.03 [Reserved].
Section
4.04 Distribution
Account.
(a) The
Paying Agent shall establish and maintain in the name of the Trustee, for the
benefit of the Certificateholders, the Distribution Account as a segregated
trust account or accounts. The Distribution Account shall be an Eligible
Account. The Master Servicer or Servicers, as the case may be, will remit to
the
Securities Administrator for deposit in the Distribution Account, the following
amounts:
(i) Any
amounts withdrawn from a Protected Account;
(ii) Any
Monthly Advance and any Compensating Interest Payments;
(iii) Any
Insurance Proceeds or Net Liquidation Proceeds received by or on behalf of
the
Master Servicer or which were not deposited in a Protected Account;
(iv) 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 by the Seller, the Repurchase Price with respect
to
any Mortgage Loans purchased by EMC pursuant to Section 3.20, and all proceeds
of any Mortgage Loans or property acquired with respect thereto repurchased
by
the Depositor or its designee pursuant to Section 10.01;
(v) Any
amounts required to be deposited with respect to losses on investments of
deposits in an Account; and
(vi) Any
other
amounts received by or on behalf of the Master Servicer and required to be
deposited in the Distribution Account pursuant to this Agreement.
(b) All
amounts deposited to the Distribution Account shall be held by the Securities
Administrator in the name of the Trustee in trust for the benefit of the
Certificateholders in accordance with the terms and provisions of this
Agreement. The requirements for crediting the Distribution 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 Subsections 4.05(a)(i), (ii), (iii), (iv), (vi), (vii), (viii),
(ix) and (x), need not be credited by the Master Servicer or the related
Servicer to the Distribution Account. In the event that the Master Servicer
shall deposit or cause to be deposited to the Distribution Account any amount
not required to be credited thereto, the Trustee, 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
Distribution Account shall constitute a trust account of the Trust Fund
segregated on the books of the Paying Agent and held by the Paying Agent in
trust in its Corporate Trust Office, and the Distribution Account and the funds
deposited therein shall not be subject to, and shall be protected from, all
claims, liens, and encumbrances of any creditors or depositors of the Paying
Agent or the Master Servicer (whether made directly, or indirectly through
a
liquidator or receiver of the Paying Agent or the Master Servicer). The
Distribution Account shall be an Eligible Account. The amount at any time
credited to the Distribution 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 Paying Agent, in such Permitted Investments as may be selected
by
the Master Servicer or deposited in demand deposits with such depository
institutions as may be selected by the Master Servicer, 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 for such Permitted Investment is the Paying Agent or, if such obligor
is
any other Person, the Business Day preceding such Distribution Date. All
investment earnings on amounts on deposit in the Distribution Account or benefit
from funds uninvested therein from time to time shall be for the account of
the
Master Servicer. The Master Servicer shall be permitted to receive distribution
of all investment earnings from the Distribution Account earned on funds on
deposit in the Distribution Account for a period not to exceed five Business
Days prior to each Distribution Date and the Depositor or its designee shall
be
entitled to any investment earnings from the Distribution Account for any
remaining days and shall instruct the Securities Administrator where to remit
such investment earnings from the Distribution Account. If there is any loss
on
a Permitted Investment or demand deposit, the Master Servicer shall remit the
amount of the related loss to the Paying Agent who shall deposit such amount
in
the Distribution Account. With respect to the Distribution 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 Paying Agent) as provided by 12 U.S.C. § 92a(e), and applicable
regulations pursuant thereto, if applicable, or any applicable comparable state
statute applicable to state chartered banking corporations.
Section
4.05 Permitted
Withdrawals and Transfers from the Distribution Account.
(a) The
Paying Agent will, from time to time on demand of the Master Servicer or the
Securities Administrator, make or cause to be made such withdrawals or transfers
from the Distribution Account as the Master Servicer has designated for such
transfer or withdrawal pursuant to this Agreement and the Servicing Agreements
or as the Securities Administrator has instructed hereunder for the following
purposes (limited in the case of amounts due the Master Servicer to those not
withdrawn from the Distribution Account in accordance with the terms of this
Agreement):
(i) to
reimburse the Master Servicer or any Servicer for any Monthly Advance of its
own
funds, the right of the Master Servicer or a 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;
(ii) to
reimburse the Master Servicer (i) any expenses, costs and liabilities
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; provided, however,
that the Master Servicer shall be obligated to pay from its own funds any
amounts which it is required to pay under Section 7.03(a);
(iii) to
reimburse the Master Servicer or any Servicer from Insurance Proceeds or
Liquidation Proceeds relating to a particular Mortgage Loan for amounts expended
by the Master Servicer or such 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;
(iv) to
reimburse the Master Servicer or any 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 such 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 (viii) of
this
Subsection 4.05 (a) to the Master Servicer; and (ii) such Liquidation Expenses
were not included in the computation of such Excess Liquidation
Proceeds;
(v) to
reimburse the Master Servicer or any 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 which such advances were made;
(vi) to
reimburse the Master Servicer or any 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);
(vii) to
pay
the Master Servicer as set forth in Section 3.14;
(viii) to
reimburse the Master Servicer for expenses, costs and liabilities incurred
by
and reimbursable to it pursuant to Sections 3.03 and 7.04(c) and
(d);
(ix) to
pay to
the Master Servicer, as additional servicing compensation, any Excess
Liquidation Proceeds to the extent not retained by the related
Servicer;
(x) to
reimburse or pay any 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;
(xi) 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;
(xii) to
remove
amounts deposited in error;
(xiii) to
pay
the Depositor all investment earnings to which it is entitled as set forth
in
Section 4.04(c); and
(xiv) to
clear
and terminate the Distribution Account pursuant to Section 10.01.
(b) The
Securities Administrator shall keep and maintain separate accounting, on a
Mortgage Loan by Mortgage Loan basis, for the purpose of accounting for any
reimbursement from the Distribution Account pursuant to subclauses (i) through
(iv), inclusive, and (vi) or with respect to any such amounts which would have
been covered by such subclauses had the amounts not been retained by the
Securities Administrator without being deposited in the Distribution Account
under Section 4.02(b).
(c) On
each
Distribution Date, the Paying Agent shall distribute the Available Funds to
the
extent on deposit in the Distribution Account for each Loan Group to the Holders
of the Certificates in accordance with distribution instructions provided to
it
by the Securities Administrator no later than two Business Days prior to such
Distribution Date and determined by the Securities Administrator in accordance
with Section 6.01.
ARTICLE
V
CERTIFICATES
Section
5.01 Certificates.
(a) The
Depository, the Depositor and the Securities Administrator have entered into
a
Depository Agreement dated as of the Closing Date (the “Depository Agreement”).
Except for the Residual Certificates, the Private Certificates and the
Individual Certificates and as provided in Subsection 5.01(b), the Certificates
shall at all times remain registered in the name of the Depository or its
nominee and at all times: (i) registration of such Certificates may not be
transferred by the Certificate Registrar except to a successor to the
Depository; (ii) ownership and transfers of registration of such Certificates
on
the books of the Depository shall be governed by applicable rules established
by
the Depository; (iii) the Depository may collect its usual and customary fees,
charges and expenses from its Depository Participants; (iv) the Certificate
Registrar shall deal with the Depository as representative of such Certificate
Owners of the respective Class of Certificates for purposes of exercising the
rights of Certificateholders under this Agreement, and requests and directions
for and votes of such representative shall not be deemed to be inconsistent
if
they are made with respect to different Certificate Owners; and (v) the
Certificate Registrar may rely and shall be fully protected in relying upon
information furnished by the Depository with respect to its Depository
Participants.
The
Residual Certificates and the Private Certificates are initially Physical
Certificates. If at any time the Holders of all of the Certificates of one
or
more such Classes request that the Certificate Registrar cause such Class to
become Global Certificates, the Certificate Registrar and the Depositor will
take such action as may be reasonably required to cause the Depository to accept
such Class or Classes for trading if it may legally be so traded.
All
transfers by Certificate Owners of such respective Classes of Book-Entry
Certificates and any Global Certificates shall be made in accordance with the
procedures established by the Depository Participant or brokerage firm
representing such Certificate Owners. Each Depository Participant shall only
transfer Book-Entry Certificates of Certificate Owners it represents or of
brokerage firms for which it acts as agent in accordance with the Depository’s
normal procedures.
(b) If
(i)(A)
the Depositor advises the Certificate Registrar in writing that the Depository
is no longer willing or able to properly discharge its responsibilities as
Depository and (B) the Certificate Registrar or the Depositor is unable to
locate a qualified successor within 30 days or (ii) the Depositor at its option
advises the Certificate Registrar in writing that it elects to terminate the
book-entry system through the Depository, the Certificate Registrar, as agent
of
the Depositor, shall request that the Depository notify all Certificate Owners
of the occurrence of any such event and of the availability of definitive,
fully
registered Certificates to Certificate Owners requesting the same. Upon
surrender to the Certificate Registrar, as agent of the Depositor, of the
Certificates by the Depository, accompanied by registration instructions from
the Depository for registration, the Certificate Registrar shall issue the
definitive Certificates. Neither the Depositor nor the Certificate Registrar
shall be liable for any delay in delivery of any instructions required under
this section and may conclusively rely on, and shall be protected in relying
on,
such instructions.
In
addition, if an Event of Default has occurred and is continuing, each
Certificate Owner materially adversely affected thereby may at its option
request a definitive Certificate evidencing such Certificate Owner’s Fractional
Undivided Interest in the related Class of Certificates. In order to make such
request, such Certificate Owner shall, subject to the rules and procedures
of
the Depository, provide the Depository or the related Depository Participant
with directions for the Certificate Registrar to exchange or cause the exchange
of the Certificate Owner’s interest in such Class of Certificates for an
equivalent Fractional Undivided Interest in fully registered definitive form.
Upon receipt by the Certificate Registrar of instructions from the Depository
directing the Certificate Registrar to effect such exchange (such instructions
to contain information regarding the Class of Certificates and the Current
Principal Amount being exchanged, the Depository Participant account to be
debited with the decrease, the registered holder of and delivery instructions
for the definitive Certificate, and any other information reasonably required
by
the Certificate Registrar), (i) the Certificate Registrar shall instruct the
Depository to reduce the related Depository Participant’s account by the
aggregate Current Principal Amount of the definitive Certificate, (ii) the
Certificate Registrar shall execute, authenticate and deliver, in accordance
with the registration and delivery instructions provided by the Depository,
a
definitive Certificate evidencing such Certificate Owner’s Fractional Undivided
Interest in such Class of Certificates and (iii) the Certificate Registrar
shall
execute and authenticate a new Book-Entry Certificate reflecting the reduction
in the Current Principal Amount of such Class of Certificates by the amount
of
the definitive Certificates.
(c) (i) REMIC
I
will be evidenced by (x) the REMIC I Regular Interests, which will be
uncertificated and non-transferable and are hereby designated as the “regular
interests” in REMIC I and have the initial principal amounts and (other than
REMIC I Regular Interest R-II/R-III) accrue interest at the Pass-Through Rates
equal to those set forth in this Section 5.01(c)(i) and (y) the Class R-I
Certificates, which are hereby designated as representing the sole class of
“residual interests” in REMIC I.
The
REMIC
I Regular Interests and the Class R-I Certificate will have the following
designations, initial principal amounts and Pass-Through Rates:
|
REMIC
I Interest
|
Initial
Principal Amount
|
Pass-Through
Rate
|
Related
Loan Group
|
|||||||
|
I-Sub
|
$
|
257.47
|
(1)
|
|
Loan
Group I
|
|||||
|
I-Grp
|
$
|
5,719.47
|
(2)
|
|
Loan
Group I
|
|||||
|
II-Sub
|
$
|
2,751.77
|
(1)
|
|
Loan
Group II
|
|||||
|
II-Grp
|
$
|
61,149.97
|
(3)
|
|
Loan
Group II
|
|||||
|
III-Sub
|
$
|
975.05
|
(1)
|
|
Loan
Group III
|
|||||
|
III-Grp
|
$
|
21,665.85
|
(4)
|
|
Loan
Group III
|
|||||
|
IV-Sub
|
$
|
1,357.09
|
(1)
|
|
Loan
Group IV
|
|||||
|
IV-Grp
|
$
|
30,157.39
|
(5)
|
|
Loan
Group IV
|
|||||
|
R-II/R-III
|
$
|
100.00
|
0.00%
|
|
N/A
|
|||||
|
ZZZ
|
$
|
1,186,802,901.66
|
(1)
|
|
Loan
Group I through Loan Group IV
|
|||||
|
Class
R-I
|
$
|
50.00
|
0.00%
|
|
N/A
|
|||||
(1) The
weighted average of the Net Rates of the Mortgage Loans, weighted on the basis
of the respective Scheduled Principal Balances of each such Mortgage Loan as
of
the beginning of the Due Period immediately preceding the related Distribution
Date.
(2) The
weighted average of the Net Rates of the Group I Mortgage Loans, weighted on
the
basis of the respective Scheduled Principal Balances of each such Mortgage
Loan
as of the beginning of the Due Period immediately preceding the related
Distribution Date.
(3) The
weighted average of the Net Rates of the Group II Mortgage Loans, weighted
on
the basis of the respective Scheduled Principal Balances of each such Mortgage
Loan as of the beginning of the Due Period immediately preceding the related
Distribution Date.
(4) The
weighted average of the Net Rates of the Group III Mortgage Loans, weighted
on
the basis of the respective Scheduled Principal Balances of each such Mortgage
Loan as of the beginning of the Due Period immediately preceding the related
Distribution Date.
(5) The
weighted average of the Net Rates of the Group IV Mortgage Loans, weighted
on
the basis of the respective Scheduled Principal Balances of each such Mortgage
Loan as of the beginning of the Due Period immediately preceding the related
Distribution Date.
Interest
shall be payable to the REMIC I Regular Interests at the applicable Pass-Through
Rates on the related Uncertificated Principal Balances. On the Distribution
Date
in June 2006, REMIC I Regular Interest R-II/R-III will be paid $100 in reduction
of its Uncertificated Principal Balance from the Class R-II Deposit and the
Class R-III Deposit held in the Distribution Account. Distributions of principal
shall be deemed to be made from amounts received on the Mortgage Loans to the
REMIC I Regular Interests (other than REMIC I Regular Interest R-II/R-III),
first, so as to keep the Uncertificated Principal Balance of each REMIC I
Regular Interest ending with the designation “Grp” equal to 0.01% of the
aggregate Scheduled Principal Balance of the Mortgage Loans in the related
Loan
Group; second, to each REMIC I Regular Interest ending with the designation
“Sub,” so that the Uncertificated Principal Balance of each such REMIC I Regular
Interest is equal to 0.01% of the excess of (x) the aggregate Scheduled
Principal Balance of the Mortgage Loans in the related Loan Group over (y)
the
aggregate Current Principal Amount of the Senior Certificates in the related
Certificate Group (except that if any such excess is a larger number than in
the
preceding distribution period, the least amount of principal shall be
distributed to such REMIC I Regular Interests such that the REMIC I Subordinated
Balance Ratio is maintained); and third, any remaining principal to REMIC I
Regular Interest ZZZ. Realized Losses on the Mortgage Loans shall be applied
after all distributions have been made on each Distribution Date, first, so
as
to keep the Uncertificated Principal Balance of each REMIC I Regular Interest
ending with the designation “Grp” equal to 0.01% of the aggregate Scheduled
Principal Balance of the Mortgage Loans in the related Loan Group; second,
to
each REMIC I Regular Interest ending with the designation “Sub,” so that the
Uncertificated Principal Balance of each such REMIC I Regular Interest is equal
to 0.01% of the excess of (x) the aggregate Scheduled Principal Balance of
the
Mortgage Loans in the related Loan Group over (y) the Current Principal Amount
of the Senior Certificates in the related Certificate Group (except that if
any
such excess is a larger number than in the preceding distribution period, the
least amount of Realized Losses shall be applied to such REMIC I Regular
Interests such that the REMIC I Subordinated Balance Ratio is maintained);
and
third, any remaining Realized Losses on the Mortgage Loans shall be allocated
to
REMIC I Regular Interest ZZZ.
The
aggregate amount of any Net Interest Shortfalls and interest portion of Realized
Losses for any Distribution Date shall be allocated to accrued interest payable
to the REMIC I Regular Interests (other than REMIC I Regular Interest
R-II/R-III), pro
rata,
based
on, and to the extent of, one month’s interest at the then applicable respective
Pass-Through Rates on the respective Uncertificated Principal Balances of each
such REMIC I Regular Interest.
(ii) REMIC
II
will be evidenced by (x) the REMIC II Regular Interests, which will be
uncertificated and non-transferable and are hereby designated as the “regular
interests” in REMIC II and have the initial principal amounts and (other than
REMIC II Regular Interest R-III) accrue interest at the Pass-Through Rates
equal
to those set forth in this Section 5.01(c)(ii) and (y) the Class R-II
Certificates, which are hereby designated as representing the sole class of
“residual interests” in REMIC II.
The
REMIC
II Regular Interests and the Class R-II Certificate will have the following
designations, initial principal amounts and Pass Through Rates:
|
Designation
|
Initial
Principal Amount
|
Pass-Through
Rate
|
|||||
|
I-A-1
|
$
|
52,046,000.00
|
(1)
|
|
|||
|
I-A-2
|
$
|
2,574,000.00
|
(1)
|
|
|||
|
II-A-1
|
$
|
556,464,000.00
|
(2)
|
|
|||
|
II-A-2
|
$
|
27,518,000.00
|
(2)
|
|
|||
|
III-A-1
|
$
|
75,000,000.00
|
(3)
|
|
|||
|
III-A-2
|
$
|
122,158,000.00
|
(3)
|
|
|||
|
III-A-3
|
$
|
9,750,000.00
|
(3)
|
|
|||
|
IV-A-1
|
$
|
274,432,000.00
|
(4)
|
|
|||
|
IV-A-2
|
$
|
13,571,000.00
|
(4)
|
|
|||
|
Class
R-II
|
$
|
50.00
|
0.00%
|
|
|||
|
R-III
|
$
|
50.00
|
0.00%
|
|
|||
|
B-1
|
$
|
30,266,000.00
|
(5)
|
|
|||
|
B-2
|
$
|
8,309,000.00
|
(5)
|
|
|||
|
B-3
|
$
|
5,341,000.00
|
(5)
|
|
|||
|
B-4
|
$
|
3,561,000.00
|
(5)
|
|
|||
|
B-5
|
$
|
2,967,000.00
|
(5)
|
|
|||
|
B-6
|
$
|
2,969,935.75
|
(5)
|
|
|||
(1) A
variable Pass-Through Rate equal to the weighted average of the Pass-Through
Rate on REMIC I Regular Interest I-Grp, weighted on the basis of the
Uncertificated Principal Balance of such REMIC I Regular Interest immediately
preceding the related Distribution Date.
(2) A
variable Pass-Through Rate equal to the weighted average of the Pass-Through
Rate on REMIC I Regular Interest II-Grp, weighted on the basis of the
Uncertificated Principal Balance of such REMIC I Regular Interest immediately
preceding the related Distribution Date.
(3) A
variable Pass-Through Rate equal to the weighted average of the Pass-Through
Rate on REMIC I Regular Interest III-Grp, weighted on the basis of the
Uncertificated Principal Balance of such REMIC I Regular Interest immediately
preceding the related Distribution Date.
(4) A
variable Pass-Through Rate equal to the weighted average of the Pass-Through
Rate on REMIC I Regular Interest IV-Grp, weighted on the basis of the
Uncertificated Principal Balance of such REMIC I Regular Interest immediately
preceding the related Distribution Date.
(5) A
variable Pass-Through Rate equal to the weighted average of the Pass-Through
Rates on REMIC I Regular Interests I-Sub, II-Sub, III-Sub and IV-Sub, weighted
on the basis of the Uncertificated Principal Balances of each such REMIC I
Regular Interest immediately preceding the related Distribution Date, provided
that for purposes of calculating such weighted average, the Pass-Through Rate
of
each such REMIC I Regular Interest shall be subject to a cap and a floor equal
to the Pass-Through Rate of the REMIC I Regular Interest from the related Loan
Group ending with the designation “Grp”.
Principal
shall be payable to, and shortfalls, losses and prepayments are allocable to,
the REMIC II Regular Interests as such amounts are payable and allocable to
the
Corresponding Certificates; provided that, solely for purposes of the foregoing,
any shortfalls or losses allocable to the Class II-X Certificates and the Class
III-X Certificates shall be deemed to be allocated entirely to the Class II-A-1
Certificates and the Class III-A-2 Certificates, respectively. Interest shall
be
payable to the REMIC II Regular Interests at the Pass-Through Rate for each
such
REMIC II Regular Interest on each such REMIC II Regular Interest’s
Uncertificated Principal Balance.
(iii) The
Classes of the Certificates shall have the following designations, initial
principal amounts and Pass-Through Rates:
|
Designation
|
Initial
Principal Amount
|
Pass-Through
Rate
|
|||||
|
I-A-1
|
$
|
52,046,000.00
|
(1)
|
|
|||
|
I-A-2
|
$
|
2,574,000.00
|
(1)
|
|
|||
|
II-A-1
|
$
|
556,464,000.00
|
(2)
|
|
|||
|
II-X
|
(3
|
)
|
(4)
|
|
|||
|
II-A-2
|
$
|
27,518,000.00
|
(5)
|
|
|||
|
III-A-1
|
$
|
75,000,000.00
|
(6)
|
|
|||
|
III-A-2
|
$
|
122,158,000.00
|
(7)
|
|
|||
|
III-X
|
(3
|
)
|
(8)
|
|
|||
|
III-A-3
|
$
|
9,750,000.00
|
(6)
|
|
|||
|
IV-A-1
|
$
|
274,432,000.00
|
(9)
|
|
|||
|
IV-A-2
|
$
|
13,571,000.00
|
(9)
|
|
|||
|
R-I
|
$
|
50.00
|
(10)
|
|
|||
|
R-II
|
$
|
50.00
|
(10)
|
|
|||
|
R-III
|
$
|
50.00
|
(10)
|
|
|||
|
B-1
|
$
|
30,266,000.00
|
(11)
|
|
|||
|
B-2
|
$
|
8,309,000.00
|
(11)
|
|
|||
|
B-3
|
$
|
5,341,000.00
|
(11)
|
|
|||
|
B-4
|
$
|
3,561,000.00
|
(11)
|
|
|||
|
B-5
|
$
|
2,967,000.00
|
(11)
|
|
|||
|
B-6
|
$
|
2,969,935.75
|
(11)
|
|
|||
(1) The
Class
I-A-1 Certificates and Class I-A-2 Certificates will bear interest at a variable
Pass-Through Rate equal to the weighted average of the Net Rates of the Group
I
Mortgage Loans, weighted on the basis of the respective Scheduled Principal
Balances of each such Mortgage Loan as of the beginning of the Due Period
immediately preceding the related Distribution Date; provided that, for federal
income tax purposes the Class I-A-1 Certificates and Class I-A-2 Certificates
will bear interest at a rate equivalent to the foregoing, expressed as the
weighted average of the Pass-Through Rates on REMIC II Regular Interests I-A-1
and I-A-2, weighted on the basis of the Uncertificated Principal Balances of
each such REMIC II Regular Interest immediately preceding the related
Distribution Date. The Pass-Through Rate for the Class I-A-1 Certificates and
Class I-A-2 Certificates with respect to the first Interest Accrual Period
is
6.026% per annum.
(2) On
or
prior to the Distribution Date in March 2011, the Class II-A-1 Certificates
will
bear interest at a fixed pass-through rate equal to approximately 5.650% per
annum, subject to an interest rate cap equal to the weighted average of the
Net
Rates of the Group II Mortgage Loans. After the Distribution Date in March
2011,
the Class II-A-1 Certificates will bear interest at a variable Pass-Through
Rate
equal to the weighted average of the Net Rates of the Group II Mortgage Loans,
weighted on the basis of the respective Scheduled Principal Balances of each
such Mortgage Loan as of the beginning of the Due Period immediately preceding
the related Distribution Date; provided that, for federal income tax purposes
the Class II-A-1 Certificates will bear interest at a rate equivalent to the
foregoing, calculated using the weighted average of the Pass-Through Rate on
REMIC II Regular Interest II-A-1, weighted on the basis of the Uncertificated
Principal Balance of such REMIC II Regular Interest immediately preceding the
related Distribution Date, in place of the weighted average of the Net Rates
of
the Group II Mortgage Loans. The Pass-Through Rate for the Class II-A-1
Certificates with respect to the first Interest Accrual Period is 5.650% per
annum.
(3) As
described in the definition of Notional Amount herein.
(4) On
or
prior to the Distribution Date in March 2011, the Class II-X Certificates will
bear interest at a variable Pass-Through Rate equal to the excess, if any,
of
(a) the weighted average of the Net Rates of the Group II Mortgage Loans,
weighted on the basis of the respective Scheduled Principal Balances of each
such Mortgage Loan as of the beginning of the Due Period immediately preceding
the related Distribution Date, over (b) the Pass-Through Rate of the Class
II-A-1 Certificates. After the Distribution Date in March 2011, the Class II-X
Certificates will not bear any interest. For federal income tax purposes, the
Class II-X Certificates will bear interest at a rate equivalent to the
foregoing, expressed as the excess, if any, of (i) the weighted average of
the
Pass-Through Rate on REMIC II Regular Interest II-A-1, weighted on the basis
of
the Uncertificated Principal Balance of such REMIC II Regular Interest
immediately preceding the related Distribution Date, over (ii) the weighted
average of the Pass-Through Rate on the Class II-A-1 Certificates, weighted
on
the basis of the Current Principal Amount of such Certificates immediately
preceding the related Distribution Date. The Pass-Through Rate for the Class
II-X Certificates with respect to the first Interest Accrual Period is 0.242%
per annum.
(5) The
Class
II-A-2 Certificates will bear interest at a variable Pass-Through Rate equal
to
the weighted average of the Net Rates of the Group II Mortgage Loans, weighted
on the basis of the respective Scheduled Principal Balances of each such
Mortgage Loan as of the beginning of the Due Period immediately preceding the
related Distribution Date; provided that, for federal income tax purposes the
Class II-A-2 Certificates will bear interest at a rate equivalent to the
foregoing, expressed as the weighted average of the Pass-Through Rate on REMIC
II Regular Interest II-A-2, weighted on the basis of the Uncertificated
Principal Balance of such REMIC II Regular Interest immediately preceding the
related Distribution Date. The Pass-Through Rate with respect to the first
Interest Accrual Period is 5.892% per annum.
(6) The
Class
III-A-1 Certificates and Class III-A-3 Certificates will bear interest at a
variable Pass-Through Rate equal to the weighted average of the Net Rates of
the
Group III Mortgage Loans, weighted on the basis of the respective Scheduled
Principal Balances of each such Mortgage Loan as of the beginning of the Due
Period immediately preceding the related Distribution Date; provided that,
for
federal income tax purposes the Class III-A-1 Certificates and Class III-A-2
Certificates will bear interest at a rate equivalent to the foregoing, expressed
as the weighted average of the Pass-Through Rate on REMIC Regular Interests
III-A-1 and III-A-3, weighted on the basis of the Uncertificated Principal
Balances of each such REMIC II Regular Interest immediately preceding the
related Distribution Date. The Pass-Through Rate with respect to the first
Interest Accrual Period is 6.060% per annum.
(7) On
or
prior to the Distribution Date in April 2013, the Class III-A-2 Certificates
will bear interest at a fixed pass-through rate equal to approximately 5.750%
per annum, subject to an interest rate cap equal to the weighted average of
the
Net Rates of the Group III Mortgage Loans. After the Distribution Date in April
2013, the Class III-A-2 Certificates will bear interest at a variable
Pass-Through Rate equal to the weighted average of the Net Rates of the Group
III Mortgage Loans, weighted on the basis of the respective Scheduled Principal
Balances of each such Mortgage Loan as of the beginning of the Due Period
immediately preceding the related Distribution Date; provided that, for federal
income tax purposes the Class III-A-2 Certificates will bear interest at a
rate
equivalent to the foregoing, calculated using the weighted average of the
Pass-Through Rate on REMIC II Regular Interest III-A-2, weighted on the basis
of
the Uncertificated Principal Balance of such REMIC II Regular Interest
immediately preceding the related Distribution Date, in place of the weighted
average of the Net Rates of the Group III Mortgage Loans. The Pass-Through
Rate
for the Class III-A-2 Certificates with respect to the first Interest Accrual
Period is 5.750% per annum.
(8) On
or
prior to the Distribution Date in April 2013, the Class III-X Certificates
will
bear interest at a variable Pass-Through Rate equal to the excess, if any,
of
(a) the weighted average of the Net Rates of the Group III Mortgage Loans,
weighted on the basis of the respective Scheduled Principal Balances of each
such Mortgage Loan as of the beginning of the Due Period immediately preceding
the related Distribution Date, over (b) the Pass-Through Rate of the Class
III-A-2 Certificates. After the Distribution Date in April 2013, the Class
III-X
Certificates will not bear any interest. For federal income tax purposes, the
Class III-X Certificates will bear interest at a rate equivalent to the
foregoing, expressed as the excess, if any, of (i) the weighted average of
the
Pass-Through Rate on REMIC II Regular Interest III-A-2, weighted on the basis
of
the Uncertificated Principal Balance of such REMIC III Regular Interest
immediately preceding the related Distribution Date, over (ii) the weighted
average of the Pass-Through Rate on the Class III-A-2 Certificates, weighted
on
the basis of the Current Principal Amount of such Certificates immediately
preceding the related Distribution Date. The Pass-Through Rate with respect
to
the first Interest Accrual Period is 0.310% per annum.
(9) The
Class
IV-A-1 Certificates and Class IV-A-2 Certificates will bear interest at a
variable Pass-Through Rate equal to the weighted average of the Net Rates of
the
Group IV Mortgage Loans, weighted on the basis of the respective Scheduled
Principal Balances of each such Mortgage Loan as of the beginning of the Due
Period immediately preceding the related Distribution Date; provided that,
for
federal income tax purposes the Class IV-A-1 Certificates and Class IV-A-2
Certificates will bear interest at a rate equivalent to the foregoing, expressed
as the weighted average of the Pass-Through Rate on REMIC II Regular Interests
IV-A-1 and IV-A-2, weighted on the basis of the Uncertificated Principal
Balances of each such REMIC II Regular Interest immediately preceding the
related Distribution Date. The Pass-Through Rate with respect to the first
Interest Accrual Period is 6.056% per annum.
(10) The
Class
R-I, Class R-II and Class R-III Certificates will not bear
interest.
(11) The
Class
B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates
will
each bear interest at a variable Pass-Through Rate equal to the weighted average
of the weighted average of the Net Rates of the Mortgage Loans in each Loan
Group, weighted in proportion to the results of subtracting from the aggregate
Scheduled Principal Balance of the Mortgage Loans of each Loan Group, the
aggregate Current Principal Amount of the related Class or Classes of Senior
Certificates; provided that, for federal income tax purposes such Certificates
will bear interest at a rate equivalent to the foregoing, expressed as the
weighted average of the Pass-Through Rates on REMIC II Regular Interests X-0,
X-0, X-0, X-0, B-5 and B-6, weighted on the basis of the Uncertificated
Principal Balance of each such REMIC II Regular Interest immediately preceding
the related Distribution Date. The Pass-Through Rate with respect to the first
Interest Accrual Period is 5.970% per annum.
(d) For
purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the
Distribution Date immediately following the maturity date for the Mortgage
Loan
with the latest maturity date in the Trust Fund has been designated as the
“latest possible maturity date” for the REMIC I Regular Interests, the REMIC II
Regular Interests and the Certificates (other than the Class R
Certificates).
(e) With
respect to each Distribution Date, each Class of Certificates shall accrue
interest during the related Interest Accrual Period. With respect to each
Distribution Date and each such Class of Certificates, interest shall be
calculated, on the basis of a 360-day year comprised of twelve 30-day months,
based upon the respective Pass-Through Rate set forth, or determined as
provided, above and the Current Principal Amount (or Notional Amount in the
case
of the Interest Only Certificates) of such Class applicable to such Distribution
Date.
(f) The
Certificates shall be substantially in the forms set forth in Exhibits X-0,
X-0
and A-3. On original issuance, the Certificate Registrar shall sign, countersign
and shall deliver them at the direction of the Depositor. Pending the
preparation of definitive Certificates of any Class, the Certificate Registrar
may sign and countersign temporary Certificates that are printed, lithographed
or typewritten, in authorized denominations for Certificates of such Class,
substantially of the tenor of the definitive Certificates in lieu of which
they
are issued and with such appropriate insertions, omissions, substitutions and
other variations as the officers or authorized signatories executing such
Certificates may determine, as evidenced by their execution of such
Certificates. If temporary Certificates are issued, the Depositor will cause
definitive Certificates to be prepared without unreasonable delay. After the
preparation of definitive Certificates, the temporary Certificates shall be
exchangeable for definitive Certificates upon surrender of the temporary
Certificates at the office of the Certificate Registrar, without charge to
the
Holder. Upon surrender for cancellation of any one or more temporary
Certificates, the Certificate Registrar shall sign and countersign and deliver
in exchange therefor a like aggregate principal amount, in authorized
denominations for such Class, of definitive Certificates of the same Class.
Until so exchanged, such temporary Certificates shall in all respects be
entitled to the same benefits as definitive Certificates.
(g) Each
Class of Book-Entry Certificates will be registered as a single Certificate
of
such Class held by a nominee of the Depository or the DTC Custodian, and
beneficial interests will be held by investors through the book-entry facilities
of the Depository in minimum denominations of, in the case of the Offered
Certificates (other than the Residual Certificates), $100,000 and in each case
increments of $1.00 in excess thereof, except that one Certificate of each
such
Class may be issued in a different amount so that the sum of the denominations
of all outstanding Certificates of such Class shall equal the Current Principal
Amount of such Class on the Closing Date. On the Closing Date, the Certificate
Registrar shall execute and countersign Physical Certificates all in an
aggregate principal amount that shall equal the Current Principal Amount of
such
Class on the Closing Date. The Private Certificates shall be issued in
certificated fully-registered form in minimum dollar denominations of $100,000
and integral multiples of $1.00 in excess thereof, except that one Private
Certificate of each Class may be issued in a different amount so that the sum
of
the denominations of all outstanding Private Certificates of such Class shall
equal the Current Principal Amount of such Class on the Closing Date. The
Residual Certificates shall each be issued in certificated fully-registered
form, each, in the denomination of $50. Each Class of Global Certificates,
if
any, shall be issued in fully registered form in minimum dollar denominations
of
$100,000 and integral multiples of $1.00 in excess thereof, except that one
Certificate of each Class may be in a different denomination so that the sum
of
the denominations of all outstanding Certificates of such Class shall equal
the
Current Principal Amount of such Class on the Closing Date. On the Closing
Date,
the Certificate Registrar shall execute and countersign (i) in the case of
each
Class of Offered Certificates, the Certificate in the entire Current Principal
Amount of the respective Class and (ii) in the case of each Class of Private
Certificates, Individual Certificates all in an aggregate principal amount
that
shall equal the Current Principal Amount of each such respective Class on the
Closing Date. The Certificates referred to in clause (i) and if at any time
there are to be Global Certificates, the Global Certificates shall be delivered
by the Depositor to the Depository or pursuant to the Depository’s instructions,
shall be delivered by the Depositor on behalf of the Depository to and deposited
with the DTC Custodian. The Certificate Registrar shall sign the Certificates
by
facsimile or manual signature and countersign them by manual signature on behalf
of the Trustee by one or more authorized signatories, each of whom shall be
Responsible Officers of the Certificate Registrar or its agent. A Certificate
bearing the manual and facsimile signatures of individuals who were the
authorized signatories of the Certificate Registrar or its agent at the time
of
issuance shall bind the Certificate Registrar, notwithstanding that such
individuals or any of them have ceased to hold such positions prior to the
delivery of such Certificate.
(h) No
Certificate shall be entitled to any benefit under this Agreement, or be valid
for any purpose, unless there appears on such Certificate the manually executed
countersignature of the Certificate Registrar or its agent, and such
countersignature upon any Certificate shall be conclusive evidence, and the
only
evidence, that such Certificate has been duly executed and delivered hereunder.
All Certificates issued on the Closing Date shall be dated the Closing Date.
All
Certificates issued thereafter shall be dated the date of their
countersignature.
(i) The
Closing Date is hereby designated as the “startup” day of each REMIC within the
meaning of Section 860G(a)(9) of the Code.
(j) For
federal income tax purposes, each REMIC shall have a tax year that is a calendar
year and shall report income on an accrual basis.
(k) The
Trustee on behalf of the Trust shall cause each REMIC to timely elect to be
treated as a REMIC under Section 860D of the Code. Any inconsistencies or
ambiguities in this Agreement or in the administration of any Trust established
hereby shall be resolved in a manner that preserves the validity of such
elections.
(l) The
following legend shall be placed on the Residual Certificates, whether upon
original issuance or upon issuance of any other Certificate of any such Class
in
exchange therefor or upon transfer thereof:
THIS
CERTIFICATE MAY NOT BE ACQUIRED DIRECTLY OR INDIRECTLY BY, OR ON BEHALF OF,
AN
EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT WHICH IS SUBJECT TO TITLE
I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION
4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED, UNLESS THE PROPOSED
TRANSFEREE PROVIDES THE CERTIFICATE REGISTRAR WITH AN OPINION OF COUNSEL
ADDRESSED TO THE DEPOSITOR, TRUSTEE, CERTIFICATE REGISTRAR, MASTER SERVICER
AND
SECURITIES ADMINISTRATOR AND ON WHICH THEY MAY RELY THAT IS SATISFACTORY TO
THE
CERTIFICATE REGISTRAR THAT THE PURCHASE OF CERTIFICATES ON BEHALF OF SUCH PERSON
WILL NOT RESULT IN OR CONSTITUTE A NONEXEMPT PROHIBITED TRANSACTION, IS
PERMISSIBLE UNDER APPLICABLE LAW AND WILL NOT GIVE RISE TO ANY ADDITIONAL
OBLIGATIONS ON THE PART OF THE DEPOSITOR, THE MASTER SERVICER, THE SECURITIES
ADMINISTRATOR, CERTIFICATE REGISTRAR OR THE TRUSTEE.
The
following legend shall be placed upon the Private Certificates, whether upon
original issuance or upon issuance of any other Certificate of any such Class
in
exchange therefor or upon transfer thereof:
THIS
CERTIFICATE MAY NOT BE ACQUIRED DIRECTLY OR INDIRECTLY BY, OR ON BEHALF OF,
AN
EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT WHICH IS SUBJECT TO TITLE
I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION
4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED, UNLESS THE TRANSFEREE
CERTIFIES OR REPRESENTS THAT THE PROPOSED TRANSFER AND HOLDING OF A CERTIFICATE
AND THE SERVICING, MANAGEMENT AND OPERATION OF THE TRUST AND ITS ASSETS: (I)
WILL NOT RESULT IN ANY PROHIBITED TRANSACTION WHICH IS NOT COVERED UNDER AN
INDIVIDUAL OR CLASS PROHIBITED TRANSACTION EXEMPTION, INCLUDING, BUT NOT LIMITED
TO, PROHIBITED TRANSACTION EXEMPTION (“PTE”) 84-14, XXX 00-00, XXX 00-0, XXX
95-60 OR PTE 96-23 AND (II) WILL NOT GIVE RISE TO ANY ADDITIONAL OBLIGATIONS
ON
THE PART OF THE DEPOSITOR, THE SECURITIES ADMINISTRATOR, THE CERTIFICATE
REGISTRAR, THE MASTER SERVICER OR THE TRUSTEE, WHICH WILL BE DEEMED REPRESENTED
BY AN OWNER OF A BOOK-ENTRY CERTIFICATE OR A GLOBAL CERTIFICATE OR UNLESS THE
OPINION SPECIFIED IN SECTION 5.07 OF THE AGREEMENT IS PROVIDED.
Section
5.02 Registration
of Transfer and Exchange of Certificates.
(a) The
Certificate Registrar shall maintain at its Corporate Trust Office a Certificate
Register in which, subject to such reasonable regulations as it may prescribe,
the Certificate Registrar shall provide for the registration of Certificates
and
of transfers and exchanges of Certificates as herein provided.
(b) Subject
to Subsection 5.01(a) and, in the case of any Global Certificate or Physical
Certificate upon the satisfaction of the conditions set forth below, upon
surrender for registration of transfer of any Certificate at any office or
agency of the Certificate Registrar maintained for such purpose, the Certificate
Registrar shall sign, countersign and shall deliver, in the name of the
designated transferee or transferees, a new Certificate of a like Class and
aggregate Fractional Undivided Interest, but bearing a different
number.
(c) By
acceptance of an Individual Certificate, whether upon original issuance or
subsequent transfer, each holder of such a Certificate acknowledges the
restrictions on the transfer of such Certificate set forth in the Securities
Legend and agrees that it will transfer such a Certificate only as provided
herein. In addition to the provisions of Subsection 5.02(h), the following
restrictions shall apply with respect to the transfer and registration of
transfer of an Individual Certificate to a transferee that takes delivery in
the
form of an Individual Certificate:
(i) The
Certificate Registrar shall register the transfer of an Individual Certificate
if the requested transfer is being made to a transferee who has provided the
Certificate Registrar with a Rule 144A Certificate or comparable evidence as
to
its QIB status.
(ii) The
Certificate Registrar shall register the transfer of any Individual Certificate
if (x) the transferor has advised the Certificate Registrar in writing that
the
Certificate is being transferred to an Institutional Accredited Investor; and
(y) prior to the transfer the transferee furnishes to the Certificate Registrar
an Investment Letter (and the Certificate Registrar shall be fully protected
in
so doing), provided that, if based upon an Opinion of Counsel addressed to
the
Certificate Registrar to the effect that the delivery of (x) and (y) above
are
not sufficient to confirm that the proposed transfer is being made pursuant
to
an exemption from, or in a transaction not subject to, the registration
requirements of the Securities Act and other applicable laws, the Certificate
Registrar shall as a condition of the registration of any such transfer require
the transferor to furnish such other certifications, legal opinions or other
information prior to registering the transfer of an Individual Certificate
as
shall be set forth in such Opinion of Counsel.
(d) Subject
to Subsection 5.02(h), so long as a Global Certificate of such Class is
outstanding and is held by or on behalf of the Depository, transfers of
beneficial interests in such Global Certificate, or transfers by holders of
Individual Certificates of such Class to transferees that take delivery in
the
form of beneficial interests in the Global Certificate, may be made only in
accordance with this Subsection 5.02(d) and in accordance with the rules of
the
Depository:
(i) In
the
case of a beneficial interest in the Global Certificate being transferred to
an
Institutional Accredited Investor, such transferee shall be required to take
delivery in the form of an Individual Certificate or Certificates and the
Certificate Registrar shall register such transfer only upon compliance with
the
provisions of Subsection 5.02(c)(ii).
(ii) In
the
case of a beneficial interest in a Class of Global Certificates being
transferred to a transferee that takes delivery in the form of an Individual
Certificate or Certificates of such Class, except as set forth in clause (i)
above, the Certificate Registrar shall register such transfer only upon
compliance with the provisions of Subsection 5.02(c)(i).
(iii) In
the
case of an Individual Certificate of a Class being transferred to a transferee
that takes delivery in the form of a beneficial interest in a Global Certificate
of such Class, the Certificate Registrar shall register such transfer if the
transferee has provided the Certificate Registrar with a Rule 144A Certificate
or comparable evidence as to its QIB status.
(iv) No
restrictions shall apply with respect to the transfer or registration of
transfer of a beneficial interest in the Global Certificate of a Class to a
transferee that takes delivery in the form of a beneficial interest in the
Global Certificate of such Class; provided that each such transferee shall
be
deemed to have made such representations and warranties contained in the Rule
144A Certificate as are sufficient to establish that it is a QIB.
(e) Subject
to Subsection 5.02(h), an exchange of a beneficial interest in a Global
Certificate of a Class for an Individual Certificate or Certificates of such
Class, an exchange of an Individual Certificate or Certificates of a Class
for a
beneficial interest in the Global Certificate of such Class and an exchange
of
an Individual Certificate or Certificates of a Class for another Individual
Certificate or Certificates of such Class (in each case, whether or not such
exchange is made in anticipation of subsequent transfer, and, in the case of
the
Global Certificate of such Class, so long as such Certificate is outstanding
and
is held by or on behalf of the Depository) may be made only in accordance with
this Subsection 5.02(e) and in accordance with the rules of the
Depository:
(i) A
holder
of a beneficial interest in a Global Certificate of a Class may at any time
exchange such beneficial interest for an Individual Certificate or Certificates
of such Class.
(ii) A
holder
of an Individual Certificate or Certificates of a Class may exchange such
Certificate or Certificates for a beneficial interest in the Global Certificate
of such Class if such holder furnishes to the Certificate Registrar a Rule
144A
Certificate or comparable evidence as to its QIB status.
(iii) A
holder
of an Individual Certificate of a Class may exchange such Certificate for an
equal aggregate principal amount of Individual Certificates of such Class in
different authorized denominations without any certification.
(f) (i)Upon
acceptance for exchange or transfer of an Individual Certificate of a Class
for
a beneficial interest in a Global Certificate of such Class as provided herein,
the Trustee shall cancel such Individual Certificate and shall (or shall request
the Depository to) endorse on the schedule affixed to the applicable Global
Certificate (or on a continuation of such schedule affixed to the Global
Certificate and made a part thereof) or otherwise make in its books and records
an appropriate notation evidencing the date of such exchange or transfer and
an
increase in the certificate balance of the Global Certificate equal to the
certificate balance of such Individual Certificate exchanged or transferred
therefor.
(ii) Upon
acceptance for exchange or transfer of a beneficial interest in a Global
Certificate of a Class for an Individual Certificate of such Class as provided
herein, the Certificate Registrar shall (or shall request the Depository to)
endorse on the schedule affixed to such Global Certificate (or on a continuation
of such schedule affixed to such Global Certificate and made a part thereof)
or
otherwise make in its books and records an appropriate notation evidencing
the
date of such exchange or transfer and a decrease in the certificate balance
of
such Global Certificate equal to the certificate balance of such Individual
Certificate issued in exchange therefor or upon transfer thereof.
(g) The
Securities Legend shall be placed on any Individual Certificate issued in
exchange for or upon transfer of another Individual Certificate or of a
beneficial interest in a Global Certificate.
(h) Subject
to the restrictions on transfer and exchange set forth in this Section 5.02,
the
holder of any Individual Certificate may transfer or exchange the same in whole
or in part (in an initial certificate balance equal to the minimum authorized
denomination set forth in Section 5.01(g) above or any integral multiple of
$1.00 in excess thereof) by surrendering such Certificate at the Certificate
Registrar Office, or at the office of any transfer agent, together with an
executed instrument of assignment and transfer satisfactory in form and
substance to the Certificate Registrar in the case of transfer and a written
request for exchange in the case of exchange. The holder of a beneficial
interest in a Global Certificate may, subject to the rules and procedures of
the
Depository, cause the Depository (or its nominee) to notify the Certificate
Registrar in writing of a request for transfer or exchange of such beneficial
interest for an Individual Certificate or Certificates. Following a proper
request for transfer or exchange, the Certificate Registrar shall, within five
Business Days of such request made at the Corporate Trust Office, sign,
countersign and deliver at the Corporate Trust Office, to the transferee (in
the
case of transfer) or holder (in the case of exchange) or send by first class
mail at the risk of the transferee (in the case of transfer) or holder (in
the
case of exchange) to such address as the transferee or holder, as applicable,
may request, an Individual Certificate or Certificates, as the case may require,
for a like aggregate Fractional Undivided Interest and in such authorized
denomination or denominations as may be requested. The presentation for transfer
or exchange of any Individual Certificate shall not be valid unless made at
the
Corporate Trust Office by the registered holder in person, or by a duly
authorized attorney-in-fact.
(i) At
the
option of the Certificateholders, Certificates may be exchanged for other
Certificates of authorized denominations of a like Class and aggregate
Fractional Undivided Interest, upon surrender of the Certificates to be
exchanged at the Corporate Trust Office; provided, however, that no Certificate
may be exchanged for new Certificates unless the original Fractional Undivided
Interest represented by each such new Certificate (i) is at least equal to
the
minimum authorized denomination or (ii) is acceptable to the Depositor as
indicated to the Trustee in writing. Whenever any Certificates are so
surrendered for exchange, the Certificate Registrar shall sign and countersign
and the Certificate Registrar shall deliver the Certificates which the
Certificateholder making the exchange is entitled to receive.
(j) If
the
Certificate Registrar so requires, every Certificate presented or surrendered
for transfer or exchange shall be duly endorsed by, or be accompanied by a
written instrument of transfer, with a signature guarantee, in form satisfactory
to the Certificate Registrar, duly executed by the holder thereof or his or
her
attorney duly authorized in writing.
(k) No
service charge shall be made for any transfer or exchange of Certificates,
but
the Certificate Registrar 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.
(l) The
Certificate Registrar shall cancel all Certificates surrendered for transfer
or
exchange but shall retain such Certificates in accordance with its standard
retention policy or for such further time as is required by the record retention
requirements of the Securities Exchange Act of 1934, as amended, and thereafter
may destroy such Certificates.
Section
5.03 Mutilated,
Destroyed, Lost or Stolen Certificates.
(a) If
(i)
any mutilated Certificate is surrendered to the Certificate Registrar, or the
Certificate Registrar receives evidence to its satisfaction of the destruction,
loss or theft of any Certificate, and (ii) there is delivered to the Certificate
Registrar such security or indemnity as it may require to save it harmless,
and
(iii) the Certificate Registrar has not received notice that such Certificate
has been acquired by a third Person, the Certificate Registrar shall sign,
countersign and deliver, in exchange for or in lieu of any such mutilated,
destroyed, lost or stolen Certificate, a new Certificate of like tenor and
Fractional Undivided Interest but in each case bearing a different number.
The
mutilated, destroyed, lost or stolen Certificate shall thereupon be canceled
of
record by the Certificate Registrar and shall be of no further effect and
evidence no rights.
(b) Upon
the
issuance of any new Certificate under this Section 5.03, the Certificate
Registrar 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 Certificate Registrar)
connected therewith. Any duplicate Certificate issued pursuant to this Section
5.03 shall constitute complete and indefeasible evidence of ownership in the
Trust Fund, as if originally issued, whether or not the lost, stolen or
destroyed Certificate shall be found at any time.
Section
5.04 Persons
Deemed Owners.
Prior
to
due presentation of a Certificate for registration of transfer, the Depositor,
the Paying Agent, the Certificate Registrar, the Trustee and any agent of the
Depositor, the Paying Agent, the Certificate Registrar or the Trustee may treat
the Person in whose name any Certificate is registered as the owner of such
Certificate for the purpose of receiving distributions pursuant to Section
6.01
and for all other purposes whatsoever. Neither the Depositor, the Paying Agent,
the Certificate Registrar, the Trustee nor any agent of the Depositor, the
Paying Agent, the Certificate Registrar, or the Trustee shall be affected by
notice to the contrary. No Certificate shall be deemed duly presented for a
transfer effective on any Record Date unless the Certificate to be transferred
is presented no later than the close of business on the third Business Day
preceding such Record Date.
Section
5.05 Transfer
Restrictions on Residual Certificates.
(a) Residual
Certificates, or interests therein, may not be transferred without the prior
express written consent of the Tax Matters Person and the Depositor. As a
prerequisite to such consent, (1) the proposed transferee must provide the
Tax
Matters Person, the Depositor, the Certificate Registrar and the Trustee with
an
affidavit that the proposed transferee is a Permitted Transferee (and an
affidavit that it is a United States Person), and (2) the proposed transferor
must provide the Tax Matters Person, the Depositor, the Certificate Registrar
and the Trustee with a certificate to the effect that it has no knowledge that
the statements made by the proposed transferee in any such affidavit are false,
each as provided in Subsection 5.05(b).
(b) No
transfer, sale or other disposition of a Residual Certificate (including a
beneficial interest therein) may be made unless, prior to the transfer, sale
or
other disposition of a Residual Certificate, (1) the proposed transferee
(including the initial purchasers thereof) delivers to the Tax Matters Person,
the Trustee, the Certificate Registrar and the Depositor an affidavit in the
form attached hereto as Exhibit E stating, among other things, that as of the
date of such transfer (i) such transferee is a Permitted Transferee and that
(ii) such transferee is not acquiring such Residual Certificate for the account
of any Person who is not a Permitted Transferee, and (2) the proposed transferor
delivers to the Tax Matters Person, the Trustee, the Certificate Registrar
and
the Depositor a certificate to the effect that it has no knowledge that the
statements made by
the
proposed transferee in
any
such affidavit are false. The Tax Matters Person shall not consent to a transfer
of a Residual Certificate if it has actual knowledge that any statement made
in
the affidavit issued pursuant to the preceding sentence is not true.
Notwithstanding any transfer, sale or other disposition of a Residual
Certificate to any Person who is not a Permitted Transferee, such transfer,
sale
or other disposition shall be deemed to be of no legal force or effect
whatsoever and such Person shall not be deemed to be a Holder of a Residual
Certificate for any purpose hereunder, including, but not limited to, the
receipt of distributions thereon. If any purported transfer shall be in
violation of the provisions of this Subsection 5.05(b), then the prior Holder
thereof shall, upon discovery that the transfer of such Residual Certificate
was
not in fact permitted by this Subsection 5.05(b), be restored to all rights
as a
Holder thereof retroactive to the date of the purported transfer. None of the
Trustee, the Certificate Registrar, the Tax Matters Person or the Depositor
shall be under any liability to any Person for any registration or transfer
of a
Residual Certificate that is not permitted by this Subsection 5.05(b) or for
making payments due on such Residual Certificate to the purported Holder thereof
or taking any other action with respect to such purported Holder under the
provisions of this Agreement so long as the written affidavit referred to above
was received with respect to such transfer, and the Tax Matters Person, the
Trustee, the Certificate Registrar and the Depositor, as applicable, had no
knowledge that it was untrue. The prior Holder shall be entitled to recover
from
any purported Holder of a Residual Certificate that was in fact not a permitted
transferee under this Subsection 5.05(b) at the time it became a Holder all
payments made on such Residual Certificate. Each Holder of a Residual
Certificate, by acceptance thereof, shall be deemed for all purposes to have
consented to the provisions of this Subsection 5.05(b) and to any amendment
of
this Agreement deemed necessary (whether as a result of new legislation or
otherwise) by counsel of the Tax Matters Person or the Depositor to ensure
that
the Residual Certificates are not transferred to any Person who is not a
Permitted Transferee and that any transfer of such Residual Certificates will
not cause the imposition of a tax upon the Trust or cause any REMIC to fail
to
qualify as a REMIC.
(c) The
Residual Certificates (including a beneficial interest therein) may not be
purchased by or transferred to any Person who is not a United States
Person.
(d) By
accepting a Residual Certificate, the purchaser thereof agrees to be a Tax
Matters Person, and appoints the Securities Administrator to act as its agent
with respect to all matters concerning the tax obligations of the
Trust.
Section
5.06 Restrictions
on Transferability of Certificates.
(a) No
offer,
sale, transfer or other disposition (including pledge) of any Certificate shall
be made by any Holder thereof unless registered under the Securities Act, or
an
exemption from the registration requirements of the Securities Act and any
applicable state securities or “Blue Sky” laws is available and the prospective
transferee (other than the Depositor) of such Certificate signs and delivers
to
the Certificate
Registrar
an
Investment Letter, if the transferee is an Institutional Accredited Investor,
in
the form set forth as Exhibit F-l hereto, or a Rule 144A Certificate, if the
transferee is a QIB, in the form set forth as Exhibit F-2 hereto.
Notwithstanding the provisions of the immediately preceding sentence, no
restrictions shall apply with respect to the transfer or registration of
transfer of a beneficial interest in any Certificate that is a Global
Certificate of a Class to a transferee that takes delivery in the form of a
beneficial interest in the Global Certificate of such Class provided that each
such transferee shall be deemed to have made such representations and warranties
contained in the Rule 144A Certificate as are sufficient to establish that
it is
a QIB. In the case of a proposed transfer of any Certificate to a transferee
other than a QIB, the Certificate Registrar may require an Opinion of Counsel
addressed to the Certificate Registrar that such transaction is exempt from
the
registration requirements of the Securities Act. The cost of such opinion shall
not be an expense of the Trustee or the Trust Fund.
(b) The
Private Certificates shall each bear a Securities Legend.
Section
5.07 ERISA
Restrictions.
(a) Subject
to the provisions of subsection (b), no Residual Certificates or Private
Certificates may be acquired directly or indirectly by, or on behalf of, an
employee benefit plan or other retirement arrangement which is subject to Title
I of ERISA or Section 4975 of the Code, unless the proposed transferee provides
either (i) the Trustee or the Securities Administrator, with an Opinion of
Counsel addressed to the Depositor, the Trustee, the Certificate Registrar,
the
Master Servicer and the Securities Administrator (upon which they may rely)
which is satisfactory to the Trustee or the Securities Administrator, which
opinion will not be at the expense of the Depositor, the Trustee, the
Certificate Registrar, the Master Servicer or the Securities Administrator,
that
the purchase of such Certificates by or on behalf of such Plan is permissible
under applicable law, will not constitute or result in a nonexempt prohibited
transaction under ERISA or Section 4975 of the Code and will not subject the
Depositor, the Master Servicer, the Certificate Registrar, the Securities
Administrator or the Trustee to any obligation in addition to those undertaken
in the Agreement or (ii) in the case of the Private Certificates, a
representation or certification to the Certificate Registrar (upon which the
Trustee and the Certificate Registrar are authorized to rely) to the effect
that
the proposed transfer and holding of such a Certificate and the servicing,
management and operation of the Trust: (I) will not result in a prohibited
transaction under Section 406 of ERISA or Section 4975 of the Code which is
not
covered under an individual or class prohibited transaction exemption including
but not limited to Department of Labor Prohibited Transaction Exemption (“PTE”)
84-14 (Class Exemption for Plan Asset Transactions Determined by Independent
Qualified Professional Asset Managers); PTE 91-38 (Class Exemption for Certain
Transactions Involving Bank Collective Investment Funds); PTE 90-1 (Class
Exemption for Certain Transactions Involving Insurance Company Pooled Separate
Accounts), PTE 95-60 (Class Exemption for Certain Transactions Involving
Insurance Company General Accounts), and PTCE 96-23 (Class Exemption for Plan
Asset Transactions Determined by In-House Asset Managers and (II) will not
subject the Depositor, the Securities Administrator, the Master Servicer or
the
Trustee to any obligation in addition to those undertaken in the
Agreement.
(b) Any
Person acquiring an interest in a Global Certificate which is a Private
Certificate, by acquisition of such Certificate, shall be deemed to have
represented to the Trustee that either: (i) it is not acquiring an interest
in
such Certificate directly or indirectly by, or on behalf of, an employee benefit
plan or other retirement arrangement which is subject to Title I of ERISA or
Section 4975 of the Code, or (ii) the transfer and holding of an interest in
such Certificate to that Person and the subsequent servicing, management and
operation of the Trust and its assets: (I) will not result in any prohibited
transaction which is not covered under an individual or class prohibited
transaction exemption, including, but not limited to, XXX 00-00, XXX 00-00,
XXX
00-0, XXX 95-60 or PTE 96-23 and (II) will not subject the Depositor, the
Securities Administrator, the Master Servicer or the Trustee to any obligation
in addition to those undertaken in the Agreement.
(c) Each
beneficial owner of a Class B-1, Class B-2 or Class B-3 Certificate or any
interest therein shall be deemed to have represented, by virtue of its
acquisition or holding of that certificate or interest therein, that either
(i)
it is not a Plan or investing with “Plan Assets”, (ii) it has acquired and is
holding such certificate in reliance on Prohibited Transaction Exemption 90-30,
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 or Fitch, 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) Neither
the Trustee, the Certificate Registrar, the Master Servicer nor the Securities
Administrator will be required to monitor, determine or inquire as to compliance
with the transfer restrictions with respect to the Global Certificates. Any
attempted or purported transfer of any Certificate in violation of the
provisions of Subsections (a) or (b) above shall be void ab initio and such
Certificate shall be considered to have been held continuously by the prior
permitted Certificateholder. Any transferor of any Certificate in violation
of
such provisions, shall indemnify and hold harmless the Trustee, the Certificate
Registrar, the Securities Administrator and the Master Servicer from and against
any and all liabilities, claims, costs or expenses incurred by the Trustee,
the
Certificate Registrar, the Securities Administrator or the Master Servicer
as a
result of such attempted or purported transfer. Neither the Trustee, nor the
Certificate Registrar shall be liable for transfer of any such Global
Certificates in or through book-entry facilities of any Depository or between
or
among Depository Participants or Certificate Owners made in violation of the
transfer restrictions set forth herein.
Section
5.08 Rule
144A
Information.
For
so
long as any Certificates are outstanding and are “restricted securities” within
the meaning of Rule 144(a)(3) of the Securities Act, (1) the Depositor 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 Depositor 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.
Section
5.09 Appointment
of Paying Agent and Certificate Registrar.
Xxxxx
Fargo Bank, National Association, as Securities Administrator, shall act as
the
initial Paying Agent and Certificate Registrar for so long as it is also the
Master Servicer. Each of the Paying Agent and the Certificate Registrar may
resign upon thirty (30) days’ prior written notice to the Trustee; provided
hereto that no such resignation shall be effective until the appointment of
a
successor paying agent or certificate registrar. In the event the Paying Agent
and/or the Certificate Registrar resigns or is removed by the Trustee for cause,
the Trustee may appoint a successor paying agent or certificate registrar,
as
applicable. The Trustee shall cause such successor paying agent, if other than
the Trustee or the Master Servicer or the Securities Administrator, to execute
and deliver to the Trustee an instrument in which such paying agent shall agree
with the Trustee that such paying agent will hold all sums held by it for the
payment to Certificateholders in trust for the benefit of the Certificateholders
entitled thereto until such sums have been paid to the
Certificateholders.
ARTICLE
VI
PAYMENTS
TO CERTIFICATEHOLDERS
Section
6.01 Distributions
on the Certificates.
(a) Interest
and principal (as applicable) on the Certificates (other than the Residual
Certificates) will be distributed monthly on each Distribution Date, commencing
in June 2006, in an amount equal to the Available Funds on deposit in the
Distribution Account for such Distribution Date. In addition, on the
Distribution Date occurring in June 2006, the Class R-1 Deposit will be
distributed to the Holders of the Class R-I Certificates, the Class R-2 Deposit
will be distributed to the Holders of the Class R-II Certificates and the Class
R-3 Deposit will be distributed to the Holders of the Class R-III Certificates.
On each Distribution Date, the Available Funds on deposit in the Distribution
Account shall be distributed as follows:
(i) on
each
Distribution Date, the Group I Available Funds will be distributed to the Group
I Senior Certificates as follows:
first,
to the
Class I-A-1 Certificates and Class I-A-2 Certificates, on a pro rata basis,
the
Accrued Certificate Interest on such Classes for such Distribution Date. As
described below, accrued interest on the Class I-A-1 Certificates and Class
I-A-2 Certificates is subject to reduction in the event of certain Net Interest
Shortfalls allocable thereto;
second,
to the
Class I-A-1 Certificates and Class I-A-2 Certificates, on a pro rata basis,
any
Accrued Certificate Interest thereon remaining undistributed from previous
Distribution Dates, to the extent of remaining Group I Available Funds;
and
third,
to the
Class I-A-1 Certificates and Class 1-A-2 Certificates, on a pro rata basis,
in
reduction of the Current Principal Amount thereof, the Group I Senior Optimal
Principal Amount for such Distribution Date to the extent of remaining Group
I
Available Funds, until the Current Principal Amounts of such Classes have been
reduced to zero.
(ii) on
each
Distribution Date, the Group II Available Funds will be distributed to the
Group
II Senior Certificates as follows:
first,
to the
Class II-A-1, Class II-A-2 and Class II-X Certificates, on a pro rata basis,
the
Accrued Certificate Interest on such Class for such Distribution Date. As
described below, accrued interest on the Class II-A-1, Class II-A-2 and Class
II-X Certificates is subject to reduction in the event of certain Net Interest
Shortfalls allocable thereto;
second,
to the
Class II-A-1, Class II-A-2 and Class II-X Certificates, on a pro rata basis,
any
Accrued Certificate Interest thereon remaining undistributed from previous
Distribution Dates, to the extent of remaining Group II Available Funds;
and
third,
to the
Class II-A-1 Certificates and Class II-A-2 Certificates, on a pro rata basis,
in
reduction of the Current Principal Amounts thereof, the Group II Senior Optimal
Principal Amount for such Distribution Date to the extent of remaining Group
II
Available Funds, until the Current Principal Amounts of such Classes have been
reduced to zero.
(iii) on
each
Distribution Date, the Group III Available Funds will be distributed to the
Group III Senior Certificates as follows:
first,
to the
Class III-A-1, Class III-A-2, Class III-A-3 and Class III-X Certificates, on
a
pro rata basis, the Accrued Certificate Interest on such Class for such
Distribution Date. As described below, accrued interest on the Class III-A-1,
Class III-A-2, Class III-A-3 and Class III-X Certificates is subject to
reduction in the event of certain Net Interest Shortfalls allocable
thereto;
second,
to the
Class III-A-1, Class III-A-2, Class III-A-3 and Class III-X Certificates, on
a
pro rata basis, any Accrued Certificate Interest thereon remaining undistributed
from previous Distribution Dates, to the extent of remaining Group III Available
Funds; and
third,
to the
Class III-A-1, Class III-A-2 and Class III-A-3 Certificates, on a pro rata
basis, in reduction of the Current Principal Amount thereof, the Group III
Senior Optimal Principal Amount for such Distribution Date to the extent of
remaining Group III Available Funds, until the Current Principal Amounts of
such
Classes have been reduced to zero.
(iv) on
each
Distribution Date, the Group IV Available Funds will be distributed to the
Group
IV Senior Certificates as follows:
first,
to the
Class IV-A-1 Certificates and Class IV-A-2 Certificates, on a pro rata basis,
the Accrued Certificate Interest on such Class for such Distribution Date.
As
described below, accrued interest on the Class IV-A-1 Certificates is subject
to
reduction in the event of certain Net Interest Shortfalls allocable
thereto;
second,
to the
Class IV-A-1 Certificates and Class IV-A-2 Certificates, on a pro rata basis,
any Accrued Certificate Interest thereon remaining undistributed from previous
Distribution Dates, to the extent of remaining Group IV Available Funds;
and
third,
to the
Class IV-A-1 Certificates and Class IV-A-2 Certificates, on a pro rata basis,
in
reduction of the Current Principal Amount thereof, the Group IV Senior Optimal
Principal Amount for such Distribution Date to the extent of remaining Group
IV
Available Funds, until the Current Principal Amounts of such Classes have been
reduced to zero.
(v) Except
as
provided in clauses (vi) and (vii) below, on each Distribution Date on or prior
to the Cross-Over Date, an amount equal to the sum of any remaining Group I,
Group II, Group III and Group IV Available Funds after the distributions in
clauses (i), (ii), (iii) and (iv) above will be distributed sequentially, in
the
following order, to the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5
and Class B-6 Certificates, in each case up to an amount equal to and in the
following order: (A) the Accrued Certificate Interest thereon for such
Distribution Date, (B) any Accrued Certificate Interest thereon remaining
undistributed from previous Distribution Dates and (C) such Class’s Allocable
Share for such Distribution Date, in each case, to the extent of remaining
Group
I, Group II, Group III and Group IV Available Funds.
(vi) On
each
Distribution Date prior to the Cross-Over Date but after the reduction of the
Current Principal Amount of all of the Senior Certificates of a Certificate
Group to zero, the remaining Class or Classes of Senior Certificates in the
remaining Certificate Groups will be entitled to receive in reduction of their
Current Principal Amounts, pro rata based upon their Current Principal Amounts
immediately prior to such Distribution Date, in addition to any Principal
Prepayments related to such remaining Senior Certificates’ respective Loan Group
allocated to such Senior Certificates, 100% of the Principal Prepayments on
any
Mortgage Loan in the Loan Group relating to the Class or Classes of Senior
Certificates of the fully repaid Certificate Group; provided, however, that
if
(A) the weighted average of the Subordinate Percentages on such Distribution
Date equals or exceeds two times the initial weighted average of the Subordinate
Percentages and (B) the aggregate Scheduled Principal Balance of the Mortgage
Loans delinquent 60 days or more (including for this purpose any such Mortgage
Loans in foreclosure and bankruptcy and Mortgage Loans with respect to which
the
related Mortgaged Property has been acquired by the Trust), averaged over the
last six months, as a percentage of the aggregate Current Principal Amount
of
the Subordinate Certificates does not exceed 50%, then the additional allocation
of Principal Prepayments to the Senior Certificates in accordance with this
clause (vi) will not be made and 100% of the Principal Prepayments on any
Mortgage Loan in the Loan Group relating to the fully repaid Class or Classes
of
Senior Certificates will be allocated to the Subordinate
Certificates.
(vii) If
on any
Distribution Date on which the aggregate Current Principal Amount of the Group
I, Group II, Group III or Group IV Senior Certificates would be greater than
the
aggregate Scheduled Principal Balance of the Mortgage Loans in the related
Loan
Group and any Subordinate Certificates are still outstanding, in each case
after
giving effect to distributions to be made on such Distribution Date, (A) 100%
of
amounts otherwise allocable to the Subordinate Certificates in respect of
principal will be distributed to the Group I, Group II, Group III or Group
IV
Senior Certificates in reduction of the Current Principal Amounts thereof,
until
the aggregate Current Principal Amount of such Class or Classes of Senior
Certificates is an amount equal to the aggregate Scheduled Principal Balance
of
the Mortgage Loans in the related Loan Group, and (B) the Accrued Certificate
Interest otherwise allocable to the Subordinate Certificates on such
Distribution Date will be reduced, if necessary, and distributed to such Class
or Classes of Senior Certificates in an amount equal to the Accrued Certificate
Interest for such Distribution Date on the excess of (x) the aggregate Current
Principal Amount of such Class or Classes of Senior Certificates over (y) the
aggregate Scheduled Principal Balance of the Mortgage Loans in the related
Loan
Group. Any such reduction in the Accrued Certificate Interest on the Subordinate
Certificates will be allocated in reverse order of the Subordinate Certificates
numerical designations, commencing with the Class B-6 Certificates.
(b) If,
after
distributions have been made pursuant to priorities first
and
second
of
clauses (a)(i), (ii), (iii) and (iv) above on any Distribution Date, the
remaining Group I, Group II, Group III or Group IV Available Funds are less
than
the Group I, Group II, Group III and Group IV Senior Optimal Principal Amounts,
respectively, the Senior Optimal Principal Amount for such Loan Group shall
be
reduced, and such remaining Available Funds will be distributed on the related
Senior Certificates, on a pro rata basis, on the basis of such reduced
amount.
(c) On
each
Distribution Date, any Available Funds remaining after payment of interest
and
principal to the Classes of Certificates entitled thereto, as described above,
will be distributed to the Class R-III Certificates; provided that if on any
Distribution Date there are any Group I, Group II, Group III and Group IV
Available Funds remaining after payment of interest and principal to a Class
or
Classes of Certificates entitled thereto, such amounts will be distributed
to
the other Classes of Senior Certificates, pro rata, based upon their Current
Principal Amounts, until all amounts due to all Classes of Senior Certificates
have been paid in full, before any amounts are distributed to the Class R-III
Certificates.
(d) For
any
Distribution Date, “pro rata” distributions among Classes of Certificates in
respect of Accrued Certificate Interest or unpaid Accrued Certificate Interest
will be made in proportion to the amount of Accrued Certificate Interest or
unpaid Accrued Certificate Interest, respectively, due on such Classes for
such
Distribution Date. For any Distribution Date, “pro rata” distributions among
Classes of Certificates in respect of principal will be made in proportion
to
the Current Principal Amount of such Classes immediately prior to such
Distribution Date.
(e) No
Accrued Certificate Interest will be payable with respect to any Class of
Certificates after the Distribution Date on which the Current Principal Amount
of such Certificate has been reduced to zero.
(f) If
on any
Distribution Date the Available Funds for the Senior Certificates in any
Certificate Group is less than the Accrued Certificate Interest on the related
Senior Certificates for such Distribution Date prior to reduction for Net
Interest Shortfalls and the interest portion of Realized Losses, the shortfall
will be allocated among the holders of each Class of Senior Certificates in
such
Certificate Group in proportion to the respective amounts of Accrued Certificate
Interest that would have been allocated thereto in the absence of such Net
Interest Shortfalls and/or Realized Losses for such Distribution Date. In
addition, the amount of any interest shortfalls will constitute unpaid Accrued
Certificate Interest and will be distributable to holders of the Certificates
of
the related Classes entitled to such amounts on subsequent Distribution Dates,
to the extent of the applicable Available Funds after current interest
distributions as required herein. Any such amounts so carried forward will
not
bear interest. Shortfalls in interest payments will not be offset by a reduction
in the servicing compensation of the Master Servicer or otherwise, except to
the
extent of applicable Compensating Interest Payments.
(g) The
expenses and fees of the Trust shall be paid by each of the REMICs, to the
extent that such expenses relate to the assets of each of such respective
REMICs, and all other expenses and fees of the Trust shall be paid pro rata
by
each of the REMICs.
Section
6.02 Allocation
of Losses.
(a) On
or
prior to each Determination Date, the Master Servicer shall determine the amount
of any Realized Loss in respect of each Mortgage Loan that occurred during
the
immediately preceding calendar month, based on information provided by the
related Servicer.
(b) With
respect to any Certificates on any Distribution Date, the principal portion
of
each Realized Loss on a Mortgage Loan shall be allocated as
follows:
first,
to the
Class B-6 Certificates until the Current Principal Amount thereof has been
reduced to zero;
second,
to the
Class B-5 Certificates until the Current Principal Amount thereof has been
reduced to zero;
third,
to the
Class B-4 Certificates until the Current Principal Amount thereof has been
reduced to zero;
fourth,
to the
Class B-3 Certificates until the Current Principal Amount thereof has been
reduced to zero;
fifth,
to the
Class B-2 Certificates until the Current Principal Amount thereof has been
reduced to zero;
sixth,
to
the
Class B-1 Certificates until the Current Principal Amount thereof has been
reduced to zero;
seventh,
if such
loss is on (v) a Group I Mortgage Loan, to the Class I-A-1 Certificates and
Class I-A-2 Certificates until the Current Principal Amount thereof has been
reduced to zero; provided, however, any such Realized Losses otherwise allocable
to the Class I-A-1 Certificates will be allocated to the Class I-A-2
Certificates, until the Current Principal Amount of the Class I-A-2 Certificates
has been reduced to zero, and then to the Class I-A-1 Certificates; (w) a Group
II Mortgage Loan, to
the
Class II-A-1 Certificates and Class II-A-2 Certificates, until
the
Current Principal Amount thereof has been reduced to zero; provided, however,
any such Realized Losses otherwise allocable to the Class II-A-1 Certificates
will be allocated to the Class II-A-2 Certificates, until the Current Principal
Amount of the Class II-A-2 Certificates has been reduced to zero, and then
to
the Class II-A-1 Certificates; (x) a Group III Mortgage Loan, to the Class
III-A-1 Certificates and Class III-A-2 Certificates until the Current Principal
Amount thereof has been reduced to zero; provided, however, any such Realized
Losses otherwise allocable to the Class III-A-1 Certificates will be allocated
to the Class III-A-2 Certificates, until the Current Principal Amount of the
Class III-A-2 Certificates has been reduced to zero, and then to the Class
III-A-1 Certificates; or (y) a Group IV Mortgage Loan, to the Class IV-A-1
Certificates and Class IV-A-2 Certificates until the Current Principal Amount
thereof has been reduced to zero; provided, however, any such Realized Losses
otherwise allocable to the Class IV-A-1 Certificates will be allocated to the
Class IV-A-2 Certificates, until the Current Principal Amount of the Class
IV-A-2 Certificates has been reduced to zero, and then to the Class IV-A-1
Certificates; and
eighth,
to the
Senior Certificates on a pro rata basis; provided, however, any such Realized
Losses otherwise allocable to the Class I-A-1 Certificates will be allocated
to
the Class I-A-2 Certificates, until the Current Principal Amount of the Class
I-A-2 Certificates has been reduced to zero, and then to the Class I-A-1
Certificates, any such Realized Losses otherwise allocable to the Class II-A-1
Certificates will be allocated to the Class II-A-2 Certificates, until the
Current Principal Amount of the Class II-A-2 Certificates has been reduced
to
zero, and then to the Class II-A-1 Certificates, any such Realized Losses
otherwise allocable to the Class III-A-1 Certificates will be allocated to
the
Class III-A-2 Certificates, until the Current Principal Amount of the Class
III-A-2 Certificates has been reduced to zero, and then to the Class III-A-1
Certificates, any such Realized Losses otherwise allocable and to the Class
IV-A-1 Certificates will be allocated to the Class IV-A-2 Certificates, until
the Current Principal Amount of the Class IV-A-2 Certificates has been reduced
to zero, and then to the Class IV-A-1 Certificates.
(c) Notwithstanding
the foregoing clause (b), no such allocation of any Realized Loss shall be
made
on a Distribution Date to any Class of Certificates to the extent that such
allocation would result in the reduction of the aggregate Current Principal
Amount of all the Certificates (other than the Class R Certificates) as of
such
Distribution Date, after giving effect to all distributions and prior
allocations of Realized Losses on the Mortgage Loans on such date, to an amount
less than the aggregate Scheduled Principal Balance of all of the Mortgage
Loans
as of the first day of the month of such Distribution Date (such limitation,
the
“Loss Allocation Limitation”).
(d) Any
Realized Losses allocated to a Class of Certificates shall be allocated among
the Certificates of such Class in proportion to their respective Current
Principal Amounts. Any allocation of Realized Losses shall be accomplished
by
reducing the Current Principal Amount of the related Certificates on the related
Distribution Date.
(e) Realized
Losses shall be allocated on the Distribution Date in the month following the
month in which such loss was incurred and, in the case of the principal portion
thereof, after giving effect to distributions made on such Distribution
Date.
(f) On
each
Distribution Date, the Securities Administrator shall determine and notify
the
Paying Agent of the Subordinate Certificate Writedown Amount. Any Subordinate
Certificate Writedown Amount shall effect a corresponding reduction in the
Current Principal Amount of (i) if prior to the Cross-Over Date, the Current
Principal Amounts of the Subordinate Certificates, in the reverse order of
their
numerical Class designations and (ii) from and after the Cross-Over Date, the
Senior Certificates, in accordance with priorities set forth in clause (b)
above, which reduction shall occur on such Distribution Date after giving effect
to distributions made on such Distribution Date.
(g) Any
Net
Interest Shortfall will be allocated among the Classes of Certificates (other
than the Residual Certificates) in proportion to the respective amounts of
Accrued Certificate Interest that would have been allocated thereto in the
absence of such Net Interest Shortfall for such Distribution Date. The interest
portion of any Realized Losses with respect to the Mortgage Loans occurring
on
or prior to the Cross-Over Date will not be allocated among any Certificates,
but will reduce the amount of Available Funds on the related Distribution Date.
As a result of the subordination of the Subordinate Certificates in right of
distribution, such Realized Losses on the Mortgage Loans will be borne by the
Subordinate Certificates, in inverse order of their numerical Class
designations. Following the Cross-Over Date, the interest portion of Realized
Losses on the Mortgage Loans will be allocated to the Senior Certificates in
the
manner described in the first sentence of this clause (g).
(h) In
addition, in the event that the Master Servicer receives any Subsequent
Recoveries from a Servicer, the Master Servicer shall deposit such funds into
the Distribution Account pursuant to Section 4.04. 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 Current Principal
Amount of the Class of Subordinate 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 of Subordinate
Certificates pursuant to this Section 6.02. The amount of any remaining
Subsequent Recoveries will be applied to sequentially increase the Current
Principal Amount of the Subordinate Certificates, beginning with the Class
of
Subordinate Certificates with the next highest payment priority, up to the
amount of such Realized Losses previously allocated to such Class of
Certificates pursuant to this Section 6.02. Holders of such Certificates will
not be entitled to any payment in respect of current interest on the amount
of
such increases for any Interest Accrual Period preceding the Distribution Date
on which such increase occurs. Any such increases shall be applied to the
Current Principal Amount of each Subordinate Certificate of such Class in
accordance with its respective Fractional Undivided Interest.
Section
6.03 Payments.
(a) On
each
Distribution Date, other than the final Distribution Date, the Paying Agent
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 Fractional Undivided Interest represented by such Holder’s
Certificates) of all amounts required to be distributed on such Distribution
Date to such Class, based on information provided to the Paying Agent by the
Securities Administrator. 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. Neither the Securities Administrator
nor
the Paying Agent shall be required to confirm, verify or recompute any such
information but shall be entitled to rely conclusively on such
information.
(b) Payment
of the above amounts to each Certificateholder shall be made (i) by check mailed
to each Certificateholder entitled thereto at the address appearing in the
Certificate Register or (ii) upon receipt by the Paying Agent on or before
the
fifth Business Day preceding the Record Date of written instructions from a
Certificateholder by wire transfer to a United States dollar account maintained
by the payee at any United States depository institution with appropriate
facilities for receiving such a wire transfer; provided, however, that the
final
payment in respect of each Class of Certificates will be made only upon
presentation and surrender of such respective Certificates at the office or
agency of the Paying Agent specified in the notice to Certificateholders of
such
final payment.
Section
6.04 Statements
to Certificateholders.
(a) Concurrently
with each distribution to Certificateholders, the Securities Administrator
shall
make available to the parties hereto and each Certificateholder via the
Securities Administrator’s internet website as set forth below, the following
information, expressed with respect to clauses (i) through (vii) in the
aggregate and as a Fractional Undivided Interest representing an initial Current
Principal Amount of $1,000, or in the case of the Residual Certificates, an
initial Current Principal Amount of $50:
(i) the
Current Principal Amount of each Class of Certificates immediately prior to
such
Distribution Date;
(ii) the
amount of the distribution allocable to principal on each applicable Class
of
Certificates;
(iii) the
aggregate amount of interest accrued at the related Pass-Through Rate with
respect to each Class during the related Interest Accrual Period;
(iv) the
Net
Interest Shortfall and any other adjustments to interest at the related
Pass-Through Rate necessary to account for any difference between interest
accrued and aggregate interest distributed with respect to each Class of
Certificates;
(v) the
amount of the distribution allocable to interest on each Class of
Certificates;
(vi) the
Pass-Through Rates for each Class of Certificates with respect to such
Distribution Date;
(vii) the
Current Principal Amount of each Class of Certificates after such Distribution
Date;
(viii) the
amount of any Monthly Advances, Compensating Interest Payments and outstanding
unreimbursed advances by the Master Servicer or the Servicer included in such
distribution separately stated for each Loan Group;
(ix) the
aggregate amount of any Realized Losses (listed separately for each category
of
Realized Loss and for each Loan Group) during the related Prepayment Period
and
cumulatively since the Cut-off Date and the amount and source (separately
identified) of any distribution in respect thereof included in such
distribution;
(x) with
respect to each Mortgage Loan which incurred a Realized Loss during the related
Prepayment Period, (i) the loan number, (ii) the Scheduled Principal Balance
of
such Mortgage Loan as of the Cut-off Date, (ii) the Scheduled Principal Balance
of such Mortgage Loan as of the beginning of the related Due Period, (iii)
the
Net Liquidation Proceeds with respect to such Mortgage Loan and (iv) the amount
of the Realized Loss with respect to such Mortgage Loan;
(xi) with
respect to each Loan Group, the amount of Scheduled Principal and Principal
Prepayments, (including but separately identifying the principal amount of
Principal Prepayments, Insurance Proceeds, the purchase price in connection
with
the purchase of Mortgage Loans, cash deposits in connection with substitutions
of Mortgage Loans and Net Liquidation Proceeds) and the number and principal
balance of Mortgage Loans purchased or substituted for during the relevant
period and cumulatively since the Cut-off Date;
(xii) the
number of Mortgage Loans (excluding REO Property) in each Loan Group remaining
in the Trust Fund as of the end of the related Prepayment Period;
(xiii) information
for each Loan Group and in the aggregate regarding any Mortgage Loan
delinquencies as of the end of the related Prepayment Period, including the
aggregate number and aggregate Outstanding Principal Balance of Mortgage Loans
using the MBA method of calculation (a) Delinquent 30 to 59 days on a
contractual basis, (b) Delinquent 60 to 89 days on a contractual basis, and
(c)
Delinquent 90 or more days on a contractual basis, in each case as of the close
of business on the last Business Day of the immediately preceding
month;
(xiv) for
each
Loan Group, the number of Mortgage Loans in the foreclosure process as of the
end of the related Due Period and the aggregate Outstanding Principal Balance
of
such Mortgage Loans;
(xv) for
each
Loan Group, the number and aggregate Outstanding Principal Balance of all
Mortgage Loans as to which the Mortgaged Property was REO Property as of the
end
of the related Due Period;
(xvi) the
book
value (the sum of (A) the Outstanding Principal Balance of the Mortgage Loan,
(B) accrued interest through the date of foreclosure and (C) foreclosure
expenses) of any REO Property in each Loan Group; provided that, in the event
that such information is not available to the Securities Administrator on the
Distribution Date, such information shall be furnished promptly after it becomes
available;
(xvii) the
amount of Realized Losses allocated to each Class of Certificates since the
prior Distribution Date and in the aggregate for all prior Distribution Dates;
and
(xviii) the
Average Loss Severity Percentage for each Loan Group; and
(xix) the
then
applicable Group I, Group II, Group III and Group IV Senior Percentage, Group
I,
Group II, Group III and Group IV Senior Prepayment Percentage, Group I, Group
II, Group III and Group IV Subordinate Percentage and Group I, Group II, Group
III and Group IV Subordinate Prepayment Percentage.
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 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 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.
(b) By
April
30 of each year beginning in 2007, the Securities Administrator will furnish
such report to each Holder of the Certificates of record at any time during
the
prior calendar year as to the aggregate of amounts reported pursuant to
subclauses (a)(ii) and (a)(v) above with respect to the Certificates, plus
information with respect to the amount of servicing compensation and such other
customary information as the Securities Administrator may determine to be
necessary and/or to be required by the Internal Revenue Service or by a federal
or state law or rules or regulations to enable such Holders to prepare their
tax
returns for such calendar year. Such obligations shall be deemed to have been
satisfied to the extent that substantially comparable information shall be
provided by the Securities Administrator or the Trustee pursuant to the
requirements of the Code.
Section
6.05 Monthly
Advances.
The
Master Servicer shall cause the related Servicer to remit any Advance required
pursuant to the terms of the related Servicing Agreement. The related Servicer
shall be obligated to make any such Advance only to the extent that such advance
would not be a Nonrecoverable Advance. If the related Servicer shall have
determined that it has made a Nonrecoverable Advance or that a proposed Advance
or a lesser portion of such Advance would constitute a Nonrecoverable Advance,
the related Servicer shall deliver (i) to the Securities Administrator for
the
benefit of the Certificateholders funds constituting the remaining portion
of
such Advance, if applicable, and (ii) to the Depositor, the Master Servicer,
each Rating Agency and the Trustee an Officer’s Certificate setting forth the
basis for such determination. Subject
to the Master Servicer’s recoverability determination, in the event that a
Servicer (other than Xxxxx Fargo) fails to make a required Advance, the Master
Servicer, as successor servicer, shall be required to remit the amount of such
Advance to the Distribution Account. Subject to the Securities Administrator’s
recoverability determination, in the event that the Master Servicer fails to
make a required Advance, the Securities Administrator shall be required to
remit
the amount of such Advance to the Distribution Account. If
Xxxxx
Fargo, as a Servicer, the Master Servicer or the Securities Administrator was
required to make an Advance but failed to do so, the Trustee shall appoint
a
successor servicer who will make such Advance, or the Trustee as successor
master servicer shall be
required to remit the amount of such Advance to the Distribution Account,
unless
the Trustee shall have determined that such Advance is a Nonrecoverable Advance.
If the Trustee cannot find a successor servicer to replace Xxxxx Fargo as
Servicer the Trustee shall become the successor servicer and shall be required
to remit the amount of such Advance to the Distribution Account, unless the
Trustee shall have determined that such Advance is a Nonrecoverable
Advance.
Section
6.06 Compensating
Interest Payments.
The
Master Servicer shall remit to the Securities Administrator for deposit in
the
Distribution Account not later than each Business Day preceding the related
Distribution 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 Servicers and (ii) the Master Servicer Compensation 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.
ARTICLE
VII
THE
MASTER SERVICER
Section
7.01 Liabilities
of the Master Servicer.
The
Master Servicer shall be liable in accordance herewith only to the extent of
the
obligations specifically imposed upon and undertaken by it herein.
Section
7.02 Merger
or
Consolidation of the Master Servicer.
(a) The
Master Servicer will keep in full force and effect its existence, rights and
franchises as a corporation under the laws of the state of its incorporation,
and will obtain and preserve its qualification to do business as a foreign
corporation in each jurisdiction in which such qualification is or shall be
necessary to protect the validity and enforceability of this Agreement, the
Certificates or any of the Mortgage Loans and to perform its duties under this
Agreement.
(b) Any
Person into which the Master Servicer may be merged or consolidated, or any
corporation resulting from any merger or consolidation to which the Master
Servicer shall be a party, or any Person succeeding to the business of the
Master Servicer, shall be the successor of the Master Servicer hereunder,
without the execution or filing of any paper or further act on the part of
any
of the parties hereto, anything herein to the contrary
notwithstanding.
Section
7.03 Indemnification
of the Trustee, the Master Servicer and the Securities
Administrator.
(a) The
Master Servicer agrees to indemnify the Indemnified Persons for, and to hold
them harmless against, any loss, liability or expense (including reasonable
legal fees and disbursements of counsel) incurred on their part that may be
sustained in connection with, arising out of, or relating to, any claim or
legal
action (including any pending or threatened claim or legal action) relating
to
this Agreement, the Servicing Agreements, the Assignment Agreements or the
Certificates or the powers of attorney delivered by the Trustee hereunder (i)
related to the Master Servicer’s failure to perform its duties in compliance
with this Agreement (except as any such loss, liability or expense shall be
otherwise reimbursable pursuant to this Agreement) or (ii) incurred by reason
of
the Master Servicer’s willful misfeasance, bad faith or gross negligence in the
performance of its duties hereunder or by reason of reckless disregard of its
obligations and duties hereunder, provided, in each case, that with respect
to
any such claim or legal action (or pending or threatened claim or legal action),
the Trustee shall have given the Master Servicer and the Depositor written
notice thereof promptly after a Responsible Officer the Trustee shall have
with
respect to such claim or legal action actual knowledge thereof. The Master
Servicer’s failure to receive any such notice shall not affect the Trustee’s
right to indemnification hereunder, except to the extent the Master Servicer
is
materially prejudiced by such failure to give notice. This indemnity
shall survive the resignation or removal of the Trustee, Master Servicer or
the
Securities Administrator and the termination of this Agreement.
(b) The
Depositor will indemnify any Indemnified Person for any loss, liability or
expense of any Indemnified Person not otherwise covered by the Master Servicer’s
indemnification pursuant to Subsection (a) above.
Section
7.04 Limitations
on Liability of the Master Servicer and Others.
Subject
to the obligation of the Master Servicer to indemnify the Indemnified Persons
pursuant to Section 7.03:
(a) Neither
the Master Servicer nor any of the directors, officers, employees or agents
of
the Master Servicer shall be under any liability to the Indemnified Persons,
the
Depositor, the Trust Fund or the Certificateholders for taking any action or
for
refraining from taking any action in good faith pursuant to this Agreement,
or
for errors in judgment; provided, however, that this provision shall not protect
the Master Servicer or any such Person against any breach of warranties or
representations made herein or any liability which would otherwise be imposed
by
reason of such Person’s willful misfeasance, bad faith or gross negligence in
the performance of duties or by reason of reckless disregard of obligations
and
duties hereunder.
(b) The
Master Servicer and any director, officer, employee or agent of the Master
Servicer may rely in good faith on any document of any kind prima facie properly
executed and submitted by any Person respecting any matters arising
hereunder.
(c) The
Master Servicer, the Custodian and any director, officer, employee or agent
of
the Master Servicer or the Custodian, shall be indemnified by the Trust and
held
harmless thereby against any loss, liability or expense (including reasonable
legal fees and disbursements of counsel) incurred on their part that may be
sustained in connection with, arising out of, or related to, any claim or legal
action (including any pending or threatened claim or legal action) relating
to
this Agreement, the Certificates or any Servicing Agreement (except to the
extent that the Master Servicer or the Trustee, as the case may be, is
indemnified by the Servicer thereunder), other than (i) any such loss, liability
or expense related to the Master Servicer's failure to perform its duties in
compliance with this Agreement (except as any such loss, liability or expense
shall be otherwise reimbursable pursuant to this Agreement), or to the
Custodian's failure to perform its duties under the Custodial Agreement,
respectively, or (ii) any such loss, liability or expense incurred by reason
of
the Master Servicer's or the Custodian's willful misfeasance, bad faith or
gross
negligence in the performance of duties hereunder or under the Custodial
Agreement, as applicable, or by reason of reckless disregard of obligations
and
duties hereunder or under the Custodial Agreement, as applicable.
(d) The
Master Servicer shall not be under any obligation to appear in, prosecute or
defend any legal action that is not incidental to its duties under this
Agreement and that in its opinion may involve it in any expense or liability;
provided, however, the Master Servicer may in its discretion, with the consent
of the Trustee (which consent shall not be unreasonably withheld), 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 shall be expenses, costs
and
liabilities of the Trust Fund, and the Master Servicer shall be entitled to
be
reimbursed therefor out of the Distribution Account as provided by Section
4.05.
Nothing in this Subsection 7.04(d) shall affect the Master Servicer’s obligation
to supervise, or to take such actions as are necessary to ensure, the servicing
and administration of the Mortgage Loans pursuant to Subsection
3.01(a).
(e) In
taking
or recommending any course of action pursuant to this Agreement, unless
specifically required to do so pursuant to this Agreement, the Master Servicer
shall not be required to investigate or make recommendations concerning
potential liabilities which the Trust might incur as a result of such course
of
action by reason of the condition of the Mortgaged Properties but shall give
notice to the Trustee if it has notice of such potential
liabilities.
(f) The
Master Servicer shall not be liable for any acts or omissions of any Servicers,
except as otherwise expressly provided herein.
Section
7.05 Master
Servicer Not to Resign.
Except
as
provided in Section 7.07, the Master Servicer shall not resign from the
obligations and duties hereby imposed on it except upon a determination that
any
such duties hereunder are no longer permissible under applicable law and such
impermissibility cannot be cured. Any such determination permitting the
resignation of the Master Servicer shall be evidenced by an Opinion of
Independent Counsel addressed to the Trustee to such effect delivered to the
Trustee. No such resignation by the Master Servicer shall become effective
until
EMC or the Trustee or a successor to the Master Servicer reasonably satisfactory
to the Trustee shall have assumed the responsibilities and obligations of the
Master Servicer in accordance with Section 8.02 hereof. The Trustee shall notify
the Rating Agencies of the resignation of the Master Servicer.
Section
7.06 Successor
Master Servicer.
In
connection with the appointment of any successor master servicer or the
assumption of the duties of the Master Servicer, EMC or the Trustee may make
such arrangements for the compensation of such successor master servicer out
of
payments on the Mortgage Loans as EMC or the Trustee and such successor master
servicer shall agree. If the successor master servicer does not agree that
such
market value is a fair price, such successor master servicer shall obtain two
quotations of market value from third parties actively engaged in the servicing
of single-family mortgage loans. Notwithstanding the foregoing, the compensation
payable to a successor master servicer may not exceed the compensation which
the
Master Servicer would have been entitled to retain if the Master Servicer had
continued to act as Master Servicer hereunder.
Section
7.07 Sale
and
Assignment of Master Servicing.
The
Master Servicer may sell and assign its rights and delegate its duties and
obligations in its entirety as Master Servicer under this Agreement and EMC
may
terminate the Master Servicer without cause and select a new Master Servicer;
provided, however, that: (i) the purchaser or transferee accepting such
assignment and delegation (a) shall be a Person which shall be qualified to
service mortgage loans for Xxxxxx Xxx or Xxxxxxx Mac; (b) shall 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 (d) shall execute
and deliver to the Trustee an agreement, in form and substance reasonably
satisfactory to the Trustee, which contains an assumption by such Person of
the
due and punctual performance and observance of each covenant and condition
to be
performed or observed by it as master servicer under this Agreement, 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, qualified or withdrawn as a result of such assignment,
sale and delegation, as evidenced by a letter to such effect delivered to the
Master Servicer and the Trustee; (iii) the Master Servicer assigning and selling
the master servicing shall deliver to the Trustee an Officer’s Certificate and
an Opinion of Independent Counsel addressed to the Trustee, 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;
and (iv) in the event the Master Servicer is terminated without cause by EMC,
EMC shall pay the terminated Master Servicer a termination fee equal to 0.25%
of
the aggregate Scheduled Principal Balance of the Mortgage Loans at the time
the
master servicing of the Mortgage Loans is transferred to the successor Master
Servicer. No such assignment or delegation shall affect any liability of the
Master Servicer arising prior to the effective date thereof.
ARTICLE
VIII
DEFAULT
Section
8.01 Events
of
Default.
“Event
of
Default,” wherever used herein, means any one of the following events (whatever
the reason for such Event of Default and whether it shall be voluntary or
involuntary or be effected by operation of law or pursuant to any judgment,
decree or order of any court or any order, rule or regulation of any
administrative or governmental body) and only with respect to the defaulting
Master Servicer:
(i) any
failure by the Master Servicer to remit to the Securities Administrator any
amounts received or collected by the Master Servicer in respect of the Mortgage
Loans and required to be remitted by it (other than any Monthly Advance)
pursuant to this Agreement, which failure shall continue unremedied for one
Business Day after the date on which written notice of such failure shall have
been given to the Master Servicer by the Trustee or the Depositor, or to the
Trustee and the Master Servicer by the Holders of Certificates evidencing not
less than 25% of the Voting Rights evidenced by the Certificates;
or
(ii) The
Master Servicer fails to observe or perform in any material respect any other
material covenants and agreements set forth in this Agreement to be performed
by
it, which covenants and agreements materially affect the rights of
Certificateholders, and such failure continues unremedied for a period of 60
days after the date on which written notice of such failure, properly requiring
the same to be remedied, shall have been given to the Master Servicer by the
Trustee or to the Master Servicer and the Trustee by the Holders of Certificates
evidencing Fractional Undivided Interests aggregating not less than 25% of
the
Trust Fund; or
(iii) There
is
entered against the Master Servicer a decree or order by a court or agency
or
supervisory authority having jurisdiction in the premises for the appointment
of
a conservator, 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, and the continuance of any such decree or
order is unstayed and in effect for a period of 60 consecutive days, or an
involuntary case is commenced against the Master Servicer under any applicable
insolvency or reorganization statute and the petition is not dismissed within
60
days after the commencement of the case; or
(iv) The
Master Servicer consents 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
substantially all of its property; or the Master Servicer admits in writing
its
inability to pay its debts generally as they become due, files a petition to
take advantage of any applicable insolvency or reorganization statute, makes
an
assignment for the benefit of its creditors, or voluntarily suspends payment
of
its obligations;
(v) The
Master Servicer assigns or delegates its duties or rights under this Agreement
in contravention of the provisions permitting such assignment or delegation
under Sections 7.05 or 7.07; or
(vi) The
Master Servicer fails to deposit, or cause to be deposited, in the Distribution
Account any Monthly Advance required to be made by the Master Servicer (other
than a Nonrecoverable Advance) by the close of business on the Business Day
prior to the related Distribution Date.
In
each
and every such case, so long as such Event of Default with respect to the Master
Servicer shall not have been remedied, either the Trustee or the Holders of
Certificates evidencing Fractional Undivided Interests aggregating not less
than
51% of the principal of the Trust Fund, by notice in writing to the Master
Servicer (and to the Trustee if given by such Certificateholders), with a copy
to the Rating Agencies, and with the consent of EMC, may terminate all of the
rights and obligations (but not the liabilities) of the Master Servicer under
this Agreement and in and to the Mortgage Loans and/or the REO Property serviced
by the Master Servicer and the proceeds thereof. Upon the receipt by the Master
Servicer of the written notice, all authority and power of the Master Servicer
under this Agreement, whether with respect to the Certificates, the Mortgage
Loans, REO Property or under any other related agreements (but only to the
extent that such other agreements relate to the Mortgage Loans or related REO
Property) shall, subject to Section 8.02, automatically and without further
action pass to and be vested in the Trustee pursuant to this Section 8.01;
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. The Master Servicer
agrees to cooperate with the Trustee in effecting the termination of the Master
Servicer’s rights and obligations hereunder, including, without limitation, the
transfer to the Trustee of (i) the property and amounts which are then or should
be part of the Trust or which thereafter become part of the Trust; and (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.
In addition to any other amounts which are then, or, notwithstanding the
termination of its activities under this Agreement, may become payable to the
Master Servicer under this Agreement, the Master Servicer shall be entitled
to
receive, out of any amount received on account of a Mortgage Loan or related
REO
Property, that portion of such payments which it would have received as
reimbursement under this Agreement if notice of termination had not been given.
The termination of the rights and obligations of the Master Servicer shall
not
affect any obligations incurred by the Master Servicer prior to such
termination. The Securities Administrator shall promptly notify the Trustee
in
writing of the occurrence of an Event of Default under clauses (i) or (vi)
above.
Notwithstanding
the foregoing, if an Event of Default described in clause (vi) of this Section
8.01 shall occur and the Securities Administrator fails to make such Advance
described in clause (vi) of Section 8.01, the Trustee shall, by notice in
writing to the Master Servicer, which may be delivered by telecopy, immediately
terminate all of the rights and obligations of the Master Servicer thereafter
arising under this Agreement, but without prejudice to any rights it may have
as
a Certificateholder or to reimbursement of Monthly Advances and other advances
of its own funds, and the Trustee shall act as provided in Section 8.02 to
carry
out the duties of the Master Servicer, including the obligation to make any
Monthly Advance the nonpayment of which was an Event of Default described in
clause (vi) of this Section 8.01. Any such action taken by the Trustee must
be
prior to the distribution on the relevant Distribution Date.
Section
8.02 Trustee
to Act; Appointment of Successor.
(a) Upon
the
receipt by the Master Servicer of a notice of termination pursuant to Section
8.01 or an Opinion of Independent Counsel pursuant to Section 7.05 to the effect
that the Master Servicer is legally unable to act or to delegate its duties
to a
Person which is legally able to act, the Trustee shall automatically become
the
successor in all respects to the Master Servicer in its capacity under this
Agreement and the transactions set forth or provided for herein and shall
thereafter have all of the rights and powers of, and be subject to all the
responsibilities, duties, liabilities and limitations on liabilities relating
thereto placed on the Master Servicer by the terms and provisions hereof;
provided, however, that the Trustee shall have no obligation whatsoever with
respect to any liability (other than advances deemed recoverable and not
previously made) incurred by the Master Servicer at or prior to the time of
termination. As compensation therefor, but subject to Section 7.06, the Trustee
shall be entitled to compensation which the Master Servicer would have been
entitled to retain if the Master Servicer had continued to act hereunder, except
for those amounts due the Master Servicer as reimbursement permitted under
this
Agreement for advances previously made or expenses previously incurred.
Notwithstanding the above, the Trustee may, if it shall be unwilling so to
act,
or shall, if it is legally unable so to act, appoint or petition a court of
competent jurisdiction to appoint, any established housing and home finance
institution which is a Xxxxxx Xxx- or Xxxxxxx Mac-approved servicer, and with
respect to a successor to the Master Servicer only, 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 Trustee shall obtain a letter
from each Rating Agency that the ratings, if any, on each of the Certificates
will not be lowered as a result of the selection of the successor to the Master
Servicer. Pending appointment of a successor to the Master Servicer hereunder,
the Trustee shall act in such capacity as hereinabove provided. In connection
with such appointment and assumption, the Trustee may make such arrangements
for
the compensation of such successor out of payments on the Mortgage Loans as
it
and such successor shall agree; provided, however, that the provisions of
Section 7.06 shall apply, the compensation shall not be in excess of that which
the Master Servicer would have been entitled to if the Master Servicer had
continued to act hereunder, and that such successor shall undertake and assume
the obligations of the Trustee to pay compensation to any third Person acting
as
an agent or independent contractor in the performance of master servicing
responsibilities hereunder. The Trustee and such successor shall take such
action, consistent with this Agreement, as shall be necessary to effectuate
any
such succession.
(b) If
the
Trustee shall succeed to any duties of the Master Servicer respecting the
Mortgage Loans as provided herein, it shall do so in a separate capacity and
not
in its capacity as Trustee and, accordingly, the provisions of Article IX shall
be inapplicable to the Trustee in its duties as the successor to the Master
Servicer in the servicing of the Mortgage Loans (although such provisions shall
continue to apply to the Trustee in its capacity as Trustee); the provisions
of
Article VII, however, shall apply to it in its capacity as successor master
servicer.
Section
8.03 Notification
to Certificateholders.
Upon
any
termination or appointment of a successor to the Master Servicer, the Trustee
shall give prompt written notice thereof to Certificateholders at their
respective addresses appearing in the Certificate Register and to the Rating
Agencies.
Section
8.04 Waiver
of
Defaults.
The
Trustee shall transmit by mail to all Certificateholders, within 60 days after
the occurrence of any Event of Default actually known to a Responsible Officer
of the Trustee, unless such Event of Default shall have been cured, notice
of
each such Event of Default. The Holders of Certificates evidencing Fractional
Undivided Interests aggregating not less than 51% of the Trust Fund may, on
behalf of all Certificateholders, waive any default by the Master Servicer
in
the performance of its obligations hereunder and the consequences thereof,
except a default in the making of or the causing to be made any required
distribution on the Certificates, which default may only be waived by Holders
of
Certificates evidencing Fractional Undivided Interests aggregating 100% of
the
Trust Fund. Upon any such waiver of a past default, such default shall be deemed
to cease to exist, and any Event of Default arising therefrom shall be deemed
to
have been timely remedied for every purpose of this Agreement. No such waiver
shall extend to any subsequent or other default or impair any right consequent
thereon except to the extent expressly so waived. The Trustee shall give notice
of any such waiver to the Rating Agencies.
Section
8.05 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 Trustee will afford such Certificateholders access during
business hours to the most recent list of Certificateholders held by the
Trustee.
ARTICLE
IX
CONCERNING
THE TRUSTEE AND THE SECURITIES ADMINISTRATOR
Section
9.01 Duties
of
Trustee.
(a) The
Trustee, prior to the occurrence of an Event of Default and after the curing
or
waiver of all Events of Default which may have occurred, and the Securities
Administrator each undertake to perform such duties and only such duties as
are
specifically set forth in this Agreement as duties of the Trustee and the
Securities Administrator, respectively. If an Event of Default has occurred
and
has not been cured or waived, the Trustee shall exercise such of the rights
and
powers vested in it by this Agreement, and subject to Section 8.02(b) use the
same degree of care and skill in their exercise, as a prudent person would
exercise under the circumstances in the conduct of his own affairs.
(b) Upon
receipt of all resolutions, certificates, statements, opinions, reports,
documents, orders or other instruments which are specifically required to be
furnished to the Trustee and the Securities Administrator pursuant to any
provision of this Agreement, the Trustee and the Securities Administrator,
respectively, shall examine them to determine whether they are in the form
required by this Agreement; provided, however, that neither the Trustee 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 hereunder; provided, further, that neither the Trustee
nor
the Securities Administrator shall be responsible for the accuracy or
verification of any calculation provided to it pursuant to this
Agreement.
(c) On
each
Distribution Date, the Paying Agent shall make monthly distributions and the
final distribution to the Certificateholders from funds in the Distribution
Account as provided in Sections 6.01 and 10.01 herein based solely on the report
of the Securities Administrator.
(d) No
provision of this Agreement shall be construed to relieve the Trustee or the
Securities Administrator from liability for its own negligent action, its own
negligent failure to act or its own willful misconduct; provided, however,
that:
(i) Prior
to
the occurrence of an Event of Default, and after the curing or waiver of all
such Events of Default which may have occurred, the duties and obligations
of
the Trustee and the Securities Administrator shall be determined solely by
the
express provisions of this Agreement, neither the Trustee nor the Securities
Administrator shall be liable except for the performance of their respective
duties and obligations as are specifically set forth in this Agreement, no
implied covenants or obligations shall be read into this Agreement against
the
Trustee or the Securities Administrator and, in the absence of bad faith on
the
part of the Trustee or the Securities Administrator, respectively, the Trustee
or the Securities Administrator, respectively, may conclusively rely, as to
the
truth of the statements and the correctness of the opinions expressed therein,
upon any certificates or opinions furnished to the Trustee or the Securities
Administrator, respectively, and conforming to the requirements of this
Agreement;
(ii) Neither
the Trustee nor the Securities Administrator shall be liable in its individual
capacity for an error of judgment made in good faith by a Responsible Officer
or
Responsible Officers of the Trustee or an officer of the Securities
Administrator, respectively, unless it shall be proved that the Trustee or
the
Securities Administrator, respectively, was negligent in ascertaining the
pertinent facts;
(iii) Neither
the Trustee nor the Securities Administrator shall be liable with respect to
any
action taken, suffered or omitted to be taken by it in good faith in accordance
with the directions of the Holders of Certificates evidencing Fractional
Undivided Interests aggregating not less than 25% of the Trust Fund, if such
action or non-action relates to the time, method and place of conducting any
proceeding for any remedy available to the Trustee or the Securities
Administrator, respectively, or exercising any trust or other power conferred
upon the Trustee or the Securities Administrator, respectively, under this
Agreement;
(iv) The
Trustee shall not be required to take notice or be deemed to have notice or
knowledge of any default or Event of Default unless a Responsible Officer of
the
Trustee’s Corporate Trust Office shall have actual knowledge thereof. In the
absence of such notice, the Trustee may conclusively assume there is no such
default or Event of Default;
(v) The
Trustee shall not in any way be liable by reason of any insufficiency in any
Account held by or in the name of Trustee unless it is determined by a court
of
competent jurisdiction that the Trustee’s gross negligence or willful misconduct
was the primary cause of such insufficiency (except to the extent that the
Trustee is obligor and has defaulted thereon);
(vi) Anything
in this Agreement to the contrary notwithstanding, in no event shall the Trustee
or the Securities Administrator be liable for special, indirect or consequential
loss or damage of any kind whatsoever (including but not limited to lost
profits), even if the Trustee or the Securities Administrator, respectively,
has
been advised of the likelihood of such loss or damage and regardless of the
form
of action;
(vii) None
of
the Securities Administrator, the Depositor or the Trustee shall be responsible
for the acts or omissions of the other, it being understood that this Agreement
shall not be construed to render them partners, joint venturers or agents of
one
another and
(viii) Neither
the Trustee nor the Securities Administrator shall be required to expend or
risk
its own funds or otherwise incur financial liability in the performance of
any
of its duties hereunder, or in the exercise of any of its rights or powers,
if
there is reasonable ground for believing that the repayment of such funds or
adequate indemnity against such risk or liability is not reasonably assured
to
it, and none of the provisions contained in this Agreement shall in any event
require the Trustee or the Securities Administrator to perform, or be
responsible for the manner of performance of, any of the obligations of the
Master Servicer under the Servicing Agreements, except during such time, if
any,
as the Trustee shall be the successor to, and be vested with the rights, duties,
powers and privileges of, the Master Servicer in accordance with the terms
of
this Agreement.
(e) All
funds
received by the Master Servicer and the Trustee and required to be deposited
in
the Distribution Account pursuant to this Agreement will be promptly so
deposited by the Master Servicer and the Trustee.
(f) Except
for those actions that the Trustee or the Securities Administrator is required
to take hereunder, neither the Trustee nor the Securities Administrator shall
have any obligation or liability to take any action or to refrain from taking
any action hereunder in the absence of written direction as provided
hereunder.
Section
9.02 Certain
Matters Affecting the Trustee and the Securities Administrator.
Except
as
otherwise provided in Section 9.01:
(i) The
Trustee and the Securities Administrator may rely and shall be protected in
acting or refraining from acting in reliance on any resolution, certificate
of
the Depositor, the Master Servicer or a Servicer, certificate of auditors or
any
other certificate, statement, instrument, opinion, report, notice, request,
consent, order, appraisal, bond or other paper or document believed by it to
be
genuine and to have been signed or presented by the proper party or
parties;
(ii) The
Trustee and the Securities Administrator may consult with counsel and any advice
of such counsel or any Opinion of Counsel shall be full and complete
authorization and protection with respect to any action taken or suffered or
omitted by it hereunder in good faith and in accordance with such advice or
Opinion of Counsel:
(iii) Neither
the Trustee nor the Securities Administrator shall be under any obligation
to
exercise any of the trusts or powers vested in it by this Agreement, other
than
its obligation to give notices pursuant to this Agreement, or to institute,
conduct or defend any litigation hereunder or in relation hereto at the request,
order or direction of any of the Certificateholders pursuant to the provisions
of this Agreement, unless such Certificateholders shall have offered to the
Trustee reasonable security or indemnity against the costs, expenses and
liabilities which may be incurred therein or thereby. Nothing contained herein
shall, however, relieve the Trustee of the obligation, upon the occurrence
of an
Event of Default of which a Responsible Officer of the Trustee has actual
knowledge (which has not been cured or waived), to exercise such of the rights
and powers vested in it by this Agreement, and to use the same degree of care
and skill in their exercise, as a prudent person would exercise under the
circumstances in the conduct of his own affairs;
(iv) 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, neither the Trustee nor the
Securities Administrator shall be liable in its individual capacity for any
action taken, suffered or omitted by it in good faith and believed by it to
be
authorized or within the discretion or rights or powers conferred upon it by
this Agreement;
(v) Neither
the Trustee nor the Securities Administrator shall be bound to make any
investigation into the facts or matters stated in any resolution, certificate,
statement, instrument, opinion, report, notice, request, consent, order,
approval, bond or other paper or document, unless requested in writing to do
so
by Holders of Certificates evidencing Fractional Undivided Interests aggregating
not less than 25% of the Trust Fund and provided that the payment within a
reasonable time to the Trustee or the Securities Administrator, as applicable,
of the costs, expenses or liabilities likely to be incurred by it in the making
of such investigation is, in the opinion of the Trustee or the Securities
Administrator, as applicable, reasonably assured to the Trustee or the
Securities Administrator, as applicable, by the security afforded to it by
the
terms of this Agreement. The Trustee or the Securities Administrator may require
reasonable indemnity against such expense or liability as a condition to taking
any such action. The reasonable expense of every such examination shall be
paid
by the Certificateholders requesting the investigation;
(vi) The
Trustee and the Securities Administrator may execute any of the trusts or powers
hereunder or perform any duties hereunder either directly or through Affiliates,
agents or attorneys; provided, however, that the Trustee may not appoint any
agent to perform its custodial functions with respect to the Mortgage Files
or
Trustee functions under this Agreement without the express written consent
of
the Master Servicer, which consent will not be unreasonably withheld. Neither
the Trustee nor the Securities Administrator shall be liable or responsible
for
the misconduct or negligence of any of the Trustee’s or the Securities
Administrator’s agents or attorneys or a custodian or Trustee appointed
hereunder by the Trustee or the Securities Administrator with due care and,
when
required, with the consent of the Master Servicer;
(vii) Should
the Trustee or the Securities Administrator deem the nature of any action
required on its part, other than a payment or transfer under Subsection 4.01(b)
or Section 4.02, to be unclear, the Trustee or the Securities Administrator,
respectively, may require prior to such action that it be provided by the
Depositor with reasonable further instructions;
(viii) The
right
of the Trustee or the Securities Administrator to perform any discretionary
act
enumerated in this Agreement shall not be construed as a duty, and neither
the
Trustee nor the Securities Administrator shall be accountable for other than
its
negligence or willful misconduct in the performance of any such
act;
(ix) Neither
the Trustee nor the Securities Administrator shall be required to give any
bond
or surety with respect to the execution of the trust created hereby or the
powers granted hereunder, except as provided in Subsection 9.07;
and
(x) Neither
the Trustee nor the Securities Administrator shall have any duty to conduct
any
affirmative investigation as to the occurrence of any condition requiring the
repurchase of any Mortgage Loan by the Seller pursuant to this Agreement or
the
Mortgage Loan Purchase Agreement, as applicable, or the eligibility of any
Mortgage Loan for purposes of this Agreement.
Section
9.03 Trustee
and Securities Administrator Not Liable for Certificates or Mortgage
Loans.
The
recitals contained herein and in the Certificates (other than the signature
and
countersignature of the Certificate Registrar on the Certificates) shall be
taken as the statements of the Depositor, and neither the Trustee, or the
Custodian on its behalf, nor the Securities Administrator shall have any
responsibility for their correctness. Neither the Trustee nor the Securities
Administrator makes any representation as to the validity or sufficiency of
the
Certificates (other than the signature and countersignature of the Certificate
Registrar on the Certificates) or of any Mortgage Loan except as expressly
provided in Sections 2.02 and 2.05 hereof; provided, however, that the foregoing
shall not relieve the Trustee, or the Custodian on its behalf, of the obligation
to review the Mortgage Files pursuant to Sections 2.02 and 2.04. The Trustee’s
signature and countersignature (or countersignature of its agent) on the
Certificates shall be solely in its capacity as Trustee and shall not constitute
the Certificates an obligation of the Trustee in any other capacity. Neither
the
Trustee or the Securities Administrator shall be accountable for the use or
application by the Depositor of any of the Certificates or of the proceeds
of
such Certificates, or for the use or application of any funds paid to the
Depositor with respect to the Mortgage Loans. Subject to the provisions of
Section 2.05, neither the Trustee nor the Securities Administrator shall be
responsible for the legality or validity of this Agreement or any document
or
instrument relating to this Agreement, the validity of the execution of this
Agreement or of any supplement hereto or instrument of further assurance, or
the
validity, priority, perfection or sufficiency of the security for the
Certificates issued hereunder or intended to be issued hereunder. Neither the
Trustee nor the Securities Administrator shall at any time have any
responsibility or liability for or with respect to the legality, validity and
enforceability of any Mortgage or any Mortgage Loan, or the perfection and
priority of any Mortgage or the maintenance of any such perfection and priority,
or for or with respect to the sufficiency of the Trust Fund or its ability
to
generate the payments to be distributed to Certificateholders, under this
Agreement. Neither the Trustee nor the Securities Administrator shall have
any
responsibility for filing any financing statement or continuation statement
in
any public office at any time or to otherwise perfect or maintain the perfection
of any security interest or lien granted to it hereunder or to record this
Agreement.
Section
9.04 Trustee
and Securities Administrator May Own Certificates.
The
Trustee and the Securities Administrator in its individual capacity or in any
capacity other than as Trustee hereunder may become the owner or pledgee of
any
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
9.05 Trustee’s
and Securities Administrator’s Fees and Expenses.
The
fees
and expenses of the Trustee and the Securities Administrator shall be paid
in
accordance with a side letter agreement between the Trustee and the Master
Servicer. In addition, the Trustee and the Securities Administrator will be
entitled to recover from the Distribution Account pursuant to Section
4.05(a)(ii) all reasonable out-of-pocket expenses, disbursements and advances
and the expenses of the Trustee and the Securities Administrator, respectively,
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) or incurred or made by the Trustee or the Securities Administrator,
respectively, in the administration of the trusts hereunder (including the
reasonable compensation, expenses and disbursements of its counsel) except
any
such expense, disbursement or advance as may arise from its negligence or
intentional misconduct or which is the responsibility of the Certificateholders.
If funds in the Distribution Account are insufficient therefor, the Trustee
and
the Securities Administrator shall recover such expenses from the Depositor
and
the Depositor hereby agrees to pay such expenses, disbursements or advances
upon
demand. Such compensation and reimbursement obligation shall not be limited
by
any provision of law in regard to the compensation of a trustee of an express
trust.
Section
9.06 Eligibility
Requirements for Trustee, Paying Agent and Securities
Administrator.
The
Trustee and any successor Trustee, Paying Agent and any successor Paying Agent
and the Securities Administrator and any successor Securities Administrator
shall during the entire duration of this Agreement be a state bank or trust
company or a national banking association organized and doing business under
the
laws of such state or the United States of America, authorized under such laws
to exercise corporate trust powers, having a combined capital and surplus and
undivided profits of at least $40,000,000 or, in the case of a successor
Trustee, $50,000,000, subject to supervision or examination by federal or state
authority and, in the case of the Trustee, rated “BBB” or higher by S&P with
respect to their long-term rating and rated “BBB” or higher by S&P and
“Baa2” or higher by Xxxxx’x with respect to any outstanding long-term unsecured
unsubordinated debt, and, in the case of a successor Trustee, successor Paying
Agent or successor Securities Administrator other than pursuant to Section
9.10,
rated in one of the two highest long-term debt categories of, or otherwise
acceptable to, each of the Rating Agencies. If the Trustee publishes reports
of
condition at least annually, pursuant to law or to the requirements of the
aforesaid supervising or examining authority, then for the purposes of this
Section 9.06 the combined capital and surplus of such corporation shall be
deemed to be its total equity capital (combined capital and surplus) as set
forth in its most recent report of condition so published. In case at any time
the Trustee, the Paying Agent or the Securities Administrator shall cease to
be
eligible in accordance with the provisions of this Section 9.06, the Trustee
or
the Securities Administrator shall resign immediately in the manner and with
the
effect specified in Section 9.08.
Section
9.07 Insurance.
The
Trustee, Paying Agent and the Securities Administrator, at their own expense,
shall at all times maintain and keep in full force and effect: (i) fidelity
insurance, (ii) theft of documents insurance and (iii) forgery insurance (which
may be collectively satisfied by a “Financial Institution Bond” and/or a
“Bankers’ Blanket Bond”). All such insurance shall be in amounts, with standard
coverage and subject to deductibles, as are customary for insurance typically
maintained by banks or their affiliates which act as custodians for
investor-owned mortgage pools. A certificate of an officer of the Trustee,
the
Paying Agent or the Securities Administrator as to the Trustee’s, Paying Agent’s
or the Securities Administrator’s, respectively, compliance with this Section
9.07 shall be furnished to any Certificateholder upon reasonable written
request.
Section
9.08 Resignation
and Removal of the Trustee and Securities Administrator.
(a) The
Trustee and the Securities Administrator may at any time resign and be
discharged from the Trust hereby created by giving written notice thereof to
the
Depositor and the Master Servicer, with a copy to the Rating Agencies. Upon
receiving such notice of resignation, the Depositor shall promptly appoint
a
successor Trustee or successor Securities Administrator, as applicable, by
written instrument, in triplicate, one copy of which instrument shall be
delivered to each of the resigning Trustee or Securities Administrator, as
applicable, the successor Trustee or Securities Administrator, as applicable.
If
no successor Trustee or Securities Administrator shall have been so appointed
and have accepted appointment within 30 days after the giving of such notice
of
resignation, the resigning Trustee or Securities Administrator may petition
any
court of competent jurisdiction for the appointment of a successor Trustee
or
Securities Administrator.
(b) If
at any
time the Trustee, the Paying Agent or the Securities Administrator shall cease
to be eligible in accordance with the provisions of Section 9.06 and shall
fail
to resign after written request therefor by the Depositor or if at any time
the
Trustee, the Paying Agent or the Securities Administrator shall become incapable
of acting, or shall be adjudged a bankrupt or insolvent, or a receiver of the
Trustee, the Paying Agent or the Securities Administrator, as applicable, or
of
its property shall be appointed, or any public officer shall take charge or
control of the Trustee, the Paying Agent or the Securities Administrator, as
applicable, or of its property or affairs for the purpose of rehabilitation,
conservation or liquidation, then the Depositor shall promptly remove the
Trustee, or shall be entitled to remove the Paying Agent or the Securities
Administrator, as applicable, and appoint a successor Trustee, Paying Agent
or
Securities Administrator, as applicable, by written instrument, in triplicate,
one copy of which instrument shall be delivered to each of the Trustee, the
Paying Agent or Securities Administrator, as applicable, so removed, the
successor Trustee or Securities Administrator, as applicable.
(c) The
Holders of Certificates evidencing Fractional Undivided Interests aggregating
not less than 51% of the Trust Fund may at any time remove the Trustee, the
Paying Agent or the Securities Administrator and appoint a successor Trustee,
the Paying Agent or Securities Administrator by written instrument or
instruments, in quadruplicate, signed by such Holders or their attorneys-in-fact
duly authorized, one complete set of which instruments shall be delivered to
the
Depositor, the Paying Agent, the Master Servicer, the Securities Administrator
(if the Trustee is removed), the Trustee (if the Securities Administrator or
Paying Agent is removed), and the Trustee, the Paying Agent or Securities
Administrator so removed and the successor so appointed. In the event that
the
Trustee, the Paying Agent or Securities Administrator is removed by the Holders
of Certificates in accordance with this Section 9.08(c), the Holders of such
Certificates shall be responsible for paying any compensation payable to a
successor Trustee, successor Paying Agent or successor Securities Administrator,
in excess of the amount paid to the predecessor Trustee, predecessor Paying
Agent or predecessor Securities Administrator, as applicable.
(d) No
resignation or removal of the Trustee, the Paying Agent or the Securities
Administrator and appointment of a successor Trustee, the Paying Agent or
Securities Administrator pursuant to any of the provisions of this Section
9.08
shall become effective except upon appointment of and acceptance of such
appointment by the successor Trustee, Paying Agent or Securities Administrator
as provided in Section 9.09.
Section
9.09 Successor
Trustee, Successor Paying Agent and Successor Securities
Administrator.
(a) Any
successor Trustee, Paying Agent or Securities Administrator appointed as
provided in Section 9.08 shall execute, acknowledge and deliver to the Depositor
and to its predecessor Trustee, Paying Agent or Securities Administrator an
instrument accepting such appointment hereunder. The resignation or removal
of
the predecessor Trustee, Paying Agent or Securities Administrator shall then
become effective and such successor Trustee, Paying Agent or Securities
Administrator, without any further act, deed or conveyance, shall become fully
vested with all the rights, powers, duties and obligations of its predecessor
hereunder, with like effect as if originally named as Trustee, Paying Agent
or
Securities Administrator herein. The predecessor Trustee, Paying Agent or
Securities Administrator shall after payment of its outstanding fees and
expenses promptly deliver to the successor Trustee, Paying Agent or Securities
Administrator, as applicable, all assets and records of the Trust held by it
hereunder, and the Depositor and the predecessor Trustee, Paying Agent or
Securities Administrator, as applicable, shall execute and deliver such
instruments and do such other things as may reasonably be required for more
fully and certainly vesting and confirming in the successor Trustee, Paying
Agent or Securities Administrator, as applicable, all such rights, powers,
duties and obligations.
(b) No
successor Trustee, Paying Agent or Securities Administrator shall accept
appointment as provided in this Section 9.09 unless at the time of such
acceptance such successor Trustee, Paying Agent or Securities Administrator
shall be eligible under the provisions of Section 9.06.
(c) Upon
acceptance of appointment by a successor trustee, paying agent or securities
administrator as provided in this Section 9.09, the successor trustee, paying
agent or securities administrator shall mail notice of the succession of such
trustee, paying agent or securities administrator hereunder to all
Certificateholders at their addresses as shown in the Certificate Register
and
to the Rating Agencies. The Depositor shall cause such notice to be mailed
at
the expense of the Trust Fund.
Section
9.10 Merger
or
Consolidation of Trustee, Paying Agent or Securities Administrator.
Any
state
bank or trust company or national banking association into which the Trustee,
Paying Agent or the 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 the Securities Administrator, respectively, shall be a
party, or any state bank or trust company or national banking association
succeeding to all or substantially all of the corporate trust business of the
Trustee, Paying Agent or the Securities Administrator, respectively, shall
be
the successor of the Trustee, Paying Agent or the Securities Administrator,
respectively, hereunder, provided such state bank or trust company or national
banking association shall be eligible under the provisions of Section 9.06.
Such
succession shall be valid 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
9.11 Appointment
of Co-Trustee or Separate Trustee.
(a) Notwithstanding
any other provisions hereof, at any time, for the purpose of meeting any legal
requirements of any jurisdiction in which any part of the Trust or property
constituting the same may at the time be located, the Depositor 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
Depositor 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, and
to
vest in such Person or Persons, in such capacity, such title to the Trust,
or
any part thereof, and, subject to the other provisions of this Section 9.11,
such powers, duties, obligations, rights and trusts as the Depositor and the
Trustee may consider necessary or desirable.
(b) If
the
Depositor shall not have joined in such appointment within 15 days after the
receipt by it of a written request so to do, the Trustee shall have the power
to
make such appointment without the Depositor.
(c) No
co-trustee or separate trustee hereunder shall be required to meet the terms
of
eligibility as a successor Trustee under Section 9.06 hereunder and no notice
to
Certificateholders of the appointment of co-trustee(s) or separate trustee(s)
shall be required under Section 9.08 hereof.
(d) In
the
case of any appointment of a co-trustee or separate trustee pursuant to this
Section 9.11, all rights, powers, duties and obligations conferred or imposed
upon the Trustee and required to be conferred on 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 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.
(e) 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
IX.
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.
(f) To
the
extent not prohibited by law, any separate trustee or co-trustee may, at any
time, request the Trustee, its agent or attorney-in-fact, with full power and
authority, to do any lawful act under or with respect to 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.
(g) No
trustee under this Agreement shall be personally liable by reason of any act
or
omission of another trustee under this Agreement. The Depositor and the Trustee
acting jointly may at any time accept the resignation of or remove any separate
trustee or co-trustee.
Section
9.12 Federal
Information Returns and Reports to Certificateholders; REMIC
Administration.
(a) For
federal income tax purposes, the taxable year of each REMIC shall be a calendar
year, and the Securities Administrator shall maintain or cause the maintenance
of the books of each such REMIC on the accrual method of
accounting.
(b) The
Securities Administrator shall prepare and file or cause to be filed with the
Internal Revenue Service, and the Trustee shall sign, federal tax information
returns or elections required to be made hereunder with respect to each REMIC,
the Trust Fund, if applicable, and the Certificates containing such information
and at the times and in the manner as may be required by the Code or applicable
Treasury regulations, and shall furnish to each Holder of Certificates at any
time during the calendar year for which such returns or reports are made such
statements or information at the times and in the manner as may be required
thereby, including, without limitation, reports relating to interest, original
issue discount and market discount or premium (using a constant prepayment
assumption of 25% CPR). The Securities Administrator will apply for an Employee
Identification Number from the Internal Revenue Service under Form SS-4 or
any
other acceptable method for all tax entities. In connection with the foregoing,
the Securities Administrator shall timely prepare and file, and the Trustee
shall sign, Internal Revenue Service Form 8811, which shall provide the name
and
address of the person who can be contacted to obtain information required to
be
reported to the holders of regular interests in each REMIC (the “REMIC Reporting
Agent”). The Trustee shall make elections to treat each REMIC as a REMIC (which
elections shall apply to the taxable period ending December 31, 2006 and each
calendar year thereafter) in such manner as the Code or applicable Treasury
regulations may prescribe, and as described by the Securities Administrator.
The
Trustee shall sign all tax information returns filed pursuant to this Section
and any other returns as may be required by the Code. The Holder of the Class
R-I Certificate is hereby designated as the “Tax Matters Person” (within the
meaning of Treasury Regulation Section 1.860F-4(d)) for REMIC I, the Holder
of
the Class R-II Certificate is hereby designated as the “Tax Matters Person” for
REMIC II, and the Holder of the Class R-III Certificate is hereby designated
as
the “Tax Matters Person” for REMIC III . The Securities Administrator is hereby
designated and appointed as the agent of each such Tax Matters Person. Any
Holder of a Residual Certificate will by acceptance thereof appoint the
Securities Administrator as agent and attorney-in-fact for the purpose of acting
as Tax Matters Person for each REMIC during such time as the Securities
Administrator does not own any such Residual Certificate. In the event that
the
Code or applicable Treasury regulations prohibit the Trustee from signing tax
or
information returns or other statements, or the Securities Administrator from
acting as agent for the Tax Matters Person, the Trustee and the Securities
Administrator shall take whatever action that in its sole good faith judgment
is
necessary for the proper filing of such information returns or for the provision
of a Tax Matters Person, including designation of the Holder of a Residual
Certificate to sign such returns or act as Tax Matters Person. Each Holder
of a
Residual Certificate shall be bound by this Section.
(c) The
Securities Administrator shall provide upon request and receipt of reasonable
compensation, such information as required in Section 860D(a)(6)(B) of the
Code
to the Internal Revenue Service, to any Person purporting to transfer a Residual
Certificate to a Person other than a transferee permitted by Section 5.05(b),
and to any regulated investment company, real estate investment trust, common
trust fund, partnership, trust, estate, organization described in Section 1381
of the Code, or nominee holding an interest in a pass-through entity described
in Section 860E(e)(6) of the Code, any record holder of which is not a
transferee permitted by Section 5.05(b) (or which is deemed by statute to be
an
entity with a disqualified member).
(d) The
Securities Administrator shall prepare and file or cause to be filed, and the
Trustee shall sign, any state income tax returns required under Applicable
State
Law with respect to each REMIC or the Trust Fund.
(e) Notwithstanding
any other provision of this Agreement, the Trustee and the Securities
Administrator shall comply with all federal withholding requirements respecting
payments to Certificateholders of, or in respect of, interest or original issue
discount on the Mortgage Loans that the Trustee or 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
Trustee or the Securities Administrator withholds any amount from payments
of,
or in respect of, interest or original issue discount or advances thereof to
any
Certificateholder pursuant to federal withholding requirements, the Trustee
or
the Securities Administrator shall, together with its monthly report to such
Certificateholders, indicate such amount withheld.
(f) The
Trustee and the Securities Administrator agree to indemnify the Trust Fund
and
the Depositor for any taxes and costs including, without limitation, any
reasonable attorneys fees imposed on or incurred by the Trust Fund, the
Depositor or the Master Servicer, as a result of a breach of the Trustee’s
covenants and the Securities Administrator’s covenants, respectively, set forth
in this Section 9.12; provided, however, such liability and obligation to
indemnify in this paragraph shall not be joint and several, and neither the
Trustee nor the Securities Administrator shall be liable or be obligated to
indemnify the Trust Fund for the failure by the other to perform any duty under
this Agreement or the breach by the other of any covenant in this
Agreement.
ARTICLE
X
TERMINATION
Section
10.01 Termination
Upon Repurchase by the Depositor or its Designee or Liquidation of the Mortgage
Loans.
(a) Subject
to Section 10.02, the respective obligations and responsibilities of the
Depositor, the Trustee, the Paying Agent, the Master Servicer and the Securities
Administrator created hereby, other than the obligation of the Paying Agent
to
make payments to Certificateholders as hereinafter set forth shall terminate
upon:
(i) the
repurchase by or at the direction of the Depositor or its designee of all of
the
Mortgage Loans and all related REO Property remaining in the Trust at a price
(in each case, the “Termination Purchase Price”) equal to the sum of (a) 100% of
the Outstanding Principal Balance of each Mortgage Loan (other than a Mortgage
Loan related to REO Property) as of the date of repurchase, net of the principal
portion of any unreimbursed Monthly Advances made by the purchaser, together
with interest at the applicable Mortgage Interest Rate accrued but unpaid to,
but not including, the first day of the month of repurchase, (b) the appraised
value of any related REO Property, less the good faith estimate of the Depositor
of liquidation expenses to be incurred in connection with its disposal thereof
(but not more than the Outstanding Principal Balance of the related Mortgage
Loan, together with interest at the applicable Mortgage Interest Rate accrued
on
that balance but unpaid to, but not including, the first day of the month of
repurchase), such appraisal to be calculated by an appraiser mutually agreed
upon by the Depositor and the Trustee at the expense of the Depositor, (c)
unreimbursed out-of pocket costs of the Master Servicer, including unreimbursed
servicing advances and the principal portion of any unreimbursed Monthly
Advances, made on the Mortgage Loans prior to the exercise of such repurchase
right and (d) any unreimbursed costs and expenses of the Trustee and the
Securities Administrator payable pursuant to Section 9.05; or
(ii) the
later
of the making of 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 property acquired with respect to any Mortgage Loan;
provided, however, that in the event that an advance has been made, but not
yet
recovered, at the time of such termination, the Person having made such advance
shall be entitled to receive, notwithstanding such termination, any payments
received subsequent thereto with respect to which such advance was made;
or
(iii) the
payment to the Certificateholders of all amounts required to be paid to them
pursuant to this Agreement.
(b) In
no
event, however, shall the Trust created hereby continue beyond the earlier
of
(i) the latest possible maturity date specified in Section 5.01(d) 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.
James’s, living on the date of this Agreement.
(c) The
right
of the Depositor or its designee to repurchase all the assets of the Trust
Fund
as described in Subsection 10.01(a)(i) above is conditioned upon (i) such
purchase occurring after the Distribution Date on which the aggregate Scheduled
Principal Balance of the Mortgage Loans is less than 10% of the sum of the
aggregate Scheduled Principal Balance of the Mortgage Loans as of the Cut-off
Date, or (ii) the Depositor making a determination, based upon an Opinion of
Counsel addressed to the Depositor, the Trustee and the Securities
Administrator, that the REMIC status of REMIC I, REMIC II or REMIC III has
been
lost or that a substantial risk exists that such REMIC status will be lost
for
the then-current taxable year. At any time thereafter, in the case of (i) or
(ii) above, the Depositor may elect to terminate REMIC I, REMIC II or REMIC
III
at any time, and upon such election, the Depositor or its designee, shall
repurchase all the assets of the Trust Fund described in Subsection 10.01(a)(i)
above.
(d) The
Paying Agent shall give notice of any termination to the Certificateholders,
with a copy to the Master Servicer, the Securities Administrator, the Trustee
and the Rating Agencies, upon which the Certificateholders shall surrender
their
Certificates to the Paying Agent for payment of the final distribution and
cancellation. Such notice shall be given by letter, mailed not earlier than
the
l5th day and not later than the 25th day of the month next preceding the month
of such final distribution, and shall specify (i) the Distribution Date upon
which final payment of the Certificates will be made upon presentation and
surrender of the Certificates at the office of the Paying Agent 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 Paying Agent therein specified.
(e) If
the
option of the Depositor to repurchase or cause the repurchase of all the assets
in the Trust Fund as described in Subsection 10.01(a)(i) above, is exercised,
the Depositor and/or its designee shall deliver to the Paying Agent for deposit
in the Distribution Account, by the Business Day prior to the applicable
Distribution Date, an amount equal to the Termination Purchase Price. Upon
presentation and surrender of the Certificates by the Certificateholders, the
Paying Agent shall distribute to such Certificateholders as directed by the
Securities Administrator in writing an amount determined as follows: with
respect to each Certificate (other than the Class R Certificates), the
outstanding Current Principal Amount, plus with respect to each Certificate
(other than the Class R Certificates), one month’s interest thereon at the
applicable Pass-Through Rate; and with respect to the Class R Certificates,
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 the Certificates in such Certificate Group (other
than the Class R Certificates). If the proceeds with respect to the Mortgage
Loans of a Loan Group are not sufficient to pay all of the Senior Certificates
of the related Certificate Group in full, any such deficiency shall be allocated
first, to the Subordinate Certificates, in inverse order of their numerical
designation and then to the Senior Certificates of the related Certificate
Group
on a pro rata basis. Upon deposit of the Termination Purchase Price and
following such final Distribution Date, the Trustee or the Custodian, as its
agent, shall release promptly to the Depositor and/or its designee the Mortgage
Files for the remaining Mortgage Loans, and the Accounts with respect thereto
shall terminate, subject to the Paying Agent’s obligation to hold any amounts
payable to the Certificateholders in trust without interest pending final
distributions pursuant to Subsection 10.01(g). Any other amounts remaining
in
the Accounts will belong to the Depositor.
(f) Upon
the
presentation and surrender of the Certificates, the Paying Agent shall
distribute to the remaining Certificateholders, pursuant to the written
direction of the Securities Administrator and in accordance with their
respective interests, all distributable amounts remaining in the Distribution
Account. Upon deposit by the Master Servicer of such distributable amounts,
and
following such final Distribution Date, the Paying Agent shall release promptly
to the Depositor or its designee the Mortgage Files for the remaining Mortgage
Loans, and the Distribution Account shall terminate, subject to the Paying
Agent’s obligation to hold any amounts payable to the Certificateholders in
trust without interest pending final distributions pursuant to this Subsection
10.01(f).
(g) If
not
all of the Certificateholders shall surrender their Certificates for
cancellation within six months after the time specified in the above-mentioned
written notice, the Paying Agent shall give a second written notice to the
remaining Certificateholders to surrender their Certificates for cancellation
and receive the final distribution with respect thereto. If within six months
after the second notice, not all the Certificates shall have been surrendered
for cancellation, the Paying Agent may take appropriate steps, or appoint any
agent to take appropriate steps, to contact the remaining Certificateholders
concerning surrender of their Certificates, and the cost thereof shall be paid
out of the funds and other assets which remain subject to this
Agreement.
Section
10.02 Additional
Termination Requirements.
(a) If
the
option of the Depositor to repurchase all of the Mortgage Loans under Subsection
10.01(a)(i) above is exercised, the Trust Fund and each REMIC shall be
terminated in accordance with the following additional requirements, unless
the
Trustee and Securities Administrator have been furnished with an Opinion of
Counsel addressed to the Trustee and Securities Administrator to the effect
that
the failure of the Trust to comply with the requirements of this Section 10.02
will not (i) result in the imposition of taxes on “prohibited transactions” as
defined in Section 860F of the Code on any REMIC or (ii) cause any REMIC to
fail
to qualify as a REMIC at any time that any Certificates are
outstanding:
(i) within
90
days prior to the final Distribution Date, at the written direction of the
Depositor, the Securities Administrator, as agent for the respective Tax Matters
Persons, shall adopt a plan of complete liquidation of each REMIC, in the case
of a termination under Subsection 10.01(a)(i), provided to it by the Depositor,
which meets the requirements of a “qualified liquidation” under Section 860F of
the Code and any regulations thereunder; and
(ii) the
Depositor shall notify the Trustee 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) By
their
acceptance of the Residual Certificates, the Holders thereof hereby (i) agree
to
adopt such a plan of complete liquidation of the related REMIC upon the written
request of the Depositor, and to take such action in connection therewith as
may
be reasonably requested by the Depositor, and (ii) appoint the Depositor as
their attorney-in-fact, with full power of substitution, for purposes of
adopting such a plan of complete liquidation. The Securities Administrator
shall
adopt such plan of liquidation by filing the appropriate statement on the final
tax return of each REMIC. Upon complete liquidation or final distribution of
all
of the assets of the Trust Fund, the Trust Fund and each REMIC shall
terminate.
ARTICLE
XI
[RESERVED]
ARTICLE
XII
MISCELLANEOUS
PROVISIONS
Section
12.01 Intent
of
Parties.
The
parties intend that each of REMIC I, REMIC II and REMIC III shall be treated
as
a REMIC for federal income tax purposes and that the provisions of this
Agreement should be construed in furtherance of this intent.
Section
12.02 Amendment.
(a) This
Agreement may be amended from time to time by the Depositor, the Master
Servicer, the Securities Administrator and the Trustee, without notice to or
the
consent of any of the Certificateholders, to cure any ambiguity, to correct
or
supplement any provisions herein or therein that may be defective or
inconsistent with any other provisions herein or therein, to comply with any
changes in the Code, to revise any provisions to reflect the obligations of
the
parties to this agreement as they relate to Regulation AB or to make any
other provisions with respect to matters or questions arising under this
Agreement which shall not be inconsistent with the provisions of this Agreement;
provided, however, that such action shall not, as evidenced by an Opinion of
Independent Counsel, addressed to the Trustee, adversely affect in any material
respect the interests of any Certificateholder.
(b) This
Agreement may also be amended from time to time by the Master Servicer, the
Depositor, the Securities Administrator and the Trustee, with the consent of
the
Holders of Certificates evidencing Fractional Undivided Interests aggregating
not less than 51% of the Trust Fund or of the applicable Class or Classes,
if
such amendment affects only such Class or Classes, for the purpose of adding
any
provisions to or changing in any manner or eliminating any of the provisions
of
this Agreement or of modifying in any manner the rights of the
Certificateholders; 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) 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, or (iii) cause any REMIC to fail to qualify as a REMIC for federal
income tax purposes, as evidenced by an Opinion of Independent Counsel addressed
to the Trustee which shall be provided to the Trustee other than at the
Trustee’s expense. Notwithstanding any other provision of this Agreement, for
purposes of the giving or withholding of consents pursuant to this Section
12.02(b), Certificates registered in the name of or held for the benefit of
the
Depositor, the Securities Administrator, the Master Servicer, or the Trustee
or
any Affiliate thereof shall be entitled to vote their Fractional Undivided
Interests with respect to matters affecting such Certificates.
(c) Promptly
after the execution of any such amendment, the Trustee shall furnish a copy
of
such amendment or written notification of the substance of such amendment to
each Certificateholder, with a copy to the Rating Agencies.
(d) In
the
case of an amendment under Subsection 12.02(b) above, it shall not be necessary
for the Certificateholders to approve the particular form of such an amendment.
Rather, it shall be sufficient if the Certificateholders approve the substance
of the amendment. 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.
(e) Prior
to
the execution of any amendment to this Agreement, the Trustee shall be entitled
to receive and rely upon an Opinion of Counsel addressed to the Trustee stating
that the execution of such amendment is authorized or permitted by this
Agreement. The Trustee and the Securities Administrator may, but shall not
be
obligated to, enter into any such amendment which affects the Trustee’s or the
Securities Administrator’s own respective rights, duties or immunities under
this Agreement.
Section
12.03 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 Mortgaged Properties
are situated, and in any other appropriate public recording office or elsewhere.
The Depositor shall effect such recordation, at the expense of the Trust upon
the request in writing of a Certificateholder, but only if such direction is
accompanied by an Opinion of Counsel (provided at the expense of the
Certificateholder requesting recordation) to the effect that such recordation
would materially and beneficially affect the interests of the Certificateholders
or is required by law.
Section
12.04 Limitation
on Rights of Certificateholders.
(a) The
death
or incapacity of any Certificateholder shall not terminate this Agreement or
the
Trust, 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, nor otherwise affect the rights,
obligations and liabilities of the parties hereto or any of them.
(b) Except
as
expressly provided in this Agreement, no Certificateholders shall have any
right
to vote or in any manner otherwise control the operation and management of
the
Trust, 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
establish the Certificateholders from time to time as partners or members of
an
association; nor shall any Certificateholders be under any liability to any
third Person by reason of any action taken by the parties to this Agreement
pursuant to any provision hereof.
(c) 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,
under or with respect to this Agreement against the Depositor, the Securities
Administrator, the Master Servicer or any successor to any such parties unless
(i) such Certificateholder previously shall have given to the Trustee a written
notice of a continuing default, as herein provided, (ii) the Holders of
Certificates evidencing Fractional Undivided Interests aggregating not less
than
51% of the Trust Fund 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 and expenses and liabilities to be incurred therein
or
thereby, and (iii) 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.
(d) No
one or
more Certificateholders shall have any right by virtue of any provision of
this
Agreement to affect the rights of any other Certificateholders or to obtain
or
seek to obtain priority or preference over any other such Certificateholder,
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 12.04, each and
every Certificateholder and the Trustee shall be entitled to such relief as
can
be given either at law or in equity.
Section
12.05 Acts
of
Certificateholders.
(a) Any
request, demand, authorization, direction, notice, consent, waiver or other
action provided by this Agreement to be given or taken by Certificateholders
may
be embodied in and evidenced by one or more instruments of substantially similar
tenor signed by such Certificateholders in person or by an agent duly appointed
in writing. Except as herein otherwise expressly provided, such action shall
become effective when such instrument or instruments are delivered to the
Trustee and, where it is expressly required, to the Depositor. Proof of
execution of any such instrument or of a writing appointing any such agent
shall
be sufficient for any purpose of this Agreement and conclusive in favor of
the
Trustee and the Depositor, if made in the manner provided in this Section
12.05.
(b) The
fact
and date of the execution by any Person of any such instrument or writing may
be
proved by the affidavit of a witness of such execution or by a certificate
of a
notary public or other officer authorized by law to take acknowledgments of
deeds, certifying that the individual signing such instrument or writing
acknowledged to him the execution thereof. Where such execution is by a signer
acting in a capacity other than his or her individual capacity, such certificate
or affidavit shall also constitute sufficient proof of his or her authority.
The
fact and date of the execution of any such instrument or writing, or the
authority of the individual executing the same, may also be proved in any other
manner which the Trustee deems sufficient.
(c) The
ownership of Certificates (notwithstanding any notation of ownership or other
writing on such Certificates, except an endorsement in accordance with Section
5.02 made on a Certificate presented in accordance with Section 5.04) shall
be
proved by the Certificate Register, and neither the Trustee, the Securities
Administrator, the Depositor, the Master Servicer nor any successor to any
such
parties shall be affected by any notice to the contrary.
(d) Any
request, demand, authorization, direction, notice, consent, waiver or other
action of the holder of any Certificate shall bind every future holder of the
same Certificate and the holder of every Certificate issued upon the
registration of transfer or exchange thereof, if applicable, or in lieu thereof
with respect to anything done, omitted or suffered to be done by the Trustee,
the Securities Administrator, the Depositor, the Master Servicer or any
successor to any such party in reliance thereon, whether or not notation of
such
action is made upon such Certificates.
(e) In
determining whether the Holders of the requisite percentage of Certificates
evidencing Fractional Undivided Interests have given any request, demand,
authorization, direction, notice, consent or waiver hereunder, Certificates
owned by the Trustee, the Securities Administrator, the Depositor, the Master
Servicer or any Affiliate thereof shall be disregarded, except as otherwise
provided in Section 12.02(b) and except that, in determining whether the Trustee
shall be protected in relying upon any such request, demand, authorization,
direction, notice, consent or waiver, only Certificates which a Responsible
Officer of the Trustee actually knows to be so owned shall be so disregarded.
Certificates which have been pledged in good faith to the Trustee, the
Securities Administrator, the Depositor, the Master Servicer or any Affiliate
thereof may be regarded as outstanding if the pledgor establishes to the
satisfaction of the Trustee the pledgor’s right to act with respect to such
Certificates and that the pledgor is not an Affiliate of the Trustee, the
Securities Administrator, the Depositor, or the Master Servicer, as the case
may
be.
Section
12.06 Governing
Law.
THIS
AGREEMENT AND THE CERTIFICATES SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS
OF
THE STATE OF NEW YORK WITHOUT REFERENCE TO ITS CONFLICT OF LAWS RULES (OTHER
THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW, WHICH THE PARTIES HERETO
EXPRESSLY RELY UPON IN THE CHOICE OF SUCH LAW AS THE GOVERNING LAW HEREUNDER)
AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE
DETERMINED IN ACCORDANCE WITH SUCH LAWS.
Section
12.07 Notices.
All
demands and notices hereunder shall be in writing and shall be deemed given
when
delivered at (including delivery by facsimile) or mailed by registered mail,
return receipt requested, postage prepaid, or by recognized overnight courier,
to (i) in the case of the Depositor, 000 Xxxxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx
00000, Attention: Vice President-Servicing, telecopier number: (000) 000-0000,
or to such other address as may hereafter be furnished to the other parties
hereto in writing; (ii) in the case of the Trustee, at its Corporate Trust
Office, or such other address as may hereafter be furnished to the other parties
hereto in writing; (iii) in the case of the Seller, 000 Xxxxxxx Xxxxxx, Xxx
Xxxx, Xxx Xxxx 00000, Attention: Vice President-Servicing, telecopier number:
(000) 000-0000, or to such other address as may hereafter be furnished to the
other parties hereto in writing; (iv) in the case of the Master Servicer or
Securities Administrator, 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 - BSARM 2006-2),
facsimile no.: (000) 000-0000, or such other address as may hereafter be
furnished to the other parties hereto in writing; (v) in the case of the
Certificate Registrar, the Certificate Registrar’s Office or (vi) in the case of
the Rating Agencies, Fitch, Inc., Xxx Xxxxx Xxxxxx Xxxxx, Xxx Xxxx, XX 00000
and
Standard & Poor’s, a division of The XxXxxx-Xxxx Companies, Inc., 00 Xxxxx
Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000, or such other address as may hereafter be
furnished to the other parties hereto in writing. Any notice delivered to the
Depositor, the Master Servicer, the Securities Administrator or the Trustee
under this Agreement shall be effective only upon receipt. Any notice required
or permitted to be mailed to a Certificateholder, unless otherwise provided
herein, shall be given by first-class mail, postage prepaid, at the address
of
such Certificateholder as shown in the Certificate Register. Any notice so
mailed within the time prescribed in this Agreement shall be conclusively
presumed to have been duly given when mailed, whether or not the
Certificateholder receives such notice.
Section
12.08 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 severed from the remaining
covenants, agreements, provisions or terms of this Agreement and shall in no
way
affect the validity or enforceability of the other provisions of this Agreement
or of the Certificates or the rights of the holders thereof.
Section
12.09 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.
Section
12.10 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
12.11 Counterparts.
This
Agreement may be executed in two or more counterparts each of which when so
executed and delivered shall be an original but all of which together shall
constitute one and the same instrument.
Section
12.12 Notice
to
Rating Agencies.
The
article and section headings herein are for convenience of reference only,
and
shall not limited or otherwise affect the meaning hereof. The Trustee shall
promptly provide notice to each Rating Agency with respect to each of the
following of which a Responsible Officer of the Trustee has actual
knowledge:
1. Any
material change or amendment to this Agreement or the Servicing
Agreements;
2. The
occurrence of any Event of Default that has not been cured;
3. The
resignation or termination of the Master Servicer, the Trustee or the Securities
Administrator;
4. The
repurchase or substitution of Mortgage Loans;
5. The
final
payment to Certificateholders; and
6. Any
change in the location of the Distribution Account.
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IN
WITNESS WHEREOF, the Depositor, the Trustee, the Master Servicer and the
Securities Administrator have caused their names to be signed hereto by their
respective officers thereunto duly authorized as of the day and year first
above
written.
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STRUCTURED
ASSET MORTGAGE INVESTMENTS II INC., as Depositor
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By:
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/s/ Xxxxx Xxxxxxxxxxx | ||||||
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Name:
Xxxxx Xxxxxxxxxxx
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Title:
Vice President
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U.S.
BANK NATIONAL ASSOCIATION, as Trustee
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By:
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/s/
Xxxxx X. Xxxxx
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Name:
Xxxxx X. Xxxxx
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Title:
Vice President
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XXXXX
FARGO BANK, N.A., as Master Servicer
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By:
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/s/ Xxxxxx X. Xxxxxx | ||||||
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Name:
Xxxxxx X. Xxxxxx
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Title:
Vice President
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XXXXX
FARGO BANK, N.A., as Securities Administrator
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By:
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/s/ Xxxxxx X. Xxxxxx | ||||||
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Name:
Xxxxxx X. Xxxxxx
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Title:
Vice President |
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EMC
MORTGAGE CORPORATION
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By:
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/s/
Xxxxx Xxxxxxxx
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Name:
Xxxxx Xxxxxxxx
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Title:
Executive Vice President
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Accepted
and Agreed as to
Sections
2.01, 2.02, 2.03, 2.04 and 9.09(c)
in
its
capacity as Seller
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EMC
MORTGAGE CORPORATION
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By:
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/s/ Xxx Xxxxxxxx | ||||||
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Name:
Xxx Xxxxxxxx
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Title:
Executive Vice President
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On
the
___ day of May, 2006 before me, a notary public in and for said State,
personally appeared Xxxxx Xxxxxxxxxxx, known to me to be a Vice President of
Structured Asset Mortgage Investments II Inc., the corporation 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.
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Notary
Public
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[Notarial
Seal]
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STATE
OF MASSACHUSETTS
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)
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| ) ss.: |
| COUNTY OF SUFFOLK | ) |
On
the
___ day of May, 2006 before me, a notary public in and for said State,
personally appeared Xxxxxx X. Xxxxxxx, known to me to be a Vice President of
U.S. Bank National Association, 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.
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Notary
Public
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[Notarial
Seal]
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STATE
OF MARYLAND
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)
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| ) ss.: |
| COUNTY OF XXXXXX | ) |
On
the
____ day of May, 2006 before me, a notary public in and for said State,
personally appeared Xxxxxx Xxxxxx, known to me to be an Vice President 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.
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Notary
Public
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[Notarial
Seal]
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STATE
OF MARYLAND
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)
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| ) ss.: |
| COUNTY OF XXXXXX | ) |
On
the
___ day of May, 2006 before me, a notary public in and for said State,
personally appeared _____________________, known to me to be a(n)
_____________________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 TEXAS | ) |
| ) ss.: |
|
COUNTY
OF DALLAS
|
)
|
On
the
___ day of May, 2006 before me, a notary public in and for said State,
personally appeared Xxxx Xxxxxxx, known to me to be a Senior Vice President
of
EMC Mortgage Corporation, the corporation 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 TEXAS | ) |
| ) ss.: |
|
COUNTY
OF DALLAS
|
)
|
On
the
___ day of May, 2006 before me, a notary public in and for said State,
personally appeared Xxxx Xxxxxxx, known to me to be a Senior Vice President
of
EMC Mortgage Corporation, the corporation 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]
EXHIBIT
A-1
FORM
OF CLASS [-A-] [X-] 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”).
[FOR
THE CLASS -A-] [THE CURRENT PRINCIPAL AMOUNT OF THIS CERTIFICATE WILL BE
DECREASED BY THE PRINCIPAL PAYMENTS HEREON AND REALIZED LOSSES ALLOCABLE HERETO.
ACCORDINGLY, FOLLOWING THE INITIAL ISSUANCE OF THE CERTIFICATES, THE CURRENT
PRINCIPAL AMOUNT OF THIS CERTIFICATE WILL BE DIFFERENT FROM THE DENOMINATION
SHOWN BELOW. ANYONE ACQUIRING THIS CERTIFICATE MAY ASCERTAIN ITS CURRENT
PRINCIPAL AMOUNT BY INQUIRY OF THE SECURITIES ADMINISTRATOR NAMED
HEREIN.]
UNLESS
THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY
TRUST COMPANY TO THE SECURITIES ADMINISTRATOR OR ITS AGENT FOR REGISTRATION
OF
TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED WILL BE REGISTERED
IN
THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT WILL BE MADE
TO
CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE
BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE &
CO., HAS AN INTEREST HEREIN.
|
Certificate
No. 1
|
[Variable]
Pass-Through Rate
|
|
Class
[_]-[_-[A]-_] [X-] Senior
|
|
|
Date
of Pooling and Servicing Agreement
and
Cut-off Date: May 1, 2006
|
Aggregate
Initial [Current Principal] [Notional] Amount of this Senior Certificate
as of the Cut-off Date: $[_____________]
|
|
First
Distribution Date:
June
26, 2006
|
Initial
[Current Principal] [Notional] Amount of this Senior Certificate
as of the
Cut-off Date: $[_____________]
|
|
Master
Servicer:
Xxxxx
Fargo Bank, N.A.
|
CUSIP:
[____________]
|
|
Assumed
Final Distribution Date:
July
25, 2036
|
|
BEAR
XXXXXXX ARM TRUST 2006-2
MORTGAGE
PASS-THROUGH CERTIFICATE
SERIES
2006-2
evidencing
a fractional undivided interest in the distributions allocable to the Class
[_]-[_-[A]-_] Certificates with respect to a Trust Fund consisting primarily
of
a pool of adjustable rate mortgage loans secured by first liens on one-to-four
family residential properties sold by STRUCTURED ASSET MORTGAGE INVESTMENTS
II
INC.
This
Certificate is payable solely from the assets of the Trust Fund, and does not
represent an obligation of or interest in Structured Asset Mortgage Investments
II Inc., the Master Servicer, the Securities Administrator or the Trustee
referred to below or any of their affiliates or any other person. Neither this
Certificate nor the underlying Mortgage Loans are guaranteed or insured by
any
governmental entity or by Structured Asset Mortgage Investments II Inc., the
Master Servicer, Securities Administrator or the Trustee or any of their
affiliates or any other person. None of Structured Asset Mortgage Investments
II
Inc., the Master Servicer or any of their affiliates will have any obligation
with respect to any certificate or other obligation secured by or payable from
payments on the Certificates.
This
certifies that Cede & Co. is the registered owner of the Fractional
Undivided Interest evidenced hereby in the beneficial ownership interest of
Certificates of the same Class as this Certificate in a trust (the “Trust Fund”)
primarily consisting of adjustable rate mortgage loans secured by first liens
on
one- to four- family residential properties (collectively, the “Mortgage Loans”)
sold by Structured Asset Mortgage Investments II Inc. (“XXXX XX”). The Mortgage
Loans were sold by EMC Mortgage Corporation (“EMC”) to XXXX XX. Xxxxx Fargo
Bank, N.A. (“Xxxxx Fargo”) will act as master servicer and as securities
administrator of the Mortgage Loans (the “Master Servicer” and the “Securities
Administrator”, which terms include any successors thereto under the Agreement
referred to below). The Trust Fund was created pursuant to the Pooling and
Servicing Agreement dated as of the Cut-off Date specified above (the
“Agreement”), among XXXX XX, as depositor (the “Depositor”), Xxxxx Fargo, as
Master Servicer and securities administrator (in such capacity, the “Securities
Administrator”), EMC as seller and U.S. Bank National Association as trustee
(the “Trustee”), a summary of certain of the pertinent provisions of which is
set forth hereafter. To the extent not defined herein, capitalized terms used
herein shall have the meaning ascribed to them in the Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Agreement, to which Agreement the Holder of this Certificate
by virtue of its acceptance hereof assents and by which such Holder is
bound.
Interest
on this Certificate will accrue during the month prior to the month in which
a
Distribution Date (as hereinafter defined) occurs on the [Current Principal]
[Notional] Amount hereof at a per annum rate equal to the Pass-Through Rate
as
described in the Agreement. The Securities Administrator will distribute on
the
25th day of each month, or, if such 25th day is not a Business Day, the
immediately following Business Day (each, a “Distribution Date”), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered at the close of business on the last Business Day
of
the calendar month preceding the month of such Distribution Date, an amount
equal to the product of the Fractional Undivided Interest evidenced by this
Certificate and the amount (of interest [and principal], if any) required to
be
distributed to the Holders of Certificates of the same Class as this
Certificate. The Assumed Final Distribution Date is the Distribution Date in
the
month immediately following the month of the latest scheduled maturity date
of
any Mortgage Loan and is not likely to be the date on which the [Current
Principal] [Notional] Amount of this Class of Certificates will be reduced
to
zero.
Distributions
on this Certificate will be made by the Paying Agent by check mailed to the
address of the Person entitled thereto as such name and address shall appear
on
the Certificate Register or, if such Person so requests by notifying the
Securities Administrator in writing as specified in the Agreement by wire
transfer. Notwithstanding the above, the final distribution on this Certificate
will be made after due notice by the Paying Agent of the pendency of such
distribution and only upon presentation and surrender of this Certificate at
the
office or agency appointed by the Securities Administrator for that purpose
and
designated in such notice. The Initial [Current Principal] Notional] Amount
of
this Certificate is set forth above. [The Current Principal Amount hereof will
be reduced to the extent of distributions allocable to principal hereon and
any
Realized Losses allocable hereto.]
This
Certificate is one of a duly authorized issue of Certificates designated as
set
forth on the face hereof (the “Certificates”), issued in twenty Classes. The
Certificates, in the aggregate, evidence the entire beneficial ownership
interest in the Trust Fund formed pursuant to the Agreement.
The
Certificateholder, by its acceptance of this Certificate, agrees that it will
look solely to the Trust Fund for payment hereunder and that the Trustee is
not
liable to the Certificateholders for any amount payable under this Certificate
or the Agreement or, except as expressly provided in the Agreement, subject
to
any liability under the Agreement.
This
Certificate does not purport to summarize the Agreement and reference is made
to
the Agreement for the interests, rights and limitations of rights, benefits,
obligations and duties evidenced hereby, and the rights, duties and immunities
of the Trustee.
The
Agreement permits, with certain exceptions therein provided, the amendment
thereof and the modification of the rights and obligations of the Depositor,
the
Master Servicer, the Securities Administrator and the Trustee and the rights
of
the Certificateholders under the Agreement from time to time by the parties
thereto with the consent of the Holders of Certificates, evidencing Fractional
Undivided Interests aggregating not less than 51% of the Trust Fund (or in
certain cases, Holders of Certificates of affected Classes evidencing such
percentage of the Fractional Undivided Interests thereof). Any such consent
by
the Holder of this Certificate shall be conclusive and binding on such Holder
and upon all future Holders of this Certificate and of any Certificate issued
upon the transfer hereof or in lieu hereof whether or not notation of such
consent is made upon this Certificate. The Agreement also permits the amendment
thereof, in certain limited circumstances, without the consent of the Holders
of
any of the Certificates.
As
provided in the Agreement and subject to certain limitations therein set forth,
the transfer of this Certificate is registrable with the Certificate Registrar
upon surrender of this Certificate for registration of transfer at the offices
or agencies maintained by the Securities Administrator for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form
satisfactory to the Securities Administrator duly executed by the Holder hereof
or such Holder’s attorney duly authorized in writing, and thereupon one or more
new Certificates in authorized denominations representing a like aggregate
Fractional Undivided Interest will be issued to the designated
transferee.
The
Certificates are issuable only as registered Certificates without coupons in
the
Classes and denominations specified in the Agreement. As provided in the
Agreement and subject to certain limitations therein set forth, this Certificate
is exchangeable for one or more new Certificates evidencing the same Class
and
in the same aggregate Fractional Undivided Interest, as requested by the Holder
surrendering the same.
No
service charge will be made to the Certificateholders for any such registration
of transfer, but the Securities Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith. The Depositor, the Master Servicer, the Securities Administrator,
the
Trustee and any agent of any of them may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of
the
Depositor, the Master Servicer, the Securities Administrator, the Trustee or
any
such agent shall be affected by notice to the contrary.
The
obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to
the
termination of the Agreement) shall terminate upon the earlier of (i) the later
of the (A) final payment or other liquidation (or Advance with respect thereto)
of the last Mortgage Loan remaining in the Trust Fund and (B) disposition of
all
property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and the remittance of all funds due under the Agreement, or (ii)
the optional repurchase by the party named in the Agreement of all the Mortgage
Loans and other assets of the Trust Fund in accordance with the terms of the
Agreement. Such optional repurchase may be made only on or after the
Distribution Date on which the aggregate unpaid principal balance of the
Mortgage Loans is less than the percentage of the aggregate Outstanding
Principal Balance specified in the Agreement of the Mortgage Loans at the
Cut-off Date. The exercise of such right will effect the early retirement of
the
Certificates. In no event, however, will the Trust Fund created by the Agreement
continue beyond the expiration of 21 years after the death of certain persons
identified in the Agreement.
Unless
this Certificate has been countersigned by an authorized signatory of the
Securities Administrator by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement, or be valid for any
purpose.
IN
WITNESS WHEREOF, the Securities Administrator has caused this Certificate to
be
duly executed.
|
Dated:
May 31, 2006
|
XXXXX
FARGO BANK, N.A.
Not
in its individual capacity but solely as Securities
Administrator
|
||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
CERTIFICATE
OF AUTHENTICATION
This
is
one of the Class [_]-[_-[A]-_] [X-] Certificates referred to in the
within-mentioned Agreement.
|
XXXXX
FARGO BANK, N.A.
Authorized
signatory of Xxxxx Fargo Bank N.A., not in its individual capacity
but
solely as Securities Administrator
|
|||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
ASSIGNMENT
FOR
VALUE
RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto
__________________________________ (Please print or typewrite name and address
including postal zip code of assignee) a Fractional Undivided 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:
|
funds
to
|
|||||||
|
for
the account of
|
|||||||
|
account
number
|
or,
if mailed by check, to
|
||||||
|
Applicable
statements should be mailed to
|
|||||||
|
This
information is provided by
|
|||||||
|
assignee
named above, or
|
|||||||
|
its
agent.
|
|||||||
EXHIBIT
A-2
FORM
OF CLASS B CERTIFICATE
THIS
CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES,
[AND] [THE CLASS [_-B-_] CERTIFICATES][,] [AND] [THE CLASS [_-B-_]
CERTIFICATES][,] [AND] [THE CLASS [_-B-_] CERTIFICATES][,] [AND] [THE CLASS
[_B-[_] CERTIFICATES][,] [AND] [THE CLASS [_-B-_] 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”).
THE
CURRENT PRINCIPAL AMOUNT OF THIS CERTIFICATE WILL BE DECREASED BY THE PRINCIPAL
PAYMENTS HEREON AND ANY REALIZED LOSSES ALLOCABLE HERETO. ACCORDINGLY, FOLLOWING
THE INITIAL ISSUANCE OF THE CERTIFICATES, THE CURRENT PRINCIPAL AMOUNT OF THIS
CERTIFICATE WILL BE DIFFERENT FROM THE DENOMINATION SHOWN BELOW. ANYONE
ACQUIRING THIS CERTIFICATE MAY ASCERTAIN ITS CURRENT PRINCIPAL AMOUNT BY INQUIRY
OF THE SECURITIES ADMINISTRATOR NAMED HEREIN.
[FOR
CLASS B-1, CLASS B-2 AND CLASS B-3] [UNLESS THIS CERTIFICATE IS PRESENTED BY
AN
AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SECURITIES
ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT,
ANY CERTIFICATE ISSUED WILL BE REGISTERED IN THE NAME OF CEDE & CO. OR SUCH
OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST
COMPANY AND ANY PAYMENT WILL BE MADE TO CEDE & CO. ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE
THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.]
[FOR
CLASS B-1, CLASS B-2 AND CLASS B-3] [EACH BENEFICIAL OWNER OF THIS CERTIFICATE
OR ANY INTEREST HEREIN SHALL BE DEEMED TO HAVE REPRESENTED, BY VIRTUE OF ITS
ACQUISITION OR HOLDING OF THIS CERTIFICATE OR INTEREST HEREIN, THAT EITHER
(I)
IT IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT
TO
THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED OR SECTION
4975
OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (“PLAN”), OR INVESTING WITH
ASSETS OF A PLAN OR (II) IT HAS ACQUIRED AND IS HOLDING SUCH CERTIFICATE IN
RELIANCE ON PROHIBITED TRANSACTION EXEMPTION 90-30, AS AMENDED FROM TIME TO
TIME
(“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 STANDARD
& POOR’S, FITCH, INC. OR XXXXX’X INVESTORS SERVICE, INC., 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 HEREIN 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.]
[FOR
CLASS B-1, CLASS B-2 AND CLASS B-3] [THIS CERTIFICATE HAS NOT BEEN AND WILL
NOT
BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES
ACT”), OR UNDER ANY STATE SECURITIES LAWS. THE HOLDER HEREOF, BY PURCHASING THIS
CERTIFICATE, AGREES THAT THIS CERTIFICATE MAY BE REOFFERED, RESOLD, PLEDGED
OR
OTHERWISE TRANSFERRED ONLY IN COMPLIANCE WITH THE SECURITIES ACT AND OTHER
APPLICABLE LAWS AND ONLY (1) PURSUANT TO RULE 144A UNDER THE SECURITIES ACT
(“RULE 144A”) TO A PERSON THAT THE HOLDER REASONABLY BELIEVES IS A QUALIFIED
INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A “QIB”), PURCHASING FOR
ITS OWN ACCOUNT OR A QIB PURCHASING FOR THE ACCOUNT OF A QIB, WHOM THE HOLDER
HAS INFORMED, IN EACH CASE, THAT THE REOFFER, RESALE, PLEDGE OR OTHER TRANSFER
IS BEING MADE IN RELIANCE ON RULE 144A, (2) PURSUANT TO AN EXEMPTION FROM
REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) OR
(3)
IN CERTIFICATED FORM TO AN “INSTITUTIONAL ACCREDITED INVESTOR” WITHIN THE
MEANING THEREOF IN RULE 501(A)(1), (2), (3) OR (7) OF REGULATION D UNDER THE
ACT
OR ANY ENTITY IN WHICH ALL OF THE EQUITY OWNERS COME WITHIN SUCH PARAGRAPHS
PURCHASING NOT FOR DISTRIBUTION IN VIOLATION OF THE SECURITIES ACT, SUBJECT
TO
(A) THE RECEIPT BY THE TRUSTEE AND THE CERTIFICATE REGISTRAR OF A LETTER
SUBSTANTIALLY IN THE FORM PROVIDED IN THE AGREEMENT AND (B) THE RECEIPT BY
THE
TRUSTEE OF SUCH OTHER EVIDENCE ACCEPTABLE TO THE TRUSTEE AND THE CERTIFICATE
REGISTRAR THAT SUCH REOFFER, RESALE, PLEDGE OR TRANSFER IS IN COMPLIANCE WITH
THE SECURITIES ACT AND OTHER APPLICABLE LAWS OR IN EACH CASE IN ACCORDANCE
WITH
ALL APPLICABLE SECURITIES LAWS OF THE UNITED STATES AND ANY OTHER APPLICABLE
JURISDICTION.]
[FOR
CLASS B-1, CLASS B-2 AND CLASS B-3] [THIS CERTIFICATE MAY NOT BE ACQUIRED
DIRECTLY OR INDIRECTLY BY, OR ON BEHALF OF, AN EMPLOYEE BENEFIT PLAN OR OTHER
RETIREMENT ARRANGEMENT WHICH IS SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE INTERNAL REVENUE
CODE OF 1986, AS AMENDED, UNLESS THE TRANSFEREE CERTIFIES OR REPRESENTS THAT
THE
PROPOSED TRANSFER AND HOLDING OF A CERTIFICATE AND THE SERVICING, MANAGEMENT
AND
OPERATION OF THE TRUST AND ITS ASSETS: (I) WILL NOT RESULT IN ANY PROHIBITED
TRANSACTION WHICH IS NOT COVERED UNDER AN INDIVIDUAL OR CLASS PROHIBITED
TRANSACTION EXEMPTION, INCLUDING, BUT NOT LIMITED TO, PROHIBITED TRANSACTION
EXEMPTION (“PTE”) 84-14, XXX 00-00, XXX 00-0, XXX 95-60 OR PTE 96-23 AND (II)
WILL NOT GIVE RISE TO ANY ADDITIONAL OBLIGATIONS ON THE PART OF THE DEPOSITOR,
THE SECURITIES ADMINISTRATOR, THE CERTIFICATE REGISTRAR, THE MASTER SERVICER
OR
THE TRUSTEE, WHICH WILL BE DEEMED REPRESENTED BY AN OWNER OF A BOOK-ENTRY
CERTIFICATE OR A GLOBAL CERTIFICATE OR UNLESS THE OPINION SPECIFIED IN SECTION
5.07 OF THE AGREEMENT IS PROVIDED.]
|
Certificate
No. 1
|
Variable
Pass-Through Rate
|
|
Class
[_-B-_] Subordinate
|
|
|
Date
of Pooling and Servicing Agreement
and
Cut-off Date:
May
1, 2006
|
Aggregate
Initial Current Principal Amount of this Subordinate Certificate
as of the
Cut-off Date: $[_________]
|
|
First
Distribution Date:
June
26, 2006
|
Initial
Current Principal Amount of this Subordinate Certificate as of the
Cut-off
Date: $[_________]
|
|
Master
Servicer:
Xxxxx
Fargo Bank, N.A.
|
CUSIP:
[____________]
|
|
Assumed
Final Distribution Date:
July
25, 2036
|
|
BEAR
XXXXXXX ARM TRUST 2006-2
MORTGAGE
PASS-THROUGH CERTIFICATE
SERIES
2006-2
evidencing
a fractional undivided interest in the distributions allocable to the Class
[_-B-_] Certificates with respect to a Trust Fund consisting primarily of a
pool
of adjustable rate mortgage loans secured by first liens on one-to-four family
residential properties sold by STRUCTURED ASSET MORTGAGE INVESTMENTS II
INC.
This
Certificate is payable solely from the assets of the Trust Fund, and does not
represent an obligation of or interest in Structured Asset Mortgage Investments
II Inc., the Master Servicer, the Securities Administrator or the Trustee
referred to below or any of their affiliates or any other person. Neither this
Certificate nor the underlying Mortgage Loans are guaranteed or insured by
any
governmental entity or by Structured Asset Mortgage Investments II Inc., the
Master Servicer, the Securities Administrator or the Trustee or any of their
affiliates or any other person. None of Structured Asset Mortgage Investments
II
Inc., the Master Servicer or any of their affiliates will have any obligation
with respect to any certificate or other obligation secured by or payable from
payments on the Certificates.
This
certifies that [_____________] is the registered owner of the Fractional
Undivided Interest evidenced hereby in the beneficial ownership interest of
Certificates of the same Class as this Certificate in a trust (the “Trust Fund”)
primarily consisting of adjustable rate mortgage loans secured by first liens
on
one- to four- family residential properties (collectively, the “Mortgage Loans”)
sold by Structured Asset Mortgage Investments II Inc. (“XXXX XX”). The Mortgage
Loans were sold by EMC Mortgage Corporation (“EMC”) to XXXX XX. Xxxxx Fargo
Bank, N.A. (“Xxxxx Fargo”) will act as master servicer and securities
administrator of the Mortgage Loans (the “Master Servicer” and the “Securities
Administrator”, which terms include any successors thereto under the Agreement
referred to below). The Trust Fund was created pursuant to the Pooling and
Servicing Agreement dated as of the Cut-off Date specified above (the
“Agreement”), among XXXX XX as depositor (the “Depositor”), Xxxxx Fargo as
Master Servicer and securities administrator (in such capacity, the “Securities
Administrator”), EMC as seller and U.S. Bank National Association as trustee
(the “Trustee”), a summary of certain of the pertinent provisions of which is
set forth hereafter. To the extent not defined herein, capitalized terms used
herein shall have the meaning ascribed to them in the Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Agreement, to which Agreement the Holder of this Certificate
by virtue of its acceptance hereof assents and by which such Holder is
bound.
Interest
on this Certificate will accrue during the month prior to the month in which
a
Distribution Date (as hereinafter defined) occurs on the Current Principal
Amount hereof at a per annum rate equal to the Pass-Through Rate as described
in
the Agreement. The Securities Administrator will distribute on the 25th day
of
each month, or, if such 25th day is not a Business Day, the immediately
following Business Day (each, a “Distribution Date”), commencing on the First
Distribution Date specified above, to the Person in whose name this Certificate
is registered at the close of business on the last Business Day of the calendar
month preceding the month of such Distribution Date, an amount equal to the
product of the Fractional Undivided Interest evidenced by this Certificate
and
the amount (of interest and principal, if any) required to be distributed to
the
Holders of Certificates of the same Class as this Certificate. The Assumed
Final
Distribution Date is the Distribution Date in the month immediately following
the month of the latest scheduled maturity date of any Mortgage Loan and is
not
likely to be the date on which the Current Principal Amount of this Class of
Certificates will be reduced to zero.
Distributions
on this Certificate will be made by the Paying Agent by check mailed to the
address of the Person entitled thereto as such name and address shall appear
on
the Certificate Register or, if such Person so requests by notifying the
Securities Administrator in writing as specified in the Agreement by wire
transfer. Notwithstanding the above, the final distribution on this Certificate
will be made after due notice by the Paying Agent of the pendency of such
distribution and only upon presentation and surrender of this Certificate at
the
office or agency appointed by the Securities Administrator for that purpose
and
designated in such notice. The Initial Current Principal Amount of this
Certificate is set forth above. The Current Principal Amount hereof will be
reduced to the extent of distributions allocable to principal hereon and any
Realized Losses allocable hereto.
[For
Class B-4, Class B-5 and Class B-6] [No transfer of this Class [_-B-_]
Certificate will be made unless such transfer is (i) exempt from the
registration requirements of the Securities act of 1933, as amended, and any
applicable state securities laws or is made in accordance with said Act and
laws
and (ii) made in accordance with Section 5.02 of the Agreement. In the event
that such transfer is to be made the Trustee shall register such transfer if,
(i) made to a transferee who has provided the Trustee with evidence as to its
QIB status; or (ii) (A) the transferor has advised the Trustee in writing that
the Certificate is being transferred to an Institutional Accredited Investor
and
(B) prior to such transfer the transferee furnishes to the Trustee an Investment
Letter; provided that if based upon an Opinion of Counsel to the effect that
(A)
and (B) above are not sufficient to confirm that such transfer is being made
pursuant to an exemption from, or in a transaction not subject to, the
registration requirements of the Securities Act and other applicable laws,
the
Trustee shall as a condition of the registration of any such transfer require
the transferor to furnish such other certifications, legal opinions or other
information prior to registering the transfer of this Certificate as shall
be
set forth in such Opinion of Counsel.]
[For
Class B-1, Class B-2 and Class B-3] [Each beneficial owner of this Certificate
or any interest herein shall be deemed to have represented, by virtue of its
acquisition or holding of this certificate or interest herein, that either
(i)
it is not a Plan or investing with assets of a Plan or (ii) it has acquired
and
is holding such certificate in reliance on Prohibited Transaction Exemption
90-30, as amended from time to time (“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 Standard & Poor’s, Fitch, Inc. or Xxxxx’x
Investors Service, Inc., 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.]
[For
Class B-3, Class B-4 and Class B-6] [This Certificate may not be acquired
directly or indirectly by, or on behalf of, an employee benefit plan or other
retirement arrangement which is subject to Title I of the Employee Retirement
Income Security Act of 1974, as amended, or Section 4975 of the Internal Revenue
Code of 1986, as amended, unless the transferee certifies or represents that
the
proposed transfer and holding of a Certificate and the servicing, management
and
operation of the trust and its assets: (i) will not result in any prohibited
transaction which is not covered under an individual or class prohibited
transaction exemption, including, but not limited to, Prohibited Transaction
Exemption (“PTE”) 84-14, XXX 00-00, XXX 00-0, XXX 95-60 or PTE 96-23 and (ii)
will not give rise to any additional obligations on the part of the Depositor,
the Securities Administrator, the Master Servicer or the Trustee, which will
be
deemed represented by an owner of a Book-Entry Certificate or a Global
Certificate or unless the opinion specified in section 5.07 of the Agreement
is
provided.]
This
Certificate is one of a duly authorized issue of Certificates designated as
set
forth on the face hereof (the “Certificates”), issued in twenty Classes.
The Certificates, in the aggregate, evidence the entire beneficial ownership
interest in the Trust Fund formed pursuant to the Agreement.
The
Certificateholder, by its acceptance of this Certificate, agrees that it will
look solely to the Trust Fund for payment hereunder and that the Trustee is
not
liable to the Certificateholders for any amount payable under this Certificate
or the Agreement or, except as expressly provided in the Agreement, subject
to
any liability under the Agreement.
This
Certificate does not purport to summarize the Agreement and reference is made
to
the Agreement for the interests, rights and limitations of rights, benefits,
obligations and duties evidenced hereby, and the rights, duties and immunities
of the Trustee.
The
Agreement permits, with certain exceptions therein provided, the amendment
thereof and the modification of the rights and obligations of the Depositor,
the
Master Servicer, the Securities Administrator and the Trustee and the rights
of
the Certificateholders under the Agreement from time to time by the parties
thereto with the consent of the Holders of Certificates, evidencing Fractional
Undivided Interests aggregating not less than 51% of the Trust Fund (or in
certain cases, Holders of Certificates of affected Classes evidencing such
percentage of the Fractional Undivided Interests thereof). Any such consent
by
the Holder of this Certificate shall be conclusive and binding on such Holder
and upon all future Holders of this Certificate and of any Certificate issued
upon the transfer hereof or in lieu hereof whether or not notation of such
consent is made upon this Certificate. The Agreement also permits the amendment
thereof, in certain limited circumstances, without the consent of the Holders
of
any of the Certificates.
As
provided in the Agreement and subject to certain limitations therein set forth,
the transfer of this Certificate is registrable with the Certificate Registrar
upon surrender of this Certificate for registration of transfer at the offices
or agencies maintained by the Securities Administrator for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form
satisfactory to the Securities Administrator duly executed by the Holder hereof
or such Holder’s attorney duly authorized in writing, and thereupon one or more
new Certificates in authorized denominations representing a like aggregate
Fractional Undivided Interest will be issued to the designated
transferee.
The
Certificates are issuable only as registered Certificates without coupons in
the
Classes and denominations specified in the Agreement. As provided in the
Agreement and subject to certain limitations therein set forth, this Certificate
is exchangeable for one or more new Certificates evidencing the same Class
and
in the same aggregate Fractional Undivided Interest, as requested by the Holder
surrendering the same.
No
service charge will be made to the Certificateholders for any such registration
of transfer, but the Securities Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith. The Depositor, the Master Servicer, the Securities Administrator,
the
Trustee and any agent of any of them may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of
the
Depositor, the Master Servicer, the Securities Administrator, the Trustee or
any
such agent shall be affected by notice to the contrary.
The
obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to
the
termination of the Agreement) shall terminate upon the earlier of (i) the later
of the (A) final payment or other liquidation (or Advance with respect thereto)
of the last Mortgage Loan remaining in the Trust Fund and (B) disposition of
all
property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and the remittance of all funds due under the Agreement, or (ii)
the optional repurchase by the party named in the Agreement of all the Mortgage
Loans and other assets of the Trust Fund in accordance with the terms of the
Agreement. Such optional repurchase may be made only on or after the
Distribution Date on which the aggregate unpaid principal balance of the
Mortgage Loans is less than the percentage of the aggregate Outstanding
Principal Balance specified in the Agreement of the Mortgage Loans at the
Cut-off Date. The exercise of such right will effect the early retirement of
the
Certificates. In no event, however, will the Trust Fund created by the Agreement
continue beyond the expiration of 21 years after the death of certain persons
identified in the Agreement.
Unless
this Certificate has been countersigned by an authorized signatory of the
Securities Administrator by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement, or be valid for any
purpose.
IN
WITNESS WHEREOF, the Securities Administrator has caused this Certificate to
be
duly executed.
|
Dated:
May 31, 2006
|
XXXXX
FARGO BANK, N.A.
Not
in its individual capacity but solely as Securities
Administrator
|
||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
CERTIFICATE
OF AUTHENTICATION
This
is
one of the Class [_-B-_] Certificates referred to in the within-mentioned
Agreement.
|
XXXXX
FARGO BANK, N.A.
Authorized
signatory of Xxxxx Fargo Bank, N.A., not in its individual capacity
but
solely as Securities Administrator
|
|||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
ASSIGNMENT
FOR
VALUE
RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto
__________________________________ (Please print or typewrite name and address
including postal zip code of assignee) a Fractional Undivided 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
|
|||||||
|
assignee
named above, or
|
|||||||
|
its
agent.
|
|||||||
EXHIBIT
A-3
FORM
OF CLASS R CERTIFICATE
THIS
CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON,
A
PUBLICLY TRADED PARTNERSHIP 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”).
THIS
CERTIFICATE MAY NOT BE ACQUIRED DIRECTLY OR INDIRECTLY BY, OR ON BEHALF OF,
AN
EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT WHICH IS SUBJECT TO TITLE
I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION
4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED, UNLESS THE PROPOSED
TRANSFEREE PROVIDES THE SECURITIES ADMINISTRATOR WITH AN OPINION OF COUNSEL
FOR
THE BENEFIT OF THE DEPOSITOR, THE TRUSTEE, THE MASTER SERVICER, THE CERTIFICATE
REGISTRAR AND THE SECURITIES ADMINISTRATOR AND ON WHICH THEY MAY RELY (WHICH
SHALL NOT BE AT THE EXPENSE OF THE TRUSTEE) WHICH IS ACCEPTABLE TO THE TRUSTEE,
THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT RESULT IN OR CONSTITUTE A
NONEXEMPT PROHIBITED TRANSACTION, IS PERMISSIBLE UNDER APPLICABLE LAW AND WILL
NOT GIVE RISE TO ANY ADDITIONAL OBLIGATIONS ON THE PART OF THE SELLER, THE
MASTER SERVICER, ANY SERVICER, THE CERTIFICATE REGISTRAR, THE SECURITIES
ADMINISTRATOR OR THE TRUSTEE.
ANY
RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY
IF
THE PROPOSED TRANSFEREE OBTAINS THE PRIOR WRITTEN CONSENT OF STRUCTURED ASSET
MORTGAGE INVESTMENTS II INC. AND THE SECURITIES ADMINISTRATOR AND PROVIDES
A
TRANSFER AFFIDAVIT TO STRUCTURED ASSET MORTGAGE INVESTMENTS II INC., THE
SECURITIES ADMINISTRATOR 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 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.
|
Certificate
No. 1
|
|
|
Class
R-[_]
|
|
|
Date
of Pooling and Servicing Agreement
and
Cut-off Date:
May
1, 2006
|
Aggregate
Initial Current Principal Amount of this Certificate as of the Cut-off
Date:
$___________
|
|
First
Distribution Date:
June
26, 2006
|
Initial
Current Principal Amount of this Certificate as of the Cut-off Date:
$_________
|
|
Master
Servicer:
Xxxxx
Fargo Bank, N.A.
|
CUSIP:
[_____________]
|
|
Assumed
Final Distribution Date:
July
25, 2036
|
|
BEAR
XXXXXXX ARM TRUST 2006-2
MORTGAGE
PASS-THROUGH CERTIFICATE
SERIES
2006-2
evidencing
a fractional undivided interest in the distributions allocable to the Class
R-[_] Certificates with respect to a Trust Fund consisting primarily of a pool
of adjustable rate mortgage loans secured by first liens on one-to-four family
residential properties sold by STRUCTURED ASSET MORTGAGE INVESTMENTS II
INC.
This
Certificate is payable solely from the assets of the Trust Fund, and does not
represent an obligation of or interest in Structured Asset Mortgage Investments
II Inc., the Master Servicer or the Trustee referred to below or any of their
affiliates or any other person. Neither this Certificate nor the underlying
Mortgage Loans are guaranteed or insured by any governmental entity or by
Structured Asset Mortgage Investments II Inc., the Master Servicer or the
Trustee or any of their affiliates or any other person. None of Structured
Asset
Mortgage Investments II Inc., the Master Servicer or any of their affiliates
will have any obligation with respect to any certificate or other obligation
secured by or payable from payments on the Certificates.
This
certifies that [_____________] is the registered owner of the Fractional
Undivided Interest evidenced hereby in the beneficial ownership interest of
Certificates of the same Class as this Certificate in a trust (the “Trust Fund”)
primarily consisting of adjustable rate mortgage loans secured by first liens
on
one- to four- family residential properties (collectively, the “Mortgage Loans”)
sold by Structured Asset Mortgage Investments II Inc. (“XXXX XX”). The Mortgage
Loans were sold by EMC Mortgage Corporation (“EMC”) to XXXX XX. Xxxxx Fargo
Bank, N.A. (“Xxxxx Fargo”) will act as master servicer and the securities
administrator of the Mortgage Loans (the “Master Servicer” and the “Securities
Administrator”, which terms include any successors thereto under the Agreement
referred to below). The Trust Fund was created pursuant to the Pooling and
Servicing Agreement dated as of the Cut-off Date specified above (the
“Agreement”), among XXXX XX as depositor (the “Depositor”), Xxxxx Fargo as
Master Servicer and securities administrator (in such capacity, the “Securities
Administrator”), EMC as seller and U.S. Bank National Association as trustee
(the “Trustee”), a summary of certain of the pertinent provisions of which is
set forth hereafter. To the extent not defined herein, capitalized terms used
herein shall have the meaning ascribed to them in the Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Agreement, to which Agreement the Holder of this Certificate
by virtue of its acceptance hereof assents and by which such Holder is
bound.
The
Securities Administrator will distribute on the 25th day of each month, or,
if
such 25th day is not a Business Day, the immediately following Business Day
(each, a “Distribution Date”), commencing on the First Distribution Date
specified above, to the Person in whose name this Certificate is registered
at
the close of business on the last Business Day of the calendar month preceding
the month of such Distribution Date, an amount equal to the product of the
Fractional Undivided Interest evidenced by this Certificate and the amount
(of
principal, if any) required to be distributed to the Holders of Certificates
of
the same Class as this Certificate. The Assumed Final Distribution Date is
the
Distribution Date in the month immediately following the month of the latest
scheduled maturity date of any Mortgage Loan and is not likely to be the date
on
which the Current Principal Amount of this Class of Certificates will be reduced
to zero.
Distributions
on this Certificate will be made by the Paying Agent by check mailed to the
address of the Person entitled thereto as such name and address shall appear
on
the Certificate Register or, if such Person so requests by notifying the
Securities Administrator in writing as specified in the Agreement by wire
transfer. Notwithstanding the above, the final distribution on this Certificate
will be made after due notice by the Paying Agent of the pendency of such
distribution and only upon presentation and surrender of this Certificate at
the
office or agency appointed by the Securities Administrator for that purpose
and
designated in such notice. The Initial Current Principal Amount of this
Certificate is set forth above. The Current Principal Amount hereof will be
reduced to the extent of distributions allocable to principal hereon and any
Realized Losses allocable hereto.
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 XXXX
XX,
the Trustee and the Securities Administrator 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 Depositor will have the right, in its sole discretion and without notice
to
the Holder of this Certificate, to sell this Certificate to a purchaser selected
by the Depositor, which purchaser may be the Depositor, or any affiliate of
the
Depositor, on such terms and conditions as the Depositor may
choose.
This
certificate may not be acquired directly or indirectly by, or on behalf of,
an
employee benefit plan or other retirement arrangement which is subject to Title
I of the Employee Retirement Income Security Act of 1974, as amended, or section
4975 of the Internal Revenue Code of 1986, as amended, unless the proposed
transferee provides the Trustee with an opinion of counsel for the benefit
of
the Depositor, Master Servicer and the Securities Administrator and on which
they may rely (which shall not be at the expense of the Trustee) which is
acceptable to the Trustee, that the purchase of this Certificate will not result
in or constitute a nonexempt prohibited transaction, is permissible under
applicable law and will not give rise to any additional obligations on the
part
of the Seller, the Master Servicer, any Servicer, the Securities Administrator
or the Trustee.
This
Certificate is one of a duly authorized issue of Certificates designated as
set
forth on the face hereof (the “Certificates”), issued in twenty Classes.
The Certificates, in the aggregate, evidence the entire beneficial ownership
interest in the Trust Fund formed pursuant to the Agreement.
The
Certificateholder, by its acceptance of this Certificate, agrees that it will
look solely to the Trust Fund for payment hereunder and that the Trustee is
not
liable to the Certificateholders for any amount payable under this Certificate
or the Agreement or, except as expressly provided in the Agreement, subject
to
any liability under the Agreement.
This
Certificate does not purport to summarize the Agreement and reference is made
to
the Agreement for the interests, rights and limitations of rights, benefits,
obligations and duties evidenced hereby, and the rights, duties and immunities
of the Trustee.
The
Agreement permits, with certain exceptions therein provided, the amendment
thereof and the modification of the rights and obligations of the Depositor,
the
Master Servicer, the Securities Administrator and the Trustee and the rights
of
the Certificateholders under the Agreement from time to time by the parties
thereto with the consent of the Holders of Certificates, evidencing Fractional
Undivided Interests aggregating not less than 51% of the Trust Fund (or in
certain cases, Holders of Certificates of affected Classes evidencing such
percentage of the Fractional Undivided Interests thereof). Any such consent
by
the Holder of this Certificate shall be conclusive and binding on such Holder
and upon all future Holders of this Certificate and of any Certificate issued
upon the transfer hereof or in lieu hereof whether or not notation of such
consent is made upon this Certificate. The Agreement also permits the amendment
thereof, in certain limited circumstances, without the consent of the Holders
of
any of the Certificates.
As
provided in the Agreement and subject to certain limitations therein set forth,
the transfer of this Certificate is registrable with the Certificate Registrar
upon surrender of this Certificate for registration of transfer at the offices
or agencies maintained by the Securities Administrator for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form
satisfactory to the Securities Administrator duly executed by the Holder hereof
or such Holder’s attorney duly authorized in writing, and thereupon one or more
new Certificates in authorized denominations representing a like aggregate
Fractional Undivided Interest will be issued to the designated
transferee.
The
Certificates are issuable only as registered Certificates without coupons in
the
Classes and denominations specified in the Agreement. As provided in the
Agreement and subject to certain limitations therein set forth, this Certificate
is exchangeable for one or more new Certificates evidencing the same Class
and
in the same aggregate Fractional Undivided Interest, as requested by the Holder
surrendering the same.
No
service charge will be made to the Certificateholders for any such registration
of transfer, but the Securities Administrator may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith. The Depositor, the Master Servicer, the Securities Administrator,
the
Trustee and any agent of any of them may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and none of
the
Depositor, the Master Servicer, the Securities Administrator, the Trustee or
any
such agent shall be affected by notice to the contrary.
The
obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to
the
termination of the Agreement) shall terminate upon the earlier of (i) the later
of the (A) final payment or other liquidation (or Advance with respect thereto)
of the last Mortgage Loan remaining in the Trust Fund and (B) disposition of
all
property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan and the remittance of all funds due under the Agreement, or (ii)
the optional repurchase by the party named in the Agreement of all the Mortgage
Loans and other assets of the Trust Fund in accordance with the terms of the
Agreement. Such optional repurchase may be made only on or after the
Distribution Date on which the aggregate unpaid principal balance of the
Mortgage Loans is less than the percentage of the aggregate Outstanding
Principal Balance specified in the Agreement of the Mortgage Loans at the
Cut-off Date. The exercise of such right will effect the early retirement of
the
Certificates. In no event, however, will the Trust Fund created by the Agreement
continue beyond the expiration of 21 years after the death of certain persons
identified in the Agreement.
Unless
this Certificate has been countersigned by an authorized signatory of the
Securities Administrator by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement, or be valid for any
purpose.
IN
WITNESS WHEREOF, the Securities Administrator has caused this Certificate to
be
duly executed.
|
Dated:
May 31, 2006
|
XXXXX
FARGO BANK, N.A.
Not
in its individual capacity but solely 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, N.A.
Authorized
signatory of Xxxxx Fargo Bank, N.A., not in its individual capacity
but
solely as Securities Administrator
|
|||||||||||||
|
By:
|
|||||||||||||
|
Authorized
Signatory
|
|||||||||||||
ASSIGNMENT
FOR
VALUE
RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto
__________________________________ (Please print or typewrite name and address
including postal zip code of assignee) a Fractional Undivided 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
|
|||||||
|
assignee
named above, or
|
|||||||
|
its
agent.
|
|||||||
EXHIBIT
B
MORTGAGE
LOAN SCHEDULE
LOAN_SEQ CURRENT_BALANCE PAYMENT STATED_ORIGINAL_TERM STATED_REM_TERM CURRENT_NET_COUPON LPMI
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
16046700 223500 1210.63 360 357 6.125 0
16046701 130400 692.75 360 357 6.125 0
16046702 525000 2789.06 360 357 6.125 0
16046703 199370.54 1167.15 360 357 5.5 0
16046704 528000 2640 360 356 5.75 0
16046705 161836 792.32 360 356 5.5 0
16046706 449000 2385.31 360 357 6.125 0
16046707 905000 4430.73 360 357 5.625 0
16046708 635999 3312.49 360 357 6 0
16046709 314121 1537.88 360 357 5.625 0
16046710 174400 872 360 357 5.75 0
16046712 195300 976.5 360 357 5.75 0
16046713 487500 2640.63 360 357 6.25 0
16046714 505000 2682.81 360 356 6.125 0
16046715 473956.25 2468.52 360 357 6 0
16046482 700495.53 2991.7 360 352 4.875 0
16046498 787771.54 3856.8 360 355 5.625 0
16046505 344000 1576.67 360 350 5.25 0
16046511 785000 3925 360 356 5.75 0
16046514 876943.65 5707.67 360 356 6.5 0
16046521 1409600 7488.5 360 355 6.125 0
16046541 447200 2282.58 360 356 5.875 0
16046546 525000 2898.44 360 356 6.375 0
16046550 570000 3146.87 360 356 6.375 0
16046562 340016 1664.66 360 355 5.625 0
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16166494 432000 2205 360 359 5.875 0
16166515 512000 2560 360 359 5.75 0
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16166540 640900 3338.54 360 359 6 0
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16166550 576000 2820 360 359 5.625 0
16166560 494495.33 2928.11 360 359 5.625 0
16166417 1000000 4479.17 360 359 5.125 0
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16166435 520000 2762.5 360 359 6.125 0
16166436 999117.72 6403.11 360 359 6.375 0
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16166321 649000 3317.71 360 359 5.875 0
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16166328 744000 4030 360 359 6.25 0
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16166395 650000 3588.54 360 359 6.375 0
16166407 900000 5416.67 360 359 6.25 0
16166411 432000 2250 360 359 6 0
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16166110 448500 2195.78 360 358 5.625 0
16166113 522104.13 2504.13 360 358 5.5 0
16166115 1359983.33 7083.25 360 358 6 0
16166116 650000 3182.29 360 358 5.625 0
16166121 451000 2161.04 360 358 5.5 0
16166122 545653 3012.46 360 358 6.375 0
16166125 423168 1807.28 360 358 4.875 0
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16166128 1500000 7187.5 360 359 5.5 0
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2026 1186926936 6351598.85 360 359 5.970 0.001
LOAN_SEQ MSERV XXXX_XXX XXXXXXX_XXXXX_XXXXXX XXXX0 XXXXX ZIP_CODE PROPTYPE
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
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16046701 0 0.25 6.375 XXXXXXX XX 00000 Single Family
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16046707 0 0.25 5.875 XXXXX XXXX XX 00000 PUD
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16046710 0 0.25 6 XXXXXXXXXX XX 00000 PUD
16046712 0 0.25 6 XXXXX XXXXXXXXX XX 00000 Single Family
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16046714 0 0.25 6.375 XXXXXX XX 00000 Single Family
16046715 0 0.25 6.25 XXXXXXX XX 00000 Condominium
16046482 0 0.25 5.125 XXXXX XX 00000 Single Family
16046498 0 0.25 5.875 XXXXXXXX XXXXXX XX 00000 PUD
16046505 0 0.25 5.5 XXXXXXXX XX 00000 PUD
16046511 0 0.25 6 XXXX XXXX XX 00000 Single Family
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16046521 0 0.25 6.375 XXXXXXX XX 00000 Condominium
16046541 0 0.25 6.125 XXX XXXX XXXXXX XX 00000 PUD
16046546 0 0.25 6.625 XXXXXXXX XXX XX 00000 Single Family
16046550 0 0.25 6.625 XXXXXXX XXXXX XX 00000 Condominium
16046562 0 0.25 5.875 XXX XXXXXXX XX 00000 Single Family
16046570 0 0.25 6.25 XXXXX XX 00000 Condominium
16046579 0 0.375 6.125 XXXX XXXXXXX XX 00000 Single Family
16046587 0 0.25 5.875 XXXXX XXXXX XX 00000 Single Family
16046597 0 0.25 6.25 XXXXXXXX XX 00000 Single Family
16046606 0 0.25 5.875 XXXXXXXXXX XX 00000 PUD
16046615 0 0.25 5.875 XXXXX XX 00000 Single Family
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16046649 0 0.25 5 XXXXXX XX 00000 PUD
16046651 0 0.375 6.75 XXXXXX XX 00000 PUD
16046655 0 0.25 6.375 XXX XXXXXXX XX 00000 Condominium
16046663 0 0.25 5.875 XXXXXX XX 00000 Single Family
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16046675 0 0.25 6.5 XXXX XXXXX XX 00000 Single Family
16046682 0 0.25 5.25 XXXXXXX XX 00000 PUD
16046693 0 0.25 6.25 XXXXXX XX 00000 PUD
16046698 0 0.25 5.375 XXXXXXXXX XX 0000 Single Family
16046711 0 0.25 5.5 XXX XXXXXXXXX XX 00000 Condominium
16046720 0 0.25 6.125 XX XXXXXX XX 00000 PUD
16046729 0 0.25 5.75 XXXXXXXXX XX 00000 Single Family
16046730 0 0.25 5.875 XXXXX XXXXXXX XX 0000 Single Family
16046738 0 0.25 5.125 XXXXXXXX XXXXX XX 00000 Single Family
16046747 0 0.25 5.875 XXXXXXXXXXXX XX 00000 PUD
16046763 0 0.25 6.25 XXXXXXX XX 00000 Single Family
16046766 0 0.25 6.25 XXXXXXXXXX XX 00000 PUD
16046767 0 0.25 5.875 XXX XXXX XX 00000 Single Family
16046768 0 0.25 5.75 XX.XXXXXX XX 00000 2-4 Family
16046770 0 0.25 5.5 XXXXXX XX 00000 Single Family
16046771 0 0.375 6.875 XXX XXXXX XX 00000 PUD
16046773 0 0.375 5.5 XXXX XX XXXXX XX 00000 Single Family
16046779 0 0.25 4.875 XXXXXXXXXXX XX 00000 Single Family
16046782 0 0.25 6.5 XXXXXXXX XXXX XX 00000 PUD
16046807 0 0.25 6.75 XXXXXXXX XX 0000 Single Family
16046815 0 0.25 6.375 XXXXXXXXXX XX 00000 Single Family
16046821 0 0.25 6.5 XXXXXX XX 00000 Single Family
16046826 0 0.25 5.875 XXX XXXXX XX 00000 2-4 Family
16046739 0 0.25 5.875 XXXXXX XX 00000 Single Family
16046740 0 0.25 6.375 XXXXXXXXX XX 00000 Single Family
16046741 0 0.25 6.375 XXXXXX XXXX XXXXXX XX 00000 PUD
16046742 0 0.25 5.875 XXXXXXXXXX XX 00000 Single Family
16046743 0 0.25 6.375 XXXXXXXX XX 00000 PUD
16046744 0 0.25 5.875 XXXXXXXXXX XX 00000 Condominium
16046746 0 0.25 6 XXXXXXXX XX 00000 PUD
16046748 0 0.25 5.375 XXXXXX XXXX XX 00000 Single Family
16046750 0 0.25 5.75 XXXXXXXXX XX 00000 Single Family
16046751 0 0.25 6 XXXX XX 00000 Single Family
16046752 0 0.25 6 XXXXX XX 00000 Single Family
16046753 0 0.25 6.375 XXXXXXXX XX 00000 PUD
16046754 0 0.25 6.125 XXXXXXXX XX 00000 PUD
16046755 0 0.25 6.25 XXX XXXXXXX XX 00000 Single Family
16046756 0 0.25 7.25 XXXX XX 00000 2-4 Family
16046759 0 0.25 6.5 XXXXXX XX 00000 Single Family
16046760 0 0.25 5.5 XXXX XXXX XX 00000 2-4 Family
16046761 0 0.25 6.875 PLAINFIELD VT 5667 Single Family
16046762 0 0.25 5.75 XXXXXX XX 00000 Single Family
16046764 0 0.25 5.5 XXXXXXX XX 00000 Single Family
16046765 0 0.25 5.875 XXXXXXXXX XX 00000 PUD
16046769 0 0.25 6.875 XXXXXXXX XXXXXX XX 00000 Single Family
16046772 0 0.25 6 XXXXX XXX XXXXXXXXX XX 00000 Single Family
16046774 0 0.25 6.25 XXXXXXXXX XX 00000 PUD
16046775 0 0.25 6.75 XXXXXXX XX 00000 Single Family
16046776 0 0.375 6.375 XXXXXXXXXX XX 00000 PUD
16046777 0 0.25 6.625 XXXXXXX XX 00000 Condominium
16046778 0 0.25 6.25 XXX XXXXXXXXX XX 00000 Single Family
16046780 0 0.375 6.75 XXXXXX XX 00000 Single Family
16046781 0 0.25 7 XXX XXXX XX 00000 2-4 Family
16046784 0 0.375 6.25 XXX XXXXXXXXX XX 00000 Single Family
16046785 0 0.25 6.5 XXX XXXXXXXXX XX 00000 Condominium
16046786 0 0.375 7.125 XXXXXX XXXXX XX 00000 Single Family
16046787 0 0.375 6.125 XXXXX XXXXXXXX XX 00000 Single Family
16046788 0 0.25 6.5 XXXXXXXXXX XX 00000 Single Family
16046789 0 0.375 5.875 XXXXX XXXXX XX 00000 Single Family
16046790 0 0.25 6.875 XXX XXXXX XX 00000 Single Family
16046791 0 0.25 6 XXX XXXX XX 00000 Condominium
16046792 0 0.25 5.5 XXXXXXX XX 00000 Condominium
16046793 0 0.25 5.875 XXXXXXXX XX 00000 Single Family
16046794 0 0.25 6.75 XXXXXXXXX XX 00000 Condominium
16046796 0 0.25 6.375 XXXXXX XX 00000 Single Family
16046797 0 0.25 6.25 XXXX XXX XX 0000 2-4 Family
16046798 0 0.25 6.125 XXXXXXXXXX XX 00000 Single Family
16046799 0 0.25 6 XXX XXXX XXXXXX XX 00000 PUD
16046800 0 0.25 6.75 XXXXX XXXX XX 00000 PUD
16046801 0 0.25 6.625 XXXXXXXXXX XX 00000 Single Family
16046802 0 0.25 5.875 XXX XXXX XX 00000 Condominium
16046803 0 0.25 6.25 XXXXXXXXXXX XX 00000 PUD
16046804 0 0.25 6 XXXXXX XXXXX XX 00000 PUD
16046805 0 0.25 6.875 XXXXXXXX XX 00000 PUD
16046806 0 0.25 6.125 XXXXXXXX XX 0000 Single Family
16046808 0 0.375 5.5 XXXXXXX XX 00000 Single Family
16046809 0 0.25 5.875 XXXXX XX 00000 Condominium
16046810 0 0.25 5.875 XXXXXXXX XX 00000 Single Family
16046811 0 0.25 5.5 XXXXXXXXX XX 00000 PUD
16046812 0 0.25 6.125 XXXXXXXX XX 00000 Single Family
16046813 0 0.25 5.5 XXXXXXXXXX XX 00000 Single Family
16046814 0 0.25 6.375 XXXXXX XX 00000 Single Family
16046817 0 0.25 6.25 XXXXXXXX XX 00000 Condominium
16046818 0 0.25 6.5 XXX XXXXXXX XXXX XX 00000 Single Family
16046819 0 0.25 6.875 XXXXXXXX XX 00000 PUD
16046820 0 0.25 6.125 XXXXXX XX 00000 Single Family
16046822 0 0.25 6.875 XXXXXX XX 00000 Single Family
16046823 0 0.25 6.25 XXXX XXXXX XX 00000 2-4 Family
16046824 0 0.25 6.25 XXXXXXXX XX 00000 Single Family
16046825 0 0.25 6.875 LYNN MA 1902 2-4 Family
16046827 0 0.25 5.875 XXXX XXXXX XX 00000 PUD
16046716 0 0.25 5.875 XXXXX XXXX XX 00000 Single Family
16046718 0 0.375 6.25 XXXXX XXX XXXXXXXXX XX 00000 Single Family
16046719 0 0.25 5.875 XXXXXXXXX XX 00000 Single Family
16046721 0 0.25 6.625 XXXXX XX 00000 Single Family
16046722 0 0.25 5.875 XXXXXXXX XX 00000 Single Family
16046723 0 0.25 6 XXXXXXXX XX 00000 Single Family
16046724 0 0.375 6.625 XXXXXXX XX 00000 Single Family
16046725 0 0.25 6.875 XXX XXXXX XX 00000 Condominium
16046726 0 0.25 6 XXXXXXX XX 00000 Single Family
16046727 0 0.25 6.75 XXXXXX XXXX XX 00000 PUD
16046728 0 0.25 6.75 XXXXX XX 00000 Condominium
16046731 0 0.25 6.125 XXXXXXX XX 00000 Single Family
16046732 0 0.25 5.875 XXXXXXXXX XX 00000 Single Family
16046733 0 0.25 6 XXXXXXXX XXXXXXX XX 00000 PUD
16046734 0 0.25 6.25 XXXX XXXXXXXXXX XX 00000 Single Family
16046736 0 0.25 6.375 XXXXXXXX XX 00000 Single Family
16046737 0 0.25 6.5 XXXXXXXXXXXX XX 00000 Condominium
16046465 0 0.25 6.125 XXXXXXXX XX 00000 PUD
16046466 0 0.25 6 XXXXXX XX 00000 Single Family
16046467 0 0.25 5.875 XXXXXXXXXX XX 00000 Townhouse
16046468 0 0.25 6.5 XXXXXXX XX 00000 Single Family
16046469 0 0.25 6.5 XXXXXXX XX 00000 Condominium
16046470 0 0.25 6.875 XXXXXXXX XXXXX XX 00000 Condominium
16046471 0 0.25 6 XXXXXX XX 00000 Single Family
16046472 0 0.375 5.875 XXXXX XXXXXX XX 00000 Single Family
16046473 0 0.375 6.75 XXXX XXXXX XX 00000 PUD
16046474 0 0.25 5.875 XXXXXXXXXXXX XX 00000 Single Family
16046475 0 0.25 6.625 XXXXXX XX 00000 Single Family
16046476 0 0.25 5.625 XX XXXX XX 00000 Single Family
16046477 0 0.25 6 XXX XXXXXXX XX 00000 Single Family
16046478 0 0.25 6.625 XXXXXXX XX 00000 Single Family
16046479 0 0.25 5.375 XXXXXXXX XX 00000 Single Family
16046480 0 0.25 6.875 XXXX XXXX XX 00000 Single Family
16046481 0 0.25 5.875 XXXXXXXXXX XX 00000 Single Family
16046483 0 0.25 5.75 XXX XXXX XX 00000 Condominium
16046485 0 0.25 5.875 XXXXXXX XX 00000 Single Family
16046486 0 0.25 7 XXX XXXXXXXXX XX 00000 Condominium
16046487 0 0.25 6.125 XXXXXXXXXXXX XX 00000 Single Family
16046488 0 0.25 6.375 XXXXXX XXXXXXX XX 00000 2-4 Family
16046489 0 0.25 6.125 XXXXXXXXXXX XX 00000 Single Family
16046491 0 0.25 5.125 XXXXX XX 00000 PUD
16046492 0 0.25 7.125 XXXXXXX XX 00000 Single Family
16046493 0 0.25 5.875 XXXXXXXXXX XXXXX XX 00000 Single Family
16046494 0 0.25 6.375 XXXXXXXXXX XX 00000 PUD
16046496 0 0.25 5.75 XXXXXXXXXXXXX XX 00000 PUD
16046497 0 0.25 5.75 XXXXXXXXXX XX 00000 Condominium
16046499 0 0.25 6.125 XXXXXXX XX 00000 Single Family
16046500 0 0.25 7.25 XXXXXX XX 00000 Condominium
16046501 0 0.25 6.375 XXXXXX XX 00000 PUD
16046502 0 0.25 6.75 XXX XXXXXXXXX XX 00000 Single Family
16046503 0 0.25 5.875 XXXXXX XX 00000 Single Family
16046506 0 0.25 6.625 XXXXXXX XX 00000 Single Family
16046507 0 0.25 6.25 LYNN MA 1902 2-4 Family
16046508 0 0.25 6.25 XXXX XXXXXX XX 00000 Single Family
16046509 0 0.25 5.875 XXXXXXXXXXXX XX 00000 Single Family
16046510 0 0.375 5.875 XXXXXXXX XX 0000 Condominium
16046512 0 0.25 6.25 XXXXXXXX XX 00000 Single Family
16046513 0 0.25 6.125 XXXXXX XXXXX XXXXXXX XX 00000 PUD
16046515 0 0.25 6.375 XXXXXXXXXX XXXX XX 00000 Single Family
16046516 0 0.375 6.5 XXXXXXX XX 00000 PUD
16046517 0 0.25 6 XXXXX XXXX XX 00000 Single Family
16046518 0 0.25 5.625 XXXXXXX XX 00000 Single Family
16046519 0 0.25 6.25 XXXXXXXXX XX 00000 PUD
16046520 0 0.25 6.75 XXXXXXXX XX 00000 2-4 Family
16046522 0 0.25 6.125 XXXXXXX XXXXX XX 00000 PUD
16046524 0 0.25 5 XXXXXXX XX 00000 Condominium
16046643 0 0.375 6.25 XXXXXXXX XX 00000 PUD
16046647 0 0.25 6.625 XXXXXXX XX 00000 PUD
16046650 0 0.375 6.75 XXXXXXX XX 00000 2-4 Family
16046652 0 0.25 6 XXXXXXXXX XX 00000 Townhouse
16046653 0 0.25 6.375 XXXXXXXXX XX 0000 2-4 Family
16046654 0 0.25 6.375 XXXXXXX XX 00000 Single Family
16046656 0 0.25 6 XXX XXXXXXX XX 00000 PUD
16046657 0 0.25 6 XXX XXXXXXXXX XX 00000 Condominium
16046658 0 0.25 5.875 XXXX XXXX XX 00000 Single Family
16046659 0 0.25 5.625 XXXXXXXXX XX 00000 Single Family
16046660 0 0.25 5.875 XXXXX XX 00000 Single Family
16046661 0 0.25 6.125 XXXXXX XX 00000 Condominium
16046662 0 0.25 5.5 XX. XXXXXXXXXX XX 00000 Condominium
16046664 0 0.25 6.5 XXXXXXX XXXXXX XX 0000 Condominium
16046665 0 0.25 6.75 XXXXXXXXXX XX 00000 Single Family
16046666 0 0.25 6.125 XXXXXXXX XX 00000 Single Family
16046667 0 0.25 5.625 XXXXXXX XX 00000 Single Family
16046669 0 0.25 6.75 XXXXXXXXXXX XX 00000 Condominium
16046670 0 0.25 5.875 XXXXXXXXX XX 00000 Single Family
16046671 0 0.25 6.25 XXXXXXX XXXXXX XX 00000 Single Family
16046672 0 0.25 6.25 XXX XXXXXXX XX 00000 PUD
16046674 0 0.25 6.375 XXXXXXX XX 00000 Single Family
16046676 0 0.25 5.875 XXXXXXXXX XX 00000 PUD
16046678 0 0.25 5.5 XXXXXX XX 00000 Condominium
16046679 0 0.25 6.25 XXXXXXXXXXX XX 00000 Single Family
16046680 0 0.25 0.000 XXXXX XXXXX XXXXX XX 00000 Condominium
16046683 0 0.25 6.5 XXXXXXXXXXX XX 00000 Single Family
16046684 0 0.25 6 XXXXXXXXX XX 00000 PUD
16046685 0 0.25 5.875 XXX XXXXXXX XX 00000 Single Family
16046686 0 0.25 6.25 XXX XXXX XX 00000 2-4 Family
16046687 0 0.25 6.5 XXXX XX 00000 Condominium
16046688 0 0.25 6 XXXXXXX XX 00000 PUD
16046689 0 0.25 5.875 XXX XXXX XXXXXXXXXX XX 00000 Single Family
16046690 0 0.25 6.625 XXXXX XXXXX XX 00000 Condominium
16046691 0 0.25 6.625 XXXXXXX XX 00000 Single Family
16046692 0 0.25 6.125 XXXXXXX XXXX XX 00000 Single Family
16046694 0 0.375 6.25 XXXXXXX XXXX XX 00000 Single Family
16046695 0 0.25 6.75 XXXXXXX XX 00000 PUD
16046697 0 0.25 6.25 XXXXXXXX XX 00000 PUD
16046699 0 0.25 6.5 XXXX XXXXXXX XX 00000 PUD
16046598 0 0.25 6.5 XXXXXXX XX 00000 PUD
16046600 0 0.25 6.75 XXXXXXXXX XX 00000 Townhouse
16046601 0 0.25 5.875 XXX XXXXXXX XX 00000 Condominium
16046602 0 0.25 6.625 XXXXXXXX XX 00000 PUD
16046603 0 0.25 6.5 XXXX XXXXXX XX 00000 Single Family
16046604 0 0.25 5.875 XXXXXX XXXXX XX 00000 Single Family
16046605 0 0.25 5.375 XXX XXXXX XX 00000 2-4 Family
16046607 0 0.25 5.75 XXXXXX XX 00000 PUD
16046608 0 0.25 6.625 XXXX XXXXXXXXX XX 00000 Single Family
16046609 0 0.25 6.625 XXXXXXX XX 00000 Condominium
16046610 0 0.25 5.75 XXXXX XXX XXXXX XX 00000 PUD
16046612 0 0.375 6.375 XXXXXXX XXXXXX XX 00000 PUD
16046613 0 0.25 5.875 XXXXXXXX XX 00000 Single Family
16046614 0 0.25 6.875 XXXX XX. XXXXX XX 00000 Single Family
16046616 0 0.25 6.5 XXXXXXXXXXXX XX 00000 PUD
16046617 0 0.25 5.875 XXX XXXXXXXX XX 00000 Single Family
16046619 0 0.375 6.5 XXXXX XXXXX XX 00000 Condominium
16046620 0 0.25 5.75 XXXXXX XX 00000 Single Family
16046621 0 0.25 5.375 XXX XXXXX XX 00000 Condominium
16046622 0 0.25 6.5 XXXXXXXXX XX 00000 Single Family
16046623 0 0.25 6.875 XXXXXXXXXX XX 00000 PUD
16046624 0 0.25 7.5 XXXXXXX XX 00000 Single Family
16046625 0 0.25 5.875 XXX XXXXX XX 00000 PUD
16046626 0 0.375 6.25 XXXXXXXXX XX 00000 Single Family
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15830580 0 0.25 4.875 XXXXXXXX XX 00000 Single Family
15830659 0 0.25 4.875 XXXXX XXXXX XX 00000 Single Family
15830691 0 0.25 5.375 XXXXXXXX XX 00000 Single Family
15830692 0 0.25 5.125 XXX XXXX XX 00000 Condominium
15830779 0 0.25 5.5 XXXXXX XX 00000 Single Family
15830881 0 0.25 6.5 XXXXXXXXXX XX 00000 Condominium
15830883 0 0.25 6.125 XXXXXXXXXX XX 00000 Condominium
15830956 0 0.25 5.5 XXXXXXXXX XX 00000 Single Family
15830987 0 0.25 4.875 XXX XXXXXXXX XX 00000 Condominium
15831159 0 0.25 6.125 XXXXXXXXXXX XX 00000 Single Family
15831162 0 0.25 5.75 XXXXXXXX XX 00000 Single Family
15831298 0 0.25 5 XXXXXXX XX 00000 Single Family
15831306 0 0.25 4.875 XXXXXX XXXXX XX 0000 Single Family
15831355 0 0.25 5 XXXXXXXX XXXXXXX XX 00000 Single Family
15831373 0 0.25 5 XXXXXXX XX 00000 Single Family
15831471 0 0.25 5.75 XXX XXXXX XX 00000 Condominium
15831507 0 0.25 5 XXXXXX XX 00000 Single Family
15831577 0 0.25 5.625 XXXXXXX XX 00000 Condominium
15831602 0 0.25 5.875 XXXXXXXXX XX 00000 Condominium
15831626 0 0.25 5.625 XXXXXXX XX 00000 Single Family
15831665 0 0.25 5.875 XXXXXXX XX 00000 Single Family
15831684 0 0.25 5.875 XXXXX XXX XXXXX XX 00000 Single Family
15831701 0 0.25 5.875 XXXXXX XX 00000 Single Family
16019791 0 0.25 5.125 XXX XXXXXXX XX 00000 Condominium
16019841 0 0.25 5.125 XXXXXX XX 00000 Single Family
16019844 0 0.25 5 XXXX XXXXX XX 00000 Single Family
16020328 0 0.25 5.125 XXX XXXXXX XX 00000 Single Family
16020419 0 0.25 5.25 XXXXXXX XX 00000 Single Family
16020619 0 0.25 5.125 XXXXXX XXXXX XX 00000 Condominium
16020700 0 0.25 5.25 XXXXXXXX XX 00000 Single Family
16020753 0 0.25 5.25 XXXXXXXXXX XX 0000 Single Family
16020805 0 0.25 5.25 XXXXXXX XX 00000 Single Family
16020911 0 0.25 4.25 XXXXXXXXXX XX 00000 Single Family
16166788 0 0.25 6 XXXXXX XX 00000 PUD
16166791 0 0.25 6.5 XXXX XXXX XX 00000 PUD
16166795 0 0.25 6.625 XXXXXXXXX XX 00000 Single Family
16166796 0 0.25 6.5 XXXXXXXXX XX 00000 PUD
16166748 0 0.25 6.375 XXXXXXX XXXXXX XX 00000 Single Family
16166762 0 0.25 6.625 XXXXXXXXX XX 00000 Single Family
16166772 0 0.25 5.875 XXXXXX XX 00000 Single Family
16166776 0 0.25 6.25 XXXXXXX XX 00000 Single Family
16166781 0 0.25 6 XXXXXXXXXXXXXX XX 00000 PUD
16166782 0 0.25 6 XXXXXXX XX 00000 Single Family
16166787 0 0.25 6.625 XXXXXXXXX XX 00000 Single Family
16166737 0 0.25 0 XX XXXXXX XXXXX XX 00000 Single Family
16166621 0 0.25 5.5 XXXXXXX XX 00000 PUD
16166639 0 0.25 6.875 XXXXXXXXX XX 0000 Single Family
16166641 0 0.25 6.5 XXX XXXXXXX XX 00000 Condominium
16166645 0 0.25 6.375 XXXXXXXXXX XX 00000 Single Family
16166660 0 0.25 0.000 XXXX XX XXXXXXX XXXXXX XX 00000 PUD
16166664 0 0.25 6.375 XXXXX XXXXXXXX XX 00000 Single Family
16166666 0 0.25 6.375 XXX XXXXX XX 00000 Single Family
16166669 0 0.25 6.25 XXXXXXXXXXX XX 00000 PUD
16166670 0 0.25 6.625 XXX XXXXXXX XX 00000 Single Family
16166672 0 0.25 6.375 XXXXXX XX 00000 PUD
16166679 0 0.25 6.125 XXXXXXX XX 00000 Single Family
16166682 0 0.25 5.75 XXXXXX XX 00000 PUD
16166683 0 0.25 6 XXXXXXX XX 00000 Single Family
16166686 0 0.25 6.375 XXXXXXXX XX 00000 Single Family
16166689 0 0.25 5.75 XXXXX XXXXX XX 00000 PUD
16166695 0 0.25 6.75 XXXXXXXXXX XX 00000 Single Family
16166698 0 0.25 6.5 XXXXXXXXX XX 00000 PUD
16166702 0 0.25 6.5 XXXXXXX XX 00000 PUD
16166711 0 0.25 5.875 XXXXXX XXXXX XX 00000 PUD
16166716 0 0.25 6.5 XXXXXX XX 00000 PUD
16166725 0 0.25 6 XXXX XXX XX 0000 2-4 Family
16166729 0 0.25 6.25 XXXXXXXX XXXX XX 00000 Single Family
16166616 0 0.25 6.25 XXXXXXXXXXX XX 00000 PUD
16166593 0 0.25 5.625 XXXXX XXXXXXX XX 00000 Single Family
16166595 0 0.25 6 XXX XXXXX XX 00000 Condominium
16166610 0 0.25 6.75 XXXXX XXXXX XX 00000 Single Family
16166613 0 0.25 5.75 XXXXXXX XXXX XX 00000 Single Family
16166614 0 0.25 6.375 XXXXXX XX 00000 Single Family
16166577 0 0.25 6.5 XXXXXXXX XXXX XX 00000 Single Family
16166579 0 0.25 6.375 XXXXXXXX XX 00000 Single Family
16166580 0 0.25 6.125 XXXXXXX XX 00000 PUD
16166454 0 0.25 6.25 XXXXXXX XX 00000 Single Family
16166458 0 0.25 6.75 XXXXXXXXXXXX XX 00000 PUD
16166459 0 0.25 0 XXXX XXXXXXXXX XX 0000 Single Family
16166460 0 0.25 6.375 XXX XXXXXXXXX XX 00000 Single Family
16166467 0 0.25 6.5 XXXXXX XX 00000 Condominium
16166469 0 0.25 6.5 XXXXX XX 00000 PUD
16166470 0 0.25 5.875 XXX XXXX XX 00000 PUD
16166474 0 0.25 6.125 XXXXXX XX 00000 Single Family
16166477 0 0.25 6.875 XXXXXX XX 00000 Single Family
16166488 0 0.25 5.5 XXXXXXX XX 00000 Single Family
16166494 0 0.25 6.125 XXXXXXX XX 00000 Single Family
16166515 0 0.25 6 XXXXXXXXXX XX 00000 Single Family
16166518 0 0.25 6.375 XXXXXXXXX XX 00000 Single Family
16166519 0 0.25 6 XXX XXXXX XX 00000 Condominium
16166521 0 0.25 6.25 XXXX XXXXXXX XX 00000 Single Family
16166522 0 0.25 6 XXXXXXXX XX 00000 PUD
16166523 0 0.25 6.375 XXXXXX XXXXXXX XX 00000 PUD
16166524 0 0.25 6.5 XXXXXX XXXXX XX 00000 Single Family
16166526 0 0.25 6.25 XXX XXXXX XX 00000 PUD
16166533 0 0.25 6.5 XXXXXX XX 00000 Single Family
16166539 0 0.25 6.75 XXXXXXXXXXXX XX 00000 Condominium
16166540 0 0.25 6.25 XXXX XX XXXX XX 00000 Condominium
16166544 0 0.25 6.125 XXXXXXXXXX XXXXX XX 00000 Condominium
16166545 0 0.25 6.375 XXXXXX XX 00000 Single Family
16166550 0 0.25 5.875 XXXXX XXXX XX 00000 Single Family
16166560 0 0.25 5.875 XXXXX XXXXXXXX XX 00000 Condominium
16166417 0 0.25 5.375 XXX XXXX XXXXXXXXXX XX 00000 PUD
16166419 0 0.25 5.875 XXXXXXX XX 00000 Single Family
16166421 0 0.25 6.25 XXXXXXXXX XX 00000 Single Family
16166425 0 0.25 5.875 XXXXXXXX XX 00000 Single Family
16166426 0 0.25 5.5 XXXXXX XXXXXX XX 00000 PUD
16166428 0 0.25 6 XXXXXXXXX XX 00000 Single Family
16166435 0 0.25 6.375 XXXXXX XX 00000 Single Family
16166436 0 0.25 6.625 XXXXXXXXXXXX XX 00000 PUD
16166443 0 0.25 6 XXX XXXX XX 00000 Single Family
16166449 0 0.25 6.625 XXXXXXXX XX 00000 Single Family
16166319 0 0.25 6.125 XXXXXXX XX 00000 Single Family
16166321 0 0.25 6.125 XXXXXX XXXXXXX XX 00000 PUD
16166323 0 0.25 6.5 XXX XXXXX XX 00000 PUD
16166327 0 0.25 5.625 XXXXXXX XXXX XX 00000 PUD
16166328 0 0.25 6.5 XXXXXXX XX 00000 PUD
16166336 0 0.25 5.5 XXXXXXX XX 00000 Single Family
16166340 0 0.25 6.375 XXXXXXX XXXXX XX 00000 Single Family
16166344 0 0.25 5.875 XXX XXXXX XX 00000 PUD
16166349 0 0.25 6.25 XXXXXXXXX XX 0000 Single Family
16166353 0 0.25 5.5 XXXXXXXX XX 00000 PUD
16166359 0 0.25 6 XXXXXXXX XX 00000 Single Family
16166364 0 0.25 6.5 XX XXXXXXX XX 00000 Condominium
16166377 0 0.25 6.75 XX XXXXXX XX 00000 PUD
16166378 0 0.25 6.125 XXXXXXXXXXX XX 00000 PUD
16166379 0 0.25 6.5 XXXXXXXXX XX 00000 Single Family
16166380 0 0.25 5.75 XXX XXXXXX XX 0000 Single Family
16166389 0 0.25 5.75 XXXXXXXXXXX XX 00000 Single Family
16166390 0 0.25 5.875 XXXXXXXX XXXX XX 00000 Condominium
16166395 0 0.25 6.625 XXX XXXXX XX 00000 Single Family
16166407 0 0.25 6.5 XXX XXXXXXXXX XX 00000 2-4 Family
16166411 0 0.25 6.25 XXXXXXXXXX XX 00000 PUD
16166289 0 0.25 5.5 XXXXXX XXXX XX 00000 Single Family
16166296 0 0.25 5.625 XXXXXXXXXX XX 00000 PUD
16166310 0 0.25 5.25 XXXXXXXX XXXX XX 00000 PUD
16166313 0 0.25 5.875 XXXXXXXX XX 00000 Single Family
16166315 0 0.25 5.625 XXXXXXXXXXXX XX 00000 PUD
16166318 0 0.25 6.875 XXXXXX XX 00000 Single Family
16166098 0 0.25 6.375 XXX XXXXX XX 00000 Single Family
16166102 0 0.25 5.5 XXXXXXXX XX 00000 PUD
16166104 0 0.25 6.375 XXXX XXXXX XX 00000 Single Family
16166106 0 0.25 6 BATAVIA IL 60510 PUD
16166107 0 0.25 6.25 XXX XXXXXX XX 0000 Single Family
16166108 0 0.25 5.625 XX XXXXXX XXXXX XX 00000 PUD
16166110 0 0.25 5.875 XXXXX XXXXX XX 00000 Single Family
16166113 0 0.25 5.75 XXXXXXXX XXXXX XX 00000 Single Family
16166115 0 0.25 6.25 XXXXXXX XXXXX XX 00000 PUD
16166116 0 0.25 5.875 XXXXXXXXXXX XX 00000 PUD
16166121 0 0.25 5.75 XXXXXXX XX 00000 PUD
16166122 0 0.25 6.625 XXXXXX XXXXXX XX 00000 PUD
16166125 0 0.25 5.125 XXX XXXXX XX 00000 PUD
16166127 0 0.25 6.25 XXXXXX XX 00000 Single Family
16166128 0 0.25 5.75 XXXXXX XX 00000 Single Family
16166135 0 0.25 5.875 XXXXXX XXXXX XX 00000 PUD
16166136 0 0.25 6 XXXXXX XX 00000 PUD
16166138 0 0.25 6.125 XXXXXX XX 00000 Condominium
16166142 0 0.25 6.125 XXXX XX 00000 Single Family
16166143 0 0.25 6.5 XXXXXXXXXX XX 00000 PUD
16166145 0 0.25 6.25 XXXXXXX XX 00000 Single Family
16166147 0 0.25 5.875 XXXXXXX XXXXX XX 00000 PUD
16166148 0 0.25 0.000 XXXXX XXXXXXXXX XX 0000 Single Family
16166151 0 0.25 6.125 XXXXXXXX XX 00000 Single Family
16166152 0 0.25 6.5 XXXXXXXXXXX XX 0000 Single Family
16166155 0 0.25 6.875 XXXXX XXXXX XX 00000 Single Family
16166159 0 0.25 5.75 XXXXXX XX 00000 PUD
16166160 0 0.25 5.5 XXXXXXXXXX XX 00000 Condominium
16166161 0 0.25 6.875 XXXXXXXXX XX 00000 PUD
16166163 0 0.25 5.875 XXXXX XXXX XX 00000 Single Family
16166164 0 0.25 6.5 XXXXXX XX 00000 Single Family
16166167 0 0.25 6 XXXXXXX XX 00000 PUD
16166168 0 0.25 6.375 XXX XXXXXX XX 00000 Condominium
16166170 0 0.25 6.125 XXXXXXXX XX 00000 PUD
16166175 0 0.25 6.125 XXXXXXXXX XX 00000 PUD
16166176 0 0.25 6.25 XXXXXXXXXXX XX 00000 PUD
16166178 0 0.25 6.5 FT XXXXX XX 00000 PUD
16166189 0 0.25 6.375 XXXXXXX XXXXX XX 00000 Single Family
16166194 0 0.25 6.125 XXXXXXXX XX 00000 PUD
16166197 0 0.25 6.25 XXXXXXX XX 00000 Single Family
16166200 0 0.25 6.625 XXXXXXX XX 00000 PUD
16166201 0 0.25 6.5 XXXXXXX XX 00000 PUD
16166202 0 0.25 5.5 XXXXXX XX 00000 Single Family
16166203 0 0.25 6.375 XXXXXX XX 00000 PUD
16166204 0 0.25 5.875 XXXXX XXXXX XX 00000 Condominium
16166207 0 0.25 6.25 XXXX XXXXX XX 00000 Single Family
16166213 0 0.25 6.625 XXXXX XXXXXXX XX 00000 Single Family
16166217 0 0.25 0 XXXXXX XXXXX XXXX XX 00000 Condominium
16166218 0 0.25 5.75 XXXXX XX 00000 PUD
16166220 0 0.25 6 XXXXX XXXXXXXXX XXXX XX 00000 Single Family
16166223 0 0.25 6.25 XXX XXXXXXXX XX 00000 PUD
16166225 0 0.25 6.5 XXXXXX XX 00000 Single Family
16166232 0 0.25 6.125 XXXXXXXXXX XX 00000 Condominium
16166234 0 0.25 5.875 XXXXXXXXX XX 00000 PUD
16166235 0 0.25 5.5 XXXXXX XX 00000 PUD
16166237 0 0.25 6.875 XXXXXXX XX 00000 PUD
16166238 0 0.25 5.625 XXXXXXXX XX 00000 Single Family
16166245 0 0.25 6.25 XXXXXXXXX XX 00000 Condominium
16166247 0 0.25 6.75 XXXXXX XX 00000 Single Family
16166249 0 0.25 5.875 XXXXX XXXXX XX 00000 Condominium
16166255 0 0.25 6.5 XXX XXXXXXX XX 00000 Condominium
16166267 0 0.25 6.125 XXXXXX XXXXX XX 00000 Condominium
16166069 0 0.25 5.75 XXXXXX XX 00000 Condominium
16166074 0 0.25 6 XXX XXXXXXX XX 00000 Condominium
16166083 0 0.25 6.25 XXX XXXX XX 00000 Condominium
16166092 0 0.25 7 XXXXXXXXXX XX 00000 PUD
2026 0.000 0.252 6.224
LOAN_SEQ MATURITY_DATE ORIGINAL_BALANCE FIRST_PAY_DATE LOAN_TO_VALUE MI MERS_ID1
------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
16046700 20360201 223500 20060301 72.09999847 No MI
16046701 20360201 130400 20060301 80 No MI
16046702 20360201 525000 20060301 75 No MI
16046703 20360201 200000 20060301 80 No MI
16046704 20360101 528000 20060201 80 No MI
16046705 20360101 161836 20060201 80 No MI
16046706 20360201 449000 20060301 69.18000031 No MI
16046707 20360201 905000 20060301 56.56000137 No MI
16046708 20360201 636000 20060301 80 No MI
16046709 20360201 314121 20060301 80 No MI
16046710 20360201 174400 20060301 80 No MI
16046712 20360201 195300 20060301 70 No MI
16046713 20360201 487500 20060301 75 No MI
16046714 20360101 505000 20060201 74.69999695 No MI
16046715 20360201 750000 20060301 78.94999695 No MI
16046482 20350901 701600 20051001 79.91000366 No MI
16046498 20351201 788000 20060101 80 No MI
16046505 20350701 344000 20050801 70.93000031 No MI
16046511 20360101 785000 20060201 69.77999878 No MI
16046514 20360101 880000 20060201 76.51999664 No MI
16046521 20351201 1409600 20060101 79.98000336 No MI
16046541 20360101 447200 20060201 80 No MI
16046546 20360101 525000 20060201 75 No MI
16046550 20360101 570000 20060201 75 No MI
16046562 20351201 340016 20060101 80 No MI
16046570 20360101 260000 20060201 80 No MI
16046579 20360101 512000 20060201 80 No MI
16046587 20360101 856000 20060201 80 No MI
16046597 20360101 201875 20060201 85 United Guaranty
16046606 20360101 475000 20060201 59.00999832 No MI
16046615 20360101 424000 20060201 79.94000244 No MI
16046618 20360101 670000 20060201 49.63000107 No MI
16046644 20360101 434000 20060201 60.70000076 No MI
16046645 20360101 719110 20060201 80 No MI
16046646 20350901 499500 20051001 89.83999634 PMI
16046648 20351101 431020 20051201 80 No MI
16046649 20350801 560000 20050901 74.66999817 No MI
16046651 20360201 696400 20060301 80 No MI
16046655 20360101 562500 20060201 75 No MI
16046663 20360101 1304000 20060201 80 No MI
16046673 20350501 245600 20050601 80 No MI
16046675 20360101 2800000 20060201 58.33000183 No MI
16046682 20350601 350000 20050701 59.83000183 No MI
16046693 20360101 508000 20060201 74.37999725 No MI
16046698 20360101 1700000 20060201 73.91000366 No MI
16046711 20350901 660000 20051001 80 No MI
16046720 20360101 480000 20060201 80 No MI
16046729 20350201 323595 20050301 79.30999756 No MI
16046730 20351201 560000 20060101 80 No MI
16046738 20350101 486000 20050201 62.31000137 No MI
16046747 20360101 440000 20060201 80 No MI
16046763 20360101 438750 20060201 75 No MI
16046766 20350801 290500 20050901 70 No MI
16046767 20350901 525000 20051001 56.75999832 No MI
16046768 20360101 297000 20060201 67.5 No MI
16046770 20360101 260000 20060201 52.13000107 No MI
16046771 20351201 1350000 20060101 64.29000092 No MI
16046773 20350701 206000 20050801 39.68999863 No MI
16046779 20350601 275000 20050701 46.22000122 No MI
16046782 20360101 551500 20060201 56.56000137 No MI
16046807 20351201 675924 20060101 54.95000076 No MI
16046815 20360101 1000000 20060201 54.04999924 No MI
16046821 20360101 144000 20060201 80 No MI
16046826 20351201 336000 20060101 38.84000015 No MI
16046739 20360201 500000 20060301 78.73999786 No MI
16046740 20360201 1430000 20060301 65 No MI
16046741 20360101 432000 20060201 80 No MI
16046742 20360201 483750 20060301 75 No MI
16046743 20360201 352000 20060301 80 No MI
16046744 20360201 144000 20060301 80 No MI
16046746 20360101 208000 20060201 80 No MI
16046748 20360101 975000 20060201 75 No MI
16046750 20360101 493100 20060201 58.70000076 No MI
16046751 20360201 220000 20060301 80 No MI
16046752 20360101 488000 20060201 80 No MI
16046753 20360201 496000 20060301 80 No MI
16046754 20360101 687629 20060201 80 No MI
16046755 20360101 450000 20060201 73.76999664 No MI
16046756 20360201 226000 20060301 68.48000336 No MI
16046759 20360201 212000 20060301 73.09999847 No MI
16046760 20360201 720000 20060301 80 No MI
16046761 20360201 201400 20060301 79.91999817 No MI
16046762 20360201 109200 20060301 80 No MI
16046764 20360101 464000 20060201 68.73999786 No MI
16046765 20360201 259960 20060301 80 No MI
16046769 20360101 650000 20060201 74.29000092 No MI
16046772 20360201 578800 20060301 80 No MI
16046774 20360101 520000 20060201 63.40999985 No MI
16046775 20360201 250000 20060301 77.63999939 No MI
16046776 20360201 550000 20060301 50 No MI
16046777 20360201 407550 20060301 65 No MI
16046778 20360201 600000 20060301 75 No MI
16046780 20360201 417000 20060301 79.43000031 No MI
16046781 20360101 398000 20060201 66.33000183 No MI
16046784 20360201 616800 20060301 80 No MI
16046785 20360101 565000 20060201 76.34999847 No MI
16046786 20360201 1840000 20060301 80 No MI
16046787 20360201 999000 20060301 71.36000061 No MI
16046788 20360201 104000 20060301 80 No MI
16046789 20360101 1000000 20060201 40 No MI
16046790 20360101 56880 20060201 80 No MI
16046791 20360201 364000 20060301 78.27999878 No MI
16046792 20360201 360000 20060301 80 No MI
16046793 20360201 725000 20060301 64.44000244 No MI
16046794 20360201 140000 20060301 80 No MI
16046796 20360101 615000 20060201 66.48999786 No MI
16046797 20360201 479600 20060301 71.05000305 No MI
16046798 20360101 554500 20060201 75.95999908 No MI
16046799 20360201 163000 20060301 58.20999908 No MI
16046800 20360201 650000 20060301 75.66999817 No MI
16046801 20360201 1000000 20060301 63.49000168 No MI
16046802 20360201 524600 20060301 80 No MI
16046803 20360201 176647 20060301 80 No MI
16046804 20360201 368200 20060301 50.79000092 No MI
16046805 20360201 121200 20060301 80 No MI
16046806 20360201 228000 20060301 80 No MI
16046808 20360201 127200 20060301 80 No MI
16046809 20360201 234000 20060301 69.84999847 No MI
16046810 20360101 684000 20060201 64.52999878 No MI
16046811 20360201 468000 20060301 80 No MI
16046812 20360201 84800 20060301 80 No MI
16046813 20360201 178800 20060301 80 No MI
16046814 20360101 700000 20060201 37.84000015 No MI
16046817 20360201 299920 20060301 80 No MI
16046818 20360201 489600 20060301 80 No MI
16046819 20360201 182400 20060301 80 No MI
16046820 20360201 585000 20060301 60.18999863 No MI
16046822 20360201 490000 20060301 70 No MI
16046823 20360101 265000 20060201 60.22999954 No MI
16046824 20360201 600000 20060301 75 No MI
16046825 20360101 350000 20060201 78.12999725 No MI
16046827 20360101 358376 20060201 80 No MI
16046716 20360201 152000 20060301 80 No MI
16046718 20360201 548000 20060301 80 No MI
16046719 20360101 850000 20060201 66.41000366 No MI
16046721 20360201 316000 20060301 80 No MI
16046722 20360101 647046 20060201 57.77000046 No MI
16046723 20360101 606018 20060201 75 No MI
16046724 20360201 600000 20060301 68.56999969 No MI
16046725 20360201 112000 20060301 70 No MI
16046726 20360201 183000 20060301 34.52999878 No MI
16046727 20360201 194420 20060301 80 No MI
16046728 20360201 143200 20060301 80 No MI
16046731 20360201 560000 20060301 80 No MI
16046732 20360201 110840 20060301 80 No MI
16046733 20360201 665000 20060301 76.87999725 No MI
16046734 20360201 487000 20060301 56.95999908 No MI
16046736 20360101 500000 20060201 68.04000092 No MI
16046737 20360201 177600 20060301 80 No MI
16046465 20360101 461783 20060201 40.15999985 No MI
16046466 20360101 1000000 20060201 70.41999817 No MI
16046467 20360101 300000 20060201 80 No MI
16046468 20360201 228000 20060301 80 No MI
16046469 20360101 184720 20060201 80 No MI
16046470 20360201 196000 20060301 80 No MI
16046471 20360201 368000 20060301 80 No MI
16046472 20360201 84000 20060301 80 No MI
16046473 20360201 469500 20060301 79.98000336 No MI
16046474 20360201 198351 20060301 49.59000015 No MI
16046475 20360101 45000 20060201 90 United Guaranty
16046476 20360201 135160 20060301 80 No MI
16046477 20360201 500000 20060301 32.25999832 No MI
16046478 20360101 559400 20060201 65.80999756 No MI
16046479 20360101 496000 20060201 80 No MI
16046480 20360201 600000 20060301 80 No MI
16046481 20360201 244800 20060301 80 No MI
16046483 20360201 423200 20060301 80 No MI
16046485 20360201 658000 20060301 57.97000122 No MI
16046486 20360201 757500 20060301 75 No MI
16046487 20360101 299999 20060201 80 No MI
16046488 20360101 375500 20060201 50.06999969 No MI
16046489 20360201 503250 20060301 75 No MI
16046491 20360201 370300 20060301 79.98999786 No MI
16046492 20360201 132000 20060301 80 No MI
16046493 20360201 750000 20060301 58.45999908 No MI
16046494 20360201 206250 20060301 75 No MI
16046496 20360201 169600 20060301 80 No MI
16046497 20360201 468750 20060301 75 No MI
16046499 20360101 441000 20060201 73.5 No MI
16046500 20360201 600000 20060301 76.91999817 No MI
16046501 20360201 171780 20060301 80 No MI
16046502 20360201 150000 20060301 18.75 No MI
16046503 20360201 242000 20060301 78.05999756 No MI
16046506 20360101 500000 20060201 80 No MI
16046507 20360201 325000 20060301 79 No MI
16046508 20360101 460000 20060201 80 No MI
16046509 20360201 243695 20060301 79.90000153 No MI
16046510 20360201 165000 20060301 80 No MI
16046512 20360201 950000 20060301 61.29000092 No MI
16046513 20360201 615500 20060301 76.94000244 No MI
16046515 20360201 266000 20060301 70 No MI
16046516 20360201 241500 20060301 80 No MI
16046517 20360201 399200 20060301 80 No MI
16046518 20360201 454934 20060301 80 No MI
16046519 20360201 128000 20060301 80 No MI
16046520 20360201 465000 20060301 69.91999817 No MI
16046522 20360101 524500 20060201 65.16000366 No MI
16046524 20360101 279920 20060201 80 No MI
16046643 20360201 910000 20060301 47.27000046 No MI
16046647 20360201 195000 20060301 75 No MI
16046650 20360201 427500 20060301 75 No MI
16046652 20360201 448000 20060301 80 No MI
16046653 20360101 220000 20060201 77.19000244 No MI
16046654 20360201 596000 20060301 80 No MI
16046656 20360201 440000 20060301 80 No MI
16046657 20360101 470000 20060201 73.44000244 No MI
16046658 20360201 483000 20060301 65.44999695 No MI
16046659 20360101 584000 20060201 80 No MI
16046660 20360101 507500 20060201 69.27999878 No MI
16046661 20360201 175920 20060301 80 No MI
16046662 20360201 85600 20060301 80 No MI
16046664 20360201 249500 20060301 77.97000122 No MI
16046665 20360201 1500000 20060301 55.56000137 No MI
16046666 20360201 543750 20060301 75 No MI
16046667 20360201 328000 20060301 80 No MI
16046669 20360201 122000 20060301 80 No MI
16046670 20360201 283920 20060301 80 No MI
16046671 20360201 395000 20060301 24.69000053 No MI
16046672 20360101 1381500 20060201 53.13000107 No MI
16046674 20360201 529000 20060301 50.38000107 No MI
16046676 20360201 500500 20060301 78.81999969 No MI
16046678 20360201 151600 20060301 80 No MI
16046679 20360201 291920 20060301 80 No MI
16046680 20360201 342000 20060301 80 No MI
16046683 20360101 488000 20060201 51.90999985 No MI
16046684 20360201 738506 20060301 59.79999924 No MI
16046685 20360101 408000 20060201 80 No MI
16046686 20360101 516000 20060201 64.91000366 No MI
16046687 20360201 144000 20060301 80 No MI
16046688 20360201 119920 20060301 80 No MI
16046689 20360201 600000 20060301 64.09999847 No MI
16046690 20360101 457000 20060201 69.23999786 No MI
16046691 20360201 64225 20060301 70 No MI
16046692 20360201 288000 20060301 80 No MI
16046694 20360201 480000 20060301 78.69000244 No MI
16046695 20360201 168435 20060301 80 No MI
16046697 20360101 385000 20060201 65.25 No MI
16046699 20360201 199000 20060301 79.91999817 No MI
16046598 20360201 1365000 20060301 70 No MI
16046600 20360201 52800 20060301 80 No MI
16046601 20360201 730000 20060301 73.73999786 No MI
16046602 20360201 190000 20060301 79.94999695 No MI
16046603 20360201 588000 20060301 80 No MI
16046604 20360101 800000 20060201 61.54000092 No MI
16046605 20360101 303750 20060201 75 No MI
16046607 20360101 554250 20060201 75 No MI
16046608 20360201 920000 20060301 80 No MI
16046609 20360201 157000 20060301 57.93000031 No MI
16046610 20360201 273829 20060301 62 No MI
16046612 20360101 582000 20060201 72.75 No MI
16046613 20360201 216000 20060301 80 No MI
16046614 20360201 171400 20060301 79.98000336 No MI
16046616 20360201 157756 20060301 80 No MI
16046617 20360101 955000 20060201 64.52999878 No MI
16046619 20360201 371296 20060301 80 No MI
16046620 20360101 467000 20060201 62.68000031 No MI
16046621 20360101 580000 20060201 80 No MI
16046622 20360201 300000 20060301 80 No MI
16046623 20360101 461792 20060201 80 No MI
16046624 20360201 248000 20060301 80 No MI
16046625 20360201 400000 20060301 73.38999939 No MI
16046626 20360101 528000 20060201 80 No MI
16046627 20360101 528000 20060201 80 No MI
16046628 20360201 149600 20060301 80 No MI
16046629 20360201 580000 20060301 80 No MI
16046630 20360101 424000 20060201 80 No MI
16046631 20360101 76800 20060201 80 No MI
16046632 20360201 232000 20060301 80 No MI
16046634 20360201 347956 20060301 80 No MI
16046635 20360201 96000 20060301 80 No MI
16046637 20360201 460000 20060301 79.87000275 No MI
16046638 20360201 227000 20060301 51.95000076 No MI
16046639 20360201 204000 20060301 80 No MI
16046640 20360201 445000 20060301 75.41999817 No MI
16046641 20360101 637500 20060201 75 No MI
16046642 20360201 256700 20060301 47.70999908 No MI
16046525 20360101 437000 20060201 53.54999924 No MI
16046526 20360201 144000 20060301 80 No MI
16046527 20360201 860000 20060301 47.77999878 No MI
16046528 20360101 550000 20060201 68.75 No MI
16046529 20360201 412500 20060301 51.56000137 No MI
16046530 20360101 560000 20060201 80 No MI
16046531 20360201 648000 20060301 90 Radian Guaranty
16046532 20360201 150000 20060301 59.02999878 No MI
16046533 20360201 480000 20060301 80 No MI
16046534 20360201 132000 20060301 80 No MI
16046535 20360201 192000 20060301 80 No MI
16046536 20360201 174400 20060301 80 No MI
16046537 20360201 250000 20060301 79.37000275 No MI
16046538 20360101 205000 20060201 68.33000183 No MI
16046540 20360201 615000 20060301 75 No MI
16046542 20360101 520000 20060201 80 No MI
16046543 20360101 700000 20060201 37.84000015 No MI
16046544 20360201 535600 20060301 80 No MI
16046545 20360101 144000 20060201 80 No MI
16046547 20360201 648000 20060301 80 No MI
16046548 20360101 424000 20060201 80 No MI
16046549 20360201 200000 20060301 80 No MI
16046551 20360201 650000 20060301 56.41999817 No MI
16046553 20360101 500000 20060201 79.55000305 No MI
16046555 20360201 427000 20060301 70 No MI
16046557 20360201 204000 20060301 80 No MI
16046558 20360201 730000 20060301 73 No MI
16046559 20360201 684000 20060301 80 No MI
16046560 20360101 88000 20060201 80 No MI
16046561 20360201 250000 20060301 50.31999969 No MI
16046563 20360101 532394 20060201 60.84999847 No MI
16046564 20360101 478280 20060201 80 No MI
16046565 20360201 138400 20060301 80 No MI
16046566 20360201 69700 20060301 85 Republic MIC
16046567 20360201 447920 20060301 80 No MI
16046568 20360101 523500 20060201 68.87999725 No MI
16046572 20360201 194850 20060301 90 GE Capital MI
16046573 20360101 603920 20060201 80 No MI
16046574 20360201 194000 20060301 79.47000122 No MI
16046575 20360101 650000 20060201 61.90000153 No MI
16046576 20360201 233635 20060301 80 No MI
16046578 20360101 547000 20060201 51.70000076 No MI
16046580 20360201 143016 20060301 80 No MI
16046581 20360201 200208 20060301 80 No MI
16046582 20360201 150000 20060301 20.11000061 No MI
16046583 20360201 452712 20060301 80 No MI
16046584 20360101 999999 20060201 43.47999954 No MI
16046585 20360101 999000 20060201 68.90000153 No MI
16046588 20360201 140000 20060301 80 No MI
16046591 20360101 198160 20060201 80 No MI
16046592 20360101 2837324 20060201 70.93000031 No MI
16046593 20360201 146320 20060301 80 No MI
16046594 20360201 220400 20060301 80 No MI
16046595 20360201 748000 20060301 68.62000275 No MI
16046596 20360201 400000 20060301 80 No MI
16127503 20360101 264190 20060201 75.69999695 No MI
16127504 20360101 124800 20060201 59.70999908 No MI
16127506 20360101 164000 20060201 80 No MI
16127507 20360101 164000 20060201 80 No MI
16127508 20360101 275000 20060201 71.43000031 No MI
16127509 20360101 351000 20060201 74.68000031 No MI
16127510 20360201 248005 20060301 80 No MI
16127511 20360201 350000 20060301 76.86000061 No MI
16127512 20360201 192944 20060301 57.08000183 No MI
16127513 20351201 291000 20060101 69.29000092 No MI
16127514 20360101 155297 20060201 80 No MI
16127515 20360101 165615 20060201 90 PMI
16127516 20360201 162600 20060301 75 No MI
16127517 20350401 115200 20050501 80 No MI
16127518 20360201 312000 20060301 80 No MI
16127519 20360101 107635 20060201 47 No MI
16127520 20360101 308000 20060201 80 No MI
16127521 20360301 604000 20060401 80 No MI
16127522 20360201 310000 20060301 77.5 No MI
16127523 20360101 37800 20060201 90 Radian Guaranty
16127524 20360201 263047 20060301 45.13000107 No MI
16127525 20360201 122590 20060301 36.02999878 No MI
16127526 20360201 416000 20060301 80 No MI
16127527 20360101 296240 20060201 80 No MI
16127528 20360101 136800 20060201 90 Radian Guaranty
16127529 20360101 623000 20060201 75.23999786 No MI
16127530 20360201 188450 20060301 95 GE Capital MI
16127532 20360201 650000 20060301 78.30999756 No MI
16127533 20360201 142000 20060301 50.70999908 No MI
16127534 20360201 165827 20060301 80 No MI
16127547 20351201 189905 20060101 95 Mortgage Guaranty In
16127548 20360101 316403 20060201 65.91999817 No MI
16127550 20350201 120320 20050301 80 No MI
16127551 20360101 199100 20060201 79.91000366 No MI
16127552 20360101 136000 20060201 80 No MI
16127553 20350701 359650 20050801 78.19999695 No MI
16127554 20360101 182536 20060201 32.47999954 No MI
16127555 20360201 197763 20060301 80 No MI
16127556 20360101 399000 20060201 79.80000305 No MI
16127557 20360101 357120 20060201 80 No MI
16127558 20360101 206400 20060201 79.97000122 No MI
16127559 20360201 163992 20060301 80 No MI
16127560 20360101 53900 20060201 70 No MI
16127561 20360101 176000 20060201 78.22000122 No MI
16127562 20351201 136800 20060101 80 No MI
16127563 20360201 399700 20060301 70 No MI
16127565 20360101 128000 20060201 80 No MI
16127566 20351201 215591 20060101 80 No MI
16127567 20360201 292000 20060301 61.86000061 No MI
16127568 20360101 155520 20060201 80 No MI
16127569 20360101 61156 20060201 71.11000061 No MI
16127570 20360101 202720 20060201 80 No MI
16127571 20360101 300000 20060201 23.53000069 No MI
16127572 20360101 243105 20060201 95 PMI
16127573 20360201 310000 20060301 62 No MI
16127574 20360101 140580 20060201 78.79000092 No MI
16127575 20360201 89900 20060301 80 No MI
16127576 20360201 215000 20060301 58.90000153 No MI
16127577 20351201 306090 20060101 90 GE Capital MI
16127578 20360201 223920 20060301 80 No MI
16127541 20360101 290000 20060201 63.84999847 No MI
16127542 20360101 273132 20060201 80 No MI
16127543 20360201 166880 20060301 80 No MI
16127544 20350701 174000 20050801 80 No MI
16127545 20360201 223991 20060301 80 No MI
16127546 20360101 84000 20060201 70 No MI
16127535 20360201 260000 20060301 80 No MI
16127536 20360301 331200 20060401 79.97000122 No MI
16127537 20360101 106200 20060201 90 GE Capital MI
16127538 20360101 130000 20060201 57.77999878 No MI
16127539 20351001 49600 20051101 80 No MI
16127540 20360201 183634 20060301 80 No MI
16127499 20350801 372000 20050901 79.15000153 No MI
16127500 20151201 53000 20060101 19.43000031 No MI
16127501 20360101 151964 20060201 80 No MI
16127502 20360101 125000 20060201 37.88999939 No MI
16048088 20360201 510000 20060301 75 No MI 1.00E+17
16047971 20351201 440000 20060101 56.77000046 No MI 1.00E+17
16047977 20360101 492000 20060201 74.88999939 No MI 1.00E+17
16047989 20360101 650000 20060201 74.06999969 No MI 1.00E+17
16047990 20360101 472000 20060201 79.98999786 No MI 1.00E+17
16047991 20360101 495900 20060201 80 No MI 1.00E+17
16047992 20360101 620000 20060201 79.38999939 No MI 1.00E+17
16047994 20360101 441200 20060201 79.94999695 No MI 1.00E+17
16048002 20360101 751784 20060201 80 No MI 1.00E+17
16048004 20351001 492000 20051101 80 No MI 1.00E+17
16048006 20360101 620900 20060201 89.98999786 Triad Guaranty 1.00E+17
16048008 20360101 421952 20060201 80 No MI 1.00E+17
16048012 20360201 489000 20060301 67.91999817 No MI 1.00E+17
16048014 20360201 650000 20060301 79.75 No MI 1.00E+17
16048015 20360101 547900 20060201 79.98999786 No MI 1.00E+17
16048018 20360201 650000 20060301 75.13999939 No MI 1.00E+17
16048019 20360201 724541 20060301 80 No MI 1.00E+17
16048020 20360201 871500 20060301 79.23000336 No MI 1.00E+17
16048021 20360101 516740 20060201 72.09999847 No MI 1.00E+17
16048024 20360101 750000 20060201 62.5 No MI 1.00E+17
16048033 20351201 580000 20060101 80 No MI 1.00E+17
16048037 20360201 602250 20060301 79.98999786 No MI 1.00E+17
16048045 20360201 472000 20060301 80 No MI 1.00E+17
16048046 20360201 650000 20060301 67.36000061 No MI 1.00E+17
16048048 20360201 768000 20060301 80 No MI 1.00E+17
16048049 20360201 853600 20060301 80 No MI 1.00E+17
16048050 20360201 540000 20060301 72.97000122 No MI 1.00E+17
16048068 20360201 563200 20060301 80 No MI 1.00E+17
16048082 20360301 471000 20060401 54.45000076 No MI 1.00E+17
16047965 20360201 600384 20060301 80 No MI 1.00E+17
16047967 20350801 302800 20050901 80 No MI 1.00E+17
16047968 20351001 444800 20051101 80 No MI 1.00E+17
16047970 20360101 485000 20060201 75.77999878 No MI 1.00E+17
16047972 20360101 455000 20060201 70 No MI 1.00E+17
16047973 20360101 480000 20060201 80 No MI 1.00E+17
16047976 20360201 428215 20060301 80 No MI 1.00E+17
16047978 20360101 1000000 20060201 62.34000015 No MI 1.00E+17
16047980 20360201 502100 20060301 79.98999786 No MI 1.00E+17
16047983 20360201 516777 20060301 80 No MI 1.00E+17
16047984 20360201 516105 20060301 80 No MI 1.00E+17
16047985 20360201 940000 20060301 80 No MI 1.00E+17
16047987 20360201 452950 20060301 79.98999786 No MI 1.00E+17
16047988 20360101 940000 20060201 80 No MI 1.00E+17
16047993 20360101 480000 20060201 66.20999908 No MI 1.00E+17
16047995 20360201 602000 20060301 70 No MI 1.00E+17
16047996 20360101 535686 20060201 74 No MI 1.00E+17
16047997 20360101 442515 20060201 74.68000031 No MI 1.00E+17
16047998 20360101 800000 20060201 50 No MI 1.00E+17
16047999 20360101 543120 20060201 80 No MI 1.00E+17
16048000 20360101 588000 20060201 80 No MI 1.00E+17
16048001 20360101 476000 20060201 80 No MI 1.00E+17
16048003 20360201 431900 20060301 80 No MI 1.00E+17
16048005 20360101 578044 20060201 80 No MI 1.00E+17
16048007 20360101 462300 20060201 79.98999786 No MI 1.00E+17
16048009 20360201 630000 20060301 77.30000305 No MI 1.00E+17
16048010 20360101 438200 20060201 79.98999786 No MI 1.00E+17
16048011 20360201 448000 20060301 80 No MI 1.00E+17
16048013 20360201 640000 20060301 80 No MI 1.00E+17
16048016 20351101 535050 20051201 90 Republic MIC 1.00E+17
16048017 20360201 864500 20060301 74.98999786 No MI 1.00E+17
16048022 20360201 563200 20060301 80 No MI 1.00E+17
16048023 20360201 550000 20060301 64.70999908 No MI 1.00E+17
16048025 20360101 661800 20060201 80 No MI 1.00E+17
16048027 20351001 431550 20051101 79.98999786 No MI 1.00E+17
16048028 20360201 539000 20060301 70 No MI 1.00E+17
16048029 20360201 497000 20060301 79.87999725 No MI 1.00E+17
16048030 20360201 920000 20060301 80 No MI 1.00E+17
16048031 20360201 649960 20060301 80 No MI 1.00E+17
16048032 20360201 468000 20060301 75.73000336 No MI 1.00E+17
16048034 20360201 665000 20060301 67.16999817 No MI 1.00E+17
16048035 20360201 673800 20060301 80 No MI 1.00E+17
16048036 20360301 431069 20060401 80 No MI 1.00E+17
16048039 20360201 456000 20060301 80 No MI 1.00E+17
16048040 20360201 460000 20060301 80 No MI 1.00E+17
16048041 20360201 540036 20060301 64.29000092 No MI 1.00E+17
16048042 20360201 550000 20060301 78.70999908 No MI 1.00E+17
16048043 20360201 508000 20060301 80 No MI 1.00E+17
16048044 20360201 560000 20060301 80 No MI 1.00E+17
16048047 20360201 800000 20060301 25.80999947 No MI 1.00E+17
16048051 20360201 999999 20060301 65.79000092 No MI 1.00E+17
16048052 20360201 421200 20060301 90 Republic MIC 1.00E+17
16048053 20360301 827000 20060401 73.34999847 No MI 1.00E+17
16048054 20360301 452745 20060401 78.73999786 No MI 1.00E+17
16048055 20360301 525000 20060401 70 No MI 1.00E+17
16048057 20360301 510000 20060401 77.86000061 No MI 1.00E+17
16048058 20360201 452000 20060301 80 No MI 1.00E+17
16048059 20360201 675000 20060301 75 No MI 1.00E+17
16048060 20360301 999999 20060401 74.62999725 No MI 1.00E+17
16048061 20360301 539496 20060401 80 No MI 1.00E+17
16048063 20360201 574000 20060301 52.18000031 No MI 1.00E+17
16048064 20360201 548000 20060301 80 No MI 1.00E+17
16048066 20360201 535000 20060301 79.98999786 No MI 1.00E+17
16048067 20360201 584000 20060301 80 No MI 1.00E+17
16048070 20360201 516000 20060301 80 No MI 1.00E+17
16048071 20360201 700800 20060301 80 No MI 1.00E+17
16048072 20360201 483000 20060301 72.08999634 No MI 1.00E+17
16048073 20360201 439960 20060301 80 No MI 1.00E+17
16048074 20360301 432000 20060401 80 No MI 1.00E+17
16048075 20360201 483460 20060301 80 No MI 1.00E+17
16048076 20360201 760000 20060301 79.94000244 No MI 1.00E+17
16048077 20360201 573600 20060301 86.91000366 Republic MIC 1.00E+17
16048078 20360201 465000 20060301 72.66000366 No MI 1.00E+17
16048079 20360201 613000 20060301 80 No MI 1.00E+17
16048080 20360201 491200 20060301 80 No MI 1.00E+17
16048081 20360201 467606 20060301 80 No MI 1.00E+17
16048083 20360301 686288 20060401 80 No MI 1.00E+17
16048084 20350501 196000 20050601 60.31000137 No MI 1.00E+17
16048086 20360201 585000 20060301 75 No MI 1.00E+17
16048087 20360201 999950 20060301 79.68000031 No MI 1.00E+17
16166797 20360401 680000 20060501 80 No MI 1.00E+17
16166649 20360401 420000 20060501 80 No MI 1.00E+17
16166730 20360401 799000 20060501 74.33000183 No MI 1.00E+17
16166615 20360401 650000 20060501 74.29000092 No MI 1.00E+17
16166582 20360401 825000 20060501 75 No MI 1.00E+17
16166471 20360401 580000 20060501 80 No MI 1.00E+17
16166475 20360401 640000 20060501 80 No MI 1.00E+17
16166437 20360401 476000 20060501 80 No MI 1.00E+17
16166450 20360401 748000 20060501 68 No MI 1.00E+17
16166320 20360401 665000 20060501 77.33000183 No MI 1.00E+17
16166337 20360401 575765 20060501 80 No MI 1.00E+17
16166347 20360401 940000 20060501 80 No MI 1.00E+17
16166275 20360401 1000000 20060501 30.29999924 No MI 1.00E+17
16166095 20360301 711200 20060401 80 No MI 1.00E+17
16166097 20360301 525000 20060401 63.63999939 No MI 1.00E+17
16166101 20360301 987047 20060401 78.95999908 No MI 1.00E+17
16166119 20360301 540000 20060401 77.13999939 No MI 1.00E+17
16166120 20360301 608000 20060401 65.37999725 No MI 1.00E+17
16166134 20360301 880000 20060401 80 No MI 1.00E+17
16166140 20360401 560000 20060501 80 No MI 1.00E+17
16166146 20360301 644000 20060401 67.79000092 No MI 1.00E+17
16166150 20360401 604850 20060501 75 No MI 1.00E+17
16166158 20360201 500000 20060301 78.73999786 No MI 1.00E+17
16166162 20360301 800000 20060401 80 No MI 1.00E+17
16166165 20360401 440000 20060501 80 No MI 1.00E+17
16166190 20360401 672080 20060501 80 No MI 1.00E+17
16166191 20360301 536000 20060401 80 No MI 1.00E+17
16166192 20360401 455200 20060501 80 No MI 1.00E+17
16166250 20360401 501274 20060501 80 No MI 1.00E+17
16166072 20360301 639000 20060401 73.44999695 No MI 1.00E+17
16166081 20351001 450000 20051101 67.16000366 No MI 1.00E+17
16166088 20351001 500000 20051101 69.93000031 No MI 1.00E+17
16166094 20360301 907200 20060401 70 No MI 1.00E+17
16166794 20360401 488000 20060501 80 No MI 1.00E+17
16166798 20360401 500000 20060501 72.98999786 No MI 1.00E+17
16166747 20360401 580250 20060501 69.98999786 No MI 1.00E+17
16166751 20360401 447960 20060501 80 No MI 1.00E+17
16166754 20360401 515000 20060501 79.83999634 No MI 1.00E+17
16166759 20360401 488000 20060501 80 No MI 1.00E+17
16166763 20360401 484000 20060501 80 No MI 1.00E+17
16166766 20360401 579200 20060501 80 No MI 1.00E+17
16166768 20360401 708000 20060501 80 No MI 1.00E+17
16166769 20360401 999999 20060501 70.31999969 No MI 1.00E+17
16166771 20360401 442000 20060501 78.93000031 No MI 1.00E+17
16166734 20360401 1455000 20060501 60 No MI 1.00E+17
16166735 20360401 545231 20060501 80 No MI 1.00E+17
16166736 20360401 541200 20060501 80 No MI 1.00E+17
16166738 20360401 569400 20060501 79.98999786 No MI 1.00E+17
16166631 20360401 712000 20060501 80 No MI 1.00E+17
16166632 20360401 443300 20060501 79.16000366 No MI 1.00E+17
16166635 20360401 704000 20060501 80 No MI 1.00E+17
16166642 20360401 540000 20060501 72.77999878 No MI 1.00E+17
16166644 20360401 490122 20060501 80 No MI 1.00E+17
16166653 20360401 550000 20060501 73.33000183 No MI 1.00E+17
16166657 20360401 720000 20060501 80 No MI 1.00E+17
16166662 20360401 469000 20060501 79.62999725 No MI 1.00E+17
16166665 20360401 600000 20060501 80 No MI 1.00E+17
16166667 20360401 537600 20060501 80 No MI 1.00E+17
16166680 20360401 672000 20060501 80 No MI 1.00E+17
16166693 20360401 600000 20060501 80 No MI 1.00E+17
16166694 20360501 556000 20060601 80 No MI 1.00E+17
16166696 20360401 600000 20060501 74.52999878 No MI 1.00E+17
16166701 20360401 984000 20060501 80 No MI 1.00E+17
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16166713 20360401 584000 20060501 80 No MI 1.00E+17
16166715 20360401 577600 20060501 80 No MI 1.00E+17
16166719 20360401 504000 20060501 80 No MI 1.00E+17
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16166589 20360401 724000 20060501 80 No MI 1.00E+17
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16166482 20360401 423992 20060501 80 No MI 1.00E+17
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16166493 20360401 976000 20060501 28.29000092 No MI 1.00E+17
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16166501 20360401 968000 20060501 80 No MI 1.00E+17
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16166376 20360401 604720 20060501 80 No MI 1.00E+17
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16166293 20360401 808000 20060501 80 No MI 1.00E+17
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16166300 20360401 616247 20060501 80 No MI 1.00E+17
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16166171 20360401 452950 20060501 80 No MI 1.00E+17
16166172 20360401 728000 20060501 80 No MI 1.00E+17
16166173 20360401 722500 20060501 76.05000305 No MI 1.00E+17
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16166210 20360401 787500 20060501 70 No MI 1.00E+17
16166211 20360401 577875 20060501 75 No MI 1.00E+17
16166212 20360401 584000 20060501 80 No MI 1.00E+17
16166214 20360401 511200 20060501 80 No MI 1.00E+17
16166215 20360401 480000 20060501 67.61000061 No MI 1.00E+17
16166219 20360301 460000 20060401 63.00999832 No MI 1.00E+17
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16166244 20360401 575348 20060501 80 No MI 1.00E+17
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16166079 20360401 666828 20060501 80 No MI 1.00E+17
16166085 20360401 664000 20060501 80 No MI 1.00E+17
16166087 20360401 904500 20060501 80 No MI 1.00E+17
16166093 20360101 442320 20060201 80 No MI 1.00E+17
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16184184 20360401 512000 20060501 80 No MI 1.00E+17
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16184186 20360401 500000 20060501 80 No MI 1.00E+17
16184187 20360401 700000 20060501 78.48000336 No MI 1.00E+17
16184188 20360401 503190 20060501 80 No MI 1.00E+17
16184189 20360401 626250 20060501 75 No MI 1.00E+17
16184191 20360401 640000 20060501 80 No MI 1.00E+17
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16184195 20360401 936000 20060501 80 No MI 1.00E+17
16184196 20360401 488800 20060501 80 No MI 1.00E+17
16184198 20360401 562500 20060501 80 No MI 1.00E+17
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16184200 20360401 656000 20060501 80 No MI 1.00E+17
16184202 20360401 452800 20060501 80 No MI 1.00E+17
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16184205 20360401 844000 20060501 80 No MI 1.00E+17
16184209 20360401 444276 20060501 80 No MI 1.00E+17
16184212 20360401 908000 20060501 80 No MI 1.00E+17
16184214 20360401 473792 20060501 80 No MI 1.00E+17
16184217 20360501 715000 20060601 62.5 No MI 1.00E+17
16184218 20360501 440000 20060601 80 No MI 1.00E+17
16184219 20360501 484000 20060601 80 No MI 1.00E+17
16184220 20360501 660000 20060601 75 No MI 1.00E+17
16184221 20360501 492000 20060601 80 No MI 1.00E+17
16184223 20360501 642000 20060601 72.94999695 No MI 1.00E+17
16184224 20360501 439000 20060601 78.25 No MI 1.00E+17
16184225 20360501 600000 20060601 79.47000122 No MI 1.00E+17
16184226 20360401 603992 20060501 80 No MI 1.00E+17
16184227 20360401 718000 20060501 65.26999664 No MI 1.00E+17
16184228 20360501 752000 20060601 80 No MI 1.00E+17
16184229 20360501 600000 20060601 52.16999817 No MI 1.00E+17
16184230 20360401 556000 20060501 80 No MI 1.00E+17
16184232 20360501 1275000 20060601 75 No MI 1.00E+17
16184234 20360501 701250 20060601 75 No MI 1.00E+17
16184236 20360401 424000 20060501 80 No MI 1.00E+17
16184239 20360501 530000 20060601 72.59999847 No MI 1.00E+17
16184241 20360501 529000 20060601 76.12000275 No MI 1.00E+17
16184245 20360501 600000 20060601 80 No MI 1.00E+17
16184257 20360501 421380 20060601 90 United Guaranty 1.00E+17
16184259 20360501 650000 20060601 79.26999664 No MI 1.00E+17
16184262 20360501 500000 20060601 66.66999817 No MI 1.00E+17
16184265 20360501 800000 20060601 80 No MI 1.00E+17
16184266 20360501 420000 20060601 68.06999969 No MI 1.00E+17
16184268 20360401 648000 20060501 80 No MI 1.00E+17
16184176 20351001 476400 20051101 36.65000153 No MI 1.00E+17
16184177 20360401 461620 20060501 80 No MI 1.00E+17
16166799 20360401 650000 20060501 79.22000122 No MI 1.00E+17
16166800 20360301 994087 20060401 77.66000366 No MI 1.00E+17
16166802 20360401 448000 20060501 80 No MI 1.00E+17
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16166764 20360401 668900 20060501 80 No MI 1.00E+17
16166785 20360301 910000 20060401 61.06999969 No MI 1.00E+17
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16166620 20360401 439920 20060501 80 No MI 1.00E+17
16166624 20360401 752000 20060501 80 No MI 1.00E+17
16166626 20360401 471200 20060501 80 No MI 1.00E+17
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16166673 20360401 588000 20060501 80 No MI 1.00E+17
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16166675 20360401 528000 20060501 80 No MI 1.00E+17
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16166731 20360401 520000 20060501 80 No MI 1.00E+17
16166594 20360501 750000 20060601 50 No MI 1.00E+17
16166599 20360401 850000 20060501 59.86000061 No MI 1.00E+17
16166600 20360401 448000 20060501 80 No MI 1.00E+17
16166573 20360401 456000 20060501 80 No MI 1.00E+17
16166581 20360401 420117 20060501 90 PMI 1.00E+17
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16166465 20360401 545000 20060501 71.70999908 No MI 1.00E+17
16166466 20360401 628000 20060501 67.52999878 No MI 1.00E+17
16166468 20360401 565000 20060501 60.11000061 No MI 1.00E+17
16166484 20360401 900000 20060501 72 No MI 1.00E+17
16166485 20360401 836000 20060501 80 No MI 1.00E+17
16166487 20360401 756000 20060501 80 No MI 1.00E+17
16166489 20360401 518000 20060501 20.30999947 No MI 1.00E+17
16166490 20360401 980000 20060501 78.40000153 No MI 1.00E+17
16166496 20360401 825000 20060501 68.75 No MI 1.00E+17
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16166512 20360401 476000 20060501 80 No MI 1.00E+17
16166517 20360401 532000 20060501 80 No MI 1.00E+17
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16166559 20360401 471920 20060501 80 No MI 1.00E+17
16166564 20360401 450000 20060501 48.38999939 No MI 1.00E+17
16166420 20360401 505151 20060501 80 No MI 1.00E+17
16166427 20360401 720000 20060501 80 No MI 1.00E+17
16166429 20360401 444120 20060501 80 No MI 1.00E+17
16166432 20360401 667200 20060501 80 No MI 1.00E+17
16166434 20360401 531500 20060501 73.81999969 No MI 1.00E+17
16166446 20360401 740000 20060501 80 No MI 1.00E+17
16166448 20360401 950000 20060501 69.08999634 No MI 1.00E+17
16166452 20360401 551000 20060501 55.65999985 No MI 1.00E+17
16166324 20360301 468000 20060401 80 No MI 1.00E+17
16166330 20360401 559920 20060501 76.15000153 No MI 1.00E+17
16166332 20360401 440000 20060501 80 No MI 1.00E+17
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16166342 20360401 461000 20060501 69.84999847 No MI 1.00E+17
16166346 20360401 420000 20060501 80 No MI 1.00E+17
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16166351 20360401 464000 20060501 61.13000107 No MI 1.00E+17
16166352 20360401 428000 20060501 80 No MI 1.00E+17
16166358 20360401 695000 20060501 77.41999817 No MI 1.00E+17
16166360 20360401 439957 20060501 80 No MI 1.00E+17
16166368 20360401 639200 20060501 80 No MI 1.00E+17
16166374 20360401 441592 20060501 80 No MI 1.00E+17
16166375 20360401 424000 20060501 80 No MI 1.00E+17
16166381 20360401 463960 20060501 80 No MI 1.00E+17
16166383 20360401 650000 20060501 54.16999817 No MI 1.00E+17
16166391 20360401 500000 20060501 69.93000031 No MI 1.00E+17
16166393 20360401 443500 20060501 79.19999695 No MI 1.00E+17
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16166272 20360401 467950 20060501 79.98999786 No MI 1.00E+17
16166274 20360401 1237500 20060501 75 No MI 1.00E+17
16166278 20360401 420000 20060501 80 No MI 1.00E+17
16166281 20360401 472000 20060501 80 No MI 1.00E+17
16166288 20360401 441910 20060501 80 No MI 1.00E+17
16166304 20360401 564800 20060501 80 No MI 1.00E+17
16166305 20360401 1385000 20060501 74.86000061 No MI 1.00E+17
16166306 20360401 488000 20060501 80 No MI 1.00E+17
16166308 20360401 750000 20060501 69.76999664 No MI 1.00E+17
16166311 20360401 1000000 20060501 59.34999847 No MI 1.00E+17
16166317 20360401 427000 20060501 61 No MI 1.00E+17
16166100 20360201 516000 20060301 80 No MI 1.00E+17
16166109 20360301 637000 20060401 70 No MI 1.00E+17
16166118 20360301 624000 20060401 80 No MI 1.00E+17
16166123 20360401 692000 20060501 80 No MI 1.00E+17
16166126 20360401 578517 20060501 90 PMI 1.00E+17
16166129 20360301 716000 20060401 80 No MI 1.00E+17
16166137 20360301 598400 20060401 80 No MI 1.00E+17
16166141 20360401 720000 20060501 79.12000275 No MI 1.00E+17
16166157 20360401 448000 20060501 80 No MI 1.00E+17
16166166 20360401 450000 20060501 70.30999756 No MI 1.00E+17
16166177 20360401 880000 20060501 80 No MI 1.00E+17
16166180 20360401 497600 20060501 80 No MI 1.00E+17
16166182 20360401 460000 20060501 80 No MI 1.00E+17
16166185 20360401 592000 20060501 80 No MI 1.00E+17
16166187 20360401 599200 20060501 80 No MI 1.00E+17
16166193 20360401 500000 20060501 76.80000305 No MI 1.00E+17
16166198 20360401 448000 20060501 80 No MI 1.00E+17
16166199 20360401 570350 20060501 79.98999786 No MI 1.00E+17
16166221 20360301 503500 20060401 80 No MI 1.00E+17
16166224 20360401 504000 20060501 80 No MI 1.00E+17
16166227 20360401 540000 20060501 31.76000023 No MI 1.00E+17
16166233 20360401 552000 20060501 80 No MI 1.00E+17
16166236 20360401 781000 20060501 72.65000153 No MI 1.00E+17
16166251 20360401 540000 20060501 80 No MI 1.00E+17
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16166266 20360401 880000 20060501 74.88999939 No MI 1.00E+17
16166078 20360401 666025 20060501 80 No MI 1.00E+17
16166082 20360401 559300 20060501 70 No MI 1.00E+17
16166089 20360401 683000 20060501 80 No MI 1.00E+17
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16177242 20360501 751960 20060601 80 No MI 1.00E+17
16177243 20360501 540000 20060601 80 No MI 1.00E+17
16177244 20360501 1196250 20060601 75 No MI 1.00E+17
16177245 20360501 1125000 20060601 75 No MI 1.00E+17
16177220 20360401 1270284 20060501 75 No MI 1.00E+17
16177221 20360501 503920 20060601 80 No MI 1.00E+17
16177222 20360501 459000 20060601 79.83000183 No MI 1.00E+17
16177223 20360501 431200 20060601 80 No MI 1.00E+17
16177224 20360501 504000 20060601 80 No MI 1.00E+17
16177225 20360401 702600 20060501 79.98999786 No MI 1.00E+17
16177226 20360401 500000 20060501 80 No MI 1.00E+17
16177227 20360401 540000 20060501 56.84000015 No MI 1.00E+17
16177228 20360501 736000 20060601 75 No MI 1.00E+17
16177229 20360401 524000 20060501 80 No MI 1.00E+17
16177230 20360401 440000 20060501 80 No MI 1.00E+17
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16177233 20360401 648000 20060501 80 No MI 1.00E+17
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16177235 20360401 468000 20060501 80 No MI 1.00E+17
16177236 20360501 774000 20060601 80 No MI 1.00E+17
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16177238 20360501 524200 20060601 70 No MI 1.00E+17
16177239 20360501 624000 20060601 80 No MI 1.00E+17
16177240 20360501 530500 20060601 80 No MI 1.00E+17
16177210 20360501 903750 20060601 75 No MI 1.00E+17
16177211 20360401 639200 20060501 80 No MI 1.00E+17
16177212 20360401 3000000 20060501 60 No MI 1.00E+17
16177213 20360401 442000 20060501 79.93000031 No MI 1.00E+17
16177214 20360501 900000 20060601 47.36999893 No MI 1.00E+17
16177215 20360401 500000 20060501 72.47000122 No MI 1.00E+17
16177216 20360401 900000 20060501 79.93000031 No MI 1.00E+17
16177217 20360401 998000 20060501 79.68000031 No MI 1.00E+17
16177218 20360501 584000 20060601 80 No MI 1.00E+17
16177219 20360401 428000 20060501 80 No MI 1.00E+17
16177170 20360501 591776 20060601 80 No MI 1.00E+17
16177171 20360501 543200 20060601 80 No MI 1.00E+17
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16177174 20360501 3000000 20060601 75 No MI 1.00E+17
16177175 20360401 420000 20060501 80 No MI 1.00E+17
16177176 20360401 482000 20060501 75.66999817 No MI 1.00E+17
16177177 20360401 1000000 20060501 69.26000214 No MI 1.00E+17
16177178 20360301 440000 20060401 40 No MI 1.00E+17
16177179 20360401 532000 20060501 80 No MI 1.00E+17
16177180 20360401 423500 20060501 65.15000153 No MI 1.00E+17
16177181 20360401 436000 20060501 80 No MI 1.00E+17
16177182 20360401 491600 20060501 80 No MI 1.00E+17
16177183 20360401 657000 20060501 75.51999664 No MI 1.00E+17
16177184 20360401 455900 20060501 80 No MI 1.00E+17
16177185 20360401 470000 20060501 79.90000153 No MI 1.00E+17
16177186 20360401 684000 20060501 80 No MI 1.00E+17
16177187 20360401 1310000 20060501 74.86000061 No MI 1.00E+17
16177188 20360401 605000 20060501 76.77999878 No MI 1.00E+17
16177189 20360401 593910 20060501 81.91999817 Republic MIC 1.00E+17
16177190 20360401 746500 20060501 56.34000015 No MI 1.00E+17
16177191 20360401 504000 20060501 80 No MI 1.00E+17
16177192 20360401 508000 20060501 80 No MI 1.00E+17
16177193 20360401 625000 20060501 50 No MI 1.00E+17
16177194 20360401 1646000 20060501 53.09999847 No MI 1.00E+17
16177195 20360401 543156 20060501 80 No MI 1.00E+17
16177196 20360401 508000 20060501 80 No MI 1.00E+17
16177197 20360401 456000 20060501 80 No MI 1.00E+17
16177198 20360401 549975 20060501 80 No MI 1.00E+17
16177199 20360401 434400 20060501 80 No MI 1.00E+17
16177165 20360401 469000 20060501 70 No MI 1.00E+17
16177166 20360401 556000 20060501 80 No MI 1.00E+17
16177167 20360301 2800000 20060401 71.79000092 No MI 1.00E+17
16177168 20360401 650000 20060501 77.83999634 No MI 1.00E+17
16177169 20360401 457100 20060501 80 No MI 1.00E+17
16177113 20360401 539300 20060501 65.37000275 No MI 1.00E+17
16177114 20360401 925050 20060501 80 No MI 1.00E+17
16177115 20360401 1100000 20060501 22.45000076 No MI 1.00E+17
16177116 20360401 454016 20060501 80 No MI 1.00E+17
16177117 20360401 418428 20060501 80 No MI 1.00E+17
16177118 20360401 568038 20060501 80 No MI 1.00E+17
16177119 20360401 471350 20060501 79.98999786 No MI 1.00E+17
16177120 20360401 650000 20060501 71.75 No MI 1.00E+17
16177121 20360401 453750 20060501 80 No MI 1.00E+17
16177122 20360401 477890 20060501 80 No MI 1.00E+17
16177123 20360401 624000 20060501 79.19000244 No MI 1.00E+17
16177124 20360401 435975 20060501 78.55000305 No MI 1.00E+17
16177125 20360401 576000 20060501 80 No MI 1.00E+17
16177126 20360401 455600 20060501 80 No MI 1.00E+17
16177127 20360401 531700 20060501 79.30000305 No MI 1.00E+17
16177128 20360401 636660 20060501 80 No MI 1.00E+17
16177129 20360401 959950 20060501 80 No MI 1.00E+17
16177130 20351201 2750000 20060101 68.04000092 No MI 1.00E+17
16177131 20360301 725900 20060401 80 No MI 1.00E+17
16177132 20360301 540450 20060401 79.98999786 No MI 1.00E+17
16177133 20360401 451000 20060501 45.09999847 No MI 1.00E+17
16177134 20360401 557000 20060501 79.56999969 No MI 1.00E+17
16177135 20360401 608543 20060501 75.26000214 No MI 1.00E+17
16177136 20360401 695000 20060501 77.65000153 No MI 1.00E+17
16177137 20360401 600000 20060501 42.11000061 No MI 1.00E+17
16177138 20360401 635350 20060501 79.98999786 No MI 1.00E+17
16177139 20360401 436000 20060501 80 No MI 1.00E+17
16177140 20360401 418000 00000000 00 XX Xxxxxxx XX 1.00E+17
16177141 20360401 533000 20060501 70.12999725 No MI 1.00E+17
16177142 20360401 505000 20060501 53.15999985 No MI 1.00E+17
16177143 20360401 463500 20060501 67.16999817 No MI 1.00E+17
16177144 20360401 680000 20060501 80 No MI 1.00E+17
16177145 20360401 555000 20060501 67.68000031 No MI 1.00E+17
16177146 20360401 705600 20060501 80 No MI 1.00E+17
16177147 20360401 457792 20060501 80 No MI 1.00E+17
16177148 20360401 516000 20060501 80 No MI 1.00E+17
16177110 20360301 600000 20060401 80 No MI 1.00E+17
16177111 20360301 500000 20060401 78.12999725 No MI 1.00E+17
16177112 20360201 620000 20060301 76.54000092 No MI 1.00E+17
16177149 20351201 430600 20060101 76.20999908 No MI 1.00E+17
16177150 20360401 2110100 20060501 75 No MI 1.00E+17
16177152 20360501 460000 20060601 80 No MI 1.00E+17
16177153 20360401 1406250 20060501 75 No MI 1.00E+17
16177154 20360301 480000 20060401 80 No MI 1.00E+17
16177155 20360501 482000 20060601 49.84000015 No MI 1.00E+17
16177157 20360401 640000 20060501 80 No MI 1.00E+17
16177158 20360201 1000000 20060301 79.37000275 No MI 1.00E+17
16177159 20360401 654000 20060501 80 No MI 1.00E+17
16177160 20360301 454048 20060401 80 No MI 1.00E+17
16177161 20360401 528750 20060501 69.12000275 No MI 1.00E+17
16177162 20360401 747342 20060501 80 No MI 1.00E+17
16177163 20360401 1662500 20060501 70 No MI 1.00E+17
16177164 20360401 477700 20060501 79.98000336 No MI 1.00E+17
16177100 20360401 750200 20060501 80 No MI 1.00E+17
16177101 20360401 460000 20060501 80 No MI 1.00E+17
16177102 20360401 494500 20060501 60.34999847 No MI 1.00E+17
16177103 20360401 582400 20060501 80 No MI 1.00E+17
16177104 20360401 840000 20060501 70 No MI 1.00E+17
16177105 20360301 551350 20060401 79.98999786 No MI 1.00E+17
16177106 20360401 615000 20060501 71.48000336 No MI 1.00E+17
16177107 20360401 466300 20060501 63.88000107 No MI 1.00E+17
16177108 20351201 711800 20060101 80 No MI 1.00E+17
16177109 20360401 444350 20060501 75 No MI 1.00E+17
16177200 20360401 480000 20060501 80 No MI 1.00E+17
16177201 20360401 1585000 20060501 52.83000183 No MI 1.00E+17
16177202 20360401 510000 20060501 77.26999664 No MI 1.00E+17
16177203 20360401 457696 20060501 80 No MI 1.00E+17
16177204 20360401 457696 20060501 80 No MI 1.00E+17
16177205 20360401 716000 20060501 80 No MI 1.00E+17
16177206 20360501 465000 20060601 67.38999939 No MI 1.00E+17
16177207 20360401 532000 20060501 80 No MI 1.00E+17
16177208 20360401 960000 20060501 65.75 No MI 1.00E+17
16177209 20360401 640000 20060501 75.29000092 No MI 1.00E+17
16177090 20351001 445100 20051101 80 No MI 1.00E+17
16177091 20360401 640872 20060501 80 No MI 1.00E+17
16177092 20360501 651795 20060601 75 No MI 1.00E+17
16177093 20360501 998628 20060601 75 No MI 1.00E+17
16177094 20360401 499900 20060501 80 No MI 1.00E+17
16177095 20360401 448666 20060501 80 No MI 1.00E+17
16177096 20360301 600000 20060401 79.47000122 No MI 1.00E+17
16177097 20360101 774000 20060201 80 No MI 1.00E+17
16177098 20360301 603050 20060401 79.98999786 No MI 1.00E+17
16177099 20360401 1000000 20060501 61.54000092 No MI 1.00E+17
16218249 20360501 1000000 20060601 75.47000122 No MI 1.00E+17
16218250 20360501 472500 20060601 69.37999725 No MI 1.00E+17
16218251 20360401 468000 20060501 80 No MI 1.00E+17
16218252 20360501 447200 20060601 80 No MI 1.00E+17
16218244 20360501 576000 20060601 80 No MI 1.00E+17
16218245 20360501 632000 20060601 80 No MI 1.00E+17
16218246 20360501 392800 20060601 80 No MI 1.00E+17
16218247 20360501 720000 20060601 80 No MI 1.00E+17
16218248 20360501 945000 20060601 67.5 No MI 1.00E+17
16218236 20360501 633600 20060601 80 No MI 1.00E+17
16218237 20360501 644830 20060601 80 No MI 1.00E+17
16218238 20360501 940000 20060601 80 No MI 1.00E+17
16218239 20360501 574000 20060601 70 No MI 1.00E+17
16218240 20360501 860000 20060601 80 No MI 1.00E+17
16218241 20360501 620000 20060601 80 No MI 1.00E+17
16218242 20360501 552000 20060601 69 No MI 1.00E+17
16218243 20360501 472000 20060601 80 No MI 1.00E+17
16218230 20360501 650000 20060601 38.24000168 No MI 1.00E+17
16218231 20360501 628000 20060601 80 No MI 1.00E+17
16218232 20360501 900000 20060601 18 No MI 1.00E+17
16218233 20360501 1240000 20060601 73.37000275 No MI 1.00E+17
16218234 20360501 201600 20060601 80 No MI 1.00E+17
16218235 20360501 77600 20060601 80 No MI 1.00E+17
16218227 20360501 650000 20060601 74.70999908 No MI 1.00E+17
16218228 20360501 756000 20060601 80 No MI 1.00E+17
16218229 20360501 452000 20060601 62.77999878 No MI 1.00E+17
16218226 20360501 522500 20060601 76.83999634 No MI 1.00E+17
16218150 20360501 1500000 20060601 68.56999969 No MI 1.00E+17
16218151 20360501 650000 20060601 78.79000092 No MI 1.00E+17
16218152 20360501 583600 20060601 80 No MI 1.00E+17
16218153 20360501 427992 20060601 80 No MI 1.00E+17
16218154 20360501 596000 20060601 80 No MI 1.00E+17
16218155 20360401 452000 20060501 80 No MI 1.00E+17
16218156 20360501 504000 20060601 70 No MI 1.00E+17
16218157 20360501 580000 20060601 73.41999817 No MI 1.00E+17
16218158 20360501 436800 20060601 80 No MI 1.00E+17
16218159 20360501 564000 20060601 80 No MI 1.00E+17
16218160 20360501 488861 20060601 80 No MI 1.00E+17
16218161 20360501 127720 20060601 80 No MI 1.00E+17
16218162 20360501 616000 20060601 80 No MI 1.00E+17
16218163 20360501 650000 20060601 77.37999725 No MI 1.00E+17
16218164 20360501 535500 20060601 90 United Guaranty 1.00E+17
16218165 20360501 139200 20060601 80 No MI 1.00E+17
16218166 20360501 532000 20060601 80 No MI 1.00E+17
16218167 20360501 700000 20060601 49.11999893 No MI 1.00E+17
16218168 20360501 705000 20060601 78.33000183 No MI 1.00E+17
16218169 20360501 881250 20060601 75 No MI 1.00E+17
16218126 20360501 1100000 20060601 55 No MI 1.00E+17
16218170 20360501 800000 20060601 80 No MI 1.00E+17
16218171 20360501 528000 20060601 80 No MI 1.00E+17
16218172 20360501 836000 20060601 80 No MI 1.00E+17
16218173 20360501 567014 20060601 80 No MI 1.00E+17
16218174 20360501 496000 20060601 80 No MI 1.00E+17
16218175 20360501 592000 20060601 75.90000153 No MI 1.00E+17
16218176 20360501 1068750 20060601 75 No MI 1.00E+17
16218177 20360501 608000 20060601 80 No MI 1.00E+17
16218178 20360501 650000 20060601 77.83999634 No MI 1.00E+17
16218179 20360501 624000 20060601 80 No MI 1.00E+17
16218180 20360501 632000 20060601 80 No MI 1.00E+17
16218127 20360401 445600 20060501 80 No MI 1.00E+17
16218128 20360501 1000000 20060601 68.97000122 No MI 1.00E+17
16218129 20360501 417050 20060601 75.97000122 No MI 1.00E+17
16218181 20360501 700000 20060601 49.11999893 No MI 1.00E+17
16218182 20360501 979000 20060601 78.31999969 No MI 1.00E+17
16218183 20360501 444000 20060601 80 No MI 1.00E+17
16218184 20360501 440000 20060601 80 No MI 1.00E+17
16218185 20360501 427000 20060601 50.83000183 No MI 1.00E+17
16218130 20360501 212400 20060601 90 Republic MIC 1.00E+17
16218131 20360401 543000 20060501 70.05999756 No MI 1.00E+17
16218132 20360401 495000 20060501 75 No MI 1.00E+17
16218186 20360501 564800 20060601 80 No MI 1.00E+17
16218187 20360501 617500 20060601 68.61000061 No MI 1.00E+17
16218188 20360501 264000 20060601 80 No MI 1.00E+17
16218189 20360501 466400 20060601 80 No MI 1.00E+17
16218190 20360401 562000 20060501 70.25 No MI 1.00E+17
16218191 20360501 155990 20060601 80 No MI 1.00E+17
16218192 20360501 665000 20060601 72.68000031 No MI 1.00E+17
16218193 20360501 472000 20060601 80 No MI 1.00E+17
16218194 20360501 440000 20060601 80 No MI 1.00E+17
16218195 20360501 576000 20060601 80 No MI 1.00E+17
16218196 20360501 537600 20060601 80 No MI 1.00E+17
16218197 20360501 235000 20060601 79.93000031 No MI 1.00E+17
16218198 20360501 650000 20060601 76.47000122 No MI 1.00E+17
16218199 20360501 245340 20060601 87 Republic MIC 1.00E+17
16218133 20360501 423500 20060601 79.98999786 No MI 1.00E+17
16218134 20360501 435700 20060601 79.98000336 No MI 1.00E+17
16218135 20360401 499900 20060501 69.91999817 No MI 1.00E+17
16218136 20360501 515000 20060601 77.44000244 No MI 1.00E+17
16218137 20360501 880000 20060601 80 No MI 1.00E+17
16218138 20360401 440000 20060501 71.54000092 No MI 1.00E+17
16218139 20360401 446000 20060501 26.23999977 No MI 1.00E+17
16218140 20360501 747870 20060601 80 No MI 1.00E+17
16218141 20360501 460765 20060601 50.59000015 No MI 1.00E+17
16218142 20360401 435050 20060501 79.98999786 No MI 1.00E+17
16218143 20360501 568048 20060601 80 No MI 1.00E+17
16218144 20360501 905600 20060601 80 No MI 1.00E+17
16218145 20360501 878424 20060601 80 No MI 1.00E+17
16218146 20360501 896000 20060601 80 No MI 1.00E+17
16218147 20360501 500000 20060601 18.52000046 No MI 1.00E+17
16218148 20360301 450000 20060401 85.70999908 United Guaranty 1.00E+17
16218149 20360501 198560 20060601 80 No MI 1.00E+17
16218100 20360401 787500 20060501 75 No MI 1.00E+17
16218101 20360401 465350 20060501 80 No MI 1.00E+17
16218102 20360401 1000000 20060501 70.79000092 No MI 1.00E+17
16218103 20360401 623200 20060501 80 No MI 1.00E+17
16218104 20360501 656000 20060601 80 No MI 1.00E+17
16218105 20360401 456400 20060501 80 No MI 1.00E+17
16218106 20360301 492000 20060401 80 No MI 1.00E+17
16218113 20360501 476000 20060601 80 No MI 1.00E+17
16218114 20360501 445700 20060601 79.98999786 No MI 1.00E+17
16218115 20360501 580000 20060601 80 No MI 1.00E+17
16218116 20360401 472500 20060501 79.98999786 No MI 1.00E+17
16218117 20360501 562500 00000000 00 XX Xxxxxxx XX 1.00E+17
16218118 20360501 584908 20060601 80 No MI 1.00E+17
16218119 20360501 991500 20060601 74.98999786 No MI 1.00E+17
16218107 20360401 484000 20060501 80 No MI 1.00E+17
16218108 20360401 452600 20060501 79.98999786 No MI 1.00E+17
16218109 20360401 496000 20060501 80 No MI 1.00E+17
16218120 20360401 597100 20060501 80 No MI 1.00E+17
16218121 20360401 639950 20060501 79.98999786 No MI 1.00E+17
16218122 20360501 542500 20060601 61.22999954 No MI 1.00E+17
16218123 20360501 467550 20060601 79.56999969 No MI 1.00E+17
16218124 20360501 471600 20060601 80 No MI 1.00E+17
16218125 20360501 508000 20060601 80 No MI 1.00E+17
16218110 20360501 444550 20060601 80 No MI 1.00E+17
16218111 20360501 510000 20060601 71.33000183 No MI 1.00E+17
16218112 20360401 535500 20060501 70 No MI 1.00E+17
16218083 20360501 606154 20060601 80 No MI 1.00E+17
16218084 20360401 510000 20060501 66.75 No MI 1.00E+17
16218085 20360501 504000 20060601 80 No MI 1.00E+17
16218086 20360501 908000 20060601 80 No MI 1.00E+17
16218087 20360501 294392 20060601 80 No MI 1.00E+17
16218088 20360501 960000 20060601 80 No MI 1.00E+17
16218089 20360401 962500 20060501 55 No MI 1.00E+17
16218090 20360401 656500 20060501 66.65000153 No MI 1.00E+17
16218091 20360401 495000 20060501 56.90000153 No MI 1.00E+17
16218092 20360401 561000 20060501 72.38999939 No MI 1.00E+17
16218093 20360501 656000 20060601 80 No MI 1.00E+17
16218094 20360401 697356 20060501 80 No MI 1.00E+17
16218095 20360401 730000 20060501 76.83999634 No MI 1.00E+17
16218096 20360401 743100 20060501 80 No MI 1.00E+17
16218097 20360401 577500 20060501 70 No MI 1.00E+17
16218098 20360401 452800 20060501 80 No MI 1.00E+17
16218099 20360501 1000000 20060601 76.91999817 No MI 1.00E+17
16218300 20360501 504000 20060601 70 No MI 1.00E+17
16218301 20360501 452000 20060601 80 No MI 1.00E+17
16218302 20360501 420000 20060601 80 No MI 1.00E+17
16218303 20360501 560000 20060601 80 No MI 1.00E+17
16218304 20360501 1000000 20060601 77.51999664 No MI 1.00E+17
16218305 20360501 442400 20060601 80 No MI 1.00E+17
16218306 20360501 719200 20060601 80 No MI 1.00E+17
16218307 20360501 864000 20060601 69.12000275 No MI 1.00E+17
16218308 20360501 435000 20060601 43.72000122 No MI 1.00E+17
16218309 20360501 552000 20060601 80 No MI 1.00E+17
16218310 20360501 448000 20060601 80 No MI 1.00E+17
16218311 20360501 451950 20060601 80 No MI 1.00E+17
16218312 20360501 435000 20060601 78.37999725 No MI 1.00E+17
16218313 20360501 479200 20060601 79.87999725 No MI 1.00E+17
16218314 20360501 751800 20060601 80 No MI 1.00E+17
16218315 20360501 497600 20060601 80 No MI 1.00E+17
16218316 20360501 908000 20060601 80 No MI 1.00E+17
16218317 20360501 1540000 20060601 70 No MI 1.00E+17
16218318 20360501 792000 20060601 80 No MI 1.00E+17
16218319 20360501 430000 20060601 80 No MI 1.00E+17
16218320 20360501 742000 20060601 74.56999969 No MI 1.00E+17
16218321 20360501 824000 20060601 80 No MI 1.00E+17
16218322 20360501 500000 20060601 49.02000046 No MI 1.00E+17
16218323 20360501 560000 20060601 80 No MI 1.00E+17
16218324 20360601 424000 20060701 80 No MI 1.00E+17
16218325 20360501 670000 20060601 74.44000244 No MI 1.00E+17
16218326 20360501 520000 20060601 80 No MI 1.00E+17
16218327 20360501 646000 20060601 61.75999832 No MI 1.00E+17
16218328 20360601 435000 20060701 50.58000183 No MI 1.00E+17
16218329 20360501 708000 20060601 80 No MI 1.00E+17
16218330 20360501 453111 20060601 80 No MI 1.00E+17
16218331 20360501 457850 20060601 80 No MI 1.00E+17
16218332 20360501 800000 20060601 76.91999817 No MI 1.00E+17
16218220 20360501 540000 20060601 80 No MI 1.00E+17
16218221 20360501 632000 20060601 80 No MI 1.00E+17
16218222 20360501 696500 20060601 70 No MI 1.00E+17
16218223 20360501 672000 20060601 80 No MI 1.00E+17
16218224 20360501 504000 20060601 80 No MI 1.00E+17
16218225 20360501 492000 20060601 80 No MI 1.00E+17
16218200 20360501 1443750 20060601 75 No MI 1.00E+17
16218201 20360501 850000 20060601 70.88999939 No MI 1.00E+17
16218202 20360501 1000000 20060601 73.52999878 No MI 1.00E+17
16218203 20360501 1020000 20060601 53.68000031 No MI 1.00E+17
16218204 20360501 650000 20060601 73.94999695 No MI 1.00E+17
16218205 20360501 579800 20060601 79.98999786 No MI 1.00E+17
16218206 20360501 426400 20060601 80 No MI 1.00E+17
16218207 20360501 1497900 20060601 57.61000061 No MI 1.00E+17
16218208 20360501 595000 20060601 69.19000244 No MI 1.00E+17
16218209 20360501 650000 20060601 77.37999725 No MI 1.00E+17
16218210 20360501 1000000 20060601 58.81999969 No MI 1.00E+17
16218211 20360501 736000 20060601 80 No MI 1.00E+17
16218212 20360501 764000 20060601 80 No MI 1.00E+17
16218213 20360501 800000 20060601 80 No MI 1.00E+17
16218214 20360501 517173 20060601 80 No MI 1.00E+17
16218215 20360501 478000 20060601 56.90000153 No MI 1.00E+17
16218216 20360501 631500 20060601 56.63999939 No MI 1.00E+17
16218217 20360501 428000 20060601 71.93000031 No MI 1.00E+17
16218218 20360501 849473 20060601 80 No MI 1.00E+17
16218256 20360501 696000 20060601 80 No MI 1.00E+17
16218257 20360501 436800 20060601 62.31000137 No MI 1.00E+17
16218258 20360501 496000 20060601 80 No MI 1.00E+17
16218259 20360501 1110000 20060601 54.15000153 No MI 1.00E+17
16218260 20360501 451700 20060601 54.41999817 No MI 1.00E+17
16218261 20360501 448000 20060601 80 No MI 1.00E+17
16218262 20360501 441000 20060601 72.88999939 No MI 1.00E+17
16218263 20360501 151950 20060601 92.08999634 Triad Guaranty 1.00E+17
16218264 20360501 584000 20060601 80 No MI 1.00E+17
16218265 20360501 520000 20060601 80 No MI 1.00E+17
16218266 20360501 860000 20060601 80 No MI 1.00E+17
16218267 20360501 595200 20060601 80 No MI 1.00E+17
16218268 20360501 716000 20060601 80 No MI 1.00E+17
16218269 20360501 531200 20060601 80 No MI 1.00E+17
16218253 20360501 476000 20060601 79.98000336 No MI 1.00E+17
16218270 20360501 489300 20060601 70 No MI 1.00E+17
16218271 20360501 464000 20060601 80 No MI 1.00E+17
16218272 20360501 744000 20060601 80 No MI 1.00E+17
16218273 20360501 590500 20060601 78.73000336 No MI 1.00E+17
16218274 20360501 579600 20060601 80 No MI 1.00E+17
16218275 20360501 550000 20060601 59.13999939 No MI 1.00E+17
16218276 20360501 788000 20060601 80 No MI 1.00E+17
16218277 20360501 1000000 20060601 76.91999817 No MI 1.00E+17
16218278 20360501 650000 20060601 70.83999634 No MI 1.00E+17
16218279 20360501 500000 20060601 80 No MI 1.00E+17
16218280 20360501 650000 20060601 79.26999664 No MI 1.00E+17
16218281 20360501 635000 20060601 75.59999847 No MI 1.00E+17
16218282 20360501 808000 20060601 80 No MI 1.00E+17
16218283 20360501 495202 20060601 80 No MI 1.00E+17
16218284 20360501 650000 20060601 74.62999725 No MI 1.00E+17
16218285 20360501 444000 20060601 80 No MI 1.00E+17
16218286 20360501 504000 20060601 80 No MI 1.00E+17
16218287 20360501 440000 20060601 80 No MI 1.00E+17
16218288 20360501 443200 20060601 80 No MI 1.00E+17
16218289 20360501 680000 20060601 68.69000244 No MI 1.00E+17
16218290 20360501 460000 20060601 80 No MI 1.00E+17
16218291 20360501 536000 20060601 80 No MI 1.00E+17
16218292 20360501 494350 20060601 80 No MI 1.00E+17
16218293 20360501 638050 20060601 89.98999786 United Guaranty 1.00E+17
16218294 20360501 530252 20060601 80 No MI 1.00E+17
16218295 20360501 555001 20060601 61.66999817 No MI 1.00E+17
16218296 20360501 448000 20060601 80 No MI 1.00E+17
16218297 20360501 576000 20060601 80 No MI 1.00E+17
16218298 20360501 600000 20060601 79.16000366 No MI 1.00E+17
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16218254 20360501 640385 20060601 67.98000336 No MI 1.00E+17
16218255 20360501 430000 20060601 78.47000122 No MI 1.00E+17
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16199806 20360401 540000 20060501 72 No MI 1.00E+17
16199807 20360501 650000 20060601 69.88999939 No MI 1.00E+17
16199808 20360501 633900 20060601 66.73000336 No MI 1.00E+17
16199809 20360401 620000 20060501 80 No MI 1.00E+17
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16199842 20360501 960000 20060601 80 No MI 1.00E+17
16199843 20360501 469000 20060601 70 No MI 1.00E+17
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16199846 20360501 567000 20060601 73.91999817 No MI 1.00E+17
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16199852 20360401 622000 20060501 69.75 No MI 1.00E+17
16199853 20360201 649949.79 20060301 46.41999817 No MI
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16199855 20360501 596000 20060601 80 No MI 1.00E+17
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16199796 20360501 559200 20060601 80 No MI 1.00E+17
16199797 20360501 788000 20060601 80 No MI 1.00E+17
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16199706 20360401 479000 20060501 73.69000244 No MI 1.00E+17
16199707 20360401 445000 20060501 51.74000168 No MI 1.00E+17
16199708 20360501 545000 20060601 64.12000275 No MI 1.00E+17
16199709 20360501 475000 20060601 39.58000183 No MI 1.00E+17
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16199712 20360501 679347 20060601 80 No MI 1.00E+17
16199713 20360501 640000 20060601 80 No MI 1.00E+17
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16199717 20360401 585000 20060501 73.12999725 No MI 1.00E+17
16199718 20360201 548000 20060301 80 No MI 1.00E+17
16199719 20360401 577600 20060501 80 No MI 1.00E+17
16199700 20360401 665250 20060501 80 No MI 1.00E+17
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16199702 20360501 457000 20060601 56.41999817 No MI 1.00E+17
16199703 20360401 456000 20060501 25.32999992 No MI 1.00E+17
16199704 20360401 1075000 20060501 46.74000168 No MI 1.00E+17
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16199788 20360501 443920 20060601 80 No MI 1.00E+17
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16199790 20360501 480000 20060601 80 No MI 1.00E+17
16199791 20360501 620000 20060601 80 No MI 1.00E+17
16199792 20360401 650000 20060501 68.41999817 No MI 1.00E+17
16199793 20360501 600000 20060601 73.88999939 No MI 1.00E+17
16199794 20360401 515000 20060501 79.37999725 No MI 1.00E+17
16199690 20360501 770000 20060601 71.62999725 No MI 1.00E+17
16199691 20360401 540000 20060501 80 No MI 1.00E+17
16199692 20360401 530000 20060501 63.86000061 No MI 1.00E+17
16199693 20360401 437500 20060501 70 No MI 1.00E+17
16199694 20360401 595000 20060501 52.41999817 No MI 1.00E+17
16199695 20360501 925000 20060601 50 No MI 1.00E+17
16199696 20360301 516000 20060401 80 No MI 1.00E+17
16199697 20360501 607000 20060601 43.36000061 No MI 1.00E+17
16199698 20360401 520000 20060501 80 No MI 1.00E+17
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16199681 20360401 454950 20060501 79.98999786 No MI 1.00E+17
16199682 20360401 500000 20060501 72.98999786 No MI 1.00E+17
16199683 20360401 516000 20060501 80 No MI 1.00E+17
16199684 20360401 579000 20060501 69.83999634 No MI 1.00E+17
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16199686 20360401 556000 20060501 80 No MI 1.00E+17
16199687 20360401 714000 20060501 79.33000183 No MI 1.00E+17
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16199689 20360401 566250 20060501 75 No MI 1.00E+17
16199663 20360401 760000 20060501 80 No MI 1.00E+17
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16199665 20360401 465600 20060501 80 No MI 1.00E+17
16199666 20360401 510600 20060501 75.63999939 No MI 1.00E+17
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16199668 20360501 1610000 20060601 70 No MI 1.00E+17
16199669 20360401 876000 20060501 80 No MI 1.00E+17
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16199671 20360401 800000 20060501 72.40000153 No MI 1.00E+17
16199672 20360401 532500 20060501 75 No MI 1.00E+17
16199673 20360401 480000 20060501 67.12999725 No MI 1.00E+17
16199674 20360401 624000 20060501 80 No MI 1.00E+17
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16199676 20360501 500000 20060601 41.66999817 No MI 1.00E+17
16199677 20360401 760000 20060501 80 No MI 1.00E+17
16199678 20360501 640000 20060601 78.05000305 No MI 1.00E+17
16199679 20360401 525000 20060501 70 No MI 1.00E+17
16199753 20360401 592000 20060501 80 No MI 1.00E+17
16199754 20360501 675000 20060601 37.5 No MI 1.00E+17
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16199762 20360501 1122000 20060601 60 No MI 1.00E+17
16199763 20360401 776000 20060501 80 No MI 1.00E+17
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16199765 20360501 580000 20060601 80 No MI 1.00E+17
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16199767 20360501 508792 20060601 80 No MI 1.00E+17
16199768 20360501 492000 20060601 80 No MI 1.00E+17
16199769 20360501 460000 20060601 80 No MI 1.00E+17
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16199771 20360501 500000 20060601 46.99000168 No MI 1.00E+17
16199772 20360501 655000 20060601 77.98000336 No MI 1.00E+17
16199773 20360501 650000 20060601 67.5 No MI 1.00E+17
16199774 20360501 548000 20060601 80 No MI 1.00E+17
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16199776 20360501 424000 20060601 80 No MI 1.00E+17
16199777 20360401 757535 20060501 58.27000046 No MI 1.00E+17
16199778 20360401 585000 20060501 48.75 No MI 1.00E+17
16199779 20360401 880000 20060501 80 No MI 1.00E+17
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16199781 20360501 468000 20060601 80 No MI 1.00E+17
16199782 20360501 570068 20060601 75.01000214 No MI 1.00E+17
16199783 20360401 650000 20060501 76.91999817 No MI 1.00E+17
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16199785 20360501 488000 20060601 80 No MI 1.00E+17
16199786 20360501 448000 20060601 80 No MI 1.00E+17
16199755 20360401 665500 20060501 76.05999756 No MI 1.00E+17
16199756 20360501 535200 20060601 80 No MI 1.00E+17
16199757 20360401 592000 20060501 80 No MI 1.00E+17
16199758 20360401 584000 20060501 78.76000214 No MI 1.00E+17
16199759 20360501 540000 20060601 80 No MI 1.00E+17
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16199635 20360501 720000 20060601 80 No MI 1.00E+17
16199636 20360501 610992 20060601 80 No MI 1.00E+17
16199637 20360501 783175 20060601 80 No MI 1.00E+17
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16199639 20360501 550000 20060601 76.30000305 No MI 1.00E+17
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16199641 20360401 448575 20060501 80 No MI 1.00E+17
16199642 20360501 984725 20060601 65.65000153 No MI 1.00E+17
16199643 20360501 443576 20060601 80 No MI 1.00E+17
16199644 20360401 457002 20060501 80 No MI 1.00E+17
16199645 20360501 468715 20060601 80 No MI 1.00E+17
16199646 20360401 469171 20060501 80 No MI 1.00E+17
16199647 20360101 478600 20060201 76.58000183 No MI 1.00E+17
16199648 20360401 500000 20060501 58.13999939 No MI 1.00E+17
16199649 20360401 580000 20060501 80 No MI 1.00E+17
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16199651 20360301 560000 20060401 80 No MI 1.00E+17
16199652 20360301 480500 20060401 80 No MI 1.00E+17
16199653 20360301 528000 20060401 70.87000275 No MI 1.00E+17
16199654 20360401 496000 20060501 80 No MI 1.00E+17
16199655 20360401 630000 20060501 43.45000076 No MI 1.00E+17
16199656 20360401 514000 20060501 74.81999969 No MI 1.00E+17
16199657 20360401 710000 20060501 73.95999908 No MI 1.00E+17
16199658 20360401 965250 20060501 75 No MI 1.00E+17
16199659 20360401 422300 20060501 56.68000031 No MI 1.00E+17
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16199661 20360401 699000 20060501 75 No MI 1.00E+17
16199662 20360401 700000 20060501 55.77999878 No MI 1.00E+17
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16199724 20360501 447330 20060601 75 No MI 1.00E+17
16199725 20360301 1860000 20060401 80 No MI 1.00E+17
16199726 20360501 580148 20060601 80 No MI 1.00E+17
16199727 20360501 596872 20060601 80 No MI 1.00E+17
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16199730 20360501 568000 20060601 80 No MI 1.00E+17
16199731 20360501 420000 20060601 79.25 No MI 1.00E+17
16199732 20360401 492000 20060501 80 No MI 1.00E+17
16199733 20360301 572000 20060401 80 No MI 1.00E+17
16199734 20360501 679920 20060601 80 No MI 1.00E+17
16199735 20360501 488000 20060601 80 No MI 1.00E+17
16199736 20360401 696000 20060501 80 No MI 1.00E+17
16199737 20360501 597200 20060601 80 No MI 1.00E+17
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16199739 20360401 602000 20060501 70 No MI 1.00E+17
16199740 20360501 608000 20060601 80 No MI 1.00E+17
16199741 20360401 480000 20060501 80 No MI 1.00E+17
16199742 20360501 440000 20060601 80 No MI 1.00E+17
16199743 20360401 620000 20060501 42.22999954 No MI 1.00E+17
16199744 20360501 500000 20060601 29.40999985 No MI 1.00E+17
16199745 20360501 471920 20060601 80 No MI 1.00E+17
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16199747 20360401 560000 20060501 78.31999969 No MI 1.00E+17
16199748 20360501 465500 20060601 70 No MI 1.00E+17
16199749 20360501 975000 20060601 75 No MI 1.00E+17
16199750 20360401 532000 20060501 80 No MI 1.00E+17
16199751 20360401 654000 20060501 80 No MI 1.00E+17
16199752 20360501 1000000 20060601 74.08000183 No MI 1.00E+17
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16199722 20360401 500000 20060501 80 No MI 1.00E+17
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16199856 20360401 500000 20060501 33.33000183 No MI 1.00E+17
16199857 20360501 999900 20060601 79.87999725 No MI 1.00E+17
16199800 20360501 904000 20060601 80 No MI 1.00E+17
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16199802 20360501 650000 20060601 59.09000015 No MI 1.00E+17
16199803 20360501 1500000 20060601 45.45000076 No MI 1.00E+17
16199804 20360501 452000 20060601 80 No MI 1.00E+17
16218700 20360501 456000 20060601 80 No MI 1.00E+17
16218701 20360501 837000 20060601 68.33000183 No MI 1.00E+17
16218702 20360501 439500 20060601 79.62000275 No MI 1.00E+17
16218703 20360501 623200 20060601 80 No MI 1.00E+17
16218704 20360501 450000 20060601 66.66999817 No MI 1.00E+17
16218705 20360501 808000 20060601 80 No MI 1.00E+17
16218706 20360501 496000 20060601 80 No MI 1.00E+17
16218707 20360501 608000 20060601 80 No MI 1.00E+17
16218708 20360501 560000 20060601 71.79000092 No MI 1.00E+17
16218709 20360501 735500 20060601 75.05000305 No MI 1.00E+17
16218710 20360501 600000 20060601 73.16999817 No MI 1.00E+17
16218711 20360501 528000 20060601 80 No MI 1.00E+17
16218712 20360501 500000 20060601 80 No MI 1.00E+17
16218713 20360501 920000 20060601 80 No MI 1.00E+17
16218714 20360501 550000 20060601 39.86000061 No MI 1.00E+17
16218715 20360501 482838 20060601 80 No MI 1.00E+17
16218716 20360501 450000 20060601 56.95999908 No MI 1.00E+17
16218717 20360501 794664 20060601 80 No MI 1.00E+17
16218718 20360501 465600 20060601 80 No MI 1.00E+17
16218719 20360501 956000 20060601 80 No MI 1.00E+17
16218720 20360501 420000 20060601 75 No MI 1.00E+17
16218721 20360501 511200 20060601 80 No MI 1.00E+17
16218722 20360501 488000 20060601 80 No MI 1.00E+17
16218723 20360501 592000 20060601 80 No MI 1.00E+17
16218724 20360501 822352 20060601 80 No MI 1.00E+17
16218725 20360501 572405 20060601 80 No MI 1.00E+17
16218624 20360501 680000 20060601 80 No MI 1.00E+17
16218625 20360501 596000 20060601 80 No MI 1.00E+17
16218626 20360501 520000 20060601 68.41999817 No MI 1.00E+17
16218627 20360501 548000 20060601 80 No MI 1.00E+17
16218628 20360501 429250 20060601 85 PMI 1.00E+17
16218629 20360401 424000 20060501 77.26000214 No MI 1.00E+17
16218630 20360501 496160 20060601 79.94000244 No MI 1.00E+17
16218631 20360501 566400 20060601 80 No MI 1.00E+17
16218632 20360501 427016 20060601 80 No MI 1.00E+17
16218633 20360501 880000 20060601 80 No MI 1.00E+17
16218634 20360501 564000 20060601 80 No MI 1.00E+17
16218635 20360501 550000 20060601 66.06999969 No MI 1.00E+17
16218636 20360501 622950 20060601 80 No MI 1.00E+17
16218637 20360501 540000 20060601 80 No MI 1.00E+17
16218638 20360501 495200 20060601 80 No MI 1.00E+17
16218639 20360501 600000 20060601 68.56999969 No MI 1.00E+17
16218640 20360501 2000000 20060601 63.49000168 No MI 1.00E+17
16218641 20360501 552000 20060601 80 No MI 1.00E+17
16218642 20360501 995000 20060601 65.25 No MI 1.00E+17
16218643 20360501 860000 20060601 80 No MI 1.00E+17
16218644 20360501 450000 20060601 65.22000122 No MI 1.00E+17
16218645 20360501 480000 20060601 80 No MI 1.00E+17
16218646 20360501 500000 20060601 60.61000061 No MI 1.00E+17
16218647 20360501 1965000 20060601 56.13999939 No MI 1.00E+17
16218648 20360501 579200 20060601 80 No MI 1.00E+17
16218649 20360501 650000 20060601 74.5 No MI 1.00E+17
16218650 20360401 476000 20060501 34 No MI 1.00E+17
16218651 20360401 650000 20060501 75.37000275 No MI 1.00E+17
16218652 20360501 614000 20060601 80 No MI 1.00E+17
16218653 20360501 565000 20060601 66.47000122 No MI 1.00E+17
16218654 20360501 639680 20060601 80 No MI 1.00E+17
16218655 20360501 700000 20060601 80 No MI 1.00E+17
16218656 20360501 640000 20060601 80 No MI 1.00E+17
16218657 20360501 880000 20060601 80 No MI 1.00E+17
16218658 20360501 464000 20060601 80 No MI 1.00E+17
16218659 20360501 596000 20060601 80 No MI 1.00E+17
16218660 20360501 529150 20060601 80 No MI 1.00E+17
16218661 20360501 444000 20060601 80 No MI 1.00E+17
16218662 20360501 540000 20060601 49.50999832 No MI 1.00E+17
16218663 20360501 479960 20060601 80 No MI 1.00E+17
16218664 20360501 600000 20060601 80 No MI 1.00E+17
16218665 20360501 765000 20060601 63.22000122 No MI 1.00E+17
16218666 20360501 740000 20060601 80 No MI 1.00E+17
16218667 20360501 726800 20060601 79.43000031 No MI 1.00E+17
16218668 20360501 650000 20060601 68.41999817 No MI 1.00E+17
16218669 20360501 450000 20060601 31.90999985 No MI 1.00E+17
16218670 20360501 856000 20060601 80 No MI 1.00E+17
16218671 20360501 431950 20060601 79.98999786 No MI 1.00E+17
16218672 20360501 500000 20060601 80 No MI 1.00E+17
16218673 20360401 480000 20060501 80 No MI 1.00E+17
16218674 20360501 590000 20060601 66.13999939 No MI 1.00E+17
16218675 20360501 655960 20060601 80 No MI 1.00E+17
16218676 20360501 560000 20060601 78.31999969 No MI 1.00E+17
16218677 20360501 696000 20060601 63.27000046 No MI 1.00E+17
16218678 20360501 738000 20060601 67.70999908 No MI 1.00E+17
16218679 20360501 650000 20060601 75.58000183 No MI 1.00E+17
16218680 20360501 565000 20060601 42.63999939 No MI 1.00E+17
16218681 20360501 495000 20060601 69.23000336 No MI 1.00E+17
16218682 20360501 956000 20060601 80 No MI 1.00E+17
16218683 20360501 480000 20060601 80 No MI 1.00E+17
16218684 20360501 440000 20060601 76.51999664 No MI 1.00E+17
16218685 20360501 460800 20060601 79.44999695 No MI 1.00E+17
16218686 20360501 479900 20060601 80 No MI 1.00E+17
16218687 20360501 800000 20060601 80 No MI 1.00E+17
16218688 20360501 460000 20060601 80 No MI 1.00E+17
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16218614 20360501 470400 20060601 80 No MI 1.00E+17
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16166544 20360401 520000 20060501 80 No MI 1.00E+17
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16166426 20360401 840000 20060501 80 No MI 1.00E+17
16166428 20360401 437038 20060501 80 No MI 1.00E+17
16166435 20360401 520000 20060501 80 No MI 1.00E+17
16166436 20360401 1000000 20060501 76.91999817 No MI 1.00E+17
16166443 20360401 582000 20060501 47.70000076 No MI 1.00E+17
16166449 20360401 437905 20060501 80 No MI 1.00E+17
16166319 20360401 440000 20060501 80 No MI 1.00E+17
16166321 20360401 650000 20060501 69.47000122 No MI 1.00E+17
16166323 20360401 452476 20060501 80 No MI 1.00E+17
16166327 20360401 560000 20060501 69.13999939 No MI 1.00E+17
16166328 20360401 744000 20060501 80 No MI 1.00E+17
16166336 20360401 525000 20060501 70 No MI 1.00E+17
16166340 20360401 452000 20060501 80 No MI 1.00E+17
16166344 20360401 800500 20060501 63.08000183 No MI 1.00E+17
16166349 20360401 663750 20060501 75 No MI 1.00E+17
16166353 20360401 438439 20060501 74.51000214 No MI 1.00E+17
16166359 20360401 481600 20060501 80 No MI 1.00E+17
16166364 20360401 607600 20060501 80 No MI 1.00E+17
16166377 20360401 650000 20060501 79.26999664 No MI 1.00E+17
16166378 20360401 520000 20060501 75.47000122 No MI 1.00E+17
16166379 20360401 492000 20060501 80 No MI 1.00E+17
16166380 20360401 500000 20060501 47.06000137 No MI 1.00E+17
16166389 20360401 525600 20060501 75.08999634 No MI 1.00E+17
16166390 20360401 486000 20060501 80 No MI 1.00E+17
16166395 20360401 650000 20060501 68.41999817 No MI 1.00E+17
16166407 20360401 1000000 20060501 64.09999847 No MI 1.00E+17
16166411 20360401 432000 20060501 80 No MI 1.00E+17
16166289 20360401 850000 20060501 75.22000122 No MI 1.00E+17
16166296 20360401 790000 20060501 72.48000336 No MI 1.00E+17
16166310 20360301 1000000 20060401 61.91999817 No MI 1.00E+17
16166313 20360401 510000 20060501 60 No MI 1.00E+17
16166315 20360401 422000 20060501 80 No MI 1.00E+17
16166318 20360401 623234 20060501 80 No MI 1.00E+17
16166098 20360301 469799 20060401 80 No MI 1.00E+17
16166102 20360301 700000 20060401 49.36999893 No MI 1.00E+17
16166104 20360301 615920 20060401 80 No MI 1.00E+17
16166106 20360301 667000 20060401 79.87999725 No MI 1.00E+17
16166107 20360401 588000 20060501 80 No MI 1.00E+17
16166108 20360401 504432 20060501 80 No MI 1.00E+17
16166110 20360301 448500 20060401 65 No MI 1.00E+17
16166113 20360301 522600 20060401 80 No MI 1.00E+17
16166115 20360301 1360000 20060401 67.73000336 No MI 1.00E+17
16166116 20360301 650000 20060401 64.30000305 No MI 1.00E+17
16166121 20360301 451000 20060401 79.72000122 No MI 1.00E+17
16166122 20360301 545653 20060401 80 No MI 1.00E+17
16166125 20360301 423168 20060401 80 No MI 1.00E+17
16166127 20360301 556000 20060401 80 No MI 1.00E+17
16166128 20360401 1500000 20060501 9.840000153 No MI 1.00E+17
16166135 20360401 501300 20060501 79.98999786 No MI 1.00E+17
16166136 20360401 536000 20060501 80 No MI 1.00E+17
16166138 20360401 470000 20060501 79.93000031 No MI 1.00E+17
16166142 20360401 424000 20060501 80 No MI 1.00E+17
16166143 20360301 1441000 20060401 65.5 No MI 1.00E+17
16166145 20360301 636000 20060401 80 No MI 1.00E+17
16166147 20360301 531200 20060401 80 No MI 1.00E+17
16166148 20360401 591200 20060501 80 No MI 1.00E+17
16166151 20360301 507000 20060401 67.59999847 No MI 1.00E+17
16166152 20360401 445000 20060501 72.94999695 No MI 1.00E+17
16166155 20360301 516000 20060401 80 No MI 1.00E+17
16166159 20360401 431100 20060501 61.15000153 No MI 1.00E+17
16166160 20360401 520000 20060501 80 No MI 1.00E+17
16166161 20360401 672000 20060501 80 No MI 1.00E+17
16166163 20360401 686400 20060501 80 No MI 1.00E+17
16166164 20360401 472000 20060501 80 No MI 1.00E+17
16166167 20360301 486000 20060401 79.91999817 No MI 1.00E+17
16166168 20360301 550000 20060401 69.83999634 No MI 1.00E+17
16166170 20360401 523000 20060501 71.63999939 No MI 1.00E+17
16166175 20360301 431250 20060401 75 No MI 1.00E+17
16166176 20360401 570000 20060501 65.13999939 No MI 1.00E+17
16166178 20360401 481250 20060501 80 No MI 1.00E+17
16166189 20360401 605500 20060501 70 No MI 1.00E+17
16166194 20360301 512000 20060401 80 No MI 1.00E+17
16166197 20360301 441000 20060401 70 No MI 1.00E+17
16166200 20360401 669600 20060501 79.98999786 No MI 1.00E+17
16166201 20360401 422500 20060501 63.52999878 No MI 1.00E+17
16166202 20360301 511300 20060401 36.52000046 No MI 1.00E+17
16166203 20360401 637460 20060501 76.94999695 No MI 1.00E+17
16166204 20360401 650000 20060501 79.69000244 No MI 1.00E+17
16166207 20360401 588000 20060501 70 No MI 1.00E+17
16166213 20360301 880000 20060401 80 No MI 1.00E+17
16166217 20360401 426150 20060501 80 No MI 1.00E+17
16166218 20360301 604000 20060401 80 No MI 1.00E+17
16166220 20360401 435000 20060501 74.48999786 No MI 1.00E+17
16166223 20360401 600000 20060501 80 No MI 1.00E+17
16166225 20360401 517600 20060501 80 No MI 1.00E+17
16166232 20360401 512000 20060501 80 No MI 1.00E+17
16166234 20360401 703200 20060501 80 No MI 1.00E+17
16166235 20360301 600000 20060401 78.01999664 No MI 1.00E+17
16166237 20360401 468000 20060501 80 No MI 1.00E+17
16166238 20360401 650000 20060501 50 No MI 1.00E+17
16166245 20360401 429384 20060501 80 No MI 1.00E+17
16166247 20360401 515000 20060501 79.23000336 No MI 1.00E+17
16166249 20360301 503357 20060401 80 No MI 1.00E+17
16166255 20360401 650000 20060501 76.01999664 No MI 1.00E+17
16166267 20360401 492600 20060501 77.44000244 No MI 1.00E+17
16166069 20360401 475000 20060501 55.22000122 No MI 1.00E+17
16166074 20360401 585600 20060501 62.97000122 No MI 1.00E+17
16166083 20360401 457600 20060501 80 No MI 1.00E+17
16166092 20360301 436400 20060401 79.34999847 No MI 1.00E+17
2026
LOAN_SEQ MARGIN NEXT_RATE_ADJ_DATE1 MAX_RATE MIN_RATE PER_RATE_CAP LIEN BALLOON IO_FLAG
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
16046700 2.25 20090201 12.5 0 2 First Lien Y
16046701 2.25 20110201 11.375 1.875 2 First Lien Y
16046702 2.25 20110201 11.375 2 2 First Lien Y
16046703 2.25 20110201 10.75 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 11 2 2 First Lien Y
16046705 2.25 20090101 11.875 2 2 First Lien Y
16046706 2.25 20110201 11.375 1.875 2 First Lien Y
16046707 2.25 20160201 10.875 2 2 First Lien Y
16046708 2.25 20110201 11.25 2 2 First Lien Y
16046709 2.25 20110201 10.875 2 2 First Lien Y
16046710 2.25 20110201 11 2 2 First Lien Y
16046712 2.25 20110201 11 2 2 First Lien Y
16046713 2.25 20160201 11.5 2 2 First Lien Y
16046714 2.25 20110101 11.375 2 2 First Lien Y
16046715 2.25 20160201 11.25 2 2 First Lien Y
16046482 2.25 20100901 10.125 2 2 First Lien Y
16046498 2.25 20151201 10.875 2 2 First Lien Y
16046505 2.25 20150701 10.5 2 2 First Lien Y
16046511 2.25 20110101 11 2 2 First Lien Y
16046514 2.25 20110101 11.75 2 0 Xxxxx Xxxx X
00000000 2.25 20151201 11.375 2 2 First Lien Y
16046541 2.25 20160101 11.125 2 2 First Lien Y
16046546 2.25 20110101 11.625 2 2 First Lien Y
16046550 2.25 20160101 11.625 2 2 First Lien Y
16046562 2.25 20101201 10.875 2 2 First Lien Y
16046570 2.25 20110101 11.25 2 2 First Lien Y
16046579 2.25 20090101 12.125 2 2 First Lien Y
16046587 2.25 20160101 10.875 1.875 2 First Lien Y
16046597 2.25 20110101 12.25 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 10.875 2 2 First Lien Y
16046615 2.25 20110101 10.875 2 2 First Lien Y
16046618 2.25 20090101 12.25 2 2 First Lien Y
16046644 2.25 20110101 11.375 1.875 2 First Lien Y
16046645 2.25 20110101 10.75 2 0 Xxxxx Xxxx X
00000000 2.25 20080901 12.375 2 2 First Lien Y
16046648 2.25 20101101 10.375 1.875 2 First Lien Y
16046649 2.25 20100801 10 2 2 First Lien Y
16046651 2.25 20090201 12.75 2 2 First Lien Y
16046655 2.25 20110101 11.375 1.875 2 First Lien Y
16046663 2.25 20130101 10.875 2 2 First Lien Y
16046673 2.25 20080501 11.5 2 2 First Lien Y
16046675 2.25 20160101 11.5 1.875 2 First Lien Y
16046682 2.25 20100601 10.25 2 2 First Lien Y
16046693 2.25 20160101 11.25 2 2 First Lien Y
16046698 2.25 20110101 10.375 2 2 First Lien Y
16046711 2.25 20100901 10.5 2 2 First Lien Y
16046720 2.25 20110101 11.125 2 2 First Lien Y
16046729 2.25 20100201 10.75 2 2 First Lien Y
16046730 2.25 20151201 10.875 2 2 First Lien Y
16046738 2.25 20100101 10.125 2 2 First Lien Y
16046747 2.25 20160101 10.875 2 2 First Lien Y
16046763 2.25 20160101 11.25 2 2 First Lien Y
16046766 2.25 20100801 11.25 2 2 First Lien Y
16046767 2.25 20150901 10.875 2 2 First Lien Y
16046768 2.25 20110101 10.75 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 11.5 2 0 Xxxxx Xxxx X
00000000 2.25 20081201 12.875 2 2 First Lien Y
16046773 2.25 20080701 11.5 1.875 2 First Lien Y
16046779 2.25 20100601 9.875 1.875 2 First Lien Y
16046782 2.25 20160101 11.5 2 2 First Lien Y
16046807 2.25 20101201 11.75 2 2 First Lien Y
16046815 2.25 20160101 11.375 2 2 First Lien Y
16046821 2.25 20130101 11.5 2 2 First Lien Y
16046826 2.25 20151201 10.875 2 2 First Lien Y
16046739 2.25 20110201 10.875 2 2 First Lien Y
16046740 2.25 20160201 11.375 2 2 First Lien Y
16046741 2.25 20160101 11.375 2 2 First Lien Y
16046742 2.25 20110201 10.875 2 2 First Lien Y
16046743 2.25 20130201 11.375 2 2 First Lien Y
16046744 2.25 20110201 10.875 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 11 2 2 First Lien Y
16046748 2.25 20110101 10.375 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 10.75 2 2 First Lien Y
16046751 2.25 20110201 11 2 2 First Lien Y
16046752 2.25 20130101 11 2 2 First Lien Y
16046753 2.25 20160201 11.375 2 2 First Lien Y
16046754 2.25 20160101 11.125 2 2 First Lien Y
16046755 2.25 20160101 11.25 2 2 First Lien Y
16046756 2.25 20130201 12.25 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.5 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.5 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.875 2 2 First Lien Y
16046762 2.25 20110201 10.75 2 2 First Lien Y
16046764 2.25 20110101 10.5 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.875 2 2 First Lien Y
16046769 2.25 20110101 11.875 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11 2 2 First Lien Y
16046774 2.25 20160101 11.25 2 2 First Lien Y
16046775 2.25 20110201 11.75 2 2 First Lien Y
16046776 2.25 20090201 12.375 2 2 First Lien Y
16046777 2.25 20160201 11.625 1.875 2 First Lien Y
16046778 2.25 20160201 11.25 2 2 First Lien Y
16046780 2.25 20090201 12.75 2 2 First Lien Y
16046781 2.25 20110101 12 1.875 0 Xxxxx Xxxx X
00000000 2.25 20090201 12.25 2 2 First Lien Y
16046785 2.25 20160101 11.5 1.875 2 First Lien Y
16046786 2.25 20090201 13.125 2 2 First Lien Y
16046787 2.25 20090201 12.125 1.875 2 First Lien Y
16046788 2.25 20110201 11.5 1.875 2 First Lien Y
16046789 2.25 20090101 11.875 2 2 First Lien Y
16046790 2.25 20110101 11.875 1.875 0 Xxxxx Xxxx X
00000000 2.25 20160201 11 2 2 First Lien Y
16046792 2.25 20160201 10.5 2 2 First Lien Y
16046793 2.25 20160201 10.875 2 2 First Lien Y
16046794 2.25 20160201 11.75 2 2 First Lien Y
16046796 2.25 20160101 11.375 2 2 First Lien Y
16046797 2.25 20110201 11.25 2 2 First Lien Y
16046798 2.25 20160101 11.125 2 2 First Lien Y
16046799 2.25 20130201 11 2 2 First Lien Y
16046800 2.25 20130201 11.75 2 2 First Lien Y
16046801 2.25 20110201 11.625 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.875 2 2 First Lien Y
16046803 2.25 20130201 11.25 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11 2 2 First Lien Y
16046805 2.25 20110201 11.875 2 2 First Lien Y
16046806 2.25 20110201 11.125 2 2 First Lien Y
16046808 2.25 20090201 11.5 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 10.875 1.875 2 First Lien Y
16046810 2.25 20160101 10.875 2 2 First Lien Y
16046811 2.25 20110201 10.5 2 2 First Lien Y
16046812 2.25 20110201 11.125 2 2 First Lien Y
16046813 2.25 20110201 10.5 2 2 First Lien Y
16046814 2.25 20160101 11.375 2 2 First Lien Y
16046817 2.25 20160201 11.25 2 2 First Lien Y
16046818 2.25 20160201 11.5 2 2 First Lien Y
16046819 2.25 20110201 11.875 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.125 2 2 First Lien Y
16046822 2.25 20110201 11.875 2 2 First Lien Y
16046823 2.25 20110101 11.25 2 2 First Lien Y
16046824 2.25 20110201 11.25 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 11.875 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 10.875 2 2 First Lien Y
16046716 2.25 20110201 10.875 2 0 Xxxxx Xxxx X
00000000 2.25 20090201 12.25 2 2 First Lien Y
16046719 2.25 20130101 10.875 1.875 2 First Lien Y
16046721 2.25 20110201 11.625 2 2 First Lien Y
16046722 2.25 20110101 10.875 2 0 Xxxxx Xxxx X
00000000 2.25 20160101 11 2 2 First Lien Y
16046724 2.25 20090201 12.625 2 2 First Lien Y
16046725 2.25 20110201 11.875 1.875 2 First Lien Y
16046726 2.25 20130201 11 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 11.75 2 2 First Lien Y
16046728 2.25 20110201 11.75 2 2 First Lien Y
16046731 2.25 20110201 11.125 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.875 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 11 2 2 First Lien Y
16046734 2.25 20110201 11.25 2 2 First Lien Y
16046736 2.25 20160101 11.375 2 2 First Lien Y
16046737 2.25 20110201 11.5 2 2 First Lien Y
16046465 2.25 20160101 11.125 2 2 First Lien Y
16046466 2.25 20110101 11 2 2 First Lien Y
16046467 2.25 20110101 10.875 2 2 First Lien Y
16046468 2.25 20160201 11.5 2 2 First Lien Y
16046469 2.25 20110101 11.5 2 2 First Lien Y
16046470 2.25 20110201 11.875 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11 2 2 First Lien Y
16046472 2.25 20090201 11.875 2 2 First Lien Y
16046473 2.25 20090201 12.75 1.875 2 First Lien Y
16046474 2.25 20110201 10.875 1.875 2 First Lien Y
16046475 2.25 20110101 11.625 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.625 2 2 First Lien Y
16046477 2.25 20160201 11 2 2 First Lien Y
16046478 2.25 20110101 11.625 2 2 First Lien Y
16046479 2.25 20160101 10.375 2 2 First Lien Y
16046480 2.25 20110201 11.875 2 2 First Lien Y
16046481 2.25 20110201 10.875 2 2 First Lien Y
16046483 2.25 20110201 10.75 2 2 First Lien Y
16046485 2.25 20110201 10.875 2 2 First Lien Y
16046486 2.25 20110201 12 2 0 Xxxxx Xxxx X
00000000 2.25 20130101 11.125 2 2 First Lien Y
16046488 2.25 20160101 11.375 2 2 First Lien Y
16046489 2.25 20160201 11.125 2 2 First Lien Y
16046491 2.25 20110201 10.125 2 2 First Lien Y
16046492 2.25 20110201 12.125 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 10.875 2 2 First Lien Y
16046494 2.25 20160201 11.375 2 2 First Lien Y
16046496 2.25 20110201 10.75 2 2 First Lien Y
16046497 2.25 20110201 10.75 2 2 First Lien Y
16046499 2.25 20130101 11.125 2 2 First Lien Y
16046500 2.25 20110201 12.25 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 11.375 2 2 First Lien Y
16046502 2.25 20110201 11.75 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.875 2 2 First Lien Y
16046506 2.25 20160101 11.625 2 2 First Lien Y
16046507 2.25 20110201 11.25 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 11.25 2 2 First Lien Y
16046509 2.25 20110201 10.875 2 0 Xxxxx Xxxx X
00000000 2.25 20090201 11.875 2 2 First Lien Y
16046512 2.25 20160201 11.25 1.875 2 First Lien Y
16046513 2.25 20110201 11.125 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.375 2 2 First Lien Y
16046516 2.25 20090201 12.5 2 2 First Lien Y
16046517 2.25 20110201 11 1.875 2 First Lien Y
16046518 2.25 20110201 10.625 2 2 First Lien Y
16046519 2.25 20160201 11.25 2 2 First Lien Y
16046520 2.25 20110201 11.75 2 0 Xxxxx Xxxx X
00000000 2.25 20160101 11.125 2 2 First Lien Y
16046524 2.25 20110101 10 2 2 First Lien Y
16046643 2.25 20090201 12.25 2 2 First Lien Y
16046647 2.25 20160201 11.625 1.875 2 First Lien Y
16046650 2.25 20090201 12.75 2 2 First Lien Y
16046652 2.25 20160201 11 1.875 2 First Lien Y
16046653 2.25 20110101 11.375 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.375 2 2 First Lien Y
16046656 2.25 20160201 11 2 2 First Lien Y
16046657 2.25 20110101 11 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.875 2 2 First Lien Y
16046659 2.25 20110101 10.625 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 10.875 2 2 First Lien Y
16046661 2.25 20110201 11.125 2 2 First Lien Y
16046662 2.25 20110201 10.5 2 2 First Lien Y
16046664 2.25 20110201 11.5 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.75 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.125 2 2 First Lien Y
16046667 2.25 20110201 10.625 2 2 First Lien Y
16046669 2.25 20110201 11.75 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.875 2 2 First Lien Y
16046671 2.25 20160201 11.25 2 2 First Lien Y
16046672 2.25 20160101 11.25 2 2 First Lien Y
16046674 2.25 20160201 11.375 2 2 First Lien Y
16046676 2.25 20110201 10.875 2 2 First Lien Y
16046678 2.25 20110201 10.5 2 2 First Lien Y
16046679 2.25 20110201 11.25 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.875 2 2 First Lien Y
16046683 2.25 20110101 11.5 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 11 2 2 First Lien Y
16046685 2.25 20110101 10.875 2 2 First Lien Y
16046686 2.25 20160101 11.25 2 2 First Lien Y
16046687 2.25 20110201 11.5 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 11 2 2 First Lien Y
16046689 2.25 20160201 10.875 2 2 First Lien Y
16046690 2.25 20110101 11.625 2 2 First Lien Y
16046691 2.25 20110201 11.625 2 0 Xxxxx Xxxx X
00000000 2.25 20130201 11.125 2 0 Xxxxx Xxxx X
00000000 2.25 20090201 12.25 2 2 First Lien Y
16046695 2.25 20110201 11.75 1.875 2 First Lien Y
16046697 2.25 20160101 11.25 2 2 First Lien Y
16046699 2.25 20110201 11.5 2 2 First Lien Y
16046598 2.25 20160201 11.5 2 2 First Lien Y
16046600 2.25 20110201 11.75 2 2 First Lien Y
16046601 2.25 20110201 10.875 2 2 First Lien Y
16046602 2.25 20110201 11.625 2 2 First Lien Y
16046603 2.25 20110201 11.5 2 0 Xxxxx Xxxx X
00000000 2.25 20160101 10.875 2 2 First Lien Y
16046605 2.25 20160101 10.375 2 2 First Lien Y
16046607 2.25 20110101 10.75 2 2 First Lien Y
16046608 2.25 20110201 11.625 2 2 First Lien Y
16046609 2.25 20110201 11.625 2 2 First Lien Y
16046610 2.25 20160201 10.75 2 2 First Lien Y
16046612 2.25 20090101 12.375 2 2 First Lien Y
16046613 2.25 20110201 10.875 1.875 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.875 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 11.5 2 2 First Lien Y
16046617 2.25 20160101 10.875 2 2 First Lien Y
16046619 2.25 20090201 12.5 2 2 First Lien Y
16046620 2.25 20110101 10.75 1.875 2 First Lien Y
16046621 2.25 20110101 10.375 2 2 First Lien Y
16046622 2.25 20110201 11.5 2 2 First Lien Y
16046623 2.25 20110101 11.875 2 2 First Lien N
16046624 2.25 20110201 12.5 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 10.875 2 2 First Lien Y
16046626 2.25 20090101 12.25 2 2 First Lien Y
16046627 2.25 20110101 10.875 1.875 0 Xxxxx Xxxx X
00000000 2.25 20110201 10.25 2 2 First Lien Y
16046629 2.25 20110201 10.75 2 2 First Lien Y
16046630 2.25 20110101 11.5 2 2 First Lien Y
16046631 2.25 20110101 11.625 2 0 Xxxxx Xxxx X
00000000 2.25 20130201 11.25 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.5 2 2 First Lien Y
16046635 2.25 20110201 11.25 2 0 Xxxxx Xxxx X
00000000 2.25 20160201 11.25 2 2 First Lien Y
16046638 2.25 20110201 11.625 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11 2 2 First Lien Y
16046640 2.25 20160201 11.125 2 2 First Lien Y
16046641 2.25 20110101 11.625 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.375 2 2 First Lien Y
16046525 2.25 20110101 11.625 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.625 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11 2 0 Xxxxx Xxxx X
00000000 2.25 20110101 11.25 2 0 Xxxxx Xxxx X
00000000 2.25 20090201 12.25 2 2 First Lien Y
16046530 2.25 20110101 11 1.875 2 First Lien Y
16046531 2.25 20110201 12 2 0 Xxxxx Xxxx X
00000000 2.25 20110201 11.25 2 0 Xxxxx Xxxx X
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16166239 2.25 20110401 10.99 2 2 First Lien N
16166243 2.25 20110401 11.125 2 2 First Lien Y
16166244 2.25 20110401 11.25 2 2 First Lien Y
16166258 2.25 20110401 11.25 2 2 First Lien Y
16166261 2.25 20110401 10.875 2 2 First Lien Y
16166262 2.25 20110401 11.25 2 2 First Lien N
16166264 2.25 20110401 11.75 2 2 First Lien Y
16166265 2.25 20110401 11 2 2 First Lien N
16166070 2.25 20110401 10.25 2 2 First Lien Y
16166071 2.25 20101001 10.375 2 2 First Lien N
16166073 2.25 20101201 10.625 2 2 First Lien Y
16166077 2.25 20110401 11.25 2 2 First Lien Y
16166079 2.25 20110401 11.25 2 2 First Lien Y
16166085 2.25 20110401 11.625 2 2 First Lien Y
16166087 2.25 20110401 11.625 2 2 First Lien Y
16166093 2.25 20110101 10.875 2 2 First Lien Y
16184179 2.25 20130401 11 2 2 First Lien Y
16184180 2.25 20130401 11.5 2 2 First Lien Y
16184181 2.25 20130401 11.125 2 2 First Lien Y
16184183 2.25 20130401 11.375 2 2 First Lien Y
16184184 2.25 20130401 11.25 2 2 First Lien Y
16184185 2.25 20130401 11.25 2 2 First Lien Y
16184186 2.25 20130401 11 2 2 First Lien N
16184187 2.25 20130401 11.375 2 2 First Lien Y
16184188 2.25 20130401 11.75 2 2 First Lien Y
16184189 2.75 20130401 11.375 2 2 First Lien N
16184191 2.25 20130401 11.5 2.5 2 First Lien Y
16184193 2.25 20130401 11.625 2 2 First Lien Y
16184195 2.25 20130401 11.375 2 2 First Lien Y
16184196 2.25 20130401 11.625 2 2 First Lien Y
16184198 2.25 20130401 11.125 2 2 First Lien Y
16184199 2.25 20130401 11.25 2 2 First Lien Y
16184200 2.25 20130401 11.375 2 2 First Lien Y
16184202 2.25 20130401 11.125 2 2 First Lien Y
16184203 2.25 20130401 11.25 2 2 First Lien Y
16184204 2.25 20130401 11.25 2 2 First Lien Y
16184205 2.25 20130401 11.625 2 2 First Lien Y
16184209 2.25 20130401 11 2 2 First Lien N
16184212 2.25 20130401 11.875 2 2 First Lien Y
16184214 2.25 20130401 11.125 2 2 First Lien N
16184217 2.25 20130501 10.875 2 2 First Lien N
16184218 2.25 20130501 10.875 2 2 First Lien Y
16184219 2.25 20130501 11 2 2 First Lien Y
16184220 2.25 20130501 11.5 2 2 First Lien Y
16184221 2.25 20130501 11.25 2 2 First Lien Y
16184223 2.25 20130501 11.375 2 2 First Lien Y
16184224 2.25 20130501 11.375 2 2 First Lien Y
16184225 2.25 20130501 10.75 2 2 First Lien Y
16184226 2.25 20130401 10.875 2 2 First Lien Y
16184227 2.25 20130401 11.25 2 2 First Lien Y
16184228 2.25 20130501 11.25 2 2 First Lien N
16184229 2.25 20130501 11.5 2 2 First Lien Y
16184230 2.25 20130401 11.75 2 2 First Lien N
16184232 2.25 20130501 11.625 2 2 First Lien Y
16184234 2.25 20130501 11.25 2 2 First Lien Y
16184236 2.25 20130401 11.375 2 2 First Lien Y
16184239 2.25 20130501 11.125 2 2 First Lien Y
16184241 2.25 20130501 10.875 2 2 First Lien Y
16184245 2.25 20130501 11.625 2 2 First Lien Y
16184257 2.25 20130501 11.375 2 2 First Lien Y
16184259 2.25 20130501 11.375 2 2 First Lien Y
16184262 2.25 20130501 11.375 2 2 First Lien N
16184265 2.25 20130501 11.375 2 2 First Lien Y
16184266 2.25 20130501 11.5 2 2 First Lien Y
16184268 2.25 20130401 11 2 2 First Lien Y
16184176 2.25 20121001 10.875 2 2 First Lien N
16184177 2.25 20130401 11.5 2 2 First Lien N
16166799 2.25 20130401 11.375 2 2 First Lien Y
16166800 2.25 20130301 11.875 2 2 First Lien Y
16166802 2.25 20130401 11.75 2 2 First Lien Y
16166756 2.25 20130401 11.375 2 2 First Lien Y
16166760 2.25 20130401 10.875 2 2 First Lien Y
16166764 2.25 20130401 11.625 2 2 First Lien Y
16166785 2.75 20130301 11.25 2 2 First Lien N
16166739 2.25 20130401 11.125 2.5 2 First Lien N
16166620 2.25 20130401 11 2 2 First Lien Y
16166624 2.25 20130401 11.375 2 2 First Lien Y
16166626 2.25 20130401 11.125 2 2 First Lien Y
16166646 2.25 20130401 11.125 2 2 First Lien N
16166673 2.25 20130401 11.375 2 2 First Lien N
16166674 2.25 20130401 11.75 2 2 First Lien Y
16166675 2.25 20130401 12.125 2 2 First Lien Y
16166687 2.25 20130401 11.875 2 2 First Lien Y
16166731 2.25 20130401 11.75 2 2 First Lien Y
16166594 2.25 20130501 11.125 2 2 First Lien Y
16166599 2.25 20130401 11.75 2 2 First Lien Y
16166600 2.25 20130401 10.5 2 2 First Lien Y
16166573 2.25 20130401 11.25 2 2 First Lien Y
16166581 2.25 20130401 10.75 2 2 First Lien N
16166453 2.25 20130401 11.25 2 2 First Lien N
16166465 2.25 20130401 11.375 2 2 First Lien N
16166466 2.25 20130401 11.5 2 2 First Lien Y
16166468 2.25 20130401 11.375 2 2 First Lien Y
16166484 2.25 20130401 11.25 2 2 First Lien Y
16166485 2.25 20130401 11.125 2 2 First Lien N
16166487 2.25 20130401 10.625 2 2 First Lien Y
16166489 2.25 20130401 11.25 2 2 First Lien Y
16166490 2.25 20130401 11.375 2 2 First Lien Y
16166496 2.25 20130401 11.375 2 2 First Lien Y
16166506 2.25 20130401 11.375 2 2 First Lien Y
16166507 2.25 20130401 11.125 2 2 First Lien Y
16166512 2.25 20130401 11 2 2 First Lien Y
16166517 2.25 20130401 11.5 2 2 First Lien Y
16166529 2.25 20130401 10.75 2 2 First Lien Y
16166537 2.25 20130401 11.25 2 2 First Lien N
16166558 2.25 20130401 11.125 2 2 First Lien Y
16166559 2.25 20130401 11.375 2 2 First Lien Y
16166564 2.25 20130401 11 2 2 First Lien N
16166420 2.25 20130401 11.125 2 2 First Lien Y
16166427 2.25 20130401 11 2 2 First Lien Y
16166429 2.25 20130401 11.5 2 2 First Lien Y
16166432 2.25 20130401 10.875 2 2 First Lien Y
16166434 2.25 20130401 10.875 2 2 First Lien Y
16166446 2.25 20130401 11.25 2 2 First Lien Y
16166448 2.25 20130401 11 2 2 First Lien N
16166452 2.25 20130401 11.5 2 2 First Lien Y
16166324 2.25 20130301 11 2 2 First Lien Y
16166330 2.25 20130401 10.875 2 2 First Lien Y
16166332 2.25 20130401 11 2 2 First Lien Y
16166333 2.25 20130401 10.875 2 2 First Lien Y
16166342 2.25 20130401 11.25 2 2 First Lien Y
16166346 2.25 20130401 11.5 2 2 First Lien Y
16166348 2.25 20130401 10.875 2 2 First Lien Y
16166351 2.25 20130401 11.375 2 2 First Lien Y
16166352 2.25 20130401 11.375 2 2 First Lien N
16166358 2.25 20130401 11.625 2 2 First Lien Y
16166360 2.25 20130401 10.75 2 2 First Lien Y
16166368 2.25 20130401 11.125 2 2 First Lien Y
16166374 2.25 20130401 11.125 2 2 First Lien N
16166375 2.25 20130401 11.125 2 2 First Lien Y
16166381 2.25 20130401 11.125 2 2 First Lien Y
16166383 2.25 20130401 11.375 2 2 First Lien Y
16166391 2.25 20130401 11.375 2 2 First Lien Y
16166393 2.25 20130401 12 2 2 First Lien Y
16166399 2.25 20130401 11.25 2 2 First Lien Y
16166271 2.25 20130401 11.25 2 2 First Lien Y
16166272 2.25 20130401 11.625 2 2 First Lien Y
16166274 2.25 20130401 10.875 2 2 First Lien Y
16166278 2.25 20130401 11 2 2 First Lien Y
16166281 2.25 20130401 11 2 2 First Lien N
16166288 2.25 20130401 11.375 2 2 First Lien Y
16166304 2.25 20130401 11.25 2 2 First Lien Y
16166305 2.25 20130401 11.25 2 2 First Lien Y
16166306 2.25 20130401 11.25 2 2 First Lien Y
16166308 2.25 20130401 10.375 2 2 First Lien N
16166311 2.25 20130401 10.875 2 2 First Lien Y
16166317 2.25 20130401 10.25 2 2 First Lien Y
16166100 2.25 20130201 11.75 2 2 First Lien Y
16166109 2.25 20130301 11.125 2 2 First Lien Y
16166118 2.25 20130301 11.875 2 2 First Lien Y
16166123 2.25 20130401 11.125 2 2 First Lien Y
16166126 2.25 20130401 11 2 2 First Lien Y
16166129 2.25 20130301 11.75 2 2 First Lien Y
16166137 2.25 20130301 11.625 2 2 First Lien Y
16166141 2.25 20130401 11.25 2 2 First Lien Y
16166157 2.25 20130401 11.125 2 2 First Lien Y
16166166 2.25 20130401 11.125 2 2 First Lien Y
16166177 2.25 20130401 11.875 2 2 First Lien Y
16166180 2.25 20130401 11.75 2 2 First Lien Y
16166182 2.25 20130401 11.5 2 2 First Lien Y
16166185 2.25 20130401 11 2 2 First Lien Y
16166187 2.25 20130401 11.875 2 2 First Lien Y
16166193 2.25 20130401 10.875 2 2 First Lien N
16166198 2.25 20130401 11.75 2 2 First Lien Y
16166199 2.25 20130401 11.5 2 2 First Lien Y
16166221 2.25 20130301 11.625 2 2 First Lien Y
16166224 2.25 20130401 11.5 2 2 First Lien Y
16166227 2.25 20130401 11.375 2 2 First Lien Y
16166233 2.25 20130401 11.25 2 2 First Lien Y
16166236 2.25 20130401 11 2 2 First Lien N
16166251 2.25 20130401 11.625 2 2 First Lien Y
16166254 2.25 20130401 10.875 2 2 First Lien Y
16166263 2.25 20130401 11.125 2 2 First Lien Y
16166266 2.25 20130401 11.25 2 2 First Lien Y
16166078 2.25 20130401 11.25 2 2 First Lien Y
16166082 2.25 20130401 11.375 2 2 First Lien Y
16166089 2.25 20130401 11.25 2 2 First Lien Y
16177241 2.25 20110401 10.875 2 2 First Lien Y
16177242 2.25 20110501 11.25 2 2 First Lien Y
16177243 2.25 20110501 11 2 2 First Lien Y
16177244 2.25 20110501 10.5 2 2 First Lien Y
16177245 2.25 20110501 10.625 2 2 First Lien N
16177220 2.25 20110401 11 2 2 First Lien N
16177221 2.25 20110501 11.125 2 2 First Lien Y
16177222 2.25 20110501 11.125 2 2 First Lien Y
16177223 2.25 20110501 11.5 2 2 First Lien Y
16177224 2.25 20110501 11 2 2 First Lien Y
16177225 2.25 20110401 11.875 2 2 First Lien Y
16177226 2.25 20110401 11.125 2 2 First Lien Y
16177227 2.25 20110401 11.5 2 2 First Lien Y
16177228 2.25 20110501 11 2 2 First Lien Y
16177229 2.25 20110401 11.25 2 2 First Lien Y
16177230 2.25 20110401 11 2 2 First Lien Y
16177231 2.25 20110401 11 2 2 First Lien Y
16177232 2.25 20110401 11.5 2 2 First Lien Y
16177233 2.25 20110401 11.375 2 2 First Lien Y
16177234 2.25 20110401 11.25 2 2 First Lien Y
16177235 2.25 20110401 10.875 2 2 First Lien Y
16177236 2.25 20110501 11.625 2 2 First Lien Y
16177237 2.25 20110501 11.5 2 2 First Lien Y
16177238 2.25 20110501 11.5 2 2 First Lien Y
16177239 2.25 20110501 11.75 2 2 First Lien N
16177240 2.25 20110501 11.5 2 2 First Lien Y
16177210 2.25 20110501 11 2 2 First Lien Y
16177211 2.25 20110401 11.25 2 2 First Lien Y
16177212 2.25 20110401 11.75 2 2 First Lien Y
16177213 2.25 20110401 11.75 2 2 First Lien N
16177214 2.25 20110501 11 2 2 First Lien Y
16177215 2.25 20110401 11.125 2 2 First Lien Y
16177216 2.25 20110401 11.625 2 2 First Lien Y
16177217 2.25 20110401 11 2 2 First Lien N
16177218 2.25 20110501 10.875 2 2 First Lien Y
16177219 2.25 20110401 11 2 2 First Lien Y
16177170 2.25 20110501 10.875 2 2 First Lien Y
16177171 2.25 20110501 11.25 2 2 First Lien Y
16177172 2.25 20110401 10.875 2 2 First Lien Y
16177173 2.25 20110501 11.25 2 2 First Lien Y
16177174 2.25 20110501 11.875 2 2 First Lien Y
16177175 2.25 20110401 11.625 2 2 First Lien N
16177176 2.25 20110401 11.5 2 2 First Lien Y
16177177 2.25 20110401 11.125 2 2 First Lien Y
16177178 2.25 20110301 11.25 2 2 First Lien N
16177179 2.25 20110401 10.75 2 2 First Lien Y
16177180 2.25 20110401 10.875 2 2 First Lien Y
16177181 2.25 20110401 9.875 2 2 First Lien Y
16177182 2.25 20110401 10.875 2 2 First Lien N
16177183 2.25 20110401 10.875 2 2 First Lien Y
16177184 2.25 20110401 11 2 2 First Lien N
16177185 2.25 20110401 11 2 2 First Lien N
16177186 2.25 20110401 11.125 2 2 First Lien Y
16177187 2.25 20110401 11.375 2 2 First Lien Y
16177188 2.25 20110401 10.75 2 2 First Lien Y
16177189 2.875 20110401 11.875 2 2 First Lien Y
16177190 2.25 20110401 11.25 2.135 2 First Lien Y
16177191 2.25 20110401 11.5 2 2 First Lien Y
16177192 2.25 20110401 11.125 2 2 First Lien Y
16177193 2.25 20110401 10.25 2 2 First Lien Y
16177194 2.25 20110401 11.5 2 2 First Lien Y
16177195 2.25 20110401 11.75 2 2 First Lien Y
16177196 2.25 20110401 11.75 2 2 First Lien N
16177197 2.25 20110401 10.75 2 2 First Lien Y
16177198 2.25 20110401 11.375 2 2 First Lien Y
16177199 2.25 20110401 11.25 2 2 First Lien Y
16177165 2.25 20110401 10.875 2 2 First Lien Y
16177166 2.25 20110401 10.625 2 2 First Lien Y
16177167 2.25 20110301 12.25 2 2 First Lien Y
16177168 2.25 20110401 11.125 2 2 First Lien Y
16177169 2.25 20110401 11.5 2 2 First Lien Y
16177113 2.25 20110401 10.875 2 2 First Lien Y
16177114 2.25 20110401 11.5 2 2 First Lien Y
16177115 2.25 20110401 10.875 2 2 First Lien Y
16177116 2.25 20110401 11.25 2 2 First Lien N
16177117 2.25 20110401 11.125 2 2 First Lien Y
16177118 2.25 20110401 10.625 2 2 First Lien Y
16177119 2.25 20110401 11 2 2 First Lien Y
16177120 2.25 20110401 11.125 2 2 First Lien Y
16177121 2.25 20110401 11.25 2 2 First Lien Y
16177122 2.25 20110401 12 2 2 First Lien Y
16177123 2.25 20110401 11.5 2 2 First Lien Y
16177124 2.25 20110401 10.875 2 2 First Lien Y
16177125 2.25 20110401 12.25 2 2 First Lien Y
16177126 2.25 20110401 11.125 2 2 First Lien Y
16177127 2.25 20110401 11.375 2 2 First Lien Y
16177128 2.25 20110401 11.5 2 2 First Lien Y
16177129 2.25 20110401 11.25 2 2 First Lien Y
16177130 2.25 20101201 10.25 2 2 First Lien Y
16177131 2.25 20110301 10.625 2 2 First Lien Y
16177132 2.25 20110301 10.875 2 2 First Lien Y
16177133 2.25 20110401 11.125 2 2 First Lien Y
16177134 2.25 20110401 11 2 2 First Lien N
16177135 2.25 20110401 11.5 2 2 First Lien Y
16177136 2.25 20110401 11.25 2 2 First Lien Y
16177137 2.25 20110401 11.625 2 2 First Lien Y
16177138 2.25 20110401 11.375 2 2 First Lien Y
16177139 2.25 20110401 11.5 2 2 First Lien Y
16177140 2.25 20110401 11.375 2 2 First Lien Y
16177141 2.25 20110401 10.875 2 2 First Lien N
16177142 2.25 20110401 11.375 2 2 First Lien Y
16177143 2.25 20110401 10.375 2 2 First Lien N
16177144 2.25 20110401 10.75 2 2 First Lien Y
16177145 2.25 20110401 11.375 2 2 First Lien Y
16177146 2.25 20110401 10.75 2 2 First Lien Y
16177147 2.25 20110401 11.625 2 2 First Lien Y
16177148 2.25 20110401 11 2 2 First Lien N
16177110 2.25 20110301 11.375 2 2 First Lien Y
16177111 2.25 20110301 11.25 2 2 First Lien Y
16177112 2.25 20110201 10.875 2 2 First Lien Y
16177149 2.25 20101201 10.25 2 2 First Lien Y
16177150 2.25 20110401 11 2 2 First Lien N
16177152 2.25 20110501 11 2 2 First Lien Y
16177153 2.25 20110401 10.875 2 2 First Lien N
16177154 2.25 20110301 11.5 2 2 First Lien Y
16177155 2.25 20110501 11.25 2 2 First Lien N
16177157 2.25 20110401 11.375 2 2 First Lien Y
16177158 2.25 20110201 11.25 2 2 First Lien Y
16177159 2.25 20110401 11 2 2 First Lien Y
16177160 2.25 20110301 10 2 2 First Lien Y
16177161 2.25 20110401 10.875 2 2 First Lien Y
16177162 2.25 20110401 11.125 2 2 First Lien N
16177163 2.25 20110401 10.75 2 2 First Lien Y
16177164 2.25 20110401 11.125 2 2 First Lien Y
16177100 2.25 20110401 12 2 2 First Lien Y
16177101 2.25 20110401 10.875 2 2 First Lien Y
16177102 2.25 20110401 11.375 2 2 First Lien Y
16177103 2.25 20110401 10.125 2 2 First Lien Y
16177104 2.25 20110401 10.875 2 2 First Lien Y
16177105 2.25 20110301 10.875 2 2 First Lien N
16177106 2.25 20110401 11 2 2 First Lien N
16177107 2.25 20110401 11 2 2 First Lien N
16177108 2.25 20101201 11.375 2 2 First Lien Y
16177109 2.25 20110401 11 2 2 First Lien Y
16177200 2.25 20110401 10.75 2 2 First Lien Y
16177201 2.25 20110401 11.75 2 2 First Lien Y
16177202 2.25 20110401 11.75 2 2 First Lien Y
16177203 2.25 20110401 11 2 2 First Lien Y
16177204 2.25 20110401 11 2 2 First Lien Y
16177205 2.25 20110401 11.25 2 2 First Lien Y
16177206 2.25 20110501 11 2 2 First Lien N
16177207 2.25 20110401 11.5 2 2 First Lien Y
16177208 2.25 20110401 10.75 2 2 First Lien Y
16177209 2.25 20110401 10.875 2 2 First Lien Y
16177090 2.25 20101001 10.875 2 2 First Lien Y
16177091 2.25 20110401 10.125 2 2 First Lien Y
16177092 2.25 20110501 10.375 2 2 First Lien Y
16177093 2.25 20110501 10.875 2 2 First Lien Y
16177094 2.25 20110401 10.875 2 2 First Lien Y
16177095 2.25 20110401 10.75 2 2 First Lien Y
16177096 2.25 20110301 11 2 2 First Lien Y
16177097 2.25 20110101 11.5 2 2 First Lien Y
16177098 2.25 20110301 11.25 2 2 First Lien Y
16177099 2.25 20110401 11.25 2 2 First Lien N
16218249 2.25 20110501 12.25 2 2 First Lien N
16218250 2.25 20110501 11.5 2 2 First Lien Y
16218251 2.25 20110401 11.125 2 2 First Lien Y
16218252 2.25 20110501 11.25 2 2 First Lien Y
16218244 2.25 20110501 10 2 2 First Lien Y
16218245 2.25 20110501 10.875 2 2 First Lien Y
16218246 2.25 20110501 10.875 2 2 First Lien Y
16218247 2.25 20110501 11.5 2 2 First Lien Y
16218248 2.25 20110501 11.375 2 2 First Lien N
16218236 2.25 20110501 11.875 2 2 First Lien Y
16218237 2.25 20110501 11.375 2 2 First Lien Y
16218238 2.25 20110501 11.25 2 2 First Lien Y
16218239 2.25 20110501 10.75 2 2 First Lien N
16218240 2.25 20110501 11 2 2 First Lien Y
16218241 2.25 20110501 11.75 2 2 First Lien Y
16218242 2.25 20110501 11.25 2 2 First Lien Y
16218243 2.25 20110501 12 2 2 First Lien Y
16218230 2.25 20110501 11.625 2 2 First Lien Y
16218231 2.25 20110501 10.875 2 2 First Lien Y
16218232 2.25 20110501 10.875 2 2 First Lien Y
16218233 2.25 20110501 10.625 2 2 First Lien N
16218234 2.25 20110501 11.25 2 2 First Lien Y
16218235 2.25 20110501 11.75 2 2 First Lien Y
16218227 2.25 20110501 11.25 2 2 First Lien Y
16218228 2.25 20110501 11.5 2 2 First Lien Y
16218229 2.25 20110501 11.5 2 2 First Lien Y
16218226 2.25 20110501 11.25 2 2 First Lien Y
16218150 2.25 20110501 10.875 2 2 First Lien Y
16218151 2.25 20110501 10.625 2 2 First Lien Y
16218152 2.25 20110501 11.375 2 2 First Lien Y
16218153 2.25 20110501 12 2 2 First Lien Y
16218154 2.25 20110501 11.375 2 2 First Lien Y
16218155 2.25 20110401 11.375 2 2 First Lien Y
16218156 2.25 20110501 11.375 2 2 First Lien Y
16218157 2.25 20110501 10.5 2 2 First Lien Y
16218158 2.25 20110501 11.375 2 2 First Lien Y
16218159 2.25 20110501 11.5 2 2 First Lien Y
16218160 2.25 20110501 10.875 2 2 First Lien Y
16218161 2.25 20110501 11.75 2 2 First Lien Y
16218162 2.25 20110501 11.125 2 2 First Lien Y
16218163 2.25 20110501 11.625 2 2 First Lien Y
16218164 2.25 20110501 11.25 2 2 First Lien Y
16218165 2.25 20110501 11.25 2 2 First Lien Y
16218166 2.25 20110501 11.25 2 2 First Lien Y
16218167 2.25 20110501 10.875 2 2 First Lien Y
16218168 2.25 20110501 12.375 2 2 First Lien Y
16218169 2.25 20110501 11 2 2 First Lien Y
16218126 2.25 20110501 11.25 2 2 First Lien Y
16218170 2.25 20110501 11.375 2 2 First Lien Y
16218171 2.25 20110501 11.75 2 2 First Lien Y
16218172 2.25 20110501 11 2 2 First Lien Y
16218173 2.25 20110501 11.125 2 2 First Lien Y
16218174 2.25 20110501 11 2 2 First Lien Y
16218175 2.25 20110501 10.875 2 2 First Lien Y
16218176 2.25 20110501 11.25 2 2 First Lien N
16218177 2.25 20110501 11.375 2 2 First Lien Y
16218178 2.25 20110501 11.5 2 2 First Lien Y
16218179 2.25 20110501 11 2 2 First Lien Y
16218180 2.25 20110501 10.625 2 2 First Lien Y
16218127 2.25 20110401 11.5 2 2 First Lien Y
16218128 2.25 20110501 11.75 2 2 First Lien Y
16218129 2.25 20110501 12 2 2 First Lien Y
16218181 2.25 20110501 11 2 2 First Lien N
16218182 2.25 20110501 10.875 2 2 First Lien Y
16218183 2.25 20110501 11.375 2 2 First Lien Y
16218184 2.25 20110501 11 2 2 First Lien Y
16218185 2.25 20110501 11.25 2 2 First Lien N
16218130 2.875 20110501 12 2 2 First Lien Y
16218131 2.25 20110401 11.25 2.095 2 First Lien Y
16218132 2.25 20110401 10.875 2 2 First Lien Y
16218186 2.25 20110501 11.125 2 2 First Lien N
16218187 2.25 20110501 11.125 2 2 First Lien Y
16218188 2.25 20110501 11.25 2 2 First Lien Y
16218189 2.25 20110501 11.25 2 2 First Lien Y
16218190 2.25 20110401 11.125 2 2 First Lien Y
16218191 2.25 20110501 10.375 2 2 First Lien Y
16218192 2.25 20110501 11.125 2 2 First Lien Y
16218193 2.25 20110501 10.875 2 2 First Lien Y
16218194 2.25 20110501 11.25 2 2 First Lien Y
16218195 2.25 20110501 11.5 2 2 First Lien Y
16218196 2.25 20110501 11 2 2 First Lien N
16218197 2.25 20110501 11.75 2 2 First Lien Y
16218198 2.25 20110501 11.875 2 2 First Lien Y
16218199 2.875 20110501 10.25 2 2 First Lien Y
16218133 2.25 20110501 11 2.135 2 First Lien Y
16218134 2.25 20110501 11.375 2 2 First Lien Y
16218135 2.25 20110401 11.375 2 2 First Lien N
16218136 2.25 20110501 11.375 2 2 First Lien Y
16218137 2.25 20110501 11.375 2 2 First Lien Y
16218138 2.25 20110401 10.875 2 2 First Lien Y
16218139 2.25 20110401 11.25 2 2 First Lien Y
16218140 2.25 20110501 10.75 2 2 First Lien Y
16218141 2.25 20110501 10.625 2 2 First Lien N
16218142 2.25 20110401 11.625 2 2 First Lien Y
16218143 2.25 20110501 11.125 2 2 First Lien Y
16218144 2.25 20110501 12.375 2 2 First Lien Y
16218145 2.25 20110501 10.875 2 2 First Lien Y
16218146 2.25 20110501 10.75 2 2 First Lien N
16218147 2.25 20110501 11.25 2 2 First Lien N
16218148 2.25 20110301 11.375 2 2 First Lien N
16218149 2.25 20110501 11.75 2 2 First Lien Y
16218100 2.25 20110401 11.125 2 2 First Lien Y
16218101 2.25 20110401 10.5 2 2 First Lien Y
16218102 2.25 20110401 11.25 2 2 First Lien Y
16218103 2.25 20110401 11.375 2 2 First Lien Y
16218104 2.25 20110501 11.75 2 2 First Lien Y
16218105 2.25 20110401 11.5 2 2 First Lien Y
16218106 2.25 20110301 11.375 2 2 First Lien Y
16218113 2.25 20110501 11 2 2 First Lien N
16218114 2.25 20110501 11.625 2 2 First Lien Y
16218115 2.25 20110501 11.5 2 2 First Lien Y
16218116 2.25 20110401 11 2 2 First Lien Y
16218117 2.25 20110501 11.5 2 2 First Lien Y
16218118 2.25 20110501 11.125 2 2 First Lien Y
16218119 2.25 20110501 10.875 2 2 First Lien Y
16218107 2.25 20110401 12.125 2 2 First Lien N
16218108 2.25 20110401 11.25 2 2 First Lien Y
16218109 2.25 20110401 11 2 2 First Lien Y
16218120 2.25 20110401 11.875 2 2 First Lien N
16218121 2.25 20110401 11.875 2 2 First Lien Y
16218122 2.25 20110501 12.625 2 2 First Lien N
16218123 2.25 20110501 11.375 2 2 First Lien Y
16218124 2.25 20110501 10.75 2 2 First Lien Y
16218125 2.25 20110501 11.75 2 2 First Lien Y
16218110 2.25 20110501 12.75 2 2 First Lien Y
16218111 2.25 20110501 11 2 2 First Lien Y
16218112 2.25 20110401 11.375 2 2 First Lien Y
16218083 2.25 20110501 11.375 2 2 First Lien Y
16218084 2.25 20110401 10.75 2 2 First Lien Y
16218085 2.25 20110501 10.75 2 2 First Lien Y
16218086 2.25 20110501 11.5 2 2 First Lien Y
16218087 2.25 20110501 11.25 2 2 First Lien Y
16218088 2.25 20110501 11 2 2 First Lien Y
16218089 2.25 20110401 11.25 2 2 First Lien Y
16218090 2.25 20110401 10.875 2 2 First Lien N
16218091 2.25 20110401 10.875 2 2 First Lien N
16218092 2.25 20110401 11.875 2 2 First Lien Y
16218093 2.25 20110501 11.125 2 2 First Lien N
16218094 2.25 20110401 10.625 2 2 First Lien Y
16218095 2.25 20110401 11.125 2 2 First Lien Y
16218096 2.25 20110401 11.125 2 2 First Lien Y
16218097 2.25 20110401 11.125 2 2 First Lien Y
16218098 2.25 20110401 11.25 2 2 First Lien Y
16218099 2.25 20110501 12.75 2 2 First Lien Y
16218300 2.25 20110501 11 2 2 First Lien Y
16218301 2.25 20110501 10.875 2 2 First Lien Y
16218302 2.25 20110501 10.625 2 2 First Lien Y
16218303 2.25 20110501 11.25 2 2 First Lien Y
16218304 2.25 20110501 11.25 2 2 First Lien Y
16218305 2.25 20110501 11.25 2 2 First Lien Y
16218306 2.25 20110501 12.125 2 2 First Lien Y
16218307 2.25 20110501 11.375 2 2 First Lien N
16218308 2.25 20110501 11.375 2 2 First Lien Y
16218309 2.25 20110501 11.375 2 2 First Lien Y
16218310 2.25 20110501 11.5 2 2 First Lien Y
16218311 2.25 20110501 11.875 2 2 First Lien Y
16218312 2.25 20110501 11.5 2 2 First Lien Y
16218313 2.25 20110501 12.125 2 2 First Lien Y
16218314 2.25 20110501 11 2 2 First Lien Y
16218315 2.25 20110501 11 2 2 First Lien N
16218316 2.25 20110501 11.875 2 2 First Lien Y
16218317 2.25 20110501 11.375 2 2 First Lien Y
16218318 2.25 20110501 11.75 2 2 First Lien Y
16218319 2.25 20110501 11.25 2 2 First Lien Y
16218320 2.25 20110501 11.5 2 2 First Lien Y
16218321 2.25 20110501 10.875 2 2 First Lien Y
16218322 2.25 20110501 11.625 2 2 First Lien Y
16218323 2.25 20110501 10.625 2 2 First Lien Y
16218324 2.25 20110601 11.125 2 2 First Lien Y
16218325 2.25 20110501 11.5 2 2 First Lien Y
16218326 2.25 20110501 10.75 2 2 First Lien Y
16218327 2.25 20110501 11.5 2 2 First Lien Y
16218328 2.25 20110601 11.875 2 2 First Lien Y
16218329 2.25 20110501 11.375 2 2 First Lien Y
16218330 2.25 20110501 11.5 2 2 First Lien Y
16218331 2.25 20110501 11.375 2 2 First Lien Y
16218332 2.25 20110501 11.125 2 2 First Lien Y
16218220 2.25 20110501 11.625 2 2 First Lien N
16218221 2.25 20110501 11.5 2 2 First Lien Y
16218222 2.25 20110501 11.25 2 2 First Lien Y
16218223 2.25 20110501 11.25 2 2 First Lien N
16218224 2.25 20110501 11 2 2 First Lien Y
16218225 2.25 20110501 10.875 2 2 First Lien Y
16218200 2.25 20110501 11 2 2 First Lien Y
16218201 2.25 20110501 10.875 2 2 First Lien N
16218202 2.25 20110501 11.25 2 2 First Lien Y
16218203 2.25 20110501 11.375 2 2 First Lien Y
16218204 2.25 20110501 11.25 2 2 First Lien Y
16218205 2.25 20110501 11.25 2 2 First Lien Y
16218206 2.25 20110501 10.875 2 2 First Lien N
16218207 2.25 20110501 11.25 2 2 First Lien Y
16218208 2.25 20110501 10.875 2 2 First Lien Y
16218209 2.25 20110501 11.25 2 2 First Lien Y
16218210 2.25 20110501 11.25 2 2 First Lien Y
16218211 2.25 20110501 11.25 2 2 First Lien Y
16218212 2.25 20110501 11.25 2 2 First Lien Y
16218213 2.25 20110501 11.375 2 2 First Lien Y
16218214 2.25 20110501 11.25 2 2 First Lien Y
16218215 2.25 20110501 11.25 2 2 First Lien Y
16218216 2.25 20110501 11 2 2 First Lien Y
16218217 2.25 20110501 11.875 2 2 First Lien Y
16218218 2.25 20110501 10.875 2 2 First Lien Y
16218256 2.25 20110501 11.5 2 2 First Lien Y
16218257 2.25 20110501 11.5 2 2 First Lien Y
16218258 2.25 20110501 10.625 2 2 First Lien Y
16218259 2.25 20110501 10.125 2 2 First Lien Y
16218260 2.25 20110501 10.875 2 2 First Lien N
16218261 2.25 20110501 11.375 2 2 First Lien Y
16218262 2.25 20110501 10.875 2 2 First Lien Y
16218263 3.125 20110501 11.75 2 2 First Lien Y
16218264 2.25 20110501 10.75 2.295 2 First Lien Y
16218265 2.25 20110501 11.375 2 2 First Lien Y
16218266 2.25 20110501 11.5 2 2 First Lien Y
16218267 2.25 20110501 10.875 2 2 First Lien Y
16218268 2.25 20110501 10.625 2 2 First Lien N
16218269 2.25 20110501 10.5 2 2 First Lien Y
16218253 2.25 20110501 11.5 2 2 First Lien Y
16218270 2.25 20110501 11.25 2 2 First Lien Y
16218271 2.25 20110501 11.75 2 2 First Lien Y
16218272 2.25 20110501 11 2 2 First Lien Y
16218273 2.25 20110501 11.125 2 2 First Lien N
16218274 2.25 20110501 11.125 2 2 First Lien Y
16218275 2.25 20110501 10.875 2 2 First Lien Y
16218276 2.25 20110501 12.375 2 2 First Lien Y
16218277 2.25 20110501 11.875 2 2 First Lien Y
16218278 2.25 20110501 11.375 2 2 First Lien Y
16218279 2.25 20110501 10.875 2 2 First Lien Y
16218280 2.25 20110501 11.25 2 2 First Lien N
16218281 2.25 20110501 11 2 2 First Lien Y
16218282 2.25 20110501 10.875 2 2 First Lien Y
16218283 2.25 20110501 11.125 2 2 First Lien N
16218284 2.25 20110501 11.625 2 2 First Lien Y
16218285 2.25 20110501 10.625 2 2 First Lien Y
16218286 2.25 20110501 11.375 2 2 First Lien Y
16218287 2.25 20110501 11.25 2 2 First Lien Y
16218288 2.25 20110501 11.25 2 2 First Lien Y
16218289 2.25 20110501 10.875 2 2 First Lien N
16218290 2.25 20110501 11.5 2 2 First Lien Y
16218291 2.25 20110501 11.625 2 2 First Lien Y
16218292 2.25 20110501 11 2 2 First Lien Y
16218293 2.75 20110501 11.75 2 2 First Lien Y
16218294 2.25 20110501 11.875 2.11 2 First Lien Y
16218295 2.25 20110501 11.125 2 2 First Lien Y
16218296 2.25 20110501 11.25 2 2 First Lien Y
16218297 2.25 20110501 11.25 2 2 First Lien Y
16218298 2.25 20110501 11.75 2 2 First Lien Y
16218299 2.25 20110501 11.25 2 2 First Lien Y
16218254 2.25 20110501 11 2 2 First Lien Y
16218255 2.25 20110501 10.875 2 2 First Lien N
16199805 2.25 20160401 10.5 2 2 First Lien N
16199806 2.25 20160401 11.375 2 2 First Lien N
16199807 2.25 20160501 11.125 2 2 First Lien Y
16199808 2.25 20160501 12 2 2 First Lien N
16199809 2.25 20160401 11.5 2 2 First Lien Y
16199810 2.25 20160501 11.5 2 2 First Lien Y
16199811 2.25 20160501 11.375 2 2 First Lien Y
16199812 2.25 20160501 11.375 2 2 First Lien Y
16199813 2.25 20160501 10.875 2 2 First Lien Y
16199814 2.25 20160501 11.25 2 2 First Lien Y
16199815 2.25 20160501 11.5 2 2 First Lien Y
16199816 2.25 20160501 11.25 2 2 First Lien Y
16199817 2.25 20160501 11.5 2 2 First Lien Y
16199818 2.25 20160401 11.5 2 2 First Lien N
16199819 2.25 20160401 11.375 2 2 First Lien Y
16199820 2.25 20160501 11.625 2 2 First Lien Y
16199821 2.25 20160501 11.375 2 2 First Lien Y
16199822 2.25 20160501 10.875 2 2 First Lien Y
16199823 2.25 20160401 11.5 2 2 First Lien Y
16199824 2.25 20160401 11.5 2 2 First Lien Y
16199825 2.25 20160501 11.25 2 2 First Lien Y
16199826 2.25 20160401 11.375 2 2 First Lien Y
16199827 2.25 20160501 11.25 2 2 First Lien N
16199829 2.25 20160501 11.125 2 2 First Lien N
16199830 2.25 20160501 11.625 2 2 First Lien N
16199831 2.25 20160501 10.875 2 2 First Lien Y
16199832 2.25 20160501 11.125 2 2 First Lien Y
16199833 2.25 20160501 11.375 2 2 First Lien Y
16199834 2.25 20160401 11.375 2 2 First Lien Y
16199835 2.25 20160501 10.875 2 2 First Lien Y
16199836 2.25 20160501 11.25 2 2 First Lien Y
16199837 2.25 20160401 11.375 2 2 First Lien Y
16199838 2.25 20160501 11 2 2 First Lien Y
16199839 2.25 20160501 11.875 2 2 First Lien Y
16199840 2.25 20160501 11.25 2 2 First Lien N
16199841 2.25 20160501 11.25 2 2 First Lien Y
16199842 2.25 20160501 11.375 2 2 First Lien Y
16199843 2.25 20160501 11.625 2 2 First Lien Y
16199844 2.25 20160501 11.25 2 2 First Lien Y
16199845 2.25 20160501 11.5 2 2 First Lien Y
16199846 2.25 20160501 11.25 2 2 First Lien N
16199847 2.25 20160501 11.375 2 2 First Lien Y
16199848 2.25 20160501 11.375 2 2 First Lien N
16199849 2.25 20160501 11.5 2 2 First Lien Y
16199850 2.25 20160501 11.5 2 2 First Lien Y
16199851 2.25 20160501 11.375 2 2 First Lien Y
16199852 2.25 20160401 11.125 2 2 First Lien Y
16199853 2.25 20160201 11.125 2 2 First Lien Y
16199854 2.25 20160101 10.875 2 2 First Lien N
16199855 2.25 20160501 11 2 2 First Lien N
16199795 2.25 20160501 11.375 2 2 First Lien Y
16199796 2.25 20160501 11.125 2 2 First Lien Y
16199797 2.25 20160501 11.25 2 2 First Lien Y
16199798 2.25 20160501 11.375 2 2 First Lien Y
16199799 2.25 20160501 11.25 2 2 First Lien Y
16199705 2.25 20160501 11.375 2 2 First Lien Y
16199706 2.25 20160401 10.875 2 2 First Lien Y
16199707 2.25 20160401 11.625 2 2 First Lien Y
16199708 2.25 20160501 11.625 2 2 First Lien Y
16199709 2.25 20160501 11.25 2 2 First Lien Y
16199710 2.25 20160401 11.375 2 2 First Lien Y
16199711 2.25 20160501 11.125 2 2 First Lien Y
16199712 2.25 20160501 11.375 2 2 First Lien N
16199713 2.25 20160501 11.375 2 2 First Lien Y
16199714 2.25 20160401 11 2 2 First Lien Y
16199715 2.25 20160101 11.5 2 2 First Lien Y
16199716 2.25 20160301 11.5 2 2 First Lien Y
16199717 2.25 20160401 11.125 2 2 First Lien N
16199718 2.25 20160201 11.625 2 2 First Lien Y
16199719 2.25 20160401 11.625 2 2 First Lien Y
16199700 2.25 20160401 11.5 2 2 First Lien Y
16199701 2.25 20160401 11.625 2 2 First Lien Y
16199702 2.25 20160501 11.25 2 2 First Lien Y
16199703 2.25 20160401 11.375 2 2 First Lien Y
16199704 2.25 20160401 11.375 2 2 First Lien Y
16199787 2.25 20160401 10.875 2 2 First Lien Y
16199788 2.25 20160501 11.375 2 2 First Lien Y
16199789 2.25 20160401 11.625 2 2 First Lien Y
16199790 2.25 20160501 11.25 2 2 First Lien Y
16199791 2.25 20160501 11.5 2 2 First Lien Y
16199792 2.25 20160401 11.125 2 2 First Lien Y
16199793 2.25 20160501 11.375 2 2 First Lien Y
16199794 2.25 20160401 11.25 2 2 First Lien Y
16199690 2.25 20160501 11.625 2 2 First Lien Y
16199691 2.25 20160401 11.25 2 2 First Lien Y
16199692 2.25 20160401 11.375 2 2 First Lien Y
16199693 2.25 20160401 11.75 2 2 First Lien Y
16199694 2.25 20160401 11.375 2 2 First Lien Y
16199695 2.25 20160501 11.25 2 2 First Lien Y
16199696 2.25 20160301 10.5 2 2 First Lien N
16199697 2.25 20160501 11.5 2 2 First Lien Y
16199698 2.25 20160401 11.75 2 2 First Lien Y
16199699 2.25 20160401 11.375 2 2 First Lien Y
16199680 2.25 20160401 11.125 2 2 First Lien Y
16199681 2.25 20160401 11.5 2 2 First Lien Y
16199682 2.25 20160401 11.625 2 2 First Lien Y
16199683 2.25 20160401 11.625 2 2 First Lien Y
16199684 2.25 20160401 11.75 2 2 First Lien N
16199685 2.25 20160501 11.375 2 2 First Lien Y
16199686 2.25 20160401 11.75 2 2 First Lien Y
16199687 2.25 20160401 11.5 2 2 First Lien Y
16199688 2.25 20160401 11.125 2 2 First Lien Y
16199689 2.25 20160401 11.375 2 2 First Lien Y
16199663 2.25 20160401 11.375 2 2 First Lien Y
16199664 2.25 20160401 12.375 2 2 First Lien Y
16199665 2.25 20160401 11.25 2 2 First Lien Y
16199666 2.25 20160401 10.75 2 2 First Lien Y
16199667 2.25 20160401 11.5 2 2 First Lien Y
16199668 2.25 20160501 11.375 2 2 First Lien Y
16199669 2.25 20160401 11.375 2 2 First Lien Y
16199670 2.25 20160401 11.5 2 2 First Lien Y
16199671 2.25 20160401 10.875 2 2 First Lien N
16199672 2.25 20160401 11.125 2 2 First Lien Y
16199673 2.25 20160401 11.5 2 2 First Lien N
16199674 2.25 20160401 11.5 2 2 First Lien Y
16199675 2.25 20160401 11.25 2 2 First Lien Y
16199676 2.25 20160501 11.375 2 2 First Lien Y
16199677 2.25 20160401 11.375 2 2 First Lien Y
16199678 2.25 20160501 11.5 2 2 First Lien Y
16199679 2.25 20160401 11.375 2 2 First Lien Y
16199753 2.25 20160401 10.75 2 2 First Lien N
16199754 2.25 20160501 11 2 2 First Lien N
16199760 2.25 20160401 11.125 2 2 First Lien Y
16199762 2.25 20160501 11.5 2 2 First Lien Y
16199763 2.25 20160401 11.375 2 2 First Lien Y
16199764 2.25 20160401 10.75 2 2 First Lien N
16199765 2.25 20160501 11.5 2 2 First Lien Y
16199766 2.25 20160401 11.625 2 2 First Lien Y
16199767 2.25 20160501 11.25 2 2 First Lien Y
16199768 2.25 20160501 11.25 2 2 First Lien Y
16199769 2.25 20160501 11.25 2 2 First Lien Y
16199770 2.25 20160401 11.375 2 2 First Lien Y
16199771 2.75 20160501 11.375 2 2 First Lien N
16199772 2.25 20160501 11 2.5 2 First Lien Y
16199773 2.25 20160501 11.125 2 2 First Lien Y
16199774 2.25 20160501 11.25 2 2 First Lien Y
16199775 2.25 20160501 11 2 2 First Lien N
16199776 2.25 20160501 11.5 2 2 First Lien Y
16199777 2.25 20160401 11.5 2 2 First Lien Y
16199778 2.25 20160401 11.375 2 2 First Lien Y
16199779 2.25 20160401 11.375 2 2 First Lien Y
16199780 2.25 20160501 11.375 2 2 First Lien Y
16199781 2.25 20160501 11.375 2 2 First Lien Y
16199782 2.25 20160501 11.25 2 2 First Lien Y
16199783 2.25 20160401 11.375 2 2 First Lien Y
16199784 2.25 20160501 11.125 2 2 First Lien N
16199785 2.25 20160501 11.375 2 2 First Lien N
16199786 2.25 20160501 11.375 2 2 First Lien Y
16199755 2.25 20160401 11.375 2 2 First Lien Y
16199756 2.25 20160501 11.25 2 2 First Lien Y
16199757 2.25 20160401 11.625 2 2 First Lien Y
16199758 2.25 20160401 11.25 2 2 First Lien Y
16199759 2.25 20160501 11.5 2 2 First Lien Y
16199632 2.25 20160401 11.25 2 2 First Lien Y
16199633 2.25 20160101 10.75 2 2 First Lien N
16199634 2.25 20160101 10.75 2 2 First Lien Y
16199635 2.25 20160501 10.875 2 2 First Lien Y
16199636 2.25 20160501 11.125 2 2 First Lien Y
16199637 2.25 20160501 11.5 2 2 First Lien Y
16199638 2.25 20160401 11.5 2 2 First Lien Y
16199639 2.25 20160501 11 2 2 First Lien Y
16199640 2.25 20160501 11 2 2 First Lien Y
16199641 2.25 20160401 10.875 2 2 First Lien N
16199642 2.25 20160501 11.125 2 2 First Lien Y
16199643 2.25 20160501 11 2 2 First Lien Y
16199644 2.25 20160401 11 2 2 First Lien Y
16199645 2.25 20160501 11 2 2 First Lien Y
16199646 2.25 20160401 11 2 2 First Lien Y
16199647 2.25 20160101 11.75 2 2 First Lien Y
16199648 2.25 20160401 11.125 2 2 First Lien Y
16199649 2.25 20160401 11.5 2 2 First Lien Y
16199650 2.25 20160401 11.625 2 2 First Lien Y
16199651 2.25 20160301 11.5 2 2 First Lien Y
16199652 2.25 20160301 11.375 2 2 First Lien Y
16199653 2.25 20160301 11.25 2 2 First Lien Y
16199654 2.25 20160401 11.375 2 2 First Lien Y
16199655 2.25 20160401 11.125 2 2 First Lien Y
16199656 2.25 20160401 11.25 2 2 First Lien Y
16199657 2.25 20160401 11.5 2 2 First Lien Y
16199658 2.25 20160401 11.125 2 2 First Lien Y
16199659 2.25 20160401 11.625 2 2 First Lien N
16199660 2.25 20160401 11.25 2 2 First Lien Y
16199661 2.25 20160401 11.25 2 2 First Lien Y
16199662 2.25 20160401 11 2 2 First Lien N
16199723 2.25 20160401 11.5 2 2 First Lien N
16199724 2.25 20160501 11.125 2 2 First Lien Y
16199725 2.25 20160301 11.25 2 2 First Lien Y
16199726 2.25 20160501 10.875 2 2 First Lien Y
16199727 2.25 20160501 11 2 2 First Lien Y
16199728 2.25 20160501 11.125 2 2 First Lien Y
16199729 2.25 20160401 11.125 2 2 First Lien Y
16199730 2.25 20160501 11.375 2 2 First Lien N
16199731 2.25 20160501 10.75 2 2 First Lien Y
16199732 2.25 20160401 11.125 2 2 First Lien Y
16199733 2.25 20160301 11.375 2 2 First Lien Y
16199734 2.25 20160501 11.5 2 2 First Lien Y
16199735 2.25 20160501 11.5 2 2 First Lien Y
16199736 2.25 20160401 11.375 2 2 First Lien Y
16199737 2.25 20160501 10.875 2 2 First Lien Y
16199738 2.25 20160501 10.25 2 2 First Lien Y
16199739 2.25 20160401 11.25 2 2 First Lien Y
16199740 2.25 20160501 11.375 2 2 First Lien Y
16199741 2.25 20160401 11.375 2 2 First Lien Y
16199742 2.25 20160501 11.5 2 2 First Lien Y
16199743 2.25 20160401 11 2 2 First Lien Y
16199744 2.25 20160501 10.875 2 2 First Lien Y
16199745 2.25 20160501 11.375 2 2 First Lien Y
16199746 2.25 20160401 11 2 2 First Lien Y
16199747 2.25 20160401 11.625 2 2 First Lien Y
16199748 2.25 20160501 11.25 2 2 First Lien Y
16199749 2.25 20160501 11.25 2 2 First Lien Y
16199750 2.25 20160401 11.25 2 2 First Lien Y
16199751 2.25 20160401 11.375 2 2 First Lien Y
16199752 2.25 20160501 11.25 2 2 First Lien Y
16199720 2.25 20160301 11 2 2 First Lien Y
16199721 2.25 20160501 11.375 2 2 First Lien Y
16199722 2.25 20160401 11.25 2 2 First Lien Y
16232382 2.25 20150901 10.75 2 2 First Lien Y
16199856 2.25 20160401 11.375 2 2 First Lien Y
16199857 2.25 20160501 12 2 2 First Lien Y
16199800 2.25 20160501 11.25 2 2 First Lien N
16199801 2.25 20160501 11.25 2 2 First Lien Y
16199802 2.25 20160501 10.875 2 2 First Lien Y
16199803 2.25 20160501 11.125 2 2 First Lien Y
16199804 2.25 20160501 11.5 2 2 First Lien Y
16218700 2.25 20130501 11.625 2 2 First Lien Y
16218701 2.25 20130501 11.25 2 2 First Lien Y
16218702 2.25 20130501 11.625 2 2 First Lien Y
16218703 2.25 20130501 11.25 2 2 First Lien Y
16218704 2.25 20130501 12 2 2 First Lien Y
16218705 2.25 20130501 11.875 2 2 First Lien Y
16218706 2.25 20130501 12 2 2 First Lien Y
16218707 2.25 20130501 11.5 2 2 First Lien Y
16218708 2.25 20130501 10.875 2 2 First Lien N
16218709 2.25 20130501 11.375 2 2 First Lien Y
16218710 2.25 20130501 11.5 2 2 First Lien Y
16218711 2.25 20130501 11.25 2 2 First Lien Y
16218712 2.25 20130501 10.625 2 2 First Lien Y
16218713 2.25 20130501 11.25 2 2 First Lien Y
16218714 2.25 20130501 10.875 2 2 First Lien Y
16218715 2.25 20130501 11.25 2 2 First Lien Y
16218716 2.25 20130501 11.75 2 2 First Lien Y
16218717 2.25 20130501 11.125 2 2 First Lien Y
16218718 2.25 20130501 11.375 2 2 First Lien Y
16218719 2.25 20130501 11.5 2 2 First Lien Y
16218720 2.25 20130501 11.625 2 2 First Lien Y
16218721 2.25 20130501 11.5 2 2 First Lien Y
16218722 2.25 20130501 11.375 2 2 First Lien Y
16218723 2.25 20130501 12 2 2 First Lien Y
16218724 2.25 20130501 11.625 2 2 First Lien Y
16218725 2.25 20130501 11.875 2 2 First Lien Y
16218624 2.25 20130501 11.5 2 2 First Lien Y
16218625 2.25 20130501 11 2 2 First Lien Y
16218626 2.25 20130501 11.25 2 2 First Lien Y
16218627 2.25 20130501 11.125 2 2 First Lien Y
16218628 2.25 20130501 11.125 2 2 First Lien Y
16218629 2.25 20130401 11.625 2 2 First Lien Y
16218630 2.25 20130501 11.375 2 2 First Lien Y
16218631 2.25 20130501 12.5 2 2 First Lien Y
16218632 2.25 20130501 11 2 2 First Lien Y
16218633 2.25 20130501 11.125 2 2 First Lien Y
16218634 2.25 20130501 11.25 2 2 First Lien Y
16218635 2.25 20130501 11.125 2 2 First Lien Y
16218636 2.25 20130501 11.375 2 2 First Lien Y
16218637 2.25 20130501 11.375 2 2 First Lien Y
16218638 2.25 20130501 11 2 2 First Lien Y
16218639 2.25 20130501 11.25 2 2 First Lien Y
16218640 2.25 20130501 11.25 2 2 First Lien Y
16218641 2.25 20130501 11.375 2 2 First Lien Y
16218642 2.25 20130501 10.75 2 2 First Lien N
16218643 2.25 20130501 11.75 2 2 First Lien Y
16218644 2.25 20130501 11.5 2 2 First Lien Y
16218645 2.25 20130501 11.125 2 2 First Lien Y
16218646 2.25 20130501 10.875 2 2 First Lien Y
16218647 2.25 20130501 11.25 2 2 First Lien Y
16218648 2.25 20130501 10.875 2 2 First Lien Y
16218649 2.25 20130501 11.25 2 2 First Lien Y
16218650 2.25 20130401 10.75 2 2 First Lien N
16218651 2.25 20130401 10.875 2 2 First Lien N
16218652 2.25 20130501 11.5 2 2 First Lien Y
16218653 2.25 20130501 11.125 2 2 First Lien N
16218654 2.25 20130501 10.75 2 2 First Lien Y
16218655 2.25 20130501 11.375 2 2 First Lien Y
16218656 2.25 20130501 11.75 2 2 First Lien Y
16218657 2.25 20130501 11.625 2 2 First Lien Y
16218658 2.25 20130501 10.875 2 2 First Lien Y
16218659 2.25 20130501 11.875 2 2 First Lien Y
16218660 2.25 20130501 11.375 2 2 First Lien Y
16218661 2.25 20130501 11 2 2 First Lien Y
16218662 2.25 20130501 11.125 2 2 First Lien N
16218663 2.25 20130501 11.75 2 2 First Lien Y
16218664 2.25 20130501 11.375 2 2 First Lien Y
16218665 2.25 20130501 11.125 2 2 First Lien Y
16218666 2.25 20130501 12.125 2 2 First Lien N
16218667 2.25 20130501 11.25 2 2 First Lien N
16218668 2.25 20130501 11.375 2 2 First Lien Y
16218669 2.25 20130501 10.25 2 2 First Lien Y
16218670 2.25 20130501 11 2 2 First Lien Y
16218671 2.25 20130501 11.25 2 2 First Lien N
16218672 2.25 20130501 11.375 2 2 First Lien Y
16218673 2.25 20130401 11.375 2 2 First Lien Y
16218674 2.25 20130501 10.875 2 2 First Lien N
16218675 2.25 20130501 11.375 2 2 First Lien Y
16218676 2.25 20130501 11.5 2 2 First Lien Y
16218677 2.25 20130501 11.25 2 2 First Lien Y
16218678 2.25 20130501 11.125 2 2 First Lien Y
16218679 2.25 20130501 12.25 2 2 First Lien Y
16218680 2.25 20130501 11.25 2 2 First Lien N
16218681 2.25 20130501 10.875 2 2 First Lien Y
16218682 2.25 20130501 11.125 2 2 First Lien Y
16218683 2.25 20130501 11.875 2 2 First Lien Y
16218684 2.25 20130501 11.125 2 2 First Lien N
16218685 2.25 20130501 11.625 2 2 First Lien Y
16218686 2.25 20130501 11.25 2 2 First Lien N
16218687 2.25 20130501 11.625 2 2 First Lien Y
16218688 2.25 20130501 12 2 2 First Lien Y
16218689 2.25 20130501 11.25 2 2 First Lien Y
16218690 2.25 20130501 11.5 2 2 First Lien Y
16218691 2.25 20130501 11.5 2 2 First Lien Y
16218692 2.25 20130501 12.125 2 2 First Lien Y
16218693 2.25 20130501 11.25 2 2 First Lien N
16218694 2.25 20130501 11.25 2 2 First Lien Y
16218695 2.25 20130501 11.25 2 2 First Lien Y
16218696 2.25 20130501 11.5 2 2 First Lien Y
16218697 2.25 20130501 11.75 2 2 First Lien Y
16218608 2.25 20130401 10 2 2 First Lien Y
16218609 2.25 20130501 11.5 2 2 First Lien Y
16218698 2.25 20130501 11.25 2 2 First Lien Y
16218699 2.25 20130501 11.375 2 2 First Lien Y
16223053 2.25 20130501 11.875 2 2 First Lien Y
16223054 2.25 20130501 11.25 2 2 First Lien Y
16223055 2.25 20130501 11.375 2 2 First Lien Y
16223056 2.25 20130501 11.125 2 2 First Lien Y
16223057 2.25 20130501 11.125 2 2 First Lien Y
16223058 2.25 20130601 11.375 2 2 First Lien Y
16223059 2.25 20130601 11.5 2 2 First Lien Y
16218610 2.25 20130401 11.625 2 2 First Lien Y
16218611 2.25 20130501 11.75 2 2 First Lien Y
16218612 2.25 20130501 11.375 2 2 First Lien Y
16218613 2.25 20130501 11.5 2 2 First Lien Y
16218614 2.25 20130501 11.375 2 2 First Lien N
16218615 2.25 20130501 11.25 2 2 First Lien Y
16218616 2.25 20130501 11.375 2 2 First Lien Y
16218617 2.25 20130501 11.25 2 2 First Lien Y
16218618 2.25 20130401 11.375 2 2 First Lien Y
16218619 2.25 20130401 11.375 2 2 First Lien Y
16218620 2.25 20130501 11.375 2 2 First Lien Y
16218621 2.25 20130401 11.5 2 2 First Lien Y
16218622 2.25 20130501 11 2 2 First Lien Y
16218623 2.25 20130401 11 2 2 First Lien N
16218600 2.25 20130401 11.375 2 2 First Lien Y
16218601 2.25 20130501 11.375 2 2 First Lien Y
16218602 2.25 20130501 11.125 2 2 First Lien Y
16218603 2.25 20130501 11.5 2 2 First Lien Y
16218604 2.25 20130401 11.875 2 2 First Lien Y
16218605 2.25 20130501 11.875 2 2 First Lien Y
16218606 2.25 20130501 11.375 2 2 First Lien N
16218607 2.25 20130401 11.375 2 2 First Lien Y
16218597 2.25 20130501 11.5 2 2 First Lien Y
16218598 2.25 20130401 11.375 2 2 First Lien N
16218599 2.25 20130501 11.75 2 2 First Lien Y
16218570 2.25 20130501 11.5 2 2 First Lien Y
16218571 2.25 20130501 11.5 2 2 First Lien N
16218572 2.25 20130501 11.625 2 2 First Lien Y
16218573 2.25 20130501 11 2 2 First Lien Y
16218574 2.25 20130501 11.375 2 2 First Lien Y
16218575 2.25 20130501 12.375 2 2 First Lien Y
16218576 2.25 20130401 11.75 2 2 First Lien N
16218577 2.75 20130401 11.375 2 2 First Lien N
16218578 2.25 20130401 11 2.5 2 First Lien Y
16218579 2.25 20130401 11.25 2 2 First Lien N
16218580 2.25 20130501 11.125 2 2 First Lien Y
16218581 2.25 20130401 11.75 2 2 First Lien Y
16218582 2.25 20130401 12.25 2 2 First Lien Y
16218583 2.25 20130501 11.25 2 2 First Lien Y
16218584 2.25 20130401 11 2 2 First Lien Y
16218585 2.25 20130401 11.375 2 2 First Lien Y
16218586 2.25 20130401 11.375 2 2 First Lien Y
16218587 2.25 20130501 11.375 2 2 First Lien N
16218588 2.25 20130501 11.375 2 2 First Lien Y
16218589 2.25 20130501 11.625 2 2 First Lien Y
16218590 2.25 20130501 11.5 2 2 First Lien Y
16218591 2.25 20130501 11.625 2 2 First Lien Y
16218592 2.25 20130501 11.75 2 2 First Lien Y
16218593 2.25 20130501 11.5 2 2 First Lien N
16218594 2.75 20130501 12.125 2 2 First Lien N
16218595 2.25 20130401 11 2.5 2 First Lien Y
16218596 2.25 20130501 11.125 2 2 First Lien Y
16232384 2.25 20120701 10.375 2 2 First Lien Y
16218960 2.25 20160501 11.375 2 2 First Lien Y
16218961 2.25 20160501 11.5 2 2 First Lien Y
16218962 2.25 20160501 11.125 2 2 First Lien Y
16218963 2.25 20160501 11.875 2 2 First Lien Y
16218964 2.25 20160501 10.875 2 2 First Lien Y
16218965 2.25 20160501 11.25 2 2 First Lien N
16218966 2.25 20160501 9.625 2 2 First Lien Y
16218967 2.25 20160501 11.375 2 2 First Lien Y
16218968 2.25 20160501 11.375 2 2 First Lien Y
16218969 2.25 20160501 11.75 2 2 First Lien Y
16218970 2.25 20160501 11.25 2 2 First Lien Y
16218971 2.25 20160501 11.375 2 2 First Lien Y
16218972 2.25 20160501 11.25 2 2 First Lien Y
16218973 2.25 20160501 11.25 2 2 First Lien N
16218974 2.25 20160501 11.5 2 2 First Lien Y
16218975 2.25 20160501 11.375 2 2 First Lien Y
16218976 2.25 20160501 11.125 2 2 First Lien Y
16218977 2.25 20160501 11.375 2 2 First Lien Y
16218978 2.25 20160501 11.25 2 2 First Lien Y
16218979 2.25 20160501 11.5 2 2 First Lien Y
16218980 2.25 20160501 11.5 2 2 First Lien Y
16218981 2.25 20160501 11.125 2 2 First Lien Y
16218982 2.25 20160601 11.25 2 2 First Lien Y
16218983 2.25 20160501 11.625 2 2 First Lien Y
16218984 2.25 20160501 11.25 2 2 First Lien Y
16218985 2.25 20160501 11.625 2 2 First Lien Y
16218986 2.25 20160501 11.375 2 2 First Lien Y
16218987 2.25 20160501 11.25 2 2 First Lien Y
16218988 2.25 20160501 11.875 2 2 First Lien Y
16218989 2.25 20160501 11.25 2 2 First Lien Y
16218990 2.25 20160501 11.25 2 2 First Lien Y
16218991 2.25 20160501 11.25 2 2 First Lien Y
16218992 2.25 20160601 11.625 2 2 First Lien Y
16218993 2.25 20160501 11.375 2 2 First Lien Y
16218994 2.25 20160501 11 2 2 First Lien Y
16218995 2.25 20160501 11.375 2 2 First Lien Y
16218996 2.25 20160501 11.25 2 2 First Lien Y
16218997 2.25 20160601 11.625 2 2 First Lien Y
16218998 2.25 20160501 11.25 2 2 First Lien Y
16218999 2.25 20160501 11.25 2 2 First Lien Y
16218940 2.25 20160501 11.25 2 2 First Lien Y
16218941 2.25 20160501 11.375 2 2 First Lien Y
16218942 2.25 20160501 11 2 2 First Lien Y
16218943 2.25 20160501 11.125 2 2 First Lien Y
16218944 2.25 20160501 11 2 2 First Lien Y
16218945 2.25 20160501 11.25 2 2 First Lien N
16218946 2.25 20160501 11.375 2 2 First Lien Y
16218947 2.25 20160501 11.125 2 2 First Lien Y
16218948 2.25 20160501 11.5 2 2 First Lien Y
16218949 2.25 20160501 11.625 2 2 First Lien Y
16218950 2.25 20160501 11.375 2 2 First Lien Y
16218951 2.25 20160501 11.25 2 2 First Lien Y
16218952 2.25 20160501 11.25 2 2 First Lien Y
16218953 2.25 20160501 11.875 2 2 First Lien Y
16218954 2.25 20160501 11.125 2 2 First Lien Y
16218955 2.25 20160501 11.5 2 2 First Lien Y
16218956 2.25 20160501 11.625 2 2 First Lien Y
16218957 2.25 20160501 11.5 2 2 First Lien Y
16218958 2.25 20160501 11.875 2 2 First Lien Y
16218959 2.25 20160501 11.375 2 2 First Lien Y
16218930 2.25 20160501 10.5 2 2 First Lien Y
16218931 2.25 20160401 10.625 2 2 First Lien Y
16218932 2.25 20160501 11.125 2 2 First Lien Y
16218933 2.25 20160501 10.875 2 2 First Lien N
16218934 2.25 20160501 11.25 2 2 First Lien Y
16218935 2.25 20160501 11.875 2 2 First Lien Y
16218936 2.25 20160501 11.125 2 2 First Lien Y
16218937 2.25 20160501 11.375 2 2 First Lien Y
16218938 2.25 20160501 11.625 2 2 First Lien Y
16218939 2.25 20160501 11.25 2 2 First Lien Y
16218885 2.25 20160501 11 2 2 First Lien Y
16218886 2.25 20160501 10.875 2 2 First Lien Y
16218887 2.25 20160501 11 2 2 First Lien Y
16218888 2.25 20160101 11.5 2 2 First Lien Y
16218889 2.25 20160401 11 2 2 First Lien Y
16218890 2.25 20160501 11.375 2 2 First Lien Y
16218891 2.25 20160501 11.25 2 2 First Lien Y
16218892 2.25 20160401 11.125 2 2 First Lien Y
16218893 2.25 20160401 11 2 2 First Lien Y
16218894 2.25 20160401 11.25 2 2 First Lien Y
16218895 2.25 20160401 11.875 2 2 First Lien Y
16218896 2.25 20160501 11.375 2 2 First Lien N
16218897 2.25 20160501 11.25 2 2 First Lien Y
16218898 2.75 20160401 11.5 2 2 First Lien Y
16218899 2.25 20160401 11.625 2.5 2 First Lien Y
16218880 2.25 20160501 11.375 2 2 First Lien Y
16218881 2.25 20160401 11.375 2 2 First Lien N
16218882 2.25 20160501 10.75 2 2 First Lien Y
16218883 2.25 20160501 11.875 2 2 First Lien Y
16218884 2.25 20160501 11.375 2 2 First Lien Y
16218901 2.25 20160501 10.875 2 2 First Lien Y
16218902 2.25 20160501 11.875 2 2 First Lien Y
16218903 2.25 20160401 11.375 2 2 First Lien Y
16218904 2.25 20160501 10.75 2 2 First Lien Y
16218905 2.25 20160501 11.75 2 2 First Lien Y
16218906 2.25 20160501 11.875 2 2 First Lien Y
16218907 2.25 20160501 11.75 2 2 First Lien Y
16218908 2.25 20160501 11.375 2 2 First Lien Y
16218909 2.25 20160501 11.375 2 2 First Lien N
16218910 2.25 20160501 11.75 2 2 First Lien Y
16218911 2.25 20160501 12.5 2 2 First Lien Y
16218912 2.25 20160501 11.75 2 2 First Lien Y
16218913 2.25 20160501 11.75 2 2 First Lien Y
16218914 2.25 20160501 11.625 2 2 First Lien Y
16218915 2.25 20160501 11.5 2 2 First Lien Y
16218916 2.25 20160501 11 2 2 First Lien Y
16218917 2.25 20160501 11.375 2 2 First Lien Y
16218918 2.25 20160501 10.875 2 2 First Lien Y
16218919 2.25 20160501 11.625 2 2 First Lien Y
16218920 2.25 20160501 11.25 2 2 First Lien Y
16218921 2.25 20160501 11.625 2 2 First Lien N
16218922 2.25 20160501 11.125 2 2 First Lien Y
16218923 2.25 20160501 11.25 2 2 First Lien Y
16218924 2.25 20160501 11.875 2 2 First Lien Y
16218925 2.25 20160501 11.375 2 2 First Lien N
16218926 2.25 20160501 11.375 2 2 First Lien Y
16218927 2.25 20160501 13 2 2 First Lien Y
16218928 2.25 20160501 11.125 2 2 First Lien Y
16218929 2.25 20160501 11.75 2 2 First Lien Y
16218900 2.25 20160501 11.125 2 2 First Lien Y
16219027 2.25 20160501 11.875 2 2 First Lien Y
16219029 2.25 20160501 11.5 2 2 First Lien Y
16219030 2.25 20160501 11.375 2 2 First Lien Y
16219000 2.25 20160501 11.75 2 2 First Lien Y
16219001 2.25 20160501 11.375 2 2 First Lien Y
16219002 2.25 20160501 11.125 2 2 First Lien Y
16219003 2.25 20160501 11.875 2 2 First Lien Y
16219004 2.25 20160501 11.625 2 2 First Lien Y
16219005 2.25 20160501 11.5 2 2 First Lien N
16219006 2.25 20160501 11.625 2 2 First Lien N
16219007 2.25 20160501 11.375 2 2 First Lien Y
16219008 2.25 20160501 11.375 2 2 First Lien Y
16219009 2.25 20160501 11.375 2 2 First Lien Y
16219010 2.25 20160501 11.125 2 2 First Lien N
16219011 2.25 20160501 11.125 2 2 First Lien Y
16219012 2.25 20160501 11.375 2 2 First Lien Y
16219013 2.25 20160501 11.5 2 2 First Lien Y
16219014 2.25 20160501 11.625 2 2 First Lien Y
16219015 2.25 20160501 11.375 2 2 First Lien Y
16219016 2.25 20160501 11.5 2 2 First Lien Y
16219017 2.25 20160501 11.375 2 2 First Lien Y
16219018 2.25 20160501 10.875 2 2 First Lien Y
16219019 2.25 20160501 11.75 2 2 First Lien Y
16219020 2.25 20160501 11.5 2 2 First Lien Y
16219021 2.25 20160501 11.125 2 2 First Lien Y
16219022 2.25 20160501 11.25 2 2 First Lien Y
16219023 2.25 20160501 11.375 2 2 First Lien Y
16219024 2.25 20160501 11.625 2 2 First Lien Y
16219025 2.25 20160501 11.125 2 2 First Lien Y
16219026 2.25 20160501 11.625 2 2 First Lien Y
16132484 2.75 20151101 11.5 2 2 First Lien Y
16132485 2.75 20101101 10.125 2.5 2 First Lien Y
16132486 2.75 20110201 10.375 2.5 2 First Lien Y
16132487 2.75 20101101 10.75 2.5 2 First Lien Y
16132488 2.75 20101201 11.875 2.5 2 First Lien Y
16132490 2.75 20160301 11.625 2.5 2 First Lien Y
16132491 2.75 20121201 11.625 2.5 2 First Lien Y
16132492 2.75 20121201 11.25 2.5 2 First Lien N
15830580 2.75 20080901 9.875 2.5 2 First Lien N
15830659 2.75 20100701 9.875 2.5 2 First Lien N
15830691 2.75 20101001 10.375 2.5 2 First Lien N
15830692 2.75 20101001 10.125 2.5 2 First Lien Y
15830779 2.75 20101001 10.5 2.5 2 First Lien Y
15830881 2.75 20101001 11.5 2.5 2 First Lien Y
15830883 2.75 20101001 11.125 2.5 2 First Lien Y
15830956 2.75 20101001 10.5 2.5 2 First Lien N
15830987 2.75 20100901 9.875 2.5 2 First Lien Y
15831159 2.75 20101001 11.125 2.5 2 First Lien Y
15831162 2.75 20101001 10.75 2.5 2 First Lien Y
15831298 2.75 20100301 10 2.5 2 First Lien N
15831306 2.75 20100301 9.875 2.5 2 First Lien N
15831355 2.75 20100901 10 2.5 2 First Lien N
15831373 2.75 20101001 10 2.5 2 First Lien Y
15831471 2.75 20101001 10.75 2.5 2 First Lien Y
15831507 2.75 20101001 10 2.5 2 First Lien N
15831577 2.75 20101001 10.625 2.5 2 First Lien Y
15831602 2.75 20101001 10.875 2.5 2 First Lien Y
15831626 2.75 20101101 10.625 2.5 2 First Lien Y
15831665 2.75 20101001 10.875 2.5 2 First Lien Y
15831684 2.75 20101001 10.875 2.5 2 First Lien Y
15831701 2.75 20101001 10.875 2.5 2 First Lien Y
16019791 2.75 20101001 10.125 2.5 2 First Lien Y
16019841 2.75 20101001 10.125 2.5 2 First Lien N
16019844 2.75 20101001 10 2.5 2 First Lien Y
16020328 2.25 20101001 10.125 2.5 2 First Lien Y
16020419 2.75 20101101 10.25 2 2 First Lien N
16020619 2.25 20100801 10.125 2.5 2 First Lien Y
16020700 2.75 20101201 10.25 2 2 First Lien N
16020753 2.75 20090701 10.25 2.5 2 First Lien N
16020805 2.75 20101101 10.25 2.5 2 First Lien Y
16020911 2.75 20101001 9.25 2.5 2 First Lien Y
16166788 2.25 20110401 11 2.5 2 First Lien Y
16166791 2.25 20110401 11.5 2 2 First Lien Y
16166795 2.25 20110401 11.625 2 2 First Lien Y
16166796 2.25 20110401 11.5 2 2 First Lien Y
16166748 2.25 20110401 11.375 2 2 First Lien Y
16166762 2.25 20110401 11.625 2 2 First Lien Y
16166772 2.25 20110401 10.875 2 2 First Lien Y
16166776 2.25 20110401 11.25 2 2 First Lien Y
16166781 2.25 20101101 11 2 2 First Lien Y
16166782 2.25 20110401 11 2 2 First Lien Y
16166787 2.25 20110401 11.625 2 2 First Lien Y
16166737 2.25 20110401 11 2 2 First Lien Y
16166621 2.25 20110401 10.5 2 2 First Lien Y
16166639 2.25 20110401 11.875 2 2 First Lien Y
16166641 2.25 20110401 11.5 2 2 First Lien Y
16166645 2.25 20110401 11.375 2 2 First Lien Y
16166660 2.25 20110401 11.375 2 2 First Lien Y
16166664 2.25 20110401 11.375 2 2 First Lien Y
16166666 2.25 20110401 11.375 2 2 First Lien Y
16166669 2.25 20110401 11.25 2 2 First Lien Y
16166670 2.25 20110401 11.625 2 2 First Lien Y
16166672 2.25 20110401 11.375 2 2 First Lien Y
16166679 2.25 20110401 11.125 2 2 First Lien Y
16166682 2.25 20110401 10.75 2 2 First Lien Y
16166683 2.25 20110401 11 2 2 First Lien Y
16166686 2.25 20110401 11.375 2 2 First Lien N
16166689 2.25 20110401 10.75 2 2 First Lien Y
16166695 2.25 20110401 11.75 2 2 First Lien Y
16166698 2.25 20110401 11.5 2 2 First Lien Y
16166702 2.25 20110401 11.5 2 2 First Lien Y
16166711 2.25 20110401 10.875 2 2 First Lien N
16166716 2.25 20110401 11.5 2 2 First Lien Y
16166725 2.25 20110401 11 2 2 First Lien Y
16166729 2.25 20110401 11.25 2 2 First Lien N
16166616 2.25 20110401 11.25 2 2 First Lien Y
16166593 2.25 20110401 10.625 2 2 First Lien Y
16166595 2.25 20110401 11 2 2 First Lien Y
16166610 2.25 20110401 11.75 2 2 First Lien Y
16166613 2.25 20110401 10.75 2 2 First Lien Y
16166614 2.25 20110401 11.375 2 2 First Lien Y
16166577 2.25 20110401 11.5 2 2 First Lien Y
16166579 2.25 20110401 11.375 2 2 First Lien Y
16166580 2.25 20110401 11.125 2 2 First Lien N
16166454 2.25 20110401 11.25 2 2 First Lien Y
16166458 2.25 20110401 11.75 2 2 First Lien Y
16166459 2.25 20110401 10 2 2 First Lien N
16166460 2.25 20110401 11.375 2 2 First Lien Y
16166467 2.25 20110401 11.5 2 2 First Lien N
16166469 2.25 20110401 11.5 2 2 First Lien Y
16166470 2.25 20110401 10.875 2 2 First Lien N
16166474 2.25 20110401 11.125 2 2 First Lien Y
16166477 2.25 20110401 11.875 2 2 First Lien Y
16166488 2.25 20110401 10.5 2 2 First Lien Y
16166494 2.25 20110401 11.125 2 2 First Lien Y
16166515 2.25 20110401 11 2 2 First Lien Y
16166518 2.25 20110401 11.375 2 2 First Lien Y
16166519 2.25 20110401 11 2 2 First Lien Y
16166521 2.25 20110401 11.25 2 2 First Lien Y
16166522 2.25 20110401 11 2 2 First Lien Y
16166523 2.25 20110401 11.375 2 2 First Lien Y
16166524 2.25 20110401 11.5 2 2 First Lien Y
16166526 2.25 20110401 11.25 2 2 First Lien Y
16166533 2.25 20110401 11.5 2 2 First Lien Y
16166539 2.25 20110401 11.75 2 2 First Lien Y
16166540 2.25 20110401 11.25 2 2 First Lien Y
16166544 2.25 20110401 11.125 2 2 First Lien Y
16166545 2.25 20110401 11.375 2 2 First Lien Y
16166550 2.25 20110401 10.875 2 2 First Lien Y
16166560 2.75 20110401 10.875 2 2 First Lien N
16166417 2.25 20110401 10.375 2.5 2 First Lien Y
16166419 2.25 20110401 10.875 2 2 First Lien Y
16166421 2.25 20110401 11.25 2 2 First Lien Y
16166425 2.25 20110401 10.875 2 2 First Lien Y
16166426 2.25 20110401 10.5 2 2 First Lien Y
16166428 2.25 20110401 11 2 2 First Lien Y
16166435 2.25 20110401 11.375 2 2 First Lien Y
16166436 2.25 20110401 11.625 2 2 First Lien N
16166443 2.25 20110401 11 2 2 First Lien N
16166449 2.25 20110401 11.625 2 2 First Lien Y
16166319 2.25 20110401 11.125 2 2 First Lien Y
16166321 2.25 20110401 11.125 2 2 First Lien Y
16166323 2.25 20110401 11.5 2 2 First Lien Y
16166327 2.25 20110401 10.625 2 2 First Lien Y
16166328 2.25 20110401 11.5 2 2 First Lien Y
16166336 2.25 20110401 10.5 2 2 First Lien Y
16166340 2.25 20110401 11.375 2 2 First Lien Y
16166344 2.25 20110401 10.875 2 2 First Lien Y
16166349 2.25 20110401 11.25 2 2 First Lien Y
16166353 2.25 20110401 10.5 2 2 First Lien Y
16166359 2.25 20110401 11 2 2 First Lien Y
16166364 2.25 20110401 11.5 2 2 First Lien Y
16166377 2.25 20110401 11.75 2 2 First Lien Y
16166378 2.25 20110401 11.125 2 2 First Lien Y
16166379 2.25 20110401 11.5 2 2 First Lien Y
16166380 2.25 20110401 10.75 2 2 First Lien Y
16166389 2.25 20110401 10.75 2 2 First Lien Y
16166390 2.25 20110401 10.875 2 2 First Lien Y
16166395 2.25 20110401 11.625 2 2 First Lien Y
16166407 2.25 20110401 11.5 2 2 First Lien Y
16166411 2.25 20110401 11.25 2 2 First Lien Y
16166289 2.25 20110401 10.5 2 2 First Lien N
16166296 2.25 20110401 10.625 2 2 First Lien Y
16166310 2.25 20110301 10.25 2 2 First Lien Y
16166313 2.25 20110401 10.875 2 2 First Lien Y
16166315 2.25 20110401 10.625 2 2 First Lien N
16166318 2.25 20110401 11.875 2 2 First Lien Y
16166098 2.25 20110301 11.375 2 2 First Lien Y
16166102 2.25 20110301 10.5 2 2 First Lien N
16166104 2.25 20110301 11.375 2 2 First Lien Y
16166106 2.25 20110301 11 2 2 First Lien Y
16166107 2.25 20110401 11.25 2 2 First Lien Y
16166108 2.25 20110401 10.625 2 2 First Lien Y
16166110 2.25 20110301 10.875 2 2 First Lien Y
16166113 2.25 20110301 10.75 2 2 First Lien Y
16166115 2.25 20110301 11.25 2 2 First Lien Y
16166116 2.25 20110301 10.875 2 2 First Lien Y
16166121 2.25 20110301 10.75 2 2 First Lien Y
16166122 2.25 20110301 11.625 2 2 First Lien Y
16166125 2.25 20110301 10.125 2 2 First Lien Y
16166127 2.25 20110301 11.25 2 2 First Lien Y
16166128 2.25 20110401 10.75 2 2 First Lien Y
16166135 2.25 20110401 10.875 2 2 First Lien Y
16166136 2.25 20110401 11 2 2 First Lien Y
16166138 2.25 20110401 11.125 2 2 First Lien Y
16166142 2.25 20110401 11.125 2 2 First Lien Y
16166143 2.25 20110301 11.5 2 2 First Lien Y
16166145 2.25 20110301 11.25 2 2 First Lien N
16166147 2.25 20110301 10.875 2 2 First Lien Y
16166148 2.25 20110401 11.125 2 2 First Lien Y
16166151 2.25 20110301 11.125 2 2 First Lien Y
16166152 2.25 20110401 11.5 2 2 First Lien Y
16166155 2.25 20110301 11.875 2 2 First Lien Y
16166159 2.25 20110401 10.75 2 2 First Lien Y
16166160 2.25 20110401 10.5 2 2 First Lien N
16166161 2.25 20110401 11.875 2 2 First Lien Y
16166163 2.25 20110401 10.875 2 2 First Lien Y
16166164 2.25 20110401 11.5 2 2 First Lien Y
16166167 2.25 20110301 11 2 2 First Lien Y
16166168 2.25 20110301 11.375 2 2 First Lien Y
16166170 2.25 20110401 11.125 2 2 First Lien Y
16166175 2.25 20110301 11.125 2 2 First Lien Y
16166176 2.25 20110401 11.25 2 2 First Lien Y
16166178 2.25 20110401 11.5 2 2 First Lien Y
16166189 2.25 20110401 11.375 2 2 First Lien Y
16166194 2.25 20110301 11.125 2 2 First Lien Y
16166197 2.25 20110301 11.25 2 2 First Lien N
16166200 2.25 20110401 11.625 2 2 First Lien N
16166201 2.25 20110401 11.5 2 2 First Lien Y
16166202 2.25 20110301 10.5 2 2 First Lien Y
16166203 2.25 20110401 11.375 2 2 First Lien N
16166204 2.25 20110401 10.875 2 2 First Lien Y
16166207 2.25 20110401 11.25 2 2 First Lien Y
16166213 2.25 20110301 11.625 2 2 First Lien Y
16166217 2.25 20110401 11 2 2 First Lien Y
16166218 2.25 20110301 10.75 2 2 First Lien Y
16166220 2.25 20110401 11 2 2 First Lien N
16166223 2.25 20110401 11.25 2 2 First Lien N
16166225 2.25 20110401 11.5 2 2 First Lien Y
16166232 2.25 20110401 11.125 2 2 First Lien Y
16166234 2.25 20110401 10.875 2 2 First Lien Y
16166235 2.25 20110301 10.5 2 2 First Lien N
16166237 2.25 20110401 11.875 2 2 First Lien Y
16166238 2.25 20110401 10.625 2 2 First Lien N
16166245 2.25 20110401 11.25 2 2 First Lien Y
16166247 2.25 20110401 11.75 2 2 First Lien Y
16166249 2.25 20110301 10.875 2 2 First Lien Y
16166255 2.25 20110401 11.5 2 2 First Lien Y
16166267 2.25 20110401 11.125 2 2 First Lien Y
16166069 2.25 20110401 10.75 2 2 First Lien Y
16166074 2.25 20110401 11 2 2 First Lien Y
16166083 2.25 20110401 11.25 2 2 First Lien Y
16166092 2.25 20110301 12 2 2 First Lien Y
2026
LOAN_SEQ IO_PERIOD PREPAY AMORT_TERM1 PORTFOLIO
---------------------------------------------------------------------------------------------------------------------------
16046700 36 No_PP 360 ADN1
16046701 60 No_PP 360 ADN1
16046702 60 No_PP 360 ADN1
16046703 0 No_PP 360 ADN1
16046704 60 No_PP 360 ADN1
16046705 36 No_PP 360 ADN1
16046706 60 No_PP 360 ADN1
16046707 120 No_PP 360 ADN1
16046708 60 No_PP 360 ADN1
16046709 60 No_PP 360 ADN1
16046710 60 No_PP 360 ADN1
16046712 60 No_PP 360 ADN1
16046713 120 No_PP 360 ADN1
16046714 60 No_PP 360 ADN1
16046715 120 No_PP 360 ADN1
16046482 60 No_PP 360 ADN1
16046498 120 No_PP 360 ADN1
16046505 120 No_PP 360 ADN1
16046511 60 No_PP 360 ADN1
16046514 0 No_PP 360 ADN1
16046521 120 No_PP 360 ADN1
16046541 120 No_PP 360 ADN1
16046546 60 No_PP 360 ADN1
16046550 120 No_PP 360 ADN1
16046562 60 No_PP 360 ADN1
16046570 60 No_PP 360 ADN1
16046579 36 No_PP 360 ADN1
16046587 120 No_PP 360 ADN1
16046597 0 No_PP 360 ADN1
16046606 60 No_PP 360 ADN1
16046615 60 No_PP 360 ADN1
16046618 36 No_PP 360 ADN1
16046644 60 No_PP 360 ADN1
16046645 0 No_PP 360 ADN1
16046646 36 No_PP 360 ADN1
16046648 60 No_PP 360 ADN1
16046649 60 No_PP 360 ADN1
16046651 36 No_PP 360 ADN1
16046655 60 No_PP 360 ADN1
16046663 84 No_PP 360 ADN1
16046673 36 No_PP 360 ADN1
16046675 120 No_PP 360 ADN1
16046682 60 No_PP 360 ADN1
16046693 120 No_PP 360 ADN1
16046698 60 No_PP 360 ADN1
16046711 60 No_PP 360 ADN1
16046720 60 No_PP 360 ADN1
16046729 60 No_PP 360 ADN1
16046730 120 No_PP 360 ADN1
16046738 60 No_PP 360 ADN1
16046747 120 No_PP 360 ADN1
16046763 120 No_PP 360 ADN1
16046766 60 No_PP 360 ADN1
16046767 120 No_PP 360 ADN1
16046768 0 No_PP 360 ADN1
16046770 0 No_PP 360 ADN1
16046771 36 No_PP 360 ADN1
16046773 36 No_PP 360 ADN1
16046779 60 No_PP 360 ADN1
16046782 120 No_PP 360 ADN1
16046807 60 No_PP 360 ADN1
16046815 120 No_PP 360 ADN1
16046821 84 No_PP 360 ADN1
16046826 120 No_PP 360 ADN1
16046739 60 No_PP 360 ADN1
16046740 120 No_PP 360 ADN1
16046741 120 No_PP 360 ADN1
16046742 60 No_PP 360 ADN1
16046743 84 No_PP 360 ADN1
16046744 0 No_PP 360 ADN1
16046746 60 No_PP 360 ADN1
16046748 0 No_PP 360 ADN1
16046750 60 No_PP 360 ADN1
16046751 60 No_PP 360 ADN1
16046752 84 No_PP 360 ADN1
16046753 120 No_PP 360 ADN1
16046754 120 No_PP 360 ADN1
16046755 120 No_PP 360 ADN1
16046756 0 No_PP 360 ADN1
16046759 0 No_PP 360 ADN1
16046760 0 No_PP 360 ADN1
16046761 60 No_PP 360 ADN1
16046762 60 No_PP 360 ADN1
16046764 0 No_PP 360 ADN1
16046765 60 No_PP 360 ADN1
16046769 0 No_PP 360 ADN1
16046772 60 No_PP 360 ADN1
16046774 120 No_PP 360 ADN1
16046775 60 No_PP 360 ADN1
16046776 36 No_PP 360 ADN1
16046777 120 No_PP 360 ADN1
16046778 120 No_PP 360 ADN1
16046780 36 No_PP 360 ADN1
16046781 0 No_PP 360 ADN1
16046784 36 No_PP 360 ADN1
16046785 120 No_PP 360 ADN1
16046786 36 No_PP 360 ADN1
16046787 36 No_PP 360 ADN1
16046788 60 No_PP 360 ADN1
16046789 36 No_PP 360 ADN1
16046790 0 No_PP 360 ADN1
16046791 120 No_PP 360 ADN1
16046792 120 No_PP 360 ADN1
16046793 120 No_PP 360 ADN1
16046794 120 No_PP 360 ADN1
16046796 120 No_PP 360 ADN1
16046797 60 No_PP 360 ADN1
16046798 120 No_PP 360 ADN1
16046799 84 No_PP 360 ADN1
16046800 84 No_PP 360 ADN1
16046801 0 No_PP 360 ADN1
16046802 60 No_PP 360 ADN1
16046803 0 No_PP 360 ADN1
16046804 60 No_PP 360 ADN1
16046805 60 No_PP 360 ADN1
16046806 60 No_PP 360 ADN1
16046808 0 No_PP 360 ADN1
16046809 120 No_PP 360 ADN1
16046810 120 No_PP 360 ADN1
16046811 60 No_PP 360 ADN1
16046812 60 No_PP 360 ADN1
16046813 60 No_PP 360 ADN1
16046814 120 No_PP 360 ADN1
16046817 120 No_PP 360 ADN1
16046818 120 No_PP 360 ADN1
16046819 0 No_PP 360 ADN1
16046820 60 No_PP 360 ADN1
16046822 60 No_PP 360 ADN1
16046823 60 No_PP 360 ADN1
16046824 0 No_PP 360 ADN1
16046825 0 No_PP 360 ADN1
16046827 60 No_PP 360 ADN1
16046716 0 No_PP 360 ADN1
16046718 36 No_PP 360 ADN1
16046719 84 No_PP 360 ADN1
16046721 60 No_PP 360 ADN1
16046722 0 No_PP 360 ADN1
16046723 120 No_PP 360 ADN1
16046724 36 No_PP 360 ADN1
16046725 60 No_PP 360 ADN1
16046726 0 No_PP 360 ADN1
16046727 120 No_PP 360 ADN1
16046728 60 No_PP 360 ADN1
16046731 0 No_PP 360 ADN1
16046732 0 No_PP 360 ADN1
16046733 120 No_PP 360 ADN1
16046734 60 No_PP 360 ADN1
16046736 120 No_PP 360 ADN1
16046737 60 No_PP 360 ADN1
16046465 120 No_PP 360 ADN1
16046466 60 No_PP 360 ADN1
16046467 60 No_PP 360 ADN1
16046468 120 No_PP 360 ADN1
16046469 60 No_PP 360 ADN1
16046470 0 No_PP 360 ADN1
16046471 60 No_PP 360 ADN1
16046472 36 No_PP 360 ADN1
16046473 36 No_PP 360 ADN1
16046474 60 No_PP 360 ADN1
16046475 0 No_PP 360 ADN1
16046476 60 No_PP 360 ADN1
16046477 120 No_PP 360 ADN1
16046478 60 No_PP 360 ADN1
16046479 120 No_PP 360 ADN1
16046480 60 No_PP 360 ADN1
16046481 60 No_PP 360 ADN1
16046483 60 No_PP 360 ADN1
16046485 60 No_PP 360 ADN1
16046486 0 No_PP 360 ADN1
16046487 84 No_PP 360 ADN1
16046488 120 No_PP 360 ADN1
16046489 120 No_PP 360 ADN1
16046491 60 No_PP 360 ADN1
16046492 0 No_PP 360 ADN1
16046493 120 No_PP 360 ADN1
16046494 120 No_PP 360 ADN1
16046496 60 No_PP 360 ADN1
16046497 60 No_PP 360 ADN1
16046499 84 No_PP 360 ADN1
16046500 0 No_PP 360 ADN1
16046501 120 No_PP 360 ADN1
16046502 0 No_PP 360 ADN1
16046503 60 No_PP 360 ADN1
16046506 120 No_PP 360 ADN1
16046507 0 No_PP 360 ADN1
16046508 60 No_PP 360 ADN1
16046509 0 No_PP 360 ADN1
16046510 36 No_PP 360 ADN1
16046512 120 No_PP 360 ADN1
16046513 0 No_PP 360 ADN1
16046515 60 No_PP 360 ADN1
16046516 36 No_PP 360 ADN1
16046517 60 No_PP 360 ADN1
16046518 60 No_PP 360 ADN1
16046519 120 No_PP 360 ADN1
16046520 0 No_PP 360 ADN1
16046522 120 No_PP 360 ADN1
16046524 60 No_PP 360 ADN1
16046643 36 No_PP 360 ADN1
16046647 120 No_PP 360 ADN1
16046650 36 No_PP 360 ADN1
16046652 120 No_PP 360 ADN1
16046653 0 No_PP 360 ADN1
16046654 60 No_PP 360 ADN1
16046656 120 No_PP 360 ADN1
16046657 0 No_PP 360 ADN1
16046658 60 No_PP 360 ADN1
16046659 0 No_PP 360 ADN1
16046660 60 No_PP 360 ADN1
16046661 60 No_PP 360 ADN1
16046662 60 No_PP 360 ADN1
16046664 0 No_PP 360 ADN1
16046665 0 No_PP 360 ADN1
16046666 60 No_PP 360 ADN1
16046667 60 No_PP 360 ADN1
16046669 0 No_PP 360 ADN1
16046670 60 No_PP 360 ADN1
16046671 120 No_PP 360 ADN1
16046672 120 No_PP 360 ADN1
16046674 120 No_PP 360 ADN1
16046676 60 No_PP 360 ADN1
16046678 60 No_PP 360 ADN1
16046679 0 No_PP 360 ADN1
16046680 60 No_PP 360 ADN1
16046683 0 No_PP 360 ADN1
16046684 120 No_PP 360 ADN1
16046685 60 No_PP 360 ADN1
16046686 120 No_PP 360 ADN1
16046687 0 No_PP 360 ADN1
16046688 120 No_PP 360 ADN1
16046689 120 No_PP 360 ADN1
16046690 60 No_PP 360 ADN1
16046691 0 No_PP 360 ADN1
16046692 0 No_PP 360 ADN1
16046694 36 No_PP 360 ADN1
16046695 60 No_PP 360 ADN1
16046697 120 No_PP 360 ADN1
16046699 60 No_PP 360 ADN1
16046598 120 No_PP 360 ADN1
16046600 60 No_PP 360 ADN1
16046601 60 No_PP 360 ADN1
16046602 60 No_PP 360 ADN1
16046603 0 No_PP 360 ADN1
16046604 120 No_PP 360 ADN1
16046605 120 No_PP 360 ADN1
16046607 60 No_PP 360 ADN1
16046608 60 No_PP 360 ADN1
16046609 60 No_PP 360 ADN1
16046610 120 No_PP 360 ADN1
16046612 36 No_PP 360 ADN1
16046613 0 No_PP 360 ADN1
16046614 0 No_PP 360 ADN1
16046616 120 No_PP 360 ADN1
16046617 120 No_PP 360 ADN1
16046619 36 No_PP 360 ADN1
16046620 60 No_PP 360 ADN1
16046621 60 No_PP 360 ADN1
16046622 60 No_PP 360 ADN1
16046623 0 No_PP 360 ADN1
16046624 0 No_PP 360 ADN1
16046625 120 No_PP 360 ADN1
16046626 36 No_PP 360 ADN1
16046627 0 No_PP 360 ADN1
16046628 60 No_PP 360 ADN1
16046629 60 No_PP 360 ADN1
16046630 60 No_PP 360 ADN1
16046631 0 No_PP 360 ADN1
16046632 0 No_PP 360 ADN1
16046634 60 No_PP 360 ADN1
16046635 0 No_PP 360 ADN1
16046637 120 No_PP 360 ADN1
16046638 0 No_PP 360 ADN1
16046639 60 No_PP 360 ADN1
16046640 120 No_PP 360 ADN1
16046641 0 No_PP 360 ADN1
16046642 60 No_PP 360 ADN1
16046525 0 No_PP 360 ADN1
16046526 0 No_PP 360 ADN1
16046527 0 No_PP 360 ADN1
16046528 0 No_PP 360 ADN1
16046529 36 No_PP 360 ADN1
16046530 60 No_PP 360 ADN1
16046531 0 No_PP 360 ADN1
16046532 0 No_PP 360 ADN1
16046533 0 No_PP 360 ADN1
16046534 36 No_PP 360 ADN1
16046535 0 No_PP 360 ADN1
16046536 120 No_PP 360 ADN1
16046537 0 No_PP 360 ADN1
16046538 36 No_PP 360 ADN1
16046540 120 No_PP 360 ADN1
16046542 60 No_PP 360 ADN1
16046543 120 No_PP 360 ADN1
16046544 0 No_PP 360 ADN1
16046545 120 No_PP 360 ADN1
16046547 120 No_PP 360 ADN1
16046548 0 No_PP 360 ADN1
16046549 60 No_PP 360 ADN1
16046551 120 No_PP 360 ADN1
16046553 60 No_PP 360 ADN1
16046555 0 No_PP 360 ADN1
16046557 60 No_PP 360 ADN1
16046558 60 No_PP 360 ADN1
16046559 60 No_PP 360 ADN1
16046560 0 No_PP 360 ADN1
16046561 36 No_PP 360 ADN1
16046563 120 No_PP 360 ADN1
16046564 60 No_PP 360 ADN1
16046565 60 No_PP 360 ADN1
16046566 60 No_PP 360 ADN1
16046567 120 No_PP 360 ADN1
16046568 60 No_PP 360 ADN1
16046572 0 No_PP 360 ADN1
16046573 36 No_PP 360 ADN1
16046574 120 No_PP 360 ADN1
16046575 84 No_PP 360 ADN1
16046576 0 No_PP 360 ADN1
16046578 36 No_PP 360 ADN1
16046580 60 No_PP 360 ADN1
16046581 60 No_PP 360 ADN1
16046582 60 No_PP 360 ADN1
16046583 60 No_PP 360 ADN1
16046584 84 No_PP 360 ADN1
16046585 120 No_PP 360 ADN1
16046588 0 No_PP 360 ADN1
16046591 60 No_PP 360 ADN1
16046592 120 No_PP 360 ADN1
16046593 0 No_PP 360 ADN1
16046594 60 No_PP 360 ADN1
16046595 120 No_PP 360 ADN1
16046596 60 No_PP 360 ADN1
16127503 0 No_PP 360 ADN1
16127504 0 No_PP 360 ADN1
16127506 0 No_PP 360 ADN1
16127507 0 No_PP 360 ADN1
16127508 0 No_PP 360 ADN1
16127509 0 No_PP 360 ADN1
16127510 0 No_PP 360 ADN1
16127511 84 No_PP 360 ADN1
16127512 0 No_PP 360 ADN1
16127513 0 No_PP 360 ADN1
16127514 60 No_PP 360 ADN1
16127515 0 No_PP 360 ADN1
16127516 0 No_PP 360 ADN1
16127517 0 No_PP 360 ADN1
16127518 0 No_PP 360 ADN1
16127519 0 No_PP 360 ADN1
16127520 60 No_PP 360 ADN1
16127521 60 No_PP 360 ADN1
16127522 60 No_PP 360 ADN1
16127523 0 No_PP 360 ADN1
16127524 0 No_PP 360 ADN1
16127525 0 No_PP 360 ADN1
16127526 0 No_PP 360 ADN1
16127527 60 No_PP 360 ADN1
16127528 0 No_PP 360 ADN1
16127529 60 No_PP 360 ADN1
16127530 0 No_PP 360 ADN1
16127532 60 No_PP 360 ADN1
16127533 0 No_PP 360 ADN1
16127534 0 No_PP 360 ADN1
16127547 0 No_PP 360 ADN1
16127548 0 No_PP 360 ADN1
16127550 0 No_PP 360 ADN1
16127551 0 No_PP 360 ADN1
16127552 0 No_PP 360 ADN1
16127553 0 No_PP 360 ADN1
16127554 0 No_PP 360 ADN1
16127555 60 No_PP 360 ADN1
16127556 0 No_PP 360 ADN1
16127557 0 No_PP 360 ADN1
16127558 0 No_PP 360 ADN1
16127559 0 No_PP 360 ADN1
16127560 0 No_PP 360 ADN1
16127561 0 No_PP 360 ADN1
16127562 0 No_PP 360 ADN1
16127563 0 No_PP 360 ADN1
16127565 0 No_PP 360 ADN1
16127566 0 No_PP 360 ADN1
16127567 84 No_PP 360 ADN1
16127568 0 No_PP 360 ADN1
16127569 0 No_PP 360 ADN1
16127570 0 No_PP 360 ADN1
16127571 0 No_PP 360 ADN1
16127572 0 No_PP 360 ADN1
16127573 0 No_PP 360 ADN1
16127574 0 No_PP 360 ADN1
16127575 0 No_PP 360 ADN1
16127576 0 No_PP 360 ADN1
16127577 60 No_PP 360 ADN1
16127578 120 No_PP 360 ADN1
16127541 0 No_PP 360 ADN1
16127542 60 No_PP 360 ADN1
16127543 84 No_PP 360 ADN1
16127544 0 No_PP 360 ADN1
16127545 0 No_PP 360 ADN1
16127546 0 No_PP 360 ADN1
16127535 0 No_PP 360 ADN1
16127536 120 No_PP 360 ADN1
16127537 0 No_PP 360 ADN1
16127538 0 No_PP 360 ADN1
16127539 0 No_PP 360 ADN1
16127540 0 No_PP 360 ADN1
16127499 0 No_PP 360 ADN1
16127500 0 No_PP 120 ADN1
16127501 0 No_PP 360 ADN1
16127502 0 No_PP 360 ADN1
16048088 36 No_PP 360 ADN1
16047971 0 No_PP 360 ADN1
16047977 0 No_PP 360 ADN1
16047989 36 No_PP 360 ADN1
16047990 0 No_PP 360 ADN1
16047991 36 No_PP 360 ADN1
16047992 0 No_PP 360 ADN1
16047994 36 Prepay 360 ADN1
16048002 36 No_PP 360 ADN1
16048004 36 No_PP 360 ADN1
16048006 36 No_PP 360 ADN1
16048008 36 No_PP 360 ADN1
16048012 0 No_PP 360 ADN1
16048014 36 No_PP 360 ADN1
16048015 36 No_PP 360 ADN1
16048018 36 No_PP 360 ADN1
16048019 36 No_PP 360 ADN1
16048020 0 No_PP 360 ADN1
16048021 36 No_PP 360 ADN1
16048024 36 No_PP 360 ADN1
16048033 36 No_PP 360 ADN1
16048037 36 Prepay 360 ADN1
16048045 36 No_PP 360 ADN1
16048046 36 No_PP 360 ADN1
16048048 36 No_PP 360 ADN1
16048049 0 No_PP 360 ADN1
16048050 36 No_PP 360 ADN1
16048068 36 No_PP 360 ADN1
16048082 36 No_PP 360 ADN1
16047965 60 Prepay 360 ADN1
16047967 0 No_PP 360 ADN1
16047968 60 No_PP 360 ADN1
16047970 60 No_PP 360 ADN1
16047972 60 No_PP 360 ADN1
16047973 60 Prepay 360 ADN1
16047976 60 No_PP 360 ADN1
16047978 0 No_PP 360 ADN1
16047980 60 Prepay 360 ADN1
16047983 60 No_PP 360 ADN1
16047984 60 Prepay 360 ADN1
16047985 60 No_PP 360 ADN1
16047987 60 No_PP 360 ADN1
16047988 60 No_PP 360 ADN1
16047993 60 No_PP 360 ADN1
16047995 60 No_PP 360 ADN1
16047996 0 No_PP 360 ADN1
16047997 60 No_PP 360 ADN1
16047998 0 No_PP 360 ADN1
16047999 60 No_PP 360 ADN1
16048000 60 No_PP 360 ADN1
16048001 60 No_PP 360 ADN1
16048003 60 No_PP 360 ADN1
16048005 60 No_PP 360 ADN1
16048007 60 No_PP 360 ADN1
16048009 60 No_PP 360 ADN1
16048010 60 Prepay 360 ADN1
16048011 60 No_PP 360 ADN1
16048013 60 No_PP 360 ADN1
16048016 60 No_PP 360 ADN1
16048017 60 Prepay 360 ADN1
16048022 60 No_PP 360 ADN1
16048023 0 No_PP 360 ADN1
16048025 60 No_PP 360 ADN1
16048027 60 No_PP 360 ADN1
16048028 0 No_PP 360 ADN1
16048029 60 No_PP 360 ADN1
16048030 0 No_PP 360 ADN1
16048031 60 Prepay 360 ADN1
16048032 60 Prepay 360 ADN1
16048034 60 No_PP 360 ADN1
16048035 0 No_PP 360 ADN1
16048036 60 No_PP 360 ADN1
16048039 60 No_PP 360 ADN1
16048040 60 No_PP 360 ADN1
16048041 60 No_PP 360 ADN1
16048042 60 Prepay 360 ADN1
16048043 0 No_PP 360 ADN1
16048044 0 No_PP 360 ADN1
16048047 60 No_PP 360 ADN1
16048051 60 No_PP 360 ADN1
16048052 60 No_PP 360 ADN1
16048053 60 No_PP 360 ADN1
16048054 60 No_PP 360 ADN1
16048055 60 Prepay 360 ADN1
16048057 60 No_PP 360 ADN1
16048058 60 No_PP 360 ADN1
16048059 60 No_PP 360 ADN1
16048060 60 No_PP 360 ADN1
16048061 60 No_PP 360 ADN1
16048063 60 No_PP 360 ADN1
16048064 0 No_PP 360 ADN1
16048066 60 No_PP 360 ADN1
16048067 60 No_PP 360 ADN1
16048070 60 No_PP 360 ADN1
16048071 60 No_PP 360 ADN1
16048072 60 Prepay 360 ADN1
16048073 60 No_PP 360 ADN1
16048074 60 No_PP 360 ADN1
16048075 60 No_PP 360 ADN1
16048076 60 No_PP 360 ADN1
16048077 60 No_PP 360 ADN1
16048078 60 No_PP 360 ADN1
16048079 60 No_PP 360 ADN1
16048080 60 No_PP 360 ADN1
16048081 60 No_PP 360 ADN1
16048083 60 Prepay 360 ADN1
16048084 0 No_PP 360 ADN1
16048086 0 Prepay 360 ADN1
16048087 60 No_PP 360 ADN1
16166797 36 No_PP 360 ADN1
16166649 0 No_PP 360 ADN1
16166730 36 No_PP 360 ADN1
16166615 36 Prepay 360 ADN1
16166582 36 Prepay 360 ADN1
16166471 36 No_PP 360 ADN1
16166475 36 No_PP 360 ADN1
16166437 36 Prepay 360 ADN1
16166450 36 Prepay 360 ADN1
16166320 36 No_PP 360 ADN1
16166337 36 Prepay 360 ADN1
16166347 0 No_PP 360 ADN1
16166275 36 Prepay 360 ADN1
16166095 36 No_PP 360 ADN1
16166097 36 No_PP 360 ADN1
16166101 0 No_PP 360 ADN1
16166119 0 No_PP 360 ADN1
16166120 36 No_PP 360 ADN1
16166134 36 No_PP 360 ADN1
16166140 36 No_PP 360 ADN1
16166146 36 No_PP 360 ADN1
16166150 36 No_PP 360 ADN1
16166158 0 No_PP 360 ADN1
16166162 0 No_PP 360 ADN1
16166165 36 No_PP 360 ADN1
16166190 0 No_PP 360 ADN1
16166191 36 No_PP 360 ADN1
16166192 0 No_PP 360 ADN1
16166250 36 No_PP 360 ADN1
16166072 36 Prepay 360 ADN1
16166081 0 Prepay 360 ADN1
16166088 36 No_PP 360 ADN1
16166094 0 No_PP 360 ADN1
16166794 60 No_PP 360 ADN1
16166798 60 No_PP 360 ADN1
16166747 60 No_PP 360 ADN1
16166751 60 No_PP 360 ADN1
16166754 60 Prepay 360 ADN1
16166759 0 No_PP 360 ADN1
16166763 60 No_PP 360 ADN1
16166766 60 No_PP 360 ADN1
16166768 60 No_PP 360 ADN1
16166769 60 Prepay 360 ADN1
16166771 60 No_PP 360 ADN1
16166734 60 Prepay 360 ADN1
16166735 60 No_PP 360 ADN1
16166736 60 No_PP 360 ADN1
16166738 60 No_PP 360 ADN1
16166631 0 Prepay 360 ADN1
16166632 60 No_PP 360 ADN1
16166635 60 No_PP 360 ADN1
16166642 60 No_PP 360 ADN1
16166644 60 No_PP 360 ADN1
16166653 0 No_PP 360 ADN1
16166657 60 Prepay 360 ADN1
16166662 0 No_PP 360 ADN1
16166665 60 No_PP 360 ADN1
16166667 60 No_PP 360 ADN1
16166680 0 No_PP 360 ADN1
16166693 60 Prepay 360 ADN1
16166694 60 No_PP 360 ADN1
16166696 60 No_PP 360 ADN1
16166701 60 No_PP 360 ADN1
16166703 60 No_PP 360 ADN1
16166705 60 No_PP 360 ADN1
16166713 60 No_PP 360 ADN1
16166715 60 No_PP 360 ADN1
16166719 60 No_PP 360 ADN1
16166722 0 Prepay 360 ADN1
16166584 0 No_PP 360 ADN1
16166587 60 No_PP 360 ADN1
16166589 60 No_PP 360 ADN1
16166590 60 No_PP 360 ADN1
16166596 60 No_PP 360 ADN1
16166598 60 No_PP 360 ADN1
16166602 120 No_PP 360 ADN1
16166604 60 No_PP 360 ADN1
16166605 60 No_PP 360 ADN1
16166606 60 No_PP 360 ADN1
16166609 60 Prepay 360 ADN1
16166611 60 No_PP 360 ADN1
16166574 120 No_PP 360 ADN1
16166578 60 No_PP 360 ADN1
16166456 60 No_PP 360 ADN1
16166472 60 No_PP 360 ADN1
16166473 60 No_PP 360 ADN1
16166476 60 No_PP 360 ADN1
16166479 60 No_PP 360 ADN1
16166481 60 No_PP 360 ADN1
16166482 60 No_PP 360 ADN1
16166483 60 Prepay 360 ADN1
16166493 60 Prepay 360 ADN1
16166497 120 No_PP 360 ADN1
16166498 60 No_PP 360 ADN1
16166500 0 No_PP 360 ADN1
16166501 60 No_PP 360 ADN1
16166504 60 No_PP 360 ADN1
16166505 120 No_PP 360 ADN1
16166510 60 No_PP 360 ADN1
16166527 60 No_PP 360 ADN1
16166528 60 No_PP 360 ADN1
16166531 120 No_PP 360 ADN1
16166534 60 Prepay 360 ADN1
16166535 60 No_PP 360 ADN1
16166536 60 No_PP 360 ADN1
16166542 60 No_PP 360 ADN1
16166554 60 No_PP 360 ADN1
16166555 60 No_PP 360 ADN1
16166556 60 No_PP 360 ADN1
16166563 120 Prepay 360 ADN1
16166570 0 No_PP 360 ADN1
16166413 60 No_PP 360 ADN1
16166414 60 No_PP 360 ADN1
16166415 60 No_PP 360 ADN1
16166416 60 No_PP 360 ADN1
16166423 60 Prepay 360 ADN1
16166424 60 No_PP 360 ADN1
16166438 60 Prepay 360 ADN1
16166440 0 No_PP 360 ADN1
16166329 60 No_PP 360 ADN1
16166345 60 No_PP 360 ADN1
16166350 60 No_PP 360 ADN1
16166354 60 No_PP 360 ADN1
16166355 60 Prepay 360 ADN1
16166356 0 No_PP 360 ADN1
16166362 0 Prepay 360 ADN1
16166363 60 No_PP 360 ADN1
16166369 60 Prepay 360 ADN1
16166370 60 No_PP 360 ADN1
16166371 60 No_PP 360 ADN1
16166373 60 No_PP 360 ADN1
16166376 60 No_PP 360 ADN1
16166401 60 No_PP 360 ADN1
16166402 60 No_PP 360 ADN1
16166405 0 No_PP 360 ADN1
16166408 60 No_PP 360 ADN1
16166409 0 Prepay 360 ADN1
16166410 60 No_PP 360 ADN1
16166412 60 Prepay 360 ADN1
16166284 0 Prepay 360 ADN1
16166287 60 No_PP 360 ADN1
16166292 60 No_PP 360 ADN1
16166293 0 No_PP 360 ADN1
16166294 60 No_PP 360 ADN1
16166300 60 Prepay 360 ADN1
16166302 60 Prepay 360 ADN1
16166316 60 Prepay 360 ADN1
16166096 60 No_PP 360 ADN1
16166099 60 No_PP 360 ADN1
16166103 60 No_PP 360 ADN1
16166105 60 No_PP 360 ADN1
16166111 60 No_PP 360 ADN1
16166114 60 Prepay 360 ADN1
16166117 60 No_PP 360 ADN1
16166131 60 No_PP 360 ADN1
16166132 0 No_PP 360 ADN1
16166133 60 No_PP 360 ADN1
16166139 60 No_PP 360 ADN1
16166144 60 No_PP 360 ADN1
16166171 60 No_PP 360 ADN1
16166172 60 Prepay 360 ADN1
16166173 60 No_PP 360 ADN1
16166174 60 No_PP 360 ADN1
16166181 60 No_PP 360 ADN1
16166184 0 No_PP 360 ADN1
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16166195 60 No_PP 360 ADN1
16166196 60 No_PP 360 ADN1
16166205 60 No_PP 360 ADN1
16166210 60 No_PP 360 ADN1
16166211 60 No_PP 360 ADN1
16166212 60 No_PP 360 ADN1
16166214 60 No_PP 360 ADN1
16166215 60 No_PP 360 ADN1
16166219 60 No_PP 360 ADN1
16166222 60 No_PP 360 ADN1
16166229 60 No_PP 360 ADN1
16166230 60 No_PP 360 ADN1
16166239 0 No_PP 360 ADN1
16166243 60 No_PP 360 ADN1
16166244 60 No_PP 360 ADN1
16166258 60 Prepay 360 ADN1
16166261 60 No_PP 360 ADN1
16166262 0 No_PP 360 ADN1
16166264 60 No_PP 360 ADN1
16166265 0 No_PP 360 ADN1
16166070 60 No_PP 360 ADN1
16166071 0 No_PP 360 ADN1
16166073 60 No_PP 360 ADN1
16166077 60 No_PP 360 ADN1
16166079 60 No_PP 360 ADN1
16166085 60 Prepay 360 ADN1
16166087 60 Prepay 360 ADN1
16166093 60 No_PP 360 ADN1
16184179 84 No_PP 360 ADN1
16184180 84 No_PP 360 ADN1
16184181 84 No_PP 360 ADN1
16184183 84 No_PP 360 ADN1
16184184 84 No_PP 360 ADN1
16184185 84 No_PP 360 ADN1
16184186 0 No_PP 360 ADN1
16184187 84 No_PP 360 ADN1
16184188 84 No_PP 360 ADN1
16184189 0 No_PP 360 ADN1
16184191 120 Prepay 360 ADN1
16184193 84 Prepay 360 ADN1
16184195 84 No_PP 360 ADN1
16184196 84 No_PP 360 ADN1
16184198 84 No_PP 360 ADN1
16184199 84 No_PP 360 ADN1
16184200 84 No_PP 360 ADN1
16184202 84 No_PP 360 ADN1
16184203 84 No_PP 360 ADN1
16184204 84 No_PP 360 ADN1
16184205 84 No_PP 360 ADN1
16184209 0 Prepay 360 ADN1
16184212 84 No_PP 360 ADN1
16184214 0 No_PP 360 ADN1
16184217 0 No_PP 360 ADN1
16184218 84 No_PP 360 ADN1
16184219 84 No_PP 360 ADN1
16184220 84 Prepay 360 ADN1
16184221 84 No_PP 360 ADN1
16184223 84 Prepay 360 ADN1
16184224 84 Prepay 360 ADN1
16184225 84 No_PP 360 ADN1
16184226 84 No_PP 360 ADN1
16184227 84 No_PP 360 ADN1
16184228 0 No_PP 360 ADN1
16184229 84 No_PP 360 ADN1
16184230 0 Prepay 360 ADN1
16184232 84 No_PP 360 ADN1
16184234 84 No_PP 360 ADN1
16184236 84 No_PP 360 ADN1
16184239 84 No_PP 360 ADN1
16184241 84 Prepay 360 ADN1
16184245 84 No_PP 360 ADN1
16184257 84 No_PP 360 ADN1
16184259 120 No_PP 360 ADN1
16184262 0 No_PP 360 ADN1
16184265 84 Prepay 360 ADN1
16184266 84 No_PP 360 ADN1
16184268 120 No_PP 360 ADN1
16184176 0 No_PP 360 ADN1
16184177 0 No_PP 360 ADN1
16166799 84 No_PP 360 ADN1
16166800 84 No_PP 360 ADN1
16166802 84 No_PP 360 ADN1
16166756 84 Prepay 360 ADN1
16166760 84 Prepay 360 ADN1
16166764 84 No_PP 360 ADN1
16166785 0 No_PP 360 ADN1
16166739 0 No_PP 360 ADN1
16166620 84 Prepay 360 ADN1
16166624 84 Prepay 360 ADN1
16166626 84 No_PP 360 ADN1
16166646 0 No_PP 360 ADN1
16166673 0 No_PP 360 ADN1
16166674 84 No_PP 360 ADN1
16166675 84 No_PP 360 ADN1
16166687 84 No_PP 360 ADN1
16166731 84 No_PP 360 ADN1
16166594 84 No_PP 360 ADN1
16166599 84 No_PP 360 ADN1
16166600 84 Prepay 360 ADN1
16166573 120 No_PP 360 ADN1
16166581 0 Prepay 360 ADN1
16166453 0 Prepay 360 ADN1
16166465 0 Prepay 360 ADN1
16166466 84 No_PP 360 ADN1
16166468 84 No_PP 360 ADN1
16166484 84 Prepay 360 ADN1
16166485 0 No_PP 360 ADN1
16166487 84 Prepay 360 ADN1
16166489 84 Prepay 360 ADN1
16166490 84 Prepay 360 ADN1
16166496 84 Prepay 360 ADN1
16166506 120 No_PP 360 ADN1
16166507 120 No_PP 360 ADN1
16166512 84 Prepay 360 ADN1
16166517 84 No_PP 360 ADN1
16166529 84 No_PP 360 ADN1
16166537 0 No_PP 360 ADN1
16166558 120 No_PP 360 ADN1
16166559 120 Prepay 360 ADN1
16166564 0 No_PP 360 ADN1
16166420 84 No_PP 360 ADN1
16166427 120 No_PP 360 ADN1
16166429 84 No_PP 360 ADN1
16166432 84 No_PP 360 ADN1
16166434 84 Prepay 360 ADN1
16166446 84 No_PP 360 ADN1
16166448 0 No_PP 360 ADN1
16166452 84 No_PP 360 ADN1
16166324 84 No_PP 360 ADN1
16166330 84 No_PP 360 ADN1
16166332 84 Prepay 360 ADN1
16166333 84 No_PP 360 ADN1
16166342 84 Prepay 360 ADN1
16166346 84 Prepay 360 ADN1
16166348 84 No_PP 360 ADN1
16166351 84 No_PP 360 ADN1
16166352 0 No_PP 360 ADN1
16166358 84 No_PP 360 ADN1
16166360 84 No_PP 360 ADN1
16166368 84 Prepay 360 ADN1
16166374 0 Prepay 360 ADN1
16166375 84 Prepay 360 ADN1
16166381 84 Prepay 360 ADN1
16166383 84 No_PP 360 ADN1
16166391 84 No_PP 360 ADN1
16166393 120 No_PP 360 ADN1
16166399 84 No_PP 360 ADN1
16166271 120 No_PP 360 ADN1
16166272 84 No_PP 360 ADN1
16166274 84 No_PP 360 ADN1
16166278 84 Prepay 360 ADN1
16166281 0 No_PP 360 ADN1
16166288 84 No_PP 360 ADN1
16166304 84 No_PP 360 ADN1
16166305 84 No_PP 360 ADN1
16166306 84 Prepay 360 ADN1
16166308 0 No_PP 360 ADN1
16166311 84 No_PP 360 ADN1
16166317 120 Prepay 360 ADN1
16166100 84 No_PP 360 ADN1
16166109 84 No_PP 360 ADN1
16166118 84 No_PP 360 ADN1
16166123 84 No_PP 360 ADN1
16166126 84 No_PP 360 ADN1
16166129 84 No_PP 360 ADN1
16166137 84 No_PP 360 ADN1
16166141 84 No_PP 360 ADN1
16166157 84 No_PP 360 ADN1
16166166 84 Prepay 360 ADN1
16166177 84 No_PP 360 ADN1
16166180 84 No_PP 360 ADN1
16166182 84 No_PP 360 ADN1
16166185 84 No_PP 360 ADN1
16166187 84 No_PP 360 ADN1
16166193 0 No_PP 360 ADN1
16166198 84 No_PP 360 ADN1
16166199 84 No_PP 360 ADN1
16166221 84 No_PP 360 ADN1
16166224 84 No_PP 360 ADN1
16166227 84 No_PP 360 ADN1
16166233 84 No_PP 360 ADN1
16166236 0 No_PP 360 ADN1
16166251 84 No_PP 360 ADN1
16166254 84 No_PP 360 ADN1
16166263 84 No_PP 360 ADN1
16166266 84 No_PP 360 ADN1
16166078 84 No_PP 360 ADN1
16166082 84 No_PP 360 ADN1
16166089 84 Prepay 360 ADN1
16177241 60 No_PP 360 ADN1
16177242 60 No_PP 360 ADN1
16177243 60 No_PP 360 ADN1
16177244 60 Prepay 360 ADN1
16177245 0 No_PP 360 ADN1
16177220 0 No_PP 360 ADN1
16177221 60 Prepay 360 ADN1
16177222 120 Prepay 360 ADN1
16177223 60 No_PP 360 ADN1
16177224 60 No_PP 360 ADN1
16177225 60 No_PP 360 ADN1
16177226 60 No_PP 360 ADN1
16177227 60 No_PP 360 ADN1
16177228 60 No_PP 360 ADN1
16177229 60 No_PP 360 ADN1
16177230 60 Prepay 360 ADN1
16177231 60 Prepay 360 ADN1
16177232 60 Prepay 360 ADN1
16177233 60 No_PP 360 ADN1
16177234 60 Prepay 360 ADN1
16177235 120 Prepay 360 ADN1
16177236 120 Prepay 360 ADN1
16177237 60 No_PP 360 ADN1
16177238 60 No_PP 360 ADN1
16177239 0 No_PP 360 ADN1
16177240 60 No_PP 360 ADN1
16177210 60 No_PP 360 ADN1
16177211 60 No_PP 360 ADN1
16177212 60 No_PP 360 ADN1
16177213 0 No_PP 360 ADN1
16177214 60 Prepay 360 ADN1
16177215 60 No_PP 360 ADN1
16177216 60 No_PP 360 ADN1
16177217 0 No_PP 360 ADN1
16177218 60 No_PP 360 ADN1
16177219 60 No_PP 360 ADN1
16177170 60 No_PP 360 ADN1
16177171 60 No_PP 360 ADN1
16177172 60 No_PP 360 ADN1
16177173 60 No_PP 360 ADN1
16177174 60 No_PP 360 ADN1
16177175 0 No_PP 360 ADN1
16177176 60 Prepay 360 ADN1
16177177 60 Prepay 360 ADN1
16177178 0 No_PP 360 ADN1
16177179 60 No_PP 360 ADN1
16177180 60 Prepay 360 ADN1
16177181 120 Prepay 360 ADN1
16177182 0 No_PP 360 ADN1
16177183 60 Prepay 360 ADN1
16177184 0 Prepay 360 ADN1
16177185 0 Prepay 360 ADN1
16177186 60 No_PP 360 ADN1
16177187 120 No_PP 360 ADN1
16177188 120 Prepay 360 ADN1
16177189 120 No_PP 360 ADN1
16177190 60 Prepay 360 ADN1
16177191 60 No_PP 360 ADN1
16177192 60 No_PP 360 ADN1
16177193 60 No_PP 360 ADN1
16177194 60 Prepay 360 ADN1
16177195 60 No_PP 360 ADN1
16177196 0 Prepay 360 ADN1
16177197 60 No_PP 360 ADN1
16177198 60 No_PP 360 ADN1
16177199 60 No_PP 360 ADN1
16177165 60 Prepay 360 ADN1
16177166 60 No_PP 360 ADN1
16177167 60 No_PP 360 ADN1
16177168 60 No_PP 360 ADN1
16177169 60 No_PP 360 ADN1
16177113 60 No_PP 360 ADN1
16177114 60 No_PP 360 ADN1
16177115 60 No_PP 360 ADN1
16177116 0 No_PP 360 ADN1
16177117 60 No_PP 360 ADN1
16177118 60 No_PP 360 ADN1
16177119 60 No_PP 360 ADN1
16177120 60 No_PP 360 ADN1
16177121 60 No_PP 360 ADN1
16177122 60 No_PP 360 ADN1
16177123 60 No_PP 360 ADN1
16177124 60 No_PP 360 ADN1
16177125 60 No_PP 360 ADN1
16177126 60 No_PP 360 ADN1
16177127 60 No_PP 360 ADN1
16177128 60 No_PP 360 ADN1
16177129 60 No_PP 360 ADN1
16177130 60 No_PP 360 ADN1
16177131 60 No_PP 360 ADN1
16177132 60 No_PP 360 ADN1
16177133 60 No_PP 360 ADN1
16177134 0 No_PP 360 ADN1
16177135 60 No_PP 360 ADN1
16177136 60 No_PP 360 ADN1
16177137 60 Prepay 360 ADN1
16177138 60 No_PP 360 ADN1
16177139 60 No_PP 360 ADN1
16177140 60 No_PP 360 ADN1
16177141 0 No_PP 360 ADN1
16177142 60 No_PP 360 ADN1
16177143 0 No_PP 360 ADN1
16177144 60 No_PP 360 ADN1
16177145 60 No_PP 360 ADN1
16177146 60 Prepay 360 ADN1
16177147 60 No_PP 360 ADN1
16177148 0 No_PP 360 ADN1
16177110 60 No_PP 360 ADN1
16177111 60 Prepay 360 ADN1
16177112 60 No_PP 360 ADN1
16177149 60 No_PP 360 ADN1
16177150 0 No_PP 360 ADN1
16177152 60 Prepay 360 ADN1
16177153 0 Prepay 360 ADN1
16177154 60 No_PP 360 ADN1
16177155 0 No_PP 360 ADN1
16177157 60 No_PP 360 ADN1
16177158 60 Prepay 360 ADN1
16177159 60 No_PP 360 ADN1
16177160 60 Prepay 360 ADN1
16177161 60 Prepay 360 ADN1
16177162 0 No_PP 360 ADN1
16177163 60 Prepay 360 ADN1
16177164 60 No_PP 360 ADN1
16177100 60 No_PP 360 ADN1
16177101 60 No_PP 360 ADN1
16177102 60 No_PP 360 ADN1
16177103 60 No_PP 360 ADN1
16177104 60 No_PP 360 ADN1
16177105 0 No_PP 360 ADN1
16177106 0 No_PP 360 ADN1
16177107 0 No_PP 360 ADN1
16177108 60 No_PP 360 ADN1
16177109 60 No_PP 360 ADN1
16177200 60 No_PP 360 ADN1
16177201 60 Prepay 360 ADN1
16177202 60 No_PP 360 ADN1
16177203 60 No_PP 360 ADN1
16177204 60 No_PP 360 ADN1
16177205 60 No_PP 360 ADN1
16177206 0 No_PP 360 ADN1
16177207 60 No_PP 360 ADN1
16177208 60 No_PP 360 ADN1
16177209 60 No_PP 360 ADN1
16177090 60 No_PP 360 ADN1
16177091 60 No_PP 360 ADN1
16177092 60 Prepay 360 ADN1
16177093 60 Prepay 360 ADN1
16177094 60 Prepay 360 ADN1
16177095 60 No_PP 360 ADN1
16177096 60 No_PP 360 ADN1
16177097 60 No_PP 360 ADN1
16177098 60 No_PP 360 ADN1
16177099 0 No_PP 360 ADN1
16218249 0 No_PP 360 ADN1
16218250 60 Prepay 360 ADN1
16218251 60 No_PP 360 ADN1
16218252 60 Prepay 360 ADN1
16218244 60 No_PP 360 ADN1
16218245 60 No_PP 360 ADN1
16218246 60 Prepay 360 ADN1
16218247 60 No_PP 360 ADN1
16218248 0 Prepay 360 ADN1
16218236 60 No_PP 360 ADN1
16218237 60 No_PP 360 ADN1
16218238 60 Prepay 360 ADN1
16218239 0 Prepay 360 ADN1
16218240 60 No_PP 360 ADN1
16218241 60 No_PP 360 ADN1
16218242 60 Prepay 360 ADN1
16218243 60 No_PP 360 ADN1
16218230 60 Prepay 360 ADN1
16218231 60 No_PP 360 ADN1
16218232 60 No_PP 360 ADN1
16218233 0 No_PP 360 ADN1
16218234 60 Prepay 360 ADN1
16218235 60 Prepay 360 ADN1
16218227 60 No_PP 360 ADN1
16218228 60 Prepay 360 ADN1
16218229 60 No_PP 360 ADN1
16218226 60 Prepay 360 ADN1
16218150 60 Prepay 360 ADN1
16218151 60 Prepay 360 ADN1
16218152 60 Prepay 360 ADN1
16218153 60 No_PP 360 ADN1
16218154 60 Prepay 360 ADN1
16218155 60 Prepay 360 ADN1
16218156 60 Prepay 360 ADN1
16218157 60 No_PP 360 ADN1
16218158 120 No_PP 360 ADN1
16218159 60 No_PP 360 ADN1
16218160 60 No_PP 360 ADN1
16218161 60 Prepay 360 ADN1
16218162 60 Prepay 360 ADN1
16218163 120 No_PP 360 ADN1
16218164 60 No_PP 360 ADN1
16218165 60 Prepay 360 ADN1
16218166 60 No_PP 360 ADN1
16218167 60 No_PP 360 ADN1
16218168 60 No_PP 360 ADN1
16218169 60 No_PP 360 ADN1
16218126 120 No_PP 360 ADN1
16218170 60 Prepay 360 ADN1
16218171 60 No_PP 360 ADN1
16218172 60 No_PP 360 ADN1
16218173 60 No_PP 360 ADN1
16218174 60 No_PP 360 ADN1
16218175 60 No_PP 360 ADN1
16218176 0 No_PP 360 ADN1
16218177 60 Prepay 360 ADN1
16218178 60 Prepay 360 ADN1
16218179 60 Prepay 360 ADN1
16218180 60 Prepay 360 ADN1
16218127 60 No_PP 360 ADN1
16218128 60 No_PP 360 ADN1
16218129 60 No_PP 360 ADN1
16218181 0 No_PP 360 ADN1
16218182 60 No_PP 360 ADN1
16218183 60 Prepay 360 ADN1
16218184 120 No_PP 360 ADN1
16218185 0 No_PP 360 ADN1
16218130 120 No_PP 360 ADN1
16218131 60 No_PP 360 ADN1
16218132 60 No_PP 360 ADN1
16218186 0 Prepay 360 ADN1
16218187 60 Prepay 360 ADN1
16218188 120 Prepay 360 ADN1
16218189 60 No_PP 360 ADN1
16218190 60 No_PP 360 ADN1
16218191 60 Prepay 360 ADN1
16218192 60 Prepay 360 ADN1
16218193 60 No_PP 360 ADN1
16218194 60 No_PP 360 ADN1
16218195 60 No_PP 360 ADN1
16218196 0 No_PP 360 ADN1
16218197 60 Prepay 360 ADN1
16218198 60 No_PP 360 ADN1
16218199 60 No_PP 360 ADN1
16218133 60 No_PP 360 ADN1
16218134 60 No_PP 360 ADN1
16218135 0 No_PP 360 ADN1
16218136 60 No_PP 360 ADN1
16218137 60 No_PP 360 ADN1
16218138 60 No_PP 360 ADN1
16218139 60 No_PP 360 ADN1
16218140 60 No_PP 360 ADN1
16218141 0 No_PP 360 ADN1
16218142 60 No_PP 360 ADN1
16218143 60 No_PP 360 ADN1
16218144 60 No_PP 360 ADN1
16218145 60 No_PP 360 ADN1
16218146 0 Prepay 360 ADN1
16218147 0 Prepay 360 ADN1
16218148 0 No_PP 360 ADN1
16218149 60 Prepay 360 ADN1
16218100 60 No_PP 360 ADN1
16218101 60 No_PP 360 ADN1
16218102 60 No_PP 360 ADN1
16218103 60 No_PP 360 ADN1
16218104 60 No_PP 360 ADN1
16218105 60 No_PP 360 ADN1
16218106 60 No_PP 360 ADN1
16218113 0 No_PP 360 ADN1
16218114 60 No_PP 360 ADN1
16218115 60 No_PP 360 ADN1
16218116 60 No_PP 360 ADN1
16218117 60 No_PP 360 ADN1
16218118 60 No_PP 360 ADN1
16218119 60 No_PP 360 ADN1
16218107 0 No_PP 360 ADN1
16218108 60 No_PP 360 ADN1
16218109 60 No_PP 360 ADN1
16218120 0 No_PP 360 ADN1
16218121 60 No_PP 360 ADN1
16218122 0 No_PP 360 ADN1
16218123 60 No_PP 360 ADN1
16218124 60 No_PP 360 ADN1
16218125 60 No_PP 360 ADN1
16218110 60 No_PP 360 ADN1
16218111 60 No_PP 360 ADN1
16218112 60 No_PP 360 ADN1
16218083 60 No_PP 360 ADN1
16218084 60 Prepay 360 ADN1
16218085 60 No_PP 360 ADN1
16218086 60 No_PP 360 ADN1
16218087 60 Prepay 360 ADN1
16218088 60 No_PP 360 ADN1
16218089 60 No_PP 360 ADN1
16218090 0 No_PP 360 ADN1
16218091 0 No_PP 360 ADN1
16218092 60 No_PP 360 ADN1
16218093 0 No_PP 360 ADN1
16218094 60 No_PP 360 ADN1
16218095 60 No_PP 360 ADN1
16218096 60 No_PP 360 ADN1
16218097 60 No_PP 360 ADN1
16218098 60 No_PP 360 ADN1
16218099 60 No_PP 360 ADN1
16218300 60 No_PP 360 ADN1
16218301 60 No_PP 360 ADN1
16218302 60 Prepay 360 ADN1
16218303 60 Prepay 360 ADN1
16218304 60 Prepay 360 ADN1
16218305 60 No_PP 360 ADN1
16218306 60 Prepay 360 ADN1
16218307 0 Prepay 360 ADN1
16218308 60 No_PP 360 ADN1
16218309 60 No_PP 360 ADN1
16218310 60 Prepay 360 ADN1
16218311 60 No_PP 360 ADN1
16218312 60 Prepay 360 ADN1
16218313 60 No_PP 360 ADN1
16218314 60 No_PP 360 ADN1
16218315 0 Prepay 360 ADN1
16218316 60 No_PP 360 ADN1
16218317 60 Prepay 360 ADN1
16218318 60 No_PP 360 ADN1
16218319 60 No_PP 360 ADN1
16218320 60 No_PP 360 ADN1
16218321 60 Prepay 360 ADN1
16218322 60 No_PP 360 ADN1
16218323 60 Prepay 360 ADN1
16218324 60 No_PP 360 ADN1
16218325 60 Prepay 360 ADN1
16218326 60 No_PP 360 ADN1
16218327 60 No_PP 360 ADN1
16218328 60 No_PP 360 ADN1
16218329 60 Prepay 360 ADN1
16218330 60 No_PP 360 ADN1
16218331 60 No_PP 360 ADN1
16218332 60 No_PP 360 ADN1
16218220 0 No_PP 360 ADN1
16218221 60 No_PP 360 ADN1
16218222 60 Prepay 360 ADN1
16218223 0 Prepay 360 ADN1
16218224 60 No_PP 360 ADN1
16218225 60 Prepay 360 ADN1
16218200 60 No_PP 360 ADN1
16218201 0 No_PP 360 ADN1
16218202 60 Prepay 360 ADN1
16218203 60 No_PP 360 ADN1
16218204 60 Prepay 360 ADN1
16218205 60 No_PP 360 ADN1
16218206 0 No_PP 360 ADN1
16218207 60 No_PP 360 ADN1
16218208 60 No_PP 360 ADN1
16218209 60 No_PP 360 ADN1
16218210 60 No_PP 360 ADN1
16218211 60 No_PP 360 ADN1
16218212 60 Prepay 360 ADN1
16218213 60 No_PP 360 ADN1
16218214 60 No_PP 360 ADN1
16218215 60 Prepay 360 ADN1
16218216 60 No_PP 360 ADN1
16218217 60 No_PP 360 ADN1
16218218 60 Prepay 360 ADN1
16218256 60 No_PP 360 ADN1
16218257 60 Prepay 360 ADN1
16218258 60 No_PP 360 ADN1
16218259 60 Prepay 360 ADN1
16218260 0 No_PP 360 ADN1
16218261 60 No_PP 360 ADN1
16218262 60 No_PP 360 ADN1
16218263 60 Prepay 360 ADN1
16218264 60 Prepay 360 ADN1
16218265 60 Prepay 360 ADN1
16218266 60 Prepay 360 ADN1
16218267 60 No_PP 360 ADN1
16218268 0 Prepay 360 ADN1
16218269 120 Prepay 360 ADN1
16218253 60 No_PP 360 ADN1
16218270 60 Prepay 360 ADN1
16218271 60 Prepay 360 ADN1
16218272 60 No_PP 360 ADN1
16218273 0 No_PP 360 ADN1
16218274 60 Prepay 360 ADN1
16218275 60 Prepay 360 ADN1
16218276 60 No_PP 360 ADN1
16218277 60 No_PP 360 ADN1
16218278 60 No_PP 360 ADN1
16218279 120 No_PP 360 ADN1
16218280 0 No_PP 360 ADN1
16218281 60 Prepay 360 ADN1
16218282 60 No_PP 360 ADN1
16218283 0 Prepay 360 ADN1
16218284 60 No_PP 360 ADN1
16218285 60 No_PP 360 ADN1
16218286 60 No_PP 360 ADN1
16218287 60 Prepay 360 ADN1
16218288 120 No_PP 360 ADN1
16218289 0 No_PP 360 ADN1
16218290 60 Prepay 360 ADN1
16218291 60 No_PP 360 ADN1
16218292 60 No_PP 360 ADN1
16218293 60 No_PP 360 ADN1
16218294 60 No_PP 360 ADN1
16218295 120 Prepay 360 ADN1
16218296 60 Prepay 360 ADN1
16218297 60 Prepay 360 ADN1
16218298 60 No_PP 360 ADN1
16218299 60 No_PP 360 ADN1
16218254 60 Prepay 360 ADN1
16218255 0 No_PP 360 ADN1
16199805 0 Prepay 360 ADN1
16199806 0 Prepay 360 ADN1
16199807 120 Prepay 360 ADN1
16199808 0 No_PP 360 ADN1
16199809 120 Prepay 360 ADN1
16199810 120 Prepay 360 ADN1
16199811 120 Prepay 360 ADN1
16199812 120 No_PP 360 ADN1
16199813 120 Prepay 360 ADN1
16199814 120 Prepay 360 ADN1
16199815 120 No_PP 360 ADN1
16199816 120 No_PP 360 ADN1
16199817 120 Prepay 360 ADN1
16199818 0 Prepay 360 ADN1
16199819 120 No_PP 360 ADN1
16199820 120 No_PP 360 ADN1
16199821 120 No_PP 360 ADN1
16199822 120 Prepay 360 ADN1
16199823 120 Prepay 360 ADN1
16199824 120 No_PP 360 ADN1
16199825 120 Prepay 360 ADN1
16199826 120 No_PP 360 ADN1
16199827 0 Prepay 360 ADN1
16199829 0 No_PP 360 ADN1
16199830 0 Prepay 360 ADN1
16199831 120 No_PP 360 ADN1
16199832 120 Prepay 360 ADN1
16199833 120 Prepay 360 ADN1
16199834 120 Prepay 360 ADN1
16199835 120 Prepay 360 ADN1
16199836 120 Prepay 360 ADN1
16199837 120 No_PP 360 ADN1
16199838 120 No_PP 360 ADN1
16199839 120 No_PP 360 ADN1
16199840 0 Prepay 360 ADN1
16199841 120 No_PP 360 ADN1
16199842 120 Prepay 360 ADN1
16199843 120 Prepay 360 ADN1
16199844 120 Prepay 360 ADN1
16199845 120 Prepay 360 ADN1
16199846 0 Prepay 360 ADN1
16199847 120 Prepay 360 ADN1
16199848 0 Prepay 360 ADN1
16199849 120 No_PP 360 ADN1
16199850 120 Prepay 360 ADN1
16199851 120 Prepay 360 ADN1
16199852 120 No_PP 360 ADN1
16199853 120 No_PP 360 ADN1
16199854 0 No_PP 360 ADN1
16199855 0 No_PP 360 ADN1
16199795 120 No_PP 360 ADN1
16199796 120 Prepay 360 ADN1
16199797 120 Prepay 360 ADN1
16199798 120 No_PP 360 ADN1
16199799 120 Prepay 360 ADN1
16199705 120 No_PP 360 ADN1
16199706 120 No_PP 360 ADN1
16199707 120 No_PP 360 ADN1
16199708 120 No_PP 360 ADN1
16199709 120 No_PP 360 ADN1
16199710 120 Prepay 360 ADN1
16199711 120 No_PP 360 ADN1
16199712 0 Prepay 360 ADN1
16199713 120 Prepay 360 ADN1
16199714 120 Prepay 360 ADN1
16199715 120 No_PP 360 ADN1
16199716 120 Prepay 360 ADN1
16199717 0 No_PP 360 ADN1
16199718 120 Prepay 360 ADN1
16199719 120 Prepay 360 ADN1
16199700 120 No_PP 360 ADN1
16199701 120 No_PP 360 ADN1
16199702 120 Prepay 360 ADN1
16199703 120 No_PP 360 ADN1
16199704 120 No_PP 360 ADN1
16199787 120 No_PP 360 ADN1
16199788 120 Prepay 360 ADN1
16199789 120 No_PP 360 ADN1
16199790 120 Prepay 360 ADN1
16199791 120 No_PP 360 ADN1
16199792 120 Prepay 360 ADN1
16199793 120 Prepay 360 ADN1
16199794 120 Prepay 360 ADN1
16199690 120 No_PP 360 ADN1
16199691 120 No_PP 360 ADN1
16199692 120 No_PP 360 ADN1
16199693 120 Prepay 360 ADN1
16199694 120 No_PP 360 ADN1
16199695 120 No_PP 360 ADN1
16199696 0 No_PP 360 ADN1
16199697 120 Prepay 360 ADN1
16199698 120 No_PP 360 ADN1
16199699 120 Prepay 360 ADN1
16199680 120 Prepay 360 ADN1
16199681 120 No_PP 360 ADN1
16199682 120 No_PP 360 ADN1
16199683 120 Prepay 360 ADN1
16199684 0 No_PP 360 ADN1
16199685 120 No_PP 360 ADN1
16199686 120 No_PP 360 ADN1
16199687 120 No_PP 360 ADN1
16199688 120 No_PP 360 ADN1
16199689 120 No_PP 360 ADN1
16199663 120 No_PP 360 ADN1
16199664 120 No_PP 360 ADN1
16199665 120 No_PP 360 ADN1
16199666 120 No_PP 360 ADN1
16199667 120 No_PP 360 ADN1
16199668 120 Prepay 360 ADN1
16199669 120 No_PP 360 ADN1
16199670 120 No_PP 360 ADN1
16199671 0 No_PP 360 ADN1
16199672 120 No_PP 360 ADN1
16199673 0 No_PP 360 ADN1
16199674 120 Prepay 360 ADN1
16199675 120 No_PP 360 ADN1
16199676 120 No_PP 360 ADN1
16199677 120 No_PP 360 ADN1
16199678 120 Prepay 360 ADN1
16199679 120 Prepay 360 ADN1
16199753 0 Prepay 360 ADN1
16199754 0 Prepay 360 ADN1
16199760 120 Prepay 360 ADN1
16199762 120 Prepay 360 ADN1
16199763 120 Prepay 360 ADN1
16199764 0 No_PP 360 ADN1
16199765 120 No_PP 360 ADN1
16199766 120 Prepay 360 ADN1
16199767 120 Prepay 360 ADN1
16199768 120 No_PP 360 ADN1
16199769 120 No_PP 360 ADN1
16199770 120 Prepay 360 ADN1
16199771 0 Prepay 360 ADN1
16199772 120 Prepay 360 ADN1
16199773 120 No_PP 360 ADN1
16199774 120 No_PP 360 ADN1
16199775 0 No_PP 360 ADN1
16199776 120 Prepay 360 ADN1
16199777 120 No_PP 360 ADN1
16199778 120 Prepay 360 ADN1
16199779 120 No_PP 360 ADN1
16199780 120 No_PP 360 ADN1
16199781 120 Prepay 360 ADN1
16199782 120 No_PP 360 ADN1
16199783 120 No_PP 360 ADN1
16199784 0 Prepay 360 ADN1
16199785 0 No_PP 360 ADN1
16199786 120 Prepay 360 ADN1
16199755 120 No_PP 360 ADN1
16199756 120 Prepay 360 ADN1
16199757 120 Prepay 360 ADN1
16199758 120 No_PP 360 ADN1
16199759 120 No_PP 360 ADN1
16199632 120 No_PP 360 ADN1
16199633 0 No_PP 360 ADN1
16199634 120 No_PP 360 ADN1
16199635 120 No_PP 360 ADN1
16199636 120 Prepay 360 ADN1
16199637 120 No_PP 360 ADN1
16199638 120 No_PP 360 ADN1
16199639 120 No_PP 360 ADN1
16199640 120 No_PP 360 ADN1
16199641 0 Prepay 360 ADN1
16199642 120 No_PP 360 ADN1
16199643 120 Prepay 360 ADN1
16199644 120 Prepay 360 ADN1
16199645 120 Prepay 360 ADN1
16199646 120 Prepay 360 ADN1
16199647 120 No_PP 360 ADN1
16199648 120 No_PP 360 ADN1
16199649 120 No_PP 360 ADN1
16199650 120 Prepay 360 ADN1
16199651 120 No_PP 360 ADN1
16199652 120 No_PP 360 ADN1
16199653 120 No_PP 360 ADN1
16199654 120 No_PP 360 ADN1
16199655 120 No_PP 360 ADN1
16199656 120 Prepay 360 ADN1
16199657 120 No_PP 360 ADN1
16199658 120 No_PP 360 ADN1
16199659 0 No_PP 360 ADN1
16199660 120 No_PP 360 ADN1
16199661 120 No_PP 360 ADN1
16199662 0 No_PP 360 ADN1
16199723 0 No_PP 360 ADN1
16199724 120 No_PP 360 ADN1
16199725 120 No_PP 360 ADN1
16199726 120 Prepay 360 ADN1
16199727 120 Prepay 360 ADN1
16199728 120 Prepay 360 ADN1
16199729 120 Prepay 360 ADN1
16199730 0 Prepay 360 ADN1
16199731 120 Prepay 360 ADN1
16199732 120 No_PP 360 ADN1
16199733 120 No_PP 360 ADN1
16199734 120 Prepay 360 ADN1
16199735 120 Prepay 360 ADN1
16199736 120 Prepay 360 ADN1
16199737 120 Prepay 360 ADN1
16199738 120 Prepay 360 ADN1
16199739 120 Prepay 360 ADN1
16199740 120 No_PP 360 ADN1
16199741 120 Prepay 360 ADN1
16199742 120 Prepay 360 ADN1
16199743 120 Prepay 360 ADN1
16199744 120 Prepay 360 ADN1
16199745 120 Prepay 360 ADN1
16199746 120 No_PP 360 ADN1
16199747 120 Prepay 360 ADN1
16199748 120 No_PP 360 ADN1
16199749 120 Prepay 360 ADN1
16199750 120 Prepay 360 ADN1
16199751 120 Prepay 360 ADN1
16199752 120 Prepay 360 ADN1
16199720 120 Prepay 360 ADN1
16199721 120 Prepay 360 ADN1
16199722 120 No_PP 360 ADN1
16232382 120 Prepay 360 ADN1
16199856 120 Prepay 360 ADN1
16199857 120 Prepay 360 ADN1
16199800 0 Prepay 360 ADN1
16199801 120 Prepay 360 ADN1
16199802 120 Prepay 360 ADN1
16199803 120 Prepay 360 ADN1
16199804 120 Prepay 360 ADN1
16218700 84 No_PP 360 ADN1
16218701 84 Prepay 360 ADN1
16218702 84 No_PP 360 ADN1
16218703 84 No_PP 360 ADN1
16218704 120 No_PP 360 ADN1
16218705 84 No_PP 360 ADN1
16218706 84 Prepay 360 ADN1
16218707 84 No_PP 360 ADN1
16218708 0 Prepay 360 ADN1
16218709 84 No_PP 360 ADN1
16218710 84 No_PP 360 ADN1
16218711 84 No_PP 360 ADN1
16218712 84 No_PP 360 ADN1
16218713 84 No_PP 360 ADN1
16218714 84 No_PP 360 ADN1
16218715 84 No_PP 360 ADN1
16218716 84 No_PP 360 ADN1
16218717 84 Prepay 360 ADN1
16218718 84 No_PP 360 ADN1
16218719 84 No_PP 360 ADN1
16218720 84 Prepay 360 ADN1
16218721 84 No_PP 360 ADN1
16218722 84 No_PP 360 ADN1
16218723 84 No_PP 360 ADN1
16218724 84 No_PP 360 ADN1
16218725 84 No_PP 360 ADN1
16218624 84 No_PP 360 ADN1
16218625 84 No_PP 360 ADN1
16218626 84 No_PP 360 ADN1
16218627 84 No_PP 360 ADN1
16218628 84 No_PP 360 ADN1
16218629 84 No_PP 360 ADN1
16218630 84 No_PP 360 ADN1
16218631 84 No_PP 360 ADN1
16218632 84 Prepay 360 ADN1
16218633 84 No_PP 360 ADN1
16218634 84 No_PP 360 ADN1
16218635 84 No_PP 360 ADN1
16218636 84 No_PP 360 ADN1
16218637 84 No_PP 360 ADN1
16218638 84 No_PP 360 ADN1
16218639 84 Prepay 360 ADN1
16218640 84 Prepay 360 ADN1
16218641 84 No_PP 360 ADN1
16218642 0 Prepay 360 ADN1
16218643 84 No_PP 360 ADN1
16218644 84 Prepay 360 ADN1
16218645 84 No_PP 360 ADN1
16218646 84 No_PP 360 ADN1
16218647 84 No_PP 360 ADN1
16218648 84 Prepay 360 ADN1
16218649 84 Prepay 360 ADN1
16218650 0 No_PP 360 ADN1
16218651 0 No_PP 360 ADN1
16218652 84 No_PP 360 ADN1
16218653 0 No_PP 360 ADN1
16218654 84 No_PP 360 ADN1
16218655 84 No_PP 360 ADN1
16218656 84 Prepay 360 ADN1
16218657 84 No_PP 360 ADN1
16218658 84 Prepay 360 ADN1
16218659 84 Prepay 360 ADN1
16218660 84 No_PP 360 ADN1
16218661 84 Prepay 360 ADN1
16218662 0 Prepay 360 ADN1
16218663 84 Prepay 360 ADN1
16218664 84 No_PP 360 ADN1
16218665 84 No_PP 360 ADN1
16218666 0 No_PP 360 ADN1
16218667 0 No_PP 360 ADN1
16218668 84 No_PP 360 ADN1
16218669 84 Prepay 360 ADN1
16218670 84 No_PP 360 ADN1
16218671 0 No_PP 360 ADN1
16218672 84 No_PP 360 ADN1
16218673 84 No_PP 360 ADN1
16218674 0 Prepay 360 ADN1
16218675 84 No_PP 360 ADN1
16218676 84 No_PP 360 ADN1
16218677 84 No_PP 360 ADN1
16218678 84 No_PP 360 ADN1
16218679 84 No_PP 360 ADN1
16218680 0 No_PP 360 ADN1
16218681 84 No_PP 360 ADN1
16218682 84 No_PP 360 ADN1
16218683 84 Prepay 360 ADN1
16218684 0 Prepay 360 ADN1
16218685 84 No_PP 360 ADN1
16218686 0 No_PP 360 ADN1
16218687 84 No_PP 360 ADN1
16218688 84 No_PP 360 ADN1
16218689 84 No_PP 360 ADN1
16218690 84 No_PP 360 ADN1
16218691 84 No_PP 360 ADN1
16218692 84 No_PP 360 ADN1
16218693 0 No_PP 360 ADN1
16218694 84 Prepay 360 ADN1
16218695 84 No_PP 360 ADN1
16218696 84 Prepay 360 ADN1
16218697 84 No_PP 360 ADN1
16218608 84 No_PP 360 ADN1
16218609 84 No_PP 360 ADN1
16218698 84 No_PP 360 ADN1
16218699 84 No_PP 360 ADN1
16223053 84 No_PP 360 ADN1
16223054 84 No_PP 360 ADN1
16223055 84 No_PP 360 ADN1
16223056 84 No_PP 360 ADN1
16223057 84 No_PP 360 ADN1
16223058 84 No_PP 360 ADN1
16223059 84 No_PP 360 ADN1
16218610 120 No_PP 360 ADN1
16218611 84 No_PP 360 ADN1
16218612 120 No_PP 360 ADN1
16218613 84 No_PP 360 ADN1
16218614 0 Prepay 360 ADN1
16218615 84 No_PP 360 ADN1
16218616 84 No_PP 360 ADN1
16218617 84 No_PP 360 ADN1
16218618 84 Prepay 360 ADN1
16218619 84 Prepay 360 ADN1
16218620 84 No_PP 360 ADN1
16218621 84 No_PP 360 ADN1
16218622 84 No_PP 360 ADN1
16218623 0 No_PP 360 ADN1
16218600 84 No_PP 360 ADN1
16218601 84 No_PP 360 ADN1
16218602 120 Prepay 360 ADN1
16218603 120 No_PP 360 ADN1
16218604 84 No_PP 360 ADN1
16218605 84 Prepay 360 ADN1
16218606 0 No_PP 360 ADN1
16218607 84 No_PP 360 ADN1
16218597 84 No_PP 360 ADN1
16218598 0 No_PP 360 ADN1
16218599 84 No_PP 360 ADN1
16218570 84 No_PP 360 ADN1
16218571 0 No_PP 360 ADN1
16218572 84 No_PP 360 ADN1
16218573 84 Prepay 360 ADN1
16218574 84 No_PP 360 ADN1
16218575 84 No_PP 360 ADN1
16218576 0 No_PP 360 ADN1
16218577 0 No_PP 360 ADN1
16218578 84 No_PP 360 ADN1
16218579 0 No_PP 360 ADN1
16218580 84 No_PP 360 ADN1
16218581 84 No_PP 360 ADN1
16218582 84 No_PP 360 ADN1
16218583 84 No_PP 360 ADN1
16218584 84 Prepay 360 ADN1
16218585 84 No_PP 360 ADN1
16218586 84 No_PP 360 ADN1
16218587 0 No_PP 360 ADN1
16218588 84 No_PP 360 ADN1
16218589 120 Prepay 360 ADN1
16218590 84 No_PP 360 ADN1
16218591 120 No_PP 360 ADN1
16218592 84 No_PP 360 ADN1
16218593 0 No_PP 360 ADN1
16218594 0 No_PP 360 ADN1
16218595 120 No_PP 360 ADN1
16218596 84 No_PP 360 ADN1
16232384 84 No_PP 360 ADN1
16218960 120 Prepay 360 ADN1
16218961 120 Prepay 360 ADN1
16218962 120 Prepay 360 ADN1
16218963 120 Prepay 360 ADN1
16218964 120 No_PP 360 ADN1
16218965 0 No_PP 360 ADN1
16218966 120 Prepay 360 ADN1
16218967 120 No_PP 360 ADN1
16218968 120 Prepay 360 ADN1
16218969 120 Prepay 360 ADN1
16218970 120 Prepay 360 ADN1
16218971 120 No_PP 360 ADN1
16218972 120 Prepay 360 ADN1
16218973 0 No_PP 360 ADN1
16218974 120 Prepay 360 ADN1
16218975 120 Prepay 360 ADN1
16218976 120 No_PP 360 ADN1
16218977 120 No_PP 360 ADN1
16218978 120 Prepay 360 ADN1
16218979 120 No_PP 360 ADN1
16218980 120 Prepay 360 ADN1
16218981 120 Prepay 360 ADN1
16218982 120 Prepay 360 ADN1
16218983 120 No_PP 360 ADN1
16218984 120 No_PP 360 ADN1
16218985 120 Prepay 360 ADN1
16218986 120 Prepay 360 ADN1
16218987 120 Prepay 360 ADN1
16218988 120 No_PP 360 ADN1
16218989 120 Prepay 360 ADN1
16218990 120 Prepay 360 ADN1
16218991 120 Prepay 360 ADN1
16218992 120 Prepay 360 ADN1
16218993 120 No_PP 360 ADN1
16218994 120 No_PP 360 ADN1
16218995 120 No_PP 360 ADN1
16218996 120 Prepay 360 ADN1
16218997 120 No_PP 360 ADN1
16218998 120 Prepay 360 ADN1
16218999 120 Prepay 360 ADN1
16218940 120 Prepay 360 ADN1
16218941 120 No_PP 360 ADN1
16218942 120 No_PP 360 ADN1
16218943 120 Prepay 360 ADN1
16218944 120 Prepay 360 ADN1
16218945 0 No_PP 360 ADN1
16218946 120 Prepay 360 ADN1
16218947 120 Prepay 360 ADN1
16218948 120 Prepay 360 ADN1
16218949 120 No_PP 360 ADN1
16218950 120 Prepay 360 ADN1
16218951 120 Prepay 360 ADN1
16218952 120 No_PP 360 ADN1
16218953 120 No_PP 360 ADN1
16218954 120 Prepay 360 ADN1
16218955 120 No_PP 360 ADN1
16218956 120 No_PP 360 ADN1
16218957 120 Prepay 360 ADN1
16218958 120 No_PP 360 ADN1
16218959 120 Prepay 360 ADN1
16218930 120 Prepay 360 ADN1
16218931 120 Prepay 360 ADN1
16218932 120 Prepay 360 ADN1
16218933 0 No_PP 360 ADN1
16218934 120 No_PP 360 ADN1
16218935 120 Prepay 360 ADN1
16218936 120 No_PP 360 ADN1
16218937 120 Prepay 360 ADN1
16218938 120 No_PP 360 ADN1
16218939 120 Prepay 360 ADN1
16218885 120 Prepay 360 ADN1
16218886 120 Prepay 360 ADN1
16218887 120 Prepay 360 ADN1
16218888 120 No_PP 360 ADN1
16218889 120 Prepay 360 ADN1
16218890 120 No_PP 360 ADN1
16218891 120 Prepay 360 ADN1
16218892 120 No_PP 360 ADN1
16218893 120 No_PP 360 ADN1
16218894 120 No_PP 360 ADN1
16218895 120 No_PP 360 ADN1
16218896 0 No_PP 360 ADN1
16218897 120 No_PP 360 ADN1
16218898 120 No_PP 360 ADN1
16218899 120 No_PP 360 ADN1
16218880 120 No_PP 360 ADN1
16218881 0 No_PP 360 ADN1
16218882 120 Prepay 360 ADN1
16218883 120 No_PP 360 ADN1
16218884 120 Prepay 360 ADN1
16218901 120 Prepay 360 ADN1
16218902 120 No_PP 360 ADN1
16218903 120 No_PP 360 ADN1
16218904 120 No_PP 360 ADN1
16218905 120 No_PP 360 ADN1
16218906 120 No_PP 360 ADN1
16218907 120 No_PP 360 ADN1
16218908 120 No_PP 360 ADN1
16218909 0 No_PP 360 ADN1
16218910 120 No_PP 360 ADN1
16218911 120 Prepay 360 ADN1
16218912 120 No_PP 360 ADN1
16218913 120 No_PP 360 ADN1
16218914 120 No_PP 360 ADN1
16218915 120 No_PP 360 ADN1
16218916 120 No_PP 360 ADN1
16218917 120 Prepay 360 ADN1
16218918 120 Prepay 360 ADN1
16218919 120 Prepay 360 ADN1
16218920 120 Prepay 360 ADN1
16218921 0 No_PP 360 ADN1
16218922 120 Prepay 360 ADN1
16218923 120 Prepay 360 ADN1
16218924 120 Prepay 360 ADN1
16218925 0 Prepay 360 ADN1
16218926 120 Prepay 360 ADN1
16218927 120 No_PP 360 ADN1
16218928 120 Prepay 360 ADN1
16218929 120 Prepay 360 ADN1
16218900 120 No_PP 360 ADN1
16219027 120 No_PP 360 ADN1
16219029 120 Prepay 360 ADN1
16219030 120 No_PP 360 ADN1
16219000 120 Prepay 360 ADN1
16219001 120 Prepay 360 ADN1
16219002 120 Prepay 360 ADN1
16219003 120 Prepay 360 ADN1
16219004 120 Prepay 360 ADN1
16219005 0 Prepay 360 ADN1
16219006 0 No_PP 360 ADN1
16219007 120 Prepay 360 ADN1
16219008 120 No_PP 360 ADN1
16219009 120 Prepay 360 ADN1
16219010 0 No_PP 360 ADN1
16219011 120 Prepay 360 ADN1
16219012 120 No_PP 360 ADN1
16219013 120 Prepay 360 ADN1
16219014 120 No_PP 360 ADN1
16219015 120 Prepay 360 ADN1
16219016 120 Prepay 360 ADN1
16219017 120 No_PP 360 ADN1
16219018 120 Prepay 360 ADN1
16219019 120 Prepay 360 ADN1
16219020 120 No_PP 360 ADN1
16219021 120 No_PP 360 ADN1
16219022 120 Prepay 360 ADN1
16219023 120 Prepay 360 ADN1
16219024 120 Prepay 360 ADN1
16219025 120 Prepay 360 ADN1
16219026 120 Prepay 360 ADN1
16132484 120 No_PP 360 ADN1
16132485 60 No_PP 360 ADN1
16132486 60 No_PP 360 ADN1
16132487 60 No_PP 360 ADN1
16132488 60 No_PP 360 ADN1
16132490 120 No_PP 360 ADN1
16132491 84 No_PP 360 ADN1
16132492 0 No_PP 360 ADN1
15830580 0 No_PP 360 ADN1
15830659 0 No_PP 360 ADN1
15830691 0 No_PP 360 ADN1
15830692 60 No_PP 360 ADN1
15830779 60 No_PP 360 ADN1
15830881 120 No_PP 360 ADN1
15830883 120 No_PP 360 ADN1
15830956 0 No_PP 360 ADN1
15830987 120 No_PP 360 ADN1
15831159 60 No_PP 360 ADN1
15831162 60 No_PP 360 ADN1
15831298 0 No_PP 360 ADN1
15831306 0 No_PP 360 ADN1
15831355 0 No_PP 360 ADN1
15831373 60 No_PP 360 ADN1
15831471 60 No_PP 360 ADN1
15831507 0 No_PP 360 ADN1
15831577 60 No_PP 360 ADN1
15831602 60 No_PP 360 ADN1
15831626 120 No_PP 360 ADN1
15831665 60 No_PP 360 ADN1
15831684 60 No_PP 360 ADN1
15831701 60 No_PP 360 ADN1
16019791 120 No_PP 360 ADN1
16019841 0 No_PP 360 ADN1
16019844 60 No_PP 360 ADN1
16020328 60 No_PP 360 ADN1
16020419 0 No_PP 360 ADN1
16020619 60 No_PP 360 ADN1
16020700 0 No_PP 360 ADN1
16020753 0 No_PP 360 ADN1
16020805 120 No_PP 360 ADN1
16020911 60 No_PP 360 ADN1
16166788 60 No_PP 360 ADN1
16166791 60 No_PP 360 ADN1
16166795 60 No_PP 360 ADN1
16166796 60 No_PP 360 ADN1
16166748 120 No_PP 360 ADN1
16166762 60 No_PP 360 ADN1
16166772 60 No_PP 360 ADN1
16166776 120 No_PP 360 ADN1
16166781 60 No_PP 360 ADN1
16166782 60 No_PP 360 ADN1
16166787 60 Prepay 360 ADN1
16166737 60 No_PP 360 ADN1
16166621 60 Prepay 360 ADN1
16166639 60 No_PP 360 ADN1
16166641 60 No_PP 360 ADN1
16166645 60 No_PP 360 ADN1
16166660 60 No_PP 360 ADN1
16166664 60 Prepay 360 ADN1
16166666 60 No_PP 360 ADN1
16166669 60 No_PP 360 ADN1
16166670 60 No_PP 360 ADN1
16166672 60 No_PP 360 ADN1
16166679 60 No_PP 360 ADN1
16166682 60 No_PP 360 ADN1
16166683 60 Prepay 360 ADN1
16166686 0 No_PP 360 ADN1
16166689 60 Prepay 360 ADN1
16166695 60 No_PP 360 ADN1
16166698 60 No_PP 360 ADN1
16166702 60 No_PP 360 ADN1
16166711 0 No_PP 360 ADN1
16166716 60 No_PP 360 ADN1
16166725 60 No_PP 360 ADN1
16166729 0 No_PP 360 ADN1
16166616 60 Prepay 360 ADN1
16166593 60 No_PP 360 ADN1
16166595 60 Prepay 360 ADN1
16166610 60 Prepay 360 ADN1
16166613 60 Prepay 360 ADN1
16166614 60 No_PP 360 ADN1
16166577 60 No_PP 360 ADN1
16166579 60 Prepay 360 ADN1
16166580 0 No_PP 360 ADN1
16166454 120 Prepay 360 ADN1
16166458 60 No_PP 360 ADN1
16166459 0 No_PP 360 ADN1
16166460 60 No_PP 360 ADN1
16166467 0 No_PP 360 ADN1
16166469 60 No_PP 360 ADN1
16166470 0 No_PP 360 ADN1
16166474 60 No_PP 360 ADN1
16166477 60 No_PP 360 ADN1
16166488 60 Prepay 360 ADN1
16166494 120 Prepay 360 ADN1
16166515 60 No_PP 360 ADN1
16166518 60 No_PP 360 ADN1
16166519 60 No_PP 360 ADN1
16166521 60 No_PP 360 ADN1
16166522 60 No_PP 360 ADN1
16166523 60 No_PP 360 ADN1
16166524 60 No_PP 360 ADN1
16166526 60 No_PP 360 ADN1
16166533 60 Prepay 360 ADN1
16166539 60 No_PP 360 ADN1
16166540 60 Prepay 360 ADN1
16166544 60 No_PP 360 ADN1
16166545 60 No_PP 360 ADN1
16166550 60 No_PP 360 ADN1
16166560 0 Prepay 360 ADN1
16166417 60 No_PP 360 ADN1
16166419 60 Prepay 360 ADN1
16166421 60 No_PP 360 ADN1
16166425 60 No_PP 360 ADN1
16166426 60 Prepay 360 ADN1
16166428 60 Prepay 360 ADN1
16166435 60 Prepay 360 ADN1
16166436 0 No_PP 360 ADN1
16166443 0 Prepay 360 ADN1
16166449 60 No_PP 360 ADN1
16166319 60 No_PP 360 ADN1
16166321 60 No_PP 360 ADN1
16166323 60 No_PP 360 ADN1
16166327 60 Prepay 360 ADN1
16166328 60 No_PP 360 ADN1
16166336 60 Prepay 360 ADN1
16166340 60 No_PP 360 ADN1
16166344 60 No_PP 360 ADN1
16166349 60 No_PP 360 ADN1
16166353 60 No_PP 360 ADN1
16166359 60 No_PP 360 ADN1
16166364 60 No_PP 360 ADN1
16166377 60 No_PP 360 ADN1
16166378 60 No_PP 360 ADN1
16166379 60 Prepay 360 ADN1
16166380 60 Prepay 360 ADN1
16166389 60 No_PP 360 ADN1
16166390 60 No_PP 360 ADN1
16166395 60 No_PP 360 ADN1
16166407 60 No_PP 360 ADN1
16166411 60 No_PP 360 ADN1
16166289 0 No_PP 360 ADN1
16166296 60 No_PP 360 ADN1
16166310 60 Prepay 360 ADN1
16166313 60 No_PP 360 ADN1
16166315 0 No_PP 360 ADN1
16166318 60 No_PP 360 ADN1
16166098 60 No_PP 360 ADN1
16166102 0 No_PP 360 ADN1
16166104 60 No_PP 360 ADN1
16166106 60 No_PP 360 ADN1
16166107 60 Prepay 360 ADN1
16166108 60 No_PP 360 ADN1
16166110 60 Prepay 360 ADN1
16166113 60 No_PP 360 ADN1
16166115 60 Prepay 360 ADN1
16166116 60 No_PP 360 ADN1
16166121 60 No_PP 360 ADN1
16166122 60 No_PP 360 ADN1
16166125 60 No_PP 360 ADN1
16166127 60 No_PP 360 ADN1
16166128 60 No_PP 360 ADN1
16166135 60 No_PP 360 ADN1
16166136 60 No_PP 360 ADN1
16166138 60 No_PP 360 ADN1
16166142 60 No_PP 360 ADN1
16166143 60 No_PP 360 ADN1
16166145 0 No_PP 360 ADN1
16166147 60 No_PP 360 ADN1
16166148 60 No_PP 360 ADN1
16166151 60 No_PP 360 ADN1
16166152 60 No_PP 360 ADN1
16166155 60 Prepay 360 ADN1
16166159 60 No_PP 360 ADN1
16166160 0 No_PP 360 ADN1
16166161 60 No_PP 360 ADN1
16166163 60 No_PP 360 ADN1
16166164 60 No_PP 360 ADN1
16166167 60 No_PP 360 ADN1
16166168 60 Prepay 360 ADN1
16166170 60 No_PP 360 ADN1
16166175 60 No_PP 360 ADN1
16166176 60 No_PP 360 ADN1
16166178 60 No_PP 360 ADN1
16166189 60 No_PP 360 ADN1
16166194 60 No_PP 360 ADN1
16166197 0 No_PP 360 ADN1
16166200 0 No_PP 360 ADN1
16166201 60 No_PP 360 ADN1
16166202 60 No_PP 360 ADN1
16166203 0 No_PP 360 ADN1
16166204 60 No_PP 360 ADN1
16166207 60 No_PP 360 ADN1
16166213 60 No_PP 360 ADN1
16166217 60 No_PP 360 ADN1
16166218 60 No_PP 360 ADN1
16166220 0 No_PP 360 ADN1
16166223 0 No_PP 360 ADN1
16166225 60 No_PP 360 ADN1
16166232 60 No_PP 360 ADN1
16166234 60 No_PP 360 ADN1
16166235 0 No_PP 360 ADN1
16166237 60 No_PP 360 ADN1
16166238 0 No_PP 360 ADN1
16166245 60 Prepay 360 ADN1
16166247 120 No_PP 360 ADN1
16166249 60 No_PP 360 ADN1
16166255 60 No_PP 360 ADN1
16166267 60 No_PP 360 ADN1
16166069 60 Prepay 360 ADN1
16166074 60 Prepay 360 ADN1
16166083 60 Prepay 360 ADN1
16166092 60 No_PP 360 ADN1
2026
EXHIBIT
C
[RESERVED]
EXHIBIT
D
REQUEST
FOR RELEASE OF DOCUMENTS
|
To:
|
Xxxxx
Fargo Bank, N.A.
|
0000
00xx
Xxxxxx
X.X.
Xxxxxxxxxxx,
XX 00000-0000
Attn:
Inventory Control
|
RE:
|
Pooling
and Servicing Agreement, dated as
of
|
May
1,
2006, among XXXX XX,
Xxxxx
Fargo Bank, N.A., as Master Servicer
and
Securities Administrator,
EMC
Mortgage Corporation, as Seller
and
company and U.S. Bank National Association, as Trustee
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:
|
|||||||||
EXHIBIT
E
FORM
OF
AFFIDAVIT
Affidavit
pursuant to Section 860E(e)(4) of the Internal Revenue Code of 1986, as amended,
and for other purposes
|
)
|
||
|
)
|
ss.:
|
|
|
COUNTY
OF___________
|
)
|
[NAME
OF
OFFICER], being first duly sworn, deposes and says:
1. That
he
is [Title of Officer] of [Name of Investor] (the “Investor”), a [savings
institution] [corporation] duly organized and existing under the laws of [the
State of ] [the United States], on behalf of which he makes this
affidavit.
2. That
(i)
the Investor is not a “disqualified organization” as defined in Section
860E(e)(5) of the Internal Revenue Code of 1986, as amended (the “Code”), and
will not be a disqualified organization as of [Closing Date] [date of purchase];
(ii) it is not acquiring the Structured Asset Mortgage Investments II Inc.,
Bear
Xxxxxxx ARM Trust, Mortgage Pass-Through Certificates, Series 2006-2 Class
R-I
Certificates, Class R-II Certificates and Class R-III Certificates (the
“Residual Certificates”) for the account of a disqualified organization; (iii)
it consents to any amendment of the Pooling and Servicing Agreement that shall
be deemed necessary by Structured Asset Mortgage Investments II Inc. (upon
advice of counsel) to constitute a reasonable arrangement to ensure that the
Residual Certificates will not be owned directly or indirectly by a disqualified
organization; and (iv) it will not transfer such Residual Certificates unless
(a) it has received from the transferee an affidavit in substantially the same
form as this affidavit containing these same four representations and (b) as
of
the time of the transfer, it does not have actual knowledge that such affidavit
is false.
3. That
the
Investor is one of the following: (i) a citizen or resident of the United
States, (ii) a corporation or partnership (including an entity treated as a
corporation or partnership for 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 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 United States Persons, (iii) an estate
whose income is subject to United States federal income tax regardless of its
source, or (iv) a trust other than a “foreign trust,” as defined in Section 7701
(a)(31) of the Code.
4. That
the
Investor’s taxpayer identification number is
______________________.
5. That
no
purpose of the acquisition of the Residual Certificates is to avoid or impede
the assessment or collection of tax.
6. That
the
Investor understands that, as the holder of the Residual Certificates, the
Investor may incur tax liabilities in excess of any cash flows generated by
such
Residual Certificates.
7. That
the
Investor intends to pay taxes associated with holding the Residual Certificates
as they become due.
IN
WITNESS WHEREOF, the Investor has caused this instrument to be executed on
its
behalf, pursuant to authority of its Board of Directors, by its [Title of
Officer] this ____ day of _________, 20__.
|
[NAME
OF INVESTOR]
|
|||||||||||||
|
By:
|
|||||||||||||
|
[Name
of Officer]
|
|||||||||||||
|
[Title
of Officer]
|
|||||||||||||
|
[Address
of Investor for receipt of distributions]
|
|||||||||||||
|
Address
of Investor for receipt of tax
information:
|
|||||||||||||
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 Investor, and acknowledged to me that he executed the same
as
his free act and deed and the free act and deed of the Investor.
Subscribed
and sworn before me this ___ day of _________, 20___.
NOTARY
PUBLIC
COUNTY
OF
STATE
OF
My
commission expires the ___ day of ___________________, 20___.
EXHIBIT
F-1
FORM
OF
INVESTMENT LETTER
[Date]
[SELLER]
Xxxxx
Fargo Bank, N.A.
Xxxxx
Xxxxxx xxx Xxxxxxxxx Xxxxxx
Xxxxxxxxxxx,
Xxxxxxxxx 00000
Structured
Asset Mortgage Investments II Inc.
000
Xxxxxxx Xxxxxx
Xxx
Xxxx,
Xxx Xxxx 00000
|
Re:
|
Structured
Asset Mortgage Investments II Inc., Bear Xxxxxxx ARM Trust, Series
2006-2
Mortgage Pass-Through Certificates (the “Certificates”), including the
Class
B-4, Class B-5 and Class B-6 Certificates
(the “Privately Offered
Certificates”
|
Dear
Ladies and Gentlemen:
In
connection with our purchase of Privately Offered Certificates, we confirm
that:
|
(i)
|
we
understand that the Privately Offered Certificates are not being
registered under the Securities Act of 1933, as amended (the “Act”) or any
applicable state securities or “Blue Sky” laws, and are being sold to us
in a transaction that is exempt from the registration requirements
of such
laws;
|
|
(ii)
|
any
information we desired concerning the Certificates, including the
Privately Offered Certificates, the trust in which the Certificates
represent the entire beneficial ownership interest (the “Trust”) or any
other matter we deemed relevant to our decision to purchase Privately
Offered Certificates has been made available to
us;
|
|
(iii)
|
we
are able to bear the economic risk of investment in Privately Offered
Certificates; we are an institutional “accredited investor” as defined in
Section 501(a) of Regulation D promulgated under the Act and a
sophisticated institutional
investor;
|
|
(iv)
|
we
are acquiring Privately Offered Certificates for our own account,
not as
nominee for any other person, and not with a present view to any
distribution or other disposition of the Privately Offered
Certificates;
|
|
(v)
|
we
agree the Privately Offered Certificates must be held indefinitely
by us
(and may not be sold, pledged, hypothecated or in any way disposed
of)
unless subsequently registered under the Act and any applicable state
securities or “Blue Sky” laws or an exemption from the registration
requirements of the Act and any applicable state securities or “Blue Sky”
laws is available;
|
|
(vi)
|
we
agree that in the event that at some future time we wish to dispose
of or
exchange any of the Privately Offered Certificates (such disposition
or
exchange not being currently foreseen or contemplated), we will not
transfer or exchange any of the Privately Offered Certificates
unless:
|
(A)
(1)
the sale is to an Eligible Purchaser (as defined below), (2) if required by
the
Pooling and Servicing Agreement (as defined below) a letter to substantially
the
same effect as either this letter or, if the Eligible Purchaser is a Qualified
Institutional Buyer as defined under Rule 144A of the Act, the Rule 144A and
Related Matters Certificate in the form attached to the Pooling and Servicing
Agreement (as defined below) (or such other documentation as may be acceptable
to the Trustee) is executed promptly by the purchaser and delivered to the
addressees hereof and (3) all offers or solicitations in connection with the
sale, whether directly or through any agent acting on our behalf, are limited
only to Eligible Purchasers and are not made by means of any form of general
solicitation or general advertising whatsoever; and
(B) if
the
Privately Offered Certificate is not registered under the Act (as to which
we
acknowledge you have no obligation), the Privately Offered Certificate is sold
in a transaction that does not require registration under the Act and any
applicable state securities or “blue sky” laws and, if U.S. Bank National
Association (the “Trustee”) so requests, a satisfactory Opinion of Counsel is
furnished to such effect, which Opinion of Counsel shall be an expense of the
transferor or the transferee;
|
(vii)
|
we
agree to be bound by all of the terms (including those relating to
restrictions on transfer) of the Pooling and Servicing, pursuant
to which
the Trust was formed; we have reviewed carefully and understand the
terms
of the Pooling and Servicing
Agreement;
|
|
(viii)
|
we
either: (i) are not acquiring the Privately Offered Certificate directly
or indirectly by, or on behalf of, an employee benefit plan or other
retirement arrangement which is subject to Title I of the Employee
Retirement Income Security Act of 1974, as amended, or section 4975
of the
Internal Revenue Code of 1986, as amended, or (ii) are providing
a
representation to the effect that the proposed transfer and holding
of a
Privately Offered Certificate and the servicing, management and operation
of the Trust and its assets: (I) will not result in any prohibited
transaction which is not covered under an individual or class prohibited
transaction exemption, including, but not limited to, Prohibited
Transaction Exemption (“PTE”) 84-14, XXX 00-00, XXX 00-0, XXX 95-60, or
PTE 96-23 and (II) will not give rise to any additional obligations
on the
part of the Depositor, the Master Servicer, the Securities Administrator
or the Trustee or (iii) have attached hereto the opinion specified
in
Section 5.07 of the Agreement.
|
|
(ix)
|
We
understand that each of the Privately Offered Certificates bears,
and will
continue to bear, a legend to substantiate the following effect:
“THIS
CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR UNDER ANY STATE
SECURITIES LAWS. THE HOLDER HEREOF, BY PURCHASING THIS CERTIFICATE,
AGREES
THAT THIS CERTIFICATE MAY BE REOFFERED, RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY IN COMPLIANCE WITH THE SECURITIES ACT AND OTHER
APPLICABLE LAWS AND ONLY (1) PURSUANT TO RULE 144A UNDER THE SECURITIES
ACT (“RULE 144A”) TO A PERSON THAT THE HOLDER REASONABLY BELIEVES IS A
QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A
“QIB”),
PURCHASING FOR ITS OWN ACCOUNT OR A QIB PURCHASING FOR THE ACCOUNT
OF A
QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE REOFFER,
RESALE,
PLEDGE OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A,
(2)
PURSUANT TO AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER
THE
SECURITIES ACT (IF AVAILABLE) OR (3) IN CERTIFICATED FORM TO AN
“INSTITUTIONAL ACCREDITED INVESTOR” WITHIN THE MEANING THEREOF IN RULE
501(a)(1), (2), (3) or (7) OF REGULATION D UNDER THE ACT OR ANY ENTITY
IN
WHICH ALL OF THE EQUITY OWNERS COME WITHIN SUCH PARAGRAPHS PURCHASING
NOT
FOR DISTRIBUTION IN VIOLATION OF THE SECURITIES ACT, SUBJECT TO (A)
THE
RECEIPT BY THE CERTIFICATE REGISTRAR OF A LETTER SUBSTANTIALLY IN
THE FORM
PROVIDED IN THE AGREEMENT AND (B) THE RECEIPT BY THE CERTIFICATE
REGISTRAR
OF SUCH OTHER EVIDENCE ACCEPTABLE TO THE CERTIFICATE REGISTRAR THAT
SUCH
REOFFER, RESALE, PLEDGE OR TRANSFER IS IN COMPLIANCE WITH THE SECURITIES
ACT AND OTHER APPLICABLE LAWS OR IN EACH CASE IN ACCORDANCE WITH
ALL
APPLICABLE SECURITIES LAWS OF THE UNITED STATES AND ANY OTHER APPLICABLE
JURISDICTION. THIS CERTIFICATE MAY NOT BE ACQUIRED DIRECTLY OR INDIRECTLY
BY, OR ON BEHALF OF, AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT
ARRANGEMENT WHICH IS SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT
INCOME
SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE INTERNAL
REVENUE
CODE OF 1986, AS AMENDED, UNLESS THE PROPOSED TRANSFER AND HOLDING
OF A
CERTIFICATE AND THE SERVICING, MANAGEMENT AND OPERATION OF THE TRUST
AND
ITS ASSETS: (1) WILL NOT RESULT IN ANY PROHIBITED TRANSACTION WHICH
IS NOT
COVERED UNDER AN INDIVIDUAL OR CLASS PROHIBITED TRANSACTION EXEMPTION,
INCLUDING, BUT NOT LIMITED TO, PROHIBITED TRANSACTION EXEMPTION (“PTE”)
84-14, XXX 00-00, XXX 00-0, XXX 95-60 OR PTE 96-23 AND (II) WILL
NOT GIVE
RISE TO ANY ADDITIONAL OBLIGATIONS ON THE PART OF THE DEPOSITOR,
THE
MASTER SERVICER, THE SECURITIES ADMINISTRATOR OR THE TRUSTEE, WHICH
WILL
BE DEEMED REPRESENTED BY AN OWNER OF A BOOK-ENTRY CERTIFICATE OR
A GLOBAL
CERTIFICATE OR UNLESS THE OPINION PROVIDED IN SECTION 5.07 OF THE
AGREEMENT IS PROVIDED.”
|
“Eligible
Purchaser”
means
a
corporation, partnership or other entity which we have reasonable grounds to
believe and do believe (i) can make representations with respect to itself
to
substantially the same effect as the representations set forth herein, and
(ii)
is either a Qualified Institutional Buyer as defined under Rule 144A of the
Act
or an institutional “Accredited Investor” as defined under Rule 501 of the
Act.
Terms
not
otherwise defined herein shall have the meanings assigned to them in the Pooling
and Servicing Agreement, dated as of May 1, 2006, among Structured Asset
Mortgage Investments II Inc., Xxxxx Fargo Bank, N.A. as master servicer and
securities administrator, EMC Mortgage Corporation, as seller and U.S. Bank
National Association, as Trustee (the “Pooling and Servicing
Agreement”).
If
the
Purchaser proposes that its Certificates be registered in the name of a nominee
on its behalf, the Purchaser has identified such nominee below, and has caused
such nominee to complete the Nominee Acknowledgment at the end of this
letter.
Name
of
Nominee (if any): _________________________________
IN
WITNESS WHEREOF, this document has been executed by the undersigned who is
duly
authorized to do so on behalf of the undersigned Eligible Purchaser on the
___
day of ________, 20___.
|
Very
truly yours,
|
|||||||||||||
|
[PURCHASER]
|
|||||||||||||
|
By:
|
|||||||||||||
|
(Authorized
Officer)
|
|||||||||||||
|
[By:
|
|||||||||||||
|
Attorney-in-fact]
|
|||||||||||||
Nominee
Acknowledgment
The
undersigned hereby acknowledges and agrees that as to the Certificates being
registered in its name, the sole beneficial owner thereof is and shall be the
Purchaser identified above, for whom the undersigned is acting as
nominee.
|
[NAME
OF NOMINEE]
|
|||||||||||||
|
By:
|
|||||||||||||
|
(Authorized
Officer)
|
|||||||||||||
|
[By:
|
|||||||||||||
|
Attorney-in-fact]
|
|||||||||||||
EXHIBIT
F-2
FORM
OF
RULE 144A AND RELATED MATTERS CERTIFICATE
[Date]
[SELLER]
Xxxxx
Fargo Bank, N.A.
Xxxxx
Xxxxxx xxx Xxxxxxxxx Xxxxxx
Xxxxxxxxxxx,
Xxxxxxxxx 00000
Structured
Asset Mortgage Investments II Inc.
000
Xxxxxxx Xxxxxx
Xxx
Xxxx,
Xxx Xxxx 00000
|
Re:
|
Structured
Asset Mortgage Investments II Inc., Bear Xxxxxxx ARM Trust, Series
2006-2
Mortgage Pass-Through Certificates, Class B-4, Class B-5 and Class
B-6
Certificates (the “Privately Offered
Certificates”)
|
Dear
Ladies and Gentlemen:
In
connection with our purchase of Privately Offered Certificates, the undersigned
certifies to each of the parties to whom this letter is addressed that it is
a
qualified institutional buyer (as defined in Rule 144A under the Securities
Act
of 1933, as amended (the “Act”)) as follows:
|
1.
|
It
owned and/or invested on a discretionary basis eligible securities
(excluding affiliate’s securities, bank deposit notes and CD’s, loan
participations, repurchase agreements, securities owned but subject
to a
repurchase agreement and swaps), as described
below:
|
Date:
______________, 20__ (must be on or after the close of its most recent fiscal
year)
Amount:
$
_____________________; and
|
2.
|
The
dollar amount set forth above is:
|
|
a.
|
|
greater
than $100 million and the undersigned is one of the following
entities:
|
|
(x)
|
[
]
|
an
insurance company as defined in Section 2(13) of the Act1 ;
or
|
|
|
(y)
|
[
]
|
an
investment company registered under the Investment Company Act or
any
business development company as defined in Section 2(a)(48) of the
Investment Company Act of 1940; or
|
|
|
(z)
|
[
]
|
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; or
|
|
|
(aa)
|
[
]
|
a
plan (i) established and maintained by a state, its political
subdivisions, or any agency or instrumentality of a state or its
political
subdivisions, the laws of which permit the purchase of securities
of this
type, for the benefit of its employees and (ii) the governing investment
guidelines of which permit the purchase of securities of this type;
or
|
|
|
(bb)
|
[
]
|
a
business development company as defined in Section 202(a)(22) of
the
Investment Advisers Act of 1940; or
|
|
|
(cc)
|
[
]
|
a
corporation (other than a U.S. bank, savings and loan association
or
equivalent foreign institution), partnership, Massachusetts or similar
business trust, or an organization described in Section 501(c)(3)
of the
Internal Revenue Code; or
|
|
|
(dd)
|
[
]
|
a
U.S. bank, savings and loan association or equivalent foreign institution,
which has an audited net worth of at least $25 million as demonstrated
in
its latest annual financial statements; or
|
|
|
(ee)
|
[
]
|
an
investment adviser registered under the Investment Advisers Act;
or
|
|
|
b.
|
[
]
|
greater
than $10 million, and the undersigned is a broker-dealer registered
with
the SEC; or
|
|
|
c.
|
[
]
|
less
than $10 million, and the undersigned is a broker-dealer registered
with
the SEC and will only purchase Rule 144A securities in transactions
in
which it acts as a riskless principal (as defined in Rule 144A);
or
|
|
|
d.
|
[
]
|
less
than $100 million, and the undersigned is an investment company registered
under the Investment Company Act of 1940, which, together with one
or more
registered investment companies having the same or an affiliated
investment adviser, owns at least $100 million of eligible securities;
or
|
|
|
e.
|
[
]
|
less
than $100 million, and the undersigned is an entity, all the equity
owners
of which are qualified institutional buyers.
|
|
The
undersigned further certifies that it is purchasing a Privately Offered
Certificate for its own account or for the account of others that independently
qualify as “Qualified Institutional Buyers” as defined in Rule 144A. It is aware
that the sale of the Privately Offered Certificates is being made in reliance
on
its continued compliance with Rule 144A. It is aware that the transferor may
rely on the exemption from the provisions of Section 5 of the Act provided
by
Rule 144A. The undersigned understands that the Privately Offered Certificates
may be resold, pledged or transferred only to (i) 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 in Rule 144A, or (ii)
an
institutional “accredited investor,” as such term is defined under Rule 501 of
the Act in a transaction that otherwise does not constitute a public
offering.
The
undersigned agrees that if at some future time it wishes to dispose of or
exchange any of the Privately Offered Certificates, it will not transfer or
exchange any of the Privately Offered Certificates to a Qualified Institutional
Buyer without first obtaining a Rule 144A and Related Matters Certificate in
the
form hereof from the transferee and delivering such certificate to the
addressees hereof. Prior to making any transfer of Privately Offered
Certificates, if the proposed Transferee is an institutional “accredited
investor,” the transferor shall obtain from the transferee and deliver to the
addressees hereof an Investment Letter in the form attached to the Pooling
and
Servicing Agreement, dated as of May 1, 2006, among Structured Asset Mortgage
Investments II Inc., Xxxxx Fargo Bank, N.A., EMC Mortgage Corporation and U.S.
Bank National Association, as Trustee, pursuant to Certificates were
issued.
The
undersigned certifies that it either: (i) is not acquiring the Privately Offered
Certificate directly or indirectly by, or on behalf of, an employee benefit
plan
or other retirement arrangement which is subject to Title I of the Employee
Retirement Income Security Act of 1974, as amended, or section 4975 of the
Internal Revenue Code of 1986, as amended, or (ii) is providing a representation
or an opinion of counsel to the effect that the proposed transfer and holding
of
a Privately Offered Certificate and the servicing, management and operation
of
the Trust and its assets: (I) will not result in any prohibited transaction
which is not covered under a prohibited transaction exemption, including, but
not limited to, Prohibited Transaction Exemption (“PTE”) 84-14, XXX 00-00, XXX
00-0, XXX 00-00, XXX 00-00 and (II) will not give rise to any additional
obligations on the part of the Depositor, the Master Servicer, the Securities
Administrator or the Trustee or (iii) has attached hereto the opinion specified
in Section 5.07 of the Agreement.
If
the
Purchaser proposes that its Certificates be registered in the name of a nominee
on its behalf, the Purchaser has identified such nominee below, and has caused
such nominee to complete the Nominee Acknowledgment at the end of this
letter.
1 A
purchase by an insurance company for one or more of its separate accounts,
as
defined by Section 2(a)(37) of the Investment Company Act of 1940, which
are
neither registered nor required to be registered thereunder, shall be
deemed to
be a purchase for the account of such insurance company.
Name
of
Nominee (if any):
IN
WITNESS WHEREOF, this document has been executed by the undersigned who is
duly
authorized to do so on behalf of the undersigned Eligible Purchaser on the
____
day of ___________, 20___.
|
Very
truly yours,
|
|||||||||||||
|
[PURCHASER]
|
|||||||||||||
|
By:
|
|||||||||||||
|
(Authorized
Officer)
|
|||||||||||||
|
[By:
|
|||||||||||||
|
Attorney-in-fact]
|
|||||||||||||
NOMINEE
ACKNOWLEDGMENT
The
undersigned hereby acknowledges and agrees that as to the Certificates being
registered in its name, the sole beneficial owner thereof is and shall be the
Purchaser identified above, for whom the undersigned is acting as
nominee.
|
[NAME
OF NOMINEE]
|
|||||||||||||
|
By:
|
|||||||||||||
|
(Authorized
Officer)
|
|||||||||||||
|
[By:
|
|||||||||||||
|
Attorney-in-fact]
|
|||||||||||||
EXHIBIT
G
FORM
OF
CUSTODIAL AGREEMENT
THIS
CUSTODIAL AGREEMENT (as amended and supplemented from time to time, the
“Agreement’), dated as of May 31, 2006, by and among U.S. BANK NATIONAL
ASSOCIATION, 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”), STRUCTURED ASSET MORTGAGE
INVESTMENTS II INC., as depositor (together with any successor in interest,
the
“Depositor”), XXXXX FARGO BANK, N.A., 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, N.A., as custodian (together with any successor in interest
or
any successor appointed hereunder, the “Custodian”).
WITNESSETH
THAT:
WHEREAS,
the Depositor, the Master Servicer, the Trustee and EMC Mortgage Corporation
(the “Seller”) have entered into a Pooling and Servicing Agreement, dated as of
May 1, 2006, relating to the issuance of Bear Xxxxxxx ARM Trust 2006-2, Mortgage
Pass-Through Certificates, Series 2006-2 (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
Depositor or the Master Servicer under the Pooling and Servicing Agreement
and
the Servicers under their respective Servicing Agreements, 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 Depositor, the Master
Servicer and the Custodian hereby agree as follows:
ARTICLE
I.
DEFINITIONS
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.
ARTICLE
II.
CUSTODY
OF MORTGAGE DOCUMENTS
Section
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.
Section
2.2 Recordation
of Assignments.
If any
Mortgage File includes one or more assignments of Mortgage to the Trustee in
a
state which is specifically excluded from the Opinion of Counsel delivered
by
the Seller to the Trustee and the Custodian pursuant to the provisions of
Section 2.01 of the Pooling and Servicing Agreement, each such assignment shall
be delivered by the Custodian to the Depositor for the purpose of recording
it
in the appropriate public office for real property records, and the Depositor,
at no expense to the Custodian, shall promptly cause to be recorded in the
appropriate public office for real property records each such assignment of
Mortgage and, upon receipt thereof from such public office, shall return each
such assignment of Mortgage to the Custodian.
Section
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) Within
90
days of the Closing Date, the Custodian agrees, for the benefit of
Certificateholders, to review, in accordance with the provisions of Section
2.02
of the Pooling and Servicing Agreement, each such document, and shall deliver
to
the Depositor and the Trustee an Interim Certification in the form annexed
hereto as Exhibit Two to the effect that all such documents have been executed
and received and that such documents relate to the Mortgage Loans identified
on
the Mortgage Loan Schedule, except for any exceptions listed on Schedule A
attached to such Interim Certification. The Custodian shall be under no 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 that they are other than what they purport to be
on
their face.
(c) 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 Depositor and the Trustee a Final Certification in the form
annexed hereto as Exhibit Three evidencing the completeness of the Mortgage
Files.
(d) 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.
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.
Section
2.4 Notification
of Breaches of Representations and Warranties.
Upon
discovery by the Custodian of a breach of any representation or warranty made
by
the Depositor as set forth in the Pooling and Servicing Agreement with respect
to a Mortgage Loan relating to a Mortgage File, the Custodian shall give prompt
written notice to the Depositor, the related Servicer and the
Trustee.
Section
2.5 Custodian
to Cooperate: Release of Mortgage Files.
Upon
receipt of written notice from the Trustee that the Seller has repurchased
a
Mortgage Loan pursuant to Article II of the Pooling and Servicing Agreement,
and
that the purchase price therefore has been deposited in the Distribution
Account, then the Custodian agrees to promptly release to the Seller the related
Mortgage File.
Upon
the
Custodian’s receipt of a request for release (a “Request for Release”)
substantially in the form of Exhibit D to the Pooling and Servicing Agreement
signed by a Servicing Officer of the related 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 related Servicer the related Mortgage File. The Depositor
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
related 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 all of the Mortgage File be released to the
related 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 related
Servicer. The related Servicer shall cause each Mortgage File or any document
therein so released to be returned to the Custodian when the need therefore
by
the related 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 Distribution 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 related 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 a 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 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 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; provided, however, that
in the case of a Mortgage Loan that is registered on the MERS System, no
assignment of mortgage or endorsement of the Mortgage Note by the Trustee shall
be required. 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
related Servicer.
Section
2.6 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 related
Servicing Agreement, shall cause the related 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.
ARTICLE
III.
CONCERNING
THE CUSTODIAN
Section
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 2.5 of this Agreement, no Mortgage Note, Mortgage or Mortgage File
shall
be delivered by the Custodian to the Depositor, the Servicers or the Master
Servicer or otherwise released from the possession of the
Custodian.
Section
3.2 Reserved.
Section
3.3 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.
Section
3.4 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 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 Depositor pursuant to the Pooling and Servicing
Agreement.
Section
3.5 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 Depositor, the Master Servicer 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 remove the Custodian at any time 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 3.7 and shall be unaffiliated with the
Servicer or the Depositor.
Any
resignation or removal of the Custodian and appointment of a successor Custodian
pursuant to any of the provisions of this Section 3.5 shall become effective
upon acceptance of appointment by the successor Custodian. The Trustee shall
give prompt notice to the Depositor 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 Depositor and the Master
Servicer.
Section
3.6 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.
Section
3.7 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.
ARTICLE
IV.
COMPLIANCE
WITH REGULATION AB
Section
4.1 Intent
of the parties; Reasonableness.
The
parties hereto acknowledge and agree that the purpose of this Article IV is
to
facilitate compliance by the Depositor with the provisions of Regulation AB
and
related rules and regulations of the Commission. The Depositor shall not
exercise its right to request delivery of information or other performance
under
these provisions other than in good faith, or for purposes other than compliance
with the Securities Act, the Exchange Act and the rules and regulations of
the
Commission under the Securities Act and the Exchange Act. Each of the parties
hereto acknowledges that interpretations of the requirements of Regulation
AB
may change over time, whether due to interpretive guidance provided by the
Commission or its staff, consensus among participants in the mortgage-backed
securities markets, advice of counsel, or otherwise, and agrees to comply with
requests made by the Depositor in good faith for delivery of information under
these provisions on the basis of evolving interpretations of Regulation AB
to
the extent reasonably practicable. The Custodian shall cooperate reasonably
with
the Depositor to deliver to the Depositor (including any of its assignees or
designees), any and all disclosure, statements, reports, certifications, records
and any other information necessary in the reasonable, good faith determination
of the Depositor to permit the Depositor to comply with the provisions of
Regulation AB.
Section
4.2 Additional
Representations and Warranties of the Custodian.
(a) The
Custodian hereby represents and warrants that the information set forth in
the
Prospectus Supplement under the caption "Pooling and Servicing Agreement -
The
Custodian" (the "Custodian Disclosure") does not contain any untrue statement
of
a material fact or omit to state a material fact required to be stated therein
or necessary in order to make the statements therein, in the light of the
circumstances under which they were made, not misleading.
(b) The
Custodian shall be deemed to represent to the Depositor as of the date hereof
and on each date on which information is provided to the Depositor under Section
4.3 that, except as disclosed in writing to the Depositor prior to such date:
(i) there are no aspects of its financial condition that could have a material
adverse effect on the performance by it of its Custodian obligations under
this
Agreement or any other Securitization Transaction as to which it is the
custodian; (ii) there are no material legal or governmental proceedings pending
(or known to be contemplated) against it; and (iii) there are no affiliations,
relationships or transactions relating to the Custodian with respect to the
Depositor or any sponsor, issuing entity, servicer, trustee, originator,
significant obligor, enhancement or support provider or other material
transaction party (as such terms are used in Regulation AB) relating to the
Securitization Transaction contemplated by the Agreement, as identified by
the
Depositor to the Custodian in writing as of the Closing Date (each, a
"Transaction Party").
(c) If
so
requested by the Depositor on any date following the Closing Date, the Custodian
shall, within five Business Days following such request, confirm in writing
the
accuracy of the representations and warranties set forth in paragraph (a) of
this Section or, if any such representation and warranty is not accurate as
of
the date of such confirmation, provide reasonably adequate disclosure of the
pertinent facts, in writing, to the requesting party. Any such request from
the
Depositor shall not be given more than once each calendar quarter, unless the
Depositor shall have a reasonable basis for a determination that any of the
representations and warranties may not be accurate.
Section
4.3 Additional
Information to Be Provided by the Custodian.
For so
long as the Certificates are outstanding, for the purpose of satisfying the
Depositor 's reporting obligation under the Exchange Act with respect to any
class of Certificates, the Custodian shall (a) notify the Depositor in writing
of any material litigation or governmental proceedings pending against the
Custodian that would be material to Certificateholders, and (b) provide to
the
Depositor a written description of such proceedings. Any notices and
descriptions required under this Section 4.3 shall be given no later than five
Business Days prior to the Determination Date following the month in which
the
Custodian has knowledge of the occurrence of the relevant event. As of the
date
the Depositor or Master Servicer files each Report on Form 10-D or Form 10-K
with respect to the Certificates, the Custodian will be deemed to represent
that
any information previously provided under this Section 4.3, if any, is
materially correct and does not have any material omissions unless the Custodian
has provided an update to such information.
Section
4.4 Report
on Assessment of Compliance and Attestation.
On or
before March 15 of each calendar year, the Custodian shall:
(a) deliver
to the Depositor a report (in form and substance reasonably satisfactory to
the
Depositor) regarding the Custodian’s assessment of compliance with the Servicing
Criteria during the immediately preceding calendar year, as required under
Rules
13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation AB. Such
report shall be addressed to the Depositor and signed by an authorized officer
of the Custodian, and shall address each of the Servicing Criteria specified
on
a certification substantially in the form of Exhibit Four attached hereto;
and
(b) deliver
to the Depositor a report of a registered public accounting firm reasonably
acceptable to the Depositor that attests to, and reports on, the assessment
of
compliance made by the Custodian and delivered pursuant to the preceding
paragraph. Such attestation shall be in accordance with Rules 1-02(a)(3) and
2-02(g) of Regulation S-X under the Securities Act and the Exchange
Act.
Section
4.5 Indemnification;
Remedies.
(a) The
Custodian shall indemnify the Depositor, each affiliate of the Depositor, EMC
and each broker dealer acting as underwriter, placement agent or initial
purchaser of the Certificates or each Person who controls any of such parties
(within the meaning of Section 15 of the Securities Act and Section 20 of the
Exchange Act); and the respective present and former directors, officers,
employees and agents of each of the foregoing, and shall hold each of them
harmless from and against any losses, damages, penalties, fines, forfeitures,
legal fees and expenses and related costs, judgments, and any other costs,
fees
and expenses that any of them may sustain arising out of or based upon:
(i)
(A)
any untrue statement of a material fact contained or alleged to be contained
in
any information, report, certification, accountants’ attestation or other
material provided under this Article IV by or on behalf of the Custodian
(collectively, the “Custodian Information”), or (B) the omission or alleged
omission to state in the Custodian Information a material fact required to
be
stated in the Custodian Information or necessary in order to make the statements
therein, in the light of the circumstances under which they were made, not
misleading; or
(ii)
any
failure by the Custodian to deliver any information, report, certification,
accountants’ attestation or other material when and as required under this
Article IV; or
(iii)
the
negligence, bad faith or willful misconduct of the Custodian in the performance
of its obligations under this Article IV.
In
the
case of any failure of performance described in clause (ii) above, the Custodian
shall promptly reimburse the Depositor, the Master Servicer and the Securities
Administrator for all costs reasonably incurred by any of such Persons in order
to obtain the information, report, certification, accountants’ letter or other
material not delivered as required by the Custodian.
In
no
event shall the Custodian or its directors, officers, and employees be liable
for any special, indirect or consequential damages from any action taken or
omitted to be taken by it or them hereunder or in connection herewith even
if
advised of the possibility of such damages.
This
indemnification shall survive the termination of this Agreement or the
termination of the Custodian.
ARTICLE
V.
MISCELLANEOUS
PROVISIONS
Section
5.1 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.
Section
5.2 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 Depositor, the Master Servicer nor the 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.
Section
5.3 GOVERNING
LAW.
THIS
AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF
THE
STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS (OTHER
THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW), AND THE OBLIGATIONS, RIGHTS
AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH
SUCH LAWS.
Section
5.4 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 Depositor and at the
Trust’s expense, but only upon direction accompanied by an Opinion of Counsel
reasonably satisfactory to the Depositor 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.
Section
5.5 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.
IN
WITNESS WHEREOF, this Agreement is executed as of the date first above
written.
|
Address:
Xxx
Xxxxxxx Xxxxxx
0xx
Xxxxx
Xxxxxx,
Xxxxxxxxxxxxx 00000
Attention:
Telecopy:
Confirmation:
|
U.S.
BANK NATIONAL ASSOCIATION, not individually but solely as
Trustee
By:
________________________________
Name: Xxxxx
X. Xxxxx
Title:
Vice President
|
|
Address:
000
Xxxxxxx Xxxxxx
Xxx
Xxxx, Xxx Xxxx 00000
|
STRUCTURED
ASSET MORTGAGE INVESTMENTS II INC.
By:
________________________________
Name:
Xxxxx Xxxxxxxxxxx
Title:
Vice President
|
|
Address:
0000
Xxx Xxxxxxxxx Xxxx
Xxxxxxxx,
Xxxxxxxx 00000
|
XXXXX
FARGO BANK, N.A.,
as
Master Servicer
By:
________________________________
Name: Xxxxxx
X. Xxxxxx
Title: Vice
President
|
|
Address:
0000
Xxxxx Xxxxxx XX
Xxxxxxxxxxx,
Xxxxxxxxx 00000
|
XXXXX
FARGO BANK, N.A.,
as
Custodian
By:
________________________________
Name:
Title:
|
|
STATE
OF MASSACHUSETTS
|
)
|
|
|
)
|
ss.:
|
|
|
COUNTY
OF SUFFOLK
|
)
|
On
the
31st
day of
May 2006 before me, a notary public in and for said State, personally appeared
___________, known to me to be a _____________ of U.S. 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
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]
|
STATE
OF MARYLAND
|
)
|
|
|
)
|
ss.:
|
|
|
COUNTY
OF XXXXXX
|
)
|
On
the
31st day of May 2006 before me, a notary public in and for said State,
personally appeared _____________, known to me to be a ______________ of Xxxxx
Fargo Bank, N.A., 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]
|
STATE
OF NEW YORK
|
)
|
|
|
)
|
ss.:
|
|
|
COUNTY
OF NEW YORK
|
)
|
On
the
31st
day of
May 2006 before me, a notary public in and for said State, personally appeared
___________________________ known to me to be a ____________________ of
Structured Asset Mortgage Investments II Inc., 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 MARYLAND
|
)
|
|
|
)
|
ss.:
|
|
|
COUNTY
OF XXXXXX
|
)
|
On
the
31st
day of
May 2006 before me, a notary public in and for said State, personally appeared
____________, known to me to be a _____________ of Xxxxx Fargo Bank, N.A.,
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]
EXHIBIT
ONE
FORM
OF
CUSTODIAN INITIAL CERTIFICATION
May
31,
2006
|
U.S.
Bank National Association
Xxx
Xxxxxxx Xxxxxx, 0xx
Xxxxx
Xxxxxx,
Xxxxxxxxxxxxx 00000
|
Structured
Asset Mortgage Investments II Inc.
000
Xxxxxxx Xxxxxx
Xxx
Xxxx, Xxx Xxxx 00000
|
Attention:
Structured Asset Mortgage Investments II Inc.
Bear
Xxxxxxx ARM Trust 2006-2, Mortgage Pass-Through Certificates, Series
2006-2
|
Re:
|
Custodial
Agreement, dated as of May 31, 2006, by and among U.S. Bank National
Association, Structured Asset Mortgage Investments II Inc. and Xxxxx
Fargo
Bank, N.A. relating to Bear Xxxxxxx ARM Trust 2006-2, Mortgage
Pass-Through Certificates, Series
2006-2
|
Ladies
and Gentlemen:
In
accordance with Section 2.3(a) of the above-captioned Custodial Agreement and,
subject to Section 2.02(a) of the Pooling and Servicing Agreement, the
undersigned, as Custodian, hereby certifies that it has received a Mortgage
File
(which contains an original Mortgage Note or lost note affidavit) to the extent
required in Section 2.01 of the Pooling and Servicing Agreement with respect
to
each Mortgage Loan listed in the Mortgage Loan Schedule, with any exceptions
listed on Schedule A attached hereto.
Capitalized
words and phrases used herein shall have the respective meanings assigned to
them in the above-captioned Custodial Agreement.
|
XXXXX
FARGO BANK, N.A.
|
|||||||||||||
|
By:
|
|||||||||||||
|
Name:
|
|||||||||||||
|
Title:
|
|||||||||||||
EXHIBIT
TWO
FORM
OF
CUSTODIAN INTERIM CERTIFICATION
___________,
20__
|
U.S.
Bank National Association
Xxx
Xxxxxxx Xxxxxx, 0xx
Xxxxx
Xxxxxx,
Xxxxxxxxxxxxx 00000
|
Structured
Asset Mortgage Investments II Inc.
000
Xxxxxxx Xxxxxx
Xxx
Xxxx, Xxx Xxxx 00000
|
Attention:
Structured Asset Mortgage Investments II Inc.
Bear
Xxxxxxx ARM Trust 2006-2, Mortgage Pass-Through Certificates, Series
2006-2
|
Re:
|
Custodial
Agreement, dated as of May 31, 2006, by and among U.S. Bank National
Association, Structured Asset Mortgage Investments II Inc. and Xxxxx
Fargo
Bank, N.A. relating to Bear Xxxxxxx ARM Trust 2006-2, Mortgage
Pass-Through Certificates, Series
2006-2
|
Ladies
and Gentlemen:
In
accordance with Section 2.3(b) of the above-captioned Custodial Agreement and,
subject to Section 2.02(a) of the Pooling and Servicing Agreement, the
undersigned, as Custodian, hereby certifies that it has received a Mortgage
File
to the extent required pursuant to Section 2.01 of the Pooling and Servicing
Agreement with respect to each Mortgage Loan listed in the Mortgage Loan
Schedule, and it has reviewed the Mortgage File and the Mortgage Loan Schedule
and has determined that: all required documents have been executed and received
and that such documents relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, with any exceptions listed on Schedule A attached
hereto.
Capitalized
words and phrases used herein shall have the respective meanings assigned to
them in the above-captioned Custodial Agreement.
|
XXXXX
FARGO BANK, N.A.
|
|||||||||||||
|
By:
|
|||||||||||||
|
Name:
|
|||||||||||||
|
Title:
|
|||||||||||||
EXHIBIT
THREE
FORM
OF
CUSTODIAN FINAL CERTIFICATION
_______,
20__
|
U.S.
Bank National Association
Xxx
Xxxxxxx Xxxxxx, 0xx
Xxxxx
Xxxxxx,
Xxxxxxxxxxxxx 00000
|
Structured
Asset Mortgage Investments II Inc.
000
Xxxxxxx Xxxxxx
Xxx
Xxxx, Xxx Xxxx 00000
|
Attention:
Structured Asset Mortgage Investments II Inc.
Bear
Xxxxxxx ARM Trust 2006-2, Mortgage Pass-Through Certificates, Series
2006-2
|
Re:
|
Custodial
Agreement, dated as of May 31, 2006, by and among U.S. Bank National
Association, Structured Asset Mortgage Investments II Inc. and Xxxxx
Fargo
Bank , National Association relating to Bear Xxxxxxx ARM Trust 2006-2,
Mortgage Pass-Through Certificates, Series
2006-2
|
Ladies
and Gentlemen:
In
accordance with Section 2.3(c) of the above-captioned Custodial Agreement and,
subject to Section 2.02(b) of the Pooling and Servicing Agreement, the
undersigned, as Custodian, hereby certifies that it has received a Mortgage
File
to the extent required pursuant to Section 2.01 of the Pooling and Servicing
Agreement with respect to each Mortgage Loan listed in the Mortgage Loan
Schedule, and it has reviewed the Mortgage File and the Mortgage Loan Schedule
and has determined that: all required documents have been executed and received
and that such documents relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, with any exceptions listed on Schedule A attached
hereto.
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, N.A.
|
|||||||||||||
|
By:
|
|||||||||||||
|
Name:
|
|||||||||||||
|
Title:
|
|||||||||||||
EXHIBIT
H-1
ARTICLES
IV, V AND VI OF THE
COUNTRYWIDE
HOME LOANS SERVICING LP SERVICING AGREEMENT
EMC
Mortgage Corporation,
Purchaser
and
Countrywide
Home Loans, Inc.,
Company
SELLER’S
WARRANTIES AND SERVICING AGREEMENT
Dated
as
of September 1, 2002
Residential
Adjustable Rate Mortgage Loans
TABLE
OF
CONTENTS
ARTICLE
I
DEFINITIONS
ARTICLE
II
CONVEYANCE
OF MORTGAGE LOANS; POSSESSION OF MORTGAGE FILES;
BOOKS
AND
RECORDS; DELIVERY OF DOCUMENTS
|
Section
2.01
|
Conveyance
of Mortgage Loans; Possession of Mortgage Files; Maintenance of
Servicing
Files.
|
|
|
Section
2.02
|
Books
and Records; Transfers of Mortgage Loans.
|
|
|
Section
2.03
|
Delivery
of Documents.
|
|
|
ARTICLE
III
|
||
|
REPRESENTATIONS
AND WARRANTIES;
|
||
|
REMEDIES
AND BREACH
|
||
|
Section
3.01
|
Company
Representations and Warranties.
|
|
|
Section
3.02
|
Representations
and Warranties Regarding Individual Mortgage Loans.
|
|
|
Section
3.03
|
Remedies
for Breach of Representations and Warranties.
|
|
|
Section
3.04
|
Indemnification.
|
|
|
Section
3.05
|
Repurchase
Upon Conversion.
|
|
|
Section
3.06
|
Restrictions
and Requirements Applicable in the Event
that
a Mortgage Loan is Acquired by a REMIC
|
|
|
|
|
|
|
Section
3.07
|
Review
of Mortgage Loans
|
|
|
ARTICLE
IV
|
||
|
ADMINISTRATION
AND SERVICING OF MORTGAGE LOANS
|
||
|
Section
4.01
|
Company
to Act as Servicer.
|
|
|
Section
4.02
|
Liquidation
of Mortgage Loans.
|
|
|
Section
4.03
|
Collection
of Mortgage Loan Payments.
|
|
|
Section
4.04
|
Establishment
of and Deposits to Custodial Account.
|
|
|
Section
4.05
|
Permitted
Withdrawals From Custodial Account.
|
|
|
Section
4.06
|
Establishment
of and Deposits to Escrow Account.
|
|
|
Section
4.07
|
Permitted
Withdrawals From Escrow Account.
|
|
|
Section
4.08
|
Payment
of Taxes, Insurance and Other Charges.
|
|
|
Section
4.09
|
Protection
of Accounts.
|
|
|
Section
4.10
|
Maintenance
of Hazard Insurance.
|
|
|
Section
4.11
|
Maintenance
of Mortgage Impairment Insurance.
|
|
|
Section
4.12
|
Maintenance
of Fidelity Bond and Errors and Omissions Insurance.
|
|
|
Section
4.13
|
Inspections.
|
|
|
Section
4.14
|
Restoration
of Mortgaged Property.
|
|
|
Section
4.15
|
Maintenance
of PMI and LPMI Policy; Claims.
|
|
|
Section
4.16
|
Title,
Management and Disposition of REO Property.
|
|
|
Section
4.17
|
Real
Estate Owned Reports.
|
|
|
Section
4.18
|
Liquidation
Reports.
|
|
|
Section
4.19
|
Reports
of Foreclosures and Abandonments of Mortgaged Property.
|
|
|
Section
4.20
|
Notification
of Adjustments.
|
|
|
ARTICLE
V
|
||
|
PAYMENTS
TO PURCHASER
|
||
|
Section
5.01
|
Remittances.
|
|
|
Section
5.02
|
Statements
to Purchaser.
|
|
|
Section
5.03
|
Monthly
Advances by Company.
|
|
|
ARTICLE
VI
|
||
|
GENERAL
SERVICING PROCEDURES
|
||
|
Section
6.01
|
Transfers
of Mortgaged Property.
|
|
|
Section
6.02
|
Satisfaction
of Mortgages and Release of Mortgage Files.
|
|
|
Section
6.03
|
Servicing
Compensation.
|
|
|
Section
6.04
|
Annual
Statement as to Compliance.
|
|
|
Section
6.05
|
Annual
Independent Public Accountants’ Servicing Report.
|
|
|
Section
6.06
|
Right
to Examine Company Records.
|
|
EXHIBITS
|
EXHIBIT
A
|
MORTGAGE
LOAN SCHEDULE
|
|
EXHIBIT
B
|
CONTENTS
OF EACH MORTGAGE FILE
|
|
EXHIBIT
C
|
MORTGAGE
LOAN DOCUMENTS
|
|
EXHIBIT
D-1
|
FORM
OF CUSTODIAL ACCOUNT
|
|
CERTIFICATION
|
|
|
EXHIBIT
D-2
|
FORM
OF CUSTODIAL ACCOUNT
|
|
LETTER
AGREEMENT
|
|
|
EXHIBIT
E-1
|
FORM
OF ESCROW ACCOUNT CERTIFICATION
|
|
EXHIBIT
E-2
|
FORM
OF ESCROW ACCOUNT
|
|
LETTER
AGREEMENT
|
|
|
EXHIBIT
F
|
FORM
OF MONTHLY REMITTANCE ADVICE
|
|
EXHIBIT
G
|
FORM
OF ASSIGNMENT AND ASSUMPTION
|
|
EXHIBIT
H
|
UNDERWRITING
GUIDELINES
|
This
is a
Seller’s Warranties and Servicing Agreement for residential adjustable rate
first lien mortgage loans, dated and effective as of September 1, 2002, and
is
executed between EMC Mortgage Corporation, as purchaser (the “Purchaser”),
and
Countrywide Home Loans, Inc., as seller and servicer (the “Company”).
W I T N E S S E T H:
WHEREAS,
from time to time the Purchaser has agreed to purchase from the Company and
from
time to time the Company has agreed to sell to the Purchaser certain Mortgage
Loans (excluding the right to service the Mortgage Loans which the Company
expressly retains);
WHEREAS,
each of the Mortgage Loans is secured by a mortgage, deed of trust or other
security instrument creating a first lien on a residential dwelling located
in
the jurisdiction indicated on the related Mortgage Loan Schedule, which is
annexed hereto as Exhibit
A;
WHEREAS,
the Company has agreed to service, from time to time, certain of the Mortgage
Loans acquired by the Purchaser in accordance with the terms and provisions
of
this Agreement; and
WHEREAS,
the Purchaser and the Company wish to prescribe the manner of purchase of
the
Mortgage Loans and the management, servicing and control of the Mortgage
Loans
which from time to time are subject to 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
is
hereby acknowledged, the Purchaser and the Company agree as
follows:
ARTICLE
IV
ADMINISTRATION
AND SERVICING OF MORTGAGE LOANS
|
Section
4.01
|
Company
to Act as Servicer.
|
The
Company shall service and administer the Mortgage Loans and shall have full
power and authority, acting alone, to do any and all things in connection
with
such servicing and administration which the Company may deem necessary or
desirable, consistent with the terms of this Agreement and with Accepted
Servicing Practices.
(a) Consistent
with the terms of this Agreement, the Company 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 in the
Company’s reasonable and prudent determination such waiver, modification,
postponement or indulgence is not materially adverse to the Purchasers,
provided, however, that the Company shall not make any future advances with
respect to a Mortgage Loan and (unless the Mortgagor is in default with respect
to the Mortgage Loan or such default is, in the judgment of the Company,
imminent and the Company has obtained the prior written consent of the
Purchaser) the Company shall not permit any modification of any material
term of
any Mortgage Loan including any modifications that would change the Mortgage
Interest Rate change the Index, Lifetime Mortgage Interest Rate Cap, Initial
Rate Cap or Gross Margin of any Mortgage Loan, 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 Mortgage Loan. In the event of any such modification which permits the
deferral of interest or principal payments on any Mortgage Loan, the Company
shall, on the Business Day immediately preceding the 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 5.03,
the difference between (a) such month’s principal and one month’s interest at
the Mortgage Loan Remittance Rate on the unpaid principal balance of such
Mortgage Loan and (b) the amount paid by the Mortgagor. The Company shall
be
entitled to reimbursement for such advances to the same extent as for all
other
advances made pursuant to Section 5.03. Without limiting the generality of
the
foregoing, the Company shall continue, and is hereby authorized and empowered,
to execute and deliver on behalf of itself and the Purchasers, 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. If reasonably required by the Company,
the
Purchaser shall furnish the Company with any powers of attorney and other
documents necessary or appropriate to enable the Company to carry out its
servicing and administrative duties under this Agreement.
In
servicing and administering the Mortgage Loans, the Company shall employ
procedures (including collection procedures) and exercise the same care that
it
customarily employs and exercises in servicing and administering mortgage
loans
for its own account, giving due consideration to Accepted Servicing Practices
where such practices do not conflict with the requirements of this Agreement,
and the Purchaser’s reliance on the Company.
The
Mortgage Loans may be subserviced by the Subservicer on behalf of the Company
provided that the Subservicer is a Xxxxxx Xxx-approved lender or a Xxxxxxx
Mac
seller/servicer in good standing, and no event has occurred, including but
not
limited to a change in insurance coverage, which would make it unable to
comply
with the eligibility requirements for lenders imposed by Xxxxxx Xxx or for
seller/servicers imposed by Xxxxxxx Mac, or which would require notification
to
Xxxxxx Xxx or Xxxxxxx Mac. The Company may perform any of its servicing
responsibilities hereunder or may cause the Subservicer to perform any such
servicing responsibilities on its behalf, but the use by the Company of the
Subservicer shall not release the Company from any of its obligations hereunder
and the Company shall remain responsible hereunder for all acts and omissions
of
the Subservicer as fully as if such acts and omissions were those of the
Company. The Company shall pay all fees and expenses of the Subservicer from
its
own funds, and the Subservicer’s fee shall not exceed the Servicing
Fee.
At
the
cost and expense of the Company, without any right of reimbursement from
the
Custodial Account, the Company shall be entitled to terminate the rights
and
responsibilities of the 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 Company, at the
Company’s option, from electing to service the related Mortgage Loans itself. In
the event that the Company’s responsibilities and duties under this Agreement
are terminated pursuant to Section 9.04, 10.01 or 11.02, and if requested
to do
so by the Purchaser, the Company shall at its own cost and expense terminate
the
rights and responsibilities of the Subservicer as soon as is reasonably
possible. The Company shall pay all fees, expenses or penalties necessary
in
order to terminate the rights and responsibilities of the Subservicer from
the
Company’s own funds without reimbursement from the Purchaser.
Notwithstanding
any of the provisions of this Agreement relating to agreements or arrangements
between the Company and the Subservicer or any reference herein to actions
taken
through the Subservicer or otherwise, the Company shall not be relieved of
its
obligations to the Purchaser 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 Company shall be entitled to enter into an agreement
with the Subservicer for indemnification of the Company by the Subservicer
and
nothing contained in this Agreement shall be deemed to limit or modify such
indemnification.
Any
Subservicing Agreement and any other transactions or services relating to
the
Mortgage Loans involving the Subservicer shall be deemed to be between the
Subservicer and Company alone, and the Purchaser shall have no obligations,
duties or liabilities with respect to the Subservicer including no obligation,
duty or liability of Purchaser to pay the Subservicer’s fees and expenses. For
purposes of distributions and advances by the Company pursuant to this
Agreement, the Company shall be deemed to have received a payment on a Mortgage
Loan when the Subservicer has received such payment.
|
Section
4.02
|
Liquidation
of Mortgage Loans.
|
In
the
event that any payment due under any Mortgage Loan and not postponed pursuant
to
Section 4.01 is not paid when the same becomes due and payable, or in the
event
the Mortgagor fails to perform any other covenant or obligation under the
Mortgage Loan and such failure continues beyond any applicable grace period,
the
Company shall take such action as (1) the Company would take under similar
circumstances with respect to a similar mortgage loan held for its own account
for investment, (2) shall be consistent with Accepted Servicing Practices,
(3)
the Company shall determine prudently to be in the best interest of Purchaser,
and (4) is consistent with any related PMI Policy. In the event that any
payment
due under any Mortgage Loan is not postponed pursuant to Section 4.01 and
remains delinquent for a period of 90 days or any other default continues
for a
period of 90 days beyond the expiration of any grace or cure period, the
Company
shall commence foreclosure proceedings, provided that, prior to commencing
foreclosure proceedings, the Company shall notify the Purchaser in writing
of
the Company’s intention to do so, and the Company shall not commence foreclosure
proceedings if the Purchaser objects to such action within 10 Business Days
of
receiving such notice. In the event the Purchaser objects to such foreclosure
action, the Company shall not be required to make Monthly Advances with respect
to such Mortgage Loan, pursuant to Section 5.03, and the Company’s obligation to
make such Monthly Advances shall terminate on the 90th day referred to above.
In
such connection, the Company shall from its own funds make all necessary
and
proper Servicing Advances, provided, however, that the Company shall not
be
required to expend its own funds in connection with any foreclosure or towards
the restoration or preservation of any Mortgaged Property, unless it shall
determine (a) that such preservation, restoration and/or foreclosure will
increase the proceeds of liquidation of the Mortgage Loan to Purchaser after
reimbursement to itself for such expenses and (b) that such expenses will
be
recoverable by it either through Liquidation Proceeds (respecting which it
shall
have priority for purposes of withdrawals from the Custodial Account pursuant
to
Section 4.05) or through Insurance Proceeds (respecting which it shall have
similar priority).
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 Company has
reasonable cause to believe that a Mortgaged Property is contaminated by
hazardous or toxic substances or wastes, or if the Purchaser otherwise requests
an environmental inspection or review of such Mortgaged Property to be conducted
by a qualified inspector. Upon completion of the inspection, the Company
shall
promptly provide the Purchaser with a written report of the environmental
inspection.
After
reviewing the environmental inspection report, the Purchaser shall determine
how
the Company shall proceed with respect to the Mortgaged Property. In the
event
(a) the environmental inspection report indicates that the Mortgaged
Property is contaminated by hazardous or toxic substances or wastes and
(b) the Purchaser directs the Company to proceed with foreclosure or
acceptance of a deed in lieu of foreclosure, the Company shall be reimbursed
for
all costs associated with such foreclosure or acceptance of a deed in lieu
of
foreclosure and any related environmental clean up costs, as applicable,
from
the related Liquidation Proceeds, or if the Liquidation Proceeds are
insufficient to fully reimburse the Company, the Company shall be entitled
to be
reimbursed from amounts in the Custodial Account pursuant to Section 4.05
hereof. In the event the Purchaser directs the Company not to proceed with
foreclosure or acceptance of a deed in lieu of foreclosure, the Company shall
be
reimbursed for all Servicing Advances made with respect to the related Mortgaged
Property from the Custodial Account pursuant to Section 4.05
hereof.
|
Section
4.03
|
Collection
of Mortgage Loan Payments.
|
Continuously
from the date hereof until the principal and interest on all Mortgage Loans
are
paid in full, the Company shall proceed diligently to collect all payments
due
under each of the Mortgage 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 Mortgage
Loan
and the 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
4.04
|
Establishment
of and Deposits to Custodial Account.
|
The
Company shall segregate and hold all funds collected and received pursuant
to a
Mortgage Loan separate and apart from any of its own funds and general assets
and shall establish and maintain one or more Custodial Accounts, in the form
of
time deposit or demand accounts, titled “Countrywide Home Loans, Inc. in trust
for EMC Mortgage Corporation, as purchaser of Residential Adjustable Rate
Mortgage Loans and various Mortgagors”. The Custodial Account shall be
established with a Qualified Depository acceptable to the Purchaser. Any
funds
deposited in the Custodial Account shall at all times be fully insured to
the
full extent permitted under applicable law. Funds deposited in the Custodial
Account may be drawn on by the Company in accordance with Section 4.05. The
creation of any Custodial Account shall be evidenced by a certification in
the
form of Exhibit
D-1
hereto,
in the case of an account established with the Company, or by a letter agreement
in the form of Exhibit
D-2
hereto,
in the case of an account held by a depository other than the Company. A
copy of
such certification or letter agreement shall be furnished to the Purchaser
and,
upon request, to any subsequent Purchaser.
The
Company shall deposit in the Custodial Account within two Business Days of
receipt, and retain therein, the following collections received by the Company
and payments made by the Company after the related Cut-off Date, (other than
payments of principal and interest due on or before the related Cut-off Date,
or
received by the Company prior to the related Cut-off Date but allocable to
a
period subsequent thereto or with respect to each LPMI Loan, in the amount
of
the LPMI Fee):
(i) all
payments on account of principal on the Mortgage Loans, including all Principal
Prepayments;
(ii) all
payments on account of interest on the Mortgage Loans adjusted to the Mortgage
Loan Remittance Rate;
(iii) all
Liquidation Proceeds;
(iv) all
Insurance Proceeds including amounts required to be deposited pursuant to
Section 4.10, Section 4.11, Section 4.14 and Section 4.15;
(v) all
Condemnation Proceeds which are not applied to the restoration or repair
of the
Mortgaged Property or released to the Mortgagor in accordance with Section
4.14;
(vi) any
amount required to be deposited in the Custodial Account pursuant to Section
4.01, 4.09, 5.03, 6.01 or 6.02;
(vii) any
amounts payable in connection with the repurchase of any Mortgage Loan pursuant
to Section 3.03, 3.05 or 3.07 and all amounts required to be deposited by
the
Company in connection with a shortfall in principal amount of any Qualified
Substitute Mortgage Loan pursuant to Section 3.03;
(viii) with
respect to each Principal Prepayment in full or in part, the Prepayment Interest
Shortfall Amount, if any, for the month of distribution. Such deposit shall
be
made from the Company’s own funds, without reimbursement therefor up to a
maximum amount per month of the Servicing Fee actually received for such
month
for the Mortgage Loans;
(ix) any
amounts required to be deposited by the Company pursuant to Section 4.11
in
connection with the deductible clause in any blanket hazard insurance policy;
and
(x) any
amounts received with respect to or related to any REO Property and all REO
Disposition Proceeds pursuant to Section 4.16.
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 late payment charges and assumption
fees, to the extent permitted by Section 6.01, need not be deposited by the
Company 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 Company and the Company shall be entitled to retain and withdraw such
interest from the Custodial Account pursuant to Section 4.05.
|
Section
4.05
|
Permitted
Withdrawals From Custodial Account.
|
The
Company shall, from time to time, withdraw funds from the Custodial Account
for
the following purposes:
(i) to
make
payments to the Purchaser in the amounts and in the manner provided for in
Section 5.01;
(ii) to
reimburse itself for Monthly Advances of the Company’s funds made pursuant to
Section 5.03, the Company’s right to reimburse itself pursuant to this subclause
(ii) being limited to amounts received on the related Mortgage Loan which
represent late payments of principal and/or interest respecting which any
such
advance was made, it being understood that, in the case of any such
reimbursement, the Company’s right thereto shall be prior to the rights of
Purchaser, except that, where the Company is required to repurchase a Mortgage
Loan pursuant to Section 3.03, 3.05, 3.07 or 6.02, the Company’s right to such
reimbursement shall be subsequent to the payment to the Purchaser of the
Repurchase Price pursuant to such sections and all other amounts required
to be
paid to the Purchaser with respect to such Mortgage Loan;
(iii) to
reimburse itself for unreimbursed Servicing Advances, and for any unpaid
Servicing Fees, the Company’s right to reimburse itself pursuant to this
subclause (iii) with respect to any Mortgage Loan being limited to related
Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds and such
other
amounts as may be collected by the Company from the Mortgagor or otherwise
relating to the Mortgage Loan, it being understood that, in the case of any
such
reimbursement, the Company’s right thereto shall be prior to the rights of
Purchaser except where the Company is required to repurchase a Mortgage Loan
pursuant to Section 3.03, 3.05, 3.07 or 6.02, in which case the Company’s right
to such reimbursement shall be subsequent to the payment to the Purchasers
of
the Repurchase Price pursuant to such sections and all other amounts required
to
be paid to the Purchasers with respect to such Mortgage Loan;
(iv) to
pay
itself interest on funds deposited in the Custodial Account;
(v) to
reimburse itself for expenses incurred and reimbursable to it pursuant to
Section 9.01;
(vi) to
pay
any amount required to be paid pursuant to Section 4.16 related to any REO
Property, it being understood that in the case of any such expenditure or
withdrawal related to a particular REO Property, the amount of such expenditure
or withdrawal from the Custodial Account shall be limited to amounts on deposit
in the Custodial Account with respect to the related REO Property;
(vii) to
clear
and terminate the Custodial Account upon the termination of this Agreement;
and
(viii) to
withdraw funds deposited in error.
In
the
event that the Custodial Account is interest bearing, on each Remittance
Date,
the Company shall withdraw all funds from the Custodial Account except for
those
amounts which, pursuant to Section 5.01, the Company is not obligated to
remit
on such Remittance Date. The Company may use such withdrawn funds only for
the
purposes described in this Section 4.05.
|
Section
4.06
|
Establishment
of and Deposits to Escrow Account.
|
The
Company shall segregate and hold all funds collected and received pursuant
to a
Mortgage Loan constituting Escrow Payments separate and apart from any of
its
own funds and general assets and shall establish and maintain one or more
Escrow
Accounts, in the form of time deposit or demand accounts, titled, “Countrywide
Home Loans, Inc., in trust for the EMC Mortgage Corporation, as purchaser
of
Residential Adjustable Rate Mortgage Loans and various Mortgagors”. The Escrow
Accounts shall be established with a Qualified Depository, in a manner which
shall provide maximum available insurance thereunder. Funds deposited in
the
Escrow Account may be drawn on by the Company in accordance with Section
4.07.
The creation of any Escrow Account shall be evidenced by a certification
in the
form of Exhibit
E-1
hereto,
in the case of an account established with the Company, or by a letter agreement
in the form of Exhibit
E-2
hereto,
in the case of an account held by a depository other than the Company. A
copy of
such certification shall be furnished to the Purchaser and, upon request,
to any
subsequent Purchaser.
The
Company shall deposit in the Escrow Account or Accounts within two Business
Days
of receipt, and retain therein:
(i) all
Escrow Payments collected on account of the Mortgage 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 which are
to be
applied to the restoration or repair of any Mortgaged Property.
The
Company shall make withdrawals from the Escrow Account only to effect such
payments as are required under this Agreement, as set forth in Section 4.07.
The
Company shall be entitled to 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 Mortgagor. To the extent required
by
law, the Company shall pay interest on escrowed funds to the Mortgagor
notwithstanding that the Escrow Account may be non-interest bearing or that
interest paid thereon is insufficient for such purposes.
|
Section
4.07
|
Permitted
Withdrawals From Escrow Account.
|
Withdrawals
from the Escrow Account or Accounts may be made by the Company
only:
(i) to
effect
timely payments of ground rents, taxes, assessments, water rates, mortgage
insurance premiums, condominium charges, fire and hazard insurance premiums
or
other items constituting Escrow Payments for the related Mortgage;
(ii) to
reimburse the Company for any Servicing Advances made by the Company pursuant
to
Section 4.08 with respect to a related Mortgage Loan, but only from amounts
received on the related Mortgage Loan which represent late collections of
Escrow
Payments thereunder;
(iii) to
refund
to any Mortgagor any funds found to be in excess of the amounts required
under
the terms of the related Mortgage Loan;
(iv) for
transfer to the Custodial Account and application to reduce the principal
balance of the Mortgage Loan in accordance with the terms of the related
Mortgage and Mortgage Note;
(v) for
application to restoration or repair of the Mortgaged Property in accordance
with the procedures outlined in Section 4.14;
(vi) to
pay to
the Company, or any Mortgagor to the extent required by law, any interest
paid
on the funds deposited in the Escrow Account;
(vii) to
clear
and terminate the Escrow Account on the termination of this Agreement;
and
(viii) to
withdraw funds deposited in error.
|
Section
4.08
|
Payment
of Taxes, Insurance and Other Charges.
|
With
respect to each Mortgage Loan, the Company shall maintain accurate records
reflecting the status of ground rents, taxes, assessments, water rates, sewer
rents, and other charges which are or may become a lien upon the Mortgaged
Property and the status of PMI Policy premiums and 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, employing for such purpose deposits
of the Mortgagor in the Escrow Account which shall have been estimated and
accumulated by the Company in amounts sufficient for such purposes, as allowed
under the terms of the Mortgage. To the extent that a Mortgage does not provide
for Escrow Payments, the Company shall determine that any such payments are
made
by the Mortgagor at the time they first become due. The Company assumes full
responsibility for the timely payment of all such bills and shall effect
timely
payment of all such charges irrespective of each Mortgagor’s faithful
performance in the payment of same or the making of the Escrow Payments,
and the
Company shall make advances from its own funds to effect such
payments.
|
Section
4.09
|
Protection
of Accounts.
|
The
Company may transfer the Custodial Account or the Escrow Account to a different
Qualified Depository from time to time. Upon any such transfer, the Company
shall promptly notify the Purchaser and deliver to the Purchaser a Custodial
Account Certification or Escrow Account Certification (as applicable) in
the
form of Exhibit D-1 or E-1 to this agreement.
The
Company shall bear any expenses, losses or damages sustained by the Purchaser
because 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 Company 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
Company 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 Determination Date next following
the
date of such Eligible Investment, provided, however, that if such Eligible
Investment is an obligation of a Qualified Depository (other than the Company)
that maintains the Custodial Account or the Escrow Account, then such Eligible
Investment may mature on such Remittance Date. Any such Eligible Investment
shall be made in the name of the Company in trust for the benefit of the
Purchaser. All income on or gain realized from any such Eligible Investment
shall be for the benefit of the Company and may be withdrawn at any time
by the
Company. Any losses incurred in respect of any such investment shall be
deposited in the Custodial Account or the Escrow Account, by the Company
out of
its own funds immediately as realized.
|
Section
4.10
|
Maintenance
of Hazard Insurance.
|
The
Company shall cause to be maintained for each Mortgage Loan hazard insurance
such that all buildings upon the Mortgaged Property are insured by a generally
acceptable insurer rated A:VI or better in the current Best’s Key Rating Guide
(“Best’s”)
against loss by fire, hazards of extended coverage and such other hazards
as are
customary in the area where the Mortgaged Property is located, in an amount
which is at least equal to the lesser of (i) the replacement value of the
improvements securing such Mortgage Loan and (ii) the greater of (a) the
outstanding principal balance of the Mortgage Loan and (b) an amount such
that
the proceeds thereof shall be sufficient to prevent the Mortgagor or the
loss
payee from becoming a co-insurer.
If
a
Mortgaged Property is located in an area identified in the Federal Register
by
the Flood Emergency Management Agency as having special flood hazards (and
such
flood insurance has been made available) a flood insurance policy meeting
the
requirements of the current guidelines of the Federal Insurance Administration
is in effect with a generally acceptable insurance carrier rated A:VI or
better
in Best’s in an amount representing coverage equal to the lesser of (i) the
minimum amount required, under the terms of coverage, to compensate for any
damage or loss on a replacement cost basis (or the unpaid balance of the
mortgage if replacement cost coverage is not available for the type of building
insured) and (ii) the maximum amount of insurance which is available under
the
Flood Disaster Protection Act of 1973, as amended. If at any time during
the
term of the Mortgage Loan, the Company determines in accordance with applicable
law and pursuant to the Xxxxxx Xxx Guides that a Mortgaged Property is located
in a special flood hazard area and is not covered by flood insurance or is
covered in an amount less than the amount required by the Flood Disaster
Protection Act of 1973, as amended, the Company shall notify the related
Mortgagor that the Mortgagor must obtain such flood insurance coverage, and
if
said Mortgagor fails to obtain the required flood insurance coverage within
forty-five (45) days after such notification, the Company shall immediately
force place the required flood insurance on the Mortgagor’s behalf.
If
a
Mortgage is secured by a unit in a condominium project, the Company shall
verify
that the coverage required of the owner’s association, including hazard, flood,
liability, and fidelity coverage, is being maintained in accordance with
then
current Xxxxxx Mae requirements, and secure from the owner’s association its
agreement to notify the Company promptly of any change in the insurance coverage
or of any condemnation or casualty loss that may have a material effect on
the
value of the Mortgaged Property as security.
The
Company shall cause to be maintained on each Mortgaged Property earthquake
or
such other or additional insurance as may be required pursuant to such
applicable laws and regulations as shall at any time be in force and as shall
require such additional insurance, or pursuant to the requirements of any
private mortgage guaranty insurer, or as may be required to conform with
Accepted Servicing Practices.
In
the
event that any Purchaser or the Company shall determine that the Mortgaged
Property should be insured against loss or damage by hazards and risks not
covered by the insurance required to be maintained by the Mortgagor pursuant
to
the terms of the Mortgage, the Company shall communicate and consult with
the
Mortgagor with respect to the need for such insurance and bring to the
Mortgagor’s attention the desirability of protection of the Mortgaged
Property.
All
policies required hereunder shall name the Company as loss payee and shall
be
endorsed with standard or union mortgagee clauses, without contribution,
which
shall provide for at least 30 days prior written notice of any cancellation,
reduction in amount or material change in coverage.
The
Company shall not interfere with the Mortgagor’s freedom of choice in selecting
either his insurance carrier or agent, provided, however, that the Company
shall
not accept any such insurance policies from insurance companies unless such
companies are rated A:VI or better in Best’s and are licensed to do business in
the jurisdiction in which the Mortgaged Property is located. The Company
shall
determine that such policies provide sufficient risk coverage and amounts,
that
they insure the property owner, and that they properly describe the property
address. The Company shall furnish to the Mortgagor a formal notice of
expiration of any such insurance in sufficient time for the Mortgagor to
arrange
for renewal coverage by the expiration date.
Pursuant
to Section 4.04, any amounts collected by the Company under any such policies
(other than amounts to be deposited in the Escrow Account and applied to
the
restoration or repair of the related Mortgaged Property, or property acquired
in
liquidation of the Mortgage Loan, or to be released to the Mortgagor, in
accordance with the Company’s normal servicing procedures as specified in
Section 4.14) shall be deposited in the Custodial Account subject to withdrawal
pursuant to Section 4.05.
|
Section
4.11
|
Maintenance
of Mortgage Impairment Insurance.
|
In
the
event that the Company shall obtain and maintain a blanket policy insuring
against losses arising from fire and hazards covered under extended coverage
on
all of the Mortgage Loans, then, to the extent such policy provides coverage
in
an amount equal to the amount required pursuant to Section 4.10 and otherwise
complies with all other requirements of Section 4.10, it shall conclusively
be
deemed to have satisfied its obligations as set forth in Section 4.10. Any
amounts collected by the Company under any such policy relating to a Mortgage
Loan shall be deposited in the Custodial Account subject to withdrawal pursuant
to Section 4.05. Such policy may contain a deductible clause, in which case,
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, the Company shall deposit in
the
Custodial Account at the time of such loss the amount not otherwise payable
under the blanket policy because of such deductible clause, such amount to
deposited from the Company’s funds, without reimbursement therefor. Upon request
of any Purchaser, the Company shall cause to be delivered to such Purchaser
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 such Purchaser.
|
Section
4.12
|
Maintenance
of Fidelity Bond and Errors and Omissions Insurance.
|
The
Company shall maintain with responsible companies, at its own expense, a
blanket
Fidelity Bond and an Errors and Omissions Insurance Policy, with broad coverage
on all officers, employees or other persons acting in any capacity requiring
such persons to handle funds, money, documents or papers relating to the
Mortgage Loans (“Company
Employees”).
Any
such Fidelity Bond and Errors and Omissions Insurance Policy shall be in
the
form of the Mortgage Banker’s Blanket Bond and shall protect and insure the
Company against losses, including forgery, theft, embezzle-ment, fraud, errors
and omissions and negligent acts of such Company Employees. Such Fidelity
Bond
and Errors and Omissions Insurance Policy also shall protect and insure the
Company against losses in connection with 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 such Fidelity
Bond
and Errors and Omissions Insurance Policy shall diminish or relieve the Company
from its duties and obligations as set forth in this Agreement. The minimum
coverage under any such bond and insurance policy shall be acceptable to
Xxxxxx
Xxx or Xxxxxxx Mac. Upon the request of any Purchaser, the Company shall
cause
to be delivered to such Purchaser a certified true copy of such fidelity
bond
and insurance policy and a statement from the surety and the insurer that
such
fidelity bond and insurance policy shall in no event be terminated or materially
modified without 30 days’ prior written notice to the Purchaser.
|
Section
4.13
|
Inspections.
|
The
Company shall inspect the Mortgaged Property as often as deemed necessary
by the
Company to assure itself that the value of the Mortgaged Property is being
preserved. In addition, if any Mortgage Loan is more than 60 days delinquent,
the Company immediately shall inspect the Mortgaged Property and shall conduct
subsequent inspections in accordance with Accepted Servicing Practices or
as may
be required by the primary mortgage guaranty insurer. The Company shall keep
a
written report of each such inspection.
|
Section
4.14
|
Restoration
of Mortgaged Property.
|
The
Company need not obtain the approval of the Purchaser prior to releasing
any
Insurance Proceeds or Condemnation Proceeds to the Mortgagor to be applied
to
the restoration or repair of the Mortgaged Property if such release is in
accordance with Accepted Servicing Practices. At a minimum, the Company shall
comply with the following conditions in connection with any such release
of
Insurance Proceeds or Condemnation Proceeds:
(i) the
Company shall receive satisfactory independent verification of completion
of
repairs and issuance of any required approvals with respect thereto;
(ii) the
Company 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
Company shall verify that the Mortgage Loan is not in default; and
(iv) pending
repairs or restoration, the Company shall place the Insurance Proceeds or
Condemnation Proceeds in the Custodial Account.
If
the
Purchaser is named as an additional loss payee, the Company is hereby empowered
to endorse any loss draft issued in respect of such a claim in the name of
the
Purchaser.
|
Section
4.15
|
Maintenance
of PMI and LPMI Policy; Claims.
|
(a)
With
respect to each Mortgage Loan with a LTV in excess of 95%, the Company
shall:
(i)
with
respect to Mortgage Loans which are not LPMI Loans, in accordance with state
and
federal laws and without any cost to the Purchaser, maintain or cause the
Mortgagor to maintain in full force and effect a PMI Policy with a minimum
of
35% coverage insuring that portion of the Mortgage Loan in excess of 68%
(or
such other percentage as stated in the related Acknowledgment Agreement)
of
value, and shall pay or shall cause the Mortgagor to pay the premium thereon
on
a timely basis, until the LTV of such Mortgage Loan is reduced to 80%. In
the
event that such PMI Policy shall be terminated, the Company shall obtain
from
another Qualified Insurer a comparable replacement policy, with a total coverage
equal to the remaining coverage of such terminated PMI Policy, at substantially
the same fee level. If the insurer shall cease to be a Qualified Insurer,
the
Company shall determine whether recoveries under the PMI Policy are jeopardized
for reasons related to the financial condition of such insurer, it being
understood that the Company shall in no event have any responsibility or
liability for any failure to recover under the PMI Policy for such reason.
If
the Company determines that recoveries are so jeopardized, it shall notify
the
Purchaser and the Mortgagor, if required, and obtain from another Qualified
Insurer a replacement insurance policy. The Company shall not take any action
which would result in noncoverage under any applicable PMI Policy of any
loss
which, but for the actions of the Company would have been covered thereunder.
In
connection with any assumption or substitution agreement entered into or
to be
entered into pursuant to Section 4.01, the Company shall promptly notify
the
insurer under the related PMI Policy, if any, of such assumption or substitution
of liability in accordance with the terms of such PMI Policy and shall take
all
actions which may be required by such insurer as a condition to the continuation
of coverage under such PMI Policy. If such PMI Policy is terminated as a
result
of such assumption or substitution of liability, the Company shall obtain
a
replacement PMI Policy as provided above.
(ii)
with
respect to LPMI Loans, maintain in full force and effect an LPMI Policy insuring
that portion of the Mortgage Loan with a minimum of 35% coverage insuring
that
portion of the Mortgage Loan in excess of 68% (or such other percentage as
stated in the related Acknowledgment Agreement) of value, and from time to
time,
withdraw the LPMI Fee with respect to such LPMI Loan from the Custodial Account
in order to pay the premium thereon on a timely basis, until the LTV of such
Mortgage Loan is reduced to 80%. In the event that the interest payments
made
with respect to any LPMI Loan are less than the LPMI Fee, the Company shall
advance from its own funds the amount of any such shortfall in the LPMI Fee,
in
payment of the premium on the related LPMI Policy. Any such advance shall
be a
Servicing Advance subject to reimbursement pursuant to the provisions on
Section
2.05. In the event that such LPMI Policy shall be terminated, the Company
shall
obtain from another Qualified Insurer a comparable replacement policy, with
a
total coverage equal to the remaining coverage of such terminated LPMI Policy,
at substantially the same fee level. If the insurer shall cease to be a
Qualified Insurer, the Company shall determine whether recoveries under the
LPMI
Policy are jeopardized for reasons related to the financial condition of
such
insurer, it being understood that the Company shall in no event have any
responsibility or liability for any failure to recover under the LPMI Policy
for
such reason. If the Company determines that recoveries are so jeopardized,
it
shall notify the Purchaser and the Mortgagor, if required, and obtain from
another Qualified Insurer a replacement insurance policy. The Company shall
not
take any action which would result in noncoverage under any applicable LPMI
Policy of any loss which, but for the actions of the Company 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 Company
shall
promptly notify the insurer under the related LPMI Policy, if any, of such
assumption or substitution of liability in accordance with the terms of such
LPMI Policy and shall take all actions which may be required by such insurer
as
a condition to the continuation of coverage under such PMI Policy. If such
LPMI
Policy is terminated as a result of such assumption or substitution of
liability, the Company shall obtain a replacement LPMI Policy as provided
above.
(b) In
connection with its activities as servicer, the Company agrees to prepare
and
present, on behalf of itself and the Purchaser, claims to the insurer under
any
PMI Policy or LPMI Policy in a timely fashion in accordance with the terms
of
such PMI Policy or LPMI Policy and, in this regard, to take such action as
shall
be necessary to permit recovery under any PMI Policy or LPMI Policy respecting
a
defaulted Mortgage Loan. Pursuant to Section 4.04, any amounts collected
by the
Company under any PMI Policy or LPMI Policy shall be deposited in the Custodial
Account, subject to withdrawal pursuant to Section 4.05.
(c) Purchaser,
in its sole discretion, at any time, may (i) either obtain an additional
PMI
Policy on any Mortgage Loan which already has a PMI Policy in place, or (ii)
obtain a PMI Policy for any Mortgage Loan which does not already have a PMI
Policy in place. In any event, the Company agrees to administer such PMI
Policies in accordance with the Agreement or any Reconstitution
Agreement.
|
Section
4.16
|
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 Purchaser, or in the event the Purchaser 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 Company 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 Purchaser shall acknowledge in
writing
that such title is being held as nominee for the Purchaser.
The
Company shall manage, conserve, protect and operate each REO Property for
the
Purchaser solely for the purpose of its prompt disposition and sale. The
Company, either itself or through an agent selected by the Company, shall
manage, conserve, protect and operate the 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 Company 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 Company deems
to
be in the best interest of the Purchaser.
The
Company shall use its best efforts to dispose of the REO Property as soon
as
possible and shall sell such REO Property in any event within one year after
title has been taken to such REO Property, unless (i) (A) a REMIC election
has
not been made with respect to the arrangement under which the Mortgage Loans
and
the REO Property are held, and (ii) the Company determines, and gives an
appropriate notice to the Purchaser to such effect, that a longer period
is
necessary for the orderly liquidation of such REO Property. If a period longer
than one year is permitted under the foregoing sentence and is necessary
to sell
any REO Property the Company shall report monthly to the Purchaser as to
the
progress being made in selling such REO Property.
The
Company shall also maintain on each REO Property fire and hazard insurance
with
extended coverage in 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 the amount required above.
The
disposition of REO Property shall be carried out by the Company at such price,
and upon such terms and conditions, as the Company deems to be in the best
interests of the Purchaser. The proceeds of 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 Company shall reimburse itself
for
any related unreimbursed Servicing Advances, unpaid Servicing Fees and
unreimbursed advances made pursuant to Section 5.03, and on the Remittance
Date
immediately following the Principal Prepayment Period in which such sale
proceeds are received the net cash proceeds of such sale remaining in the
Custodial Account shall be distributed to the Purchaser.
The
Company shall withdraw the Custodial Account funds necessary for the proper
operation, management and maintenance of the REO Property, including the
cost of
maintaining any hazard insurance pursuant to Section 4.10 and the fees of
any
managing agent of the Company, a Subservicer, or the Company itself. The
REO
management fee shall be an amount that is reasonable and customary in the
area
where the Mortgaged Property is located. The Company shall make monthly
distributions on each Remittance Date to the Purchasers 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 4.16 and of any reserves reasonably
required from time to time to be maintained to satisfy anticipated liabilities
for such expenses).
|
Section
4.17
|
Real
Estate Owned Reports.
|
Together
with the statement furnished pursuant to Section 5.02, the Company shall
furnish
to the Purchaser 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 Company’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 Purchaser shall reasonably request.
|
Section
4.18
|
Liquidation
Reports.
|
Upon
the
foreclosure sale of any Mortgaged Property or the acquisition thereof by
the
Purchaser pursuant to a deed in lieu of foreclosure, the Company shall submit
to
the Purchaser a liquidation report with respect to such Mortgaged
Property.
|
Section
4.19
|
Reports
of Foreclosures and Abandonments of Mortgaged Property.
|
Following
the foreclosure sale or abandonment of any Mortgaged Property, the Company
shall
report such foreclosure or abandonment as required pursuant to Section 6050J
of
the Code.
|
Section
4.20
|
Notification
of Adjustments.
|
With
respect to each Mortgage Loan, the Company shall adjust the Mortgage Interest
Rate on the related Interest Rate Adjustment Date and shall adjust the Monthly
Payment on the related Payment Adjustment Date in compliance with the
requirements of applicable law and the related Mortgage and Mortgage Note.
If,
pursuant to the terms of the Mortgage Note, another index is selected for
determining the Mortgage Interest Rate, the same index will be used with
respect
to each Mortgage Note which requires a new index to be selected, provided
that
such selection does not conflict with the terms of the related Mortgage Note.
The Company 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 the Monthly Payment adjustments.
The
Company shall promptly upon written request thereof, deliver to the Purchaser
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 Company, or the Purchaser that the Company has failed to
adjust
a Mortgage Interest Rate or a Monthly Payment pursuant to the terms of the
related Mortgage Note and Mortgage, the Company shall immediately deposit
in the
Custodial Account from its own funds the amount of any interest loss caused
the
Purchaser thereby.
ARTICLE
V
PAYMENTS
TO PURCHASER
|
Section
5.01
|
Remittances.
|
On
each
Remittance Date the Company shall remit by wire transfer of immediately
available funds to the Purchaser (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 Company is obligated to distribute
pursuant to Section 5.03, minus (c) any amounts attributable to Principal
Prepayments received after the applicable Principal Prepayment 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 4.04(viii),
and 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 Remittance Date next succeeding
the
Due Period for such amounts.
With
respect to any remittance received by the Purchaser after the second Business
Day following the Business Day on which such payment was due, the Company
shall
pay to the Purchaser interest on any such late payment at an annual rate
equal
to the Prime Rate, adjusted as of the date of each change, plus three 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 Company
on
the date such late payment is made and shall cover the period commencing
with
the day following such second 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 Remittance Date.
The
payment by the Company of any such interest shall not be deemed an extension
of
time for payment or a waiver of any Event of Default by the
Company.
|
Section
5.02
|
Statements
to Purchaser.
|
Not
later
than the 10th
day of
each calendar month, the Company shall furnish to the Purchaser a Monthly
Remittance Advice, with a trial balance report attached thereto, in the form
of
Exhibit
F
annexed
hereto electronic medium mutually acceptable to the parties as to the preceding
calendar month and the Due Period in the month of remittance
In
addition, not more than 60 days after the end of each calendar year, the
Company
shall furnish to each Person who was a Purchaser at any time during such
calendar year an annual statement in accordance with the requirements of
applicable federal income tax law as to the aggregate of remittances for
the
applicable portion of such year. Nothing in this Section 5.02 shall be deemed
to
require the Company to prepare any 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, or any successor
forms,
to be filed on behalf of any REMIC under the REMIC Provisions.
|
Section
5.03
|
Monthly
Advances by Company.
|
On
the
Business Day immediately preceding each Remittance Date, either (a) the Company
shall deposit in the Custodial Account from its own funds or (b) if funds
are on
deposit in the Custodial Account which are not required to be remitted on
the
related Remittance Date, the Company may make an appropriate entry in its
records that such funds shall be applied toward the related Monthly Advance
(provided, that any funds so applied shall be replaced by the Company no
later
than the Business Day immediately preceding the next Remittance Date), in
each
case, in an aggregate 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. The Company’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 Insurance Proceeds and Condemnation
Proceeds) with respect to the Mortgage Loan.
In
no
event shall the Company be obligated to make an advance under this section
5.03
if at the time of such advance it deems such advance to be non-recoverable.
The
Company shall promptly deliver an officer’s certificate to the Purchaser upon
determining that any advance is non-recoverable. In the event that upon
liquidation of the Mortgage Loan, the Liquidation Proceeds are insufficient
to
reimburse the Company for any Monthly Advances, the Company shall notify
the
related Purchaser of such shortfall by registered mail with sufficient
supporting documentation and shall have the right to deduct such shortfall
from
the next remittance to be paid to the related Purchaser.
ARTICLE
VI
GENERAL
SERVICING PROCEDURES
Section
6.01 Transfers
of Mortgaged Property.
The
Company shall use its best efforts to enforce any “due-on-sale” provision
contained in any Mortgage or Mortgage Note and to deny assumption by the
person
to whom the Mortgaged Property has been or is about to be sold whether by
absolute conveyance or by contract of sale, and whether or not the Mortgagor
remains liable on the Mortgage and the Mortgage Note. When the Mortgaged
Property has been conveyed by the Mortgagor, the Company shall, to the extent
it
has knowledge of such conveyance, exercise its rights to accelerate the maturity
of such Mortgage Loan under the “due-on-sale” clause applicable thereto,
provided, however, that the Company shall not exercise such rights if prohibited
by law from doing so or if the exercise of such rights would impair or threaten
to impair any recovery under the related PMI or LPMI Policy, if
any.
If
the
Company reasonably believes it is unable under applicable law to enforce
such
“due-on-sale” clause, the Company shall enter into (i) an assumption and
modification agreement with the person to whom such property has been conveyed,
pursuant to which such person becomes liable under the Mortgage Note and
the
original Mortgagor remains liable thereon or (ii) in the event the Company
is
unable under applicable law to require that the original Mortgagor remain
liable
under the Mortgage Note and the Company has the prior consent of the primary
mortgage guaranty insurer, a substitution of liability agreement with the
purchaser of the Mortgaged Property pursuant to which the original Mortgagor
is
released from liability and the purchaser of the Mortgaged Property is
substituted as Mortgagor and becomes liable under the Mortgage Note. If an
assumption fee is collected by the Company for entering into an assumption
agreement, a portion of such fee, up to an amount equal to one percent (1.0%)
of
the outstanding principal balance of the related Mortgage Loan, will be retained
by the Company as additional servicing compensation, and any portion thereof
in
excess one percent (1.0%) shall be deposited in the Custodial Account for
the
benefit of the Purchaser. In connection with any such assumption or substitution
of liability, neither the Mortgage Interest Rate borne by the related Mortgage
Note, the term of the Mortgage Loan, the Index, the Lifetime Mortgage Interest
Rate Cap, the Initial Rate Cap or the Gross Margin of any Mortgage Loan,
nor the
outstanding principal amount of the Mortgage Loan shall be changed.
To
the
extent that any Mortgage Loan is assumable, the Company shall inquire diligently
into the creditworthiness of the proposed transferee, and shall use the
underwriting criteria for approving the credit of the proposed transferee
which
are used by Xxxxxx Xxx with respect to underwriting mortgage loans of the
same
type as the Mortgage Loans. If the credit of the proposed transferee does
not
meet such underwriting criteria, the Company diligently shall, to the extent
permitted by the Mortgage or the Mortgage Note and by applicable law, accelerate
the maturity of the Mortgage Loan.
|
Section
6.02
|
Satisfaction
of Mortgages and Release of Mortgage Files.
|
Upon
the
payment in full of any Mortgage Loan, or the receipt by the Company of a
notification that payment in full will be escrowed in a manner customary
for
such purposes, the Company shall notify the Purchaser in the Monthly Remittance
Advice as provided in Section 5.02, and may request the release of any Mortgage
Loan Documents. In connection with any such prepayment in full, the Company
shall comply with all applicable laws regarding satisfaction, release or
reconveyance with respect to the Mortgage.
If
the
Company satisfies or releases a Mortgage without first having obtained payment
in full of the indebtedness secured by the Mortgage or should the Company
otherwise prejudice any rights the Purchaser may have under the mortgage
instruments, upon written demand of the Purchaser, the Company shall repurchase
the related Mortgage Loan at the Repurchase Price by deposit thereof in the
Custodial Account within 2 Business Days of receipt of such demand by the
Purchaser. The Company shall maintain the Fidelity Bond and Errors and Omissions
Insurance Policy as provided for in Section 4.12 insuring the Company against
any loss it may sustain with respect to any Mortgage Loan not satisfied in
accordance with the procedures set forth herein.
|
Section
6.03
|
Servicing
Compensation.
|
As
compensation for its services hereunder, the Company shall be entitled to
withdraw from the Custodial Account or to retain from interest payments on
the
Mortgage Loans the amount of its Servicing Fee. The Servicing Fee shall be
payable monthly and shall be computed on the basis of the same unpaid principal
balance and for the period respecting which any related interest payment
on a
Mortgage Loan is computed. The Servicing Fee shall be payable only at the
time
of and with respect to those Mortgage Loans for which payment is in fact
made of
the entire amount of the Monthly Payment. The obligation of the Purchaser
to pay
the Servicing Fee is limited to, and payable solely from, the interest portion
of such Monthly Payments collected by the Company.
Additional
servicing compensation in the form of assumption fees, to the extent provided
in
Section 6.01, and late payment charges and Prepayment Penalties, shall be
retained by the Company to the extent not required to be deposited in the
Custodial Account. The Company shall be required to pay all expenses incurred
by
it in connection with its servicing activities hereunder and shall not be
entitled to reimbursement thereof except as specifically provided for herein.
Notwithstanding anything in this Agreement to the contrary, in the event
of a
Principal Prepayment in full, the Company shall not waive, and shall not
permit
the waiver of, any Prepayment Penalty or portion thereof required by the
terms
of the related Mortgage Note unless (i) the Company determines that such
waiver
would maximize recovery of Liquidations Proceeds for such Mortgage Loan,
taking
into account the value of such Prepayment Penalty, or (ii) (A) the
enforeceability therefore is limited (1) by bankruptcy, insolvency, moratorium,
receivership, or other similar law relating to creditors’ rights generally or
(2) due to acceleration in connection with a foreclosure or other involuntary
payment or (B) the enforceability is otherwise limited or prohibited by
applicable law.
|
Section
6.04
|
Annual
Statement as to Compliance.
|
The
Company shall deliver to the Purchaser, on or before May 31 each year beginning
May 31, 2003, an Officer’s Certificate, stating that (i) a review of the
activities of the Company during the preceding calendar year and of performance
under this Agreement has been made under such officer’s supervision, and (ii)
the Company has complied fully with the provisions of Article II and Article
IV,
and (iii) to the best of such officer’s knowledge, based on such review, the
Company has fulfilled all its obligations under this Agreement throughout
such
year, or, if there has been a default in the fulfillment of any such obligation,
specifying each such default known to such officer and the nature and status
thereof and the action being taken by the Company to cure such
default.
|
Section
6.05
|
Annual
Independent Public Accountants’ Servicing Report.
|
On
or
before May 31st of each year beginning May 31, 2003, the Company, at its
expense, shall cause a firm of independent public accountants which is a
member
of the American Institute of Certified Public Accountants to furnish a statement
to each Purchaser to the effect that such firm has examined certain documents
and records relating to the servicing of the Mortgage Loans and this Agreement
and that such firm is of the opinion that the provisions of Article II and
Article IV have been complied with, and that, on the basis of such examination
conducted substantially in compliance with the 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 such firm shall believe to be immaterial, and (ii) such
other
exceptions as shall be set forth in such statement.
|
Section
6.06
|
Right
to Examine Company Records.
|
The
Purchaser shall have the right to examine and audit any and all of the books,
records, or other information of the Company, whether held by the Company
or by
another on its behalf, with respect to or concerning this Agreement or the
Mortgage Loans, during business hours or at such other times as may be
reasonable under applicable circumstances, upon reasonable advance
notice.
IN
WITNESS WHEREOF,
the
Company and the Purchaser have caused their names to be signed hereto by
their
respective officers thereunto duly authorized as of the day and year first
above
written.
|
EMC
MORTGAGE CORPORATION
|
||
|
By:
|
||
|
Name:
|
Xxxxxx Xxxxx | |
|
Title:
|
President | |
|
COUNTRYWIDE
HOME LOANS, INC.
|
||
|
By:
|
||
|
Name:
|
||
| Title: | ||
|
STATE
OF NEW YORK
|
)
|
|
|
)
|
ss.:
|
|
|
COUNTY
OF _______________________
|
)
|
On
the __
day of ________, 200_ before me, a Notary Public in and for said State,
personally appeared ________, known to me to be Vice President of EMC Mortgage
Corporation, the federal savings 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 affixed my office seal the day
and
year in this certificate first above written.
|
Notary
Public
|
| My Commission expires |
|
STATE
OF NEW YORK
|
)
|
|
|
)
|
ss.:
|
|
|
COUNTY
OF _______________________
|
)
|
On
the __
day of _______, 200_ before me, a Notary Public in and for said State,
personally appeared __________, known to me to be ______________ of Countrywide
Home Loans, Inc. the corporation 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 affixed my office seal the day
and
year in this certificate first above written.
|
Notary
Public
|
| My Commission expires |
EXHIBIT
A
MORTGAGE
LOAN SCHEDULE
EXHIBIT
B
CONTENTS
OF EACH MORTGAGE FILE
With
respect to each Mortgage Loan, the Mortgage File shall include each of the
following items, which shall be available for inspection by the Purchaser
and
any prospective Purchaser, and which shall be retained by the Company in
the
Servicing File or delivered to the Custodian pursuant to Section 2.01 and
2.03
of the Seller’s Warranties and Servicing Agreement to which this Exhibit is
attached (the “Agreement”):
|
1.
|
The
original Mortgage Note bearing all intervening endorsements, endorsed
“Pay
to the order of _________ without recourse” and signed in the name of the
Company by an authorized officer (in the event that the Mortgage
Loan was
acquired by the Company in a merger, the signature must be in the
following form: “Countrywide Home Loans, Inc., successor by merger to
[name of predecessor]”; and in the event that the Mortgage Loan was
acquired or originated by the Company while doing business under
another
name, the signature must be in the following form: “Countrywide Home
Loans, Inc., formerly known as [previous
name]”).
|
|
2.
|
The
original of any guarantee executed in connection with the Mortgage
Note
(if any).
|
|
3.
|
The
original Mortgage, with evidence of recording thereon. If in connection
with any Mortgage Loan, the Company cannot deliver or cause to
be
delivered the original Mortgage with evidence of recording thereon
on or
prior to the related Closing Date because of a delay caused by
the public
recording office where such Mortgage has been delivered for recordation
or
because such Mortgage has been lost or because such public recording
office retains the original recorded Mortgage, the Company shall
deliver
or cause to be delivered to the Custodian, a photocopy of such
Mortgage,
together with (i) in the case of a delay caused by the public recording
office, an Officer’s Certificate of the Company stating that such Mortgage
has been dispatched to the appropriate public recording office
for
recordation and that the original recorded Mortgage or a copy of
such
Mortgage certified by such public recording office to be a true
and
complete copy of the original recorded Mortgage will be promptly
delivered
to the Custodian upon receipt thereof by the Company; or (ii) in
the case
of a Mortgage where a public recording office retains the original
recorded Mortgage or in the case where a Mortgage is lost after
recordation in a public recording office, a copy of such Mortgage
certified by such public recording office or by the title insurance
company that issued the title policy to be a true and complete
copy of the
original recorded Mortgage.
|
|
4.
|
The
originals of all assumption, modification, consolidation or extension
agreements, with evidence of recording
thereon.
|
|
5.
|
The
original Assignment of Mortgage for each Mortgage Loan, in form
and
substance acceptable for recording, delivered in blank. If the
Mortgage
Loan was acquired by the Company in a merger, the Assignment of
Mortgage
must be made by “Countrywide Home Loans, Inc., successor by merger to
[name of predecessor].” If the Mortgage Loan was acquired or originated by
the Company while doing business under another name, the Assignment
of
Mortgage must be by “Countrywide Home Loans, Inc., formerly known as
[previous name].”
|
|
6.
|
Originals
of all intervening assignments of the Mortgage with evidence of
recording
thereon, or if any such intervening assignment has not been returned
from
the applicable recording office or has been lost or if such public
recording office retains the original recorded assignments of mortgage,
the Company shall deliver or cause to be delivered to the Custodian,
a
photocopy of such intervening assignment, together with (i) in
the case of
a delay caused by the public recording office, an Officer’s Certificate of
the Company stating that such intervening assignment of mortgage
has been
dispatched to the appropriate public recording office for recordation
and
that such original recorded intervening assignment of mortgage
or a copy
of such intervening assignment of mortgage certified by the appropriate
public recording office or by the title insurance company that
issued the
title policy to be a true and complete copy of the original recorded
intervening assignment of mortgage will be promptly delivered to
the
Custodian upon receipt thereof by the Company; or (ii) in the case
of an
intervening assignment where a public recording office retains
the
original recorded intervening assignment or in the case where an
intervening assignment is lost after recordation in a public recording
office, a copy of such intervening assignment certified by such
public
recording office to be a true and complete copy of the original
recorded
intervening assignment.
|
|
7.
|
The
original mortgagee policy of title insurance or attorney’s opinion of
title and abstract of title.
|
|
8.
|
Any
security agreement, chattel mortgage or equivalent executed in
connection
with the Mortgage.
|
|
9.
|
The
original hazard insurance policy and, if required by law, flood
insurance
policy, in accordance with Section 4.10 of the
Agreement.
|
|
10.
|
Residential
loan application.
|
|
11.
|
Mortgage
Loan closing statement.
|
|
12.
|
Verification
of employment and income.
|
|
13.
|
Verification
of acceptable evidence of source and amount of
downpayment.
|
|
14.
|
Credit
report on the Mortgagor.
|
|
15.
|
Residential
appraisal report.
|
|
16.
|
Photograph
of the Mortgaged Property.
|
|
17.
|
Survey
of the Mortgaged Property.
|
|
18.
|
Copy
of each instrument necessary to complete identification of any
exception
set forth in the exception schedule in the title policy, i.e.,
map or
plat, restrictions, easements, sewer agreements, home association
declarations, etc.
|
|
19.
|
All
required disclosure statements.
|
|
20.
|
If
available, termite report, structural engineer’s report, water potability
and septic certification.
|
|
21.
|
Sales
contract.
|
|
22.
|
Tax
receipts, insurance premium receipts, ledger sheets, payment history
from
date of origination, insurance claim files, correspondence, current
and
historical computerized data files, and all other processing, underwriting
and closing papers and records which are customarily contained
in a
mortgage loan file and which are required to document the Mortgage
Loan or
to service the Mortgage Loan.
|
In
the
event an Officer’s Certificate of the Company is delivered to the Custodian
because of a delay caused by the public recording office in returning any
recorded document, the Company shall deliver to the Custodian, within 180
days
of the related Closing Date, an Officer’s Certificate which shall (i) identify
the recorded document, (ii) state that the recorded document has not been
delivered to the Custodian due solely to a delay caused by the public recording
office, (iii) state the amount of time generally required by the applicable
recording office to record and return a document submitted for recordation,
and
(iv) specify the date the applicable recorded document will be delivered
to the
Custodian. The Company shall be required to deliver to the Custodian the
applicable recorded document by the date specified in (iv) above. An extension
of the date specified in (iv) above may be requested from the Purchaser,
which
consent shall not be unreasonably withheld.
EXHIBIT
C
MORTGAGE
LOAN DOCUMENTS
The
Mortgage Loan Documents for each Mortgage Loan shall include each of the
following items, which shall be delivered to the Custodian pursuant to Section
2.01 of the Seller’s Warranties and Servicing Agreement to which this Exhibit is
annexed (the “Agreement”):
(a) the
original Mortgage Note bearing all intervening endorsements, endorsed “Pay to
the order of ___________, without recourse” and signed in the name of the
Company by an authorized officer. To the extent that there is no room on
the
face of the Mortgage Note for endorsements, the endorsement may be contained
on
an allonge, if state law so allows. If the Mortgage Loan was acquired by
the
Company in a merger, the endorsement must be by “Countrywide Home Loans, Inc.,
successor by merger to [name of predecessor].” If the Mortgage Loan was acquired
or originated by the Company while doing business under another name, the
endorsement must be by “Countrywide Home Loans, Inc., formerly known as
[previous name]”;
(b) the
original of any guarantee executed in connection with the Mortgage
Note;
(c) the
original Mortgage with evidence of recording thereon, and the original recorded
power of attorney, if the Mortgage was executed pursuant to a power of attorney,
with evidence of recording thereon;
(d) the
originals of all assumption, modification, consolidation or extension
agreements, with evidence of recording thereon;
(e) the
original Assignment of Mortgage for each Mortgage Loan, in form and substance
acceptable for recording, delivered in blank, or the original Assignment
of
Mortgage in recordable form into MERS. If the Mortgage Loan was acquired
by the
Company in a merger, the Assignment of Mortgage must be made by “Countrywide
Home Loans, Inc., successor by merger to [name of predecessor].” If the Mortgage
Loan was acquired or originated by the Company while doing business under
another name, the Assignment of Mortgage must be by “Countrywide Home Loans,
Inc., formerly known as [previous name];”
(f) the
originals of all intervening assignments of mortgage with evidence of recording
thereon, including warehousing assignments, if any;
(g) the
original mortgagee title insurance policy;
(h) such
other documents as the Purchaser may require.
EXHIBIT
D-1
CUSTODIAL
ACCOUNT CERTIFICATION
_____________________,
200_
Countrywide
Home Loans, Inc. hereby certifies that it has established the account described
below as a Custodial Account pursuant to Section 4.04 of the Seller’s Warranties
and Servicing Agreement, dated as of September 1, 2002, Residential Adjustable
Rate Mortgage Loans.
|
Title
of Account: Countrywide
Home Loans, Inc. in trust for the Purchaser
|
||
|
Account
Number: _______________
|
||
|
Address
of office or branch
of
the Company at
|
||
| which Account is maintained: | ||
|
Countrywide
Home Loans, Inc.
|
||
|
Company
|
|
By:
|
|||
| Name: | |||
| Title: |
EXHIBIT
D-2
CUSTODIAL
ACCOUNT LETTER AGREEMENT
_________________,
200_
To:
(the
“Depository”)
As
Company under the Seller’s Warranties and Servicing Agreement, dated as of
September 1, 2002, Residential Adjustable Rate Mortgage Loans (the “Agreement”),
we hereby authorize and request you to establish an account, as a Custodial
Account pursuant to Section 4.04 of the Agreement, to be designated as
“[Servicer] in trust for the Purchaser - Residential Adjustable Rate Mortgage
Loans.” All deposits in the account shall be subject to withdrawal therefrom by
order signed by the Company. You may refuse any deposit which would result
in
violation of the requirement that the account be fully insured as described
below. This letter is submitted to you in duplicate. Please execute and return
one original to us.
[COUNTRYWIDE
HOME LOANS, INC.]
|
By:
|
|||
| Name: | |||
| Title: | |||
| Date: |
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. The full amount deposited at any time in the account will
be
insured by the Federal Deposit Insurance Corporation through the Bank Insurance
Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”).
|
Depository
|
|||
|
By:
|
|||
| Name: | |||
| Title: | |||
| Date: | |||
EXHIBIT
E-1
ESCROW
ACCOUNT CERTIFICATION
__________________,
200_
Countrywide
Home Loans, Inc. hereby certifies that it has established the account described
below as an Escrow Account pursuant to Section 4.06 of the Seller’s Warranties
and Servicing Agreement, dated as of September 1, 2002, Residential Adjustable
Rate Mortgage Loans.
|
Title
of Account: “Countrywide
Home Loans, Inc. in trust for the Purchaser and various
Mortgagors.”
|
||
|
Account
Number: _______________
|
||
|
Address
of office or branch
of
the Company at
|
||
| which Account is maintained: | ||
|
[COUNTRYWIDE
HOME LOANS, INC.]
|
||
|
By:
|
|||
| Name: | |||
| Title: |
EXHIBIT
E-2
ESCROW
ACCOUNT LETTER AGREEMENT
___________________,
200_
| To: | ||||
(the
“Depository”)
As
Company under the Seller’s Warranties and Servicing Agreement, dated as of
September 1, 2002 Residential Adjustable Rate Mortgage Loans (the “Agreement”),
we hereby authorize and request you to establish an account, as an Escrow
Account pursuant to Section 4.07 of the Agreement, to be designated as
“[Servicer], in trust for the Purchaser - Residential Adjustable Rate Mortgage
Loans.” All deposits in the account shall be subject to withdrawal therefrom by
order signed by the Company. You may refuse any deposit which would result
in
violation of the requirement that the account be fully insured as described
below. This letter is submitted to you in duplicate. Please execute and return
one original to us.
|
[COUNTRYWIDE
HOME LOANS, INC.]
|
|||
|
By:
|
|||
| Name: | |||
| Title: | |||
| Date: | |||
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. The full amount deposited at any time in the account will
be
insured by the Federal Deposit Insurance Corporation through the Bank Insurance
Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”).
|
Depository
|
|||
|
By:
|
|||
| Name: | |||
| Title: | |||
| Date: | |||
EXHIBIT
F
MONTHLY
REMITTANCE ADVICE
EXHIBIT
G
ASSIGNMENT
AND ASSUMPTION
_________________,
200_
ASSIGNMENT
AND ASSUMPTION, dated __________, between __________________________________,
a
___________________ corporation having an office at __________________
(“Assignor”) and _________________________________, a __________________
corporation having an office at __________________ (“Assignee”):
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 Assignee all of the right,
title and interest of Assignor, as purchaser, in, to and under that certain
Seller’s Warranties and Servicing Agreement, Residential Adjustable Rate
Mortgage Loans (the “Seller’s Warranties and Servicing Agreement”), dated as of
September 1, 2002, by and between EMC Mortgage Corporation (the “Purchaser”),
and Countrywide Home Loans, Inc. (the “Company”), and the Mortgage Loans
delivered thereunder by the Company to the Assignor.
2. The
Assignor warrants and represents to, and covenants with, the Assignee
that:
a. The
Assignor is the lawful owner of the Mortgage Loans with the full right to
transfer the Mortgage Loans free from any and all claims and encumbrances
whatsoever;
b. The
Assignor has not received notice of, and has no knowledge of, any offsets,
counterclaims or other defenses available to the Company with respect to
the
Seller’s Warranties and Servicing Agreement or the Mortgage Loans;
c. The
Assignor has not waived or agreed to any waiver under, or agreed to any
amendment or other modification of, the Seller’s Warranties and Servicing
Agreement, the Custodial Agreement or the Mortgage Loans, including without
limitation the transfer of the servicing obligations under the Seller’s
Warranties and Servicing Agreement. The Assignor has no knowledge of, and
has
not received notice of, any waivers under or amendments or other modifications
of, or assignments of rights or obligations under, the Seller’s Warranties and
Servicing Agreement or the Mortgage Loans; and
d. Neither
the Assignor nor anyone acting on its behalf has offered, transferred, pledged,
sold or otherwise disposed of the Mortgage Loans, any interest in the Mortgage
Loans or any other similar security to, or solicited any offer to buy or
accept
a transfer, pledge or other disposition of the Mortgage Loans, any interest
in
the Mortgage Loans or any other similar security from, or otherwise approached
or negotiated with respect to the Mortgage Loans, any interest in the Mortgage
Loans 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 Mortgage
Loans under the Securities Act of 1933 (the “33 Act”) or which would render the
disposition of the Mortgage Loans a violation of Section 5 of the 33 Act
or
require registration pursuant thereto.
3. The
Assignee warrants and represents to, and covenants with, the Assignor and
the
Company that:
a. The
Assignee agrees to be bound, as Purchaser, by all of the terms, covenants
and
conditions of the Seller’s Warranties and Servicing Agreement, the Mortgage
Loans and the Custodial Agreement, and from and after the date hereof, the
Assignee assumes for the benefit of each of the Company and the Assignor
all of
the Assignor’s obligations as Purchaser thereunder;
b. The
Assignee understands that the Mortgage Loans have not been registered under
the
33 Act or the securities laws of any state;
c. The
purchase price being paid by the Assignee for the Mortgage Loans are in excess
of $250,000 and will be paid by cash remittance of the full purchase price
within 60 days of the sale;
d. The
Assignee is acquiring the Mortgage Loans for investment for its own account
only
and not for any other person. In this connection, neither the Assignee nor
any
Person authorized to act therefor has offered the Mortgage Loans by means
of any
general advertising or general solicitation within the meaning of Rule 502(c)
of
U.S. Securities and Exchange Commission Regulation D, promulgated under the
1933
Act;
e. The
Assignee 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 Mortgage
Loans;
f. The
Assignee has been furnished with all informa-tion regarding the Mortgage
Loans
that it has requested from the Assignor or the Company;
g. Neither
the Assignee nor anyone acting on its behalf has offered, transferred, pledged,
sold or otherwise disposed of the Mortgage Loans, any interest in the Mortgage
Loans or any other similar security to, or solicited any offer to buy or
accept
a transfer, pledge or other disposition of the Mortgage Loans, any interest
in
the Mortgage Loans or any other similar security from, or otherwise approached
or negotiated with respect to the Mortgage Loans, any interest in the Mortgage
Loans or any other similar security with, any person in any manner which
would
constitute a distribution of the Mortgage Loans under the 33 Act or which
would
render the disposition of the Mortgage Loans a violation of Section 5 of
the 33
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 Mortgage Loans; and
h. Either:
(1) the Assignee is not an employee benefit plan (“Plan”) within the meaning of
section 3(3) of the Employee Retirement Income Security Act of 1974, as amended
(“ERISA”) or a plan (also “Plan”) within the meaning of section 4975(e)(1) of
the Internal Revenue Code of 1986 (“Code”), and the Assignee is not directly or
indirectly purchasing the Mortgage Loans on behalf of, investment manager
of, as
named fiduciary of, as Trustee of, or with assets of, a Plan; or (2) the
Assignee’s purchase of the Mortgage Loans will not result in a prohibited
transaction under section 406 of ERISA or section 4975 of the Code.
i. The
Assignee’s address for purposes of all notices and correspondence related to the
Mortgage Loans and the Seller’s Warranties and Servicing Agreement
is:
Attention:
The
Assignee’s wire transfer instructions for purposes of all remittances and
payments related to the Mortgage Loans and the Seller’s Warranties and Servicing
Agreement are:
IN
WITNESS WHEREOF, the parties have caused this Assignment and Assumption to
be
executed by their duly authorized officers as of the date first above
written.
|
Assignor
|
Assignee
|
|||
| By: | By: | |||
|
Its:
|
Its:
|
EXHIBIT
H
UNDERWRITING
GUIDELINES
EXHIBIT
I
ACKNOWLEDGMENT
AGREEMENT
On
this
____ day of ____________, 200_, EMC Mortgage Corporation, (the “Purchaser”) as
the Purchaser under that certain Seller’s Warranties and Servicing Agreement
dated as of September 1, 2002, (the “Agreement”), does hereby contract with
Countrywide Home Loans Inc. (the “Company”) as Company under the Agreement, for
the servicing responsibilities related to the Mortgage Loans listed on the
related Mortgage Loan Schedule attached hereto. The Company hereby accepts
the
servicing responsibilities transferred hereby and on the date hereof assumes
all
servicing responsibilities related to the Mortgage Loans identified on the
related Mortgage Loan Schedule all in accordance with the Agreement. The
contents of each Servicing File required to be delivered to service the Mortgage
Loans pursuant to the Agreement have been or shall be delivered to the Company
by the Purchaser in accordance with the terms of the Agreement.
With
respect to the Mortgage Loans made subject to the Agreement hereby, the related
Closing Date shall be ___________________.
All
other
terms and conditions of this transaction shall be governed by the
Agreement.
Capitalized
terms used herein and not otherwise defined shall have the meanings set forth
in
the Agreement.
This
Acknowledgment 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.
IN
WITNESS WHEREOF, the Purchaser and the Company have caused their names to
be
signed hereto by their respective officers thereunto duly authorized as of
the
day and year first above written.
|
PURCHASER:
EMC
MORTGAGE CORPORATION
|
|||
|
By:
|
|||
| Name: | |||
| Title: | |||
|
SELLER:
COUNTRYWIDE
HOME LOANS, INC.
|
|||
|
By:
|
|||
| Name: | |||
| Title: | |||
EXHIBIT
H-2
SERVICING
AGREEMENT
GMAC
MORTGAGE CORPORATION
FORM
OF
GMAC SERVICING AGREEMENT
EMC
MORTGAGE CORPORATION
Owner
GMAC
MORTGAGE CORPORATION
Servicer
SERVICING
AGREEMENT
Dated
as
of May 1, 2001
THIS
IS A
SERVICING AGREEMENT, dated as of May 1, 2001, and is executed between EMC
Mortgage Corporation (the "Owner") and GMAC Mortgage Corporation (the
"Servicer").
W
I T N E
S S E T H :
WHEREAS,
the Owner is the owner of the Mortgage Loans;
WHEREAS,
the Owner and the Servicer wish to prescribe the permanent management,
servicing
and control of the Mortgage Loans;
NOW,
THEREFORE, in consideration of the mutual agreements hereinafter set forth,
and
for other good and valuable consideration, the receipt and adequacy of
which is
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 meaning specified in this
Article:
Accepted
Servicing Practices:
With
respect to any Mortgage Loan, those mortgage servicing practices (including
collection procedures) that are in accordance with the Xxxxxx Xxx
Guide.
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.
Agreement:
This
Servicing Agreement including all exhibits hereto, amendments hereof and
supplements hereto.
ARM
Loans:
First
lien, conventional, 1-4 family residential Mortgage Loans with interest
rates
which adjust from time to time in accordance with the related Index and
are
subject to Periodic Rate Caps and Lifetime Rate Caps and which do not permit
conversion to fixed interest rates.
BIF:
The
Bank Insurance Fund, or any successor thereto.
Business
Day:
Any day
other than (i) a Saturday or Sunday, or (ii) a legal holiday in the States
of
New York, Iowa or the Commonwealth of Pennsylvania, or (iii) a day on which
banks in the States of New York, Iowa or Pennsylvania 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 "GMAC Mortgage Corporation Custodial Account
in
trust for [Owner], Owner of Whole Loan Mortgages and various Mortgagors"
and
shall be established at a Qualified Depository, each of which accounts
shall in
no event contain funds in excess of the FDIC insurance limits.
Custodian:
Xxxxx
Fargo Bank Minnesota, N.A., or such other custodian as Owner shall
designate.
Cut-off
Date:
As
identified on the related Confirmation.
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 Remittance
Date.
Due
Date:
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.
Due
Period:
With
respect to any 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 the Remittance Date.
Effective
Date:
As
identified on the related Confirmation.
Escrow
Account:
The
separate trust account or accounts created and maintained pursuant to Section
4.06 which shall be entitled "GMAC Mortgage Corporation Escrow Account,
in trust
for [Owner], Owner of Whole Loan Mortgages and various Mortgagors" and
shall be
established at a Qualified Depository, each of which accounts shall in
no event
contain funds in excess of the FDIC insurance limits.
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 document.
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.
FDIC:
The
Federal Deposit Insurance Corporation, or any successor thereto.
Fidelity
Bond:
A
fidelity bond to be maintained by the Servicer pursuant to Section
4.12.
FIRREA:
The
Financial Institutions Reform, Recovery, and Enforcement Act of 1989, as
amended
from time to time.
Xxxxxxx
Mac:
Xxxxxxx
Mac, 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 procedures, consistently
applied.
HUD:
The
United States Department of Housing and Urban Development or any
successor.
Index:
With
respect to each ARM Loan, on the related Adjustment Date, the index used
to
determine the Mortgage Interest Rate on each such ARM Loan.
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 each
related
Mortgage Note which is added to the Index in order to determine the related
Mortgage Interest Rate.
Monthly
Advance:
The
aggregate of the advances made by the Servicer on any Remittance Date pursuant
to Section 5.03.
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 first lien on an unsubordinated estate in fee simple in 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, as
adjusted from time to time on each Adjustment Date for such Mortgage Loan
to
equal the Index 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:
The
original mortgage loan legal documents held by the Custodian.
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,
such
schedule being acceptable to the Owner and the Servicer.
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 a Mortgage Note, consisting
of a
single parcel of real estate considered to be real estate under the laws
of the
State in which such real property is located, which may include condominium
units and planned unit developments, improved by a residential
dwelling.
Mortgagor:
The
obligor on a Mortgage Note. The Mortgagor is a natural person who is a
party to
the Mortgage Note and Mortgage in an individual capacity.
Nonrecoverable
Advance:
Any
advance previously made by the Servicer pursuant to Section 5.03 or any
expenses
incurred pursuant to Section 4.08 which, in the good faith judgment of
the
Servicer, may not be ultimately recoverable by the Servicer from Liquidation
Proceeds. 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 detailing the reasons for such
determination.
OCC:
Office
of the Comptroller of the Currency, its successors and assigns.
Officers'
Certificate:
A
certificate signed by the Chairman of the Board, the Vice Chairman of the
Board,
the President, a Senior Vice President or a 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.
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
Owner.
OTS:
Office
of Thrift Supervision, its successors and assigns.
Owner:
EMC
Mortgage Corporation, its successors in interest and assigns.
Partial
Principal Prepayment:
A
Principal Prepayment by a Mortgagor of a partial principal balance of a
Mortgage
Loan.
Pass-Through
Transfer:
The
sale or transfer of same or all of the Mortgage Loans to a trust as part
of a
publicly issued or privately placed, rated or unrated Mortgage pass-through
transaction.
Periodic
Rate Cap:
With
respect to each ARM Loan, the maximum increase or decrease in the Mortgage
Interest Rate on any Adjustment Date.
Permitted
Investments:
Any one
or more of the following obligations or securities:
(i) direct
obligations of, and 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; pro-vided that obligations of Xxxxxxx Mac or Xxxxxx Mae shall
be
Per-mitted Invest-ments only if, at the time of investment, they are rated
in
one of the two highest rating categories by Standard & Poor's Rating
Services, a division of The XxXxxx-Xxxx Companies Inc., Xxxxx'x Investors
Service, Inc. and Fitch IBCA Inc.;
(ii) (a)
demand or time deposits, federal funds or bankers' acceptances issued by
any
depository institu-tion 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
Standard & Poor's Rating Services, a division of The XxXxxx-Xxxx Companies
Inc., Xxxxx'x Investors Service, Inc. and Fitch IBCA Inc. and (b) any other
demand or time deposit or certificate of deposit that is fully insured
by the
Federal Deposit Insurance Cor-poration;
(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 instrumen-tality
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 one of the two highest rating categories by Standard & Poor's
Rating Services, a division of The XxXxxx-Xxxx Companies Inc., Xxxxx'x
Investors
Service, Inc. and Fitch IBCA Inc. at the time of such in-vestment 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 secur-ities issued by such corporation
and held
as Permitted Investments to exceed 10% of the aggregate outstand-ing principal
balances and amounts of all the Permitted Investments;
(v) commercial
paper (including both non-interest-bearing discount obligations and
interest-bearing obliga-tions payable on demand or on a specified date
not more
than one year after the date of issuance there-of) which are rated in one
of the
two highest rating categories by Standard & Poor's Rating Services, a
division of The XxXxxx-Xxxx Companies Inc., Xxxxx'x Investors Service,
Inc. and
Fitch IBCA Inc. 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 of Standard & Poor's Rating Services, a division of
The XxXxxx-Xxxx Companies, Inc., Xxxxx'x Investors Service, Inc. and Fitch
IBCA
Inc.;
(vii) any
money
market funds the collateral of which consists of obligations fully guaranteed
by
the United States of America or any agency or instru-ment-al-ity 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 other securities and
which
money market funds are rated in one of the two highest rating categories
by
Standard & Poor's Rating Services, a division of The XxXxxx-Xxxx Companies
Inc., Xxxxx'x Investors Service, Inc. and Fitch IBCA Inc.; and
(viii) GMAC
Variable Denomination Adjustable Rate Demand Notes constituting unsecured,
senior debt obligations of General Motors Acceptance Corporation as outlined
in
the prospectus dated June 17, 1998 and rated by Moody’s in its highest
short-term rating category available and rated at least D-1 by
Fitch;
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
ob-li-ga-tions underlying such instrument or if such security provides
for
payment of both principal and interest with a yield to matur-ity in excess
of
120% of the yield to maturity at par.
Person:
Any
individual, corporation, partnership, joint venture, association, joint-stock
company, limited liability company, trust, unincorporated organization
or
government or any agency or political subdivision thereof.
Prepayment
Interest Shortfall:
The sum
of the differences between interest actually received in a Due Period as
a
result of a full or partial prepayment or other unscheduled receipt of
principal
(including as a result of a liquidation) on each Mortgage Loan as to which
such
a payment is received and the interest portion of the Monthly Payment of
such
Mortgage Loan scheduled to be due at the applicable Mortgage Loan Remittance
Rate; provided, however, Prepayment Interest Shortfalls shall not include
Full
Principal Prepayments received on or before the 15th
day of
the month in which a Remittance Date occurs which are remitted by the Servicer
to the Owner on such Remittance Date.
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.
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
penalty 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
Appraiser:
An
appraiser, duly appointed by the Servicer, who had no interest, direct
or
indirect in the Mortgaged Property or in any loan made on the security
thereof,
and whose compensation is not affected by the approval or disapproval of
the
Mortgage Loan, which appraiser and the appraisal made by such appraiser
both
satisfy the requirements of Title XI of FIRREA and the regulations promulgated
thereunder, all as in effect on the date the Mortgage Loan was
originated.
Qualified
Depository:
(a) The
Custodian or (b) a depository, the accounts of which are insured by the
FDIC
through the BIF or the SAIF and the short term debt ratings and the long
term
deposit ratings of which are rated in one of the two highest rating categories
by Standard & Poor's Ratings Services, a division of The XxXxxx-Xxxx
Companies Inc., Xxxxx'x Investors Service, Inc., Fitch IBCA Duff &
Xxxxxx.
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, approved as an insurer by Xxxxxx Mae and Xxxxxxx Mac.
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.
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.
SAIF:
The
Savings Association Insurance Fund, or any successor
thereto.
Servicer:
GMAC
Mortgage Corporation, or any of its successors in interest or any successor
under this Agreement appointed as herein provided.
Servicing
Advances:
All
customary, reasonable and necessary "out of pocket" costs and expenses
(including reasonable attorneys' fees and disbursements) incurred prior
to, on
and subsequent to the Effective Date in the performance by the Servicer
of its
servicing obligations relating to each Mortgage Loan, including, but not
limited
to, the cost of (a) the 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 but not limited to, 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 solely from, the interest portion (not including
recoveries of interest from Liquidation Proceeds or otherwise) of such
Monthly
Payment collected by the Servicer, or as otherwise provided under Section
4.05.
Servicing
Fee Rate:
The
Servicing Fee Rate shall be a rate per annum equal to 0.25%.
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.
Stated
Principal Balance:
As to
each Mortgage Loan as of any date of determination, (i) the principal balance
of
such Mortgage Loan after giving effect to payments of principal due, whether
or
not received, minus (ii) all amounts previously distributed to the Owner
with
respect to the Mortgage Loan representing payments or recoveries of principal
or
advances in lieu thereof.
Whole
Loan Transfer:
The
sale or transfer of some or all of the ownership interest in the Mortgage
Loans
by the Owner to one or more third parties in whole loan or participation
format,
which third party may be Xxxxxx Mae or Xxxxxxx Mac.
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.
|
From
and
after the Effective Date, the Servicer does hereby agree to service the
Mortgage
Loans, but subject to the terms of this Agreement. The rights of the Owner
to
receive payments with respect to the Mortgage Loans shall be as set forth
in
this Agreement.
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 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, including
the
Note, the Mortgage, all other Mortgage Loan Documents and all rights, benefits,
proceeds and obligations arising therefrom or in connection therewith,
has been
vested in the Owner. All rights arising out of the Mortgage Loans including,
but
not limited to, 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 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 clearly reflect 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 Mae or
Xxxxxxx
Mac, as applicable, including but not limited to 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 form of microfilm or microfiche or such other
reliable means of recreating original documents, including but not limited
to,
optical imagery techniques so long as the Servicer complies with the
requirements of the Xxxxxx Xxx Guide.
The
Servicer shall maintain with respect to each Mortgage Loan and shall make
available for inspection by any Owner or its designee the related Servicing
File
(or copies thereof) upon reasonable request 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.
|
The
Servicer shall keep at its servicing office books and records in which,
subject
to such reasonable regulations as it may prescribe from time to time, the
Servicer shall note transfers 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 Sections 10.02 and 11.12, 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 the ownership
of the
Mortgage Loans of such assignee, and shall release the previous Owner from
its
obligations hereunder with respect to the Mortgage Loans sold or
transferred.
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 within 180 days of its execution. If delivery is not
completed within 180 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
effect
delivery as soon as possible thereafter.
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.
The
Custodian shall deliver to the Servicer promptly, and in no event later
than
within five (5) Business Days, any requested Mortgage Loan Document previously
delivered to the Custodian, provided that such documentation is promptly
returned to the Custodian when the Servicer no longer requires possession
of the
document, and provided that during the time that any such documentation
is held
by the Servicer, such possession is in trust for the benefit of the
Owner.
|
Section
2.06 Quality
Control Procedures.
|
The
Servicer must have an internal quality control program that verifies, on
a
regular basis, the existence and accuracy of the legal documents, credit
documents, property appraisals, and underwriting decisions. The program
must be
capable of evaluating and monitoring the overall quality of its servicing
activities. The purpose of the program is to ensure that the Mortgage Loans
are
serviced in accordance with prudent mortgage banking practices and accounting
principles; guard against dishonest, fraudulent, or negligent acts; and
guard
against errors and omissions by officers, employees, or other authorized
persons.
ARTICLE
III
REPRESENTATIONS
AND WARRANTIES
OF
THE
SERVICER
The
Servicer represents, warrants and covenants to the Owner that as of the
Effective Date or as of such date specifically provided herein:
(a) The
Servicer is a validly existing corporation in good standing under the laws
of
the State of its organization and is qualified to transact business in,
is in
good standing under the laws of, and possesses all licenses necessary for
the
conduct of its business in, each state in which any Mortgaged Property
is
located or is otherwise exempt or not required under applicable law to
effect
such qualification or license and no demand for such qualification or license
has been made upon the Servicer by any such state, and in any event the
Servicer
is in compliance with the laws of each such State to the extent necessary
to
ensure the enforceability of each Mortgage Loan and the servicing of the
Mortgage Loans in accordance with the terms of this Agreement;
(b) The
Servicer has full power and authority to execute, deliver and perform,
and to
enter into and consummate all transactions contemplated by this Agreement
and to
conduct its business as presently conducted, has duly authorized the execution,
delivery and performance of this Agreement, has duly executed and delivered
this
Agreement, and this Agreement constitutes a legal, valid and binding obligation
of the Servicer, enforceable against it in accordance with its terms subject
to
bankruptcy laws and other similar laws of general application affecting
rights
of creditors and subject to the application of the rules of equity, including
those respecting the availability of specific performance;
(c) None
of
the execution and delivery of this Agreement, the consummation of the
transactions contemplated thereby and hereby, or the fulfillment of or
compliance with the terms and conditions of this Agreement will conflict
with
any of the terms, conditions or provisions of the Servicer's articles of
incorporation or by-laws or materially conflict with or result in a material
breach of any of the terms, conditions or provisions of 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 result in the material violation of any law, rule, regulation,
order, judgment or decree to which the Servicer or its property is
subject;
(d) There
is
no litigation pending or, to the Seller’s knowledge, threatened with respect to
the Servicer which is reasonably likely to have a material adverse effect
on the
execution, delivery or enforceability of this Agreement, or which is reasonably
likely to have a material adverse effect on the financial condition of
the
Servicer;
(e) 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 the consummation of
the
transactions contemplated by this Agreement except for consents, approvals,
authorizations and orders which have been obtained;
(f) The
collection and servicing practices used by the Servicer, with respect to
each
Mortgage Note and Mortgage have been in all material respects legal. With
respect to escrow deposits and payments that the Servicer collects, all
such
payments are in the possession of, or under the control of, the Servicer,
and
there exist no deficiencies in connection therewith for which customary
arrangements for repayment thereof have not been made. No escrow deposits
or
other charges or payments due under the Mortgage Note have been capitalized
under any Mortgage or the related Mortgage Note;
(g) The
Servicer is in good standing to service mortgage loans for Xxxxxx Xxx and
Xxxxxxx Mac and no event has occurred which would make the Servicer unable
to
comply with eligibility requirements or which would require notification
to
either Xxxxxx Mae or Xxxxxxx Mac;
(h) No
written statement, report or other document furnished or to be furnished
pursuant to the Agreement contains or will contain any statement that is
or will
be inaccurate or misleading in any material respect or omits to state a
material
fact required to be stated therein or necessary to make the information
and
statements therein not misleading;
(i) No
fraud
or
misrepresentation of a material fact
with
respect to the servicing of a Mortgage Loan has taken place on the part
of the
Servicer;
(j) At
the
time Servicer commenced servicing the Mortgage Loans, either (i) each
Mortgagor
was properly notified with respect to Servicer's servicing of the related
Mortgage Loan in accordance with the Xxxxxxxx Xxxxxxxx National Affordable
Housing Act of 1990, as the same may be amended from time to time, and
the
regulations provided
in
accordance with the Real Estate Settlement Procedures Act or (ii) such
notification was not required;
(k) At
the
time
Servicer commenced servicing the Mortgage Loans, all
applicable taxing authorities and insurance companies (including primary
mortgage insurance policy insurers, if applicable) and/or agents were notified
of the transfer of the servicing of the Mortgage Loans to Servicer, or
its
designee, and Servicer currently receives all related notices, tax bills
and
insurance statements. Additionally, any and all costs, fees and expenses
associated with the Servicer’s commencement of the servicing of the Mortgage
Loans, including the costs of any insurer notifications, the transfer or
implementation of tax service contracts, flood certification contracts,
and any
and all other servicing transfer-related costs and expenses have been paid
for
by the Servicer and will, in no event, be the responsibility of the Owner;
and
(l) The
collection
and servicing practices with respect to each Mortgage Note and Mortgage
have
been in all material respects legal. With respect to escrow deposits and
payments that the Servicer collects, all such payments are in the possession
of,
or under the control of, the Servicer, and there exist no deficiencies
in
connection therewith for which customary arrangements for repayment thereof
have
not been made. No escrow deposits or other charges or payments due under
the
Mortgage Note have been capitalized under any Mortgage or the related Mortgage
Note.
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 and shall exercise
the same
care that it customarily employs for its own account. Except as set forth
in
this Agreement, the Servicer shall service the Mortgage Loans in accordance
with
Accepted Servicing Practices in compliance with the servicing provisions
of the
Xxxxxx Xxx Guide, which include, but are not limited to, provisions regarding
the liquidation of Mortgage Loans, the collection of Mortgage Loan payments,
the
payment of taxes, insurance and other charges, the maintenance of hazard
insurance with a Qualified Insurer, the maintenance of fidelity bond and
errors
and omissions insurance, inspections, the restoration of Mortgaged Property,
the
maintenance of Primary Mortgage Insurance Policies, insurance claims, and
title
insurance, management of REO Property, permitted withdrawals with respect
to REO
Property, liquidation reports, and reports of foreclosures and abandonments
of
Mortgaged Property, the transfer of Mortgaged Property, the release of
Mortgage
Loan Documents, annual statements, and examination of records and facilities.
In
the event of any conflict, inconsistency or discrepancy between any of
the
servicing provisions of this Agreement and any of the servicing provisions
of
the Xxxxxx Mae Guide, the provisions of this Agreement shall control and
be
binding upon the Owner and the Servicer. The Owner shall, upon reasonable
request, deliver powers-of-attorney to the Servicer sufficient to allow
the
Servicer as servicer to execute all documentation requiring execution on
behalf
of Owner with respect to the servicing of the Mortgage Loans, including
satisfactions, partial releases, modifications and foreclosure documentation
or,
in the alternative, shall as promptly as reasonably possible, execute and
return
such documentation to the Servicer.
Consistent
with the terms of this Agreement, the Servicer may 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
Servicer
has obtained the prior written consent of the Owner, 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. In
the event
of any such modification which has been agreed to in writing by the Owner
and
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 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.
The
Servicer shall perform all of its servicing responsibilities hereunder
or may,
with the Owner's prior written approval, 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 that the Owner shall be requested to consent
to
must be a Xxxxxx Xxx approved seller/servicer or a Xxxxxxx Mac 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 lenders imposed by Xxxxxx Xxx or for
seller/servicers by Xxxxxxx Mac, or which would require notification to
Xxxxxx
Xxx 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, the Servicer shall be entitled to terminate the rights
and
responsibilities of a subservicer and arrange, with the Owner's prior written
approval, 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, 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, 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.
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.
Continuously
from the Effective Date until the date each Mortgage Loan ceases to be
subject
to this Agreement, the Servicer will proceed with reasonable diligence
to
collect all payments due under each Mortgage Loan when the same shall become
due
and payable and shall, to the extent such procedures shall be consistent
with
this Agreement and the terms and provisions of related Primary Mortgage
Insurance Policy, follow such collection procedures as it follows with
respect
to mortgage loans comparable to the Mortgage Loans and held for its own
account.
Further, the Servicer will 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, 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 the procedures
that
the Servicer would use in servicing loans for its own account and the
requirements of the Xxxxxx Mae Guide, 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 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 Proceeds or Liquidation Proceeds
from the related Mortgaged Property, as contemplated in Section 4.05. The
Servicer shall notify the Owner in writing of the commencement of foreclosure
proceedings. 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
from the
related Mortgaged Property, as contemplated 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
with
a written report of the environmental inspection. After reviewing the
environmental inspection report, the Owner shall determine how the Servicer
shall proceed with respect to the Mortgaged Property.
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.
Each
Custodial Account shall be established with a Qualified Depository. To
the
extent such funds are not deposited in a Custodial Account, such funds
may be
invested in Permitted Investments for the benefit of the Owner (with any
income
earned thereon for the benefit of the Servicer). Funds deposited in the
Custodial Account may be drawn on by the Servicer in accordance with Section
4.05. The creation of any Custodial Account shall be evidenced by a letter
agreement in the form shown in Exhibit
B
hereto.
The original of such letter agreement 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 Custodial
Account,
as appropriate, out of the Servicer's own funds, with no right to reimbursement
therefor.
The
Servicer shall deposit in a mortgage clearing account on a daily basis,
and in
the Custodial Account or Accounts no later than the second Business Day
after
receipt of funds and retain therein the following payments and
collections:
(i) all
payments on account of principal, including Principal Prepayments, on the
Mortgage Loans received after the Cut-off Date;
(ii) all
payments on account of interest on the Mortgage Loans adjusted to the related
Mortgage Loan Remittance Rate received after the Cut-off Date;
(iii) all
Liquidation Proceeds and REO Disposition Proceeds received after the Cut-off
Date;
(iv) any
net
amounts received by the Servicer after the Cut-off Date in connection with
any
REO Property pursuant to Section 4.13;
(v) all
Insurance Proceeds received after the Cut-off Date including amounts required
to
be deposited pursuant to Sections 4.08 and 4.10, other than proceeds to
be held
in the Escrow Account and applied to the restoration or repair of the Mortgaged
Property or released to the Mortgagor in accordance with the Servicer's
normal
servicing procedures, the loan documents or applicable law;
(vi) all
Condemnation Proceeds affecting any Mortgaged Property received after the
Cut-off Date other than proceeds to be held in the Escrow Account and applied
to
the restoration or repair of the Mortgaged Property or released to the
Mortgagor
in accordance with the Servicer's normal servicing procedures, the loan
documents or applicable law;
(vii) any
Monthly Advances as provided in Section 5.03;
(viii) any
amounts received after the Cut-off Date and required to be deposited in
the
Custodial Account pursuant to 6.02; and
(ix) with
respect to each full or partial Principal Prepayment received after the
Cut-off
date, any Prepayment Interest Shortfalls, to the extent of the Servicer’s
aggregate Servicing Fee received with respect to the related Due
Period.
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 late payment charges and assumption
fees,
to the extent permitted by Section 6.01, need not be deposited by the Servicer
in the Custodial Account. Any interest paid on funds deposited in the Custodial
Account by the Qualified Depository shall accrue to the benefit of the
Servicer
and the Servicer shall be entitled to retain and withdraw such interest
from the
Custodial Account pursuant to Section 4.05(iv).
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 which represent late collections (net of the related Servicing
Fees) of principal and/or interest respecting which any such advance was
made;
(iii)
to
reimburse itself for unreimbursed Servicing Advances and unreimbursed Monthly
Advances, 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 received after the Cut-off
Date
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 payable Servicing Fee;
(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 inadvertently placed 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. Each Escrow Account shall be established with a Qualified
Depository. To the extent such funds are not deposited in an Escrow Account,
such funds 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 a letter agreement
in
the form shown in Exhibit
C.
The
original of such letter agreement 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, as
appropriate, out of the Servicer's own funds, with no right to reimbursement
therefor.
The
Servicer shall deposit in a mortgage clearing account on a daily basis,
and in
the Escrow Account or Accounts no later than the second Business Day after
receipt of funds 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;
(ii)
all
Insurance Proceeds which are to be applied to the restoration or repair
of any
Mortgaged Property; and
(iii)
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. The Servicer
shall
be entitled to retain any interest paid on funds deposited in an Escrow
Account
by the Qualified Depository other than interest on escrowed funds required
by
law to be paid to the Mortgagor and, to the extent required by law, the
Servicer
shall pay interest on escrowed funds to the Mortgagor notwithstanding that
the
Escrow Account is non-interest bearing or that interest paid thereon is
insufficient for such purposes.
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 Servicer for any Servicing Advance made by 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 an acquisition of
REO
Property;
(v) for
application to restoration or repair of the Mortgaged Property;
(vi) 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;
(vii) to
pay to
the Mortgagors or other parties Insurance Proceeds deposited in accordance
with
Section 4.06;
(viii) to
remove
funds inadvertently placed in an Escrow Account in error by the Servicer;
and
(ix) 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 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 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 determine
that any such payments are made by the Mortgagor at the time they first
become
due. 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.
The
Servicer will maintain in full force and effect Primary Mortgage Insurance
Policies issued by a Qualified Insurer with respect to each Mortgage Loan
for
which such coverage is herein required. Such coverage will be maintained
until
the ratio of the current outstanding principal balance of the related Mortgage
Loan to the appraised value of the related Mortgaged Property, based on
the most
recent appraisal of the Mortgaged Property performed by a Qualified Appraiser,
such appraisal to be included in the Servicing File, is reduced to 80.00%
or
less. The Servicer will not cancel or refuse to renew any Primary Mortgage
Insurance Policy that is required to be kept in force under this Agreement
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 non-coverage 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.
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
of
any such transfer within 15 Business Days of 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 or (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 or (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
the 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 the 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
pursuant to the Xxxxxx Mae Guide or such 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 currently acceptable to Xxxxxx Xxx and are licensed
to
do business in the state wherein the property subject to the policy is
located.
Section
4.11 Adjustments
to Mortgage Interest Rate and Monthly Payment.
On
each
applicable Adjustment Date, the Mortgage Interest Rate shall be adjusted,
in
compliance with the requirements of the related Mortgage and Mortgage Note,
to
equal the sum of the Index plus the Margin (rounded in accordance with
the
related Mortgage Note) subject to the applicable Periodic Rate Cap and
Lifetime
Rate Cap, as set forth in the Mortgage Note. The Servicer shall execute
and
deliver the notices required by each Mortgage and Mortgage Note and applicable
laws and regulations regarding interest rate adjustments.
Section
4.12 Fidelity
Bond, Errors and Omissions Insurance.
The
Servicer shall maintain, at its own expense, a blanket fidelity bond and
an
errors and omissions insurance policy, with broad coverage with responsible
companies on all officers, employees or other persons acting in any capacity
with regard to the 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 required by
Xxxxxx
Mae in the Xxxxxx Xxx Guide or by Xxxxxxx Mac in the Xxxxxxx Mac Guide.
The
Servicer shall, upon request of Owner, deliver to the Owner 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. The Servicer shall notify the Owner within five Business Days
of
receipt of notice that such Fidelity Bond or insurance policy will be,
or has
been, materially modified or terminated. The Owner and its successors or
assigns
as their interests may appear must be named as loss payees on the Fidelity
Bond
and as additional insured on the errors and omissions policy.
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 notify the Owner in accordance with prudent servicing practices
of each acquisition of REO Property upon such acquisition, and thereafter
assume
the responsibility for marketing such 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, unless a REMIC
election
has been made with respect to the arrangement under which the Mortgage
Loans and
REO Property are held and (i) the Owner shall have been supplied with an
Opinion
of Counsel 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 Owner (at the Servicer’s expense) or 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, (i) the
Servicer shall report monthly to the Owner as to progress being made in
selling
such REO Property and (ii) if, with the written consent of the Owner, a
purchase
money mortgage is taken in connection with such sale, such purchase money
mortgage shall name the Servicer as mortgagee, and such purchase money
mortgage
shall not be held pursuant to this Agreement, but instead a separate
participation agreement between the Servicer and Owner shall be entered
into
with respect to such purchase money mortgage.
The
Servicer shall not permit the creation of any “interests” (within the meaning of
Section 860G of the Code) in any REMIC. The Servicer shall not enter into
any
arrangement by which a REMIC will receive a fee or other compensation for
services nor permit a 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.
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 the Xxxxxx Mae Guide, manage, conserve, protect and
operate
each 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.
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. 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, or Monthly Advances made pursuant to
Section
5.03.
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 least monthly thereafter or more frequently as may be required by the
circumstances. 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 be forwarded by the Servicer to the
Owner.
Notwithstanding
anything to the contrary set forth in this Section 4.13, the parties hereto
hereby agree that the Owner, at its option, shall be entitled to manage,
conserve, protect and operate each REO Property for its own benefit (such
option, an "REO Option"). In connection with the exercise of an REO Option,
the
prior two paragraphs and the related provisions of Section 4.03 and Section
4.04(iii) (such provisions, the “REO Marketing Provisions”) shall be revised as
follows. Following the acquisition of any Mortgaged Property, the Servicer
shall
submit a detailed invoice to the Owner for all related Servicing Advances
and,
upon exercising the REO Option, the Owner shall promptly reimburse the
Servicer
for such amounts. In the event the REO Option is exercised with respect
to an
REO Property, Section 4.04 (iii) shall not be applicable thereto. References
made in Section 4.03 with respect to the reimbursement of Servicing Advances
shall, for purposes of such REO Property, be deemed to be covered by this
paragraph. The Owner acknowledges that, in the event it exercises an REO
Option,
with respect to the related REO Property, there shall be no breach by the
Servicer based upon or arising out of the Servicer's failure to comply
with the
REO Marketing Provisions.
ARTICLE
V
PAYMENTS
TO THE OWNER
Section
5.01 Remittances.
On
each
Remittance Date, the Servicer shall remit to the Owner (i) all amounts
credited
to the Custodial Account as of the close of business on the related preceding
Determination Date, except (a) Partial Principal Prepayments received on
or
after the first day of the month in which the Remittance Date occurs shall
be
remitted to the Owner on the next following Remittance Date, (b) Full Principal
Prepayments received on or before the 15th
day of
the month in which a Remittance Date occurs shall be remitted to the Owner
on
the Remittance Date of such month, and (c) Full Principal Prepayments received
after the 15th
day of
the month shall be remitted to the Owner on the next following Remittance
Date,
each net of charges against or withdrawals from the Custodial Account pursuant
to Section 4.05, plus, to the extent not already deposited in the Custodial
Account, the sum of (ii) all Monthly Advances, if any, which the Servicer
is
obligated to distribute pursuant to Section 5.03 and (iii) all Prepayment
Interest Shortfalls the Servicer is required to make up pursuant to Section
4.04, minus (iv) any amounts attributable to Monthly Payments collected
after
the Cut-off Date but due on a Due Date or Dates subsequent to the last
day of
the related Due Period, which amounts shall be remitted on the related
Remittance Date next succeeding the Due Period for such amounts.
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.
The
Servicer shall furnish to the Owner an individual Mortgage Loan accounting
report (a “Report”), as of the last Business Day of each month, in the
Servicer's assigned loan number order to document Mortgage Loan payment
activity
on an individual Mortgage Loan basis. With respect to each month, such
Report
shall be received by the Owner (i) no later than the fifth Business Day
of the
following month of the related Remittance Date on a disk or tape or other
computer-readable format, in such format as may be mutually agreed upon
by both
the Owner and the Servicer, and (ii) no later than the tenth Business Day
of the
following month of the related Remittance Date in hard copy, which Report
shall
contain the following:
| (i) |
with
respect to each Monthly Payment, the amount of such remittance
allocable
to interest
|
| (ii) |
the
amount of servicing compensation received by the Servicer during
the prior
distribution period;
|
| (iii) |
the
aggregate Stated Principal Balance of the Mortgage Loans;
|
| (iv) |
the
number and aggregate outstanding principal balances of Mortgage
Loans (a)
delinquent (1) 30 to 59 days, (2) 60 to 89 days, (3) 90 days
or more; (b)
as to which foreclosure has commenced; and (c) as to which REO
Property
has been acquired; and
|
| (v) |
such
other reports as may reasonably be required by the
Owner.
|
The
Servicer shall also provide a trial balance, sorted in the Owner's assigned
loan
number order, and such other loan level scheduled-scheduled remittance
information as described on Exhibit
E,
in
electronic tape form, with each such Report.
The
Servicer shall prepare and file any and all information statements or other
filings required to be delivered to any governmental taxing authority or
to
Owner pursuant to any applicable law with respect to the Mortgage Loans
and the
transactions contemplated hereby. In addition, the Servicer shall provide
the
Owner with such information concerning the Mortgage Loans as is necessary
for
the Owner to prepare its federal income tax return as the Owner may reasonably
request from time to time.
In
addition, not more than 60 days after the end of each calendar year, the
Servicer shall furnish to each Person who was an Owner at any time during
such
calendar year an annual statement in accordance with the requirements of
applicable federal income tax law as to the aggregate of remittances of
principal and interest for the applicable portion of such year.
Section
5.03 Monthly
Advances by the Servicer.
Not
later
than the close of business on the Business Day preceding each Remittance
Date,
the Servicer shall deposit in the Custodial Account an amount equal to
all
payments not previously advanced by the Servicer, whether or not deferred
pursuant to Section 4.01, of Monthly Payments, adjusted to the related
Mortgage
Loan Remittance Rate, which are delinquent at the close of business on
the
related Determination Date; provided, however, that the amount of any such
deposit may be reduced by (i) the Amount Held for Future Distribution (as
defined below) then on deposit in the Custodial Account, plus (ii) with
respect
to the initial Remittance Date, the Non-held Early Pay Amount (as defined
below). Any portion of the Amount Held for Future Distribution used to
pay
Monthly Advances shall be replaced by the Servicer by deposit into the
Custodial
Account on any future Remittance Date to the extent that the funds that
are
available in the Custodial Account for remittance to the Owner on such
Remittance Date are less than the amount of payments required to be made
to the
Owner on such Remittance Date.
The
“Amount Held for Future Distribution” as to any Remittance Date shall be the
total of the amounts held in the Custodial Account at the close of business
on
the preceding Determination Date which were received after the Cut-off
Date on
account of (i) Liquidation Proceeds, Insurance Proceeds, and Partial Principal
Prepayments received or made in the month of such Remittance Date, (ii)
Full
Principal Payments received after the 15th
day of
the month in the month of such Remittance Date, and (iii) payments which
represent early receipt of scheduled payments of principal and interest
due on a
date or dates subsequent to the related Due Date. The "Non-held Early Pay
Amount" shall be the total of the amounts on account of payments which
represent
early receipt of scheduled payments of principal and interest received
on or
prior to the Cut-off Date.
The
Servicer's obligation to make such Monthly Advances as to any Mortgage
Loan will
continue through the final disposition or liquidation of the Mortgaged
Property,
unless the Servicer deems such advance to be nonrecoverable from Liquidation
Proceeds, REO Disposition Proceeds or Insurance Proceeds with respect to
the
applicable Mortgage Loan. In such latter event, the Servicer shall deliver
to
the Owner an Officer's Certificate of the Servicer to the effect that an
officer
of the Servicer has reviewed the related Servicing File and has obtained
a
recent appraisal and has made the reasonable determination that any additional
advances are nonrecoverable from Liquidation or Insurance Proceeds with
respect
to the applicable Mortgage Loan.
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 a liquidation report with respect to such Mortgaged Property
in such
form as the Servicer and the Owner shall agree. 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 will, 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, with
the
approval of the Owner (such approval not to be unreasonably withheld),
will
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. Where 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 the underwriting practices and procedures of the Xxxxxx Xxx
Guide.
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
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, and unless the related Mortgage Loans
are the
subject of a Pass-Through Transfer, such request is to be acknowledged
by the
Owner. Upon receipt of such certification and request, the Owner shall
promptly
release or cause the Custodian to promptly release the related Mortgage
Loan
Documents to the Servicer and the Servicer shall prepare and deliver for
execution by the Owner or at the Owner's option 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 within two Business Days
to the
Owner the then outstanding principal balance of the related Mortgage Loan
by
deposit thereof in the Custodial Account. The Servicer shall maintain the
Fidelity Bond 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 (and unless the related
Mortgage Loans are the subject of a Pass-Through Transfer, acknowledged
by the
Owner), the Custodian shall release the portion of the Mortgage Loan Documents
held by the 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. Upon receipt of a certificate of
a
Servicing Officer stating that such Mortgage Loan was liquidated, the servicing
receipt shall be released by the Owner or the Custodian, as applicable,
to the
Servicer.
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 assumption fees, as provided
in
Section 6.01, late payment charges and other ancillary fees shall be retained
by
the Servicer to the extent not required to be deposited in the Custodial
Account. 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 will deliver to the Owner not later than 90 days following the
end of
each fiscal year of the Servicer, an Officers' Certificate stating, as
to each
signatory thereof, that (i) a review of the activities of the Servicer
during
the preceding calendar 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 of its
obligations under this Agreement throughout such year, or, if there has
been a
default in the fulfillment of any such obligation, specifying each such
default
known to such officers and the nature and status thereof except for such
defaults as such Officers in their good faith judgment believe to be
immaterial.
Section
6.05 Annual
Independent Certified Public Accountants' Servicing Report.
Not
later
than 90 days following the end of each fiscal year of the Servicer, the
Servicer
at its expense shall 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 Servicer's servicing of mortgage
loans of
the same type as the Mortgage Loans pursuant to servicing agreements
substantially similar to this Agreement, which agreements may include this
Agreement, and that, on the basis of such an examination, conducted
substantially in accordance with the Uniform Single Attestation Program
for
Mortgage Bankers, such firm is of the opinion that the Servicer's servicing
has
been conducted in compliance with the agreements examined pursuant to this
Section 6.05, except for (i) such exceptions as such firm shall believe
to be
immaterial, and (ii) such other exceptions as shall be set forth in such
statement.
Section
6.06 Owner's
Right to Examine Servicer Records.
The
Owner
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 and any supervisory agents or examiners
representing a state or federal governmental agency having jurisdiction
over the
Owner, including but not limited to OTS, FDIC and other similar entities,
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 government agency, FDIC, OTS, or any other similar
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 knowingly conduct any solicitation exclusively 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, without
limitation, mass mailings based on commercially acquired mailing lists,
newspaper, radio and television advertisements shall not constitute solicitation
under this section. Nothing
contained herein shall prohibit the Servicer from (i) distributing to Mortgagors
any general advertising including information brochures, coupon books,
or other
similar documentation which indicates services the Seller offers, including
refinances or (ii) providing financing of home equity loans to Mortgagors
at the
Mortgagor’s request.
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 upon 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 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, OTS, FDIC 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. The
Servicer agrees to execute and deliver all such instruments and take all
such
action as the Owner, from time to time, may reasonably request in order
to
effectuate the purpose and to carry out the terms of this Agreement.
ARTICLE
VIII
THE
SERVICER
Section
8.01 Indemnification;
Third Party Claims.
The
Servicer agrees to indemnify the Owner and hold it harmless from and against
any
and all claims, losses, damages, penalties, fines, forfeitures, legal fees
and
related costs, judgments, and any other costs, fees and expenses that the
Owner
may sustain in any way related to the failure of the Servicer to perform
in any
way its duties and service the Mortgage Loans in strict compliance with
the
terms of this Agreement and for breach of any representation or warranty
of the
Servicer contained herein. The Servicer shall immediately notify the Owner
if a
claim is made by a third party with respect to this Agreement or the Mortgage
Loans, assume (with the consent of the Owner and with counsel reasonably
satisfactory to the Owner) the defense of any such claim and pay all expenses
in
connection therewith, including counsel fees, and promptly pay, discharge
and
satisfy any judgment or decree which may be entered against it or the Owner
in
respect of such claim but failure to so notify the Owner shall not limit
its
obligations hereunder. The Servicer agrees that it will not enter into
any
settlement of any such claim without the consent of the Owner unless such
settlement includes an unconditional release of the Owner from all liability
that is the subject matter of such claim. The provisions of this Section
8.01
shall survive termination of this Agreement. In no event will either Purchaser
or Seller be liable to the other party to this Agreement for incidental
or
consequential damages, including, without limitation, loss of profit or
loss of
business or business opportunity, regardless of the form of action whether
in
contract, tort or otherwise.
Section
8.02 Merger
or Consolidation of the Servicer.
The
Servicer will 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, SAIF and/or BIF, or which
is a
HUD-approved mortgagee whose primary business is in origination and servicing
of
first lien mortgage loans, and (iii) which is a Xxxxxx Mae or Xxxxxxx Mac
approved seller/servicer in good standing.
|
Section
8.03 Limitation
on Liability of the Servicer and Others.
|
Neither
the Servicer nor any of the 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 in any way its obligations
in
compliance with any standard of care set forth in this Agreement, or any
liability which would otherwise be imposed by reason of negligence or any
breach
of the terms and conditions of this Agreement. The Servicer and any 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 the Owner 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, which consent shall
not be
unreasonably withheld, 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, and the Servicer shall
be
entitled to be reimbursed therefor from the Owner upon written
demand.
|
Section
8.04 Servicer
Not to Resign.
|
The
Servicer shall not resign from the obligations and duties hereby imposed
on it
except by mutual consent of the Servicer and the Owner 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 which Opinion of Counsel
shall be
in form and substance acceptable to the Owner. 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.
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 has acted 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, which
approval shall not be unreasonably withheld; provided that the Servicer
may
assign the Agreement and the servicing hereunder without the consent of
Owner to
an affiliate of the Servicer to which all servicing of the Servicer is
assigned
so long as (i) such affiliate is a Xxxxxx Xxx and Xxxxxxx Mac approved
servicer
and (ii) if it is intended that such affiliate be spun off to the shareholders
of the Servicer, such affiliate have a GAAP net worth of at least $10,000,000
and (iii) such affiliate shall deliver to the Owner a certification pursuant
to
which such affiliate shall agree to be bound by the terms and conditions
of this
Agreement and shall certify that such affiliate is a Xxxxxx Mae and Xxxxxxx
Mac
approved servicer in good standing.
ARTICLE
IX
DEFAULT
Section
9.01 Events
of Default.
In
case
one or more of the following Events of Default by the Servicer shall occur
and
be continuing, that is to say:
(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
three (3) Business Days after written notice thereof
(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 on the part of 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, 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
(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 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
or
reorganization statute, make an assignment for the benefit of its creditors,
or
voluntarily suspend payment of its obligations; or
(vi) the
Servicer ceases to be approved by either Xxxxxx Mae or Xxxxxxx Mac (to
the
extent such entities are then operating in a capacity similar to that in
which
they operate on the Closing Date) as a mortgage loan servicer for more
than
thirty days to the extent such entities perform similar functions;
or
(vii) the
Servicer attempts to assign its right to servicing compensation hereunder
or the
Servicer attempts, without the consent of the Owner, 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.
then,
and
in each and every such case, so long as an Event of Default shall not have
been
remedied, the Owner, by notice in writing to the Servicer may, 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. On or 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, 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 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 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
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 or any
REO
Property.
Section
9.02 Waiver
of Defaults.
The
Owner
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: (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 all
REO
Property and the remittance of all funds due hereunder; or (ii) by mutual
consent of the Servicer and the Owner in writing; or (iii) termination
by the
Owner pursuant to Section 9.01. Simultaneously with any such termination
and the
transfer of servicing hereunder, the Servicer shall be entitled to be reimbursed
for any outstanding Servicing Advances and Monthly Advances.
Section
10.02 Removal
of Mortgage Loans from Inclusion under this Agreement upon a Whole
Loan
Transfer or a Pass-Through Transfer.
The
Servicer acknowledges and the Owner agrees that with respect to some or
all of
the Mortgage Loans, the Owner may effect either (1) one or more Whole Loan
Transfers, or (2) one or more Pass-Through Transfers.
The
Servicer shall cooperate with the Owner in connection with any Whole Loan
Transfer or Pass-Through Transfer contemplated by the Owner pursuant to
this
Section. In connection therewith, and without limitation, the Owner shall
deliver any reconstitution agreement or other document related to the Whole
Loan
Transfer or Pass-Through Transfer to the Servicer at least 15 days prior
to such
transfer (or 30 days if such transfer is to take place in March, June,
September
or December) and the Servicer shall execute any such reconstitution agreement
which contains provisions substantially similar to those herein or otherwise
reasonably acceptable to the Owner and the Servicer and which restates
the
representations and warranties contained in Article III as of the date
of
transfer (except to the extent any such representation or warranty is not
accurate on such date).
With
respect to each Whole Loan Transfer or Pass--Through Transfer, as the case
may
be, effected by the Owner, Owner (i) shall reimburse Servicer for all reasonable
out-of-pocket third party costs and expenses related thereto and (ii) shall
pay
Servicer a reasonable amount representing time and effort expended by Servicer
related thereto (which amount shall be reasonably agreed upon by Servicer
and
Owner prior to the expenditure of such time and effort); provided,
however,
that
for each Whole Loan Transfer and/or Pass--Through Transfer, the sum of
such
amounts described in subsections (i) and (ii) above shall in no event exceed
$5,000. For purposes of this paragraph, all Whole Loan Transfers and/or
Pass--Through Transfers made to the same entity within the same accounting
cycle
shall be considered one Whole Loan Transfer or Pass--Through
Transfer.
All
Mortgage Loans not sold or transferred pursuant to a Whole Loan Transfer
or
Pass-Through Transfer shall be subject to this Agreement and shall continue
to
be serviced in accordance with the terms of this Agreement and with respect
thereto this Agreement shall remain in full force and effect.
ARTICLE
XI
MISCELLANEOUS
PROVISIONS
Section
11.01 Successor
to the Servicer.
Prior
to
termination of the Servicer's responsibilities and duties under this Agreement
pursuant to Sections 8.04, 9.01 or 10.01(ii), 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 having the characteristics
set
forth in Section 8.02 hereof 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. 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 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 this Agreement pursuant to Section 8.04,
9.01 or
10.01 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.
The Servicer shall execute and deliver such instruments and do such other
things
all 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. The successor shall make such arrangements
as
it may deem appropriate to reimburse the Servicer for unrecovered Servicing
Advances which the successor retains hereunder and which would otherwise
have
been recovered by the Servicer pursuant to this Agreement but for the
appointment of the successor servicer.
Upon
a
successor's acceptance of appointment as such, the Servicer shall notify
the
Owner of such appointment.
Section
11.02 Amendment.
This
Agreement may be amended from time to time by the Servicer and the Owner
by
written agreement signed by the Servicer and the Owner.
Section
11.03 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 of all 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 Owner at the Owner's
expense
on direction of the Owner accompanied by an opinion of counsel to the effect
that such recordation materially and beneficially affects the interest
of the
Owner or is necessary for the administration or servicing the Mortgage
Loans.
Section
11.04 Governing
Law.
THIS
AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL
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
11.05 Notices.
Any
demands, notices or other communications permitted or required hereunder
shall
be in writing and shall be deemed conclusively to have been 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: |
|
000
Xxxxxxxxxx Xxxx
Xxxxxxx,
Xxxxxxxxxxxx 00000
Attention:
Xx. Xxxxx Xxxx
Telecopier
No.: (000) 000-0000
|
|
| (ii) | if to the Owner: |
|
Mac
Xxxxxx Xxxxx XX,
000
Xxxxxx Xxxxx Xxxxx, Xxxxx 000
Xxxxxx,
Xxxxx 00000
Attention:
Xx. Xxxxxx Xxxxx
Telecopier
No.: (000) 000-0000
|
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
11.06 Severability
of Provisions.
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 Mortgage 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 nearly as possible the same as the economic effect of
this
Agreement without regard to such invalidity.
Section
11.07 Exhibits.
The
exhibits to this Agreement are hereby incorporated and made a part hereof
and
are an integral part of this Agreement.
Section
11.08 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;
(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; and
(vi) the
term
"include" or "including" shall mean without limitation by reason of
enumeration.
Section
11.09 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
11.10 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.
Section
11.11 Recordation
of Assignments of Mortgage.
To
the
extent permitted by applicable law, each of the Assignments of Mortgage
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 Mortgaged Properties are situated, and in any other appropriate
public recording office or elsewhere, such recordation to be effected by
the
Servicer at the Owner's expense.
Section
11.12 Assignment
by the Owner.
The
Owner
shall have the right, without the consent of the Servicer hereof, to assign,
in
whole or in part, 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, by executing an assignment and assumption agreement reasonably
acceptable to the Servicer and the assignee or designee shall accede to
the
rights and obligations hereunder of the Owner with respect to such Mortgage
Loans. In no event shall Owner sell a partial interest in any Mortgage
Loan. All
references to the Owner in this Agreement shall be deemed to include its
assignees or designees. It is understood and agreed between the Owners
and the
Servicer that no more than five (5) Persons shall have the right of owner
under
this Agreement at any one time.
Section
11.13 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
11.14 Execution;
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 8.04, this Agreement shall inure
to
the benefit of and be binding upon the Servicer and the Owner and their
respective successors and assigns.
Section
11.15 Entire
Agreement.
Each
of
the Servicer and the Owner acknowledge 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
and shall be binding upon all successors of both parties.
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.
|
GMAC MORTGAGE CORPORATION
Servicer
|
||
| |
|
|
| By: | ||
|
Name: |
||
| Title: | ||
|
EMC
MORTGAGE CORPORATION
Owner
|
||
| |
|
|
| By: | ||
|
|
||
EXHIBIT
A
MORTGAGE
LOAN SCHEDULE
EXHIBIT
B
CUSTODIAL
ACCOUNT LETTER AGREEMENT
(date)
To:______________________
_________________________
_________________________
(the
"Depository")
As
"Servicer" under the Servicing Agreement, dated as of ,
(the
"Agreement"), we hereby authorize and request you to establish an account,
as a
Custodial Account pursuant to Section 4.04 of the Agreement, to be designated
as
"[Servicer] Custodial Account, in trust for [Owner], Owner of Whole Loan
Mortgages, and various Mortgagors." All deposits in the account shall be
subject
to withdrawal therefrom by order signed by the Servicer. You may refuse
any
deposit which would result in violation of the requirement that the account
be
fully insured as described below. This letter is submitted to you in duplicate.
Please execute and return one original to us.
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. The full amount deposited at any time in the account will
be
insured up to applicable limits by the Federal Deposit Insurance Corporation
through the Bank Insurance Fund or the Savings Association Insurance Fund
or
will be invested in Permitted Investments as defined in the
Agreement.
[
]
(name
of
Depository)
By:____________________
Name:__________________
Title:_________________
EXHIBIT
C
ESCROW
ACCOUNT LETTER AGREEMENT
(date)
To:___________________________
______________________________
______________________________
(the
"Depository")
As
"Servicer" under the Servicing Agreement, dated as of
(the
"Agreement"), we hereby authorize and request you to establish an account,
as an
Escrow Account pursuant to Section 4.06 of the Agreement, to be designated
as
"[Servicer] Escrow Account, in trust for [Owner], Owner of Whole Loan Mortgages,
and various Mortgagors." All deposits in the account shall be subject to
withdrawal therefrom by order signed by the Servicer. You may refuse any
deposit
which would result in violation of the requirement that the account be
fully
insured as described below. This letter is submitted to you in duplicate.
Please
execute and return one original to us.
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. The full amount deposited at any time in the account will
be
insured up to applicable limits by the Federal Deposit Insurance Corporation
through the Bank Insurance Fund or the Savings Association Insurance Fund
or
will be invested in Permitted Investments as defined in the
Agreement.
[
]
(name
of
Depository)
By:____________________
Name:__________________
Title:_________________
EXHIBIT
D
REQUEST
FOR RELEASE
EXHIBIT
E
LOAN
LEVEL SCHEDULED-SCHEDULED
REMITTANCE
TAPE LAYOUT
Amendment
No. 1 to the Servicing Agreement
This
is
Amendment No. 1 dated October 1, 2001 to that certain Servicing Agreement
(the
“Agreement”) dated
as
of May 1, 2001 between
EMC MORTGAGE CORPORATION, as Owner
and
GMAC MORTGAGE CORPORATION, as Servicer.
W
I T N E
S S E T H :
WHEREAS,
the Owner is the owner of the Mortgage Loans and the Servicer is the servicer
of
the Mortgage Loans; and
WHEREAS,
the Owner and the Servicer wish to amend the 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 is
hereby acknowledged, the Purchaser and the Seller agree that the following
amendment shall be made to the Agreement:
(a)
The
following shall replace (i)(a), (b) and (c) in the first paragraph of Section
5.01:
“(i)
all
amounts credited to the Custodial Account as of the close of business on
the
related preceding Determination Date, except Principal Prepayments received
on
or after the first day of the month in which the Remittance Date occurs
shall be
remitted to the Owner on the next following Remittance Date,”
(b)
Capitalized terms used herein and not defined shall have the meanings set
forth
in the Agreement.
(c)
THIS
AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL
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.
(d)
Except as such amendments are made herein, the Agreement shall remain in
full
force and effect.
[SIGNATURES
COMMENCE ON THE FOLLOWING PAGE]
IN
WITNESS WHEREOF, the Owner and the Servicer have caused their names to
be signed
hereto by their respective officers thereunto duly authorized as of the
day and
year first above written.
| EMC
MORTGAGE CORPORATION
Purchaser
|
|||
| By: | |||
| Name: | |||
| Title: | |||
|
|
|||
|
GMAC
MORTGAGE CORPORATION
Servicer
|
|||
| By: | |||
| Name: | |||
| Title: | |||
AMENDMENT
NO. 2 TO THE MORTGAGE LOAN PURCHASE AGREEMENT
This
is
Amendment No. 2 dated August 1, 2004 to that certain Mortgage Loan Purchase
Agreement (the “Agreement”) dated
as
of May 1, 2001 between
EMC MORTGAGE CORPORATION, as Purchaser
and GMAC MORTGAGE CORPORATION, as Seller.
W
I T N E S S E T H:
WHEREAS,
the
Purchaser is the Purchaser of the Mortgage Loans and the Seller is the
Seller of
the Mortgage Loans; and
WHEREAS,
the
Purchaser and the Seller wish to amend the 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 is hereby
acknowledged, the Purchaser and the Seller agree that the following amendment
shall be made to the Agreement:
| 1. |
Capitalized
terms used herein and not defined shall have the meanings set
forth in the
Agreement.
|
| 2. |
Section
7.03. Repurchase:
Paragraph 4, as identified below, is hereby deleted
in its entirety:
|
“In
addition to such cure and repurchase obligation, the Seller shall indemnify
the
Purchaser and hold it harmless against any losses, damages, penalties,
forfeitures, reasonable and necessary legal fees and related costs, judgments,
and other costs and expenses (exclusive of any marketing costs incurred
by the
Purchaser for the sale of any Mortgage Loan to a third party and exclusive
of
any potential profits on the sale of any Mortgage Loan) resulting from
a breach
by the Seller of the representations and warranties contained in this Section
7.
It is understood and agreed that the obligations set forth in this Section
7.03
to cure or repurchase a defective Mortgage Loan and to indemnify the Purchaser
as provided herein constitute the sole remedies of the Purchaser respecting
a
breach of the foregoing representations and warranties.”
|
3.
|
Section
7.03. Repurchase.
The last sentence of Paragraph 3 is hereby deleted in its entirety
and
replaced with the following:
|
|
“Repurchase
Price” shall be an amount equal to (i) the outstanding principal balance
of such Mortgage Loan as of the date that such Mortgage Loan
is to be
repurchased, plus (ii) accrued interest thereon at the current
net rate
for the related Mortgage Loan from the date on which interest
has last
been paid and distributed to the Purchaser to the last Business
Day on the
related month of repurchase, plus (iii) any outstanding escrow,
servicing
or corporate advances related thereto made by Seller or Seller’s servicer,
plus (iv)
any other losses, damages, penalties, forfeitures, reasonable
and
necessary legal fees and related costs, judgments, and other
costs and
expenses suffered by the Purchaser in connection with such Mortgage
Loan.
In the event a Mortgage Loan is eligible for repurchase under
this
Agreement, but the Purchaser and Seller agree not to effectuate
such
repurchase, Seller agrees that is shall remain obligated to the
Purchaser
for any amounts specified in clause (iv) of the preceding
sentence.
|
| 4. |
THIS
AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH
THE
INTERNAL 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.
|
| 5. |
Except
as such amendments are made herein, the Agreement shall remain
in full
force and effect.
|
IN
WITNESS WHEREOF, the Purchaser and the Seller have caused their names to
be
signed hereto by their respective officers thereunto duly authorized as
of the
day and year first above written.
| EMC
MORTGAGE CORPORATION
Purchaser
|
|||
| By: | |||
| Name: | |||
| Title: | |||
|
|
|||
|
GMAC
MORTGAGE CORPORATION
Seller
|
|||
| By: | |||
| Name: |
Xxxxxxxx
X. Xxxxxx
|
||
| Title: | Vice President | ||
AMENDMENT
NUMBER THREE
to
the
SERVICING
AGREEMENT
Dated
as
of December 20, 2005
between
EMC
MORTGAGE CORPORATION,
as
Owner
and
GMAC
MORTGAGE CORPORATION,
as
Servicer
This
AMENDMENT NUMBER THREE (this “Amendment”) is made and entered into this
20th
day of
December, 2005, by and between EMC Mortgage Corporation, a Delaware corporation,
as owner (the “Owner”) and GMAC Mortgage Corporation, as servicer (the
“Servicer”) in connection with the Servicing Agreement, dated as of May 1, 2001,
between the above mentioned parties (the “Agreement”). This Amendment is made
pursuant to Section 11.02 of the Agreement.
RECITALS
WHEREAS,
the
parties hereto have entered into the Agreement;
WHEREAS,
the Agreement provides that the parties thereto may enter into an amendment
to
the Agreement;
WHEREAS,
the parties hereto desire to amend the Agreement as set forth in this Amendment;
and
NOW,
THEREFORE, in consideration of the premises and for other good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged,
the
parties hereto agree as follows:
1. Capitalized
terms used herein and not defined herein shall have the meanings assigned
to
such terms in the Agreement.
2. Article
I
of the Agreement is hereby amended effective as of the date hereof by adding
the
following definitions to Section 1.01:
Commission
or SEC:
The
Securities and Exchange Commission.
Depositor:
The
depositor, as such term is defined in Regulation AB, with respect to any
Securitization Transaction.
Exchange
Act:
The
Securities Exchange Act of 1934, as amended.
Master
Servicer:
With
respect to any Securitization Transaction, the “master servicer,” if any,
identified in the related transaction document.
Pass-Through
Transfer:
Any
transaction involving either (1) a sale or other transfer of some or all
of the
Mortgage Loans directly or indirectly to an issuing entity in connection
with an
issuance of publicly offered or privately placed, rated or unrated
mortgage-backed securities or (2) an issuance of publicly offered or privately
placed, rated or unrated securities, the payments on which are determined
primarily by reference to one or more portfolios of residential mortgage
loans
consisting, in whole or in part, of some or all of the Mortgage
Loans.
Qualified
Correspondent:
Any
Person from which the Servicer purchased Mortgage Loans, provided that
the
following conditions are satisfied: (i) such Mortgage Loans were originated
pursuant to an agreement between the Servicer and such Person that contemplated
that such Person would underwrite mortgage loans from time to time, for
sale to
the Servicer, in accordance with underwriting guidelines designated by
the
Servicer (“Designated Guidelines”) or guidelines that do not vary materially
from such Designated Guidelines; (ii) such Mortgage Loans were in fact
underwritten as described in clause (i) above and were acquired by the
Servicer
within 180 days after origination; (iii) either (x) the Designated Guidelines
were, at the time such Mortgage Loans were originated, used by the Servicer
in
origination of mortgage loans of the same type as the Mortgage Loans for
the
Servicer’s own account or (y) the Designated Guidelines were, at the time such
Mortgage Loans were underwritten, designated by the Servicer on a consistent
basis for use by lenders in originating mortgage loans to be purchased
by the
Servicer; and (iv) the Servicer employed, at the time such Mortgage Loans
were
acquired by the Servicer, pre-purchase or post-purchase quality assurance
procedures (which may involve, among other things, review of a sample of
mortgage loans purchased during a particular time period or through particular
channels) designed to ensure that Persons from which it purchased mortgage
loans
properly applied the underwriting criteria designated by the
Servicer.
Regulation
AB:
Subpart
229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100-229.1123, as amended from time to time, and subject to such
clarification and interpretation as have been provided by the Commission
in the
adopting release (Asset-Backed Securities, Securities Act Release No. 33-8518,
70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the Commission,
or
as may be provided by the Commission or its staff from time to
time.
Securities
Act:
The
Securities Act of 1933, as amended.
Securitization
Transaction:
Any
transaction involving either (1) a sale or other transfer of some or all
of the
Mortgage Loans directly or indirectly to an issuing entity in connection
with an
issuance of publicly offered or privately placed, rated or unrated
mortgage-backed securities or (2) an issuance of publicly offered or privately
placed, rated or unrated securities, the payments on which are determined
primarily by reference to one or more portfolios of residential mortgage
loans
consisting, in whole or in part, of some or all of the Mortgage
Loans.
Servicing
Criteria:
As of
any date of determination, the “servicing criteria” set forth in Item 1122(d) of
Regulation AB, or any amendments thereto, a summary of the requirements
of which
as of the date hereof is attached hereto as Exhibit G for convenience of
reference only. In the event of a conflict or inconsistency between the
terms of
Exhibit G and the text of Item 1122(d) of Regulation AB, the text of Item
1122(d) of Regulation AB shall control (or those Servicing Criteria otherwise
mutually agreed to by the Owner, Servicer and any Person that will be
responsible for signing any Sarbanes Certification with respect to a
Securitization Transaction in response to evolving interpretations of Regulation
AB and incorporated into a revised Exhibit G).
Static
Pool Information:
Static
pool information as described in Item 1105(a)(1)-(3) and 1105(c) of Regulation
AB.
Subcontractor:
Any
vendor, subcontractor or other Person that is not responsible for the overall
servicing (as “servicing” is commonly understood by participants in the
mortgage-backed securities market) of Mortgage Loans but performs one or
more
discrete functions identified in Item 1122(d) of Regulation AB with respect
to
Mortgage Loans under the direction or authority of the Servicer or a
Subservicer.
Subservicer:
Any
Person that services Mortgage Loans on behalf of the Servicer or any Subservicer
and is responsible for the performance (whether directly or through Subservicers
or Subcontractors) of a substantial portion of the material servicing functions
required to be performed by the Servicer under this Agreement or any
Reconstitution Agreement that are identified in Item 1122(d) of Regulation
AB.
Third-Party
Originator:
Each
Person, other than a Qualified Correspondent, that originated Mortgage
Loans
acquired by the Servicer.
3. Article
III of the Agreement is hereby amended effective as of the date hereof
by adding
the following new clause (m):
(m) As
of the
date of each Pass-Through Transfer, and except as has been otherwise disclosed
to the Owner, any Master Servicer and any Depositor: (1) the Servicer is
not
aware and has not received notice that any default or servicing related
performance trigger has occurred as to any other securitization due to
any act
or failure to act of the Servicer; (2) no material noncompliance with applicable
servicing criteria as to any other securitization involving residential
mortgage
loans involving the Servicer as servicer has been disclosed or reported
by the
Servicer; (3) the Servicer has not been terminated as servicer in a residential
mortgage loan securitization, either due to a servicing default or to
application of a servicing performance test or trigger; (4) no material
changes
to the Servicer’s servicing policies and procedures with respect to the
servicing function it will perform under this Agreement or any Reconstitution
Agreement has occurred in the preceding three years; (5) there are no aspects
of
the Servicer’s financial condition that could have a material adverse impact on
the performance by the Servicer of its servicing obligations hereunder;
(6)
there are no legal proceedings pending, or known to be contemplated by
governmental authorities, against the Servicer that could be material to
investors in the securities issued in such Pass-Through Transfer; and (7)
there
are no affiliations, relationships or transactions relating to the Servicer
of a
type that are described under Item 1119 of Regulation AB.
4. Article
IV of the Agreement is hereby amended effective as of the date hereof by
adding
the following new Section 4.14:
Section
4.14 Financial
Statements.
Upon
request by the Purchaser, the Servicer shall provide its financial statements
of
its parent for the previous two fiscal years.
5. The
Agreement is hereby amended effective as of the date hereof by moving clauses
(a) through (m) of Article III to Section 3.01.
6. The
Agreement is hereby amended effective as of the date hereof by adding the
following new Section 3.02:
Section
3.02 Updates.
(a) If
so
requested by the Owner or any Depositor on any date, the Servicer shall,
within
five Business Days,
and in
no event later than seven Business Days
following such request, confirm in writing the accuracy of the representations
and warranties set forth in clause (m) of this Article III or, if any such
representation and warranty is not accurate as of the date of such request,
provide reasonably adequate disclosure of the pertinent facts, in writing,
to
the requesting party.
(b) If
so
requested by the Owner or any Depositor for the purpose of satisfying its
reporting obligation under the Exchange Act with respect to any class of
asset-backed securities, the Servicer shall (or shall cause each Subservicer
to)
(i) notify the Owner, any Master Servicer and any Depositor in writing
of (A)
any material litigation or governmental proceedings pending against the
Servicer
or any Subservicer, (B) any affiliations or relationships that develop
following
the closing date of a Pass-Through Transfer between the Servicer or any
Subservicer and any of the parties specified in clause (7) of paragraph
(m) of
Section 3.01 (and any other parties identified in writing by the requesting
party) with respect to such Pass-Through Transfer, (C)
any
Event of Default under the terms of this Agreement or any Reconstitution
Agreement, (D) any merger, consolidation or sale of substantially all of
the
assets of the Servicer, and (E) the Servicer’s entry into an agreement with a
Subservicer to perform or assist in the performance of any of the Servicer’s
obligations under this Agreement or any Reconstitution Agreement and
(ii)
provide
to the Owner and any Depositor a description of such proceedings, affiliations
or relationships.
All
notification pursuant to this Section 3.02(b), other than those pursuant
to
Section 3.02(b)(i)(A), should be sent to:
EMC
Mortgage Corporation
0000
Xxxx
Xxxxx Xxxxx
Xxxxxxxxxx,
XX 00000-0000
Attention:
Conduit Seller Approval Dept.
Facsimile:
(000) 000-0000
Email:
xxxxxxxxxxxxxx@xxxx.xxx
With
a
copy to:
Bear,
Xxxxxxx & Co. Inc.
000
Xxxxxxx Xxxxxx, 0xx Xxxxx
Xxx,
Xxxx, XX 00000
Attention:
Global Credit Administration
Facsimile:
(000) 000-0000
Notifications
pursuant to Section 3.01(b)(i)(A) should be sent to:
EMC
Mortgage Corporation
Two
Mac
Xxxxxx Xxxxx
000
Xxxxxx Xxxxx Xxxxx, Xxxxx 000
Xxxxxx,
XX 00000
Attention:
Associate General Counsel for Loan Administration
Facsimile:
(000) 000-0000
With
copies to:
Bear,
Xxxxxxx & Co. Inc.
000
Xxxxxxx Xxxxxx, 0xx Xxxxx
Xxx,
Xxxx, XX 00000
Attention:
Global Credit Administration
Facsimile:
(000) 000-0000
EMC
Mortgage Corporation
0000
Xxxx
Xxxxx Xxxxx
Xxxxxxxxxx,
XX 00000-0000
Attention:
Conduit Seller Approval Dept.
Facsimile:
(000) 000-0000
Email:
xxxxxxxxxxxxxx@xxxx.xxx
(c) As
a
condition to the succession to the Servicer or any Subservicer as servicer
or
subservicer under this Agreement or any Reconstitution Agreement by any
Person
(i) into which the Servicer or such Subservicer may be merged or consolidated,
or (ii) which may be appointed as a successor to the Servicer or any
Subservicer, the Servicer shall provide to the Owner, any Master Servicer
and
any Depositor, at least fifteen (15) calendar days prior to the effective
date
of such succession or appointment, (x) written notice to the Owner, any
Master
Servicer and any Depositor of such succession or appointment and (y) in
writing
and in form and substance reasonably satisfactory to the Owner, any Master
Servicer and such Depositor, all information reasonably requested by the
Owner,
any Master Servicer or any Depositor in order to comply with its reporting
obligation under Item 6.02 of Form 8-K with respect to any class of asset-backed
securities.
7. Article
IV of the Agreement is hereby amended effective as of the date hereof by
adding
the following after the first sentence of Section 4.01:
In
addition, the Servicer shall furnish information regarding the borrower
credit
files related to such Mortgage Loan to credit reporting agencies in compliance
with the provisions of the Fair Credit Reporting Act and the applicable
implementing regulations.
8. Article
IV of the Agreement is hereby amended effective as of the date hereof by
revising the first paragraph of Section 4.03 by adding the following after
the
first sentence:
In
determining the delinquency status of any Mortgage Loan, the Servicer will
use
delinquency recognition policies as utilized by the Servicer in connection
with
the servicing of mortgage loans on its own securitizations.
9. Article
V
of the Agreement is hereby amended effective as of the date hereof by deleting
Section 5.02 in its entirety and replacing it with the following:
Section
5.02 Statements
to the Owner.
The
Servicer shall furnish to the Owner an individual Mortgage Loan accounting
report (a “Report”), as of the last Business Day of each month, in the
Servicer's assigned loan number order to document Mortgage Loan payment
activity
on an individual Mortgage Loan basis. With respect to each month, such
Report
shall be received by the Owner (i) no later than the fifth Business Day
of the
following month of the related Remittance Date on a disk or tape or other
computer-readable format, in such format as may be mutually agreed upon
by both
the Owner and the Servicer, and (ii) no later than the tenth Business Day
of the
following month of the related Remittance Date in hard copy, which Report
shall
contain the following:
(i) with
respect to each Mortgage Loan and each Monthly Payment, the amount of such
remittance allocable to principal (including a separate breakdown of any
Principal Prepayment, including the date of such prepayment, and any prepayment
penalties or premiums, along with a detailed report of interest on principal
prepayment amounts remitted in accordance with Section 4.04);
(ii) with
respect to each Mortgage Loan and each Monthly Payment, the amount of such
remittance allocable to interest;
(iii) with
respect to each Mortgage Loan, the amount of servicing compensation received
by
the Servicer during the prior distribution period;
(iv) the
Stated Principal Balance of each Mortgage Loan and the aggregate Stated
Principal Balance of all Mortgage Loans as of the first day of the distribution
period and the last day of the distribution period;
(v) with
respect to each Mortgage Loan, the current Mortgage Interest Rate;
(vi) with
respect to each Mortgage Loan, the aggregate amount of any Insurance Proceeds,
Condemnation Proceeds, Liquidation Proceeds and REO Disposition Proceeds
received during the prior distribution period;
(vii) with
respect to each Mortgage Loan, the amount of any Prepayment Interest Shortfalls
paid by the Servicer in accordance with Section 4.04(viii) during the prior
distribution period;
(viii) with
respect to each Mortgage Loan, the Stated Principal Balance of each Mortgage
Loan (a) delinquent as grouped in the following intervals through final
liquidation of such Mortgage Loan: 30 to 59 days, 60 to 89 days, 90 days
or
more; (b) as to which foreclosure has commenced; and (c) as to which REO
Property has been acquired;
(ix) with
respect to each Mortgage Loan, and in the aggregate for all Mortgage Loans,
the
amount of any Monthly Advances made by the Servicer during the prior
distribution period;
(x) with
respect to each Mortgage Loan, the amount of any Servicing Advances made
by the
Servicer with respect to such Mortgage Loan, and the aggregate amount of
Servicing Advances for all Mortgage Loans during the prior distribution
period;
(xi) with
respect to each Mortgage Loan, a description of any Nonrecoverable Advances
made
by the Servicer with respect to such Mortgage Loan including the amount,
terms
and general purpose of such Nonrecoverable Advances, and the aggregate
amount of
Nonrecoverable Advances for all Mortgage Loans during the prior distribution
period;
(xii) with
respect to any Mortgage Loan, a description of any material modifications,
extensions or waivers to the terms, fees, penalties or payments of such
Mortgage
Loan during the prior distribution period or that have cumulatively become
material over time;
(xiii) with
respect to each Mortgage Loan, the Stated Principal Balance of any substitute
Mortgage Loan provided by the Servicer and the Stated Principal Balance
of any
Mortgage Loan that has been replaced by a substitute Mortgage Loan in accordance
with Section 3.03 herein;
(xiv) with
respect to each Mortgage Loan, the Stated Principal Balance of any Mortgage
Loan
that has been repurchased by the Servicer in accordance with Section 3.03
herein.
For
any
Mortgage Loan in a Pass-Through Transfer, the Servicer shall also furnish
the
following items in the Report to the Master Servicer, provided that if
these
items are included in the report to the Owner they need not be incorporated
in
the Report:
(i) the
beginning and ending balances of the Custodial Account and Escrow
Account;
(ii) with
respect to each Mortgage Loan, a description of any Monthly Advances, Servicing
Advances and Nonrecoverable Advances reimbursed to the Servicer with respect
to
such Mortgage Loan during the prior distribution period pursuant to Section
4.05, and the source of funds for such reimbursement, and the aggregate
amount
of any Monthly Advances, Servicing Advances and Nonrecoverable Advances
reimbursed to the Servicer for all Mortgage Loans during the prior distribution
period pursuant to Section 4.05; and
(iii) a
description of any material breach of a representation or warranty set
forth in
Section 3.01 or Section 3.02 herein or of any other breach of a covenant
or
condition contained herein and the status of any resolution of such
breach.
In
addition, the Servicer shall provide to the Owner such other information
known
or available to the Servicer that is necessary in order to provide the
distribution and pool performance information as required under Item 1121
of
Regulation AB, as amended from time to time, as determined by the Owner
in its
reasonable discretion. Notwithstanding the foregoing, the Servicer shall
be
under no obligation to provide information that the Owner deems required
under
Regulation AB if (i) the Servicer does not reasonably believe that such
information is required under Regulation AB and (ii) the Servicer is not
providing such information for (A) its own securitizations, or (B) any
third
party securitizations with mortgage loans serviced by the Servicer[, unless
the
Owner pays all reasonable actual costs incurred by the Servicer in connection
with the preparation and delivery of such information and the Servicer
is given
reasonable time to establish the necessary systems and procedures to produce
such information; provided, however, that the costs incurred by the Servicer
in
connection with establishing the necessary systems and procedures will
be split
pro rata with any other purchaser that makes a request for similar
information.
The
Servicer shall also provide a monthly report, in the form of Exhibit E
hereto,
or such other form as is mutually acceptable to the Servicer, the Owner
and any
Master Servicer, Exhibit H or such other agreeable format with respect
to
defaulted mortgage loans and Exhibit I, with respect to realized losses
and
gains, with each such report.
The
Servicer shall prepare and file any and all information statements or other
filings required to be delivered to any governmental taxing authority or
to
Owner pursuant to any applicable law with respect to the Mortgage Loans
and the
transactions contemplated hereby. In addition, the Servicer shall provide
Owner
with such information concerning the Mortgage Loans as is necessary for
Owner to
prepare its federal income tax return as Owner may reasonably request from
time
to time.
In
addition, not more than sixty (60) days after the end of each calendar
year, the
Servicer shall furnish to each Person who was an Owner at any time during
such
calendar year an annual statement in accordance with the requirements of
applicable federal income tax law as to the aggregate of remittances for
the
applicable portion of such year.
10. Article
VI of the Agreement is hereby amended effective as of the date hereof by
deleting Section 6.04 in its entirety and replacing it with the
following:
Section
6.04 Annual
Statement as to Compliance; Annual Certification.
(a) The
Servicer will deliver to the Owner and any Master Servicer, using its best
efforts to deliver on March 1, but in no event later than March 15, of
each
calendar year beginning in 2007, an Officers’ Certificate acceptable to the
Owner (an “Annual Statement of Compliance”) stating, as to each signatory
thereof, that (i) a review of the activities of the Servicer during the
preceding calendar year and of performance under this Agreement or other
applicable servicing 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 of its obligations under this Agreement or other
applicable servicing agreement in all material respects throughout such
year,
or, if there has been a failure to fulfill any such obligation in any material
respect, specifying each such failure known to such officer and the nature
and
status of cure provisions thereof. Such Annual Statement of Compliance
shall
contain no restrictions or limitations on its use.
(b) With
respect to any Mortgage Loans that are the subject of a Pass-Through Transfer,
using its best efforts to deliver on March 1, but in no event later than
March
15, of each calendar year beginning in 2007, an officer of the Servicer
shall
execute and deliver an Officers’ Certificate (an “Annual Certification”) to the
Owner, any Master Servicer and any related Depositor for the benefit of
each
such entity and such entity’s affiliates and the officers, directors and agents
of any such entity and such entity’s affiliates, in the form attached hereto as
Exhibit F.
In
the
event that the Servicer fails to timely comply with this Section 6.04 after
the
cure period set forth herein, commencing on March 15th of the related year,
the
Owner shall use its commercially reasonable efforts to obtain written or
verbal
statements or assurances from the Commission, by March 30th of the related
year
(or such extension of time granted by the Commission so that it can review
the
facts surrounding any requests made by the Owner) that such failure to
provide
the required Assessment of Compliance and Attestation Report on a timely
basis,
and a one time additional failure by the Servicer to comply with this Section
6.04, will not result in any adverse effect on the Owner or its affiliates
with
respect to any Shelf Registration on Form S-3 of the Owner or any of its
affiliates. Any costs or expenses incurred by the Owner in obtaining such
statement or assurances from the Commission shall be reimbursed to the
Owner by
the Servicer. In the event that the Owner is unable to receive any such
assurances from the Commission after the use of such commercially reasonable
efforts by March 30th (or any extension period granted by the Commission)
of the
related year, such failure by the Servicer to comply with this Section
6.04
shall be deemed an Event of Default, automatically at such time, without
notice
and without any cure period, and Owner may, in addition to whatever rights
the
Owner may have under Section 8.01, subject to the limitation expressed
therein,
and at law or equity or 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, as provided in Section 9.01 . Such
termination shall be considered with cause pursuant to Section 10.01 of
this
Agreement. This paragraph shall supersede any other provision in this Agreement
or any other agreement to the contrary.
Failure
to provide the Annual Statement of Compliance or Annual Certification will
be
treated as a failure of the Servicer to perform its duties under the Agreement
and will be subject to the indemnification provisions of Section 8.01,
subject
to the limitation expressed therein, of the Agreement.
This
indemnification is understood by the parties hereto to cover any gross
negligence, bad faith or willful misconduct of the Servicer in connection
with
its performance hereunder. For any indemnification from the Servicer to
any
Master Servicer, the Servicer in no event will be liable for punitive or
consequential damages, regardless of the form of action, whether in contract,
tort or otherwise.
If
the
indemnification provided for therein is unavailable or insufficient to
hold
harmless the Owner, each affiliate of the Owner, and each of the following
parties participating in a Pass-Through Transfer: each sponsor and issuing
entity; each Person (including, but not limited to, any Master Servicer,
if
applicable) responsible for the preparation, execution or filing of any
report
required to be filed with the Commission with respect to such Pass-Through
Transfer, or for execution of a certification pursuant to Rule 13a-14(d)
or Rule
15d-14(d) under the Exchange Act with respect to such Pass-Through Transfer;
each broker dealer acting as underwriter, placement agent or initial purchaser,
each Person who controls any of such parties or the Depositor (within the
meaning of Section 15 of the Securities Act and Section 20 of the Exchange
Act);
and the respective present and former directors, officers, employees, agents
and
affiliates of each of the foregoing and of the Depositor (each, an “Indemnified
Party”), then the Servicer agrees that it shall contribute to the amount paid
or
payable by such Indemnified Party as a result of any claims, losses, damages
or
liabilities incurred by such Indemnified Party in such proportion as is
appropriate to reflect the relative fault of such Indemnified Party on
the one
hand and the Servicer on the other.
In
the
case of any failure of performance described above, the Servicer shall
promptly
reimburse the Owner, any Depositor, as applicable, and each Person responsible
for the preparation, execution or filing of any report required to be filed
with
the Commission with respect to such Securitization Transaction, or for
execution
of a certification pursuant to Rule 13a-14(d) or Rule 15d-14(d) under the
Exchange Act with respect to such Securitization Transaction, for all costs
reasonably incurred by each such party in order to obtain the information,
report, certification, accountants’ letter or other material not delivered as
required by the Servicer, any Subservicer or any Subcontractor.
This
indemnification shall survive the termination of this Agreement or the
termination of any party to this Agreement.
11. Article
VI of the Agreement is hereby amended effective as of the date hereof by
deleting Section 6.05 in its entirety and replacing it with the
following:
Section
6.05 [Reserved].
12. Article
VI of the Agreement is hereby amended effective as of the date hereof by
adding
the following new Section 6.09:
Section
6.09 Assessment
of Compliance with Servicing Criteria.
On
and
after January 1, 2006, the Servicer shall service and administer, and shall
cause each subservicer to servicer or administer, the Mortgage Loans in
accordance with all applicable requirements of the Servicing
Criteria.
With
respect to any Mortgage Loans that are the subject of a Pass-Through Transfer,
the Servicer shall use its best efforts to deliver to the Owner or its
designee,
any Master Servicer and any Depositor on March 1, but in no event later
than
March 15 of each calendar year beginning in 2007 a report (an “Assessment of
Compliance”) reasonably satisfactory to the Owner, any Master Servicer and any
Depositor regarding the Servicer’s assessment of compliance with the Servicing
Criteria during the preceding calendar year as required by Rules 13a-18
and
15d-18 of the Exchange Act and Item 1122 of Regulation AB or as otherwise
required by the Master Servicer. Such report shall be addressed to the
Owner and
such Depositor and signed by an authorized officer of the Servicer, and
shall
address each of the Servicing Criteria specified on a certification
substantially in the form of Exhibit G hereto delivered to the Owner
concurrently with the execution of this Agreement.
With
respect to any Mortgage Loans that are the subject of a Pass-Through Transfer,
the Servicer shall use its best efforts to deliver to the Owner or its
designee,
any Master Servicer and any Depositor on March 1, but in no event later
than
March 15 of each calendar year beginning in 2007 a report (an “Attestation
Report”) by a registered public accounting firm that attests to, and reports on,
the Assessment of Compliance made by the Servicer, as required by Rules
13a-18
and 15d-18 of the Exchange Act and Item 1122(b) of Regulation AB or as
otherwise
required by the Master Servicer, which Attestation Report must be made
in
accordance with standards for attestation reports issued or adopted by
the
Public Servicer Accounting Oversight Board.
The
Servicer shall cause each Subservicer, and each Subcontractor determined
by the
Servicer pursuant to Section 11.19 to be “participating in the servicing
function” within the meaning of Item 1122 of Regulation AB, to deliver to the
Owner, any Master Servicer and any Depositor an assessment of compliance
and
accountants’ attestation as and when provided in Sections 6.09. Each assessment
of compliance provided by a Subservicer shall address each of the Servicing
Criteria specified on a certification substantially in the form of Exhibit
G
hereto delivered to the Owner concurrently with the execution of this Agreement
or, in the case of a Subservicer subsequently appointed as such, on or
prior to
the date of such appointment.
In
the
event that the Servicer fails to timely comply with this Section 6.09 after
the
cure period set forth herein, commencing on March 15th of the related year,
the
Owner shall use its commercially reasonable efforts to obtain written or
verbal
statements or assurances from the Commission, by March 30th of the related
year
(or such extension of time granted by the Commission so that it can review
the
facts surrounding any requests made by the Owner) that such failure to
provide
the required Assessment of Compliance and Attestation Report on a timely
basis,
and a one time additional failure by the Servicer to comply with this Section
6.09, will not result in any adverse effect on the Owner or its affiliates
with
respect to any Shelf Registration on Form S-3 of the Owner or any of its
affiliates. Any costs or expenses incurred by the Owner in obtaining such
statement or assurances from the Commission shall be reimbursed to the
Owner by
the Servicer. In the event that the Owner is unable to receive any such
assurances from the Commission after the use of such commercially reasonable
efforts by March 30th (or any extension period granted by the Commission)
of the
related year, such failure by the Servicer to comply with this Section
6.09
shall be deemed an Event of Default, automatically at such time, without
notice
and without any cure period, and Owner may, in addition to whatever rights
the
Owner may have under Section 8.01, subject to the limitation expressed
therein,
and at law or equity or 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, as provided in Section 9.01 . Such
termination shall be considered with cause pursuant to Section 10.01 of
this
Agreement. This paragraph shall supersede any other provision in this Agreement
or any other agreement to the contrary.
Failure
to provide the Assessment of Compliance or Attestation Report will be treated
as
a failure of the Servicer to perform its duties under the Agreement and
will be
subject to the indemnification provisions of Section 8.01, subject to the
limitation expressed therein, of the Agreement. This indemnification is
understood by the parties hereto to cover any gross negligence bad faith
or
willful misconduct of the Servicer in connection with its performance hereunder.
For any indemnification from the Servicer to any Master Servicer, the Servicer
in no event will be liable for punitive or consequential damages, regardless
of
the form of action, whether in contract, tort or otherwise.
If
the
indemnification provided for therein is unavailable or insufficient to
hold
harmless the Owner, each affiliate of the Owner, and each of the following
parties participating in a Pass-Through Transfer: each sponsor and issuing
entity; each Person (including, but not limited to, any Master Servicer,
if
applicable) responsible for the preparation, execution or filing of any
report
required to be filed with the Commission with respect to such Pass-Through
Transfer, or for execution of a certification pursuant to Rule 13a-14(d)
or Rule
15d-14(d) under the Exchange Act with respect to such Pass-Through Transfer;
each broker dealer acting as underwriter, placement agent or initial purchaser,
each Person who controls any of such parties or the Depositor (within the
meaning of Section 15 of the Securities Act and Section 20 of the Exchange
Act);
and the respective present and former directors, officers, employees, agents
and
affiliates of each of the foregoing and of the Depositor (each, an “Indemnified
Party”), then the Servicer agrees that it shall contribute to the amount paid
or
payable by such Indemnified Party as a result of any claims, losses, damages
or
liabilities incurred by such Indemnified Party in such proportion as is
appropriate to reflect the relative fault of such Indemnified Party on
the one
hand and the Servicer on the other.
In
the
case of any failure of performance described above, the Servicer shall
promptly
reimburse the Owner, any Depositor, as applicable, and each Person responsible
for the preparation, execution or filing of any report required to be filed
with
the Commission with respect to such Securitization Transaction, or for
execution
of a certification pursuant to Rule 13a-14(d) or Rule 15d-14(d) under the
Exchange Act with respect to such Securitization Transaction, for all costs
reasonably incurred by each such party in order to obtain the information,
report, certification, accountants’ letter or other material not delivered as
required by the Servicer, any Subservicer or any Subcontractor.
This
indemnification shall survive the termination of this Agreement or the
termination of any party to this Agreement.
13. Article
VI of the Agreement is hereby amended effective as of the date hereof by
adding
the following new Section 6.10:
Section
6.10 Intent
of the Parties; Reasonableness.
The
Owner
and the Servicer acknowledge and agree that a purpose of Section 3.01(m),
4.14,
Sections 5.02, 6.04, 6.09 and 10.02 of this Agreement is to facilitate
compliance by the Owner and any Depositor with the provisions of Regulation
AB
and related rules and regulations of the Commission. None of the Owner,
any
Master Servicer or any Depositor shall exercise its right to request delivery
of
information or other performance under these provisions other than in good
faith, or for purposes other than compliance with the Securities Act, the
Exchange Act and the rules and regulations of the Commission thereunder.
The
Servicer acknowledges that interpretations of the requirements of Regulation
AB
may change over time, whether due to interpretive guidance provided by
the
Commission or its staff, consensus among participants in the asset-backed
securities markets, advice of counsel, or otherwise, and agrees to comply
with
requests made by the Owner or any Depositor in good faith for delivery
of
information under these provisions on the basis of evolving interpretations
of
Regulation AB. In connection with any Pass-Through Transfer, the Servicer
shall
cooperate fully with the Owner to deliver to the Owner (including any of
its
assignees or designees) and any Depositor, any and all statements, reports,
certifications, records and any other information necessary in the good
faith
determination of the Owner or any Depositor to permit the Owner or such
Depositor to comply with the provisions of Regulation AB, together with
such
disclosures relating to the Servicer, any Subservicer, any Third-Party
Originator and the Mortgage Loans, or the servicing of the Mortgage Loans,
reasonably believed by the Owner or any Depositor to be necessary in order
to
effect such compliance.
Notwithstanding
anything to the contrary herein, the Servicer shall be under no obligation
to
provide information that the Owner deems required under Regulation AB if
(i) the
Servicer does not reasonably believe that such information is required
under
Regulation AB and (ii) the Servicer is not providing such information for
its
own securitizations unless the Owner pays all reasonable costs incurred
by the
Servicer in connection with the preparation and delivery of such information
and
the Servicer is given reasonable time to establish the necessary systems
and
procedures to produce such information; provided, however, that the costs
incurred by the Servicer in connection with establishing the necessary
systems
and procedures will be split pro rata with any other purchaser that makes
a
request for similar information.
14. Article
IX of the Agreement is hereby amended effective as of the date hereof by
deleting the first sentence of the last paragraph of Section 9.01 and replacing
it with the following (new text underlined):
then,
and
in each and every such case, so long as an Event of Default shall not have
been
remedied, the Owner, by notice in writing to the Servicer (or
as
otherwise stated herein, in which case, automatically and without
notice)
may, in
addition to whatever rights the Owner may have under Section 8.01, subject
to
the limitation expressed therein, and at law or equity to damages, including
injunctive relief and specific performance, terminate all the rights and
obligations of the Servicer (and
if
the Servicer is servicing any of the Mortgage Loans in a Securitization
Transaction, appoint a successor servicer reasonably acceptable to any
Master
Servicer for such Securitization Transaction)
under
this Agreement and in and to the Mortgage Loans and the proceeds thereof
without
compensating the Servicer for the same. On or 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, 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
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 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 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 or any REO Property.
15. Article
IX of the Agreement is hereby amended effective as of the date hereof by
adding
the following at the end of the last paragraph of Section 9.01:
The
Servicer shall promptly reimburse the Owner (or any designee of the Owner,
such
as a Master Servicer) and any Depositor, as applicable, for all reasonable
expenses incurred by the Owner (or such designee) or such Depositor, as
such are
incurred, in connection with the termination of the Servicer as servicer
and the
transfer of servicing of the Mortgage Loans to a successor servicer. The
provisions of this paragraph shall not limit whatever rights the Owner
or any
Depositor may have under other provisions of this Agreement and/or any
applicable Reconstitution Agreement or otherwise, whether in equity or
at law,
such as an action for damages, specific performance or injunctive
relief.
16. Article
X
of the Agreement is hereby amended effective as of the date hereof by restating
Section 10.02 in its entirety as follows:
Section
10.02. Cooperation
of Servicer with a Reconstitution.
The
Servicer and the Owner agree that with respect to some or all of the Mortgage
Loans, on or after the related Closing Date, on one or more dates (each
a
“Reconstitution Date”) at the Owner’s sole option, the Owner may effect a sale
(each, a “Reconstitution”) of some or all of the Mortgage Loans then subject to
this Agreement, without recourse, to:
(1) one
or
more third party purchasers in one or more in whole loan transfers (each,
a
“Whole Loan Transfer”); or
(2) one
or
more trusts or other entities to be formed as part of one or more Pass-Through
Transfers.
With
respect to each Whole Loan Transfer or Pass-Through Transfer, as the case
may
be, the
Servicer shall (i) following request by the Owner or any Depositor, use
best
efforts to provide within five, and in no event later than seven Business
Days
the Owner and such Depositor (or, as applicable, cause each Subservicer
to
provide), in writing and in form and substance reasonably satisfactory
to the
Owner and such Depositor, the information and materials specified in paragraphs
(a), (b), (c) and (d) of this Section, and (ii) as promptly as practicable
following notice to or discovery by the Servicer, provide to the Owner
and any
Depositor (in writing and in form and substance reasonably satisfactory
to the
Owner and such Depositor) the information specified in paragraph (d) of
this
Section.
(a) If
so
requested by the Owner or any Depositor, the Servicer shall provide such
information regarding the Servicer, as servicer of the Mortgage Loans,
and each
Subservicer (each of the Servicer and each Subservicer, for purposes of
this
clause (a), a “Servicer”), as is requested for the purpose of compliance with
Item 1108 of Regulation AB. Such information shall include, at a
minimum:
(1) the
Servicer’s form of organization;
(2) a
description of how long the Servicer has been servicing residential mortgage
loans; a general discussion of the Servicer’s experience in servicing assets of
any type as well as a more detailed discussion of the Servicer’s experience in,
and procedures for, the servicing function it will perform under this Agreement
and any Reconstitution Agreements; information regarding the size, composition
and growth of the Servicer’s portfolio of residential mortgage loans of a type
similar to the Mortgage Loans and information on factors related to the
Servicer
that may be material, in the good faith judgment of the Owner or any Depositor,
to any analysis of the servicing of the Mortgage Loans or the related
asset-backed securities, as applicable, including, without
limitation:
(i) whether
any prior securitizations of mortgage loans of a type similar to the Mortgage
Loans involving the Servicer have defaulted or experienced an early amortization
or other performance triggering event because of servicing during the three-year
period immediately preceding the related Securitization
Transaction;
(ii) the
extent of outsourcing the Servicer utilizes;
(iii) whether
there has been previous disclosure of material noncompliance with the applicable
servicing criteria with respect to other securitizations of residential
mortgage
loans involving the Servicer as a servicer during the three-year period
immediately preceding the related Securitization Transaction;
(iv) whether
the Servicer has been terminated as servicer in a residential mortgage
loan
securitization, either due to a servicing default or to application of
a
servicing performance test or trigger; and
(v) such
other information as the Owner or any Depositor may reasonably request
for the
purpose of compliance with Item 1108(b)(2) of Regulation AB;
(3) a
description of any material changes during the three-year period immediately
preceding the related Securitization Transaction to the Servicer’s policies or
procedures with respect to the servicing function it will perform under
this
Agreement and any Reconstitution Agreements for mortgage loans of a type
similar
to the Mortgage Loans;
(4) information
regarding the Servicer’s financial condition, to the extent that there is a
material risk that an adverse financial event or circumstance involving
the
Servicer could have a material adverse effect on the performance by the
Servicer
of its servicing obligations under this Agreement or any Reconstitution
Agreement;
(5) information
regarding advances made by the Servicer on the Mortgage Loans and the Servicer’s
overall servicing portfolio of residential mortgage loans for the three-year
period immediately preceding the related Securitization Transaction, which
may
be limited to a statement by an authorized officer of the Servicer to the
effect
that the Servicer has made all advances required to be made on residential
mortgage loans serviced by it during such period, or, if such statement
would
not be accurate, information regarding the percentage and type of advances
not
made as required, and the reasons for such failure to advance;
(6) a
description of the Servicer’s processes and procedures designed to address any
special or unique factors involved in servicing loans of a similar type
as the
Mortgage Loans;
(7) a
description of the Servicer’s processes for handling delinquencies, losses,
bankruptcies and recoveries, such as through liquidation of mortgaged
properties, sale of defaulted mortgage loans or workouts; and
(8) information
as to how the Servicer defines or determines delinquencies and charge-offs,
including the effect of any grace period, re-aging, restructuring, partial
payments considered current or other practices with respect to delinquency
and
loss experience.
(b) If
so
requested by the Owner or any Depositor for the purpose of satisfying its
reporting obligation under the Exchange Act with respect to any class of
asset-backed securities, the Servicer shall (or shall cause each Subservicer
to)
(i) notify the Servicer, any Master Servicer and any Depositor in writing
of (A)
any material litigation or governmental proceedings involving the Company
or any
Subservicer, (B) any affiliations or relationships that develop following
the
closing date of a Securitization Transaction between the Owner or any
Subservicer and any of the parties specified in clause (D) of paragraph
(a) of
this Section (and any other parties identified in writing by the requesting
party) with respect to such Securitization Transaction, (C) any Event of
Default
under the terms of this Agreement or any Reconstitution Agreement, (D)
any
merger, consolidation or sale of substantially all of the assets of the
Owner,
and (E) the Owner’s entry into an agreement with a Subservicer to perform or
assist in the performance of any of the Owner’s obligations under this Agreement
or any Reconstitution Agreement and (ii) provide to the Servicer and any
Depositor a description of such proceedings, affiliations or
relationships.
As
a
condition to the succession to the Owner or any Subservicer as servicer
or
subservicer under this Agreement or any Reconstitution Agreement by any
Person
(i) into which the Owner or such Subservicer may be merged or consolidated,
or
(ii) which may be appointed as a successor to the Owner or any Subservicer,
the
Owner shall provide to the Servicer, any Master Servicer, and any Depositor,
at
least 15 calendar days prior to the effective date of such succession or
appointment, (x) written notice to the Servicer and any Depositor of such
succession or appointment and (y) in writing and in form and substance
reasonably satisfactory to the Servicer and such Depositor, all information
reasonably requested by the Servicer or any Depositor in order to comply
with
its reporting obligation under Item 6.02 of Form 8-K with respect to any
class
of asset-backed securities;
In
addition to such information as the Owner, as servicer, is obligated to
provide
pursuant to other provisions of this Agreement, not later than ten days
prior to
the deadline for the filing of any distribution report on Form 10-D in
respect
of any Securitization Transaction that includes any of the Mortgage Loans
serviced by the Owner or any Subservicer, the Owner or such Subservicer,
as
applicable, shall, to the extent the Owner or such Subservicer has knowledge,
provide to the party responsible for filing such report (including, if
applicable, the Master Servicer) notice of the occurrence of any of the
following events along with all information, data, and materials related
thereto
as may be required to be included in the related distribution report on
Form
10-D (as specified in the provisions of Regulation AB referenced
below):
(A) any
material modifications, extensions or waivers of pool asset terms, fees,
penalties or payments during the distribution period or that have cumulatively
become material over time (Item 1121(a)(11) of Regulation AB);
(B) material
breaches of pool asset representations or warranties or transaction covenants
(Item 1121(a)(12) of Regulation AB); and
(C) information
regarding new asset-backed securities issuances backed by the same pool
assets,
any pool asset changes (such as, additions, substitutions or repurchases),
and
any material changes in origination, underwriting or other criteria for
acquisition or selection of pool assets (Item 1121(a)(14) of Regulation
AB);
and
The
Owner
shall provide to the Servicer, any Master Servicer and any Depositor, evidence
of the authorization of the person signing any certification or statement,
copies or other evidence of Fidelity Bond Insurance and Errors and Omission
Insurance policy, financial information and reports, and such other information
related to the Owner or any Subservicer or the Owner or such Subservicer’s
performance hereunder.
Notwithstanding
the foregoing, the Servicer shall be under no obligation to provide information
that the Owner deems required under Regulation AB if (i) the Servicer does
not
reasonably believe that such information is required under Regulation AB
and
(ii) the Servicer is not providing such information for (A) its own
securitizations, or (B) any third party securitizations with mortgage loans
serviced by the Servicer[, unless the Owner pays all reasonable actual
costs
incurred by the Servicer in connection with the preparation and delivery
of such
information and the Servicer is given reasonable time to establish the
necessary
systems and procedures to produce such information; provided, however,
that the
costs incurred by the Servicer in connection with establishing the necessary
systems and procedures will be split pro rata with any other purchaser
that
makes a request for similar information..
All
Mortgage Loans not sold or transferred pursuant to a Reconstitution shall
remain
subject to, and serviced in accordance with the terms of, this Agreement
and the
related Term Sheet, and with respect thereto this Agreement and the related
Term
Sheet shall remain in full force and effect.
17. Article
XI of the Agreement is hereby amended effective as of the date hereof by
adding
the following new Section 11.16:
Section
11.16. Use
of
Subservicers and Subcontractors.
(a) The
Servicer shall not hire or otherwise utilize the services of any Subservicer
to
fulfill any of the obligations of the Servicer as servicer under this Agreement
or any Reconstitution Agreement unless the Servicer complies with the provisions
of paragraph (b) of this Section. The Servicer shall not hire or otherwise
utilize the services of any Subcontractor, and shall not permit any Subservicer
to hire or otherwise utilize the services of any Subcontractor, to fulfill
any
of the obligations of the Servicer as servicer under this Agreement or
any
Reconstitution Agreement unless the Servicer complies with the provisions
of
paragraph (d) of this Section.
(b) It
shall
not be necessary for the Servicer to seek the consent of the Owner to the
utilization of any subservicer. The Servicer shall cause any Subservicer
used by
the Servicer (or by any Subservicer) for the benefit of the Owner and any
Depositor to comply with the provisions of this Section and with Sections
3.01(m), 4.14, 6.04, 6.09 and 10.02 of this Agreement to the same extent
as if
such Subservicer were the Servicer, and to provide the information required
with
respect to such Subservicer under Section 3.02(b) of this Agreement. The
Servicer shall be responsible for obtaining from each Subservicer and delivering
to the Owner, any Master Servicer and any Depositor any Annual Statement
of
Compliance required to be delivered by such Subservicer under Section 6.04(a),
any Assessment of Compliance and Attestation Report required to be delivered
by
such Subservicer under Section 6.09 and any Annual Certification required
under
Section 6.04(b) as and when required to be delivered.
(c) The
Servicer shall promptly upon request provide to the Owner, any Master Servicer
and any Depositor (or any designee of the Depositor, such as an administrator)
a
written description (in form and substance satisfactory to the Owner, any
Master
Servicer and such Depositor) of the role and function of each Subcontractor
utilized by the Servicer or any Subservicer, specifying (i) the identity
of each
such Subcontractor, (ii) which (if any) of such Subcontractors are
“participating in the servicing function” within the meaning of Item 1122 of
Regulation AB, and (iii) which elements of the Servicing Criteria will
be
addressed in assessments of compliance provided by each Subcontractor identified
pursuant to clause (ii) of this paragraph.
(d) As
a
condition to the utilization of any Subcontractor determined to be
“participating in the servicing function” within the meaning of Item 1122 of
Regulation AB, the Servicer shall cause any such Subcontractor used by
the
Servicer (or by any Subservicer) for the benefit of the Owner and any Depositor
to comply with the provisions of Sections 6.09 and 10.02 of this Agreement
to
the same extent as if such Subcontractor were the Servicer. The Servicer
shall
be responsible for obtaining from each Subcontractor and delivering to
the Owner
and any Depositor any Assessment of Compliance and Attestation Report and
the
other certificates required to be delivered by such Subservicer and such
Subcontractor under Section 6.09, in each case as and when required to
be
delivered.
18. Article
XI of the Agreement is hereby amended effective as of the date hereof by
adding
the following new Section 11.17:
For
purposes of this Agreement, and with respect to any Mortgage Loan in a
Pass-Through Transfer, the related Master Servicer shall be considered
a third
party beneficiary to this Agreement, entitled to all the rights and benefits
hereof as if it were a direct party to this Agreement, with respect to
such
Mortgage Loans.
19. The
Agreement is hereby amended effective as of the date hereof by deleting
Exhibit
E in its entirety and replacing it with the following:
EXHIBIT
E
REPORTING
DATA FOR MONTHLY REPORT
|
Standard
File Layout - Master Servicing
|
||||
|
Column
Name
|
Description
|
Decimal
|
Format
Comment
|
Max
Size
|
|
SER_INVESTOR_NBR
|
A
value assigned by the Servicer to define a group of loans.
|
Text
up to 10 digits
|
20
|
|
|
LOAN_NBR
|
A
unique identifier assigned to each loan by the investor.
|
Text
up to 10 digits
|
10
|
|
|
SERVICER_LOAN_NBR
|
A
unique number assigned to a loan by the Servicer. This may be
different
than the LOAN_NBR.
|
Text
up to 10 digits
|
10
|
|
|
BORROWER_NAME
|
The
borrower name as received in the file. It is not separated by
first and
last name.
|
Maximum
length of 30 (Last, First)
|
30
|
|
|
SCHED_PAY_AMT
|
Scheduled
monthly principal and scheduled interest payment that a borrower
is
expected to pay, P&I constant.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
NOTE_INT_RATE
|
The
loan interest rate as reported by the Servicer.
|
4
|
Max
length of 6
|
6
|
|
NET_INT_RATE
|
The
loan gross interest rate less the service fee rate as reported
by the
Servicer.
|
4
|
Max
length of 6
|
6
|
|
SERV_FEE_RATE
|
The
servicer's fee rate for a loan as reported by the
Servicer.
|
4
|
Max
length of 6
|
6
|
|
SERV_FEE_AMT
|
The
servicer's fee amount for a loan as reported by the
Servicer.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
NEW_PAY_AMT
|
The
new loan payment amount as reported by the Servicer.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
NEW_LOAN_RATE
|
The
new loan rate as reported by the Servicer.
|
4
|
Max
length of 6
|
6
|
|
ARM_INDEX_RATE
|
The
index the Servicer is using to calculate a forecasted
rate.
|
4
|
Max
length of 6
|
6
|
|
ACTL_BEG_PRIN_BAL
|
The
borrower's actual principal balance at the beginning of the processing
cycle.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
ACTL_END_PRIN_BAL
|
The
borrower's actual principal balance at the end of the processing
cycle.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
BORR_NEXT_PAY_DUE_DATE
|
The
date at the end of processing cycle that the borrower's next
payment is
due to the Servicer, as reported by Servicer.
|
MM/DD/YYYY
|
10
|
|
|
SERV_CURT_AMT_1
|
The
first curtailment amount to be applied.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SERV_CURT_DATE_1
|
The
curtailment date associated with the first curtailment
amount.
|
MM/DD/YYYY
|
10
|
|
|
CURT_ADJ_
AMT_1
|
The
curtailment interest on the first curtailment amount, if
applicable.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SERV_CURT_AMT_2
|
The
second curtailment amount to be applied.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SERV_CURT_DATE_2
|
The
curtailment date associated with the second curtailment
amount.
|
MM/DD/YYYY
|
10
|
|
|
CURT_ADJ_
AMT_2
|
The
curtailment interest on the second curtailment amount, if
applicable.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SERV_CURT_AMT_3
|
The
third curtailment amount to be applied.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SERV_CURT_DATE_3
|
The
curtailment date associated with the third curtailment
amount.
|
MM/DD/YYYY
|
10
|
|
|
CURT_ADJ_AMT_3
|
The
curtailment interest on the third curtailment amount, if
applicable.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
PIF_AMT
|
The
loan "paid in full" amount as reported by the Servicer.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
PIF_DATE
|
The
paid in full date as reported by the Servicer.
|
MM/DD/YYYY
|
10
|
|
|
Action
Code Key: 15=Bankruptcy, 00xXxxxxxxxxxx, , 00xXXX, 63=Substitution,
65=Repurchase,70=REO
|
2
|
|||
|
ACTION_CODE
|
The
standard FNMA numeric code used to indicate the default/delinquent
status
of a particular loan.
|
|||
|
INT_ADJ_AMT
|
The
amount of the interest adjustment as reported by the
Servicer.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SOLDIER_SAILOR_ADJ_AMT
|
The
Soldier and Sailor Adjustment amount, if applicable.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
NON_ADV_LOAN_AMT
|
The
Non Recoverable Loan Amount, if applicable.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
LOAN_LOSS_AMT
|
The
amount the Servicer is passing as a loss, if applicable.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SCHED_BEG_PRIN_BAL
|
The
scheduled outstanding principal amount due at the beginning of
the cycle
date to be passed through to investors.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SCHED_END_PRIN_BAL
|
The
scheduled principal balance due to investors at the end of a
processing
cycle.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SCHED_PRIN_AMT
|
The
scheduled principal amount as reported by the Servicer for the
current
cycle -- only applicable for Scheduled/Scheduled Loans.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
SCHED_NET_INT
|
The
scheduled gross interest amount less the service fee amount for
the
current cycle as reported by the Servicer -- only applicable
for
Scheduled/Scheduled Loans.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
ACTL_PRIN_AMT
|
The
actual principal amount collected by the Servicer for the current
reporting cycle -- only applicable for Actual/Actual
Loans.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
ACTL_NET_INT
|
The
actual gross interest amount less the service fee amount for
the current
reporting cycle as reported by the Servicer -- only applicable
for
Actual/Actual Loans.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
PREPAY_PENALTY_
AMT
|
The
penalty amount received when a borrower prepays on his loan as
reported by
the Servicer.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
PREPAY_PENALTY_
WAIVED
|
The
prepayment penalty amount for the loan waived by the
servicer.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
|
MOD_DATE
|
The
Effective Payment Date of the Modification for the loan.
|
MM/DD/YYYY
|
10
|
|
|
MOD_TYPE
|
The
Modification Type.
|
Varchar
- value can be alpha or numeric
|
30
|
|
|
DELINQ_P&I_ADVANCE_AMT
|
The
current outstanding principal and interest advances made by
Servicer.
|
2
|
No
commas(,) or dollar signs ($)
|
11
|
20. The
Agreement is hereby amended effective as of the date hereof by adding the
following new Exhibit F:
EXHIBIT
F
FORM
OF
SERVICER CERTIFICATION
Re: The
[ ]
agreement dated as of [ l,
200[ ]
(the “Agreement”), among [IDENTIFY PARTIES]
I,
____________________________, the _______________________ of [NAME OF SERVICER]
(the “Company”), certify to [the Purchaser], [the Depositor], and the [Master
Servicer] [Securities Administrator] [Trustee], and their officers, with
the
knowledge and intent that they will rely upon this certification,
that:
I
have
reviewed the servicer compliance statement of the Company provided in accordance
with Item 1123 of Regulation AB (the “Compliance Statement”), the report on
assessment of the Company’s compliance with the servicing criteria set forth in
Item 1122(d) of Regulation AB (the “Servicing Criteria”), provided in accordance
with Rules 13a-18 and 15d-18 under Securities Exchange Act of 1934, as
amended
(the “Exchange Act”) and Item 1122 of Regulation AB (the “Servicing
Assessment”), the registered public accounting firm’s attestation report
provided in accordance with Rules 13a-18 and 15d-18 under the Exchange
Act and
Section 1122(b) of Regulation AB (the “Attestation Report”), and all servicing
reports, officer’s certificates and other information relating to the servicing
of the Mortgage Loans by the Company during 200[ ] that were delivered
by the
Company to the [Depositor] [Master Servicer] [Securities Administrator]
[Trustee] pursuant to the Agreement (collectively, the “Company Servicing
Information”);
Based
on
my knowledge, the Company Servicing Information, 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 the light of the circumstances
under
which such statements were made, not misleading with respect to the period
of
time covered by the Company Servicing Information;
Based
on
my knowledge, all of the Company Servicing Information required to be provided
by the Company under the Agreement has been provided to the [Depositor]
[Master
Servicer] [Securities Administrator] [Trustee];
I
am
responsible for reviewing the activities performed by the Company as servicer
under the Agreement, and based on my knowledge and the compliance review
conducted in preparing the Compliance Statement and except as disclosed
in the
Compliance Statement, the Servicing Assessment or the Attestation Report,
the
Company has fulfilled its obligations under the Agreement in all material
respects; and
The
Compliance Statement required to be delivered by the Company pursuant to
this
Agreement, and the Servicing Assessment and Attestation Report required
to be
provided by the Company and by any Subservicer and Subcontractor pursuant
to the
Agreement, have been provided to the [Depositor] [Master Servicer]. Any
material
instances of noncompliance described in such reports have been disclosed
to the
[Depositor] [Master Servicer]. Any material instance of noncompliance with
the
Servicing Criteria has been disclosed in such reports.
21. The
Agreement is hereby amended effective as of the date hereof by adding the
following new Exhibit G:
EXHIBIT
G
SERVICING
CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE
The
assessment of compliance to be delivered by [the Servicer] [Name of Subservicer]
shall address, at a minimum, the criteria identified as below as “Applicable
Servicing Criteria”:
|
Servicing
Criteria
|
Applicable
Servicing Criteria
|
|
|
Reference
|
Criteria
|
|
|
|
General
Servicing Considerations
|
|
|
1122(d)(1)(i)
|
Policies
and procedures are instituted to monitor any performance or other
triggers
and events of default in accordance with the transaction
agreements.
|
|
|
1122(d)(1)(ii)
|
If
any material servicing activities are outsourced to third parties,
policies and procedures are instituted to monitor the third party’s
performance and compliance with such servicing activities.
|
|
|
1122(d)(1)(iii)
|
Any
requirements in the transaction agreements to maintain a back-up
servicer
for the mortgage loans are maintained.
|
|
|
1122(d)(1)(iv)
|
A
fidelity bond and errors and omissions policy is in effect on
the party
participating in the servicing function throughout the reporting
period in
the amount of coverage required by and otherwise in accordance
with the
terms of the transaction agreements.
|
|
|
|
Cash
Collection and Administration
|
|
|
1122(d)(2)(i)
|
Payments
on mortgage loans are deposited into the appropriate custodial
bank
accounts and related bank clearing accounts no more than two
business days
following receipt, or such other number of days specified in
the
transaction agreements.
|
|
|
1122(d)(2)(ii)
|
Disbursements
made via wire transfer on behalf of an obligor or to an investor
are made
only by authorized personnel.
|
|
|
1122(d)(2)(iii)
|
Advances
of funds or guarantees regarding collections, cash flows or distributions,
and any interest or other fees charged for such advances, are
made,
reviewed and approved as specified in the transaction
agreements.
|
|
|
1122(d)(2)(iv)
|
The
related accounts for the transaction, such as cash reserve accounts
or
accounts established as a form of overcollateralization, are
separately
maintained (e.g., with respect to commingling of cash) as set
forth in the
transaction agreements.
|
|
|
1122(d)(2)(v)
|
Each
custodial account is maintained at a federally insured depository
institution as set forth in the transaction agreements. For purposes
of
this criterion, “federally insured depository institution” with respect to
a foreign financial institution means a foreign financial institution
that
meets the requirements of Rule 13k-1(b)(1) of the Securities
Exchange
Act.
|
|
|
1122(d)(2)(vi)
|
Unissued
checks are safeguarded so as to prevent unauthorized
access.
|
|
|
1122(d)(2)(vii)
|
Reconciliations
are prepared on a monthly basis for all asset-backed securities
related
bank accounts, including custodial accounts and related bank
clearing
accounts. These reconciliations are (A) mathematically accurate;
(B)
prepared within 30 calendar days after the bank statement cutoff
date, or
such other number of days specified in the transaction agreements;
(C)
reviewed and approved by someone other than the person who prepared
the
reconciliation; and (D) contain explanations for reconciling
items. These
reconciling items are resolved within 90 calendar days of their
original
identification, or such other number of days specified in the
transaction
agreements.
|
|
|
|
Investor
Remittances and Reporting
|
|
|
1122(d)(3)(i)
|
Reports
to investors, including those to be filed with the Commission,
are
maintained in accordance with the transaction agreements and
applicable
Commission requirements. Specifically, such reports (A) are prepared
in
accordance with timeframes and other terms set forth in the transaction
agreements; (B) provide information calculated in accordance
with the
terms specified in the transaction agreements; (C) are filed
with the
Commission as required by its rules and regulations; and (D)
agree with
investors’ or the trustee’s records as to the total unpaid principal
balance and number of mortgage loans serviced by the
Servicer.
|
|
|
1122(d)(3)(ii)
|
Amounts
due to investors are allocated and remitted in accordance with
timeframes,
distribution priority and other terms set forth in the transaction
agreements.
|
|
|
1122(d)(3)(iii)
|
Disbursements
made to an investor are posted within two business days to the
Servicer’s
investor records, or such other number of days specified in the
transaction agreements.
|
|
|
1122(d)(3)(iv)
|
Amounts
remitted to investors per the investor reports agree with cancelled
checks, or other form of payment, or custodial bank
statements.
|
|
|
|
Pool
Asset Administration
|
|
|
1122(d)(4)(i)
|
Collateral
or security on mortgage loans is maintained as required by the
transaction
agreements or related mortgage loan documents.
|
|
|
1122(d)(4)(ii)
|
Mortgage
loan and related documents are safeguarded as required by the
transaction
agreements
|
|
|
1122(d)(4)(iii)
|
Any
additions, removals or substitutions to the asset pool are made,
reviewed
and approved in accordance with any conditions or requirements
in the
transaction agreements.
|
|
|
1122(d)(4)(iv)
|
Payments
on mortgage loans, including any payoffs, made in accordance
with the
related mortgage loan documents are posted to the Servicer’s obligor
records maintained no more than two business days after receipt,
or such
other number of days specified in the transaction agreements,
and
allocated to principal, interest or other items (e.g., escrow)
in
accordance with the related mortgage loan documents.
|
|
|
1122(d)(4)(v)
|
The
Servicer’s records regarding the mortgage loans agree with the Servicer’s
records with respect to an obligor’s unpaid principal
balance.
|
|
|
1122(d)(4)(vi)
|
Changes
with respect to the terms or status of an obligor's mortgage
loans (e.g.,
loan modifications or re-agings) are made, reviewed and approved
by
authorized personnel in accordance with the transaction agreements
and
related pool asset documents.
|
|
|
1122(d)(4)(vii)
|
Loss
mitigation or recovery actions (e.g., forbearance plans, modifications
and
deeds in lieu of foreclosure, foreclosures and repossessions,
as
applicable) are initiated, conducted and concluded in accordance
with the
timeframes or other requirements established by the transaction
agreements.
|
|
|
1122(d)(4)(viii)
|
Records
documenting collection efforts are maintained during the period
a mortgage
loan is delinquent in accordance with the transaction agreements.
Such
records are maintained on at least a monthly basis, or such other
period
specified in the transaction agreements, and describe the entity’s
activities in monitoring delinquent mortgage loans including,
for example,
phone calls, letters and payment rescheduling plans in cases
where
delinquency is deemed temporary (e.g., illness or
unemployment).
|
|
|
1122(d)(4)(ix)
|
Adjustments
to interest rates or rates of return for mortgage loans with
variable
rates are computed based on the related mortgage loan
documents.
|
|
|
1122(d)(4)(x)
|
Regarding
any funds held in trust for an obligor (such as escrow accounts):
(A) such
funds are analyzed, in accordance with the obligor’s mortgage loan
documents, on at least an annual basis, or such other period
specified in
the transaction agreements; (B) interest on such funds is paid,
or
credited, to obligors in accordance with applicable mortgage
loan
documents and state laws; and (C) such funds are returned to
the obligor
within 30 calendar days of full repayment of the related mortgage
loans,
or such other number of days specified in the transaction
agreements.
|
|
|
1122(d)(4)(xi)
|
Payments
made on behalf of an obligor (such as tax or insurance payments)
are made
on or before the related penalty or expiration dates, as indicated
on the
appropriate bills or notices for such payments, provided that
such support
has been received by the servicer at least 30 calendar days prior
to these
dates, or such other number of days specified in the transaction
agreements.
|
|
|
1122(d)(4)(xii)
|
Any
late payment penalties in connection with any payment to be made
on behalf
of an obligor are paid from the servicer’s funds and not charged to the
obligor, unless the late payment was due to the obligor’s error or
omission.
|
|
|
1122(d)(4)(xiii)
|
Disbursements
made on behalf of an obligor are posted within two business days
to the
obligor’s records maintained by the servicer, or such other number of
days
specified in the transaction agreements.
|
|
|
1122(d)(4)(xiv)
|
Delinquencies,
charge-offs and uncollectible accounts are recognized and recorded
in
accordance with the transaction agreements.
|
|
|
1122(d)(4)(xv)
|
Any
external enhancement or other support, identified in Item 1114(a)(1)
through (3) or Item 1115 of Regulation AB, is maintained as set
forth in
the transaction agreements.
|
|
|
|
|
|
| [NAME OF COMPANY] [NAME OF SUBSERVICER] | |||
| Date: | |||
| By: | |||
| Name: | |||
| Title: | |||
22. The
Agreement is hereby amended effective as of the date hereof by adding the
following new Exhibit H:
EXHIBIT
H
REPORTING
DATA FOR DEFAULTED LOANS
|
Standard
File Layout - Delinquency Reporting
|
|||
|
Column/Header
Name
|
Description
|
Decimal
|
Format
Comment
|
|
SERVICER_LOAN_NBR
|
A
unique number assigned to a loan by the Servicer. This may be
different
than the LOAN_NBR
|
|
|
|
LOAN_NBR
|
A
unique identifier assigned to each loan by the originator.
|
|
|
|
CLIENT_NBR
|
Servicer
Client Number
|
||
|
SERV_INVESTOR_NBR
|
Contains
a unique number as assigned by an external servicer to identify
a group of
loans in their system.
|
|
|
|
BORROWER_FIRST_NAME
|
First
Name of the Borrower.
|
||
|
BORROWER_LAST_NAME
|
Last
name of the borrower.
|
||
|
PROP_ADDRESS
|
Street
Name and Number of Property
|
|
|
|
PROP_STATE
|
The
state where the property located.
|
|
|
|
PROP_ZIP
|
Zip
code where the property is located.
|
|
|
|
BORR_NEXT_PAY_DUE_DATE
|
The
date that the borrower's next payment is due to the servicer
at the end of
processing cycle, as reported by Servicer.
|
MM/DD/YYYY
|
|
|
LOAN_TYPE
|
Loan
Type (i.e. FHA, VA, Conv)
|
|
|
|
BANKRUPTCY_FILED_DATE
|
The
date a particular bankruptcy claim was filed.
|
MM/DD/YYYY
|
|
|
BANKRUPTCY_CHAPTER_CODE
|
The
chapter under which the bankruptcy was filed.
|
|
|
|
BANKRUPTCY_CASE_NBR
|
The
case number assigned by the court to the bankruptcy
filing.
|
|
|
|
POST_PETITION_DUE_DATE
|
The
payment due date once the bankruptcy has been approved by the
courts
|
MM/DD/YYYY
|
|
|
BANKRUPTCY_DCHRG_DISM_DATE
|
The
Date The Loan Is Removed From Bankruptcy. Either by Dismissal,
Discharged
and/or a Motion For Relief Was Granted.
|
MM/DD/YYYY
|
|
|
LOSS_MIT_APPR_DATE
|
The
Date The Loss Mitigation Was Approved By The Servicer
|
MM/DD/YYYY
|
|
|
LOSS_MIT_TYPE
|
The
Type Of Loss Mitigation Approved For A Loan Such As;
|
||
|
LOSS_MIT_EST_COMP_DATE
|
The
Date The Loss Mitigation /Plan Is Scheduled To End/Close
|
MM/DD/YYYY
|
|
|
LOSS_MIT_ACT_COMP_DATE
|
The
Date The Loss Mitigation Is Actually Completed
|
MM/DD/YYYY
|
|
|
FRCLSR_APPROVED_DATE
|
The
date DA Admin sends a letter to the servicer with instructions
to begin
foreclosure proceedings.
|
MM/DD/YYYY
|
|
|
ATTORNEY_REFERRAL_DATE
|
Date
File Was Referred To Attorney to Pursue Foreclosure
|
MM/DD/YYYY
|
|
|
FIRST_LEGAL_DATE
|
Notice
of 1st legal filed by an Attorney in a Foreclosure Action
|
MM/DD/YYYY
|
|
|
FRCLSR_SALE_EXPECTED_DATE
|
The
date by which a foreclosure sale is expected to occur.
|
MM/DD/YYYY
|
|
|
FRCLSR_SALE_DATE
|
The
actual date of the foreclosure sale.
|
MM/DD/YYYY
|
|
|
FRCLSR_SALE_AMT
|
The
amount a property sold for at the foreclosure sale.
|
2
|
No
commas(,) or dollar signs ($)
|
|
EVICTION_START_DATE
|
The
date the servicer initiates eviction of the borrower.
|
MM/DD/YYYY
|
|
|
EVICTION_COMPLETED_DATE
|
The
date the court revokes legal possession of the property from the
borrower.
|
MM/DD/YYYY
|
|
|
LIST_PRICE
|
The
price at which an REO property is marketed.
|
2
|
No
commas(,) or dollar signs ($)
|
|
LIST_DATE
|
The
date an REO property is listed at a particular price.
|
MM/DD/YYYY
|
|
|
OFFER_AMT
|
The
dollar value of an offer for an REO property.
|
2
|
No
commas(,) or dollar signs ($)
|
|
OFFER_DATE_TIME
|
The
date an offer is received by DA Admin or by the Servicer.
|
MM/DD/YYYY
|
|
|
REO_CLOSING_DATE
|
The
date the REO sale of the property is scheduled to close.
|
MM/DD/YYYY
|
|
|
REO_ACTUAL_CLOSING_DATE
|
Actual
Date Of REO Sale
|
MM/DD/YYYY
|
|
|
OCCUPANT_CODE
|
Classification
of how the property is occupied.
|
|
|
|
PROP_CONDITION_CODE
|
A
code that indicates the condition of the property.
|
|
|
|
PROP_INSPECTION_DATE
|
The
date a property inspection is performed.
|
MM/DD/YYYY
|
|
|
APPRAISAL_DATE
|
The
date the appraisal was done.
|
MM/DD/YYYY
|
|
|
CURR_PROP_VAL
|
The
current "as is" value of the property based on brokers price
opinion or
appraisal.
|
2
|
|
|
REPAIRED_PROP_VAL
|
The
amount the property would be worth if repairs are completed pursuant
to a
broker's price opinion or appraisal.
|
2
|
|
|
If
applicable:
|
|
|
|
|
DELINQ_STATUS_CODE
|
FNMA
Code Describing Status of Loan
|
||
|
DELINQ_REASON_CODE
|
The
circumstances which caused a borrower to stop paying on a loan.
Code
indicates the reason why the loan is in default for this
cycle.
|
||
|
MI_CLAIM_FILED_DATE
|
Date
Mortgage Insurance Claim Was Filed With Mortgage Insurance
Company.
|
MM/DD/YYYY
|
|
|
MI_CLAIM_AMT
|
Amount
of Mortgage Insurance Claim Filed
|
No
commas(,) or dollar signs ($)
|
|
|
MI_CLAIM_PAID_DATE
|
Date
Mortgage Insurance Company Disbursed Claim Payment
|
MM/DD/YYYY
|
|
|
MI_CLAIM_AMT_PAID
|
Amount
Mortgage Insurance Company Paid On Claim
|
2
|
No
commas(,) or dollar signs ($)
|
|
POOL_CLAIM_FILED_DATE
|
Date
Claim Was Filed With Pool Insurance Company
|
MM/DD/YYYY
|
|
|
POOL_CLAIM_AMT
|
Amount
of Claim Filed With Pool Insurance Company
|
2
|
No
commas(,) or dollar signs ($)
|
|
POOL_CLAIM_PAID_DATE
|
Date
Claim Was Settled and The Check Was Issued By The Pool
Insurer
|
MM/DD/YYYY
|
|
|
POOL_CLAIM_AMT_PAID
|
Amount
Paid On Claim By Pool Insurance Company
|
2
|
No
commas(,) or dollar signs ($)
|
|
FHA_PART_A_CLAIM_FILED_DATE
|
Date
FHA Part A Claim Was Filed With HUD
|
MM/DD/YYYY
|
|
|
FHA_PART_A_CLAIM_AMT
|
Amount
of FHA Part A Claim Filed
|
2
|
No
commas(,) or dollar signs ($)
|
|
FHA_PART_A_CLAIM_PAID_DATE
|
Date
HUD Disbursed Part A Claim Payment
|
MM/DD/YYYY
|
|
|
FHA_PART_A_CLAIM_PAID_AMT
|
Amount
HUD Paid on Part A Claim
|
2
|
No
commas(,) or dollar signs ($)
|
|
FHA_PART_B_CLAIM_FILED_DATE
|
Date
FHA Part B Claim Was Filed With HUD
|
MM/DD/YYYY
|
|
|
FHA_PART_B_CLAIM_AMT
|
Amount
of FHA Part B Claim Filed
|
2
|
No
commas(,) or dollar signs ($)
|
|
FHA_PART_B_CLAIM_PAID_DATE
|
Date
HUD Disbursed Part B Claim Payment
|
MM/DD/YYYY
|
|
|
FHA_PART_B_CLAIM_PAID_AMT
|
Amount
HUD Paid on Part B Claim
|
2
|
No
commas(,) or dollar signs ($)
|
|
VA_CLAIM_FILED_DATE
|
Date
VA Claim Was Filed With the Veterans Admin
|
MM/DD/YYYY
|
|
|
VA_CLAIM_PAID_DATE
|
Date
Veterans Admin. Disbursed VA Claim Payment
|
MM/DD/YYYY
|
|
|
VA_CLAIM_PAID_AMT
|
Amount
Veterans Admin. Paid on VA Claim
|
2
|
No
commas(,) or dollar signs ($)
|
Exhibit
2: Standard
File Codes - Delinquency Reporting
The
Loss
Mit Type
field
should show the approved Loss Mitigation Code as follows:
| · |
ASUM-Approved
Assumption
|
| · |
BAP-Borrower
Assistance Program
|
| · |
CO-
Charge Off
|
| · |
DIL-
Deed-in-Lieu
|
| · |
FFA-
Formal Forbearance Agreement
|
| · |
MOD-
Loan Modification
|
| · |
PRE-
Pre-Sale
|
| · |
SS-
Short Sale
|
| · |
MISC-Anything
else approved by the PMI or Pool
Insurer
|
NOTE:
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 code as follows:
| · |
Mortgagor
|
| · |
Tenant
|
| · |
Unknown
|
| · |
Vacant
|
The
Property
Condition
field
should show the last reported condition of the property as follows:
| · |
Damaged
|
| · |
Excellent
|
| · |
Fair
|
| · |
Gone
|
| · |
Good
|
| · |
Poor
|
| · |
Special
Hazard
|
| · |
Unknown
|
Exhibit
2: Standard
File Codes - Delinquency Reporting, Continued
The
FNMA
Delinquent Reason Code
field
should show the Reason for Delinquency as follows:
|
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
|
Exhibit
2: Standard
File Codes - Delinquency Reporting, Continued
The
FNMA
Delinquent Status Code
field
should show the Status of Default as follows:
|
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
|
23. The
Agreement is hereby amended effective as of the date hereof by adding the
following new Exhibit I:
EXHIBIT
I
REPORTING
DATA FOR REALIZED LOSSES AND GAINS
Calculation
of Realized Loss/Gain Form 332- Instruction Sheet
NOTE:
Do not net or combine items. Show all expenses individually and all credits
as
separate line items. Claim packages are due on the remittance report date.
Late
submissions may result in claims not being passed until the following month.
The
Servicer is responsible to remit all funds pending loss approval and /or
resolution of any disputed items.
1.
2. The
numbers on the 332 form correspond with the numbers listed below.
Liquidation
and Acquisition Expenses:
1.
The
Actual Unpaid Principal Balance of the Mortgage Loan. For documentation,
an
Amortization Schedule from date of default through liquidation breaking
out the
net interest and servicing fees advanced is required.
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. For documentation,
an
Amortization Schedule from date of default through liquidation breaking
out the
net interest and servicing fees advanced is required.
3.
Accrued
Servicing Fees based upon the Scheduled Principal Balance of the Mortgage
Loan
as calculated on a monthly basis. For documentation, an Amortization Schedule
from date of default through liquidation breaking out the net interest
and
servicing fees advanced is required.
4-12. Complete
as applicable. Required documentation:
*
For
taxes and insurance advances - see page 2 of 332 form - breakdown required
showing period
of
coverage, base tax, interest, penalty. Advances prior to default require
evidence of servicer efforts to recover advances.
*
For
escrow advances - complete payment history
(to
calculate advances from last positive escrow balance forward)
*
Other
expenses - copies of corporate advance history showing all payments
*
REO
repairs > $1500 require explanation
*
REO
repairs >$3000 require evidence of at least 2 bids.
*
Short
Sale or Charge Off require P&L supporting the decision and WFB’s approved
Officer Certificate
*
Unusual
or extraordinary items may require further documentation.
13.
The
total
of lines 1 through 12.
3. Credits:
14-21. Complete
as applicable. Required documentation:
*
Copy of
the HUD 1 from the REO sale. If a 3rd
Party
Sale, bid instructions and Escrow Agent / Attorney
Letter
of
Proceeds Breakdown.
*
Copy of
EOB for any MI or gov't guarantee
*
All
other credits need to be clearly defined on the 332
form
22.
The
total
of lines 14 through 21.
Please
Note: For
HUD/VA loans, use line (18a) for Part A/Initial proceeds and line (18b)
for Part
B/Supplemental proceeds.
Total
Realized Loss (or Amount of Any Gain)
23. The
total
derived from subtracting line 22 from 13. If the amount represents a realized
gain, show
the
amount in parenthesis ( ).
Calculation
of Realized Loss/Gain Form 332
Prepared
by: __________________ Date:
_______________
Phone:
______________________ Email
Address:_____________________
|
Servicer
Loan No.
|
Servicer
Name
|
Servicer
Address
|
XXXXX
FARGO BANK, N.A. Loan No._____________________________
Borrower's
Name: _________________________________________________________
Property
Address: _________________________________________________________
Liquidation
Type: REO Sale
3rd
Party Sale Short
Sale Charge
Off
Was
this loan granted a Bankruptcy deficiency or cramdown Yes
No
If
“Yes”,
provide deficiency or cramdown amount
_______________________________
|
Liquidation
and Acquisition Expenses:
|
|||||||||||
|
(1)
|
Actual
Unpaid Principal Balance of Mortgage Loan
|
|
$ |
(1)
|
|||||||
|
(2)
|
Interest
accrued at Net Rate
|
|
(2)
|
||||||||
|
(3)
|
Accrued
Servicing Fees
|
|
(3)
|
||||||||
|
(4)
|
Attorney's
Fees
|
|
(4)
|
||||||||
|
(5)
|
Taxes
(see page 2)
|
|
(5)
|
||||||||
|
(6)
|
Property
Maintenance
|
|
(6)
|
||||||||
|
(7)
|
MI/Hazard
Insurance Premiums (see page 2)
|
(7)
|
|||||||||
|
(8)
|
Utility
Expenses
|
|
(8)
|
||||||||
|
(9)
|
Appraisal/BPO
|
|
(9)
|
||||||||
|
(10)
|
Property
Inspections
|
|
(10)
|
||||||||
|
(11)
|
FC
Costs/Other Legal Expenses
|
(11)
|
|||||||||
|
(12)
|
Other
(itemize)
|
|
(12)
|
||||||||
|
Cash
for Keys
|
(12)
|
||||||||||
|
HOA/Condo
Fees
|
(12)
|
||||||||||
|
|
(12)
|
||||||||||
|
Total
Expenses
|
$ |
(13)
|
|||||||||
|
Credits:
|
|||||||||||
|
(14)
|
Escrow
Balance
|
$ |
|
(14)
|
|||||||
|
(15)
|
HIP
Refund
|
(15)
|
|||||||||
|
(16)
|
Rental
Receipts
|
|
(16)
|
||||||||
|
(17)
|
Hazard
Loss Proceeds
|
|
(17)
|
||||||||
|
(18)
|
Primary
Mortgage Insurance / Gov’t Insurance
|
(18a)
|
|||||||||
|
(18a)
HUD Part A
|
|||||||||||
|
(18b)
|
|||||||||||
|
(18b)
HUD Part B
|
|||||||||||
|
(19)
|
Pool
Insurance Proceeds
|
(19)
|
|||||||||
|
(20)
|
Proceeds
from Sale of Acquired Property
|
(20)
|
|||||||||
|
(21)
|
Other
(itemize)
|
|
(21)
|
||||||||
|
|
|
(21)
|
|||||||||
|
Total
Credits
|
$ |
|
(22)
|
||||||||
|
Total
Realized Loss (or Amount of Gain)
|
|
$ |
(23)
|
||||||||
Escrow
Disbursement Detail
|
Type
(Tax
/Ins.)
|
Date
Paid
|
Period
of Coverage
|
Total
Paid
|
Base
Amount
|
Penalties
|
Interest
|
24. Except
as
amended above, the Agreement shall continue to be in full force and effect
in
accordance with its terms.
25. This
Amendment may be executed by one or more of the parties hereto on any number
of
separate counterparts and of said counterparts taken together shall be
deemed to
constitute one and the same instrument.
[SIGNATURE
PAGES FOLLOW]
IN
WITNESS WHEREOF, the following parties have caused their names to be signed
hereto by their respective officers thereunto duly authorized as of the
day and
year first above written.
| EMC
MORTGAGE CORPORATION,
as
Owner
|
|||
| By: | |||
| Name: | |||
| Title: | |||
|
GMAC
MORTGAGE CORPORATION,
as
Servicer
|
|||
| By: | |||
| Name: | |||
| Title: | |||
EXHIBIT
H-3
SERVICING
AGREEMENT
BANK
OF
AMERICA, NATIONAL CORPORATION
AMENDED
AND RESTATED
FLOW
MORTGAGE LOAN SALE AND SERVICING AGREEMENT
between
BANK
OF
AMERICA, NATIONAL ASSOCIATION,
as
Seller
and as Servicer,
and
EMC
MORTGAGE CORPORATION
as
Purchaser
April
1,
2005
Residential
Mortgage Loans
SECTION
1. Definitions.
SECTION
2. Purchase
and Conveyance.
SECTION
3. Mortgage
Loan Schedule.
SECTION
4. Purchase
Price.
SECTION
5. Examination
of Mortgage Files.
SECTION
6. Delivery
of Mortgage Loan Documents.
|
Subsection
6.01
|
Possession
of Mortgage Files.
|
|
Subsection
6.02
|
Books
and Records.
|
|
Subsection
6.03
|
Delivery
of Mortgage Loan Documents.
|
SECTION
7. Representations,
Warranties and Covenants; Remedies for Breach.
|
Subsection
7.01
|
Representations
and Warranties Regarding Individual Mortgage Loans.
|
|
Subsection
7.02
|
Seller
and Servicer Representations.
|
|
Subsection
7.03
|
Remedies
for Breach of Representations and Warranties.
|
|
Subsection
7.04
|
Repurchase
of Certain Prepaid or Converted Mortgage Loans.
|
SECTION
8. Closing
Conditions.
SECTION
9. [Reserved.]
SECTION
10. Costs.
SECTION
11. Administration
and Servicing of Mortgage Loans.
|
Subsection
11.01
|
Servicer
to Act as Servicer; Subservicing.
|
|
Subsection
11.02
|
Liquidation
of Mortgage Loans.
|
|
Subsection
11.03
|
Collection
of Mortgage Loan Payments.
|
|
Subsection
11.04
|
Establishment
of Custodial Account; Deposits in Custodial Account.
|
|
Subsection
11.05
|
Withdrawals
From the Custodial Account.
|
|
Subsection
11.06
|
Establishment
of Escrow Account; Deposits in Escrow Account.
|
|
Subsection
11.07
|
Withdrawals
From Escrow Account.
|
|
Subsection
11.08
|
Payment
of Taxes, Insurance and Other Charges; Collections
Thereunder.
|
|
Subsection
11.09
|
Transfer
of Accounts.
|
|
Subsection
11.10
|
Maintenance
of Hazard Insurance.
|
|
Subsection
11.11
|
Maintenance
of Primary Mortgage Insurance Policy; Claims.
|
|
Subsection
11.12
|
Fidelity
Bond; Errors and Omissions Insurance.
|
|
Subsection
11.13
|
Title,
Management and Disposition of REO Property.
|
|
Subsection
11.14
|
Servicing
Compensation.
|
|
Subsection
11.15
|
Distributions.
|
|
Subsection
11.16
|
Statements
to the Purchaser.
|
|
Subsection
11.17
|
Advances
by the Servicer.
|
|
Subsection
11.18
|
Assumption
Agreements.
|
|
Subsection
11.19
|
Satisfaction
of Mortgages and Release of Mortgage Files.
|
|
Subsection
11.20
|
Annual
Statement as to Compliance.
|
|
Subsection
11.21
|
Annual
Independent Public Accountants’ Servicing Report.
|
|
Subsection
11.22
|
Servicer
Shall Provide Access and Information as Reasonably
Required.
|
|
Subsection
11.23
|
Inspections.
|
|
Subsection
11.24
|
Restoration
of Mortgaged Property.
|
SECTION
12. The
Servicer.
|
Subsection
12.01
|
Indemnification;
Third Party Claims.
|
|
Subsection
12.02
|
Merger
or Consolidation of the Servicer.
|
|
Subsection
12.03
|
Limitation
on Liability of the Servicer and Others.
|
|
Subsection
12.04
|
Seller
and Servicer Not to Resign.
|
SECTION
13. Default.
|
Subsection
13.01
|
Events
of Default.
|
|
Subsection
13.02
|
Waiver
of Default.
|
SECTION
14. Termination.
|
Subsection
14.01
|
Termination.
|
|
Subsection
14.02
|
Successors
to the Servicer.
|
SECTION
15. Notices.
SECTION
16. Severability
Clause.
SECTION
17. No
Partnership.
SECTION
18. Counterparts.
SECTION
19. Governing
Law.
SECTION
20. Intention
of the Parties.
SECTION
21. Waivers.
SECTION
22. Exhibits.
SECTION
23. General
Interpretive Principles.
SECTION
24. Reproduction
of Documents.
SECTION
25. Amendment.
SECTION
26. Confidentiality.
SECTION
27. Entire
Agreement.
SECTION
28. Further
Agreements; Securitization.
SECTION
29. Successors
and Assigns.
SECTION
30. Non-Solicitation.
SECTION
31. Protection
of Consumer Information.
EXHIBITS
EXHIBIT
1 MORTGAGE
LOAN DOCUMENTS
EXHIBIT
2 CONTENTS
OF EACH MORTGAGE FILE
|
EXHIBIT
|
3
UNDERWRITING GUIDELINES
|
|
EXHIBIT
|
4
FORM OF LOST NOTE AFFIDAVIT
|
|
EXHIBIT
|
5
FORM OF MONTHLY REMITTANCE REPORT
|
|
EXHIBIT
|
6
FORM OF TERM SHEET
|
|
EXHIBIT
|
7
FORM OF CERTIFICATION TO BE PROVIDED BY THE
SERVICER
|
AMENDED
AND RESTATED
FLOW
MORTGAGE LOAN SALE AND SERVICING AGREEMENT
THIS
AMENDED AND RESTATED FLOW MORTGAGE LOAN SALE AND SERVICING AGREEMENT (the
“Agreement”),
dated
April 1, 2005, is hereby executed by and between EMC MORTGAGE
CORPORATION,
a
Delaware corporation, as purchaser (the “Purchaser”),
and
BANK
OF
AMERICA,
NATIONAL ASSOCIATION, a national banking association, as seller (the
“Seller”)
and as
servicer (the “Servicer”).
WITNESSETH:
WHEREAS,
the Seller, the Servicer and the Purchaser are parties to a Flow Mortgage
Loan
Sale and Servicing Agreement, dated as of March 1, 2003, as amended by Amendment
No. 1 to Flow Mortgage Loan Sale and Servicing Agreement, dated as of
December 1, 2003, and by Amendment No. 2 to Flow Mortgage Loan Sale and
Servicing Agreement, dated as of August 25, 2004 (collectively, the
“Existing
Flow Agreement”),
each
by and among the Seller, the Servicer and the Purchaser; and
WHEREAS,
the Seller has agreed to sell from time to time to the Purchaser, and the
Purchaser has agreed to purchase from time to time from the Seller, certain
conventional, residential, first-lien mortgage loans (the “Mortgage
Loans”)
as
described herein on a servicing-retained basis, and which shall be delivered
as
whole loans as provided herein; and
WHEREAS,
the Mortgage Loans will be sold by the Seller and purchased by the Purchaser
as
pools or groups of whole loans, servicing retained (each, a “Mortgage
Loan Package”)
on the
various Closing Dates as provided herein; and
WHEREAS,
each of the Mortgage Loans will be secured by a mortgage, deed of trust or
other
security instrument creating a first lien on a residential dwelling located
in
the jurisdiction indicated on the related Mortgage Loan Schedule which will
be
annexed to a Term Sheet (as defined herein) on the related Closing Date;
and
WHEREAS,
the Purchaser, the Seller and the Servicer wish to prescribe the manner of
the
conveyance, servicing and control of the Mortgage Loans;
NOW,
THEREFORE, in consideration of the premises and mutual agreements set forth
herein, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the Purchaser, the Seller and
the
Servicer agree that the Existing Flow Agreement is hereby amended and restated
in its entirety as set forth in the heading and recitals hereto and as
follows:
| SECTION 1. |
Definitions.
|
For
purposes of this Agreement, the following capitalized terms shall have the
respective meanings set forth below.
Adjustable
Rate Mortgage Loan:
A
Mortgage Loan that contains a provision pursuant to which the Mortgage Interest
Rate is adjusted periodically.
Adjustment
Date:
As to
each Adjustable Rate Mortgage 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
Amended and Restated Flow Mortgage Loan Sale and Servicing Agreement including
all exhibits, schedules, amendments and supplements hereto.
ALTA:
The
American Land Title Association or any successor thereto.
Appraised
Value:
With
respect to any Mortgaged Property, the lesser of (i) the value thereof as
determined by a Qualified Appraiser at the time of origination of the Mortgage
Loan, and (ii) the purchase price paid for the related Mortgaged Property
by the
Mortgagor with the proceeds of the Mortgage Loan; provided,
however,
that in
the case of a Refinanced Mortgage Loan, such value of the Mortgaged Property
is
based solely upon the value determined by an appraisal made for the originator
of such Refinanced Mortgage Loan at the time of origination of such Refinanced
Mortgage Loan by a Qualified Appraiser.
Assignment
of Mortgage:
An
individual assignment of the Mortgage, notice of transfer or equivalent
instrument in recordable form, sufficient under the laws of the jurisdiction
in
which the related Mortgaged Property is located to give record notice of
the
sale of the Mortgage to the Purchaser.
BPP
Addendum:
With
respect to any BPP Mortgage Loan, a Borrowers Protection Plan® addendum to the
related Mortgage Note pursuant to which the Servicer agrees to cancel (i)
certain payments of principal and interest on the related Mortgage Loan for
up
to twelve (12) months upon the disability or involuntary unemployment of
the
Mortgagor or (ii) the outstanding principal balance of such Mortgage Loan
upon
the accidental death of the Mortgagor, subject to the terms thereof. When
used
herein, a Mortgage Loan to which such BPP Addendum relates is a BPP Mortgage
Loan, to the extent not so stated.
BPP
Fees:
With
respect to any BPP Mortgage Loan, any fees payable by a Mortgagor for the
right
to cancel any portion of principal or interest of a BPP Mortgage Loan pursuant
to the terms of the related BPP Addendum.
BPP
Mortgage Loan:
Any
Mortgage Loan which includes a BPP Addendum under which the Mortgagor accepted
the Seller’s Borrowers Protection Plan® and is identified on the Mortgage Loan
Schedule as a BPP Mortgage Loan, provided that such BPP Addendum has not
been
terminated in accordance with its terms.
BPP
Mortgage Loan Payment:
With
respect to any BPP Mortgage Loan, the Monthly Covered Amount or Total Covered
Amount, if any, payable by the Servicer pursuant to Subsection 11.25.
Business
Day:
Any day
other than a Saturday or Sunday, or a day on which banking and savings and
loan
institutions in the States of New York, California or Virginia are authorized
or
obligated by law or executive order to be closed.
Closing
Date:
The
date or dates, set forth in the related Term Sheet, on which the Purchaser
from
time to time shall purchase and the Seller from time to time shall sell the
Mortgage Loans identified on the related Mortgage Loan Schedule attached
thereto.
CLTA:
The
California Land Title Association or any other successor thereto.
Code:
The
Internal Revenue Code of 1986, as amended, or any successor statute
thereto.
Condemnation
Proceeds:
All
awards, compensation and settlements in respect of a taking (whether permanent
or temporary) of all or part of a Mortgaged Property by exercise of the power
of
condemnation or the right of eminent domain, to the extent not required to
be
released to a Mortgagor in accordance with the terms of the related Mortgage
Loan Documents.
Consumer
Information:
Information including, but not limited to, all personal information about
the
Mortgagors that is supplied to the Seller by or on behalf of the
Mortgagors.
Convertible
Mortgage Loan:
An
Adjustable Rate Mortgage Loan that by its terms and subject to certain
conditions allows the Mortgagor to convert the adjustable Mortgage Interest
Rate
thereon to a fixed Mortgage Interest Rate.
Covered
Loan:
A
Mortgage Loan categorized as “Covered” pursuant to the Standard & Poor’s
Glossary for File Format for LEVELS® Version 5.6, Appendix E, as revised from
time to time and in effect on each related Closing Date.
Custodial
Account:
As
defined in Subsection 11.04.
Customary
Servicing Procedures:
Procedures (including collection procedures) that the Servicer customarily
employs and exercises in servicing and administering mortgage loans for its
own
account and which are in accordance with accepted mortgage servicing practices
of prudent lending institutions and the Xxxxxx Xxx Guides.
Cut-off
Date:
With
respect to each Mortgage Loan, the first day of the month of the related
Closing
Date as set forth in the related Term Sheet.
Cut-off
Date Principal Balance:
The
aggregate Stated Principal Balance of the Mortgage Loans, set forth in the
related Term Sheet, as of the related Cut-off Date which is determined after
the
application, to the reduction of principal, of payments of principal due
on or
before the related Cut-off Date, whether or not collected, and of Principal
Prepayments received before the related Cut-off Date.
Deleted
Mortgage Loan:
A
Mortgage Loan replaced or to be replaced with a Substitute Mortgage Loan
in
accordance with this Agreement.
Determination
Date:
With
respect to each Remittance Date, the 15th day (or, if such 15th day is not
a
Business Day, the following Business Day) of the month in which such Remittance
Date occurs.
Due
Date:
With
respect to each Remittance Date, the first day of the month in which such
Remittance Date occurs, which is the day on which the Monthly Payment is
due on
a Mortgage Loan, exclusive of any days of grace.
Due
Period:
With
respect to each Remittance Date, the period beginning on the second day of
the
month preceding the month of the Remittance Date, and ending on the first
day of
the month of the Remittance Date.
Eligible
Investments:
Any one
or more of the following obligations or securities:
(i) direct
obligations of, and 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;
(ii) (a) demand
or
time deposits, federal funds or bankers' acceptances issued by any depository
institu-tion 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 a term not to exceed thirty (30) days and with respect to
(a) any security described in clause (i) above and 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 one of the two highest rating categories by each Rating Agency at
the
time of such in-vestment or contractual commitment providing for such
investment; provided, however, that securities issued by any particular
corporation will not be Eligible Investments to the extent that investments
therein will cause the then outstanding principal amount of secur-ities issued
by such corporation and held as Eligible Investments to exceed 10% of the
aggregate outstand-ing principal balances of all of the Mortgage Loans and
Eligible Investments;
(v) commercial
paper (including both non-interest-bearing discount obligations and
interest-bearing obliga-tions payable on demand or on a specified date not
more
than one year after the date of issuance there-of) which is rated in one
of the
two 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 as evidenced in writing by each Rating
Agency; 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 instru-ment-al-ity 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 other securities 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 an Eligible Investment if such instrument
or
security evidences a right to receive only interest payments with respect
to the
obli-ga-tions underlying such instrument or if such security provides for
payment of both principal and interest with a yield to matur-ity in excess
of
120% of the yield to maturity at par or if such investment or security is
purchased at a price greater than par.
Escrow
Account:
As
defined in Subsection 11.06.
Escrow
Payments:
The
amounts constituting ground rents, taxes, assessments, Primary Mortgage
Insurance Policy premiums, fire and hazard insurance premiums, flood insurance
premiums, condominium charges and other payments as may be required to be
escrowed by the Mortgagor with the Mortgagee pursuant to the terms of any
Mortgage Note or Mortgage.
Event
of Default:
Any one
of the conditions or circumstances enumerated in
Subsection 13.01.
Xxxxxx
Xxx:
The
entity formerly known as the Federal National Mortgage Association or any
successor thereto.
Xxxxxx
Mae Guides:
The
Xxxxxx Xxx Xxxxxxx’ Guide and the Xxxxxx Mae Servicers’ Guide and all amendments
or additions thereto.
FDIC:
The
Federal Deposit Insurance Corporation or any successor thereto.
Fidelity
Bond:
The
fidelity bond required to be obtained by the Servicer pursuant to
Subsection 11.12.
FIRREA:
The
Financial Institutions Reform, Recovery, and Enforcement Act of 1989, as
amended
and in effect from time to time.
First
Remittance Date:
With
respect to each Mortgage Loan Package, the 18th
day (or
if such 18th
day is
not a Business Day, the Business Day immediately following such 18th day)
of the
month following the related Closing Date.
Xxxxxxx
Mac:
The
entity formerly known as the Federal Home Loan Mortgage Corporation or any
successor thereto.
Xxxxxxx
Mac Guide:
The
Xxxxxxx Mac Single Family Seller/Servicer Guide and all amendments or additions
thereto.
GAAP:
Generally accepted accounting principles consistently applied.
Gross
Margin:
With
respect to each Adjustable Rate Mortgage Loan, the fixed percentage amount
set
forth in each related Mortgage Note and Mortgage which is added to the Index
in
order to determine the related Mortgage Interest Rate.
High
Cost Loan:
A
Mortgage Loan classified as (a) a “high cost” loan under the Home Ownership and
Equity Protection Act of 1994, as amended, (b) a “high cost home,” “threshold,”
“covered” (excluding New Jersey “covered home loans” as that term is defined in
clause (i) of the definition of that term under the New Jersey Home Ownership
Security Act of 2002 (as amended) that were not originated between November
26,
2003 and July 7, 2004), “high risk home,” “predatory” or similar loan under any
other applicable state, federal or local law or (c) a Mortgage Loan categorized
as “High Cost” pursuant to the Standard & Poor’s Glossary for File Format
for LEVELS® Version 5.6, Appendix E, as revised from time to time and in effect
on each related Closing Date.
HUD:
The
United States Department of Housing and Urban Development or any successor
thereto.
Index:
With
respect to any Adjustable Rate Mortgage Loan, the index identified on the
Mortgage Loan Schedule and set forth in the related Mortgage Note for the
purpose of calculating interest thereon.
Initial
Rate Cap:
As to
each Adjustable Rate Mortgage Loan, the maximum increase or decrease in the
Mortgage Interest Rate on the first Adjustment Date 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:
As to
each Adjustable Rate Mortgage Loan, the maximum Mortgage Interest Rate which
shall be as permitted in accordance with the provisions of the related Mortgage
Note.
Liquidation
Proceeds:
The
proceeds received in connection with the liquidation of a defaulted Mortgage
Loan through trustee’s sale, foreclosure sale or otherwise, other than amounts
received following the acquisition of REO Property, Insurance Proceeds and
Condemnation Proceeds.
Loan-to-Value
Ratio:
With
respect to any Mortgage Loan as of any date of determination, the ratio,
expressed as a percentage, on such date of the outstanding principal balance
of
the Mortgage Loan, to the Appraised Value of the related Mortgaged
Property.
LTV:
Loan-to-Value Ratio.
Monthly
Covered Amount:
With
respect to any BPP Mortgage Loan, the amount of any principal and interest
due
by a Mortgagor and cancelled for any month pursuant to the terms of the related
BPP Addendum upon the disability or involuntary unemployment of such
Mortgagor.
Monthly
Payment:
With
respect to any Mortgage Loan, the scheduled payment of principal and interest
payable by a Mortgagor under the related Mortgage Note on each Due Date,
which
such payment may change on any Adjustment Date as provided in the related
Mortgage Note and Mortgage for any Adjustable Rate Mortgage Loan.
Mortgage:
The
mortgage, deed of trust or other instrument creating a first lien on the
Mortgaged Property securing the Mortgage Note.
Mortgage
File:
With
respect to any Mortgage Loan, the items listed in Exhibit 2
hereto
and any additional documents required to be added to the Mortgage File pursuant
to this Agreement.
Mortgage
Interest Rate:
With
respect to each Mortgage Loan, the annual rate at which interest accrues
on such
Mortgage Loan from time to time in accordance with the provisions of the
related
Mortgage Note, including, but not limited to, the limitations on such interest
rate imposed by the Initial Rate Cap, the Periodic Rate Cap and the Lifetime
Rate Cap, if any.
Mortgage
Loan:
Each
mortgage loan sold, assigned and transferred pursuant to this Agreement and
identified on the Mortgage Loan Schedule annexed to the related Term Sheet,
including, without limitation, the Mortgage File, 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 any Mortgage Loan, the documents listed in Exhibit 1
hereto.
Mortgage
Loan Package:
The
pool or group of whole loans purchased on a Closing Date, as described in
the
Mortgage Loan Schedule annexed to the related Term Sheet.
Mortgage
Loan Remittance Rate:
With
respect to any Mortgage Loan, the annual rate of interest payable to the
Purchaser, which shall be equal to the related Mortgage Interest Rate minus
the
related Servicing Fee Rate.
Mortgage
Loan Schedule:
With
respect to each Mortgage Loan Package, the schedule of Mortgage Loans annexed
to
the related Term Sheet (and delivered in electronic format to the Purchaser),
such schedule as setting forth the following information with respect to
each
Mortgage Loan: (1) the Servicer’s Mortgage Loan identifying number;
(2) a code indicating whether the Mortgaged Property is owner-occupied, a
second home or an investment property; (3) the property type for each
Mortgaged Property; (4) the original months to maturity and the remaining
months to maturity from the Cut-off Date; (5) the Loan-to-Value Ratio at
origination; (6) the Mortgage Interest Rate as of the Cut-off Date;
(7) the date on which the first Monthly Payment was due on the Mortgage
Loan, and, if such date is not the Due Date currently in effect, such Due
Date;
(8) the stated maturity date; (9) the amount of the Monthly Payment as
of the Cut-off Date; (10) the paid-through date; (11) the original
principal amount of the Mortgage Loan; (12) the Stated Principal Balance of
the Mortgage Loan as of the close of business on the Cut-off Date; (13) the
Mortgage Loan Remittance Rate as of the Cut-off Date; (14) a code
indicating the purpose of the Mortgage Loan; (15) a code indicating the
documentation style; (16) the Appraised Value; (17) the identity of
the Seller; (18) the street address of the Mortgaged Property, including
the city, state and zip code; (19) the number of times during the
twelve (12) month period preceding the Closing Date that any Monthly
Payment has been received more than thirty (30) days after its Due Date;
(20) a code indicating whether or not the Mortgage Loan is subject to a
Primary Mortgage Insurance Policy; (21) the date on which the Mortgage Loan
was originated; (22) a code indicating whether the Mortgage contains a
prepayment penalty provision together with the type and term of such penalty;
(23) with respect to each Adjustable Rate Mortgage Loan, the Gross Margin;
(24)
with respect to each Adjustable Rate Mortgage Loan, the Lifetime Rate Cap;
(25)
with respect to each Adjustable Rate Mortgage Loan, the Periodic Rate Cap;
(26)
with respect to each Adjustable Rate Mortgage Loan, the Initial Rate Cap;
(27)
with respect to each Adjustable Rate Mortgage Loan, the Adjustment Date;
(28) with respect to each Adjustable Rate Mortgage Loan, a code indicating
the type of Index; (29) a code indicating whether
the Mortgage Loan has a mandatory arbitration clause and
(30) a code indicating whether the Mortgage Loan is a BPP Mortgage Loan.
With respect to the Mortgage Loans on the Mortgage Loan Schedule in the
aggregate, the Mortgage Loan Schedule shall set forth the following information,
as of the Cut-off Date: (i) the number of Mortgage Loans; (ii) the
Cut-off Date Principal Balance; (iii) the weighted average Mortgage
Interest Rate of the Mortgage Loans; (iv) the weighted average months to
maturity of the Mortgage Loans; (v) with respect to each Adjustable Rate
Mortgage Loan, the weighted average Lifetime Rate Cap; and (vi) with respect
to
each Adjustable Rate Mortgage Loan, the weighted average Gross
Margin.
Mortgage
Note:
The
original executed note or other evidence of the Mortgage Loan indebtedness
of a
Mortgagor, including any riders or addenda thereto.
Mortgaged
Property:
The
Mortgagor’s real property securing repayment of a related Mortgage Note,
consisting of a fee simple interest in a single parcel of real property improved
by a Residential Dwelling.
Mortgagee:
The
mortgagee or beneficiary named in the Mortgage and the successors and assigns
of
such mortgagee or beneficiary.
Mortgagor:
The
obligor on a Mortgage Note, who is an owner of the Mortgaged Property and
the
grantor or mortgagor named in the Mortgage and such grantor’s or mortgagor’s
successors in title to the Mortgaged Property.
NAIC:
The
National
Association of Insurance Commissioners or any successor
organization.
Officer’s
Certificate:
A
certificate signed by the Chairman of the Board, the Vice Chairman of the
Board,
a President or a Vice President of the Person on behalf of whom such certificate
is being delivered.
Opinion
of Counsel:
A
written opinion of counsel, who may be an employee of the Seller or the
Servicer, reasonably acceptable to the Purchaser.
OTS:
The
Office of Thrift Supervision or any successor.
P&I
Advance:
As
defined in Subsection 11.17.
Periodic
Rate Cap:
As to
each Adjustable Rate Mortgage Loan, the maximum increase or decrease in the
Mortgage Interest Rate, on any Adjustment Date as provided in the related
Mortgage Note.
Person:
An
individual, corporation, partnership, joint venture, association, joint-stock
company, limited liability company, trust, unincorporated organization or
government or any agency or political subdivision thereof.
Primary
Mortgage Insurance Policy:
A
policy of primary mortgage guaranty insurance issued by an insurer acceptable
to
Xxxxxx Xxx or Xxxxxxx Mac.
Principal
Prepayment:
Any
payment or other recovery of principal on a Mortgage Loan which is received
in
advance of its scheduled Due Date that 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.
Purchase
Price:
The
price paid on the related Closing Date by the Purchaser to the Seller pursuant
to this Agreement in exchange for the Mortgage Loans included in the related
Mortgage Loan Package, as calculated pursuant to Section 4 and the related
Term
Sheet.
Purchase
Price Percentage:
For
each Mortgage Loan included in a Mortgage Loan Package, the percentage of
par
set forth in the related Term Sheet that is used to calculate the Purchase
Price
of the Mortgage Loans included in such Mortgage Loan Package.
Purchaser:
The
Person listed as such in the initial paragraph of this Agreement, together
with
its successors and assigns as permitted under the terms of this
Agreement.
Qualified
Appraiser:
An
appraiser of a Mortgaged Property duly appointed by the originator of the
related Mortgage Loan, who had no interest, direct or indirect, in such
Mortgaged Property or in any loan made on the security thereof, whose
compensation is not affected by the approval or disapproval of the related
Mortgage Loan and who met the qualifications of Xxxxxx Mae or Xxxxxxx Mac
and
satisfied the requirements of Title XI of FIRREA.
Rating
Agency:
Xxxxx’x
Investors Service, Inc., Standard & Poor’s Ratings Service, a Division of
The XxXxxx-Xxxx Companies, Inc., Fitch, Inc. or any other nationally recognized
statistical credit rating agency.
Record
Date:
The
close of business of the last Business Day of the month preceding the month
of
the related Remittance Date.
Refinanced
Mortgage Loan:
A
Mortgage Loan the proceeds of which were not used to purchase the related
Mortgaged Property.
Remittance
Date:
The
18th day (or if such 18th day is not a Business Day, the first Business Day
immediately following such 18th
day) of
any month, beginning with the First Remittance Date.
REO
Disposition:
The
final sale by the Servicer or the Purchaser of an REO Property.
REO
Disposition
Proceeds:
All
amounts received with respect to an REO Disposition pursuant to
Subsection 11.13.
REO
Property:
A
Mortgaged Property acquired by the Servicer through foreclosure or deed in
lieu
of foreclosure, as described in Subsection 11.13.
Repurchase
Price:
With
respect to any Mortgage Loan, an amount equal to (A) the Stated Principal
Balance of such Mortgage Loan as of the date of repurchase plus
(B) interest on such Stated Principal Balance at the Mortgage Loan
Remittance Rate from and including the last Due Date through which interest
has
been paid on behalf of the Mortgagor or advanced by the Servicer to the day
prior to such date of repurchase, less amounts received in respect of such
repurchased Mortgage Loan for distribution in connection with such Mortgage
Loan; provided, however, that if at the time of repurchase the Servicer is
not
the Seller or an affiliate of the Seller, the amount described in
clause (B) shall be computed at the sum of (i) the Mortgage Loan
Remittance Rate and (ii) the Servicing Fee Rate.
Residential
Dwelling:
Any one
of the following: (i) a detached one-family dwelling, (ii) a detached
two- to four-family dwelling, (iii) a one-family dwelling unit in a condominium
project or (iv) a one-family dwelling in a planned unit development, none
of which is a cooperative, mobile or manufactured home.
Sarbanes
Certifying Party:
A
Person who provides a certification required under the Xxxxxxxx-Xxxxx Act
of
2002 in connection with a Securitization or other securitization
transaction.
Securities: The
securities issued in connection with a Securitization evidencing beneficial
ownership interests in a trust the assets of which include the Mortgage
Loans.
Securitization: The
transfer of the Mortgage Loans to a trust formed as part of a publicly issued
and/or privately placed, rated securitization, including the issuance of
the
related Securities.
Seller:
Bank of
America, National Association, a national banking association, or its successor
in interest or any successor to the Seller under this Agreement appointed
as
herein provided.
Servicer:
Bank of
America, National Association, a national banking association, or its successor
in interest or any successor to the Servicer under this Agreement appointed
as
herein provided.
Servicing
Advances:
All
customary, reasonable and necessary out-of-pocket costs and expenses incurred
in
the performance by the Servicer of its servicing obligations, including,
but not
limited to, the cost of (a) the preservation, restoration and protection of
the Mortgaged Property, (b) any enforcement or judicial proceedings,
including foreclosures, (c) the management and liquidation of the Mortgaged
Property if the Mortgaged Property is acquired in satisfaction of the Mortgage,
and (d) payments made by the Servicer with respect to a Mortgaged Property
pursuant to Subsection 11.08.
Servicing
Fee:
With
respect to each Mortgage Loan, the amount of the annual fee the Purchaser
shall
pay to the Servicer, which shall, for each month, be equal to one-twelfth
of the
product of the applicable Servicing Fee Rate and the Stated 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 Purchaser to
pay
the Servicing Fee is limited to, and payable solely from, the interest portion
(including recoveries with respect to interest from Liquidation Proceeds
and
other proceeds, to the extent permitted by Subsection 11.05) of related
Monthly Payments collected by the Servicer, or as otherwise provided under
Subsection 11.05.
Servicing
Fee Rate:
With
respect to each Mortgage Loan, the per annum rate set forth on the related
Mortgage Loan Schedule or if not specified thereon, in the related Term
Sheet.
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 to the Purchaser by the Servicer, as such list may be
amended
from time to time.
Stated
Principal Balance:
As to
each Mortgage Loan as to any date of determination, (i) the principal
balance of the Mortgage Loan at the related Cut-off Date after giving effect
to
the principal portion of any Monthly Payments due on or before such date,
whether or not received, as well as any Principal Prepayments received before
such date, minus (ii) all amounts previously distributed to the Purchaser
with respect to the Mortgage Loan representing payments or recoveries of
principal, or advances in lieu thereof.
Substitute
Mortgage Loan:
A
mortgage loan substituted by the Seller for a Deleted Mortgage Loan which
must,
on the date of such substitution, be approved by the Purchaser and (i) have
a Stated Principal Balance, after deduction of the principal portion of the
Monthly Payment due in the month of substitution, not in excess of, and not
materially greater or less than, the Stated Principal Balance of the Deleted
Mortgage Loan; (ii) have a Mortgage Interest Rate equal to that of the
Deleted Mortgage Loan; (iii) have a Loan-to-Value Ratio not higher than
that of the Deleted Mortgage Loan; (iv) have a remaining term to 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 Subsection 7.01; (vi) be current in the payment of principal and
interest; (vii) be secured by a Mortgaged Property of the same type and
occupancy status as secured the Deleted Mortgage Loan; and (viii) have
payment terms that do not vary in any material respect from those of the
Deleted
Mortgage Loan.
Term
Sheet:
With
respect to each Mortgage Loan and Mortgage Loan Package, the Term Sheet,
substantially in the form of Exhibit
6
attached
hereto, confirming the sale by Seller and the purchase by the Purchaser of
the
Mortgage Loan Package on the related Closing Date.
Total
Covered Amount:
With
respect to any BPP Mortgage Loan, the outstanding principal balance of the
Mortgage Loan cancelled pursuant to the terms of the related BPP Addendum
upon
the accidental death of the related Mortgagor.
Underwriting
Guidelines:
The
underwriting guidelines of the Seller attached hereto as Exhibit
3,
as may
be updated and incorporated into Exhibit
3
from
time to time by providing such updates to the Purchaser. To be applicable
to a
given Mortgage Loan and Mortgage Loan Package purchased and sold hereunder,
such
updates shall be provided to the Purchaser in advance of the related Closing
Date.
| SECTION 2. |
Purchase
and Conveyance.
|
The
Seller, in exchange for the payment of the applicable Purchase Price by the
Purchaser on the related Closing Date, hereby agrees to sell, transfer, assign,
set over and convey to the Purchaser, without recourse, but subject to the
terms
of this Agreement, all of its rights, title and interest in and to the Mortgage
Loans in a Mortgage Loan Package having an aggregate principal balance on
the
related Cut-off Date in an amount as set forth in the related Term Sheet,
or in
such other amount as agreed by the Purchaser and the Seller as evidenced
by the
actual aggregate principal balance of the Mortgage Loan Package accepted
by the
Purchaser on the related Closing Date, together with the related Mortgage
Files
and all rights and obligations arising under the documents contained therein,
but excluding any BPP Fees.
With
respect to each Mortgage Loan purchased, the Purchaser shall own and be entitled
to receive: (a) all scheduled principal due after the applicable Cut-off
Date, (b) all other payments and/or recoveries of principal collected on or
after the applicable Cut-off Date (provided,
however,
that
all scheduled payments of principal due on or before the applicable Cut-off
Date
and collected by the Servicer after the applicable Cut-off Date shall belong
to
the Seller), (c) all payments of interest on the Mortgage Loans net of the
Servicing Fee (minus that portion of any such interest payment that is allocable
to the period prior to the applicable Cut-off Date) and (d) all BPP Mortgage
Loan Payments payable by the Servicer pursuant to Subsection 11.25 with respect
to scheduled principal and interest due after the applicable Cut-off
Date.
| SECTION 3. |
Mortgage
Loan Schedule.
|
The
Seller shall deliver the Mortgage Loan Schedule (which will be annexed to
the
related Term Sheet) to the Purchaser at least two (2) Business Days prior
to the related
Closing
Date.
| SECTION 4. |
Purchase
Price.
|
The
Purchase Price for each Mortgage Loan Package shall be the Purchase Price
Percentage multiplied by an amount equal to the Cut-off Date Principal Balance
of the Mortgage Loans in such Mortgage Loan Package, or as otherwise calculated
pursuant to the related Term Sheet, plus accrued interest on the aggregate
scheduled principal balance of the Mortgage Loan Package at the weighted
average
Mortgage Loan Remittance Rate from the related Cut-off Date through the day
immediately prior to the related Closing Date, inclusive. The initial principal
amount of the Mortgage Loans shall be the aggregate principal balance of
the
Mortgage Loans, so computed as of the related Cut-off Date, after application
of
scheduled payments of principal due on or before the related Cut-off Date,
whether or not collected. Such payment shall be made to the account designated
by the Seller by wire transfer of immediately available funds by 4:00 p.m.
Eastern Standard Time on the related Closing Date.
| SECTION 5. |
Examination
of Mortgage Files.
|
In
addition to any rights granted to the Purchaser hereunder to underwrite the
Mortgage Loans and review the Mortgage Loan Documents prior to the related
Closing
Date, the Seller shall, prior to the related
Closing
Date, make the Mortgage Files available to the Purchaser for examination
at the
Seller’s offices. Such examination may be made by the Purchaser or its designee,
at its expense, at any reasonable time before the related
Closing
Date. Such underwriting by the Purchaser or its designee shall not impair
or
diminish the rights of the Purchaser or any of its successors under this
Agreement with respect to a breach of the representations and warranties
contained in this Agreement. The fact that the Purchaser or its designee
has
conducted or has failed to conduct any partial or complete examination of
the
Mortgage Files shall not affect the Purchaser’s or any of its successors’ rights
to demand repurchase or other relief or remedy provided for in this
Agreement.
| SECTION 6. |
Delivery
of Mortgage Loan Documents.
|
Subsection
6.01 Possession
of Mortgage Files.
The
contents of each Mortgage File required to be retained by the Servicer to
service the Mortgage Loans pursuant to this Agreement and thus not delivered
to
the Purchaser or its designee are and shall be held in trust by the Servicer
for
the benefit of the Purchaser as the owner thereof. The Servicer’s possession of
any portion of each such Mortgage File is at the will of the Purchaser for
the
sole purpose of facilitating servicing of the Mortgage Loans 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 each Mortgage File is vested in the Purchaser and the ownership
of
all records and documents with respect to the related Mortgage Loan prepared
by
or which come into the possession of the Servicer shall immediately vest
in the
Purchaser and shall be retained and maintained, in trust, by the Servicer
at the
will of the Purchaser in such custodial capacity only. The Mortgage File
retained by the Servicer with respect to each Mortgage Loan pursuant to this
Agreement shall be appropriately identified in the Servicer’s computer system to
reflect clearly the ownership of such related Mortgage Loan by the Purchaser.
The Servicer shall release from its custody the contents of any Mortgage
File
retained by it only in accordance with this Agreement, except when such release
is required in connection with a repurchase of any such Mortgage Loan pursuant
to Subsection 7.03 of this Agreement or if required under applicable law or
court order. The Servicer shall deliver to the Purchaser copies of any documents
in a Mortgage File reasonably requested by the Purchaser within thirty (30)
days
after the date of such request, at the expense of the Purchaser.
Subsection
6.02 Books
and Records.
All
rights arising out of the Mortgage Loans including, but not limited to, all
funds received by the Servicer after the Cut-off Date on or in connection
with a
Mortgage Loan as provided in Section 2 shall be vested in the Purchaser,
subject to this Agreement; provided,
however,
that
all such funds received on or in connection with a Mortgage Loan as provided
in
Section 2 shall be received and held by the Servicer in trust for the
benefit of the Purchaser as the owner of the Mortgage Loans pursuant to the
terms of this Agreement.
As
more
fully set forth in Section 20, it is the express intention of the parties
that the transactions contemplated by this Agreement be, and be construed
as, a
sale of the Mortgage Loans by the Seller and not a pledge of the Mortgage
Loans
by the Seller to the Purchaser to secure a debt or other obligation of the
Seller. Consequently, the sale of each Mortgage Loan shall be reflected as
a
purchase on the Purchaser’s business records, tax returns and financial
statements, and as a sale of assets on the Seller’s business records, tax
returns and financial statements.
Subsection
6.03 Delivery
of Mortgage Loan Documents.
With
respect to each Mortgage Loan, the Seller shall deliver and release to the
Purchaser, or its designee, under a bailee letter, (a) at least two (2)
Business Days prior to the related Closing Date (or such later date as the
Purchaser may reasonably request), the original Mortgage Note endorsed in
blank
and the original Assignment of Mortgage assigned in blank and (b) the other
Mortgage Loan Documents within a reasonable time following the related Closing
Date. To the extent that any such Mortgage Loan Documents have been delivered
for recording and have not yet been returned to the Seller by the applicable
recording office, the Seller shall, promptly following receipt by it of such
Mortgage Loan Documents from the applicable recording office, deliver such
documents to the Purchaser or its designee; provided,
however,
that the
original recorded document or a clerk-certified copy thereof shall be delivered
to the Purchaser no later than one year following the related Closing Date,
subject to the following paragraph.
In
the
event that such original or copy of any document submitted for recordation
to
the appropriate public recording office is not so delivered to the Purchaser
or
its designee within one year following the related Closing Date, and in the
event that the Seller does not cure such failure within sixty (60) days
after receipt of written notification of such failure from the Purchaser,
the
related Mortgage Loan shall, upon the request of the Purchaser, be repurchased
by the Seller at a price and in the manner specified in Subsection 7.03.
The foregoing repurchase obligation shall not apply in the event the Seller
cannot cause the Servicer to deliver such original or clerk-certified copy
of
any document submitted for recordation to the appropriate public recording
office within the specified period due to a delay caused by the recording
office
in the applicable jurisdiction; provided
that
the
Seller shall cause the Servicer instead to deliver a recording receipt of
such
recording office or, if such recording receipt is not available, an Officer’s
Certificate of a servicing officer of the Servicer, confirming that such
document has been accepted for recording and that the Servicer shall immediately
deliver such document upon receipt; and, provided
further,
that if
the Seller cannot cause the Servicer to deliver such original or clerk-certified
copy of any document submitted for recordation to the appropriate public
recording office within the specified time for any reason within
twelve (12) months after receipt of written notification of such failure
from the Purchaser, the Seller shall repurchase the related Mortgage Loan
at the
price and in the manner specified in Subsection 7.03.
To
the
extent received by it, the Servicer shall promptly forward to the Purchaser,
or
its designee, original documents evidencing an assumption, modification,
consolidation or extension of any Mortgage Loan entered into in accordance
with
this Agreement.
| SECTION 7. |
Representations,
Warranties and Covenants; Remedies for Breach.
|
Subsection
7.01 Representations
and Warranties Regarding Individual Mortgage Loans.
The
Seller and, solely if specified below, the Servicer, hereby represent and
warrant to the Purchaser that, as to each Mortgage Loan, as of the related
Closing Date or such other date specified herein:
(a) The
information set forth in the Mortgage Loan Schedule annexed to the related
Term
Sheet and the information contained in the related electronic data file
delivered by the Seller to the Purchaser is true, correct and complete in
all
material respects.
(b) There
are
no defaults by the Seller, the Servicer or any prior originator in complying
with the terms of the Mortgage, and all taxes, ground rents, governmental
assessments, insurance premiums, leasehold payments, water, sewer and municipal
charges which previously became due and owing have been paid, or escrow funds
have been established in an amount sufficient to pay for every such escrowed
item which remains unpaid and which has been assessed but is not yet due
and
payable.
(c) The
terms
of the Mortgage Note and the Mortgage have not been impaired, waived, altered
or
modified in any respect, except by written instruments which have been recorded
in the applicable public recording office required by law or if necessary
to
maintain the lien priority of the Mortgage, and which have been delivered
to the
Purchaser; the substance of any such waiver, alteration or modification has
been
approved by the insurer under the Primary Mortgage Insurance Policy, if any,
and
by the title insurer, to the extent required by the related policy, and is
reflected on the related Mortgage Loan Schedule. No other instrument of waiver,
alteration or modification has been executed, and no Mortgagor has been
released, in whole or in part, except in connection with an assumption agreement
approved by the insurer under the Primary Mortgage Insurance Policy, if any,
and
by the title insurer, to the extent required by the policy, and which assumption
agreement is a part of the Mortgage File and is reflected on the related
Mortgage Loan Schedule.
(d) The
Mortgage Note and the Mortgage are not subject to any right of rescission,
set-off, counterclaim or defense, including, without limitation, the defense
of
usury, nor will the operation of any of the terms of the Mortgage Note and
the
Mortgage, or the exercise of any right thereunder, render either the Mortgage
Note or the Mortgage unenforceable, in whole or in part, or subject to any
right
of rescission, set-off, counterclaim or defense, including, without limitation,
the defense of usury, and no such right of rescission, set-off, counterclaim
or
defense has been asserted with respect thereto; and the Mortgagor was not
a
debtor in any state or federal bankruptcy or insolvency proceeding at the
time
the Mortgage Loan was originated.
(e) All
buildings or other customarily insured improvements upon the Mortgaged Property
are insured by an insurer generally acceptable to Xxxxxx Xxx and to prudent
mortgage lending institutions against loss by fire, hazards of extended coverage
and such other hazards as are provided for in the Xxxxxx Mae Guides as well
as
all additional requirements set forth herein, pursuant to an insurance policy
conforming to the requirements of Customary Servicing Procedures and providing
coverage in an amount equal to the lesser of (i) the full insurable value
of the Mortgaged Property or (ii) the outstanding principal balance owing
on the Mortgage Loan. All such insurance policies are in full force and effect
and contain a standard mortgagee clause naming the originator of the Mortgage
Loan, its successors and assigns as mortgagee and all premiums thereon have
been
paid. If the Mortgaged Property is in an area identified on a flood hazard
map
or flood insurance rate map issued by the Federal Emergency Management Agency
as
having special flood hazards (and such flood insurance has been made available),
a flood insurance policy meeting the requirements of the current guidelines
of
the Federal Insurance Administration is in effect which policy conforms to
the
requirements of Xxxxxx Xxx or Xxxxxxx Mac. The Mortgage obligates the Mortgagor
thereunder to maintain all such insurance at the 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 the Mortgagor’s cost and expense and to seek
reimbursement therefor from the Mortgagor.
(f) Any
and
all requirements of any federal, state or local law including, without
limitation, usury, truth in lending, real estate settlement procedures, consumer
credit protection, equal credit opportunity, fair housing or disclosure laws
applicable to the origination and servicing of the Mortgage Loans have been
complied with. None of the Mortgage Loans are (i) Covered Loans or (ii) High
Cost Loans. The Servicer maintains, and shall maintain, evidence of such
compliance as required by applicable law or regulation and shall make such
evidence available for inspection at the Servicer’s office during normal
business hours upon reasonable advance notice.
(g) The
Mortgage has not been satisfied, canceled, subordinated or rescinded, in
whole
or in part (other than as to Principal Prepayments in full which may have
been
received on or after the related Cut-off Date and prior to the related Closing
Date), 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, cancellation, subordination, rescission or
release. Neither the Seller nor the Servicer has waived the performance by
the
Mortgagor of any action, if the Mortgagor’s failure to perform such action would
cause the Mortgage Loan to be in default, and neither the Seller nor the
Servicer has waived any default.
(h) The
Mortgage is a valid, existing, perfected and enforceable first lien on the
Mortgaged Property, including all improvements on the Mortgaged Property,
free
and clear of all adverse claims, liens and encumbrances having priority over
the
lien of the Mortgage, subject only to (i) the lien of current real property
taxes and assessments not yet due and payable, (ii) 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 either (A) specifically referred to in the
lender’s title insurance policy, if any, delivered to the originator of the
Mortgage Loan or (B) which do not adversely affect the Appraised Value of
the Mortgaged Property and (iii) other matters to which like properties are
commonly subject which do not individually or in the aggregate materially
interfere with the benefits of the security intended to be provided by the
Mortgage or the use, enjoyment, value or marketability of the related Mortgaged
Property. Any security agreement, chattel mortgage or equivalent document
related to and delivered in connection with the Mortgage Loan establishes
and
creates a valid, existing and enforceable first lien and first priority security
interest on the property described therein and the Seller has the full right
to
sell and assign the same to the Purchaser.
(i) The
Mortgage Note and the related Mortgage are original and genuine and each
is the
legal, valid and binding obligation of the maker thereof, enforceable in
all
respects in accordance with its terms except as enforceability may be limited
by
(i) bankruptcy, insolvency, liquidation, receivership, moratorium,
reorganization or other similar laws affecting the enforcement of
