EXHIBIT 10.1
STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
DEPOSITOR
XXXXX FARGO BANK, NATIONAL ASSOCIATION,
TRUSTEE
AND
EMC MORTGAGE CORPORATION
SERVICER, SPONSOR AND COMPANY
POOLING AND SERVICING AGREEMENT
DATED AS OF NOVEMBER 1, 2006
STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4
Mortgage Pass-Through Certificates, Series 2006-AR4
TABLE OF CONTENTS
ARTICLE I DEFINITIONS................................................................................2
ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................42
Section 2.01. Conveyance of Mortgage Loans to Trustee..........................................42
Section 2.02. Acceptance of Mortgage Loans by Trustee..........................................44
Section 2.03. Assignment of Interest in the Mortgage Loan Purchase Agreement...................46
Section 2.04. Substitution of Mortgage Loans...................................................47
Section 2.05. Issuance of Certificates.........................................................49
Section 2.06. Representations and Warranties Concerning the Depositor..........................49
Section 2.07. Reserved.........................................................................50
Section 2.08. Purposes and Powers of the Trust.................................................51
ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS............................................52
Section 3.01. Servicer to Act as Servicer......................................................52
Section 3.02. REMIC-Related Covenants..........................................................53
Section 3.03. Monitoring of Subservicers.......................................................54
Section 3.04. Fidelity Bond....................................................................55
Section 3.05. Power to Act; Procedures.........................................................55
Section 3.06. Due-on-Sale Clauses; Assumption Agreements.......................................56
Section 3.07. Release of Mortgage Files........................................................57
Section 3.08. Documents, Records and Funds in Possession of Servicer To Be
Held for Trustee.................................................................58
Section 3.09. Standard Hazard Insurance and Flood Insurance Policies...........................58
Section 3.10. Presentment of Claims and Collection of Proceeds.................................59
Section 3.11. Maintenance of the Primary Mortgage Insurance Policies...........................59
Section 3.12. Trustee to Retain Possession of Certain Insurance Policies and
Documents........................................................................60
Section 3.13. Realization Upon Defaulted Mortgage Loans........................................60
Section 3.14. Compensation for the Servicer....................................................61
Section 3.15. REO Property.....................................................................61
Section 3.16. Annual Statement as to Compliance; Annual Certification..........................62
Section 3.17. Assessments of Compliance and Attestation Reports................................63
Section 3.18. Reports Filed with Securities and Exchange Commission............................66
Section 3.19. UCC..............................................................................72
Section 3.20. Optional Purchase of Defaulted Mortgage Loans....................................73
Section 3.21. Books and Records................................................................73
Section 3.22. Intention of the Parties and Interpretation......................................74
ARTICLE IV ACCOUNTS..................................................................................75
Section 4.01. Custodial Account................................................................75
Section 4.02. Permitted Withdrawals and Transfers from the Custodial Account...................76
Section 4.03. Distribution Account.............................................................77
Section 4.04. Permitted Withdrawals and Transfers from the Distribution Account................78
Section 4.05. Reserved.........................................................................79
Section 4.06. Statements to the Trustee........................................................79
Section 4.07. The Certificate Insurance Policy.................................................80
Section 4.08. Reserve Fund.....................................................................82
Section 4.09. Class XP Reserve Account.........................................................83
Section 4.10. Reserved.........................................................................84
ARTICLE V CERTIFICATES..............................................................................85
Section 5.01. Certificates.....................................................................85
Section 5.02. Registration of Transfer and Exchange of Certificates............................90
Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates................................94
Section 5.04. Persons Deemed Owners............................................................94
Section 5.05. Transfer Restrictions on Residual Certificates...................................94
Section 5.06. Restrictions on Transferability of Certificates..................................95
Section 5.07. ERISA Restrictions...............................................................96
Section 5.08. Rule 144A Information............................................................97
ARTICLE VI PAYMENTS TO CERTIFICATEHOLDERS............................................................98
Section 6.01. Distributions on the Certificates................................................98
Section 6.02. Allocation of Losses and Subsequent Recoveries..................................102
Section 6.03. Payments........................................................................102
Section 6.04. Statements to Certificateholders................................................103
Section 6.05. Monthly Advances................................................................106
Section 6.06. Compensating Interest Payments..................................................106
Section 6.07. Distributions on REMIC Regular Interests........................................106
ARTICLE VII THE SERVICER.............................................................................108
Section 7.01. Liabilities of the Servicer.....................................................108
Section 7.02. Merger or Consolidation of the Servicer.........................................108
Section 7.03. Indemnification of the Trustee..................................................108
Section 7.04. Limitations on Liability of the Servicer and Others.............................109
Section 7.05. Servicer Not to Resign..........................................................110
Section 7.06. Successor Servicer..............................................................110
Section 7.07. Sale and Assignment of Servicing................................................110
ARTICLE VIII DEFAULT..................................................................................111
Section 8.01. Events of Default...............................................................111
Section 8.02. Trustee to Act; Appointment of Successor........................................112
Section 8.03. Notification to Certificateholders..............................................114
Section 8.04. Waiver of Defaults..............................................................114
Section 8.05. List of Certificateholders......................................................114
ARTICLE IX CONCERNING THE TRUSTEE...................................................................115
Section 9.01. Duties of Trustee...............................................................115
Section 9.02. Certain Matters Affecting the Trustee...........................................117
Section 9.03. Trustee Not Liable for Certificates or Mortgage Loans...........................118
Section 9.04. Trustee May Own Certificates....................................................119
Section 9.05. Trustee's Fees and Expenses.....................................................119
Section 9.06. Eligibility Requirements for Trustee............................................119
Section 9.07. Insurance.......................................................................119
Section 9.08. Resignation and Removal of the Trustee..........................................110
Section 9.09. Successor Trustee...............................................................120
Section 9.10. Merger or Consolidation of Trustee..............................................121
Section 9.11. Appointment of Co-Trustee or Separate Trustee...................................121
Section 9.12. Federal Information Returns and Reports to Certificateholders;
REMIC Administration............................................................122
ARTICLE X TERMINATION..............................................................................125
Xxxxxxx 00.00. Xxxxxxxxxxx Xxxx Xxxxxxxxxx by the Depositor or its Designee or
Liquidation of the Mortgage Loans...............................................125
Section 10.02. Additional Termination Requirements.............................................127
ARTICLE XI MISCELLANEOUS PROVISIONS.................................................................129
Section 11.01. Intent of Parties...............................................................129
Section 11.02. Amendment.......................................................................129
Section 11.03. Recordation of Agreement........................................................130
Section 11.04. Limitation on Rights of Certificateholders......................................130
Section 11.05. Acts of Certificateholders......................................................132
Section 11.06. Governing Law...................................................................133
Section 11.07. Notices.........................................................................133
Section 11.08. Severability of Provisions......................................................133
Section 11.09. Successors and Assigns..........................................................134
Section 11.10. Article and Section Headings....................................................134
Section 11.11. Counterparts....................................................................134
Section 11.12. Notice to Rating Agencies.......................................................134
Section 11.13. Use of Subservicers and Subcontractors..........................................134
EXHIBITS
Exhibit A-1 - Form of Class A Certificates
Exhibit A-2 - [Reserved]
Exhibit A-3 - Form of Class B Certificates
Exhibit A-4 - Form of Class B-IO Certificates
Exhibit A-5 - Form of Class R Certificates
Exhibit A-6 - Form of Class R-X Certificate
Exhibit A-7 - [Reserved]
Exhibit A-8 - Form of Class XP Certificate
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 (Non-Rule 144A)
Exhibit F-2 - Form of Rule 144A Investment Representation
Exhibit F-3 - Form of Transferor Representation Letter
Exhibit G - Form of Custodial Agreement
Exhibit H - Form of Mortgage Loan Purchase Agreement
Exhibit I - Form of Trustee Limited Power of Attorney
Exhibit J - [Reserved]
Exhibit K - Loan Level Format for Tape Input, Servicer Period Reporting
Exhibit L - Reporting Data for Defaulted Loans
Exhibit M - [Reserved]
Exhibit N - Form of Cap Contracts
Exhibit O - Certificate Insurance Guarantee Policy Endorsement
Exhibit P - Servicing Criteria to be Addressed in Assessment of Compliance
Exhibit Q-1 - Form of Servicer Back-Up Certification
Exhibit Q-2 - Form of Trustee Back-Up Certification
Exhibit R - Form 10-D, Form 8-K and Form 10-K Reporting Responsibility
Exhibit S - Additional Disclosure Information
Exhibit T - Form of Servicer Certification
POOLING AND SERVICING AGREEMENT
Pooling and Servicing Agreement dated as of November 1, 2006, among Structured Asset Mortgage
Investments II Inc., a Delaware corporation, as depositor (the "Depositor"), Xxxxx Fargo Bank, National
Association, a banking association organized under the laws of the United States, not in its individual
capacity but solely as trustee (the "Trustee") and EMC Mortgage Corporation, as servicer (in such
capacity, the "Servicer"), as company (in such capacity, the "Company" or "EMC") and, as sponsor (in
such capacity, the "Sponsor").
PRELIMINARY STATEMENT
On or prior to the Closing Date, the Depositor acquired the Mortgage Loans from the Sponsor.
On the Closing Date, the Depositor will sell the Mortgage Loans and certain other property to the Trust
Fund and receive in consideration therefor Certificates evidencing the entire beneficial ownership
interest in the Trust Fund.
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 "regular 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 "regular 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 REMIC III Regular
Interest will be designated the single "regular interest" in such REMIC.
The Class R Certificates will evidence ownership of the "residual interest" in each of REMIC I
and REMIC II. The Class R-X Certificates will evidence ownership of the "residual interest" in REMIC
III.
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 $510,658,032.44.
In consideration of the mutual agreements herein contained, the Depositor, the Servicer, the
Sponsor, the Company 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.
2006-AR4 REMIC: Any of REMIC I, REMIC II and REMIC III.
Accepted Servicing Practices: The procedures, including prudent collection and loan
administration procedures, and the standard of care (i) employed by prudent mortgage servicers which
service mortgage loans of the same type as the Mortgage Loans in the jurisdictions in which the related
Mortgage Properties are located or (ii) in accordance with the Xxxxxx Mae Guide or Xxxxxxx Mac Guide,
subject to any variances negotiated with Xxxxxx Mae or Xxxxxxx Mac and subject to the express provisions
of this Agreement. Such standard of care shall not be lower than that the Servicer customarily employs
and
exercises
in servicing and administering similar mortgage loans for its own account and shall be in full
compliance with all federal, state, and local laws, ordinances, rules and regulations.
Account: The Custodial Account, the Distribution Account, the Reserve Fund or the Class XP
Reserve Account as the context may require.
Actual Monthly Payments: For any Mortgage Loan and each Due Period, the actual monthly payments
of principal and interest received during such month on such Mortgage Loan.
Additional Disclosure: As defined in Section 3.18(a)(v).
Additional Form 10-D Disclosure: As defined in Section 3.18(a)(i).
Additional Form 10-K Disclosure: As defined in Section 3.18(a)(iv).
Adjusted Rate Cap: With respect to the Certificates (other than the Class A-2 Certificates),
each Distribution Date and the related Due Period, the sum of (i) the Scheduled Payments owed on the
Mortgage Loans for such Due Period less the Servicing Fees and (ii) the Actual Monthly Payments received
in excess of the Scheduled Payments, expressed as a per annum rate calculated on the basis of the
aggregate Stated Principal Balance of the Mortgage Loans for such Due Period and further reflecting the
accrual of interest on an actual/360 basis.
With respect to the Class A-2 Certificates, each Distribution Date and the related Due
Period, the excess of (1) the sum of (i) the scheduled Monthly Payments owed on the Mortgage Loans for
such Due Period less the Servicing Fees and (ii) the Actual Monthly Payments received in excess of the
Scheduled Monthly Payments, expressed as a per annum rate calculated on the basis of the aggregate
Stated Principal Balance of the Mortgage Loans for such Due Period over (2) the insurance premium on the
Class A-2 Certificates expressed as a per annum rate adjusted to an actual/360 basis.
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 Premium Amount: As to any Distribution Date and the Insured Certificates, the
product of one-twelfth of the Premium Rate and the aggregate of the Current Principal Amounts of the
Insured Certificates on the immediately preceding Distribution Date, or, in the case of the first
Distribution Date, the Closing Date, in each case after giving effect to distributions of principal made
on such Distribution Date.
Agreement: This Pooling and Servicing Agreement and all amendments hereof and supplements
hereto.
Annual Certification: As defined in Section 3.16(b) herein.
Annual Statement of Compliance: As defined in Section 3.16(a).
Applicable Credit Rating: For any long-term deposit or security, a credit rating of "AAA" in
the case of S&P or "Aaa" in the case of Moody's (or with respect to investments in money market funds, a
credit rating of "AAAm" or "AAAm-G" in the case of S&P and the highest rating given by Moody's for money
market funds in the case of Moody's). For any short-term deposit or security, or a rating of "A-l+" in
the case of S&P or "Prime-1" in the case of Moody's.
Applicable State Law: For purposes of Section 9.12(e), 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 Trustee by either (i) an Opinion of Counsel reasonably acceptable to the
Trustee delivered to it by the Servicer or the Depositor, or (ii) written notice from the appropriate
taxing authority as to the applicability of such state law.
Applied Realized Loss Amount: With respect to any Distribution Date and a Class of Class A
Certificates or Class B Certificates, the sum of the Realized Losses with respect to the Mortgage Loans,
which are to be applied in reduction of the Current Principal Amount of such Class of Certificates
pursuant to this Agreement in an amount equal to the amount, if any, by which, (i) the aggregate Current
Principal Amount of all of the Certificates (after all distributions of principal on such Distribution
Date) exceeds (ii) the aggregate Stated Principal Balance of all of the Mortgage Loans for such
Distribution Date. The Applied Realized Loss Amount with respect to the Mortgage Loans shall be
allocated first to the Class B-5, Class B-4, Class B-3, Class B-2 and Class B-1 Certificates,
sequentially in that order, in each case until the Current Principal Amount of such Class has been
reduced to zero. Thereafter, the principal portion of Realized Losses on the Mortgage Loans will be
allocated on any Distribution Date to the Class A-2 and Class A-1 Certificates, sequentially in that
order, until the Current Principal Amount of each such Class has been reduced to zero.
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.
Assessment of Compliance: As defined in Section 3.17.
Attestation Report: As defined in Section 3.17.
Attesting Party: As defined in Section 3.17.
Available Funds: With respect to each Distribution Date, the aggregate Principal Funds and
Interest Funds for such Distribution Date.
Back-Up Certification: As defined in Section 3.18(a)(iv).
Bankruptcy Code: The United States Bankruptcy Code, as amended as codified in 11 U.S.C.
§§ 101-1330.
Bankruptcy Loss: Any loss resulting from a bankruptcy court, in connection with a personal
bankruptcy of a mortgagor, (1) establishing the value of a mortgaged property at an amount less than the
Outstanding Principal Balance of the Mortgage Loan secured by such mortgaged property or (2) reducing
the amount of the Monthly Payment on the related Mortgage Loan.
Basis Risk Shortfall: On the Distribution Date, if any, of:
1. the amount of Current Interest that such Class would have been entitled to receive on
such Distribution Date had the applicable Pass-Through Rate been calculated at a per
annum rate equal to One-Month LIBOR plus the related Margin and (ii) 10.50% per annum,
over
2. the amount of Current Interest on such Class calculated using a Pass-Through Rate
equal to the Net Rate Cap for such Distribution Date.
Basis Risk Shortfall Carry Forward Amount: With respect to any Distribution Date and each Class
of Class A Certificates and Class B Certificates, the sum of the Basis Risk Shortfall for such
Distribution Date and the Basis Risk Shortfalls for all previous Distribution Dates not previously paid
from any source including the Excess Cashflow and payments under the Cap Contracts, together with
interest thereon at a rate equal to the related Pass-Through Rate for such Class of Certificates for
such Distribution Date.
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 any jurisdiction in
which the Trustee, the Custodian, the Certificate Insurer or the Servicer are authorized or obligated by
law or executive order to be closed.
Cap Contracts: With respect to each Class of Class A Certificates and Class B Certificates, the
respective cap contracts, dated as of November 30, 2006, between the Trustee, on behalf of the Trust for
the benefit of the Holders of the related Certificates, and the Cap Counterparty, together with any
scheduling, confirmations or other agreements related thereto, attached hereto as Exhibit N.
Cap Contract Payment Amount: With respect to any Distribution Date and a Cap Contract, the
amounts received from such Cap Contract, if any, on such Distribution Date.
Cap Counterparty: Bear Xxxxxxx Financial Products Inc.
Certificate: Any mortgage pass-through certificate evidencing a beneficial ownership interest
in the Trust Fund signed and countersigned by the Trustee in substantially the forms annexed hereto as
Exhibits X-0, X-0, X-0, X-0, X-0 and A-8 with the blanks therein appropriately completed.
Certificate Insurance Policy: The certificate insurance policy, dated as of November 30, 2006,
endorsed by the Certificate Insurer to the Trustee on behalf of the Holders of the Class A-2
Certificates, the endorsement of which is attached hereto as Exhibit O.
Certificate Insurer: Ambac Assurance Corporation.
Certificate Insurer Default: The existence and continuance of any of the following: (a) a
failure by the Certificate Insurer to make a payment required under the Certificate Insurance Policy in
accordance with its terms; (b) the entry of a decree or order of a court or agency having jurisdiction
in respect of the Certificate Insurer in an involuntary case under any present or future federal or
state bankruptcy, insolvency or similar law appointing a conservator or receiver or liquidator or other
similar official of the Certificate Insurer or of any substantial part of its property, or the entering
of an order for the winding up or liquidation of the affairs of the Certificate Insurer and the
continuance of any such decree or order undischarged or unstayed and in force for a period of 90
consecutive days; (c) the Certificate Insurer shall consent to the appointment of a conservator or
receiver or liquidator or other similar official in any insolvency, readjustment of debt, marshaling of
assets and liabilities or similar proceedings of or relating to the Certificate Insurer or of or
relating to all or substantially all of its property; or (d) the Certificate Insurer shall admit in
writing its inability to pay its debts generally as they become due, file a petition to take advantage
of or otherwise voluntarily commence a case or proceeding under any applicable bankruptcy, insolvency,
reorganization or other similar statute, make an assignment for the benefit of its creditors, or
voluntarily suspend payment of its obligations.
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.
Certificateholder: A Holder of a Certificate.
Certification Parties: As defined in Section 3.18(a)(iv).
Certifying Person: As defined in Section 3.18(a)(iv).
Class: With respect to the Certificates, any of Class A-1, Class A-2, Class A-3, Class B-1,
Class B-2, Class B-3, Class B-4, Class B-5, Class R, Class R-X, Class XP and Class B-IO Certificates.
Class A Certificates: The Class A-1 Certificates and Class A-2 Certificates.
Class A Principal Distribution Amount: For any Distribution Date on or after the Stepdown Date
on which a Trigger Event is not in effect, an amount equal to the excess (if any) of (x) the aggregate
Current Principal Amount of the Class A Certificates immediately prior to such Distribution Date over
(y) the lesser of (I) the excess of (a) the aggregate Stated Principal Balance of the Mortgage Loans as
of the last day of the related Due Period (after reduction for Principal Prepayments and Realized Losses
on the Mortgage Loans incurred during the related Prepayment Period) over (b) the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after reduction
for Principal Prepayments and Realized Losses on the Mortgage Loans incurred during the related
Prepayment Period) multiplied by (i) prior to the Distribution Date in November 2012, 25.250% and (ii)
on or after the Distribution Date in November 2012, 20.200%, and (II) the excess of (a) the aggregate
Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after
reduction for Principal Prepayments and Realized Losses on the Mortgage Loans incurred during the
related Prepayment Period) over (b) 0.50% of the Stated Principal Balance of the Mortgage Loans as of
the Cut-off Date.
Class B Certificates: The Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates.
Class B-1 Principal Distribution Amount: For any Distribution Date on or after the Stepdown
Date on which a Trigger Event is not in effect, an amount equal to the excess (if any) of (x) the
Current Principal Amount of the Class B-1 Certificates immediately prior to such Distribution Date over
(y) the lesser of (I) the excess of (a) the aggregate Stated Principal Balance of the Mortgage Loans as
of the last day of the related Due Period (after reduction for Principal Prepayments and Realized Losses
on the Mortgage Loans incurred during the related Prepayment Period) over (b) the sum of (1) the
aggregate Current Principal Amount of the Class A Certificates (after taking into account the payment of
the Class A Principal Distribution Amount for such Distribution Date) and (2) the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after reduction
for Principal Prepayments and Realized Losses on the Mortgage Loans incurred during the related
Prepayment Period) multiplied by (i) prior to the Distribution Date in November 2012, 16.250% and (ii)
on or after the Distribution Date in November 2012, 13.000%, and (II) the excess of (a) the aggregate
Stated Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after
reduction for Principal Prepayments and Realized Losses on the Mortgage Loans incurred during the
related Prepayment Period) over (b) 0.50% of the Stated Principal Balance of the Mortgage Loans as of
the Cut-off Date.
Class B-2 Principal Distribution Amount: For any Distribution Date on or after the Stepdown
Date on which a Trigger Event is not in effect, an amount equal to the excess (if any) of (x) the
Current Principal Amount of the Class B-2 Certificates immediately prior to such Distribution Date over
(y) the lesser of (I) the excess of (a) the aggregate Stated Principal Balance of the Mortgage Loans as
of the last day of the related Due Period (after reduction for Principal Prepayments and Realized Losses
on the Mortgage Loans incurred during the related Prepayment Period) over (b) the sum of (1) the
aggregate Current Principal Amount of the Class A Certificates (after taking into account the payment of
the Class A Principal Distribution Amount for such Distribution Date), (2) the aggregate Current
Principal Amount of the Class B-1 Certificates (after taking into account the payment of the Class B-1
Principal Distribution Amounts for such Distribution Date) and (3) the aggregate Stated Principal
Balance of the Mortgage Loans as of the last day of the related Due Period (after reduction for
Principal Prepayments and Realized Losses on the Mortgage Loans incurred during the related Prepayment
Period) multiplied by (i) prior to the Distribution Date in November 2012, 11.375% and (ii) on or after
the Distribution Date in November 2012, 9.100%, and (II) the excess of (a) the aggregate Stated
Principal Balance of the Mortgage Loans as of the last day of the related Due Period (after reduction
for Principal Prepayments and Realized Losses on the Mortgage Loans incurred during the related
Prepayment Period) over (b) 0.50% of the Stated Principal Balance of the Mortgage Loans as of the
Cut-off Date.
Class B-3 Principal Distribution Amount: For any Distribution Date on or after the Stepdown
Date on which a Trigger Event is not in effect, an amount equal to the excess (if any) of (x) the
Current Principal Amount of the Class B-3 Certificates immediately prior to such Distribution Date over
(y) the lesser of (I) the excess of (a) the aggregate Stated Principal Balance of the Mortgage Loans
as of the last day of the related Due Period (after reduction for Principal Prepayments and Realized
Losses on the Mortgage Loans incurred during the related Prepayment Period) over (b) the sum of (1) the
aggregate Current Principal Amount of the Class A Certificates (after taking into account the payment of
the Class A Principal Distribution Amount for such Distribution Date), (2) the aggregate Current
Principal Amount of the Class B-1 Certificates (after taking into account the payment of the Class B-1
Principal Distribution Amounts for such Distribution Date), (3) the aggregate Current Principal Amount
of the Class B-2 Certificates (after taking into account the payment of the Class B-2 Principal
Distribution Amounts for such Distribution Date) and (4) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after reduction for Principal Prepayments
and Realized Losses on the Mortgage Loans incurred during the related Prepayment Period) multiplied by
(i) prior to the Distribution Date in November 2012, 8.250% and (ii) on or after the Distribution Date
in November 2012, 6.600%, and (II) the excess of (a) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after reduction for Principal Prepayments
and Realized Losses on the Mortgage Loans incurred during the related Prepayment Period) over (b) 0.50%
of the Stated Principal Balance of the Mortgage Loans as of the Cut-off Date.
Class B-4 Principal Distribution Amount: For any Distribution Date on or after the Stepdown
Date on which a Trigger Event is not in effect, an amount equal to the excess (if any) of (x) the
Current Principal Amount of the Class B-4 Certificates immediately prior to such Distribution Date over
(y) the lesser of (I) the excess of (a) the aggregate Stated Principal Balance of the Mortgage Loans
as of the last day of the related Due Period (after reduction for Principal Prepayments and Realized
Losses on the Mortgage Loans incurred during the related Prepayment Period) over (b) the sum of (1) the
aggregate Current Principal Amount of the Class A Certificates (after taking into account the payment of
the Class A Principal Distribution Amount for such Distribution Date), (2) the aggregate Current
Principal Amount of the Class B-1 Certificates (after taking into account the payment of the Class B-1
Principal Distribution Amounts for such Distribution Date), (3) the aggregate Current Principal Amount
of the Class B-2 Certificates (after taking into account the payment of the Class B-2 Principal
Distribution Amounts for such Distribution Date), (4) the aggregate Current Principal Amount of the
Class B-3 Certificates (after taking into account the payment of the Class B-3 Principal Distribution
Amounts for such Distribution Date) and (5) the aggregate Stated Principal Balance of the Mortgage Loans
as of the last day of the related Due Period (after reduction for Principal Prepayments and Realized
Losses on the Mortgage Loans incurred during the related Prepayment Period) multiplied by (i) prior to
the Distribution Date in November 2012, 6.875% and (ii) on or after the Distribution Date in November
2012, 5.500%, and (II) the excess of (a) the aggregate Stated Principal Balance of the Mortgage Loans
as of the last day of the related Due Period (after reduction for Principal Prepayments and Realized
Losses on the Mortgage Loans incurred during the related Prepayment Period) over (b) 0.50% of the Stated
Principal Balance of the Mortgage Loans as of the Cut-off Date.
Class B-5 Principal Distribution Amount: For any Distribution Date on or after the Stepdown
Date on which a Trigger Event is not in effect, an amount equal to the excess (if any) of (x) the
Current Principal Amount of the Class B-5 Certificates immediately prior to such Distribution Date over
(y) the lesser of (I) the excess of (a) the aggregate Stated Principal Balance of the Mortgage Loans as
of the last day of the related Due Period (after reduction for Principal Prepayments and Realized Losses
on the Mortgage Loans incurred during the related Prepayment Period) over (b) the sum of (1) the
aggregate Current Principal Amount of the Class A Certificates (after taking into account the payment of
the Class A Principal Distribution Amount for such Distribution Date), (2) the aggregate Current
Principal Amount of the Class B-1 Certificates (after taking into account the payment of the Class B-1
Principal Distribution Amounts for such Distribution Date), (3) the aggregate Current Principal Amount
of the Class B-2 Certificates (after taking into account the payment of the Class B-2 Principal
Distribution Amounts for such Distribution Date), (4) the aggregate Current Principal Amount of the
Class B-3 Certificates (after taking into account the payment of the Class B-3 Principal Distribution
Amounts for such Distribution Date), (5) the aggregate Current Principal Amount of the Class B-4
Certificates (after taking into account the payment of the Class B-4 Principal Distribution Amounts for
such Distribution Date) and (6) the aggregate Stated Principal Balance of the Mortgage Loans as of the
last day of the related Due Period (after reduction for Principal Prepayments and Realized Losses on the
Mortgage Loans incurred during the related Prepayment Period) multiplied by (i) prior to the
Distribution Date in November 2012, 1.875% and (ii) on or after the Distribution Date in November 2012,
1.500%, and (II) the excess of (a) the aggregate Stated Principal Balance of the Mortgage Loans as of
the last day of the related Due Period (after reduction for Principal Prepayments and Realized Losses on
the Mortgage Loans incurred during the related Prepayment Period) over (b) 0.50% of the Stated Principal
Balance of the Mortgage Loans as of the Cut-off Date.
Class B-IO Advances: As defined in Section 6.01(d).
Class B-IO Distribution Amount: With respect to any Distribution Date, the Current Interest for
the Class B-IO Certificates for such Distribution Date (from REMIC II to REMIC III on account of REMIC
II Regular Interest B-IO-I); provided, however, that on and after the Distribution Date on which the
aggregate Current Principal Amount of the Class A or Class B Certificates has been reduced to zero, the
Class B-IO Distribution Amount shall include the Overcollateralization Amount (which shall be deemed
distributable, first, from REMIC II to REMIC III on account of REMIC II Regular Interest B-IO-I, in
respect of accrued and unpaid interest thereon until such accrued and unpaid interest shall have been
reduced to zero and, thereafter, from REMIC II to REMIC III on account of REMIC II Regular Interest
B-IO-P, in respect of the principal balance thereof).
Class B-IO Pass-Through Rate: With respect to the Class B-IO Certificates or REMIC II Regular
Interest B-IO-I, and any Distribution Date, a per annum rate equal to the sum of (a) the Maximum Coupon
Strip Rate and (b) the percentage equivalent of a fraction, the numerator of which is the sum of the
amounts calculated pursuant to clauses (i) through (iii) below, and the denominator of which is the
aggregate Uncertificated Principal Balance of the REMIC I Regular Interests. For purposes of
calculating the Pass-Through Rate for the Class B-IO Certificates, the numerator is equal to the sum of
the following components:
(i) the Uncertificated Pass-Through Rate for REMIC I Regular Interest LT1 minus the
related Marker Rate, applied to a notional amount equal to the Uncertificated
Principal Balance of REMIC I Regular Interest LT1;
(ii) the Uncertificated Pass-Through Rate for REMIC I Regular Interest LT2 minus the
related Marker Rate, applied to a notional amount equal to the Uncertificated
Principal Balance of REMIC I Regular Interest LT2; and
(iii) the Uncertificated Pass-Through Rate for REMIC I Regular Interest LT4 minus twice the
related Marker Rate, applied to a notional amount equal to the Uncertificated
Principal Balance of REMIC I Regular Interest LT4.
Class R Certificates: The Class R Certificates substantially in the form annexed hereto as
Exhibit A-5 and evidencing ownership of interests designated as "residual interests" in REMIC I and
REMIC II for purposes of the REMIC Provisions. Component I of the Class R Certificates is designated as
the sole class of "residual interest" in REMIC I and Component II of the Class R Certificates is
designated as the sole class of "residual interest" in REMIC II.
Class R-X Certificates: The Class R-X Certificates substantially in the form annexed hereto
as Exhibit A-6 and evidencing ownership of the "residual interest" in REMIC III for purposes of the
REMIC Provisions.
Class XP Reserve Account: The account established and maintained by the Trustee pursuant to
Section 4.09 hereof.
Closing Date: November 30, 2006.
Code: The Internal Revenue Code of 1986, as amended.
Commission or SEC: The U.S. Securities and Exchange Commission.
Compensating Interest Payment: As defined in Section 6.06.
Corporate Trust Office: The designated office of the Trustee, where at any particular time its
corporate trust business with respect to this Agreement shall be administered. For the purpose of
registration and transfer and exchange only, the Corporate Trust Office of the Trustee shall be located
at Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx, Xxxxxxxxxxx, Xxxxxxxxx 00000, Attention: Corporate Trust Group,
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4. The Corporate Trust Office of the Trustee at the date of
the execution of this Agreement for all other purposes is located at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx,
Xxxxxxxx 00000, Attention: Corporate Trust Group, Bear Xxxxxxx Mortgage Funding Trust 2006-AR4.
Credit Enhancement Percentage: For any Distribution Date is the percentage obtained by dividing
(x) the aggregate Current Principal Amount of the Class B Certificates (including the
Overcollateralization Amount) thereto by (y) the aggregate Principal Balance of the Mortgage Loans,
calculated after taking into account distributions of principal on the Mortgage Loans and distribution
of the Principal Distribution Amounts to the holders of the Certificates then entitled to distributions
of principal on such Distribution Date.
Cumulative Loss Test Violation: If on any Distribution Date, the aggregate amount of Realized
Losses on the Mortgage Loans incurred since the Cut-off Date through the last day of the related Due
Period divided by the aggregate Principal Balance of the Mortgage Loans as of the Cut-off Date exceeds
the applicable percentages set forth below with respect to such Distribution Date:
Distribution Date Occurring in Percentage
December 2008 through November 2009 0.20%
December 2009 through November 2010 0.40%
December 2010 through November 2011 0.75%
December 2011 through November 2012 1.05%
December 2012 and thereafter 1.45%
Current Interest: As of any Distribution Date, with respect to each Class of Offered
Certificates and the Class B-5 Certificates, (i) the interest accrued on the Current Principal Amount
(or in the case of the Class B-IO Certificates, the Notional Amount) during the related Interest Accrual
Period at the applicable Pass-Through Rate plus any amount previously distributed with respect to
interest for such Certificate that has been recovered as a voidable preference by a trustee in
bankruptcy minus, in the case of the Class A Certificates or Class B Certificates, (ii) the sum of (a)
any Prepayment Interest Shortfall for such Distribution Date, to the extent not covered by Compensating
Interest Payments and (b) any shortfalls resulting from the application of the Relief Act during the
related Due Period; provided, however, that for purposes of calculating Current Interest for any such
Class, amounts specified in clauses (ii)(a) and (ii)(b) hereof for any such Distribution Date shall be
allocated first to the Class B-IO Certificates and the Residual Certificates in reduction of amounts
otherwise distributable to such Certificates on such Distribution Date and then any excess shall be
allocated to each other Class of Certificates, pro rata, based on the respective amounts of interest
accrued pursuant to clause (i) hereof for each such Class on such Distribution Date, (c) any Net
Deferred Interest allocated to such Class, and (d) the interest portion of any Realized Losses on the
Mortgage Loans allocated to such Class in the manner as described herein.
Current Principal Amount: With respect to any Class A Certificate or Class B Certificate as of
any Distribution Date, the initial principal amount of such Certificate plus the amount of any Net
Deferred Interest allocated thereto on the related Distribution Date and all previous Distribution Dates
plus any Subsequent Recoveries added to the Current Principal Amount of such Certificates pursuant to
Section 6.02(h) hereof, and reduced by (i) all amounts distributed on previous Distribution Dates on
such Certificate with respect to principal and (ii) any Applied Realized Loss Amounts allocated to such
Class on 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.
The initial Current Principal Amount for each Class of Certificates is set forth in Section 5.01(c)(iv).
Curtailment: Any Principal Prepayment made by a Mortgagor which is not a Principal Prepayment
in full.
Custodial Account: The trust account or accounts created and maintained by the Servicer
pursuant to Section 4.01, which shall be denominated "Xxxxx Fargo Bank, National Association, as Trustee
f/b/o holders of Structured Asset Mortgage Investments II Inc., Bear Xxxxxxx Mortgage Funding Trust
2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4, Custodial Account." The Custodial
Account shall be an Eligible Account.
Custodial Agreement: An agreement, dated as of the Closing Date among the Depositor, the
Servicer, the Trustee and the Custodian in substantially the form of Exhibit G hereto.
Custodian: Xxxxx Fargo Bank, National Association, or any successor custodian appointed
pursuant to the provisions hereof and of the Custodial Agreement.
Cut-off Date: November 1, 2006.
Cut-off Date Balance: $510,658,032.44.
Deferred Interest: The amount of accrued interest on the Mortgage Loans, the payment of which
is deferred and added to the Outstanding Principal Balance of a Mortgage Loan due to negative
amortization on such Mortgage Loan.
Deficiency Amount: As defined in the Certificate Insurance Policy.
Deficient Valuation: A Bankruptcy Loss that results if a court, in connection with a personal
bankruptcy of a Mortgagor, establishes the value of a Mortgaged Property at an amount less than the
unpaid principal balance of the Mortgage Loan secured by such Mortgaged Property.
Delinquency Recognition Policies: The generally accepted industry standard that defines the
proper means of reporting delinquency status when a loan is determined to be delinquent if the payment
is not received by the end of the day immediately preceding the loan's next due date.
Delinquency Test Violation: If on any Distribution Date, the percentage obtained by dividing
(x) the aggregate outstanding principal balance of the mortgage loans that are 60 days or more Delinquent
or are in bankruptcy or foreclosure or are REO Properties by (y) the aggregate Outstanding Principal
Balance of the Mortgage Loans, in each case, as of the last day of the previous calendar month, exceeds
(i) prior to the Distribution Date in November 2012, 27.72% of the Credit Enhancement Percentage and
(ii) on or after the Distribution Date in November 2012, 34.65%.
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 immediately succeeding 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 January 31 would then be considered to be 30 to 59 days delinquent. Similarly for "60 days
delinquent," "90 days delinquent" and so on.
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 Section 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: 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 Distribution Date.
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 based upon an
Opinion of Counsel that the holding of an ownership interest in a Residual Certificate by such Person
may cause any 2006-AR4 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 by the Trustee
pursuant to Section 4.03, which shall be denominated "Xxxxx Fargo Bank, National Association, as Trustee
f/b/o holders of Structured Asset Mortgage Investments II Inc., Bear Xxxxxxx Mortgage Funding Trust
2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4 - Distribution Account." The Distribution
Account shall be an Eligible Account.
Distribution Account Deposit Date: The second Business Day prior to each Distribution Date.
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.
Distribution Report: The Asset-Backed Issuer Distribution Report pursuant to Section 13 or
15(d) of the Exchange Act.
DTC Custodian: Xxxxx Fargo Bank, National Association, 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.
Due Period: With respect to any Distribution Date and each Mortgage Loan, the period
commencing on the second day of the month preceding the calendar 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.
Eligible Account: Any of (i) a segregated account maintained with a federal or state chartered
depository institution (A) the short-term obligations of which are rated A-1 or better by Standard &
Poor's and P-1 by 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, and any successor thereto.
ERISA: The Employee Retirement Income Security Act of 1974, as amended.
Event of Default: As defined in Section 8.01.
Excess Cashflow: With respect to any Distribution Date, the sum of (i) the Remaining Excess
Spread for such Distribution Date and (ii) the Overcollateralization Release Amount for such
Distribution Date.
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.
Excess Overcollateralization Amount: With respect to any Distribution Date, the excess, if
any, of the Overcollateralization Amount over the Overcollateralization Target Amount.
Excess Spread: With respect to any Distribution Date , the excess, if any, of the Interest
Funds for such Distribution Date over the sum of any amounts owed to the Certificate Insurer in
accordance with Section 6.01(a) clauses Second (A) and (B) herein, (ii) the Current Interest on the
Offered Certificates and the Class B-5 Certificates and (iii) any Interest Carry Forward Amounts on the
Class A Certificates on such Distribution Date.
Exchange Act: Securities Exchange Act of 1934, as amended.
Exchange Act Reports: Any reports required to be filed pursuant to Sections 3.17 and 3.18 of
this Agreement.
Extra Principal Distribution Amount: With respect to any Distribution Date , the lesser of (i)
the excess, if any, of the Overcollateralization Target Amount for such Distribution Date over the
Overcollateralization Amount for such Distribution Date and (ii) the Excess Spread for such Distribution
Date.
Xxxxxx Xxx: Federal National Mortgage Association and any successor thereto.
Xxxxxx Mae Guide: The Xxxxxx Xxx Selling Guide and the Xxxxxx Mae Servicing Guide and all
amendments or additions thereto.
FDIC: Federal Deposit Insurance Corporation and any successor thereto.
Final Certification: The certification substantially in the form of Exhibit Three to the
Custodial Agreement.
Final Distribution Date: The Distribution Date occurring in December 2037.
Fiscal Quarter: December 1 through the last day of February, March 1 through May 31, June 1
through August 31, or September 1 through November 30, as applicable.
Form 8-K Disclosure Information: As defined in Section 3.18(a)(iii).
Fractional Undivided Interest: With respect to any Class of Certificates (other than the Class
XP 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 Class XP Certificates, the percentage
interest stated thereon. With respect to the Certificates in the aggregate, the fractional undivided
interest evidenced by (i) the Residual Certificates will be deemed to equal 1.0% and (ii) a Certificate
of any other Class will be deemed to equal 99.0% 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 of such Class.
Xxxxxxx Mac: Xxxxxxx Mac, formerly the Federal Home Loan Mortgage Corporation, and any
successor thereto.
Xxxxxxx Mac Guide: The Xxxxxxx Mac Selling Guide and the Xxxxxxx Mac Servicing Guide and all
amendments or additions 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).
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.
Holder: The Person in whose name a Certificate is registered in the Certificate Register,
except that, subject to Sections 11.02(b) and 11.05(e), solely for the purpose of giving any consent
pursuant to this Agreement, any Certificate registered in the name of the Depositor, the 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 and the Custodian 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 Servicer and of any Affiliate of the Depositor or the
Servicer, (b) does not have any direct financial interest or any material indirect financial interest in
the Depositor or the Servicer or any Affiliate of the Depositor or the Servicer and (c) is not connected
with the Depositor or the 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.
Insolvency Proceeding: As defined in Section 4.07(g).
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, including the related
Servicer's costs and expenses incurred in connection with presenting claims under the related Insurance
Policies.
Insured Amount: As defined in the Certificate Insurance Policy.
Insured Certificates: The Class A-2 Certificates.
Interest Accrual Period: For each of the Offered Certificates and the Class B-5 Certificates
and for any Distribution Date, the period commencing on the Distribution Date in the month preceding the
month in which a Distribution Date occurs (or the Closing Date, in the case of the first Interest
Accrual Period) and ending on the day immediately prior to such Distribution Date.
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 Carry Forward Amount: As of any Distribution Date and with respect to each Class of
Certificates (other than the Class XP Certificates, Class B IO Certificates and Residual Certificates)
and as of the first Distribution Date, zero, and for each Distribution Date thereafter, the sum of (i)
the excess of (a) the Current Interest for such Class with respect to prior Distribution Dates over (b)
the amount actually distributed to such Class of Certificates with respect to interest on or after such
prior Distribution Dates, and (ii) interest on such excess (to the extent permitted by applicable law)
at the applicable Pass-Through Rate for such Class for the Interest Accrual Period, including the
Interest Accrual Period relating to such Distribution Date.
Interest Funds: With respect to any Distribution Date, (i) the sum, without duplication, of (a)
all scheduled interest collected in respect to the related Mortgage Loans during the related Due Period
less the related Servicing Fee and any related amounts to be reimbursed to EMC, the Servicer, the
Trustee and the Custodian as provided herein, (b) all Monthly Advances relating to interest with respect
to the related Mortgage Loans made on or prior to the related Distribution Account Deposit Date, (c) all
Compensating Interest Payments with respect to the related Mortgage Loans and required to be remitted by
the Servicer pursuant to this Agreement with respect to such Distribution Date, (d) Insurance Proceeds,
Liquidation Proceeds and Subsequent Recoveries with respect to the Mortgage Loans collected during the
related Prepayment Period, to the extent such proceeds relate to interest, less all Nonrecoverable
Advances relating to interest and certain expenses, in each case, with respect to the Mortgage Loans, (e)
all amounts relating to interest with respect to each Mortgage Loan purchased by the Depositor pursuant
to Sections 2.02, 2.03 or 3.21 during the related Due Period less all Non-Recoverable Advances relating
to interest, (f) all amounts in respect of interest paid by the Depositor pursuant to Section 10.01, in
each case to the extent remitted by the Servicer to the Distribution Account pursuant to this Agreement
and (g) the amount of any Principal Prepayments in full, partial Principal Prepayments, Net Liquidation
Proceeds, Repurchase Proceeds and scheduled principal payments, in that order, included in Available
Funds for such Distribution Date that are applied in connection with any Deferred Interest in accordance
with the definition of Net Deferred Interest to EMC, the Depositor, the Servicer or the Trustee, minus
(ii) all amounts relating to interest required to be reimbursed pursuant to Sections 4.01, 4.03, 4.04
and 4.05 or as otherwise set forth in this Agreement and the portion of the Aggregate Premium Amount
payable to the Certificate Insurer as provided in Section 4.04(a)(xii).
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 (other than any collections on REO Property
treated as a Curtailment pursuant to Section 3.15(b)) 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 for the calendar month 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 Stated Principal Balance
of such Mortgage Loan immediately prior to such prepayment and (ii) the amount of interest for the
calendar month 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 Stated 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 Stated Principal Balance (or, in the
case of a Principal Prepayment in part, on the amount so prepaid) at the annual interest 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.
LIBOR Business Day: Any day other than a Saturday or a Sunday or a day on which banking
institutions in the city of London, England are required or authorized by law to be closed.
LIBOR Determination Date: With respect to each Class of Offered Certificates and for the first
Interest Accrual Period, November 30, 2006. With respect to each Class of Offered Certificates and the
Class B-5 Certificates and any Interest Accrual Period thereafter, the second LIBOR Business Day
preceding the commencement of such Interest Accrual Period.
Liquidated Mortgage Loan: Any defaulted Mortgage Loan as to which the 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 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 Servicer in connection with the liquidation of such
Mortgage Loan and the related Mortgaged 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 Subsequent Recoveries.
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.
Lost Notes: The original Mortgage Notes that have been lost, as indicated on the Mortgage Loan
Schedule.
Margin: With respect to any Distribution Date on or prior to the first possible Optional
Termination Date and the Class A-1, Class A-2, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5
Certificates will be 0.210%, 0.180%, 0.370%, 0.550%, 1.400%, 2.150% and 2.150%, per annum, respectively,
provided that, after the first possible Optional Termination Date, the related margin with respect to
the Class A-1, Class A-2, Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates will be
0.420%, 0.360%, 0.555%, 0.825%, 2.100%, 3.225% and 3.225%, per annum, respectively.
Marker Rate: With respect to the Class B-IO Certificates or REMIC II Regular Interest B-IO-I
and any Distribution Date, a per annum rate equal to two (2) times the weighted average of the
Uncertificated REMIC I Pass-Through Rates for REMIC I Regular Interest LT2 and REMIC I Regular Interest
LT3.
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 Mortgage Loans 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.
Monthly Advance: An advance of interest required to be made by the Servicer or the Trustee as
successor servicer pursuant to Section 6.05.
Monthly Payments: For any Mortgage Loan and any month, the minimum 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 any Mortgaged Property
acquired through foreclosure or deed in lieu of foreclosure, would otherwise have been payable under the
related Mortgage Note.
Monthly Statement: The statement delivered to the Certificateholders pursuant to Section 6.04.
Moody's: Xxxxx'x Investors Service, Inc. or its successor in interest.
Mortgage: The mortgage, deed of trust or other instrument creating a first priority lien on an
estate in fee simple or leasehold interest in real property securing a Mortgage Loan.
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 Trust pursuant to Section 2.01
and held as a part of the Trust Fund, as identified in the Mortgage Loan Schedule (which shall include,
without limitation, with respect to each Mortgage Loan, 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 November
30, 2006, between EMC, as mortgage loan seller, and Structured Asset Mortgage Investments II Inc., as
purchaser, and all amendments thereof and supplements thereto, attached as Exhibit H.
Mortgage Loan Documents: The original Mortgage Loan legal documents held by the Custodian.
Mortgage Loan Schedule: The schedule, attached hereto as Exhibit B with respect to the
Mortgage Loans, as amended from time to time to reflect the repurchase or substitution of Mortgage Loans
pursuant to this Agreement or the Mortgage Loan Purchase Agreement, as the case may be.
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 Deferred Interest: On any Distribution Date, Deferred Interest on the related Mortgage
Loans during the related Due Period net of Principal Prepayments in full, partial Principal Prepayments,
Net Liquidation Proceeds, Repurchase Proceeds and scheduled principal payments, in that order, included
in Available Funds and such Distribution Date and available to be distributed on the Certificates on
such Distribution Date. With respect to any Class A Certificate or Class B Certificate as of any
Distribution Date, the Net Deferred Interest will be an amount equal to the product of (1) the
difference, if any between (a) the lesser of (i) the pass-through rate for such Class of Certificates
without regard to the Net Rate Cap on such Distribution Date and (ii) the Net Rate Cap on such
Distribution Date, (b) the Adjusted Rate Cap for such Distribution Date, (2) the Current Principal
Amount of such Certificate immediately prior to such Distribution Date, and (3) the actual number of
days in such Interest Accrual Period divided by 360.
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 Servicer in accordance with this Agreement
and (ii) unreimbursed advances by the Servicer and unreimbursed Monthly Advances.
Net Rate: With respect to each Mortgage Loan, the Mortgage Interest Rate in effect from time
to time less the Servicing Fee Rate, expressed as a per annum rate.
Net Rate Cap: For any Distribution Date, with respect to the Offered Certificates and the Class
B-5 Certificates (and in the case of the Class A-2 Certificates, as further adjusted for the portion of
the Aggregate Premium Amount payable to the Certificate Insurer), is equal to the weighted average of
the Net Rates of the Mortgage Loans, in each case as adjusted to an effective rate reflecting the
accrual of interest on an actual/360 basis.
NIM Issuer: The entity established as the issuer of the NIM Securities.
NIM Securities: Any debt securities issued by the NIM Issuer and secured or otherwise backed
by some or all of the Certificates.
NIM Trustee: The trustee for the NIM Securities.
Non-Offered Certificates: The Class B-5, Class XP, Class B-IO and Residual Certificates.
Nonrecoverable Advance: Any advance or Monthly Advance (i) which was previously made or is
proposed to be made by the Servicer or the Trustee (as successor Servicer) and (ii) which, in the good
faith judgment of the Servicer or the Trustee, will not or, in the case of a proposed advance or Monthly
Advance, would not, be ultimately recoverable by the Servicer or the Trustee (as successor 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 any Distribution Date and the Class B-IO Certificates or REMIC
II Regular Interest B-IO-I, the aggregate of the Uncertificated Principal Balances of the REMIC I
Regular Interests.
Offered Certificates: The Class A-1, Class A-2, Class B-1, Class B-2, Class B-3 and Class B-4
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 Servicer or the Depositor, as applicable, and delivered to the Trustee, as required by this
Agreement.
One-Month LIBOR: With respect to any Interest Accrual Period, the rate determined by the
Trustee on the related LIBOR Determination Date on the basis of the rate for U.S. dollar deposits for
one month that appears on Telerate Screen Page 3750 as of 11:00 a.m. (London time) on such LIBOR
Determination Date; provided that the parties hereto acknowledge that One-Month LIBOR for the first
Interest Accrual Period shall be the rate determined by the Trustee two Business Days prior to the
Closing Date. If such rate does not appear on such page (or such other page as may replace that page on
that service, or if such service is no longer offered, such other service for displaying One-Month LIBOR
or comparable rates as may be reasonably selected by the Trustee), One-Month LIBOR for the applicable
Interest Accrual Period will be the Reference Bank Rate. If no such quotations can be obtained by the
Trustee and no Reference Bank Rate is available, One-Month LIBOR will be One-Month LIBOR applicable to
the preceding Interest Accrual Period. The Trustee's determination of One-Month LIBOR and the
Pass-Through Rate for each Class of Certificates, if applicable, for any Interest Accrual Period shall,
in the absence of manifest error, be final and binding.
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 Company, the Servicer or the Depositor.
Optional Termination Date: The Distribution Date on which the aggregate Stated Principal
Balance of the Mortgage Loans is less than 10% of the Cut-off Date Balance of the Mortgage Loans.
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.
Overcollateralization Amount: With respect to any Distribution Date, the excess, if any, of (i)
the aggregate principal balance of the Mortgage Loans as of the last day of the related Due Period
(after giving effect to scheduled payments of principal due during the related Due Period, to the extent
received or advanced, and unscheduled collections of principal received during the related Prepayment
Period, and after reduction for Principal Prepayments and Realized Losses on the Mortgage Loans incurred
during the related Due Period) over (ii) the aggregate Current Principal Amount of the Class A
Certificates and the Class B Certificates, after taking into account the distributions of principal,
less Net Deferred Interest, to be made on such Distribution Date.
Overcollateralization Release Amount: With respect to any Distribution Date for which the
Excess Overcollateralization Amount is, or would be, after taking into account all other distributions
to be made on that Distribution Date, greater than zero, an amount equal to the lesser of (i) the Excess
Overcollateralization Amount for that Distribution Date and (ii) the Principal Funds for that
Distribution Date.
Overcollateralization Target Amount: With respect to any Distribution Date, (i) prior to the
Stepdown Date, an amount equal to 0.75% of the aggregate principal balance of the Mortgage Loans as of
the Cut-off Date, (ii) on or after the Stepdown Date provided a Trigger Event is not in effect, the
greater of (x) (1) prior to the Distribution Date in November 2012, 1.875% of the then current
aggregate Outstanding Principal Balance of the Mortgage Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due during the related Due Period, to
the extent received or advanced, and unscheduled collections of principal received during the related
Prepayment Period, and after reduction for Principal Prepayments and Realized Losses on the Mortgage
Loans incurred during the prior calendar month) and (2) on or after the Distribution Date in November
2012, 1.500% of the then current aggregate Outstanding Principal Balance of the Mortgage Loans as of the
last day of the related Due Period (after giving effect to scheduled payments of principal due during
the related Due Period, to the extent received or advanced, and unscheduled collections of principal
received during the related Prepayment Period, and after reduction for Principal Prepayments and
Realized Losses on the Mortgage Loans incurred during the prior calendar month) and (y) 0.50% of the
aggregate principal balance of the Mortgage Loans as of the Cut-Off Date ($2,553,290.16) or (iii) on or
after the Stepdown Date and if a Trigger Event is in effect, the Overcollateralization Target Amount for
the immediately preceding Distribution Date.
Pass-Through Rate: As to each Class of Certificates, the rate of interest determined as
provided with respect thereto in Section 5.01(c).
Paying Agent: The Trustee.
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: At any time, any one or more of the following obligations and securities:
(i) obligations of the United States or any agency thereof, provided such obligations are
backed by the full faith and credit of the United States;
(ii) general obligations of or obligations guaranteed by any state of the United States or the
District of Columbia receiving the highest long-term debt rating of each Rating Agency, or such lower
rating as will not result in the downgrading or withdrawal of the ratings then assigned to the
Certificates by each Rating Agency;
(iii) commercial or finance company paper which is then receiving the highest commercial or
finance company paper rating of each Rating Agency, or such lower rating as will not result in the
downgrading or withdrawal of the ratings then assigned to the Certificates by each Rating Agency;
(iv) certificates of deposit, demand or time deposits, or bankers' acceptances issued by any
depository institution or trust company incorporated under the laws of the United States or of any state
thereof and subject to supervision and examination by federal and/or state banking authorities
(including the Trustee in its commercial banking capacity), provided that the commercial paper and/or
long term unsecured debt obligations of such depository institution or trust company are then rated one
of the two highest long-term and the highest short-term ratings of each such Rating Agency for such
securities, or such lower ratings as will not result in the downgrading or withdrawal of the rating then
assigned to the Certificates by any Rating Agency;
(v) demand or time deposits or certificates of deposit issued by any bank or trust company or
savings institution to the extent that such deposits are fully insured by the FDIC;
(vi) guaranteed reinvestment agreements issued by any bank, insurance company or other
corporation containing, at the time of the issuance of such agreements, such terms and conditions as
will not result in the downgrading or withdrawal of the rating then assigned to the Certificates by any
such Rating Agency;
(vii) repurchase obligations with respect to any security described in clauses (i) and (ii)
above, in either case entered into with a depository institution or trust company (acting as principal)
described in clause (iv) above;
(viii) securities (other than stripped bonds, stripped coupons or instruments sold at a
purchase price in excess of 115% of the face amount thereof) bearing interest or sold at a discount
issued by any corporation incorporated under the laws of the United States or any state thereof which,
at the time of such investment, have one of the two highest long term ratings of each Rating Agency
(except if the Rating Agency is Moody's, such rating shall be the highest commercial paper rating of
Moody's for any such securities), or such lower rating as will not result in the downgrading or
withdrawal of the rating then assigned to the Certificates by any Rating Agency, as evidenced by a
signed writing delivered by each Rating Agency;
(ix) 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 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;
(x) short term investment funds sponsored by any trust company or banking association
incorporated under the laws of the United States or any state thereof (including any such fund managed
or advised by the Trustee or any affiliate thereof) which on the date of acquisition has been rated by
each Rating Agency in their respective highest applicable rating category 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; and
(xi) such other investments having a specified stated maturity and bearing interest or sold at
a discount acceptable to each Rating Agency as will not result in the downgrading or withdrawal of the
rating then assigned to the Certificates by any Rating Agency, as evidenced by a signed writing
delivered by each Rating Agency;
provided, that no such instrument shall be a Permitted Investment if such instrument (i)
evidences the right to receive interest only payments with respect to the obligations underlying such
instrument, (ii) is purchased at a premium or (iii) is purchased at a deep discount; provided further
that no such instrument shall be a Permitted Investment (A) if such instrument evidences principal and
interest payments derived from obligations underlying such instrument and the interest payments with
respect to such instrument provide a yield to maturity of greater than 120% of the yield to maturity at
par of such underlying obligations, or (B) if it may be redeemed at a price below the purchase price
(the foregoing clause (B) not to apply to investments in units of money market funds pursuant to clause
(viii) above); provided further that no amount beneficially owned by any 2006-AR4 REMIC may be invested
in investments (other than money market funds) treated as equity interests for federal income tax
purposes, unless the Trustee shall receive an Opinion of Counsel, at the expense of the Trustee, to the
effect that such investment will not adversely affect the status of any such REMIC as a REMIC under the
Code or result in imposition of a tax on any such REMIC. Permitted Investments that are subject to
prepayment or call may not be purchased at a price in excess of par.
Permitted Transferee: Any Person 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 Private Certificates.
Plan: The meaning specified in Section 5.07(a).
Policy Account: The account established and maintained pursuant to Section 4.07(a).
Preference Claim: As defined in Section 4.07(g).
Premium Rate: 0.080%
Prepayment Charge: With respect to any Mortgage Loan, the charges or premiums, if any, due in
connection with a Principal Prepayment of such Mortgage Loan in accordance with the terms thereof.
Prepayment Charge Loan: Any Mortgage Loan for which a Prepayment Charge may be assessed and to
which such Prepayment Charge the Class XP Certificates are entitled, as indicated on the Mortgage Loan
Schedule.
Prepayment Interest Shortfalls: With respect to any Distribution Date, for each Mortgage Loan
that was the subject of a Principal Prepayment or that became a Liquidated Mortgage Loan during the
related Prepayment Period, (other than a Principal Prepayment in full resulting from the purchase of a
Mortgage Loan pursuant to Section 2.02, 2.03, 3.21 or 10.01 hereof), the amount, if any, by which (i)
one month's interest at the applicable Net Rate on the Stated Principal Balance immediately prior to
such prepayment (or liquidation) or in the case of a partial Principal Prepayment on the amount of such
prepayment (or liquidation proceeds) exceeds (ii) the amount of interest paid or collected in connection
with such Principal Prepayment or such Liquidation Proceeds less the sum of (a) any Prepayment Charges
and (b) the Servicing Fee.
Prepayment Period: With respect to any Distribution Date and (i) Principal Prepayments in
full, the period from the sixteenth day of the calendar month preceding the calendar month in which such
Distribution Date occurs through the close of business on the fifteenth day of the calendar month in
which such Distribution Date occurs or (ii) Liquidation Proceeds, Realized Losses, Subsequent Recoveries
and partial Principal Prepayments, the prior calendar month.
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 therefore through the related Interest Accrual Period for such Class relating to a
Distribution Date.
Prime Rate: The prime rate of U.S. money center banks as published from time to time in The
Wall Street Journal.
Principal Distribution Amount: With respect to each Distribution Date, an amount equal to
(i) the Principal Funds for such Distribution Date, plus (ii) any Extra Principal Distribution Amount for
such Distribution Date, minus (iii) any Overcollateralization Release Amount for such Distribution Date.
Principal Funds: With respect to each Distribution Date, (i) the greater of zero and the sum,
without duplication, of (a) all scheduled principal collected on the Mortgage Loans during the related
Due Period, (b) all Monthly Advances relating to principal made on the Mortgage Loans on or before the
Distribution Account Deposit Date, (c) Principal Prepayments on the Mortgage Loans, exclusive of
Prepayment Charges collected during the related Prepayment Period, (d) the Stated Principal Balance of
each Mortgage Loan that was repurchased by the Sponsor pursuant to Section 2.02, 2.03 or 3.21 during the
related Due Period, (e) the aggregate of all Substitution Adjustment Amounts in connection with the
substitution of Mortgage Loans pursuant to Section 2.04 during the related Due Period, (f) amounts in
respect of principal paid by the Depositor pursuant to Section 10.01 and (g) all Insurance Proceeds,
Liquidation Proceeds and Subsequent Recoveries collected during the related Prepayment Period on the
Mortgage Loans, to the extent such proceeds relate to principal, in each case to the extent remitted by
the Servicer to the Distribution Account pursuant to this Agreement minus (ii) (a) all amounts required
to be reimbursed pursuant to Sections 4.01, 4.03 and 4.05 or as otherwise set forth in this Agreement,
(b) any Aggregate Premium Amount payable to the Certificate Insurer, to the extent not available from
Interest Funds and as provided in Section 4.04(a)(xiii), and (c) the amount of any Principal Prepayments
in full, partial Principal Prepayments, Net Liquidation Proceeds, Repurchase Proceeds and payments of
Scheduled Principal, in that order, included in Available Funds allocated for such Distribution Date
that are applied as Interest Funds in connection with any Deferred Interest in accordance with the
definition of Net Deferred Interest.
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 received at the time a
Mortgage Loan becomes a Liquidated Mortgage Loan.
Private Certificates: The Residual Certificates, the Class XP Certificates and the Class B-IO
Certificates.
Prospectus: The prospectus, dated October 23, 2006, as supplemented by the prospectus
supplement dated November 28, 2006 (as the same may be supplemented from time to time), relating to the
offering of the Offered Certificates.
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 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: Xxxxx'x 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 Net
Liquidation Proceeds with respect to such Mortgage Loan and the related Mortgaged Property. In addition,
to the extent the Servicer receives Subsequent Recoveries with respect to any Mortgage Loan, the amount
of the Realized Loss with respect to that Mortgage Loan will be reduced to the extent such recoveries
are applied to reduce the Current Principal Amount of any Class of Certificates (other than the Class
XP, Class B-IO and Residual Certificates) on any Distribution Date. As to any Mortgage Loan which has
become the subject of a Deficient Valuation, if the principal amount due under the related Mortgage Note
has been reduced, then "Realized Loss" is the difference between the principal balance of such Mortgage
Loan outstanding immediately prior to such Deficient Valuation and the principal balance of such
Mortgage Loan as reduced by the Deficient Valuation.
Record Date: For each Class of Offered Certificates and the Class B-5 Certificates and for any
Distribution Date, the close of business on the Business Day prior to such Distribution Date.
Reference Bank: A leading bank selected by the Trustee that is engaged in transactions in
Eurodollar deposits in the international Eurocurrency market.
Reference Bank Rate: With respect to any Interest Accrual Period, the arithmetic mean, rounded
upwards, if necessary, to the nearest whole multiple of 0.03125%, of the offered rates for United States
dollar deposits for one month that are quoted by the Reference Banks as of 11:00 a.m., New York City
time, on the related interest determination date to prime banks in the London interbank market for a
period of one month in amounts approximately equal to the aggregate Current Principal Amount of the
Offered Certificates for such Interest Accrual Period, provided that at least two such Reference Banks
provide such rate. If fewer than two offered rates appear, the Reference Bank Rate will be the
arithmetic mean, rounded upwards, if necessary, to the nearest whole multiple of 0.03125%, of the rates
quoted by one or more major banks in New York City, selected by the Trustee, as of 11:00 a.m., New York
City time, on such date for loans in U.S. dollars to leading European banks for a period of one month in
amounts approximately equal to the aggregate Current Principal Amount of the Offered Certificates.
Regulation AB: Subpart 229.1100 - Asset Backed Securities (Regulation AB), 17 C.F.R.
§§229.1100-229.1123, as such may be amended from time to time, and subject to such clarification and
interpretation as have been provided by the Commission in the adopting release (Asset-Backed Securities,
Securities Act Release No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff of the
Commission, or as may be provided by the Commission or its staff from time to time.
Reimbursement Amount: As defined in the Certificate Insurance Policy.
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, as amended, or similar state 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.
Remaining Excess Spread: With respect to any Distribution Date , the related Excess Spread
remaining after distribution of any related Extra Principal Distribution Amount for such Distribution
Date.
REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the
Code.
REMIC Administrator: The Trustee, provided that if the REMIC Administrator is found by a court
of competent jurisdiction to no longer be able to fulfill its obligations as REMIC Administrator under
this Agreement the Servicer shall appoint a successor REMIC Administrator, subject to assumption of the
REMIC Administrator obligations under this Agreement.
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 2006-AR4 REMIC to fail to qualify
as a REMIC while any regular interest in such 2006-AR4 REMIC is outstanding, (ii) result in a tax on
prohibited transactions with respect to any 2006-AR4 REMIC or (iii) constitute a taxable contribution to
any 2006-AR4 REMIC after the Startup Day.
REMIC Provisions: The provisions of the federal income tax law relating to REMICs, 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.
REMIC Regular Interest: Any of the REMIC I Regular Interests, REMIC II Regular Interests or the
REMIC III Regular Interest.
REMIC I: The segregated pool of assets, with respect to which a REMIC election is made
pursuant to this Agreement, consisting of:
(a) the Mortgage Loans and the related Mortgage Files and collateral securing such
Mortgage Loans,
(b) all payments on and collections in respect of the Mortgage Loans due after the Cut-off
Date as shall be on deposit in the Custodial Account or in the Distribution Account (other than amounts
representing Prepayment Charges in respect of Prepayment Charge Loans) and identified as belonging to
the Trust Fund,
(c) property that secured a Mortgage Loan and that has been acquired for the benefit of
the Certificateholders and the Certificate Insurer by foreclosure or deed in lieu of foreclosure,
(d) the hazard insurance policies and Primary Mortgage Insurance Policy, if any, and
(e) all proceeds of clauses (a) through (d) above.
REMIC I Available Distribution Amount: For any Distribution Date, the Available Funds.
REMIC I Distribution Amount: On each Distribution Date, the REMIC I Available Distribution
Amount, in the following order of priority, shall be distributed by REMIC I to REMIC II on account of
the REMIC I Regular Interests and to the Holders of the Class R Certificates in respect of Component I
thereof:
(i) to REMIC II as the holder of the REMIC I Regular Interests, pro rata,
in an amount equal to (A) the Uncertificated Accrued Interest for each such REMIC I Regular
Interest for such Distribution Date reduced, in each case, by any Net Deferred Interest
allocated to such REMIC I Regular Interest for such Distribution Date, plus (B) any amounts in
respect thereof remaining unpaid from previous Distribution Dates;
(ii) to REMIC II as the holder of the REMIC I Regular Interests,
in an amount equal to the remainder of the REMIC I Available Distribution Amount after the
distributions made pursuant to clause (i) above, allocated as follows:
(A) in respect of REMIC I Regular Interests LT2, LT3 and LT4,
their respective Principal Distribution Amounts;
(B) in respect of REMIC I Regular Interest LT1 any remainder until the
Uncertificated Principal Balance thereof is reduced to zero;
(C) any remainder in respect of each of the REMIC I Regular Interests
(other than REMIC I Regular Interest LT1), pro rata according to their
respective Uncertificated Principal Balances as reduced by the distributions
deemed made pursuant to (A) above, until their respective Uncertificated
Principal Balances are reduced to zero; and
(iii) any remaining amounts to the Holders of the Class R
Certificates in respect of Component I thereof.
REMIC I Interest: The REMIC I Regular Interests and Component I of the Class R Certificates.
REMIC I Net Deferred Interest: Net Deferred Interest for any Distribution Date shall be
allocated to REMIC I Regular Interest LT1 in reduction of the portion of the Uncertificated Accrued
Interest thereon distributable on the related Distribution Date and shall result in an increase in the
Uncertificated Principal Balance thereof to the extent of such reduction.
REMIC I Principal Reduction Amounts: For any Distribution Date, the amounts by which the
Uncertificated Principal Balances of the REMIC I Regular Interests will be reduced on such Distribution
Date by the allocation of REMIC I Realized Losses and REMIC I Net Deferred Interest and the distribution
of principal, determined as follows:
For purposes of the succeeding formulas the following symbols shall have the meanings
set forth below:
X0 xxxx Uncertificated Principal Balance of REMIC I Regular Interest LT1 after
distributions and the allocation of REMIC I Net Deferred Interest and REMIC I Realized Losses on the
prior Distribution Date.
Y2 =the Uncertificated Principal Balance of REMIC I Regular Interest LT2 after
distributions and the allocation of REMIC I Realized Losses on the prior Distribution Date.
Y3 = the Uncertificated Principal Balance of REMIC I Regular Interest LT3 after
distributions and the allocation of REMIC I Realized Losses on the prior Distribution Date.
Y4 =the Uncertificated Principal Balance of REMIC I Regular Interest LT4 after
distributions and the allocation of REMIC I Realized Losses on the prior Distribution Date (note: Y3 =
Y4).
ΔY1 = the REMIC I Regular Interest LT1 Principal Reduction Amount.
ΔY2 = the REMIC I Regular Interest LT2 Principal Reduction Amount.
ΔY3 = the REMIC I Regular Interest LT3 Principal Reduction Amount.
ΔY4 = the REMIC I Regular Interest LT4 Principal Reduction Amount.
P0 =the aggregate Uncertificated Principal Balance of the REMIC I Regular Interests
after distributions and the allocation of REMIC I Realized Losses and REMIC I Net Deferred Interest on
the prior Distribution Date.
P1 =the aggregate Uncertificated Principal Balance of the REMIC I Regular Interests
after distributions and the allocation of REMIC I Realized Losses and REMIC I Net Deferred Interest to
be made on such Distribution Date.
ΔP =P0 - P1 = the aggregate of the REMIC I Principal Reduction Amounts.
= the aggregate of the REMIC I Net Deferred Interest and principal portions of
REMIC I Realized Losses to be allocated to, and the principal distributions to be made on, the
Certificates on such Distribution Date (including distributions of accrued and unpaid interest on the
Class B-IO Certificates for prior Distributions Dates).
R0 = the Net Rate Cap after giving effect to amounts distributed and REMIC I
Realized Losses and REMIC I Net Deferred Interest allocated on the prior Distribution Date.
R1 = the Net Rate Cap after giving effect to amounts to be distributed and REMIC I
Realized Losses and REMIC I Net Deferred Interest to be allocated on such Distribution Date.
α =(Y2 + Y3)/P0. The initial value of α on the Closing Date for use on the first
Distribution Date shall be 0.0001.
γ0 = the lesser of (A) the sum for all Classes of Certificates (other than the
Class B-IO Certificates) of the product for each Class of (i) the monthly interest rate (as limited by
the Net Rate Cap, if applicable) for such Class applicable for distributions to be made on such
Distribution Date and (ii) the aggregate Current Principal Amount for such Class after distributions and
the allocation of REMIC I Realized Losses and REMIC I Net Deferred Interest on the prior Distribution
Date and (B) R0*P0.
γ1 = the lesser of (A) the sum for all Classes of Certificates (other than the
Class B-IO Certificates) of the product for each Class of (i) the monthly interest rate (as limited by
the Net Rate Cap, if applicable) for such Class applicable for distributions to be made on the next
succeeding Distribution Date and (ii) the aggregate Current Principal Amount for such Class after
distributions and the allocation of REMIC I Realized Losses and REMIC I Net Deferred Interest to be made
on such Distribution Date and (B) R1*P1.
Then, based on the foregoing definitions:
ΔY1 = ΔP - ΔY2 - ΔY3 - ΔY4;
ΔY2 = (α/2){( γ0R1 - γ1R0)/R0R1};
ΔY3 = αΔP - ΔY2; and
ΔY4 = ΔY3.
if both ΔY2 and ΔY3, as so determined, are non-negative numbers. Otherwise:
(1)If ΔY2, as so determined, is negative, then
ΔY2 = 0;
ΔY3 = α{γ1R0P0 - γ0R1P1}/{γ1R0};
ΔY4 = ΔY3; and
ΔY1 = ΔP - ΔY2 - ΔY3 - ΔY4.
(2)If ΔY3, as so determined, is negative, then
ΔY3 = 0;
ΔY2 = α{γ1R0P0 - γ0R1P1}/{2R1R0P1 - γ1R0};
ΔY4 = ΔY3; and
ΔY1 = ΔP - ΔY2 - ΔY3 - ΔY4.
REMIC I Realized Losses: For any Distribution Date, Realized Losses on Mortgage Loans for the
related Due Period shall be allocated to REMIC I Regular Interests LT1, LT2, LT3 and LT4 as follows:
The interest portion of such Realized Losses, if any, shall be allocated to such REMIC I Regular
Interests, pro rata according to the amount of interest accrued but unpaid thereon, in reduction
thereof. Any interest portion of such Realized Losses in excess of the amount allocated pursuant to the
preceding sentence shall be treated as a principal portion of Realized Losses not attributable to any
specific Mortgage Loan and allocated pursuant to the succeeding sentences. The principal portion of such
Realized Losses shall be allocated to such REMIC I Regular Interests as follows: (1) first, to REMIC I
Regular Interests LT2, LT3 and LT4, pro rata according to their respective REMIC I Principal Reduction
Amounts, provided that such allocation to such REMIC I Regular Interests shall not exceed their
respective REMIC I Principal Reduction Amounts for such Distribution Date, and (2) second, any Realized
Losses not allocated to such REMIC I Regular Interests pursuant to the proviso of clause (1) above shall
be allocated to REMIC I Regular Interest LT1.
REMIC I Regular Interest: Any of the separate non-certificated beneficial ownership interests
in REMIC I set forth in Section 5.01(c) and issued hereunder and designated as a "regular interest" in
REMIC I. Each REMIC I Regular Interest shall accrue interest at the Uncertificated Pass-Through Rate
specified for such REMIC I Regular Interest in Section 5.01(c), and shall be entitled to distributions
of principal, subject to the terms and conditions hereof, in an aggregate amount equal to its initial
Uncertificated Principal Balance as set forth in Section 5.01(c). The designations for the respective
REMIC I Regular Interests are set forth in Section 5.01(c).
REMIC I Regular Interest LT1 Principal Distribution Amount: For any Distribution Date, the
excess, if any, of the REMIC I Regular Interest LT1 Principal Reduction Amount for such Distribution
Date over the REMIC I Realized Losses and REMIC I Net Deferred Interest allocated to REMIC I Regular
Interest LT1 on such Distribution Date.
REMIC I Regular Interest LT2 Principal Distribution Amount: For any Distribution Date, the
excess, if any, of the REMIC I Regular Interest LT2 Principal Reduction Amount for such Distribution
Date over the REMIC I Realized Losses allocated to REMIC I Regular Interest LT2 on such Distribution
Date.
REMIC I Regular Interest LT3 Principal Distribution Amount: For any Distribution Date, the
excess, if any, of the REMIC I Regular Interest LT3 Principal Reduction Amount for such Distribution
Date over the REMIC I Realized Losses allocated to REMIC I Regular Interest LT3 on such Distribution
Date.
REMIC I Regular Interest LT4 Principal Distribution Amount: For any Distribution Date, the
excess, if any, of the REMIC I Regular Interest LT4 Principal Reduction Amount for such Distribution
Date over the REMIC I Realized Losses allocated to REMIC I Regular Interest LT4 on such Distribution
Date.
REMIC II: That group of assets contained in the Trust Fund designated as a REMIC consisting of
the REMIC I Regular Interests and any proceeds thereof.
REMIC II Available Distribution Amount: For any Distribution Date, the amounts deemed
distributed with respect to the REMIC I Regular Interests pursuant to Section 6.07.
REMIC II Distribution Amount: For any Distribution Date, the REMIC II Available Distribution
Amount shall be deemed distributed by REMIC II to the holders of the Certificates (other than the Class
R, Class R-X, Class B-IO and Class XP Certificates) on account of the REMIC II Regular Interests (other
than REMIC II Regular Interests B-IO and B-IO-P), to REMIC III on account of REMIC II Regular Interests
B-IO-I and B-IO-P and to the holders of Class R Certificates in respect of Component II thereof, as
follows: to each REMIC II Regular Interest in respect of Uncertificated Accrued Interest thereon and
the Uncertificated Principal Balance thereof, the amount distributed in respect of interest and
principal on the Class or Classes of Certificates bearing the same designation (with such amounts having
the same character as interest or principal with respect to the REMIC II Regular Interest as they have
with respect to such Certificates), except that (1) no amount paid to any Certificate in respect of any
Basis Risk Shortfall or Basis Risk Shortfall Carry Forward Amount shall be included in the amount paid
in respect of the related REMIC II Regular Interest and (2) any amount paid in respect of Basis Risk
Shortfalls and Basis Risk Shortfall Carryforward Amounts shall be deemed paid with respect to REMIC II
Regular Interest B-IO-I in respect of accrued and unpaid interest thereon. Any remaining amount of the
REMIC II Available Distribution Amount shall be distributed to the holders of the Class R Certificates
in respect of Component II thereof.
REMIC II Interests: The REMIC II Regular Interests and Component II of the Class R
Certificates.
REMIC II Net Deferred Interest: Net Deferred Interest for any Distribution Date shall be
allocated to the REMIC II Regular Interests to the same extent that Net Deferred Interest is allocated
to the Class of Certificates bearing the same designation.
REMIC II Regular Interest: Any of the separate beneficial ownership interests in REMIC II set
forth in Section 5.01(c) and issued hereunder and designated as a "regular interest" in REMIC II. Each
REMIC II Regular Interest (other than REMIC II Regular Interests B-IO-I and B-IO-P) shall accrue
interest at the Pass-Through Rate for the Class of Certificates bearing the same designation specified
in Section 5.01(c), modified as provided in the footnotes of the REMIC II table, if applicable. REMIC
II Regular Interest B-IO-I shall accrue interest at the Class B-IO Pass-Through Rate. REMIC II Regular
Interest B-IO-P shall accrue no interest. Each REMIC II Regular Interest (other than REMIC II Regular
Interest B-IO-I) shall be entitled to distributions of principal, subject to the terms and conditions
hereof, in an aggregate amount equal to the Current Principal Amount of the Class of Certificates
bearing the same designation as set forth in Section 5.01(c). The designations for the respective
REMIC II Regular Interests are set forth in Section 5.01(c).
REMIC III: That group of assets contained in the Trust Fund designated as a REMIC consisting
of REMIC II Regular Interests B-IO-I and B-IO-P and any proceeds thereof.
REMIC III Available Distribution Amount: For any Distribution Date, the amounts deemed
distributed with respect to REMIC II Regular Interests B-IO-I and B-IO-P pursuant to Section 6.07.
REMIC III Distribution Amount: For any Distribution Date, the REMIC III Available Distribution
Amount shall be deemed distributed by REMIC III to the holders of the Class B-IO Certificates the
amounts deemed distributed with respect to REMIC II Regular Interests B-IO-I and B-IO-P.
REMIC III Interests: The REMIC III Regular Interest and the Class R-X Certificates.
REMIC III Regular Interest: The separate beneficial ownership interest in REMIC III set forth
in Section 5.01(c) and issued hereunder and designated as the single "regular interest" in REMIC III.
The REMIC III Regular Interest shall accrue interest at the Uncertificated Pass-Through Rate specified
for the REMIC III Regular Interest in Section 5.01(c). The designation for the REMIC III Regular
Interest is set forth in Section 5.01(c).
REO Acquisition: The acquisition by the Servicer on behalf of the Trustee for the benefit of
the Certificateholders and the Certificate Insurer of any REO Property pursuant to Section 3.15.
REO Disposition: As to any REO Property, a determination by the Servicer that it has received
all Insurance Proceeds, Liquidation Proceeds, REO Proceeds and other payments and recoveries (including
proceeds of a final sale) which the Servicer expects to be finally recoverable from the sale or other
disposition of the REO Property.
REO Proceeds: Proceeds, net of expenses, received in respect of any REO Property.
REO Property: A Mortgaged Property acquired in the name of the Trust, 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(a)(iii).
Repurchase Price: With respect to any Mortgage Loan (or any property acquired with respect
thereto) required to be repurchased by the Sponsor pursuant to the Mortgage Loan Purchase Agreement or
Article II of this Agreement, an amount equal to the excess of (i) the sum of (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), (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, and
(c) any costs and damages (if any) incurred by the Trust in connection with any violation of such
Mortgage Loan of any predatory or abusive lending laws over (ii) any portion of the Servicing
Compensation, Monthly Advances and advances payable to the purchaser of the Mortgage Loan.
Repurchase Proceeds: The Repurchase Price in connection with any repurchase of a Mortgage Loan
by the Sponsor 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.
Reserve Fund: The separate trust account created and maintained by the Trustee pursuant to
Section 4.08 hereof.
Residual Certificates: The Class R Certificates and the Class R-X Certificates.
Responsible Officer: Any officer assigned to the Corporate Trust Office of the Trustee (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.
Xxxxxxxx-Xxxxx Act: The Xxxxxxxx-Xxxxx Act of 2002 and the rules and regulations of the
Commission promulgated thereunder (including any interpretation thereof by the Commission's staff).
Xxxxxxxx-Xxxxx Certification: As defined in Section 3.18(a)(iv).
Scheduled Payment: With respect to any Mortgage Loan and any Due Period, the scheduled payment
or payments of principal and interest due during such Due Period on such Mortgage Loan which either is
payable by a Mortgagor in such Due Period 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.
Securities Act: The Securities Act of 1933, as amended.
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 OR (2) 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 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
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 (A "PLAN") THAT IS SUBJECT TO
TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, AND/OR SECTION 4975 OF THE
INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"), OR BY A PERSON USING "PLAN ASSETS" OF A PLAN,
UNLESS THE PROPOSED TRANSFEREE PROVIDES THE TRUSTEE WITH AN OPINION OF COUNSEL FOR THE BENEFIT OF THE
TRUSTEE AND THE SERVICER AND ON WHICH THEY MAY RELY WHICH IS SATISFACTORY TO THE TRUSTEE THAT THE
PURCHASE OF THIS CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF
1974, AS AMENDED, OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE SERVICER OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.
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.
Servicer: As of the Closing Date, EMC Mortgage Corporation and, thereafter, its respective
successors in interest that meet the qualifications of this Agreement.
Servicing Criteria: The "servicing criteria" set forth in Item 1122(d) of Regulation AB, as
such may be amended from time to time.
Servicing Fee: As to any Mortgage Loan and a Distribution Date, an amount equal to the product
of (i) the Stated Principal Amount of such Mortgage Loan as of the Due Date in the month preceding the
month in which such Distribution Date occurs and (ii) the Servicing Fee Rate, or, in the event of any
payment of interest that accompanies a Principal Prepayment in full during the related Due Period made
by the Mortgagor immediately prior to such prepayment, interest at the related Servicing Fee Rate on the
Stated Principal Amount of such Mortgage Loan for the period covered by such payment of interest.
Servicing Fee Rate: As to any Mortgage Loan, 0.375% per annum.
Servicing Officer: The President or a Vice President or Assistant Vice President or other
authorized officer of the Servicer having direct responsibility for the administration of this Agreement,
and any other authorized officer of the Servicer to whom a matter arising hereunder may be referred.
Significance Estimate: With respect to any Distribution Date, and in accordance with Item 1115
of Regulation AB, shall be an amount determined based on the reasonable good-faith estimate by the
Depositor of the aggregate maximum probable exposure of the outstanding Certificates to the related Cap
Contract.
Significance Percentage: With respect to any Distribution Date, and in accordance with Item
1115 of Regulation AB, shall be an percentage equal to the Significance Estimate divided by the
aggregate outstanding Certificate Principal Balance of the Certificates, prior to the distribution of
the related Principal Distribution Amount on such Distribution Date.
Sponsor: EMC, as mortgage loan seller under the Mortgage Loan Purchase Agreement.
Startup Day: November 30, 2006.
Stated Principal Balance: With respect to any Mortgage Loan or related REO Property and any
Distribution Date, the Outstanding Principal Balance thereof as of the Cut-off Date (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) plus any amount
by which the Principal Balance thereof has been increased for Deferred Interest pursuant to the terms of
the related Mortgage Note on or prior to such Distribution Date, minus the sum of (i) the principal
portion of the Scheduled Payments due with respect to such Mortgage Loan during each Due Period ending
prior to such Distribution Date (and irrespective of any delinquency in their payment), (ii) all
Principal Prepayments with respect to such Mortgage Loan received prior to or during the related
Prepayment Period, (iii) all Liquidation Proceeds to the extent applied by the Servicer as recoveries of
principal in accordance with this Agreement with respect to such Mortgage Loan, that were received by
the Servicer as of the close of business on the last day of the calendar month related to such
Distribution Date and (iv) any Realized Losses on such Mortgage Loan incurred prior to or during the
preceding calendar month. The Stated Principal Balance of a Liquidated Mortgage Loan equals zero.
Stepdown Date: The earlier to occur of (i) the Distribution Date on which the aggregate Current
Principal Amount of the Class A Certificates has been reduced to zero and (ii) the later to occur of (x)
the Distribution Date occurring in December 2009 and (y) the first Distribution Date for which the
aggregate Current Principal Amount of the Class B Certificates plus the Overcollateralization Amount
divided by the aggregate Stated Principal Balance of the Mortgage Loans is greater than or equal (i)
prior to the Distribution Date in November 2012, 25.250% and (ii) on or after the Distribution Date in
November 2012, 20.200%.
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.
Subsequent Recoveries: As of any Distribution Date, amounts received during the related
Prepayment Period by the Servicer (net of any related expenses permitted to be reimbursed pursuant to
Section 4.02) or surplus amounts held by the Servicer to cover estimated expenses (including, but not
limited to, recoveries in respect of the representations and warranties made by the Sponsor pursuant to
the Mortgage Loan Purchase Agreement) specifically related to a Liquidated Mortgage Loan or the
disposition of an REO Property prior to the related Prepayment Period that resulted in a Realized Loss,
after liquidation or disposition of such Mortgage Loan.
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.
Substitute Mortgage Loan: A mortgage loan tendered to the Trust pursuant to 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,
(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 and (ix)
has a negative amortization cap of no more than that of the Mortgage Loan for which it is to be
substituted.
Substitution Adjustment Amount: The amount, if any, required to be paid by the Sponsor to the
Trustee for deposit in the Distribution Account pursuant to Section 2.04 in connection with the
substitution of a Mortgage Loan.
Tax Administration and Tax Matters Person: The Trustee and any successor thereto or assignee
thereof shall serve as tax administrator hereunder and as agent for the Tax Matters Person. The Holder
of the largest percentage interest 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.
Termination Purchase Price: The price, calculated as set forth in Section 10.01, to be paid in
connection with the repurchase of the Mortgage Loans pursuant to Section 10.01.
Trigger Event: The occurrence of either a Delinquency Test Violation or a Cumulative Loss Test
Violation.
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: Xxxxx Fargo Bank, National Association, or its successor in interest, or any
successor trustee appointed as herein provided.
Trustee Fee: As defined in Section 9.05.
Trustee Fee Rate: 0.0095% per annum.
Uncertificated Accrued Interest: With respect to any Uncertificated Regular Interest for any
Distribution Date, one month's interest at the related Uncertificated Pass-Through Rate for such
Distribution Date, accrued on the Uncertificated Principal Balance immediately prior to such
Distribution Date. Uncertificated Accrued Interest for the Uncertificated Regular Interests shall accrue
on the basis of a 360-day year consisting of twelve 30-day months except as otherwise indicated in the
definition of the applicable Uncertificated Pass-Through Rate. For purposes of calculating the amount of
Uncertificated Accrued Interest for the REMIC I Regular Interests for any Distribution Date, any
Prepayment Interest Shortfalls and Relief Act Shortfalls (to the extent not covered by Compensating
Interest Payments) shall be allocated among the REMIC I Regular Interests, pro rata, based on, and to
the extent of, Uncertificated Accrued Interest, as calculated without application of this sentence. For
purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC II Regular Interests
for any Distribution Date, any Prepayment Interest Shortfalls and Relief Act Shortfalls (to the extent
not covered by Compensating Interest Payments) shall be allocated among the REMIC II Regular Interests
to the same extent such amounts are allocated to the Class of Certificates bearing the same designation.
Uncertificated Pass-Through Rate: The Uncertificated REMIC I Pass-Through Rate, the
Uncertificated REMIC II Pass-Through Rate and the Uncertificated REMIC III Pass-Through Rate, as
applicable. Any monthly calculation of interest at a stated rate for the REMIC I Regular Interests,
REMIC II Regular Interest B-IO-I or the REMIC III Regular Interest shall be based upon annual interest
at such rate divided by twelve.
Uncertificated Principal Balance: The principal amount of any Uncertificated Regular Interest
outstanding as of any date of determination. The Uncertificated Principal Balance of each REMIC Regular
Interest shall never be less than zero.
Uncertificated Regular Interests: The REMIC I Regular Interests and REMIC II Regular Interests
B-IO-I and B-IO-P.
Uncertificated REMIC I Pass-Through Rate: With respect to any Distribution Date and: (i) REMIC
I Regular Interests LT1 and LT2, the weighted average of the Net Rates on the Mortgage Loans, (ii) REMIC
I Regular Interest LT3, zero (0.00%), and (iii) REMIC I Regular Interest LT4, twice the weighted average
of the Net Rates on the Mortgage Loans.
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 to this 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.
Unpaid Realized Loss Amount: With respect to any Distribution Date and any Class of Class A
Certificates and Class B Certificates, the excess of (i) Applied Realized Loss Amounts allocated to such
Class over (ii) the sum of all distributions to such Class in reduction of such Applied Realized Loss
Amounts on all previous Distribution Dates. Any amounts distributed to a Class of Certificates in
respect of any Unpaid Realized Loss Amount will not be applied to reduce the Current Principal Amount of
such Class.
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 the Mortgage
Loan Schedule, including all interest due and principal received with respect to the Mortgage Loans
after the Cut-off Date but excluding any payments of 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 Custodial Account, (iii) such assets relating to the Mortgage Loans as from time to
time may be held by the Trustee in the Distribution Account and the Reserve Fund for the benefit of the
Offered Certificates, the Class B-5 Certificates and the Class B-IO Certificates, as applicable, (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 Section 2.03(a), (vii) such assets as shall from time to
time be credited or are required by the terms of this Agreement to be credited to any of the Accounts
and (viii) 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. The Class A-2 Certificateholders will also have the benefit of the Certificate
Insurance Policy.
(b) In connection with the above transfer and assignment, the Sponsor hereby deposits with
the Trustee or the Custodian, as its agent, 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 Mortgage 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 "Xxxxx Fargo 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, Tennessee, South Carolina, Mississippi and Florida, 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 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; and (y) the Depositor shall not be required to deliver intervening assignments or
Mortgage Note endorsements between the Sponsor 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 Custodial 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 Sponsor, 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
Sponsor and its successor and assigns; provided, however, that each assignment shall be submitted for
recording by the Sponsor 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 Sponsor and (iv) the occurrence of a servicing transfer as described in
Section 8.02 hereof. Notwithstanding the foregoing, if the Sponsor 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 (on behalf of the
Trust) 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 it
or 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 (5) Business Days after the receipt by the Trustee or Custodian thereof), the Trustee
agrees, for the benefit of the Certificateholders and the Certificate Insurer, 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 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 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 Sponsor. In accordance with the Mortgage Loan Purchase Agreement
the Sponsor 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 Sponsor 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 or the Custodian, as its agent, shall
enforce the Sponsor's obligation pursuant to the Mortgage Loan Purchase Agreement within 90 days from
the Trustee's or the Custodian's notification, to 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)(A) of the Code and Treasury Regulation Section 1.860G-2(a)(1), (2), (4),
(5), (6), (7) and (9), without reliance on the provisions of Treasury Regulation Section 1.860G-2(a)(3)
or Treasury Regulation Section 1.860G-2(f)(2) or any other provision that would allow a Mortgage Loan to
be treated as a "qualified mortgage" notwithstanding its failure to meet the requirements of Section
860G(a)(3)(A) of the Code and Treasury Regulation Section 1.860G-2(a)(1), (2), (4), (5), (6), (7) and
(9), 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 Sponsor 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 Sponsor shall not be required to purchase such Mortgage Loan if the Sponsor 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 Sponsor 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
Sponsor 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 Sponsor 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 (5) 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 and
the Certificate Insurer, 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 Sponsor (provided, however, that with respect to those documents described in Sections 2.01(b)(iv),
(v) and (vii), the Trustee's and Custodian's obligations shall extend only to the documents actually
delivered to the Trustee or the Custodian pursuant to such Sections). In accordance with the Mortgage
Loan Purchase Agreement, the Sponsor 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 Sponsor 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
Sponsor's obligation under the Mortgage Loan Purchase Agreement to provide a Substitute Mortgage Loan (if
within two years of the Closing Date) or purchase such Mortgage Loan at the Repurchase Price; provided,
however, that if such defect would cause the Mortgage Loan to be other than a "qualified mortgage" as
defined in Section 860G(a)(3)(A) of the Code and Treasury Regulation Section 1.860G-2(a)(1), (2), (4),
(5), (6), (7) and (9), without reliance on the provisions of Treasury Regulation Section 1.860G-2(a)(3)
or Treasury Regulation Section 1.860G-2(f)(2) or any other provision that would allow a Mortgage Loan to
be treated as a "qualified mortgage" notwithstanding its failure to meet the requirements of Section
860G(a)(3)(A) of the Code and Treasury Regulation Section 1.860G-2(a)(1), (2), (4), (5), (6), (7) and
(9), any such cure, repurchase or substitution must occur within 90 days from the date such breach was
discovered; provided, further, that if such defect relates solely to the inability of the Sponsor 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 Sponsor shall not be required to purchase such Mortgage Loan, if the Sponsor 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
Sponsor 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 Sponsor 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 Sponsor
within thirty days of its receipt of the original recorded document.
(c) In the event that a Mortgage Loan is purchased by the Sponsor in accordance with
Sections 2.02(a) or (b) above, the Sponsor shall remit to the Servicer the Repurchase Price for deposit
in the Custodial Account and the Sponsor shall provide to the Trustee written notification detailing the
components of the Repurchase Price. Upon deposit of the Repurchase Price in the Custodial 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 Sponsor 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 Sponsor, as
are necessary to vest in the Sponsor 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 Trustee. The Servicer 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 Servicer, to reflect such repurchase
and shall promptly notify the Trustee of such amendment and the Trustee shall promptly notify the Rating
Agencies and the Servicer of such amendment. The obligation of the Sponsor to repurchase any 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 Trust for the benefit of the
certificateholders and the Certificate Insurer, all of its right, title and interest in the Mortgage
Loan Purchase Agreement. The obligations of the Sponsor 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 Trust 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 Servicer 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 Sponsor, 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 Trust; 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 Sponsor 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
Sponsor to the extent not required by law to be paid to the borrower. Any such purchase by the Sponsor
shall be made by providing an amount equal to the Repurchase Price to the Servicer for deposit in the
Custodial Account and written notification detailing the components of such Repurchase Price. The
Sponsor shall notify the Trustee and submit to the Trustee or the Custodian, as its agent, a Request for
Release, and the Trustee shall release, or the Trustee shall cause the Custodian to release, to the
Sponsor the related Mortgage File and the Trustee shall execute and deliver all instruments of transfer
or assignment furnished to it by the Sponsor, without recourse, representation or warranty as are
necessary to vest in the Sponsor 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 Sponsor 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 Sponsor 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.
(c) In connection with any repurchase of a Mortgage Loan or the cure of a breach of a
representation or warranty pursuant to this Section 2.03, the Sponsor shall promptly furnish to the
Trustee an officer's certificate, signed by a duly authorized officer of the Sponsor to the effect that
such repurchase or cure has been made in accordance with the terms and conditions of this Agreement and
that all conditions precedent to such repurchase or cure have been satisfied, including the delivery to
the Trustee of the Repurchase 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, in which the Trustee may rely. Solely for purposes of the Trustee providing an Assessment of
Compliance, upon receipt of such documentation, the Trustee shall approve such repurchase or cure and
which approval shall consist solely of the Trustee's receipt of such documentation and deposits.
Section 2.04. Substitution of Mortgage Loans. (a) 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 Sponsor may, no later than the date by which
such purchase by the Sponsor would otherwise be required, tender to the Trustee (on behalf of the Trust)
a Substitute Mortgage Loan accompanied by a certificate of an authorized officer of the Sponsor that
such Substitute Mortgage Loan conforms to the requirements set forth in the definition of "Substitute
Mortgage Loan" in the Mortgage Loan Purchase Agreement or this Agreement, as applicable; 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)(A) of the Code
and Treasury Regulation Section 1.860G-2(a)(1), (2), (4), (5), (6), (7) and (9), without reliance on the
provisions of Treasury Regulation Section 1.860G-2(a)(3) or Treasury Regulation Section 1.860G-2(f)(2)
or any other provision that would allow a Mortgage Loan to be treated as a "qualified mortgage"
notwithstanding its failure to meet the requirements of Section 860G(a)(3)(A) of the Code and Treasury
Regulation Section 1.860G-2(a)(1), (2), (4), (5), (6), (7) and (9), any such cure or substitution must
occur within 90 days from the date the breach was discovered. The Trustee or the Custodian, as its
agent, 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 Sponsor, in writing,
within five (5) Business Days after receipt, whether or not the documents relating to the Substitute
Mortgage Loan satisfy the requirements of the fourth sentence of Section 2.02(a). Within two Business
Days after such notification, the Sponsor shall provide to the Trustee 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 Sponsor of the Repurchase
Price for the purchase of a Mortgage Loan by the Sponsor. After such notification to the Sponsor 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 Sponsor. The
Scheduled Principal on a Substitute Mortgage Loan due on the Due Date in the month of substitution shall
be the property of the Sponsor 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 Trustee or the Custodian as agent of the Trustee, as
applicable, of a Request for Release for such Mortgage Loan), the Trustee or the Custodian, as agent for
the Trustee, shall release to the Sponsor 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 Sponsor 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 Sponsor shall deliver the documents related to the
Substitute Mortgage Loan in accordance with the provisions of the Mortgage Loan Purchase Agreement or
Sections 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 Sections. The representations and warranties set forth in the Mortgage Loan Purchase Agreement
shall be deemed to have been made by the Sponsor with respect to each Substitute Mortgage Loan as of the
date of acceptance of such Mortgage Loan by the Trustee (on behalf of the Trust). The Sponsor shall
amend the Mortgage Loan Schedule to reflect such substitution and shall provide a copy of such amended
Mortgage Loan Schedule to the Trustee, who shall then deliver such amended Mortgage Loan Schedule to the
Rating Agencies.
(b) In connection with any substitution of a Mortgage Loan or the cure of a breach of a
representation or warranty pursuant to this Section 2.04, the Sponsor shall promptly furnish to the
Trustee an officer's certificate, signed by a duly authorized officer of the Sponsor to the effect that
such substitution or cure has been made in accordance with the terms and conditions of this Agreement
and that all conditions precedent to such substitution or cure have been satisfied, including the
delivery to the Trustee of the Substitution Adjustment Amount, as applicable, 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, in which the Trustee may rely. Solely for
purposes of the Trustee providing an Assessment of Compliance, upon receipt of such documentation, the
Trustee shall approve such substitution or cure, as applicable, and which approval shall consist solely
of the Trustee's receipt of such documentation and deposits.
Section 2.05. Issuance of Certificates.
(a) The Trustee acknowledges the assignment to it (on behalf of the Trust) of the Mortgage
Loans and the other assets comprising the Trust Fund and, concurrently therewith, 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 and the Certificate Insurer.
(b) The Depositor, concurrently with the execution and delivery hereof, does hereby
transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right,
title and interest of the Depositor in and to the REMIC I Regular Interests and the other assets of
REMIC II for the benefit of the holders of the REMIC II Interests and REMIC II Regular Interests B-IO-I
and B-IO-P and the other assets of REMIC III for the benefit of the holders of the REMIC III Interests.
The Trustee acknowledges receipt of such Uncertficated Regular Interests and such other 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 II Interests and the REMIC III Interests, as applicable.
Section 2.06. Representations and Warranties Concerning the Depositor. The Depositor hereby
represents and warrants to the Servicer, the Certificate Insurer and the Trustee as follows:
(a) 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;
(b) 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;
(c) 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;
(d) 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;
(e) 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);
(f) 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; and
(g) immediately prior to the transfer and assignment to the Trust, 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.
Section 2.07. Reserved.
Section 2.08. Purposes and Powers of the Trust.
The purpose of the common law trust, as created hereunder, is to engage in the following
activities:
(a) acquire and hold the Mortgage Loans and the other assets of the Trust Fund and the
proceeds therefrom;
(b) to issue the Certificates sold to the Depositor in exchange for the Mortgage Loans;
(c) to make payments on the Certificates;
(d) to engage in those activities that are necessary, suitable or convenient to accomplish
the foregoing or are incidental thereto or connected therewith; and
(e) subject to compliance with this Agreement, to engage in such other activities as may
be required in connection with conservation of the Trust Fund and the making of distributions to the
Certificateholders.
The Trust is hereby authorized to engage in the foregoing activities. The Trustee shall not
cause the Trust to engage in any activity other than in connection with the foregoing or other than as
required or authorized by the terms of this Agreement while any Certificate is outstanding, and this
Section 2.08 may not be amended, without the consent of the Certificateholders evidencing 51% or more of
the aggregate voting rights of the Certificates.
ARTICLE III
Administration and Servicing of Mortgage Loans
Section 3.01. Servicer to Act as Servicer. The Servicer shall service and administer the
Mortgage Loans in accordance with this Agreement and with Accepted Servicing Practices 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. 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. 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 Depositor and the Servicer.
In instances in which a Mortgage Loan is in default or if default is reasonably foreseeable,
the Servicer may engage, either directly or through Subservicers, in a wide variety of loss mitigation
practices including waivers, modifications, payment forbearances, partial forgiveness, entering into
repayment schedule arrangements, and capitalization of arrearages rather than proceeding with
foreclosure or repossession, if applicable. In making that determination, the estimated Realized Loss
that might result if the loan were liquidated would be taken into account. In addition, if the Mortgage
Loan is not in default or if default is not reasonably foreseeable, the Servicer may modify the Mortgage
Loan only to the extent set forth herein; provided that, such modification will not result in the
imposition of taxes on any REMIC or otherwise adversely affect the REMIC status of the trust. Any
modified Mortgage Loan may remain in the Trust, and the reduction in collections resulting from a
modification may result in reduced distributions of interest or principal on, or may extend the final
maturity of, one or more Classes of Certificates.
The Servicer shall provide to each Mortgagor of a Mortgage Loan all payment options listed in
the related Mortgage Note that are available to such Mortgagor with respect to such payment,
notwithstanding any provision in the related Mortgage Note that explicitly states or implies that
providing such options is optional for the servicer of such Mortgage Loan or the owner or holder of the
related Mortgage Note.
Notwithstanding the foregoing, the Servicer shall not permit any modification with respect to
any Mortgage Loan that would both constitute a sale or exchange of such Mortgage Loan within the meaning
of Section 1001 of the Code and any proposed, temporary or final regulations promulgated thereunder
(other than in connection with a proposed conveyance or assumption of such Mortgage Loan that is treated
as a Principal Prepayment in Full) and cause any REMIC formed under this Agreement to fail to qualify as
a REMIC under the Code. Upon request, the Trustee shall furnish the Servicer with any powers of
attorney, in substantially the form attached hereto as Exhibit I, and other documents in form as
provided to it necessary or appropriate to enable the Servicer to service and administer the related
Mortgage Loans and REO Property.
The Trustee shall provide access to the records and documentation in possession of the Trustee
regarding the related Mortgage Loans and REO Property and the servicing thereof to the
Certificateholders, the FDIC, and the supervisory agents and examiners of the FDIC, such access being
afforded only upon reasonable prior written request and during normal business hours at the office of
the Trustee; provided, however, that, unless otherwise required by law, the Trustee shall not be
required to provide access to such records and documentation if the provision thereof would violate the
legal right to privacy of any Mortgagor. The Trustee shall allow representatives of the above entities
to photocopy any of the records and documentation and shall provide equipment for that purpose at a
charge that covers the Trustee's actual costs.
The Trustee shall execute and deliver to the Servicer any court pleadings, requests for
trustee's sale or other documents prepared by the Servicer as 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.
The Servicer shall not waive any Prepayment Charge unless: (i) the enforceability thereof shall
have been limited by bankruptcy, insolvency, moratorium, receivership and other similar laws relating to
creditors' rights generally, (ii) the enforcement thereof is illegal, or any local, state or federal
agency has threatened legal action if the prepayment penalty is enforced, (iii) the mortgage debt has
been accelerated in connection with a foreclosure or other involuntary payment or (iv) such waiver is
standard and customary in servicing similar Mortgage Loans and relates to a default or a reasonably
foreseeable default and would, in the reasonable judgment of the Servicer, maximize recovery of total
proceeds taking into account the value of such Prepayment Charge and the related Mortgage Loan. If a
Prepayment Charge is waived, but does not meet the standards described above, then the Servicer is
required to pay the amount of such waived Prepayment Charge by remitting such amount to the Depositor by
the Distribution Account Deposit Date.
Section 3.02. REMIC-Related Covenants. For as long as each 2006-AR4 REMIC shall exist, the
Trustee shall act in accordance herewith to assure continuing treatment of such 2006-AR4 REMIC as a
REMIC, and the Trustee shall comply with any directions of the Depositor or the Servicer to assure such
continuing treatment. In particular, the Trustee shall not (a) sell or permit the sale of all or any
portion of the Mortgage Loans or of any investment of deposits in an Account unless such sale is as a
result of a repurchase of the Mortgage Loans pursuant to this Agreement or the Trustee has received a
REMIC Opinion addressed to the Trustee prepared at the expense of the Trust Fund; and (b) other than
with respect to a substitution pursuant to the Mortgage Loan Purchase Agreement or Section 2.04 of this
Agreement, as applicable, accept any contribution to any 2006-AR4 REMIC after the Startup Day without
receipt of a REMIC Opinion addressed to the Trustee.
Section 3.03. Monitoring of Subservicers. (a) The Servicer shall perform all of its
servicing responsibilities hereunder or may cause a subservicer to perform any such servicing
responsibilities on its behalf, but the use by the Servicer of a subservicer shall not release the
Servicer from any of its obligations hereunder and the Servicer shall remain responsible hereunder for
all acts and omissions of each subservicer as fully as if such acts and omissions were those of the
Servicer. Any such subservicer must be a Xxxxxx Xxx approved seller/servicer or a Xxxxxxx Mac
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.
(b) 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 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 7.07, 8.01 or 10.01, and if requested to do so by the
Depositor, 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 Depositor.
(c) 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 Depositor 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.
(d) 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 Depositor shall have no obligations, duties or liabilities with respect to such
Subservicer including no obligation, duty or liability of Depositor 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 3.04. Fidelity Bond. The 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 the Servicer's behalf, and covering
errors and omissions in the performance of the 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 servicers.
Section 3.05. Power to Act; Procedures. The Servicer shall 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
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, as applicable; provided, however, that the Servicer shall not (and consistent with its
responsibilities under 3.03, shall not permit any subservicer to) knowingly or intentionally take any
action, or fail to take (or fail to cause to be taken) any action reasonably within its control and the
scope of duties more specifically set forth herein, that, under the REMIC Provisions, if taken or not
taken, as the case may be, would cause any 2006-AR4 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 Servicer has received an Opinion of Counsel (but not at the
expense of the Servicer) to the effect that the contemplated action would not cause any 2006-AR4 REMIC
to fail to qualify as a REMIC or result in the imposition of a tax upon any 2006-AR4 REMIC. The Trustee
shall furnish the Servicer, with any powers of attorney empowering the Servicer to execute and deliver
instruments of satisfaction or cancellation, or of partial or full release or discharge, and to
foreclose upon or otherwise liquidate Mortgaged Property, and to appeal, prosecute or defend in any
court action relating to the Mortgage Loans or the Mortgaged Property, in accordance with this
Agreement, and the Trustee shall execute and deliver such other documents, as the Servicer may request,
to enable the Servicer to service and administer the Mortgage Loans and carry out its duties hereunder,
in each case in accordance with Accepted Servicing Practices (and the Trustee shall have no liability
for misuse of any such powers of attorney by the Servicer). If the 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 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 Servicer shall be an independent contractor and shall not, except in those
instances where it is taking action in the name of the Trustee, be deemed to be the agent of the Trustee.
Section 3.06. Due-on-Sale Clauses; Assumption Agreements.
(a) When any Mortgaged Property is conveyed by a Mortgagor, the Servicer or subservicer,
to the extent it has knowledge of such conveyance, shall enforce any due-on-sale clause contained in any
Mortgage Note or Mortgage, to the extent permitted under applicable law and governmental regulations,
but only to the extent that such enforcement will not adversely affect or jeopardize coverage under any
Primary Mortgage Insurance Policy. Notwithstanding the foregoing, the Servicer is not required to
exercise such rights with respect to a Mortgage Loan if the Person to whom the related Mortgaged
Property has been conveyed or is proposed to be conveyed satisfies the terms and conditions contained in
the Mortgage Note and Mortgage related thereto and the consent of the mortgagee under such Mortgage Note
or Mortgage is not otherwise so required under such Mortgage Note or Mortgage as a condition to such
transfer. In the event that the Servicer is prohibited by law from enforcing any such due-on-sale
clause, or if coverage under any Primary Mortgage Insurance Policy would be adversely affected, or if
nonenforcement is otherwise permitted hereunder, the Servicer is authorized, subject to Section 3.06(b),
to take or enter into an assumption and modification agreement from or with the person to whom such
property has been or is about to be conveyed, pursuant to which such person becomes liable under the
Mortgage Note and, unless prohibited by applicable state law, the Mortgagor remains liable thereon,
provided that the Mortgage Loan shall continue to be covered (if so covered before the Servicer enters
such agreement) by the applicable Primary Mortgage Insurance Policy. The Servicer, subject to
Section 3.06(b), is also authorized with the prior approval of the insurers under any Primary Mortgage
Insurance Policy to enter into a substitution of liability agreement with such Person, pursuant to which
the original Mortgagor is released from liability and such Person is substituted as Mortgagor and
becomes liable under the Mortgage Note. Notwithstanding the foregoing, the Servicer shall not be deemed
to be in default under this Section by reason of any transfer or assumption which the Servicer
reasonably believes it is restricted by law from preventing, for any reason whatsoever.
(b) Subject to the Servicer's duty to enforce any due-on-sale clause to the extent set
forth in Section 3.06(a), in any case in which a Mortgaged Property is to be conveyed to a Person by a
Mortgagor, and such Person is to enter into an assumption or modification agreement or supplement to the
Mortgage Note or Mortgage which requires the signature of the Trustee, or if an instrument of release
signed by the Trustee is required releasing the Mortgagor from liability on the Mortgage Loan, the
Servicer is authorized, subject to the requirements of the sentence next following, to execute and
deliver, on behalf of the Trustee, the assumption agreement with the Person to whom the Mortgaged
Property is to be conveyed and such modification agreement or supplement to the Mortgage Note or
Mortgage or other instruments as are reasonable or necessary to carry out the terms of the Mortgage Note
or Mortgage or otherwise to comply with any applicable laws regarding assumptions or the transfer of the
Mortgaged Property to such Person; provided, however, that in connection with any such assumption, no
material term of the Mortgage Note may be changed. Upon receipt of appropriate instructions from the
Servicer in accordance with the foregoing, the Trustee shall execute any necessary instruments for such
assumption or substitution of liability delivered to it by the Servicer and as directed in writing by
the Servicer. Upon the closing of the transactions contemplated by such documents, the Servicer shall
cause the originals or true and correct copies of the assumption agreement, the release (if any), or the
modification or supplement to the Mortgage Note or Mortgage to be delivered to the Trustee or the
Custodian and deposited with the Mortgage File for such Mortgage Loan. Any fee collected by the
Servicer or such related subservicer for entering into an assumption or substitution of liability
agreement will be retained by the Servicer or such subservicer as additional servicing compensation.
Section 3.07. Release of Mortgage Files. (a) Upon becoming aware of the payment in full of
any Mortgage Loan, or the receipt by the Servicer of a notification that payment in full has been
escrowed in a manner customary for such purposes for payment to Certificateholders on the next
Distribution Date, the Servicer will, (or if the Servicer does not, the Trustee 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 Custodial Account maintained by the Servicer pursuant to Section 4.01
have been or will be so deposited) and shall request that the Custodian, on behalf of the Trustee,
deliver to the Servicer the related Mortgage File. Upon receipt of such certification and request, the
Custodian, on behalf of the Trustee, shall promptly release the related Mortgage File to the Servicer
and the Trustee and Custodian shall have no further responsibility with regard to such Mortgage File.
Upon any such payment in full, the Servicer is authorized, to give, as agent for the Trustee, as the
mortgagee under the Mortgage that secured the Mortgage Loan, an instrument of satisfaction (or
assignment of mortgage without recourse) regarding the Mortgaged Property subject to the Mortgage, which
instrument of satisfaction or assignment, as the case may be, shall be delivered to the Person or
Persons entitled thereto against receipt therefor of such payment, it being understood and agreed that
no expenses incurred in connection with such instrument of satisfaction or assignment, as the case may
be, shall be chargeable to the 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
Certificateholders or the Depositor may have under the Mortgage Loan Documents, the Servicer, upon
written demand by the Depositor or the Trustee, shall remit within one Business Day the then outstanding
principal balance of the related Mortgage Loan by deposit thereof in the Custodial Account.
(b) From time to time and as appropriate for the servicing or foreclosure of any Mortgage
Loan, the Trustee shall execute such documents as shall be prepared and furnished to the Trustee by the
Servicer (in a form reasonably acceptable to the Trustee) and as are necessary to the prosecution of any
such proceedings. The Custodian, on behalf of the Trustee, shall, upon the request of the Servicer, 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. Such trust receipt shall obligate the
Servicer to return the Mortgage File to the Custodian on behalf of the Trustee, when the need therefor
by the 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 or to the Servicer.
Section 3.08. Documents, Records and Funds in Possession of Servicer To Be Held for Trustee.
(a) The Servicer shall transmit to the Trustee or Custodian such documents and instruments
coming into the possession of the Servicer from time to time as are required by the terms hereof, to be
delivered to the Trustee or Custodian. Any funds received by the Servicer in respect of any Mortgage
Loan or which otherwise are collected by the 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 Servicer's right to retain or withdraw from the Custodial Account the Servicing Fee and
other amounts as provided in this Agreement. The Servicer shall 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 Servicer
designated by it. In fulfilling such a request the 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
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 Servicer for and on
behalf of the Trustee and the Certificateholders and shall be and remain the sole and exclusive property
of the Trust; provided, however, that the Servicer shall be entitled to setoff against, and deduct from,
any such funds any amounts that are properly due and payable to the Servicer under this Agreement.
Section 3.09. Standard Hazard Insurance and Flood Insurance Policies.
(a) 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. 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 Xxx 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 an
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 Mae and are licensed to do business in the state
wherein the property subject to the policy is located.
(b) If the Servicer shall obtain and maintain a blanket hazard insurance policy with
extended coverage insuring against hazard losses on all of the Mortgage Loans, it shall conclusively be
deemed to have satisfied its obligations as set forth in the first sentence of Section 3.09(a), it being
understood and agreed that such policy may contain a deductible clause, in which case the Servicer
shall, in the event that there shall not have been maintained on the related Mortgaged Property a policy
complying with the first sentence of Section 3.09(a) and there shall have been a loss which would have
been covered by such policy, deposit in the Custodial Account the amount not otherwise payable under the
blanket policy because of such deductible clause.
(c) Pursuant to Section 4.01, any amounts collected by the Servicer, under any insurance
policies (other than amounts to be applied to the restoration or repair of the property subject to the
related Mortgage) shall be deposited into the Custodial Account, subject to withdrawal pursuant to
Section 4.02. Any cost incurred by the Servicer in maintaining any such insurance if the Mortgagor
defaults in its obligation to do so shall be added to the amount owing under the Mortgage Loan where the
terms of the Mortgage Loan so permit; provided, however, that the addition of any such cost shall not be
taken into account for purposes of calculating the distributions to be made to Certificateholders and
shall be recoverable by the Servicer pursuant to Section 4.02.
Section 3.10. Presentment of Claims and Collection of Proceeds. The Servicer shall 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
Servicer in respect of such policies, bonds or contracts shall be promptly deposited in the Custodial
Account upon receipt, except that any amounts realized that are to be applied to the repair or
restoration of the related Mortgaged Property as a condition precedent to the presentation of claims on
the related Mortgage Loan to the insurer under any applicable Insurance Policy need not be so deposited
(or remitted).
Section 3.11. Maintenance of the Primary Mortgage Insurance Policies.
(a) The Servicer shall not take, or permit any subservicer 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 Servicer or such subservicer, would have been covered thereunder. The Servicer shall
cause to be kept 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. The Servicer shall not, and shall not permit any subservicer 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. Any such primary mortgage insurance policies shall be
issued by a Qualified Insurer.
(b) The Servicer agrees to present, or to cause each subservicer 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, any amounts collected by the Servicer under any Primary Mortgage Insurance Policies shall
be deposited in the Custodial Account, subject to withdrawal pursuant to Section 4.02.
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 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 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 Servicer from time to time.
Section 3.13. 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 Xxx Guide, to foreclose upon 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 pursuant to Section 4.01. In determining the delinquency status of any Mortgage
Loan, the Servicer will use Delinquency Recognition Policies as described to and approved by the
Depositor, and shall revise these policies as requested by the Depositor from time to time. 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 Depositor, 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
Depositor 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 4.02. The Servicer shall be responsible for all costs
and expenses incurred by it in any such proceedings or functions as advances; provided, however, that it
shall be entitled to reimbursement therefor as provided in Section 4.02. 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 Trustee 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 Depositor and the Trustee with a written report of the environmental inspection.
Section 3.14. Compensation for the Servicer. The Servicer will be entitled to the Servicing
Fee and all income and gain realized from any investment of funds in the Custodial Account, pursuant to
Article IV, for the performance of its activities hereunder. Servicing compensation in the form of
assumption fees, if any, late payment charges, as collected, if any, or otherwise (but not including any
Prepayment Charges) shall be retained by the Servicer and shall not be deposited in the Custodial
Account. The Servicer will be entitled to retain, as additional compensation, any interest incurred in
connection with a Principal Prepayment in full or otherwise in excess of amounts required to be remitted
to the Distribution Account (such amounts together with the amounts specified in the first sentence of
this Section 3.14, the "Servicing Compensation") and any Excess Liquidation Proceeds. The 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 Servicer shall ensure that the title to such
REO Property references this Agreement and the Trustee's capacity hereunder (and not in its individual
capacity). The Servicer, however, shall not be required to expend its own funds or incur other
reimbursable charges in connection with any foreclosure, or attempted foreclosure which is not
completed, or towards the restoration of any property unless it shall determine (i) that such
restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Holders
of Certificates of one or more Classes after reimbursement to itself for such expenses or charges and
(ii) that such expenses or charges will be recoverable to it through Liquidation Proceeds, Insurance
Proceeds, or REO Proceeds (respecting which it shall have priority for purposes of withdrawals from the
Custodial Account pursuant to Section 4.02, whether or not such expenses and charges are actually
recoverable from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the event of
such a determination by the Servicer pursuant to this Section 3.15(a), the Servicer shall be entitled to
reimbursement of such amounts pursuant to Section 4.02. If the Servicer has knowledge that a Mortgaged
Property which the Servicer is contemplating acquiring in foreclosure or by deed in lieu of foreclosure
is located within a one (1) mile radius of any site listed in the Expenditure Plan for the Hazardous
Substance Clean Up Bond Act of 1984 or other site with environmental or hazardous waste risks known to
the Servicer, the Servicer will, prior to acquiring the Mortgaged Property, consider such risks and only
take action in accordance with its established environmental review procedures.
The Servicer shall, either itself or through an agent selected by the Servicer, 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, including in accordance with the REMIC Provisions
and in a manner that does not result in a tax on "net income from foreclosure property" (unless such
result would maximize the Trust Fund's after-tax return on such property) or cause such REO Property to
fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the Code. Each
disposition of REO Property shall be carried out by the Servicer at such price and upon such terms and
conditions as the Servicer deems to be in the best interest of the Certificateholders. The Servicer
shall deposit all funds collected and received in connection with the operation of any REO Property in
the Custodial Account pursuant to Section 4.01.
Upon the occurrence of a Cash Liquidation or REO Disposition, following the deposit in the
Custodial Account of all Insurance Proceeds, Liquidation Proceeds and other payments and recoveries
referred to in the definition of "Cash Liquidation" or "REO Disposition," as applicable, upon receipt by
the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any
Custodian, as the case may be, shall release to the Servicer the related Mortgage File and the Trustee
shall execute and deliver such instruments of transfer or assignment prepared by the Servicer, in each
case without recourse, as shall be necessary to vest in the Servicer or its designee, as the case may
be, the related Mortgage Loan, and thereafter such Mortgage Loan shall not be part of the Trust Fund.
(b) If title to any Mortgaged Property is acquired by the Trust Fund as an REO Property by
foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the
Trustee or to its nominee on behalf of Certificateholders. Notwithstanding any such acquisition of
title and cancellation of the related Mortgage Loan, such REO Property shall (except as otherwise
expressly provided herein) be considered to be an Outstanding Mortgage Loan held in the Trust Fund until
such time as the REO Property shall be sold. Consistent with the foregoing for purposes of all
calculations hereunder so long as such REO Property shall be considered to be an Outstanding Mortgage
Loan it shall be assumed that, notwithstanding that the indebtedness evidenced by the related Mortgage
Note shall have been discharged, such Mortgage Note and the related amortization schedule in effect at
the time of any such acquisition of title (after giving effect to any previous Curtailments and before
any adjustment thereto by reason of any bankruptcy or similar proceeding or any moratorium or similar
waiver or grace period) remain in effect. To the extent the net income received during any calendar
month is in excess of the amount attributable to amortizing principal and accrued interest at the
related Mortgage Rate on the related Mortgage Loan for such calendar month, such excess shall be
considered to be a Curtailment of the related Mortgage Loan.
(c) If the Trust Fund acquires any REO Property as aforesaid or otherwise in connection
with a default or imminent default on a Mortgage Loan, the Servicer on behalf of the Trust Fund shall
dispose of such REO Property within three full years after the taxable year of its acquisition by the
Trust Fund for purposes of Section 860G(a)(8) of the Code (or such shorter period as may be necessary
under applicable state (including any state in which such property is located) law to maintain the
status of any portion of the applicable REMIC as a REMIC under applicable state law and avoid taxes
resulting from such property failing to be foreclosure property under applicable state law) or, at the
expense of the Trust Fund, request, more than 60 days before the day on which such grace period would
otherwise expire, an extension of such grace period unless the Servicer obtains for the Trustee an
Opinion of Counsel, addressed to the Trustee and the Servicer, to the effect that the holding by the
Trust Fund of such REO Property subsequent to such period will not result in the imposition of taxes on
"prohibited transactions" as defined in Section 860F of the Code or cause the applicable REMIC to fail to
qualify as a REMIC (for federal (or any applicable State or local) income tax purposes) at any time that
any Certificates are outstanding, in which case the Trust Fund may continue to hold such REO Property
(subject to any conditions contained in such Opinion of Counsel). The Servicer shall be entitled to be
reimbursed from the Custodial Account for any costs incurred in obtaining such Opinion of Counsel, as
provided in Section 4.02. Notwithstanding any other provision of this Agreement, no REO Property
acquired by the Trust Fund shall be rented (or allowed to continue to be rented) or otherwise used by or
on behalf of the Trust Fund in such a manner or pursuant to any terms that would (i) cause such REO
Property to fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the
Code or (ii) subject the Trust Fund to the imposition of any federal income taxes on the income earned
from such REO Property, including any taxes imposed by reason of Section 860G(c) of the Code, unless the
Servicer has agreed to indemnify and hold harmless the Trust Fund with respect to the imposition of any
such taxes.
Section 3.16. Annual Statement as to Compliance; Annual Certification.
(a) The Servicer and the Trustee shall deliver to the Depositor, not later than March 15
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 has been made under such officer's
supervision and (ii) to the best of such officer's knowledge, based on such review, each such party has
fulfilled all of its obligations under this Agreement in all material respects throughout such year, or,
if there has been a failure to fulfill any such obligation in any material respect, specifying each such
failure known to such officer and the nature and status of cure provisions thereof. Such Annual
Statement of Compliance shall contain no restrictions or limitations on its use. In the event that the
Servicer has delegated any servicing responsibilities with respect to the Mortgage Loans to a
Subservicer or Subcontractor, the Servicer shall cause such Subservicer or Subcontractor to deliver a
similar Annual Statement of Compliance by that Subservicer or Subcontractor to the Depositor and the
Trustee as described above as and when required with respect to the Servicer.
(b) With respect to the Mortgage Loans, by March 15th of each calendar year beginning in
2007, an officer of the Servicer shall execute and deliver an officer's certificate (an "Annual
Certification") to the Depositor for the benefit of the Depositor and the Depositor's affiliates and the
officers, directors and agents of the Depositor and the Depositor's affiliates, in the form attached
hereto as Exhibit T. In the event that the Servicer has delegated any servicing responsibilities with
respect to the Mortgage Loans to a Subservicer or Subcontractor, the Servicer shall deliver an Annual
Certification of the Subservicer as described above as to each Subservicer as and when required with
respect to the Servicer.
(c) Failure of the Servicer to comply with this Section 3.16 (including with respect to
the timeframes required in this Section) shall be deemed an Event of Default, and the Trustee, at the
direction of the Depositor, shall, in addition to whatever rights the Trustee may have under this
Agreement and at law or equity or to damages, including injunctive relief and specific performance, upon
notice immediately 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.
Failure of the Trustee 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 Form 10-K shall be
deemed a default which may result in the termination of the Trustee pursuant to Section 9.08 of this
Agreement and the Depositor may, in addition to whatever rights the Depositor may have under this
Agreement and at law or equity or to damages, including injunctive relief and specific performance, upon
notice immediately terminate all the rights and obligations of the Trustee under this Agreement and in
and to the Mortgage Loans and the proceeds thereof without compensating the Trustee for the same. This
paragraph shall supercede any other provision in this Agreement or any other agreement to the contrary.
Section 3.17. Assessments of Compliance and Attestation Reports. The Servicer shall service
and administer the Mortgage Loans in accordance with all applicable requirements of the Servicing
Criteria. Pursuant to Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation AB, the
Servicer, the Trustee and the Custodian (each, an "Attesting Party") shall deliver to the Trustee, the
Servicer 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 its
responsibility for assessing compliance with the Servicing Criteria applicable to the related Attesting
Party;
(b) A statement by such officer, attached as Exhibit T, that such Attesting Party used the
Servicing Criteria attached as Exhibit P hereto, and which will also be attached to the Assessment of
Compliance, to assess compliance with the Servicing Criteria applicable to the related Attesting Party;
(c) An assessment by such officer of the related Attesting Party's compliance with the
applicable Servicing Criteria for the period consisting of the preceding calendar year, including
disclosure of any material instance of noncompliance with respect thereto during such period, which
assessment shall be based on the activities such Attesting Party performs with respect to asset-backed
securities transactions taken as a whole involving the related Attesting Party, that are backed by the
same asset type as the Mortgage Loans;
(d) A statement that a registered public accounting firm has issued an attestation report
on the related Attesting Party's Assessment of Compliance for the period consisting of the preceding
calendar year; and
(e) A statement as to which of the Servicing Criteria, if any, are not applicable to such
Attesting Party, which statement shall be based on the activities such Attesting Party performs with
respect to asset-backed securities transactions taken as a whole involving such Attesting Party, that
are backed by the same asset type as the Mortgage Loans.
Such report at a minimum shall address each of the Servicing Criteria specified on Exhibit P
hereto that 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 Servicer, the Depositor and the Trustee 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 Servicer shall cause any subservicer and each subcontractor determined by it to be
"participating in the servicing function" within the meaning of Item 1122 of Regulation AB, to deliver to
the Trustee, the Servicer and the Depositor an Assessment of Compliance and Attestation Report as and
when provided above along with an indication of what Servicing Criteria are addressed in such assessment.
Such Assessment of Compliance, as to any subservicer, shall at a minimum address each of the
Servicing Criteria specified on Exhibit P hereto which are indicated as applicable to any "primary
servicer." The Trustee shall confirm that each of the Assessments of Compliance delivered to it address
the Servicing Criteria for each party as set forth on Exhibit P 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.
Failure of the Servicer to comply with this Section 3.17 (including with respect to the
timeframes required in this Section) shall be deemed an Event of Default, and the Trustee at the
direction of the Depositor shall, in addition to whatever rights the Trustee may have under this
Agreement and at law or equity or to damages, including injunctive relief and specific performance, upon
notice immediately 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. This
paragraph shall supercede any other provision in this Agreement or any other agreement to the contrary.
The Trustee shall also provide an Assessment of Compliance and Attestation Report, as and when
provided above, which shall at a minimum address each of the Servicing Criteria specified on Exhibit P
hereto which are indicated as applicable to the "trustee." In addition, the Trustee shall cause the
Custodian to deliver to the Trustee, the Servicer 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 P hereto which are indicated as applicable to a "custodian."
Notwithstanding the foregoing, as to the Trustee and any Custodian, an Assessment of Compliance is not
required to be delivered unless it is required as part of a Form 10-K with respect to the Trust Fund.
Section 3.18. Reports Filed with Securities and Exchange Commission.
(a) (i) Within 15 days after each Distribution Date, the Trustee shall, in
accordance with industry standards, file with the Commission via the Electronic Data Gathering and
Retrieval System ("XXXXX"), a Distribution Report on Form 10-D, signed by the Servicer, with a copy of
the Monthly Statement to be furnished by the Trustee to the Certificateholders for such Distribution
Date; provided that the Trustee shall have received no later than five (5) calendar days after the
related Distribution Date, all information required to be provided to the Trustee as described in clause
(a)(ii) below. Any disclosure in addition to the Monthly Statement that is required to be included on
Form 10-D ("Additional Form 10-D Disclosure") shall be, pursuant to the paragraph immediately below,
reported by the parties set forth on Exhibit R to the Trustee and the Depositor and approved by the
Depositor, and the Trustee will have no duty or liability for any failure hereunder to determine or
prepare any Additional Form 10-D Disclosure absent such reporting (other than with respect to when it is
the reporting party as set forth in Exhibit R) or prepare any Additional Form 10-D Disclosure absent
such reporting and approval.
(ii) (A) Within five (5) calendar days after the related Distribution Date,
(i) the parties set forth in Exhibit R shall be required to provide, pursuant to section 3.18(a)(v)
below, to the Trustee and the Depositor, to the extent known, in XXXXX-compatible format, or in such
other form as otherwise agreed upon by the Trustee 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 will be responsible for any reasonable fees and expenses assessed
or incurred by the Trustee in connection with including any Additional Form 10-D Disclosure on Form 10-D
pursuant to this Section.
(B) After preparing the Form 10-D, the Trustee shall forward electronically a copy
of the Form 10-D to the Servicer, and in the case that such Form 10-D contains Additional Form 10-D
Disclosure, to the Servicer and the Depositor, for review. No later than two (2) Business Days prior to
the 15th calendar day after the related Distribution Date, a senior officer of the Servicer in charge of
the servicing function shall sign the Form 10-D and return an electronic or fax copy of such signed Form
10-D (with an original executed hard copy to follow by overnight mail) to the Trustee. If a Form 10-D
cannot be filed on time or if a previously filed Form 10-D needs to be amended, the Trustee 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 Trustee will make available on its internet website identified in
Section 6.04 a final executed copy of each Form 10-D prepared and filed by the Trustee. The signing
party at the Servicer can be contacted at 000-000-0000. 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 hereby represents to the Trustee that the Depositor has filed all such required
reports during the preceding 12 months and that it has been subject to such filing requirement for the
past 90 days. The Depositor shall notify the Trustee 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 either question should be "no." The Trustee shall be entitled to rely on such representations in
preparing, executing and/or filing any such report. The parties to this Agreement acknowledge that the
performance by the Trustee of its 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. The Trustee shall have no
liability for any loss, expense, damage or 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
Trustee's inability or failure to receive, on a timely basis, any information from any other party hereto
needed to prepare, arrange for execution or file such Form 10-D, not resulting from its own negligence,
bad faith or willful misconduct.
(iii) (A) Within four (4) Business Days after the occurrence of an event
requiring disclosure on Form 8-K (each such event, a "Reportable Event"), the Trustee 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 R to the Trustee and the
Depositor and approved by the Depositor, and the Trustee will have no duty or liability for any failure
hereunder to determine or prepare any Additional Form 8-K Disclosure absent such reporting (other than
with respect to when it is the reporting party as set forth in Exhibit R) or prepare any Additional Form
8-K Disclosure absent such reporting and approval.
(B) For so long as the Trust is subject to the Exchange Act reporting
requirements, no later than 5:00 p.m. New York City time on the 2nd Business Day after the occurrence of
a Reportable Event (i) the parties set forth in Exhibit R shall be required pursuant to Section
3.18(a)(v) below to provide to the Trustee 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
Trustee and the Depositor and such party, the form and substance of any Form 8-K Disclosure Information,
if applicable, and (ii) the Depositor will approve, as to form and substance, or disapprove, as the case
may be, the inclusion of the Form 8-K Disclosure Information on Form 8-K. The Depositor will be
responsible for any reasonable fees and expenses assessed or incurred by the Trustee 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 Trustee shall forward electronically a copy
of the Form 8-K to the Depositor and the Servicer for review. No later than 12:00 p.m. New York City
time on the 4th Business Day after the Reportable Event, a senior officer of the Servicer shall sign the
Form 8-K and return an electronic or fax copy of such signed Form 8-K (with an original executed hard
copy to follow by overnight mail) to the Trustee. If a Form 8-K cannot be filed on time or if a
previously filed Form 8-K needs to be amended, the Trustee 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 Trustee will make available on its internet website, identified in Section 6.04, a final
executed copy of each Form 8-K prepared and filed by the Trustee. The signing party at the Servicer can
be contacted at 000-000-0000. The parties to this Agreement acknowledge that the performance by the
Trustee of its duties under this Section 3.18(a)(iii) related to the timely preparation and filing of
Form 8-K is contingent upon such parties strictly observing all applicable deadlines in the performance
of their duties under this Section 3.18(a)(iii). The Trustee shall have no 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 Trustee's inability or failure to
receive, on a timely basis, any information from any other party hereto needed to prepare, arrange for
execution or file such Form 8-K, not resulting from its own negligence, bad faith or willful misconduct.
(iv)(A) Within 90 days after the end of each fiscal year of the Trust or such earlier
date as may be required by the Exchange Act (the "10-K Filing Deadline") (it being understood that the
fiscal year for the Trust ends on December 31st of each year), commencing in March 2007, the Trustee
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 Trustee within the applicable timeframes set forth in this Agreement, (I) an
annual compliance statement for the Servicer and any Subservicer, as described under Section 3.18,
(II)(A) the annual reports on assessment of compliance with Servicing Criteria for the Servicer, each
Subservicer and Subcontractor participating in the Servicing Function, the Trustee and the Custodian, as
described under Section 3.17, and (B) if the Servicer's, the Trustee's or the Custodian's report on
assessment of compliance with servicing criteria described under Section 3.17 identifies any material
instance of noncompliance, disclosure identifying such instance of noncompliance, or if the Servicer's,
the Trustee's or the Custodian's report on assessment of compliance with Servicing Criteria described
under Section 3.17 is not included as an exhibit to such Form 10-K, disclosure that such report is not
included and an explanation why such report is not included, (III)(A) the registered public accounting
firm attestation report for the Servicer, the Trustee and the Custodian, as described under Section
3.17, and (B) if any registered public accounting firm attestation report described under Section 3.17
identifies any material instance of noncompliance, disclosure identifying such instance of
noncompliance, or if any such registered public accounting firm attestation report is not included as an
exhibit to such Form 10-K, disclosure that such report is not included and an explanation why such
report is not included, and (IV) a Xxxxxxxx-Xxxxx Certification ("Xxxxxxxx-Xxxxx Certification") as
described in this Section 3.18(a)(iv)(D) below. Any disclosure or information in addition to (I) through
(IV) above that is required to be included on Form 10-K ("Additional Form 10-K Disclosure") shall be,
pursuant to the paragraph immediately below, reported by the parties set forth on Exhibit R to the
Trustee and the Depositor and approved by the Depositor, and the Trustee will have no duty or liability
for any failure hereunder to determine or prepare any Additional Form 10-K Disclosure absent such
reporting (other than with respect to when it is the reporting party as set forth in Exhibit R) or
prepare any Additional Form 10-K Disclosure absent such reporting 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 R shall be
required to provide pursuant to Section 3.18(a)(v) below to the Trustee and the Depositor, to the extent
known, in XXXXX-compatible format, or in such other form as otherwise agreed upon by the Trustee 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 will be responsible for
any reasonable fees and expenses assessed or incurred by the Trustee in connection with including any
Additional Form 10-K Disclosure Information on Form 10-K pursuant to this Section.
(C) After preparing the Form 10-K, the Trustee shall forward electronically a
draft copy of the Form 10-K to the Depositor and the Servicer for review. No later than 12:00 p.m. New
York City time on the 4th Business Day prior to the 10-K Filing Deadline, a senior officer of the
Servicer in charge of the servicing function shall sign the Form 10-K and return an electronic or fax
copy of such signed Form 10-K (with an original executed hard copy to follow by overnight mail) to the
Trustee. If a Form 10-K cannot be filed on time or if a previously filed Form 10-K needs to be amended,
the Trustee 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 Trustee will make available on its internet
website identified in Section 6.04 a final executed copy of each Form 10-K prepared and filed by the
Trustee. The signing party at the Servicer can be contacted at 000-000-0000. 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 hereby represents to the Trustee that the Depositor has
filed all such required reports during the preceding 12 months and that it has been subject to such
filing requirement for the past 90 days. The Depositor shall notify the Trustee in writing, no later
than March 15th with respect to the filing of a report on Form 10-K, if the answer to either question
should be "no." The Trustee shall be entitled to rely on such representations in preparing, executing
and/or filing any such report. The parties to this Agreement acknowledge that the performance by the
Trustee of its duties under Sections 3.18(a)(iv) related to the timely preparation and filing of Form
10-K is contingent upon such parties strictly observing all applicable deadlines in the performance of
their duties under such Sections, Section 3.16 and Section 3.17. The Trustee shall have no liability
for any loss, expense, damage, claim arising out of or with respect to any failure to properly prepare
and/or timely file such Form 10-K, where such failure results from the Trustee'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. Subject to the foregoing, the Trustee has no duty under this Agreement to monitor or enforce
the performance by the other parties listed on Exhibit R of their duties under this paragraph or to
proactively solicit or procure from such parties any Additional Form 10-K Disclosure information.
(D) Each Form 10-K shall include a certification (the "Xxxxxxxx-Xxxxx
Certification") required to be included therewith pursuant to the Xxxxxxxx-Xxxxx Act. The Trustee shall,
and the Servicer shall cause any subservicer or subcontractor engaged by it to, provide to the Person
who signs the Xxxxxxxx-Xxxxx Certification (the "Certifying Person"), by March 10 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 Q-1 or Exhibit Q-2, as applicable, 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. The senior
officer of the Servicer in charge of the servicing function shall serve as the Certifying Person on
behalf of the Trust. Such officer of the Certifying Person can be contacted at 000-000-0000.
With respect to any Additional Form 10-D Disclosure, Additional Form 10-K Disclosure or any
Form 8-K Disclosure Information (collectively, the "Additional Disclosure") relating to the Trust Fund
in the form attached hereto as Exhibit S, the Trustee'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 R as the responsible party for providing that information, if other than the
Trustee, as and when required as described in Section 3.18(a)(i) through (iv) above. Each of the
Trustee, Servicer, Sponsor, and Depositor hereby agree to notify and provide to the extent known to the
Trustee, Servicer, Sponsor and the Depositor all Additional Disclosure relating to the Trust Fund, with
respect to which such party is indicated in Exhibit R as the responsible party for providing that
information. Within five (5) Business Days of each Distribution Date of each year that the Trust is
subject to the Exchange Act reporting requirements, the Depositor shall make available to the Trustee
the related Significance Estimate and the Trustee shall use such information to calculate the related
Significance Percentage. If the Significance Percentage meets either of the threshold levels detailed
in Item 1115(b)(1) or 1115(b)(2) of Regulation AB, the Trustee shall deliver written notification to the
Depositor and the Cap Counterparty to that effect, which notification shall include a request that the
Cap Counterparty provide Regulation AB information to the Depositor in accordance with the related Cap
Contract. The Depositor shall request from the Cap Counterparty any information required under
Regulation AB to the extent required under the related Cap Contract. The Depositor shall be obligated
to obtain from the Cap Counterparty any information required under Regulation AB to the extent required
under the related Cap Contract and to provide to the Trustee any information that may be required to be
included in any Form 10-D, Form 8-K or Form 10-K relating to the related Cap Contract or written
notification instructing the Trustee that such Additional Disclosure regarding the Cap Counterparty is
not necessary for such Distribution Date. The Servicer shall be responsible for determining the pool
concentration applicable to any subservicer or originator at any time.
(v) (A) On or prior to January 30 of the first year in which the Trustee is
able to do so under applicable law, the Trustee 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 Trustee 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 Trustee will immediately notify the Depositor
and the Servicer. In the case of Form 10-D and 10-K, the Depositor, Servicer and Trustee will 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 Trustee 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 due to any Additional Disclosure items, the Trustee will notify the Depositor and the
Servicer and such parties will cooperate to prepare any necessary 8-KA, 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 a senior officer of the
Servicer in charge of the servicing function. The Depositor and Servicer acknowledge that the
performance by the Trustee of its duties under this Section 3.18(a)(vi) 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 Servicer and the Depositor timely performing their duties under this Section.
The Trustee shall have no liability for any loss, expense, damage or 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 Forms 8-K, 10-D or 10-K, where such failure results from the Trustee's inability or
failure to receive, on a timely basis, any information from any other party hereto needed to prepare,
arrange for execution or file such Form 15, Form 12b-25 or any amendments to Forms 8-K, 10-D or 10-K,
not resulting from its own negligence, bad faith or willful misconduct.
The Depositor agrees to promptly furnish to the Trustee, 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 Trustee reasonably deems appropriate to prepare and file all
necessary reports with the Commission. The Trustee shall have no responsibility to file any items other
than those specified in this Section 3.18; provided, however, the Trustee will 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 Trustee in connection with
this Section 3.18 shall not be reimbursable from the Trust Fund.
(c) In connection with the filing of any Form 10-K hereunder, the Trustee shall sign a
certification (a "Form of Back-Up Certification for Form 10-K Certificate," substantially in the form
attached hereto as Exhibit Q-2) for the Depositor regarding certain aspects of the Form 10-K
certification signed by the Servicer, provided, however, that the Trustee shall not be required to
undertake an analysis of any accountant's report attached as an exhibit to the Form 10-K.
(d) The Trustee shall indemnify and hold harmless the Depositor and the Servicer and their
respective officers, directors and affiliates from and against any losses, damages, penalties, fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and
expenses arising out of or based upon a breach of the Trustee's obligations under Section 3.17 and
Section 3.18 or the Trustee's negligence, bad faith or willful misconduct in connection therewith.
The Depositor shall indemnify and hold harmless the Trustee and the Servicer and their
respective officers, directors and affiliates from and against any losses, damages, penalties, fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and
expenses arising out of or based upon a breach of the obligations of the Depositor under Section 3.16,
Section 3.17 and Section 3.18 or the Depositor's negligence, bad faith or willful misconduct in
connection therewith.
The Servicer shall indemnify and hold harmless the Trustee and the Depositor and their
respective officers, directors and affiliates from and against any losses, damages, penalties, fines,
forfeitures, reasonable and necessary legal fees and related costs, judgments and other costs and
expenses arising out of or based upon a breach of the obligations of the Servicer under this Section
3.18 or the Servicer's negligence, bad faith or willful misconduct in connection therewith.
If the indemnification provided for herein is unavailable or insufficient to hold harmless the
Trustee, the Depositor or the Servicer, as applicable, then the defaulting party, in connection with a
breach of its respective obligations under this Section 3.18 or its respective negligence, bad faith or
willful misconduct in connection therewith, 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.
(e) Nothing shall be construed from the foregoing subsections (a), (b) and (c) to require
the Trustee or any officer, director or Affiliate thereof to sign any Form 10-K or any certification
contained therein. Furthermore, the inability of the Trustee to file a Form 10-K as a result of the
lack of required information as set forth in Section 3.16(a) or required signatures on such Form 10-K or
any certification contained therein shall not be regarded as a breach by the Trustee of any obligation
under this Agreement.
Failure of the Servicer to comply with this Section 3.18 (including with respect to the
timeframes required in this Section) shall be deemed an Event of Default, and the Trustee at the
direction of the Depositor shall, in addition to whatever rights the Trustee may have under this
Agreement and at law or equity or to damages, including injunctive relief and specific performance, upon
notice immediately 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. This
paragraph shall supercede any other provision in this Agreement or any other agreement to the contrary.
(f) Notwithstanding the provisions of Section 11.02, this Section 3.18 may be amended
without the consent of the Certificateholders.
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, the Company 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 the Company deposits, or remits to the Servicer (to the extent it is
not the Servicer) for deposit, in the Custodial Account the amount of the Repurchase Price for a
Mortgage Loan and the Company provides to the Trustee a certification signed by a Servicing Officer
stating that the amount of such payment has been deposited in the Custodial Account, then the Trustee
shall execute the assignment of such Mortgage Loan to the Company at the request of the Company without
recourse, representation or warranty and the Company 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. The Company 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. Books and Records.
(a) 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 Loans by the Trust. In particular, the
Servicer shall maintain in its possession, available for inspection by the Trustee and shall deliver to
the Trustee upon demand, evidence of compliance with all federal, state and local laws, rules and
regulations. 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
Accepted Servicing Practices.
(b) The Servicer shall maintain with respect to each Mortgage Loan and shall make
available for inspection by the Trustee the related servicing file during the time such Mortgage Loan is
subject to this Agreement and thereafter in accordance with applicable law.
(c) Payments on the Mortgage Loans, including any payoffs, made in accordance with the
related Mortgage File will be entered in the Servicer's set of books and records no more than two
Business Days after receipt and identification, and allocated to principal or interest as specified in
the related Mortgage File.
Section 3.22. Intention of the Parties and Interpretation.
Each of the parties acknowledges and agrees that the purpose of Sections 3.16, 3.17 and 3.18 of
this Agreement is to facilitate compliance by the Sponsor, the Trustee and the Depositor 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 in writing, as agreed to and executed by the
parties hereto, 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 Sponsor, the Trustee or the Depositor for delivery of additional or
different information as the Sponsor, the Trustee or the Depositor may determine in good faith is
necessary to comply with the provisions of Regulation AB, and (d) no amendment of this Agreement shall
be required to effect any such changes in the parties' obligations as are necessary to accommodate
evolving interpretations of the provisions of Regulation AB.
ARTICLE IV
Accounts
Section 4.01. Custodial Account. (a) 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 held in trust for the
Certificateholders. Each Custodial Account shall be an Eligible Account. The Custodial Account shall
be maintained as a segregated account, separate and apart from trust funds created for mortgage
pass-through certificates of other series, and the other accounts of the Servicer. Each Custodial Account
shall be reconciled within 45 days after each bank statement cut-off date.
Within two Business Days of receipt and identification, except as otherwise specifically provided
herein, the Servicer shall deposit or cause to be deposited the following payments and collections
remitted by subservicers or received by it in respect of the Mortgage Loans subsequent to the Cut-off
Date (other than in respect of principal and interest due on such Mortgage Loans on or before the
Cut-off Date) and the following amounts required to be deposited hereunder:
(i) Scheduled Payments on the Mortgage Loans received or any related portion
thereof advanced by the Servicer which were due during or before the related Due Period, net of the
amount thereof comprising the Servicing Fee;
(ii) Full Principal Prepayments, Subsequent Recoveries and any Liquidation Proceeds
received by the Servicer with respect to the Mortgage Loans in the related Prepayment Period, with
interest to the date of prepayment or liquidation, net of the amount thereof comprising the Servicing
Fee;
(iii) Partial Principal Prepayments received by the Servicer for the Mortgage Loans
in the related Prepayment Period;
(iv) Any Monthly Advance and any Compensating Interest Payments;
(v) Any Insurance Proceeds or Net Liquidation Proceeds received by or on behalf of
the Servicer;
(vi) The Repurchase Price with respect to any Mortgage Loans purchased by the
Sponsor 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 Sponsor, the Repurchase Price with
respect to any Mortgage Loans purchased 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;
(vii) Any amounts required to be deposited with respect to losses on investments of
deposits in an Account;
(viii) Any amounts received by the Servicer in connection with any Prepayment Charge
on the Prepayment Charge Loans; and
(ix) Any other amounts received by or on behalf of the Servicer and required to be
deposited in the Custodial Account pursuant to this Agreement.
(b) All amounts deposited to the Custodial Account shall be held by the Servicer in the
name of the Trustee in trust for the benefit of the Certificateholders and the Certificate Insurer in
accordance with the terms and provisions of this Agreement. The requirements for crediting the Custodial
Account or 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) 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 Sections 4.04(a)(i) through (iv) and (vi) through (xi)
with respect to the Trustee and the Servicer, need not be credited by the Servicer to the Distribution
Account or the Custodial Account, as applicable. Amounts received by the Servicer in connection with
Prepayment Charges on the Prepayment Charge Loans shall be remitted by the Servicer to the Trustee and
deposited by the Trustee into the Class XP Reserve Account upon receipt thereof. In the event that the
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 Servicer, shall promptly transfer such amount to the Servicer, any provision herein to
the contrary notwithstanding.
(c) The amount at any time credited to the Custodial Account may be invested, in the name
of the Trustee, or its nominee, for the benefit of the Certificateholders and the Certificate Insurer,
in Permitted Investments as directed by the Servicer. All Permitted Investments shall mature or be
subject to redemption or withdrawal on or before, and shall be held until, the next succeeding
Distribution Account Deposit Date. Any and all investment earnings on amounts on deposit in the
Custodial Account from time to time shall be for the account of the Servicer. The Servicer from time to
time shall be permitted to withdraw or receive distribution of any and all investment earnings from the
Custodial Account. The risk of loss of moneys required to be distributed to the Certificateholders
resulting from such investments shall be borne by and be the risk of the Servicer. The Servicer shall
deposit the amount of any such loss in the Custodial Account within two Business Days of receipt of
notification of such loss but not later than the second Business Day prior to the Distribution Date on
which the moneys so invested are required to be distributed to the Certificateholders.
Section 4.02. Permitted Withdrawals and Transfers from the Custodial Account.
(a) The Servicer will, from time to time on demand of the Trustee, make or cause to be made such
withdrawals or transfers from the Custodial Account as the Servicer has designated for such transfer or
withdrawal pursuant to this Agreement. The Servicer may clear and terminate the Custodial Account
pursuant to Section 10.01 and remove amounts from time to time deposited in error.
(b) On an ongoing basis, the Servicer shall withdraw from the Custodial Account (i) any
expenses recoverable by the Trustee, the Servicer or the Custodian pursuant to Sections 3.03, 7.04 and
9.05 and (ii) any amounts payable to the Servicer as set forth in Section 3.14.
(c) In addition, on or before each Distribution Account Deposit Date, the Servicer shall
deposit in the Distribution Account (or remit to the Trustee for deposit therein) any Monthly Advances
required to be made by the Servicer with respect to the Mortgage Loans.
(d) No later than 3:00 p.m. New York time on each Distribution Account Deposit Date, the
Servicer will transfer all Available Funds on deposit in the Custodial Account with respect to the
related Distribution Date to the Trustee for deposit in the Distribution Account.
(e) With respect to any remittance received by the Trustee after the Distribution Account
Deposit Date on which such payment was due, the Servicer shall pay to the Trustee interest on any such
late payment at an annual rate equal to the Prime Rate, adjusted as of the date of each change of the
Prime Rate, plus two percentage points, but in no event greater than the maximum amount permitted by
applicable law. Such interest shall be remitted to the Trustee by the Servicer on the date such late
payment is made and shall cover the period commencing with such Distribution Account Deposit Date and
ending with the Business Day on which such payment is made, both inclusive. 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 4.03. Distribution Account. (a) The Trustee shall establish and maintain in the
name of the Trustee, for the benefit of the Certificateholders and the Certificate Insurer, the
Distribution Account as a segregated trust account or accounts. The Trustee shall deposit into the
Distribution Account all amounts in respect to Available Funds received by it from the Servicer.
(b) All amounts deposited to the Distribution Account shall be held by the Trustee in
trust for the benefit of the Certificateholders and the Certificate Insurer in accordance with the terms
and provisions of this Agreement.
(c) The Distribution Account shall constitute a trust account of the Trust Fund segregated
on the books of the Trustee and held by the Trustee 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 Trustee (whether made
directly, or indirectly through a liquidator or receiver of the Trustee). The Distribution Account
shall be an Eligible Account. The amount at any time credited to the Distribution Account may be
invested in the name of the Trustee in Permitted Investments selected by the Trustee. 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 Trustee
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 Trustee. The Trustee shall be permitted to
withdraw or receive distribution of any and all investment earnings from the Distribution Account on
each Distribution Date. If there is any loss on a Permitted Investment, the Trustee shall deposit the
amount of such loss for deposit in the Distribution Account. With respect to the Distribution Account
and the funds deposited therein, the Trustee shall take such action as may be necessary to ensure that
the Certificateholders shall be entitled to the priorities afforded to such a trust account (in addition
to a claim against the estate of the Trustee) as provided by 12 U.S.C. § 92a(e), and applicable
regulations pursuant thereto, if applicable, or any applicable comparable state statute applicable to
state chartered banking corporations.
Section 4.04. Permitted Withdrawals and Transfers from the Distribution Account.
(a) The Trustee will, from time to time on demand of the Servicer, make or cause to be made such
withdrawals or transfers from the Distribution Account as the Servicer has designated for such transfer
or withdrawal pursuant to this Agreement or as the Trustee deems necessary for the following purposes
(limited in the case of amounts due the Servicer to those not withdrawn from the Custodial Account in
accordance with the terms of this Agreement):
(i) to reimburse itself or the Servicer for any Monthly Advance of its own funds,
the right of the Trustee or the Servicer to reimbursement pursuant to this subclause (i) being limited
to amounts received on a particular Mortgage Loan (including, for this purpose, the Repurchase Price
therefor, Insurance Proceeds and Liquidation Proceeds) which represent late payments or recoveries of
the principal of or interest on such Mortgage Loan with respect to which such Monthly Advance was made;
(ii) to reimburse the Servicer from Insurance Proceeds or Liquidation Proceeds
relating to a particular Mortgage Loan for amounts expended by the Servicer in good faith in connection
with the restoration of the related Mortgaged Property which was damaged by an Uninsured Cause or in
connection with the liquidation of such Mortgage Loan;
(iii) to reimburse the Servicer from Insurance Proceeds relating to a particular
Mortgage Loan for insured expenses incurred with respect to such Mortgage Loan and to reimburse the
Servicer from Liquidation Proceeds from a particular Mortgage Loan for Liquidation Expenses incurred
with respect to such Mortgage Loan; provided that the Servicer shall not be entitled to reimbursement
for Liquidation Expenses with respect to a Mortgage Loan to the extent that (i) any amounts with respect
to such Mortgage Loan were paid as Excess Liquidation Proceeds pursuant to clause (x) of this Section
4.04(a) to the Servicer; and (ii) such Liquidation Expenses were not included in the computation of such
Excess Liquidation Proceeds;
(iv) to pay the Servicer, from Liquidation Proceeds or Insurance Proceeds received
in connection with the liquidation of any Mortgage Loan, the amount which the Servicer would have been
entitled to receive under clause (ix) of this Section 4.04(a) as servicing compensation on account of
each defaulted scheduled payment on such Mortgage Loan if paid in a timely manner by the related
Mortgagor;
(v) to pay the Servicer from the Repurchase Price for any Mortgage Loan, the
amount which the Servicer would have been entitled to receive under clause (ix) of this Section 4.04(a)
as servicing compensation;
(vi) to reimburse the Servicer for advances of funds (other than Monthly Advances)
made with respect to the Mortgage Loans, and the right to reimbursement pursuant to this clause 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;
(vii) to reimburse the Trustee or the Servicer for any Nonrecoverable Advance that
has not been reimbursed pursuant to clauses (i) and (vi);
(viii) to pay the Servicer as set forth in Section 3.14;
(ix) to reimburse the Servicer for expenses, costs and liabilities incurred by and
reimbursable to it pursuant to Sections 3.03, 7.04(c) and (d);
(x) to pay to the Servicer, as additional servicing compensation, any Excess
Liquidation Proceeds;
(xi) to reimburse the Trustee or the Custodian for expenses, costs and liabilities
incurred by or reimbursable to it pursuant to this Agreement;
(xii) to pay itself the Trustee Fee set forth in Section 9.05;
(xiii) to pay the Certificate Insurer its Aggregate Premium Amount;
(xiv) to remove amounts deposited in error; and
(xv) to clear and terminate the Distribution Account pursuant to Section 10.01.
(b) The Servicer shall keep and maintain separate accounting, on a Mortgage Loan by
Mortgage Loan basis and shall provide a copy to the Trustee, for the purpose of accounting for any
reimbursement from the Distribution Account pursuant to clauses (i) through (vi) and (vii) or with
respect to any such amounts which would have been covered by such clauses had the amounts not been
retained by the Servicer without being deposited in the Distribution Account under Section 4.01(b).
(c) On each Distribution Date, the Trustee shall distribute the Available Funds to the
extent on deposit in the Distribution Account to the Holders of the related Certificates in accordance
with Section 6.01.
Section 4.05. Reserved.
Section 4.06. Statements to the Trustee.
The Servicer shall furnish to the Trustee 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 Trustee no later than the 10th calendar day of the month of
the related Distribution Date (or December 10, 2006, in the case of the initial Report) a report in an
Excel (or compatible) electronic format (that can be downloaded into a Sybase database), in such format
as may be mutually agreed upon by both the Trustee and the Servicer, and in hard copy, which Report
shall contain the following:
(i) with respect to each Monthly Payment received or advanced during the related
Due Period, the amount of such remittance allocable to interest and to principal; the amount of
Principal Prepayments and prepayment penalties received during the related Prepayment Period;
(ii) the amount of Servicing Compensation received by the Servicer during the prior
Due 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 data as may reasonably be required by the Trustee in order to make
distributions to the Certificateholders on such Distribution Date.
The Servicer shall also provide with each such Report a trial balance, sorted in the
Trustee's assigned loan number order, and such other loan level information as described on Exhibits K
and L, in electronic tape form.
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 the Trustee pursuant to any
applicable law with respect to the Mortgage Loans and the transactions contemplated hereby. In
addition, the Servicer shall provide the Trustee with such information concerning the Mortgage Loans as
is necessary for the Trustee to prepare the Trust's income tax returns as the Trustee may reasonably
request from time to time.
Section 4.07. Certificate Insurance Policy.
(a) On or prior to the Closing Date, the Trustee shall cause to be established and maintained
the Policy Account, into which amounts received by the Trustee pursuant to the Certificate Insurance
Policy shall be deposited for the benefit of the Class A-2 Certificates. The Policy Account may be a
sub-account of the Distribution Account. Amounts on deposit in the Policy Account shall not be invested
and shall not be held in an interest-bearing account.
(b) As soon as possible, and in no event later than 12:00 noon New York time on the second
Business Day immediately preceding any Distribution Date, the Trustee shall furnish the Certificate
Insurer and the Servicer with a completed Notice in the form set forth as Exhibit A to the Endorsement
to the Certificate Insurance Policy in the event that the related Principal Funds or Interest Funds
(other than any amounts in respect of Insured Amounts) are insufficient to pay Current Interest and any
Interest Carry Forward Amounts (net of any Prepayment Interest Shortfalls, Basis Risk Shortfalls or any
shortfalls resulting from Net Deferred Interest or from the application of the Relief Act or similar
state laws, allocated to the Class A-2 Certificates) with respect to the Class A-2 Certificateholders,
on such Distribution Date; provided, however, that if such Distribution Date is the Final Distribution
Date, the Notice shall also include the outstanding Current Principal Amount of the Class A-2
Certificates, after giving effect to all payments of principal on the Class A-2 Certificates on such
Final Distribution Date, other than pursuant to the Certificate Insurance Policy. The Notice shall
specify the amount of the Insured Amount and shall constitute a claim for an Insured Amount pursuant to
the Certificate Insurance Policy.
(c) Upon receipt of an Insured Amount in accordance with the Certificate Insurance Policy
from the Certificate Insurer on behalf of the Holders of the Insured Certificates, the Trustee shall
deposit such Insured Amount into the Policy Account. On or prior to each Distribution Date, the Trustee
shall transfer amounts on deposit in the Policy Account to the Distribution Account and shall distribute
such Insured Amounts pursuant to Section 6.01.
The Trustee shall include on each Distribution Date any Insured Amounts received by it from or
on behalf of the Certificate Insurer for such Distribution Date (i) in the amount distributed to the
Holders of the Insured Certificates pursuant to Section 6.01(a) and (ii) in the amount deemed to have
been distributed to the Class A-2 regular interests and deposited for their benefit into the
Distribution Account. If on any Distribution Date the Trustee determines that the Certificate Insurer
has paid more under the Certificate Insurance Policy than is required by the terms thereof, the Trustee
shall promptly return any excess to the Certificate Insurer.
(d) (i) The Trustee shall receive as attorney-in-fact of the Holders of the Insured
Certificates any Insured Amount delivered to it by the Certificate Insurer for payment to such Holders
and (ii) the Trustee shall distribute such Insured Amount to such Holders as set forth in Section 6.01.
Insured Amounts disbursed by the Paying Agent from proceeds of the Certificate Insurance Policy shall
not be considered payment by the Trust Fund with respect to the Insured Certificates, nor shall such
disbursement of Insured Amounts discharge the obligations of the Trust Fund with respect to the amounts
thereof, and the Certificate Insurer shall become owner of such amounts to the extent covered by such
Insured Amounts as the deemed assignee of such Holders. The Trustee hereby agrees on behalf of the
Holders of the Insured Certificates (and each such Holder, by its acceptance of its Insured
Certificates, hereby agrees) for the benefit of the Certificate Insurer that, to the extent the
Certificate Insurer pays any Insured Amount, either directly or indirectly (as by paying through the
Trustee), to the Holder of an Insured Certificate, the Certificate Insurer will be entitled to be
subrogated to any rights of such Holder to receive the amounts for which such Insured Amount was paid,
to the extent of such payment, and will be entitled to receive the Reimbursement Amount as set forth in
Section 6.01.
(e) At the end of the Term of the Certificate Insurance Policy (as defined in the
Certificate Insurance Policy), the Trustee shall return the Certificate Insurance Policy to the
Certificate Insurer for cancellation.
(f) Upon its becoming aware of the occurrence of an Event of Default hereunder, the
Trustee shall promptly notify the Certificate Insurer of such Event of Default.
(g) The Trustee shall promptly notify the Certificate Insurer of either of the following
as to which it has actual knowledge: (A) the commencement of any proceeding by or against the Depositor
commenced under the United States bankruptcy code or any other applicable bankruptcy, insolvency,
receivership, rehabilitation or similar law (an "Insolvency Proceeding") and (B) the making of any claim
in connection with any Insolvency Proceeding seeking the avoidance as a preferential transfer (a
"Preference Claim") of any distribution made with respect to the Class A-2 Certificates as to which it
has actual knowledge. Each Holder of a Class A-2 Certificate, by its purchase of Class A-2
Certificates, and the Trustee hereby agrees that the Certificate Insurer (so long as no Certificate
Insurer Default exists) may at any time during the continuation of any proceeding relating to a
Preference Claim direct all matters relating to such Preference Claim, including, without limitation,
(i) the direction of any appeal of any order relating to any Preference Claim and (ii) the posting of
any surety, supersedes or performance bond pending any such appeal. In addition and without limitation
of the foregoing, the Certificate Insurer shall be subrogated to the rights of the Trustee and each
Holder of a Class A-2 Certificate in the conduct of any Preference Claim, including, without limitation,
all rights of any party to an adversary proceeding action with respect to any court order issued in
connection with any such Preference Claim.
(h) The Servicer shall designate a "Certificate Insurer Contact Person" who shall be
available to the Certificate Insurer to provide reasonable access to information regarding the Mortgage
Loans.
(i) The Trustee shall send to the Certificate Insurer the reports prepared pursuant to
Sections 3.16 and 3.18 and the statements prepared pursuant to Section 4.06, as well as any other
statements or communications sent to Holders of the Class A-2 Certificates, in each case at the same
time such reports, statements and communications are otherwise sent.
(j) With respect to this Section 4.07, the terms "Receipt" and "Received" shall mean
actual delivery to the Certificate Insurer, if any, prior to 12:00 p.m., New York time, on a Business
Day; delivery either on a day that is not a Business Day or after 12:00 p.m., New York time, shall be
deemed to be Receipt on the next succeeding Business Day. If any notice or certificate given under the
Certificate Insurance Policy by the Trustee is not in proper form or is not properly completed, executed
or delivered, it shall be deemed not to have been Received. The Certificate Insurer shall promptly so
advise the Trustee and the Trustee may submit an amended notice.
(k) All references herein to the ratings assigned to the Class A-2 Certificates and to the
interests of any Certificateholders shall be without regard to the Certificate Insurance Policy.
Section 4.08. Reserve Fund.
(a) On or before the Closing Date, the Trustee shall establish one or more segregated
trust accounts (the "Reserve Fund") on behalf of the Holders of the Offered Certificates, Class B-5
Certificates and Class B-IO Certificates. The Reserve Fund must be an Eligible Account. The Reserve Fund
shall be entitled "Reserve Fund, Xxxxx Fargo Bank, National Association as Trustee f/b/o Holders of
Structured Asset Mortgage Investments II Inc., Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage
Pass-Through Certificates, Series 2006-AR4." The Trustee shall demand payment of all money payable by
the Cap Counterparty under each Cap Contract. The Trustee shall deposit in the Reserve Fund all Cap
Contract Payment Amounts and, prior to distribution of such amounts pursuant to Sections 6.01(a), all
payments from the Excess Cashflow described under the Ninth and Tenth clauses of Section 6.01(a). All
Cap Contract Payment Amounts received from Cap Contracts benefiting the Offered Certificateholders and
the Class B-5 Certificateholders and the amounts described in the Ninth and Tenth clauses of Section
6.01(a) deposited to the Reserve Fund shall be held by the Trustee on behalf of the Trust, in trust for
the benefit of the Offered Certificateholders and the Class B-5 Certificateholders, as applicable, and
the Class B-IO Certificateholders in accordance with the terms and provisions of this Agreement. On each
Distribution Date, the Trustee shall distribute amounts on deposit in the Reserve Fund to the Holders of
the Offered Certificates, Class B-5 Certificates and Class B-IO Certificates in accordance with the
Ninth, Tenth and Eleventh clauses of Section 6.01(a).
(b) The Reserve Fund is an "outside reserve fund" within the meaning of Treasury Regulation
Section 1.860G-2(h) and shall be an asset of the Trust Fund but not an asset of any 2006-AR4 REMIC. The
Trustee on behalf of the Trust shall be the nominal owner of the Reserve Fund. For federal income tax
purposes, the Class B-IO Certificateholders shall be the beneficial owners of the Reserve Fund, subject
to the power of the Trustee to distribute amounts under the Ninth and Tenth clauses of Section 6.01(a)
and shall report items of income, deduction, gain or loss arising therefrom. For federal income tax
purposes, amounts distributed to Certificateholders pursuant to the Ninth and Tenth clauses of
Section 6.01(a) will be treated as first distributed to the Class B-IO Certificateholders and then paid
from the Class B-IO Certificateholders to the Offered Certificateholders and the Class B-5
Certificateholders. Amounts in the Reserve Fund held in trust for the benefit of the Holders of the
Offered Certificates, the Class B-5 Certificates and Class B-IO Certificates shall, at the written
direction of the Class B-IO Certificateholders, be invested in Permitted Investments that mature no
later than the Business Day prior to the next succeeding Distribution Date. If no written direction is
received, the amounts in the Reserve Fund shall remain uninvested. Any losses on the related Permitted
Investments shall not in any case be a liability of the Trustee, but an amount equal to such losses
shall be given by the Class B-IO Certificateholders to the Trustee out of such Certificateholders' own
funds immediately as realized, for deposit by the Trustee into the Reserve Fund. To the extent that the
Class B-IO Certificateholders have provided the Trustee with such written direction to invest such funds
in Permitted Investments, on each Distribution Date the Trustee shall distribute all net income and gain
from such Permitted Investments in the Reserve Fund to the Class B-IO Certificateholders, not as a
distribution in respect of any interest in any 2006-AR4 REMIC. All monies earned on amounts on deposit
in the Reserve Fund held in trust for the benefit of the Holders of the Offered Certificates, the Class
B-5 Certificates and Class B-IO Certificates shall be taxable to the Class B-IO Certificateholders.
Section 4.09. Class XP Reserve Account. (a) The Paying Agent shall establish and maintain
with itself a separate, segregated trust account, which shall be an Eligible Account, titled "Reserve
Account, Xxxxx Fargo Bank, National Association, as Trustee for the benefit of holders of Structured
Asset Mortgage Investments II Inc., Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through
Certificates, Series 2006-AR4, Class XP." Funds on deposit in the Class XP Reserve Account shall be held
in trust by the Trustee for the holder of the Class XP Certificates. The Class XP Reserve Account will
not represent an interest in any 2006-AR4 REMIC.
(b) Any amount on deposit in the Class XP Reserve Account shall be held uninvested. On the
Business Day prior to each Distribution Date, the Trustee shall withdraw the amount then on deposit in
the Class XP Reserve Account and deposit such amount into the Distribution Account to be distributed to
the Holders of the Class XP Certificates in accordance with Section 6.01(e). In addition, on the
earlier of (x) the Business Day prior to the Distribution Date on which all the assets are repurchased
as described in Section 10.01(a), and (y) the Business Day prior to the Distribution Date occurring in
December 2009, the Trustee shall withdraw the amount on deposit in the Class XP Reserve Account and
deposit such amount into the Distribution Account and pay such amount to the Class XP Certificates in
accordance with Section 6.01(e), and following such withdrawal the Class XP Reserve Account shall be
closed.
Section 4.10. Reserved
ARTICLE V
Certificates
Section 5.01. Certificates. (a) The Depository, the Depositor and the Trustee 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
Section 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
Trustee 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 Trustee 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 Trustee 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 Trustee
cause such Class to become Global Certificates, the Trustee 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 Trustee in writing that the Depository is no
longer willing or able to properly discharge its responsibilities as Depository and (B) the Depositor is
unable to locate a qualified successor within 30 days or (ii) the Depositor at its option advises the
Trustee in writing that it elects to terminate the book-entry system through the Depository, the Trustee
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 Trustee of the Certificates by the Depository, accompanied by registration
instructions from the Depository for registration, the Trustee shall issue the definitive Certificates.
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 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 Trustee to exchange or cause the exchange
of the Certificate Owner's interest in such Class of Certificates for an equivalent interest in fully
registered definitive form. Upon receipt by the Trustee of instructions from the Depository directing
the Trustee 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 Trustee), (i) the Trustee shall
instruct the Depository to reduce the related Depository Participant's account by the aggregate Current
Principal Amount of the definitive Certificate, (ii) the Trustee shall execute and deliver, in
accordance with the registration and delivery instructions provided by the Depository, a Definitive
Certificate evidencing such Certificate Owner's interest in such Class of Certificates and (iii) the
Trustee shall execute a new Book-Entry Certificate reflecting the reduction in the aggregate Current
Principal Amount of such Class of Certificates by the amount of the definitive Certificates.
Neither the Depositor nor the Trustee shall be liable for any delay in the delivery of any
instructions required pursuant to this Section 5.01(b) and may conclusively rely on, and shall be
protected in relying on, such instructions.
(c) (i) As provided herein, the REMIC Administrator will make an election to treat the
segregated pool of assets consisting of the Mortgage Loans and certain other related assets subject to
this Agreement as a REMIC for federal income tax purposes, and such segregated pool of assets will be
designated as "REMIC I." Component I of the Class R Certificates will represent the sole Class of
"residual interests" in REMIC I for purposes of the REMIC Provisions (as defined herein) under federal
income tax law. The following table irrevocably sets forth the designation, pass-through rate (the
"Uncertificated REMIC I Pass-Through Rate") and initial Uncertificated Principal Balance for each of the
"regular interests" in REMIC I (the "REMIC I Regular Interests"). None of the REMIC I Regular Interests
will be certificated.
Uncertificated
REMIC I Pass-Through Initial Uncertificated
Class Designation for each REMIC I Interest Rate Principal Balance
______________________________________________________________________________________________________
LT1 Variable(1) $510,572,544.05
LT2 Variable(1) $16,643.21
LT3 0.00% $34,422.59
LT4 Variable(1) $34,422.59
Component I of the Class R N/A N/A
(1) Calculated as provided in the definition of Uncertificated REMIC I Pass-Through Rate.
(ii) As provided herein, the REMIC Administrator will make an election to treat the
segregated pool of assets consisting of the REMIC I Regular Interests and any proceeds thereof as a
REMIC for federal income tax purposes, and such segregated pool of assets will be designated as
"REMIC II." Component II of the Class R Certificates will represent the sole class of "residual
interests" in REMIC II for purposes of the REMIC Provisions under federal income tax law. The following
table irrevocably sets forth the designation, the Pass-Through Rate for the Class of Certificates
bearing the same designation (which is the Uncertificated REMIC II Pass-Through Rate) and initial
principal amount or Uncertificated Principal Balance for each of the "regular interests" in REMIC II
(the "REMIC II Regular Interests"). For federal income tax purposes, payment of (i) any Basis Risk
Shortfall or Basis Risk Shortfall Carry Forward Amount to any Class of Certificates and (ii) any amounts
to the Class XP Certificates (which shall not be treated as an interest in any REMIC, but as a
pass-through interest in the Trust entitled to any prepayment penalties payable with respect to the
Mortgage Loans) shall be treated as paid outside of any REMIC formed under this Agreement and shall not
be part of the entitlement of the REMIC II Regular Interest the ownership of which is represented by the
Class of Certificates receiving such payment. REMIC II Regular Interests B-IO-I and B-IO-P will not be
certificated.
The Classes of the Certificates shall have the following designations, initial principal
amounts and Pass-Through Rates:
Designation Initial Principal Pass-Through Rate
_________________________________________________________________________________________
A-1 $275,449,000.00 (1)
A-2 $183,632,000.00 (1)
B-1 $18,384,000.00 (1)
B-2 $9,957,000.00 (1)
B-3 $6,383,000.00 (1)
B-4 $2,809,000.00 (1)
B-5 $10,213,000.00 (1)
XP N/A (2)
B-IO $3,831,032.44 (3)
Component II of the Class R N/A N/A
_____________________
(1) The Class A-1, Class A-2, Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates
will bear interest at a pass-through rate equal to the least of (i) One-Month LIBOR plus the
related Margin, (ii) 10.50% per annum and (iii) the Net Rate Cap.
(2) The Class XP Certificates will not bear any interest. The Class XP Certificates will be entitled to
receive Prepayment Charges collected with respect to the Prepayment Charge Loans. The Class XP
Certificates will not represent an interest in any REMIC, they will instead represent an interest
in the Trust constituted by this Agreement that is a strip of Prepayment Charges associated with
the Prepayment Charge Loans.
(3) The Class B-IO Certificates will bear interest at a per annum rate equal to the Class B-IO
Pass-Through Rate on the Notional Amount. Amounts paid, or deemed paid, to the Class B-IO
Certificates shall be deemed to first be paid to REMIC II Regular Interest B-IO-I in reduction of
accrued and unpaid interest thereon until such accrued and unpaid interest shall have been reduced
to zero and shall then be deemed paid to REMIC II Regular Interest B-IO-P in reduction of the
principal balance thereof.
(ii) As provided herein, the REMIC Administrator will make an election to treat the
segregated pool of assets consisting of REMIC II Regular Interests B-IO-I and B-IO-P and any proceeds
thereof as a REMIC for federal income tax purposes, and such segregated pool of assets will be
designated as "REMIC III." The Class R-X Certificates will represent the sole Class of "residual
interests" in REMIC III for purposes of the REMIC Provisions under federal income tax law. The following
table irrevocably sets forth the designation, Uncertificated Pass-Through Rate and initial
Uncertificated Principal Balance for the single "regular interest" in REMIC III (the "REMIC III Regular
Interest").
Class Designation for each Uncertificated REMIC III Initial Uncertificated
REMIC III Interest Pass-Through Rate Principal Balance
______________________________________________________________________________________________________________
B-IO (1) $3,831,032.44
Class R-X N/A N/A
(1) The Class B-IO Certificates will bear interest at a per annum rate equal to the Class B-IO
Pass-Through Rate on the Notional Amount. The REMIC III Regular Interest will not have an
Uncertificated Pass-Through Rate, but will be entitled to 100% of all amounts distributed or deemed
distributed on REMIC II Regular Interests B-IO-I and B-IO-P.
(d) Solely 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, REMIC II Regular Interests, the REMIC III Regular Interest and the 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
Class of Class A Certificates and Class B Certificates, interest shall be calculated on the basis of a
360-day year and the actual number of days elapsed, in each case, based upon the respective Pass-Through
Rate set forth, or determined as provided, above and the Current Principal Amount 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,
X-0, X-0, X-0 and A-8. On original issuance, the Trustee shall sign, countersign and shall deliver them
at the direction of the Depositor. Pending the preparation of definitive Certificates of any Class, the
Trustee 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 Trustee,
without charge to the Holder. Upon surrender for cancellation of any one or more temporary
Certificates, the Trustee 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, $25,000 and 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 Trustee 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 (other than the Residual Certificates) shall be issued in
certificated fully-registered form in minimum dollar denominations of $25,000 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 Class of Global Certificates, if any, shall
be issued in fully registered form in minimum dollar denominations of $50,000 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 Trustee 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 Trustee 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
Trustee or its agent. A Certificate bearing the manual and facsimile signatures of individuals who were
the authorized signatories of the Trustee or its agent at the time of issuance shall bind the Trustee,
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
Trustee 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 2006-AR4 REMIC
within the meaning of Section 860G(a)(9) of the Code.
(j) For federal income tax purposes, each 2006-AR4 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 2006-AR4 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:
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED
TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE SERVICER AND THE TRUSTEE THAT (1) SUCH
TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY
POSSESSION OF THE UNITED STATES, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING
(OTHER THAN AN INSTRUMENTALITY WHICH IS A CORPORATION IF ALL OF ITS ACTIVITIES ARE SUBJECT TO
TAX AND EXCEPT FOR XXXXXXX MAC, A MAJORITY OF ITS BOARD OF DIRECTORS IS NOT SELECTED BY SUCH
GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR
INSTRUMENTALITY OF EITHER OF THE FOREGOING, (C) ANY ORGANIZATION (OTHER THAN CERTAIN FARMERS'
COOPERATIVES DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY
CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF
THE CODE (INCLUDING THE TAX IMPOSED BY SECTION 511 OF THE CODE ON UNRELATED BUSINESS TAXABLE
INCOME), (D) RURAL ELECTRIC AND TELEPHONE COOPERATIVES DESCRIBED IN SECTION 1381(a)(2)(C) OF
THE CODE, (E) AN ELECTING LARGE PARTNERSHIP UNDER SECTION 775(a) OF THE CODE (ANY SUCH PERSON
DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C), (D) OR (E) BEING HEREIN REFERRED TO AS A
"DISQUALIFIED ORGANIZATION"), OR (F) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) 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.
Section 5.02. Registration of Transfer and Exchange of Certificates. (a) The Trustee shall
maintain at its Corporate Trust Office a Certificate Register in which, subject to such reasonable
regulations as it may prescribe, the Trustee shall provide for the registration of Certificates and of
transfers and exchanges of Certificates as herein provided.
(b) Subject to Section 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 Trustee maintained for such purpose, the
Trustee 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 a Private Certificate or a Residual Certificate, whether upon
original issuance or subsequent transfer, each holder of such 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 Section 5.02(h), the
following restrictions shall apply with respect to the transfer and registration of transfer of an
Private Certificate or a Residual Certificate to a transferee that takes delivery in the form of an
Individual Certificate:
(i) The Trustee shall register the transfer of an Individual Certificate if the
requested transfer is being made to a transferee who has provided the Trustee with a Rule 144A
Certificate or comparable evidence as to its QIB status.
(ii) The Trustee shall register the transfer of any Individual Certificate if (x)
the transferor has advised the Trustee in writing that the Certificate is being transferred to an
Institutional Accredited Investor along with facts surrounding the transfer as set forth in Exhibit F-1
hereto; and (y) prior to the transfer the transferee furnishes to the Trustee an Investment Letter (and
the Trustee shall be fully protected in so doing), provided that, if based upon an Opinion of Counsel
addressed to the Trustee 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 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 an
Individual Certificate as shall be set forth in such Opinion of Counsel.
(d) 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 Section 5.02(h), the
rules of the Depository and the following:
(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 Trustee shall register such transfer
only upon compliance with the provisions of Section 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 Trustee shall register such transfer only
upon compliance with the provisions of Section 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 Trustee shall register such transfer if the transferee has provided the Trustee 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 Section 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 Section 5.02(h), the rules of the Depository and the following:
(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 Trustee 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 Trustee 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) or
any integral multiple of $1.00 in excess thereof) by surrendering such Certificate at the Corporate
Trust Office of the Trustee, or at the office of any transfer agent, together with an executed
instrument of assignment and transfer satisfactory in form and substance to the Trustee 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 Trustee 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 Trustee shall, within five (5) Business Days of such request made at the
Corporate Trust Office of the Trustee, sign, countersign and deliver at the Corporate Trust Office of
the Trustee, 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
of the Trustee 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 of the Trustee;
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 Trustee shall sign and
countersign and the Trustee shall deliver the Certificates which the Certificateholder making the
exchange is entitled to receive.
(j) If the Trustee 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 Trustee, 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
Trustee 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 Trustee 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.
(m) Notwithstanding anything to the contrary contained herein, the Trustee shall not permit
the transfer of a beneficial interest in a Class B-IO Certificate unless the transferee executes and
delivers to the Trustee any certification that is required pursuant to Section 9.12(f) prior to the
transfer.
Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (a) If (i) any mutilated
Certificate is surrendered to the Trustee, or the Trustee receives evidence to its satisfaction of the
destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee such security
or indemnity as it may require to save it harmless, and (iii) the Trustee has not received notice that
such Certificate has been acquired by a third Person, the Trustee 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 Trustee 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 Trustee 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 Trustee)
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 Trustee, the Certificate Insurer (with respect to the
Insured Certificates for the Term of the Policy) and any agent of the Depositor, the Certificate Insurer
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 Trustee nor any agent of the Depositor 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 Sponsor, which cannot be unreasonably withheld. As a prerequisite to such
consent, the proposed transferee must provide the Tax Matters Person, the Sponsor and the Trustee with
an affidavit that the proposed transferee is a Permitted Transferee (and, unless the Tax Matters Person
and the Sponsor consent to the transfer to a person who is not a U.S. Person, an affidavit that it is a
U.S. Person) as provided in Section 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, the proposed transferee (including the initial purchasers thereof) delivers to the
Tax Matters Person, the Trustee 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. 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 Section 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 Section 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 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 Section 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 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 Section 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 Section 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 2006-AR4 REMIC to fail
to qualify as a REMIC.
(c) The Class R-X Certificates (including a beneficial interest therein) and, unless the
Tax Matters Person shall have consented in writing (which consent may be withheld in the Tax Matters
Person's sole discretion), the Class R 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 if it is the Holder of the largest percentage interest of such Certificate, and appoints the
Trustee 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. Except with respect
to (i) the initial transfer of the Class XP Certificates or Class R-X Certificates on the Closing Date,
(ii) the transfer of the NIM Securities to the NIM Issuer or the NIM Trustee, or (iii) a transfer of the
Class XP Certificate or Class R-X Certificates to the Depositor or any Affiliate of the Depositor, in
the event that a transfer of a Certificate which is a Physical Certificate is to be made in reliance
upon an exemption from the Securities Act and applicable state securities laws, in order to assure
compliance with the Securities Act and such laws, and the prospective transferee (other than the
Depositor) of such Certificate signs and delivers to the Trustee 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 Trustee may require an Opinion of Counsel addressed to the Trustee 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 that is subject to Title I of ERISA or
Section 4975 of the Code (a "Plan"), or by a person using "plan assets" of a Plan, unless the proposed
transferee provides the Trustee, with an Opinion of Counsel addressed to the Servicer and the Trustee
(upon which they may rely) that is satisfactory to the Trustee, which opinion will not be at the expense
of the Servicer or the Trustee, 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 Servicer or the Trustee
to any obligation in addition to those undertaken in this Agreement.
(b) Unless such Person has provided an Opinion of Counsel in accordance with Section
5.07(a), 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, and any Person
acquiring an interest in a Private Certificate in definitive form shall represent in writing to the
Trustee, that it is not acquiring an interest in such Certificate directly or indirectly by, or on
behalf of, or with "plan assets" of, any Plan.
(c) Each beneficial owner of a Class B-1, Class B-2, Class B-3 or Class B-4 Certificate or
any interest therein shall be deemed to have represented, by virtue of its acquisition or holding of
that certificate or 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) such Certificate is
rated at least "BBB-" or its equivalent by Fitch, S&P or Xxxxx'x, (ii) such beneficial owner is not a
Plan or investing with "plan assets" of any Plan, 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 Servicer nor the Trustee 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 in any of Section (a) through
(d) 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 and the Servicer from and against any
and all liabilities, claims, costs or expenses incurred by the Trustee or the Servicer as a result of
such attempted or purported transfer. The Trustee shall have no liability for transfer of any such
Global Certificates in or through book-entry facilities of any Depository or between or among Depository
Participants or Certificate Owners made in violation of the transfer restrictions set forth herein.
Section 5.08. Rule 144A Information. For so long as any Private Certificates are
outstanding, (1) the Sponsor will provide or cause to be provided to any holder of such Private
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 Sponsor 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 Private
Certificates conducted in accordance with Rule 144A.
ARTICLE VI
Payments to Certificateholders
Section 6.01. Distributions on the Certificates. (a) On each Distribution Date, an amount
equal to the Interest Funds and Principal Funds for such Distribution Date shall be withdrawn by the
Trustee from the Distribution Account to the extent of funds on deposit therein and distributed for such
Distribution Date, in the following order of priority:
First, from Interest Funds, to pay any accrued and unpaid interest on the Offered Certificates
and the Class B-5 Certificates in the following order of priority:
1. first, to each Class of Class A Certificates, the Current Interest and then
any Interest Carry Forward Amount for each such Class, pro rata, based on the Current Interest
and Interest Carry Forward Amount due to each such Class and second, to the Certificate
Insurer, any accrued and unpaid Reimbursement Amounts payable to the Certificate Insurer for
that Distribution Date in respect of any Deficiency Amount described in clauses (a)(1) or
(b)(x) of such definition;
2. to the Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates,
sequentially, in that order, the Current Interest for each such Class of Certificates;
3. any Excess Spread to the extent necessary to meet a level of
overcollateralization equal to the Overcollateralization Target Amount will be the Extra
Principal Distribution Amount and will be included as part of the Principal Distribution Amount
and distributed in accordance with Second (A) and (B) below; and
4. any remaining Excess Spread will be the Remaining Excess Spread and will be
applied, together with the Overcollateralization Release Amount, as Excess Cashflow pursuant to
clauses Third through Fourteenth below.
Second, to pay as principal on the Class A Certificates and Class B Certificates, in the
following order of priority:
(A) For each Distribution Date (i) prior to the Stepdown Date or (ii) on which a Trigger
Event is in effect, from the Principal Distribution Amount for such Distribution Date:
1. to each Class of Class A Certificates on a pro rata basis until the Current
Principal Amount of each such Class is reduced to zero and second, to the Certificate Insurer,
any accrued and unpaid Reimbursement Amounts payable to the Certificate Insurer for that
Distribution Date in respect of any Deficiency Amount described in clauses (a)(2) or (b) (y) of
such definition, but only to the extent of the portion of Subsequent Recoveries with respect to
the Mortgage Loans with respect to which Realized Losses were paid by the Certificate Insurer
would otherwise be payable to the Class A-2 Certificates.
2. to the Class B-1 Certificates, any remaining Principal Distribution Amount
until the Current Principal Amount thereof is reduced to zero;
3. to the Class B-2 Certificates, any remaining Principal Distribution Amount
until the Current Principal Amount thereof is reduced to zero;
4. to the Class B-3 Certificates, any remaining Principal Distribution Amount
until the Current Principal Amount thereof is reduced to zero;
5. to the Class B-4 Certificates, any remaining Principal Distribution Amount
until the Current Principal Amount thereof is reduced to zero; and
6. to the Class B-5 Certificates, any remaining Principal Distribution Amount
until the Current Principal Amount thereof is reduced to zero.
(B) For each Distribution Date on or after the Stepdown Date, so long as a Trigger Event
is not in effect, the Principal Distribution Amount for such Distribution Date will be
distributed as follows:
1. to the Class A Certificates, from the Principal Distribution Amount, an amount
equal to the Class A Principal Distribution Amount will be distributed first, to each Class of
Class A Certificates on a pro rata basis until the Current Principal Amount of each such Class
is reduced to zero and second, to the Certificate Insurer, any accrued and unpaid Reimbursement
Amounts payable to the Certificate Insurer for such Distribution Date in respect of any
Deficiency Amount described in clauses (a)(2) or (b)(y) of such definition, but only to the
extent of the portion of Subsequent Recoveries with respect to the Mortgage Loans with respect
to which Realized Losses were paid by the Certificate Insurer would otherwise be payable to the
Class A-2 Certificates;
2. to the Class B-1 Certificates, from any remaining Principal Distribution
Amount, the Class B-1 Principal Distribution Amount, until the Current Principal Amount thereof
is reduced to zero;
3. to the Class B-2 Certificates, from any remaining Principal Distribution
Amount, the Class B-2 Principal Distribution Amount, until the Current Principal Amount thereof
is reduced to zero;
4. to the Class B-3 Certificates, from any remaining Principal Distribution
Amount, the Class B-3 Principal Distribution Amount, until the Current Principal Amount thereof
is reduced to zero;
5. to the Class B-4 Certificates, from any remaining Principal Distribution
Amount, the Class B-4 Principal Distribution Amount, until the Current Principal Amount thereof
is reduced to zero; and
6. to the Class B-5 Certificates, from any remaining Principal Distribution
Amount, the Class B-5 Principal Distribution Amount, until the Current Principal Amount thereof
is reduced to zero.
Third, from any Excess Cashflow, first, to the Class A Certificates, pro rata, in accordance
with the respective amounts owed to each such Class an amount equal to (a) any Interest Carry Forward
Amount, for each such Class to the extent not fully paid pursuant to subclauses Second 1 above and then
(b) any Unpaid Realized Loss Amount for each such Class for such Distribution Date and second, to the
Certificate Insurer, any accrued and unpaid Reimbursement Amounts to the extent not paid pursuant to
priorities First 1, Second 1(a) and Second 1(b).
Fourth, from any remaining Excess Cashflow, to the Class B-1 Certificates, an amount equal to
(a) any Interest Carry Forward Amount, and then (b) any Unpaid Realized Loss Amount for such Class for
such Distribution Date;
Fifth, from any remaining Excess Cashflow, to the Class B-2 Certificates, an amount equal to
(a) any Interest Carry Forward Amount, and then (b) any Unpaid Realized Loss Amount for such Class for
such Distribution Date;
Sixth, from any remaining Excess Cashflow, to the Class B-3 Certificates, an amount equal to
(a) any Interest Carry Forward Amount, and then (b) any Unpaid Realized Loss Amount for such Class for
such Distribution Date;
Seventh, from any remaining Excess Cashflow, to the Class B-4 Certificates, an amount equal to
(a) any Interest Carry Forward Amount, and then (b) any Unpaid Realized Loss Amount for such Class for
such Distribution Date;
Eighth, from any remaining Excess Cashflow, to the Class B-5 Certificates, an amount equal to
(a) any Interest Carry Forward Amount, and then (b) any Unpaid Realized Loss Amount for such Class for
such Distribution Date;
Ninth, from any remaining Excess Cashflow, to the Class A Certificates, any Basis Risk
Shortfall and any Basis Risk Shortfall Carry-forward Amount for each such Class for such Distribution
Date, pro rata, based on the Basis Risk Shortfall Carry-forward Amount owed to each such Class (any such
amounts distributable from Excess Cashflow being first deposited to, and then immediately withdrawn from,
the Reserve Fund as provided in Section 4.08);
Tenth, from any remaining Excess Cashflow, to the Class B-1, Class B-2, Class B-3, Class B-4
and Class B-5 Certificates, sequentially, in that order, any Basis Risk Shortfall Carry-forward Amount,
in each case for such Class for such Distribution Date (any such amounts distributable from Excess Cashflow
being first deposited to, and then immediately withdrawn from, the Reserve Fund as provided in Section 4.08);
Eleventh, from any remaining Excess Cashflow, to the Class B-IO Certificates, the Class B-IO
Distribution Amount for such Distribution Date;
Twelfth, from any remaining Excess Cashflow, to the Class B-IO Certificates, any unreimbursed
Class B-IO Advances (as defined below); and
Thirteenth, any remaining amounts, to the Residual Certificates.
All payments of amounts in respect of Basis Risk Shortfall or Basis Risk Shortfall Carry
Forward Amounts made pursuant to the provisions of this Section 6.1(a) shall, for federal income tax
purposes, be deemed to have been distributed from REMIC III to the holder of the Class B-IO Certificates
and then paid outside of any 2006-AR4 REMIC to the recipients thereof pursuant to an interest rate cap
contract. By accepting their Certificates the holders of the Certificates agree so to treat such
payments for purposes of filing their income tax returns.
(b) On each Distribution Date, amounts received under each Cap Contract benefiting the
Offered Certificates and the Class B-5 Certificates and with respect to such Distribution Date will be
allocated in the following order of priority:
First, to the Holders of the Certificates, the payment of any Basis Risk Shortfall
Carry-forward Amount for such Distribution Date, to the extent not covered by the Excess Cashflow for
such Distribution Date;
Second, from any remaining amounts, to the holders of the Certificates, the payment of any
Current Interest and Interest Carry Forward Amount for such Class to the extent not covered by Interest
Funds or Excess Cashflow on such Distribution Date;
Third, from any excess amounts available from each Cap Contract relating to the Offered
Certificates and the Class B-5 Certificates, to the Class A Certificates, pro rata, and then to the
Class B-1, the Class B-2, the Class B-3, the Class B-4 and the Class B-5 Certificates, in that order,
Basis Risk Shortfall Carry-forward Amounts, Current Interest and Interest Carry Forward Amounts for such
Classes to the extent not paid pursuant to clauses First or Second above or covered by Interest Funds or
Excess Cashflow on such Distribution Date; and
Fourth, to the Class B-IO Certificateholders, any remaining amounts.
On each Distribution Date, amounts on deposit in the Reserve Fund for the benefit of the
Certificates will be allocated first to the Class A Certificates, pro rata, based on the current
Realized Losses and any Unpaid Realized Loss Amount for each such Class for such Distribution Date, and
then to the Class B-1, the Class B-2, the Class B-3, the Class B-4 and the Class B-5 Certificates, in
that order, to pay any current Realized Losses and any Unpaid Realized Loss Amount, in each case, for
such class and for such Distribution Date.
All Cap Contract Payment Amounts made with respect to Current Interest and Interest Carry
Forward Amounts will be treated, for federal income tax purposes, as reimbursable advances ("Class B-IO
Advances") made from the Class B-IO Certificateholders. The Class B-IO Advances will be paid back to
the Class B-IO Certificateholders pursuant to Section 6.01(a).
(c) On each Distribution Date, all amounts transferred from the Class XP Reserve Account
representing Prepayment Charges in respect of the Prepayment Charge Loans received during the related
Prepayment Period will be withdrawn from the Distribution Account and distributed by the Trustee to the
Class XP Certificates and shall not be available for distribution to the holders of any other Class of
Certificates.
(d) The expenses and fees of the Trust shall be paid by each of the 2006-AR4 REMICs, to
the extent that such expenses relate to the assets of each of such respective 2006-AR4 REMICs, and all
other expenses and fees of the Trust shall be paid pro rata by each of the 2006-AR4 REMICs.
Section 6.02. Allocation of Losses and Subsequent Recoveries. (a) On or prior to each
Determination Date, the Servicer shall determine the amount of any Realized Loss in respect of each
Mortgage Loan that occurred during the immediately preceding calendar month. Any Realized Losses with
respect to the Mortgage Loans shall be applied 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, as provided for in Section 6.01, in reduction of the
Current Principal Amount of the Class or Classes of Certificates to the extent provided in the
definition of Applied Realized Loss Amount.
(b) In addition, in the event that the Servicer receives any Subsequent Recoveries, the
Servicer shall deposit such funds into the Custodial Account pursuant to Section 4.01(a)(ii).
Subsequent Recovers will first be used to pay any amounts owed to the Certificate Insurer as set for in
Section 6.02(c). If, after taking into account such Subsequent Recoveries, the amount of a Realized
Loss is reduced, the amount of such remaining Subsequent Recoveries will be applied to increase the
Current Principal Amount of the Class of Class B Certificates with the highest payment priority to which
Applied Realized Loss Amounts have been allocated, but not by more than the amount of Applied Realized
Loss Amounts previously allocated to that Class of Class B Certificates. The amount of any remaining
Subsequent Recoveries will be applied to sequentially increase the Current Principal Amount of the Class
B Certificates, beginning with the Class of Class B Certificates with the next highest payment priority,
up to the amount of such Applied Realized Loss Amounts previously allocated to such Class or Classes of
Certificates. Holders of such Certificates will not be entitled to any payments 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 Class B Certificate in accordance with its respective Fractional Undivided Interest.
(c) Subsequent Recoveries will be allocated first to the Certificate Insurer for payment
on any Reimbursement Amounts for such Distribution Date in respect of any Deficiency Amount described in
clauses (a)(2) or (b)(y) of such definition, but only to the extent of the portion of Subsequent
Recoveries that were paid by the Certificate Insurer for Realized Losses that were allocated to the
Class A-2 Certificates in accordance with Section 6.01(a).
Section 6.03. Payments. (a) On each Distribution Date, other than the final Distribution
Date, the Trustee 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. The Trustee shall calculate the amount to be distributed to
each Class and, based on such amounts, the Trustee shall determine the amount to be distributed to each
Certificateholder. The Trustee's calculations of payments shall be based solely on information provided
to the Trustee by the Servicer. The Trustee shall not 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 Trustee 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 Trustee specified in the notice to Certificateholders of such final payment.
Section 6.04. Statements to Certificateholders. (a) On each Distribution Date, concurrently
with each distribution to Certificateholders, the Trustee shall make available to the parties hereto,
the Certificate Insurer and each Certificateholder via the Trustee'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 $25,000, or
in the case of the Class B-IO Certificates, a Notional Amount of $25,000:
(b) the Current Principal Amount of each Class (or in the case of the Class B-IO
Certificates, the Notional Amount) after giving effect (i) to all distributions allocable to principal
on such Distribution Date and (ii) the allocation of any Applied Realized Loss Amounts for such
Distribution Date;
(c) the amount of the related distribution to Holders of each Class allocable to
principal, separately identifying (A) the aggregate amount of any Principal Prepayments included
therein, (B) the aggregate of all scheduled payments of principal included therein and (C) the Extra
Principal Distribution Amount (if any);
(d) the Pass-Through Rate for each applicable Class of Certificates with respect to the
current Accrual Period, and, if applicable, whether such Pass-Through Rate was limited by the Net Rate
Cap;
(e) the amount of such distribution to Holders of each Class allocable to interest;
(f) the applicable accrual period dates for calculating distributions and general
Distribution Dates;
(g) the total cash flows received and the general sources thereof;
(h) the amount, if any, of fees or expenses accrued and paid, with an identification of
the payee and the general purpose of such fees including the related amount of the Servicing Fees paid
to or retained by the Servicer for the related Due Period and the Aggregate Premium Amount paid to the
Certificate Insurer;
(i) the amount of any Cap Contract Payment Amount payable to the Trustee;
(j) the amount of such distribution to each Certificate allocable to interest and, with
respect to the Certificates, the portion thereof, if any, provided by the Cap Contract.
(k) the amount of such distribution to each Certificate allocable to interest;
(l) the Interest Carry Forward Amount and any Basis Risk Shortfall Carry Forward Amount
for each Class of Certificates;
(m) the aggregate of the Stated Principal Balance of all of the Mortgage Loans for the
following Distribution Date;
(n) the number and Outstanding Principal Balance of the Mortgage Loans that were
Delinquent (exclusive of any Mortgage Loan in foreclosure) in respect of which using the OTS method of
calculation (A) are 30 to 59 days Delinquent, (B) are 60 to 89 days Delinquent, (C) are 90 or more days
Delinquent and (D) foreclosure proceedings have been commenced, in each case as of the close of business
on the last day of the calendar month preceding such Distribution Date and separately identifying such
information for the first lien Mortgage Loans and second lien Mortgage Loans;
(o) the amount of Monthly Advances included in the distribution on such Distribution Date
(including the general purpose of such Monthly Advances);
(p) the cumulative amount of Applied Realized Loss Amounts to date;
(q) if applicable, material modifications, extensions or waivers to Mortgage Loan terms,
fees, penalties or payments during the preceding calendar month or that have become material over time;
(r) with respect to any Mortgage Loan that was liquidated during the preceding calendar
month, the loan number and aggregate Stated Principal Balance of, and Realized Loss on, such Mortgage
Loan as of the close of business on the Determination Date preceding such Distribution Date;
(s) the total number and principal balance of any real estate owned or REO Properties as
of the last day of the calendar month preceding such Distribution Date;
(t) the three month rolling average of the percent equivalent of a fraction, the numerator
of which is the aggregate Stated Principal Balance of the Mortgage Loans that are 60 days or more
Delinquent or are in bankruptcy or foreclosure or are REO Properties, and the denominator of which is the
aggregate Stated Principal Balance of all of the Mortgage Loans in each case as of the close of business
on the last day of the calendar month preceding such Distribution Date and separately identifying such
information for the first lien Mortgage Loans;
(u) the Realized Losses during the related Prepayment Period and the cumulative Realized
Losses through the end of the preceding month;
(v) whether a Trigger Event exists;
(w) updated pool composition data, including the weighted average mortgage rate and
weighted average remaining term;
(x) information regarding any new issuance of securities backed by the same asset pool,
any pool asset changes, such as additions or removals of Mortgage Loans from the Trust Fund, if
applicable;
(y) any material changes in the solicitation, credit-granting, underwriting, origination,
acquisition or Mortgage Loan selection criteria or procedures, as applicable, used to originate, acquire
or select Mortgage Loans for the Trust Fund;
(z) the special hazard amount, fraud loss amount and bankruptcy amount, if applicable, as
of the close of business on the applicable Distribution Date and a description of any change in the
calculation of these amounts;
(aa) the amount of the distribution made on such Distribution Date to the Holders of the
Class XP Certificates allocable to Prepayment Charges;
(bb) the amount of the Reimbursement Amount, if any; and
(cc) the Deficiency Amount, if any, to be paid by the Certificate Insurer, specifically
setting forth the aggregate amounts in (a)(1) and (b)(y) of the definition of Deficiency Amount and the
aggregate amount in (a)(2) and (b)(z) of the definition of Deficiency Amount.
The Depositor covenants that if there is a material change in the solicitation,
credit-granting, underwriting, origination, acquisition or Mortgage Loan selection criteria or
procedures, as applicable, used to originate, acquire or select Mortgage Loans for the Trust Fund it
will notify the Trustee five (5) calendar days before each Distribution Date, and if no such
notification occurs, the Trustee has no obligation to report with respect to (w). The Depositor
covenants to the Trustee that there will be no new issuance of securities backed by the same asset pool,
so the Trustee will only be responsible in (v) above for reporting any pool asset changes, such as
additions or removals of Mortgage Loans from the Trust Fund
The information set forth above shall be calculated or reported, as the case may be, by the
Trustee, based solely on, and to the extent of, information provided to the Trustee by the Servicer.
The Trustee may conclusively rely on such information and shall not be required to confirm, verify or
recalculate any such information.
The Trustee may make available each month, to any interested party, the monthly statement to
Certificateholders and the Certificate Insurer via the Trustee's website initially located at
"xxx.xxxxxxx.xxx." Assistance in using the website can be obtained by calling the Trustee'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 Trustee's customer
service desk and indicating such. The Trustee 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 Trustee shall provide timely and adequate notification to all parties regarding any such change.
Within a reasonable period of time after the end of the preceding calendar year beginning in
2008, the Trustee will furnish upon request a 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)(i) and (a)(ii) above with respect to the Certificates, plus information with respect to the amount
of servicing compensation and such other customary information as the Trustee 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 Trustee pursuant to the requirements of the Code.
Section 6.05. Monthly Advances. If the interest portion of the Scheduled Payment on a
Mortgage Loan that was due on a related Due Date is delinquent other than as a result of application of
the Relief Act and exceeds the amount deposited in the Custodial Account which will be used for an
advance with respect to such Mortgage Loan, the Servicer will deposit in the Custodial Account not later
than the Distribution Account Deposit Date immediately preceding the related Distribution Date an amount
equal to such deficiency, net of the Servicing Fee for such Mortgage Loan, except to the extent the
Servicer determines any such advance to be a Nonrecoverable Advance. If the Servicer deems an advance
to be a Nonrecoverable Advance, on the Distribution Account Deposit Date, the Servicer shall present an
Officer's Certificate to the Trustee (i) stating that the Servicer elects not to make a Monthly Advance
in a stated amount and (ii) detailing the reason it deems the advance to be a Nonrecoverable Advance.
Notwithstanding the foregoing, the amount of such deposit may be reduced by the Amount Held for
Future Distribution (as defined below) then on deposit in the Custodial Account. 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 Distribution Account Deposit Date to the extent that
the funds that are available in the Custodial Account on such Distribution Account Deposit Date are less
than the amount of payments required to be made by the Servicer on such Distribution Account Deposit
Date.
The "Amount Held for Future Distribution" as to any Distribution Account Deposit 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 Principal Prepayments received or made in the month of such Distribution Account
Deposit Date, and (ii) payments which represent early receipt of scheduled payments of interest due on a
date or dates subsequent to the related Due Date.
Section 6.06. Compensating Interest Payments. The Servicer shall deposit in the Custodial
Account not later than each Distribution Account Deposit Date an amount equal to the lesser of (i) the
sum of the aggregate amounts required to be paid by the Servicer under this Agreement 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 (ii) the Servicing Fee for such Distribution Date (such amount, the
"Compensating Interest Payment"). The Servicer shall not be entitled to any reimbursement of any
Compensating Interest Payment.
Section 6.07. Distributions on REMIC Regular Interests.
(a) On each Distribution Date, the Trustee shall be deemed to distribute to itself on
behalf of REMIC II as the holder of the REMIC I Regular Interests, those portions of the REMIC I
Distribution Amount not designated to Component I of the Class R Certificates, in the amounts and in
accordance with the priorities set forth in the definitions of REMIC I Distribution Amount.
(b) On each Distribution Date the Trustee shall be deemed to distribute the REMIC II
Distribution Amount to: (i) the holders of each Class of Certificates (other than the Class R, Class
R-X, Class B-IO and Class XP Certificates), as the holders of the REMIC II Regular Interests (other
than REMIC II Regular Interests B-IO-I and B-IO-P) and (ii) to itself on behalf of REMIC III, as the
holder of REMIC II Regular Interests B-IO-I and B-IO-P, in the amounts and in accordance with the
priorities set forth in the definition of REMIC II Distribution Amount.
(c) On each Distribution Date, the Trustee shall be deemed to distribute to the holders of
the Class B-IO Certificates, as the holders of the REMIC III Regular Interest, the amounts set forth in
the definition of REMIC III Distribution Amount.
(d) Notwithstanding the deemed distributions on the REMIC Regular Interests described in
this Section 6.07, distributions of funds from the Certificate Account shall be made only in accordance
with Section 6.01.
ARTICLE VII
The Servicer
Section 7.01. Liabilities of the Servicer. The 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 Servicer.
(a) The 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 Servicer may be merged or consolidated, or any corporation
resulting from any merger or consolidation to which the Servicer shall be a party, or any Person
succeeding to the business of the Servicer, shall be the successor of the 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.
(a) The 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 or the Certificates or the powers of attorney delivered by the Trustee hereunder
(i) related to the 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 Servicer's willful misfeasance, bad faith or gross negligence in the
performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder,
provided, in each case, that with respect to any such claim or legal action (or pending or threatened
claim or legal action), the Indemnified Person shall have given the Servicer and the Depositor written
notice thereof promptly after the Indemnified Person shall have with respect to such claim or legal
action knowledge thereof. The Trustee's failure to give any such notice shall not affect the
Indemnified Person's right to indemnification hereunder, except to the extent the Servicer is materially
prejudiced by such failure to give notice. This indemnity shall survive the resignation or removal of
the Servicer or the Trustee 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 Servicer's indemnification pursuant to Section
7.03(a).
Section 7.04. Limitations on Liability of the Servicer and Others. Subject to the
obligation of the Servicer to indemnify the Indemnified Persons pursuant to Section 7.03:
(a) Neither the Servicer nor any of the directors, officers, employees or agents of the
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 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 Servicer and any director, officer, employee or agent of the Servicer may rely in
good faith on any document of any kind prima facie properly executed and submitted by any Person
respecting any matters arising hereunder.
(c) The Servicer, the Custodian and any director, officer, employee or agent of the
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 or the
Certificates, other than (i) any such loss, liability or expense related to the 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 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 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 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 Servicer shall be entitled to be reimbursed therefor out of the Custodial
Account as provided by Section 4.02. Nothing in this Section 7.04(d) shall affect the Servicer's
obligation to service and administer the Mortgage Loans in accordance with this Agreement.
(e) In taking or recommending any course of action pursuant to this Agreement, unless
specifically required to do so pursuant to this Agreement, the 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.
Section 7.05. Servicer Not to Resign. Except as provided in Section 7.07, the 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 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 Servicer shall become effective until the Trustee or a successor to the
Servicer reasonably satisfactory to the Trustee shall have assumed the responsibilities and obligations
of the Servicer in accordance with Section 8.02 hereof. The Trustee shall notify the Rating Agencies
upon notice of the resignation of the Servicer.
Section 7.06. Successor Servicer. In connection with the appointment of any successor
servicer or the assumption of the duties of the Servicer, the Depositor or the Trustee may make such
arrangements for the compensation of such successor servicer out of payments on the Mortgage Loans as
the Depositor or the Trustee and such successor servicer shall agree. If the successor servicer does
not agree that such market value is a fair price, such successor 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 servicer may not exceed the
compensation which the Servicer would have been entitled to retain if the Servicer had continued to act
as Servicer hereunder.
Section 7.07. Sale and Assignment of Servicing. The Servicer may sell and assign its rights
and delegate its duties and obligations in its entirety as Servicer under this Agreement and the
Depositor may terminate the Servicer without cause and select a new 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
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 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
Servicer and the Trustee; (iii) the Servicer assigning and selling the 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 Servicer
is terminated without cause by the Depositor, the Depositor shall pay the terminated Servicer a
termination fee equal to 0.25% of the aggregate Stated Principal Balance of the Mortgage Loans at the
time the servicing of the Mortgage Loans is transferred to the successor Servicer. No such assignment
or delegation shall affect any rights or liability of the 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 Servicer:
(i) The Servicer fails to cause to be deposited in the Distribution Account any
amount so required to be deposited pursuant to this Agreement (other than a Monthly Advance), and such
failure continues unremedied for a period of three Business Days after the date upon which written
notice of such failure, requiring the same to be remedied, shall have been given to the Servicer; or
(ii) The 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 Servicer by the Trustee or to the 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 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 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 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 Servicer or substantially all of its property; or the 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 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;
(vi) The Servicer fails to cause to be deposited in the Distribution Account any
Monthly Advance (other than a Nonrecoverable Advance) by 5:00 p.m. New York City time on the
Distribution Account Deposit Date; or
(vii) The Servicer fails to comply with Sections 3.16, 3.17 or 3.18 herein.
In each and every such case, so long as such Event of Default with respect to the 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 Servicer (and to the Trustee if given by such Certificateholders), with a copy to the
Certificate Insurer and the Rating Agencies, and with the consent of the Company and the Certificate
Insurer, may terminate all of the rights and obligations (but not the liabilities) of the Servicer under
this Agreement and in and to the Mortgage Loans and/or the REO Property serviced by the Servicer and the
proceeds thereof. Upon the receipt by the Servicer of the written notice, all authority and power of
the 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
Servicer as attorney--n-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 Servicer agrees to cooperate with the Trustee in effecting the
termination of the 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 Servicer
reasonably requested by the Trustee to enable it to assume the 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 Servicer under this Agreement, the 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 Servicer
shall not affect any obligations incurred by the Servicer prior to such termination.
Notwithstanding the foregoing, if an Event of Default described in clause (vi) of this
Section 8.01 shall occur, the Trustee shall, by notice in writing to the Servicer, which may be delivered
by telecopy, immediately terminate all of the rights and obligations of the 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 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
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 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 Servicer in its capacity under this Agreement and the transactions set forth or
provided for herein and shall thereafter be subject to all the responsibilities, duties, liabilities and
limitations on liabilities relating thereto placed on the Servicer by the terms and provisions hereof;
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
the Trustee or any other successor Servicer; and provided, further, that the Trustee shall have the
right to select a successor Servicer; provided further, 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 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 Servicer
would have been entitled to retain if the Servicer had continued to act hereunder, except for those
amounts due the 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 Mae- or
Xxxxxxx Mac-approved Servicer, and with respect to a successor to the Servicer only, having a net worth
of not less than $10,000,000, as the successor to the Servicer hereunder in the assumption of all or any
part of the responsibilities, duties or liabilities of the 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 Servicer. Pending
appointment of a successor to the 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 Servicer would have been entitled to if the
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 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 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 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 servicer.
(c) To the extent that the costs and expenses of the Trustee related to any termination of
the Servicer, appointment of a successor Servicer or the transfer and assumption of servicing by the
Trustee with respect to this Agreement (including, without limitation, (i) all legal costs and expenses
and all due diligence costs and expenses associated with an evaluation of the potential termination of
the Servicer as a result of an event of default by the Servicer and (ii) all costs and expenses
associated with the complete transfer of servicing, including, but not limited to, all servicing files
and all servicing data and the completion, correction or manipulation of such servicing data as may be
required by the successor servicer to correct any errors or insufficiencies in the servicing data or
otherwise to enable the successor servicer to service the Mortgage Loans in accordance with this
Agreement) are not fully and timely reimbursed by the terminated Servicer, the Trustee shall be entitled
to reimbursement of such costs and expenses from the Distribution Account.
Section 8.03. Notification to Certificateholders. Upon any termination or appointment of a
successor to the Servicer, the Trustee shall give prompt written notice thereof to the
Certificateholders at their respective addresses appearing in the Certificate Register and to the Rating
Agencies.
Section 8.04. Waiver of Defaults. The Trustee shall give prompt written notice thereof 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 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 and the Certificate
Insurer.
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
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, undertakes to perform such duties and only such
duties as are specifically set forth in this Agreement as duties of the Trustee. 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
pursuant to any provision of this Agreement, the Trustee shall examine them to determine whether they
are in the form required by this Agreement; provided, however, that the Trustee shall not be responsible
for the accuracy or content of any resolution, certificate, statement, opinion, report, document, order
or other instrument furnished hereunder; provided, further, that the Trustee shall not be responsible
for the accuracy or verification of any calculation provided to it pursuant to this Agreement.
(c) On each Distribution Date, the Trustee 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.
(d) No provision of this Agreement shall be construed to relieve the Trustee 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 shall
be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except
for the performance of its 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 and, in the
absence of bad faith on the part of the Trustee, the Trustee 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 and conforming to the requirements of this Agreement;
(ii) The Trustee shall not 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, unless it
shall be proved that the Trustee was negligent in ascertaining the pertinent facts;
(iii) The Trustee shall not 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 exercising any trust or other power conferred upon the Trustee 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) The Trustee shall not in any way be liable by reason of any insufficiency in
any Account held by the Trustee or any Account held in the name of the 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);
(vii) Anything in this Agreement to the contrary notwithstanding, in no event shall
the Trustee 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 has been advised of the likelihood of
such loss or damage and regardless of the form of action;
(viii) None of the Trustee, the Servicer, the Depositor or the Custodian 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
(ix) The Trustee shall not 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 to perform, or be
responsible for the manner of performance of, any of the obligations of the Servicer under this
Agreement, 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 Servicer in accordance with the terms of this
Agreement.
(e) All funds received by the Servicer and the Trustee and required to be deposited into
any Account pursuant to this Agreement will be promptly so deposited by the Servicer or the Trustee, as
applicable.
(f) Except for those actions that the Trustee is required to take hereunder, the Trustee
shall not 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. Except as otherwise provided in
Section 9.01:
(a) The Trustee may rely and shall be protected in acting or refraining from acting in
reliance on any resolution, certificate of the Depositor or the 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;
(b) The Trustee 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;
(c) The Trustee shall not 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;
(d) 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, the Trustee shall not 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;
(e) The Trustee shall not 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 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, reasonably assured to the Trustee, by the security afforded to it by the terms of this
Agreement. The Trustee 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;
(f) The Trustee 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 (other than the Custodian) to perform its custodial functions with
respect to the Mortgage Files or paying agent functions under this Agreement without the express written
consent of the Servicer, which consent will not be unreasonably withheld. The Trustee shall not be
liable or responsible for (i) the misconduct or negligence of any of the Trustee's agents or attorneys
or a custodian or paying agent appointed hereunder by the Trustee with due care and, when required, with
the consent of the Servicer or (ii) any acts or omissions of the Servicer (unless the Trustee has
assumed the obligations of the Servicer pursuant to the provision of this Agreement);
(g) Should the Trustee deem the nature of any action required on its part, other than a
payment or transfer by the Trustee under Section 4.02, to be unclear, the Trustee may require prior to
such action that it be provided by the Depositor with reasonable further instructions;
(h) The right of the Trustee to perform any discretionary act enumerated in this Agreement
shall not be construed as a duty, and the Trustee shall not be accountable for other than its negligence
or willful misconduct in the performance of any such act;
(i) The Trustee shall not 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 Section
9.07; and
(j) Neither the Trustee nor the Servicer 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
Sponsor pursuant to this Agreement, the Mortgage Loan Purchase Agreement or the eligibility of any
Mortgage Loan for purposes of this Agreement.
Section 9.03. Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained
herein and in the Certificates (other than the signature and countersignature of the Trustee on the
Certificates) shall be taken as the statements of the Depositor, and the Trustee shall not have any
responsibility for their correctness. The Trustee makes no representation as to the validity or
sufficiency of the Certificates (other than the signature and countersignature of the Trustee 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 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. The Trustee shall
not 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, the Trustee shall not 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. The Trustee shall not at any
time have any responsibility or liability for or with respect to the legality, validity and
enforceability of any Mortgage or any Mortgage Loan, or the perfection and priority of any Mortgage or
the maintenance of any such perfection and priority, or for or with respect to the sufficiency of the
Trust Fund or its ability to generate the payments to be distributed to Certificateholders, under this
Agreement. The Trustee shall not have any responsibility for filing any financing or continuation
statement in any public office at any time or to otherwise perfect or maintain the perfection of any
security interest or lien granted to it hereunder or to record this Agreement other than any
continuation statements filed by the Trustee pursuant to Section 3.19.
Section 9.04. Trustee May Own Certificates. The Trustee 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 the Trustee and may otherwise deal with the parties hereto.
Section 9.05. Trustee's Fees and Expenses. The Trustee will be entitled to a fee (the
"Trustee Fee") as compensation for the performance of its activities hereunder equal to 1/12 of the
Trustee Fee Rate multiplied by the Stated Principal Balance of each Mortgage Loan as of the first day of
the related Due Period. The Trustee will also be entitled to all income and gain realized from any
investment of funds in the Distribution Account, pursuant to Article IV, for the performance of its
activities hereunder. In addition, the Trustee will be entitled to recover from the Distribution
Account pursuant to Section 4.04 all reasonable out-of-pocket expenses, disbursements and advances and
the expenses of the Trustee in connection with any Event of Default, any breach of this Agreement or the
Certificate Insurance Policy or any claim or legal action (including any pending or threatened claim or
legal action) incurred or made by or against the Trustee or in connection with the administration of the
trusts hereunder by the Trustee (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 shall recover such expenses from the
Depositor. 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. The Trustee and any successor Trustee
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 or successor Trustee 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 shall cease to be eligible in accordance with the
provisions of this Section 9.06, the Trustee shall resign immediately in the manner and with the effect
specified in Section 9.08.
Section 9.07. Insurance. The Trustee, at its 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 as to the
Trustee's 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.
(a) The Trustee may at any time resign and be discharged from the Trust hereby created by
giving written notice thereof to the Depositor and the Servicer, with a copy to the Rating Agencies and
the Certificate Insurer. Upon receiving such notice of resignation, the Depositor shall promptly
appoint a successor Trustee, by written instrument, in triplicate, one copy of which instrument shall be
delivered to the resigning Trustee. If no successor Trustee shall have been so appointed and have
accepted appointment within 30 days after the giving of such notice of resignation, the resigning
Trustee may petition any court of competent jurisdiction for the appointment of a successor Trustee.
(b) If at any time the Trustee 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 shall become incapable of acting, or shall be adjudged a bankrupt or
insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer
shall take charge or control of the Trustee or of its property or affairs for the purpose of
rehabilitation, conservation or liquidation, then the Depositor shall promptly remove the Trustee and
appoint a successor Trustee by written instrument, in triplicate, one copy of which instrument shall be
delivered to the Trustee so removed, the successor Trustee.
(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 and appoint a successor Trustee by
written instrument or instruments, in quintuplicate, signed by such Holders or their attorneys-in-fact
duly authorized, one complete set of which instruments shall be delivered to the Depositor, the Servicer
and the Trustee so removed and the successor so appointed. In the event that the Trustee 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 hereunder to a successor Trustee, in excess of the
amount paid hereunder to the predecessor Trustee.
(d) No resignation or removal of the Trustee and appointment of a successor Trustee
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 as provided in Section 9.09. As long as the
Certificate Insurance Policy is in effect, the Trustee will send a written notice to the Certificate
Insurer of any such resignation, removal or appointment.
Section 9.09. Successor Trustee.
(a) Any successor Trustee appointed as provided in Section 9.08 shall execute, acknowledge
and deliver to the Depositor and to its predecessor Trustee an instrument accepting such appointment
hereunder. The resignation or removal of the predecessor Trustee shall then become effective and such
successor Trustee, 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 herein. The predecessor Trustee shall, after its receipt of payment in full of its
outstanding fees and expenses promptly deliver to the successor Trustee all assets and records of the
Trust held by it hereunder, and the Depositor and the predecessor Trustee 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 all such rights, powers, duties and obligations.
(b) No successor Trustee shall accept appointment as provided in this Section 9.09 unless
at the time of such acceptance such successor Trustee shall be eligible under the provisions of
Section 9.06.
(c) Upon acceptance of appointment by a successor Trustee as provided in this
Section 9.09, the successor Trustee shall mail notice of the succession of such Trustee hereunder to all
Certificateholders at their addresses as shown in the Certificate Register, to the Certificate Insurer
and to the Rating Agencies. The Company shall pay the cost of any mailing by the successor Trustee.
Section 9.10. Merger or Consolidation of Trustee. Any state bank or trust company or
national banking association into which the Trustee 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 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 shall be the successor of the Trustee 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, delivery of notice 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 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 2006-AR4 REMIC shall be a
calendar year and the Trustee shall maintain or cause the maintenance of the books of each such 2006-AR4
REMIC on the accrual method of accounting.
(b) It is intended that the portion of the Trust Fund consisting of the Trust's interest in the Cap
Contracts be classified for federal income tax purposes as a grantor trust under subpart E, part I of
subchapter J of chapter 1 of the Code, of which the Class B-IO Certificateholders are owners, rather
than as an association taxable as a corporation. The powers granted and obligations undertaken in this
Agreement shall be construed so as to further such intent.
(c) The Trustee 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 2006-AR4 REMIC, the Trust Fund (including the portion of the Trust Fund classified as a
grantor trust as noted in Section 9.12(b)) 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 the
Trustee 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 mortgaged property that is
abandoned or foreclosed, receipt of mortgage interests in kind in a trade or business, a cancellation of
indebtedness, interest, original issue discount and market discount or premium (assuming a constant rate
of prepayment on the Mortgage Loans of 25%). The Trustee will apply for an Employee Identification
Number from the IRS under Form SS-4 or any other acceptable method for all tax entities (including each
2006-AR4 REMIC and the portion of the Trust Fund classified as a grantor turst as noted in Section
9.12(b)). In connection with the foregoing, the Trustee shall timely prepare and file, and the Trustee
shall upon the written instruction of the Trustee sign, IRS 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 2006-AR4 REMIC (the "REMIC Reporting Agent"). The Trustee shall make
elections to treat each 2006-AR4 REMIC as a REMIC and the portion of the Trust Fund consisting of the
Trust's interest in the Cap Contracts as a grantor trust (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 Trustee. 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 largest percentage interest in the Class R Certificates is hereby
designated as the "Tax Matters Person" (within the meaning of Treas. Reg. §§1.860F-4(d)) for each of
REMIC I and REMIC II. The Holder of the largest percentage interest in the Class R-X Certificates is
hereby designated as the "Tax Matters Person" (within the meaning of Treas. Reg. §§1.860F-4(d)) for
REMIC III. The Trustee 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 Trustee as agent
and attorney-in-fact for the purpose of acting as Tax Matters Person for each 2006-AR4 REMIC during such
time as the Trustee 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 Trustee from acting as agent for the Tax Matters Person, the Trustee 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
the largest percentage interest in 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.
(d) The Trustee 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).
(e) The Trustee 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 2006- AR4 REMIC or the Trust
Fund.
(f) The Trustee shall request certification acceptable to the Trustee to enable the Trust to make
payments of principal and interest on the Class B-IO Certificates without withholding or backup
withholding taxes. Each Class B-IO Certificateholder agrees to provide any certification requested
pursuant to this paragraph and to update or replace such form or certification in accordance with its
terms or its subsequent amendments and consents to the delivery by the Trustee to the Cap Counterparty
of any such certification. Such certification may include Form W-8BEN, Form W-8IMY, Form W-9 or Form
W-8ECI or any successors to such IRS forms. If the Trust becomes subject to deduction, withholding, or
other charge or assessment from, or with respect to, payments to any Class B-IO Certificateholder for
any present or future tax, duty, assessment, or governmental charge, then the Trustee shall indicate the
amount withheld to such Class B-IO Certificateholders. Such amounts shall be deemed to have been
distributed to such Class B-IO Certificateholders for all purposes of this Agreement.
(g) The Trustee, on behalf of the Trust, (i) shall authorize, execute and deliver a United States
Internal Revenue Service Form W-9 or successor applicable form, or other appropriate United States tax
forms as may be required to prevent withholding or backup withholding taxes on payments to the Trust
under the Cap Contracts, to the Cap Counterparty on or before the first payment date under the Cap
Contracts and thereafter prior to the expiration or obsolescence of such form and (ii) if permitted to
by the Class B-IO Certificateholders, shall, if requested by the Cap Counterparty, deliver to the Cap
Counterparty promptly upon receipt each certification received from the Class B-IO Certificateholders
pursuant to section 9.12(f).
(h) Notwithstanding any other provision of this Agreement, the Trustee shall comply with all
federal withholding requirements respecting payments to Certificateholders, that the Trustee reasonably
believes are applicable under the Code. The consent of Certificateholders shall not be required for
such withholding. In the event the Trustee withholds any amount from interest, original issue discount
or other payments or advances thereof to any Certificateholder pursuant to federal withholding
requirements, the Trustee shall, together with its monthly report to such Certificateholders, indicate
such amount withheld.
(i) The Trustee agrees 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 Servicer, as a result of a breach of the Trustee's covenants set forth in this
Section 9.12.
ARTICLE X
Termination
Xxxxxxx 00.00. Xxxxxxxxxxx Xxxx Xxxxxxxxxx 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 and the Servicer created hereby, other than the obligation of the Trustee 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 (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 on the Mortgage Loans 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 Servicer, including unreimbursed servicing advances and the interest portion
of any unreimbursed Monthly Advances, made on the related Mortgage Loans prior to the exercise of such
repurchase right, (d) any costs and damages incurred by the Trust in connection with any violation of
any predatory or abusive lending laws with respect to a Mortgage Loan, and (e) any unreimbursed costs
and expenses of the Servicer, the Custodian and the Trustee payable pursuant to Section 9.05 or Section
7.04(c);
(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.
No such purchase by the Depositor or its designee under Subsection 10.01(a)(i) will be
permitted without the consent of the Certificate Insurer if such repurchase would cause a draw on the
Certificate Insurance Policy to be made or if any amounts due to the Certificate Insurer would remain
unreimbursed on the Final Distribution Date.
(b) In no event, however, shall the Trust created hereby continue beyond 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) (i) The right of the Depositor or its designee to repurchase all the assets described
in Section 10.01(a)(i) above shall be exercisable only if (i) the Stated Principal Balance of the
Mortgage Loans at the time of any such repurchase is less than 10% of the Cut-off Date Balance of such
Mortgage Loans or (ii) the Depositor, based upon an Opinion of Counsel addressed to the Depositor and
the Trustee has determined that the REMIC status of any 2006-AR4 REMIC 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 any 2006-AR4
REMIC at any time, and upon such election, the Depositor or its designee, shall purchase in accordance
with Section 10.01(a)(i) above all the assets of the Trust Fund.
(d) The Trustee shall give notice of any termination to the Certificateholders, with a
copy to the Servicer, the Certificate Insurer and the Rating Agencies, upon which the Certificateholders
shall surrender their Certificates to the Trustee for payment of the final distribution and
cancellation. Such notice shall be given by letter, mailed not earlier than the 15th 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 Corporate Trust Office of the Trustee 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 Corporate Trust Office of the Trustee therein specified.
(e) If the option of the Depositor to repurchase or cause the repurchase of the Mortgage
Loans and the related assets described in Section 10.01(a)(i) above is exercised, the Depositor and/or
its designee shall deliver to the Trustee 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 related Certificates by the related Certificateholders, the Trustee
shall distribute to such Certificateholders from amounts then on deposit in the Distribution Account an
amount determined as follows: with respect to each related Certificate (other than the Residual
Certificates and the Class XP Certificates), the outstanding Current Principal Amount, plus with respect
to each such Certificate (other than the related Residual Certificates and the Class XP Certificates),
one month's interest thereon at the applicable Pass-Through Rate; and with respect to the related
Residual Certificates and the related Class XP 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 (other than the related Residual
Certificates and the related Class XP Certificates). If the proceeds with respect to the Mortgage Loans
are not sufficient to pay all of the related Certificates in full (other than the related Residual
Certificates and the related Class XP Certificates), any such deficiency will be allocated first, to the
related Class B Certificates, in inverse order of their numerical designation, and then to the Class A
Certificates, on a pro rata basis. Upon deposit of the required repurchase price and following such
final Distribution Date for the related Certificates, the Trustee shall release promptly (or cause the
Custodian to release) to Depositor and/or its designee the Mortgage Files for the remaining applicable
Mortgage Loans, and the Accounts with respect thereto shall terminate, subject to the Trustee's
obligation to hold any amounts payable to the Certificateholders in trust without interest pending final
distributions pursuant to Section 10.01(g). Any other amounts remaining in the Accounts will belong to
the Depositor.
(f) In the event that this Agreement is terminated by reason of the payment or liquidation
of all Mortgage Loans or the disposition of all property acquired with respect to all Mortgage Loans
under Section 10.01(a)(ii) above, the Servicer shall deliver to the Trustee for deposit in the
Distribution Account all distributable amounts remaining in the Custodial Account. Upon the
presentation and surrender of the Certificates, the Trustee shall distribute to the remaining
Certificateholders, in accordance with their respective interests, all distributable amounts remaining
in the Distribution Account. Upon deposit by the Servicer of such distributable amounts, and following
such final Distribution Date, the Trustee shall release promptly to the Depositor or its designee the
Mortgage Files for the remaining Mortgage Loans, and the Custodial Account and the Distribution Account
shall terminate, subject to the Trustee's obligation to hold any amounts payable to the
Certificateholders in trust without interest pending final distributions pursuant to this Section
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
Trustee 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 Trustee 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.
(h) The designee of the Depositor, if it is not an affiliate of the Depositor, shall be
deemed to represent that one of the following will be true and correct: (i) the exercise of the optional
termination right set forth in Section 10.01 shall not result in a non-exempt prohibited transaction
under ERISA or Section 4975 of the Code or (ii) such designee is (A) not a party in interest with
respect to any Plan and (B) is not a "benefit plan investor" (other than a plan sponsored or maintained
by the Depositor or such designee, as the case may be, provided that no assets of such plan are invested
or deemed to be invested in the Certificates). If the holder of the optional termination right is unable
to exercise such option by reason of the preceding sentence, then the Depositor may exercise such option.
Section 10.02. Additional Termination Requirements. (a) If the option of the Depositor to
repurchase the Mortgage Loans under Section 10.01(a)(i) above is exercised with respect to all of the
Mortgage Loans, the Trust Fund and each 2006-AR4 REMIC shall be terminated in accordance with the
following additional requirements, unless the Trustee has been furnished with an Opinion of Counsel
addressed to the Trustee and the Certificate Insurer (which opinion shall not be at the expense of the
Trustee or the Certificate Insurer) 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 each 2006-AR4 REMIC or (ii) cause any 2006-AR4
REMIC to fail to qualify as a 2006-AR4 REMIC at any time that any Certificates are outstanding:
(i) within 90 days prior to the final Distribution Date, at the written direction
of Depositor, the Trustee, as agent for the respective Tax Matters Persons, shall adopt a plan of
complete liquidation of each 2006-AR4 REMIC in the case of a termination under Section 10.01(a)(i). Such
plan, which shall be provided to the Trustee by Depositor, shall meet the requirements of a "qualified
liquidation" under Section 860F of the Code and any regulations thereunder.
(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; and
(iii) at or after the time of adoption of such a plan of complete liquidation of any
2006-AR4 REMIC and at or prior to the final Distribution Date, the Trustee shall sell for cash all of
the assets of the Trust to or at the direction of the Depositor, and each 2006-AR4 REMIC, shall
terminate at such time.
(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 2006-AR4 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 Trustee shall adopt such plan of
liquidation by filing the appropriate statement on the final tax return of each 2006-AR4 REMIC. Upon
complete liquidation or final distribution of all of the assets of the Trust Fund, the Trust Fund and
each 2006-AR4 REMIC shall terminate.
ARTICLE XI
Miscellaneous Provisions
Section 11.01. Intent of Parties. The parties intend that each 2006-AR4 REMIC 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. Notwithstanding any other express or implied agreement to the
contrary, the Sponsor, the Servicer, the Trustee, the Depositor, each recipient of the related
Prospectus Supplement and, by its acceptance thereof, each holder of a Certificate, agrees and
acknowledges that each party hereto has agreed that each of them and their employees, representatives
and other agents may disclose, immediately upon commencement of discussions, to any and all persons the
tax treatment and tax structure of the Certificates and the 2006-AR4 REMICs, the transactions described
herein and all materials of any kind (including opinions and other tax analyses) that are provided to
any of them relating to such tax treatment and tax structure except where confidentiality is reasonably
necessary to comply with the securities laws of any applicable jurisdiction. For purposes of this
paragraph, the terms "tax treatment" and "tax structure" have the meanings set forth in Treasury
Regulation Sections 1.6011-4(c), 301.6111-2(c) and 301.6112-1(d).
Section 11.02. Amendment.
(a) This Agreement may be amended from time to time by the Company, the Depositor, the
Servicer and the Trustee, without notice to or the consent of any of the Certificateholders and, with
respect to any amendment that adversely affects the interests of any of the Holders of the Insured
Certificates or the Certificate Insurer, with the prior written consent of the Certificate Insurer, to
(i) cure any ambiguity, (ii) correct or supplement any provisions herein that may be defective or
inconsistent with any other provisions herein, (iii) conform any provisions herein to the provisions in
the Prospectus, (iv) comply with any changes in the Code, (v) to revise or correct any provisions to
reflect the obligations of the parties to this Agreement as they relate to Regulation AB or (iv) 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 with respect to clauses
(iv) and (vi) of this Section 11.02(a), 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; provided, further, that with respect to clauses (iv) and (vi) of this Section
11.02(a), the Trustee may request an Opinion of Independent Counsel, addressed to the Trustee (but not
at the expense of the Trustee), to the effect that such amendment will not cause any REMIC created under
this Agreement to fail to qualify as a REMIC at any time that any Certificate is outstanding.
(b) This Agreement may also be amended from time to time by the Company, the Servicer, the
Depositor and the Trustee, with the consent of the Holders of the Certificates evidencing not less than
51% of the aggregate outstanding Certificate Principal Balance of the Certificates affected thereby (or,
of each Class of Certificates evidencing not less than 51% of the aggregate outstanding Certificate
Principal Balance of each Class affected thereby, 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 2006-AR4 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 11.02(b), Certificates registered in the name of or held for the
benefit of the Depositor, the 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
and the Trustee, and the Trustee shall provide a copy of such amendment or notice to the Rating Agencies
and the Certificate Insurer.
(d) In the case of an amendment under Section 11.02(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 may, but shall
not be obligated to, enter into any such amendment which affects the Trustee's rights, duties or
immunities under this Agreement.
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 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 and the Certificate Insurer or is required
by law.
Section 11.04. 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 Trustee, the 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 11.04, each
and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at
law or in equity.
(e) By accepting its Insured Certificate, each Holder of an Insured Certificate agrees
that, unless a Certificate Insurer Default exists and is continuing, the Certificate Insurer shall have
the right to exercise all rights of the Holders of the Insured Certificates under this Agreement (other
than the right to receive distributions on the Insured Certificates) without any further consent of the
Holders of the Insured Certificates and the Holders of the Insured Certificates shall exercise any such
rights only upon the written consent of the Certificate Insurer; provided, however, each Holder of an
Insured Certificate and the Certificate Insurer will have the right to receive statements and reports
hereunder. Notwithstanding the foregoing, the Certificate Insurer shall have no power without the
consent of the Owner of each Certificate affected thereby to: (i) reduce in any manner the amount of, or
delay the timing of, distributions of principal or interest required to be made hereunder or reduce the
Percentage Interest of the Holders of the Insured Certificates or the Pass-Through Rate with respect to
any of the Insured Certificates; (ii) reduce the required Fractional Undivided Interest specified in
Section 11.02 which is required to amend this Agreement; (iii) create or permit the creation of any lien
against any part of the Trust Fund; (iv) modify any provision in any way which would permit an earlier
retirement of the Insured Certificates or (v) amend this sentence.
(f) The Certificate Insurer is an intended third-party beneficiary of this
Agreement with respect to the rights of the Insured Certificates. Any right conferred to the
Certificate Insurer shall be suspended after the occurrence and during the continuation of a Certificate
Insurer Default. During any period of suspension, the Certificate Insurer's rights hereunder shall vest
in the Holders of the Insured Certificates (to the extent such Holders otherwise have such rights
hereunder). At such time as the Current Principal Amount of the Insured Certificates has been reduced
to zero and the Certificate Insurer has been reimbursed for all amounts to which it is entitled
hereunder pursuant to Section 6.01, the Certificate Insurer's rights hereunder shall terminate.
Section 11.05. 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 11.05.
(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
none of the Trustee, the Depositor, the 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
Depositor, the 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 Depositor, the Servicer or
any Affiliate thereof shall be disregarded, except as otherwise provided in Section 11.02(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 Depositor, the 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
Depositor, or the Servicer, as the case may be.
Section 11.06. 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 NEW YORK 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 11.07. 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
Company, 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 Servicer, 0000 Xxxx Xxxxx Xxxxx, Xxxxxxxxxx, Xxxxx 00000,
Attention: Bear Xxxxxxx Mortgage Funding 2006-AR4, telecopier number: (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
Rating Agencies, Xxxxx'x Investors Service, Inc., 00 Xxxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000 and
Standard & Poor's, a division of The XxXxxx-Xxxx Companies, Inc., 00 Xxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx
00000, (vi) in the case of the Certificate Insurer, Ambac Assurance Corporation, Xxx Xxxxx Xxxxxx Xxxxx,
Xxx Xxxx, Xxx Xxxx 00000, Attention: Bear Xxxxxxx 2006-AR4 telecopier number: (000) 000-0000 or such
other address or telecopy number as may be furnished to the other parties hereto in writing. Any notice
delivered to the Depositor, the Servicer 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 11.08. 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 11.09. 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 11.10. 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 11.11. 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 11.12. 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;
2. The occurrence of any Event of Default that has not been cured;
3. The resignation or termination of the Servicer or the Trustee;
4. The repurchase or substitution of any Mortgage Loans;
5. The final payment to Certificateholders; and
6. Any change in the location of the Custodial Account or the Distribution Account.
Section 11.13. 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 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 unless the Servicer complies with the provisions of paragraph (d) of this Section.
(b) The Servicer shall cause any Subservicer used by the Servicer (or by any Subservicer)
for the benefit of the Depositor to comply with the provisions of this Section and with Sections 3.16
and 3.17 of this Agreement to the same extent as if such Subservicer were the Depositor. The Servicer
shall be responsible for obtaining from each Subservicer and delivering to the Depositor any Annual
Statement of Compliance required to be delivered by such Subservicer under Section 3.16(a), any
Assessment of Compliance and Attestation Report required to be delivered by such Subservicer under
Section 3.17 and any Annual Certification required under Section 3.16(b) as and when required to be
delivered.
(c) The Servicer shall promptly upon request provide to the Depositor (or any designee of
the Depositor, such as an administrator) a written description (in form and substance satisfactory to
the 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 Depositor to
comply with the provisions of Sections 3.01 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 Depositor any Assessment of Compliance and Attestation Report and other
certificates required to be delivered by such Subservicer and such Subcontractor under Section 3.17, in
each case as and when required to be delivered.
[Signatures Follow]
IN WITNESS WHEREOF, the Depositor, the Trustee, the Servicer and the Trustee have caused their
names to be signed hereto by their respective officers thereunto duly authorized as of the day and year
first above written.
STRUCTURED ASSET MORTGAGE INVESTMENTS II
INC., as Depositor
By: /s/ Xxxxx Xxxxxxxxxxx
Name: Xxxxx Xxxxxxxxxxx
Title: Senior Managing Director
XXXXX FARGO BANK, NATIONAL ASSOCIATION, as
Trustee
By: /s/ Xxxxxx X. Xxxxxx
Name: Xxxxxx X. Xxxxxx
Title: Vice President
EMC MORTGAGE CORPORATION, as Servicer and
Company
By: /s/ Xxxxxxx Xxxxxxx, Xx.
Name: Xxxxxxx Xxxxxxx, Xx.
Title: Executive Vice President
Accepted and Agreed as to
Sections 2.01, 2.02, 2.03, 2.04, 2.07 and 9.09(c)
in its capacity as Sponsor
EMC MORTGAGE CORPORATION
By: /s/ Xxxxxx Xxxxx
Name: Xxxxxx Xxxxx
Title: Senior Vice President
STATE OF NEW YORK )
) ss.:
COUNTY OF NEW YORK )
On the 30th day of November, 2006 before me, a notary public in and for said State, personally
appeared Xxxxx Xxxxxxxxxxx, known to me to be a Senior Managing Director 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.
/s/ Xxxxxxxx Xxxxxxxx
Notary Public
[Notarial Seal]
STATE OF MARYLAND )
) ss.:
COUNTY OF XXXXXX )
On the 30th day of November, 2006 before me, a notary public in and for said State, personally
appeared Xxxxxx Xxxxxx, known to me to be a Vice President of Xxxxx Fargo 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.
/s/ Xxxxxx X. Xxxxxxx
Notary Public
[Notarial Seal]
STATE OF TEXAS )
) ss.:
COUNTY OF DALLAS )
On the 30th day of November 2006 before me, a notary public in and for said State, personally
appeared Xxxxxx Xxxxx, known to me to be 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.
/s/ Xxxxx X. Xxxxxxx
Notary Public
[Notarial Seal]
STATE OF TEXAS )
) ss.:
COUNTY OF DALLAS )
On the 30th day of November, 2006 before me, a notary public in and for said State, personally
appeared Xxxxxxx Xxxxxxx, Xx., known to me to be Executive 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.
/s/ Xxxxx X. Xxxxxxx
Notary Public
[Notarial Seal]
EXHIBIT A-1
FORM OF CLASS A CERTIFICATE
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST"
IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS
860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE").
THE CURRENT PRINCIPAL AMOUNT OF THIS CERTIFICATE WILL BE DECREASED BY THE PRINCIPAL
PAYMENTS HEREON AND REALIZED LOSSES ALLOCATED HERETO AND INCREASED TO THE EXTENT OF NET DEFERRED
INTEREST ALLOCATED HERETO AS SET FORTH IN THE AGREEMENT. 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 TRUSTEE NAMED HEREIN.
UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY
TRUST COMPANY TO THE TRUSTEE OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN
AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE
REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.
Certificate No. 1 Variable Pass-Through Rate
Class A-[1][2]
[Super][Senior][Support]
Aggregate Initial Current Principal Amount of this
Date of Pooling and Servicing Agreement and Cut-off Date: Certificate as of the Cut-off Date:
November 1, 2006 $___________
First Distribution Date: Initial Current Principal Amount of this Certificate as
December 26, 2006 of the Cut-off Date: $____________
Servicer: CUSIP: _____________
EMC Mortgage Corporation
Assumed Final Distribution Date:
[December 26, 2036] [December 28, 2037]
BEAR XXXXXXX MORTGAGE FUNDING TRUST 2006-AR4
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2006-AR4
evidencing a fractional undivided interest in the distributions allocable to the Class
A-[1][2] Certificates with respect to a Trust Fund consisting primarily of a pool of
adjustable interest rate mortgage loans secured by first liens on one- to four-family
residential properties (the "Mortgage Loans") and 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 an interest in Structured Asset Mortgage Investments II Inc. ("XXXX XX"),
the 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 XXXX XX, the Servicer or the Trustee or any of their affiliates or any other person. None of XXXX
XX, the 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 the Mortgage Loans sold by XXXX XX.
The Mortgage Loans were sold by EMC Mortgage Corporation ("EMC") to XXXX XX. EMC will act as servicer of
the Mortgage Loans (the "Servicer," which term includes any successors thereto under the Agreement
referred to below). The Trust Fund was created pursuant to the Pooling and Servicing Agreement dated as
of the Cut-off Date specified above (the "Agreement"), among XXXX XX, as depositor (the "Seller"), EMC
and Xxxxx Fargo 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 period from and including the
preceding Distribution Date (as hereinafter defined) (or in the case of the first Distribution Date,
from the Closing Date) to and including the day prior to the current Distribution Date on the Current
Principal Amount hereof at a per annum rate equal to the Pass-Through Rate set forth in the Agreement.
The Trustee will distribute on the 25th day of each month, or, if such 25th day is not a Business Day,
the immediately following Business Day (each, a "Distribution Date"), commencing on the first
Distribution Date specified above, to the Person in whose name this Certificate is registered at the
close of business on the Business Day immediately preceding the related Distribution Date so long as
such Certificate remains in book-entry form (and otherwise, the close of business on the last Business
Day of the month immediately preceding the month of such Distribution Date), an amount equal to the
product of the Fractional Undivided Interest evidenced by this Certificate and the amount (of interest,
if any) required to be distributed to the Holders of Certificates of the same Class as this Certificate.
The Assumed Final Distribution Date is the Distribution Date in the month following the latest scheduled
maturity date of any Mortgage Loan 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 Trustee 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 Trustee 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 Trustee of the pendency of such distribution and only upon presentation and surrender
of this Certificate at the office or agency appointed by the Trustee 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
Realized Losses allocated hereto and will be increased to the extent of Net Deferred Interest allocated
thereto, in each case, as set forth in the Agreement.
This Certificate is one of a duly authorized issue of Certificates designated as set
forth on the face hereof (the "Certificates"). The Certificates, in the aggregate, evidence the entire
beneficial ownership interest in the Trust Fund formed pursuant to the Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees that it will look
solely to the Trust Fund for payment hereunder and that the Trustee 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: (i) the amendment
thereof and the modification of the rights and obligations of the Seller, the Servicer and the Trustee
and the rights of the Certificateholders under the Agreement from time to time by the Seller, the
Servicer and the Trustee, and (ii) the amendment thereof by the Servicer 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 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 will be registered with the Trustee upon surrender of this Certificate for
registration of transfer at the offices or agencies maintained by the Trustee for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Trustee 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 Trustee may require payment of a sum sufficient to cover any tax or other governmental
charge payable in connection therewith. The Seller, the Servicer, 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 Seller, the Servicer, the Trustee or any such agent shall be affected by
notice to the contrary.
The obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to the termination of the
Agreement) shall terminate upon the earlier of (i) the later of (A) the maturity or other liquidation
(or Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and disposition
of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (B)
the remittance of all funds due under the Agreement, or (ii) the optional repurchase by the party named
in the Agreement of all the Mortgage Loans and other assets of the Trust Fund in accordance with the
terms of the Agreement. Such optional repurchase may be made only if (i) the Stated Principal Balance of
the Mortgage Loans in a Loan Group at the time of any such repurchase is less than 10% of the Cut-off
Date Balance of such Mortgage Loans or (ii) the Depositor, based upon an Opinion of Counsel addressed to
the Depositor and the Trustee has determined that the REMIC status of any REMIC under the Agreement has
been lost or that a substantial risk exists that such REMIC status will be lost for the then-current
taxable year. 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
Trustee 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 Trustee has caused this Certificate to be duly executed.
Dated: November 30, 2006 XXXXX FARGO BANK, NATIONAL ASSOCIATION
not in its individual capacity but solely
as Trustee
By:_________________________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class A-[1][2] Certificates referred to in the within-mentioned
Agreement.
XXXXX FARGO BANK, NATIONAL ASSOCIATION
Authorized signatory of Xxxxx Fargo Bank,
National Association, not in its
individual capacity but solely as Trustee
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 __________________, the assignee named above, or
________________________, as its agent.
EXHIBIT A-2
[RESERVED]
EXHIBIT A-3
FORM OF CLASS B CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A 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, AS AMENDED (THE "CODE").
THE CURRENT PRINCIPAL AMOUNT OF THIS CERTIFICATE WILL BE DECREASED BY THE PRINCIPAL
PAYMENTS HEREON AND REALIZED LOSSES ALLOCATED HERETO AND INCREASED TO THE EXTENT OF NET DEFERRED
INTEREST ALLOCATED HERETO AS SET FORTH IN THE AGREEMENT. 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 TRUSTEE NAMED HEREIN.
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY TO THE TRUSTEE OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT,
AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN
AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE
REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
EACH BENEFICIAL OWNER OF A CLASS B-[1][2][3][4][5] 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) SUCH CERTIFICATE IS RATED AT LEAST "BBB-" OR ITS EQUIVALENT BY FITCH, S&P AND
XXXXX'X, (II) IT IS NOT A PLAN OR INVESTING WITH "PLAN ASSETS"? OF ANY PLAN, (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.
Certificate No. 1 Variable Pass-Through Rate
Class B-[1][2][3][4][5]
Subordinate
Aggregate Initial Current Principal Amount of this
Date of Pooling and Servicing Agreement and Cut-off Date: Certificate as of the Cut-off Date:
November 1, 2006 $______________
First Distribution Date: Initial Current Principal Amount of this Certificate as
December 26, 2006 of the Cut-off Date: $_____________
Servicer: CUSIP: ___________
EMC Mortgage Corporation
Assumed Final Distribution Date:
December 26, 2036
BEAR XXXXXXX MORTGAGE FUNDING TRUST 2006-AR4
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2006-AR4
evidencing a fractional undivided interest in the distributions allocable to the Class
B-[1][2][3][4][5] Certificates with respect to a Trust Fund consisting primarily of a
pool of adjustable interest rate mortgage loans secured by first liens on one- to
four-family residential properties (the "Mortgage Loans") and 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 an interest in Structured Asset Mortgage Investments II Inc. ("XXXX XX"),
the 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 XXXX XX, the Servicer or the Trustee or any of their affiliates or any other person. None of XXXX
XX, the 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.][Bear, Xxxxxxx Securities Corp.] 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
the Mortgage Loans sold by XXXX XX. The Mortgage Loans were sold by EMC Mortgage Corporation ("EMC") to
XXXX XX. EMC will act as servicer of the Mortgage Loans (the "Servicer," which term includes any
successors thereto under the Agreement referred to below). The Trust Fund was created pursuant to the
Pooling and Servicing Agreement dated as of the Cut-off Date specified above (the "Agreement"), among
XXXX XX, as depositor (the "Seller"), EMC and Xxxxx Fargo 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 period from and including the
preceding Distribution Date (as hereinafter defined) (or in the case of the first Distribution Date,
from the Closing Date) to and including the day prior to the current Distribution Date on the Current
Principal Amount hereof at a per annum rate equal to the Pass-Through Rate set forth in the Agreement.
The Trustee will distribute on the 25th day of each month, or, if such 25th day is not a Business Day,
the immediately following Business Day (each, a "Distribution Date"), commencing on the first
Distribution Date specified above, to the Person in whose name this Certificate is registered at the
close of business on the Business Day immediately preceding the related Distribution Date so long as
such Certificate remains in book-entry form (and otherwise, the close of business on the last Business
Day of the month immediately preceding the month of such Distribution Date), an amount equal to the
product of the Fractional Undivided Interest evidenced by this Certificate and the amount required to be
distributed to the Holders of Certificates of the same Class as this Certificate. The Assumed Final
Distribution Date is the Distribution Date in the month following the latest scheduled maturity date of
any Mortgage Loan 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 Trustee 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 Trustee 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 Trustee of the pendency of such distribution and only upon presentation and surrender
of this Certificate at the office or agency appointed by the Trustee 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
Realized Losses allocated hereto and will be increased to the extent of Net Deferred Interest allocated
thereto, in each case, as set forth in the Agreement.
Each beneficial owner of a Class B-[1][2][3][4][5] 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) such Certificate is rated at least "BBB-" or its equivalent by Fitch,
S&P and Xxxxx'x, (ii) it is not a Plan or investing with "plan assets" of any Plan, (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.
This Certificate is one of a duly authorized issue of Certificates designated as set
forth on the face hereof (the "Certificates"). The Certificates, in the aggregate, evidence the entire
beneficial ownership interest in the Trust Fund formed pursuant to the Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees that it will look
solely to the Trust Fund for payment hereunder and that the Trustee 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: (i) the amendment
thereof and the modification of the rights and obligations of the Seller, the Servicer and the Trustee
and the rights of the Certificateholders under the Agreement from time to time by the Seller, the
Servicer and the Trustee, and (ii) the amendment thereof by the Servicer 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 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 will be registered with the Trustee upon surrender of this Certificate for
registration of transfer at the offices or agencies maintained by the Trustee for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Trustee 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 Trustee may require payment of a sum sufficient to cover any tax or other governmental
charge payable in connection therewith. The Seller, the Servicer, 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 Seller, the Trustee or any such agent shall be affected by notice to the
contrary.
The obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to the termination of the
Agreement) shall terminate upon the earlier of (i) the later of (A) the maturity or other liquidation
(or Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and disposition
of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (B)
the remittance of all funds due under the Agreement, or (ii) the optional repurchase by the party named
in the Agreement of all the Mortgage Loans and other assets of the Trust Fund in accordance with the
terms of the Agreement. Such optional repurchase may be made only if (i) the Stated Principal Balance of
the Mortgage Loans in a Loan Group at the time of any such repurchase is less than 10% of the Cut-off
Date Balance of such Mortgage Loans or (ii) the Depositor, based upon an Opinion of Counsel addressed to
the Depositor and the Trustee has determined that the REMIC status of any REMIC under the Agreement has
been lost or that a substantial risk exists that such REMIC status will be lost for the then-current
taxable year. 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
Trustee 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 Trustee has caused this Certificate to be duly executed.
Dated: November 30, 2006 XXXXX FARGO BANK, NATIONAL ASSOCIATION
not in its individual capacity but solely
as Trustee
By:_________________________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class B-[1][2][3][4][5] Certificates referred to in the
within-mentioned Agreement.
XXXXX FARGO BANK, NATIONAL ASSOCIATION
Authorized signatory of Xxxxx Fargo Bank,
National Association, not in its
individual capacity but solely as Trustee
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 __________________, the assignee named above, or
________________________, as its agent.
EXHIBIT A-4
FORM OF CLASS B-IO CERTIFICATE
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A 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, AS AMENDED (THE "CODE").
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED (THE "SECURITIES ACT"), OR UNDER ANY STATE SECURITIES LAWS. THE HOLDER HEREOF, BY
PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE MAY BE REOFFERED, RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY IN COMPLIANCE WITH THE SECURITIES ACT AND OTHER APPLICABLE LAWS AND ONLY (1) PURSUANT
TO RULE 144A UNDER THE SECURITIES ACT ("RULE 144A") TO A PERSON THAT THE HOLDER REASONABLY BELIEVES IS A
QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A "QIB"), PURCHASING FOR ITS OWN ACCOUNT
OR A QIB PURCHASING FOR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE
REOFFER, RESALE, PLEDGE OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A OR (2) 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 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 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 (A "PLAN") THAT IS SUBJECT TO TITLE I OF THE
EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, AND/OR SECTION 4975 OF THE INTERNAL REVENUE
CODE OF 1986, AS AMENDED (THE "CODE"), OR BY A PERSON USING "PLAN ASSETS" OF A PLAN, UNLESS THE PROPOSED
TRANSFEREE PROVIDES THE TRUSTEE WITH AN OPINION OF COUNSEL FOR THE BENEFIT OF THE TRUSTEE AND ON WHICH
IT MAY RELY WHICH IS SATISFACTORY TO THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE IS PERMISSIBLE
UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION
406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR SECTION 4975 OF THE CODE AND
WILL NOT SUBJECT THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE
AGREEMENT.
Certificate No. 1
Class B-IO Subordinate
Aggregate Initial Notional Amount of this Certificate
Date of Pooling and Servicing Agreement and Cut-off Date: as of the Cut-off Date:
November 1, 2006 $_____________
Initial Notional Amount of this Certificate as of the
First Distribution Date: Cut-off Date:
December 26, 2006 $______________
Servicer:
EMC Mortgage Corporation
Assumed Final Distribution Date: CUSIP: ____________
December 26, 2036
BEAR XXXXXXX MORTGAGE FUNDING TRUST 2006-AR4
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2006-AR4
evidencing a fractional undivided interest in the distributions allocable to the Class
B-IO Certificates with respect to a Trust Fund consisting primarily of a pool of
adjustable interest rate mortgage loans secured by first liens on one- to four-family
residential properties and 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 an interest in Structured Asset Mortgage Investments II Inc. ("XXXX XX"),
the 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 XXXX XX, the Servicer or the Trustee or any of their affiliates or any other person. None of XXXX
XX, the Servicer, the Trustee or any of their affiliates will have any obligation with respect to any
certificate or other obligation secured by or payable from payments on the Certificates.
This certifies that Bear, Xxxxxxx Securities Corp. is the registered owner of the
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 conventional
adjustable rate mortgage loans secured by first liens on one- to four- family residential properties
(collectively, the "Mortgage Loans") sold by XXXX XX. The Mortgage Loans were sold by EMC Mortgage
Corporation ("EMC") to XXXX XX. EMC will act as servicer of the Mortgage Loans (the "Servicer," which
term includes any successors thereto under the Agreement referred to below). The Trust Fund was created
pursuant to the Pooling and Servicing Agreement dated as of the Cut-off Date specified above (the
"Agreement"), among XXXX XX, as depositor (the "Seller"), EMC and Xxxxx Fargo 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 calendar month immediately
preceding such Distribution Date (as hereinafter defined) on the Notional Amount hereof at a per annum
rate equal to the Pass-Through Rate as set forth 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 month immediately preceding the month of the related Distribution Date, an
amount equal to the product of the Fractional Undivided Interest evidenced by this Certificate and the
amount of interest required to be distributed to the Holders of Certificates of the same Class as this
Certificate. The Assumed Final Distribution Date is the Distribution Date in the month following the
latest scheduled maturity date of any Mortgage Loan.
Distributions on this Certificate will be made by the Trustee 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 Trustee 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 Trustee of the pendency of such distribution and only upon presentation and surrender
of this Certificate at the office or agency appointed by the Trustee for that purpose and designated in
such notice. The Class [I][II]-B-IO Certificates have no Current Principal Amount. The Initial Notional
Amount of this Certificate is set forth above.
No transfer of this Certificate shall be made unless the transfer is made pursuant to
an effective registration statement under the Securities Act of 1933, as amended (the "1933 Act"), and
an effective registration or qualification under applicable state securities laws, or is made in a
transaction that does not require such registration or qualification. In the event that such a transfer
of this Certificate is to be made without registration or qualification, the Trustee shall require
receipt of (i) if such transfer is purportedly being made (a) in reliance upon Rule 144A under the 1933
Act or (b) to a transferee that is an "Institutional Accredited Investor" within the meaning of Rule
501(a)(1), (2), (3) or (7) of Regulation D under the 1933 Act, written certifications from the Holder of
the Certificate desiring to effect the transfer, and from such Holder's prospective transferee,
substantially in the forms attached to the Agreement as Exhibit F-1 or F-2, as applicable, and (ii) if
requested by the Trustee, an Opinion of Counsel satisfactory to it that such transfer may be made
without such registration or qualification (which Opinion of Counsel shall not be an expense of the
Trust Fund or of the Seller, the Trustee or the Servicer in their respective capacities as such),
together with copies of the written certification(s) of the Holder of the Certificate desiring to effect
the transfer and/or such Holder's prospective transferee upon which such Opinion of Counsel is based.
None of the Seller, the Securities Administrator or the Trustee is obligated to register or qualify the
Class of Certificates specified on the face hereof under the 1933 Act or any other securities law or to
take any action not otherwise required under the Agreement to permit the transfer of such Certificates
without registration or qualification. Any Holder desiring to effect a transfer of this Certificate
shall be required to indemnify the Trustee, the Seller and the Servicer against any liability that may
result if the transfer is not so exempt or is not made in accordance with such federal and state laws.
No transfer of this Class B-IO Certificate will be made unless the Trustee has
received either (i) opinion of counsel for the benefit of the Trustee and the Servicer and which they
may rely which is satisfactory to the Trustee that the purchase of this certificate is permissible under
local law, will not constitute or result in a non-exempt prohibited transaction under Section 406 of the
Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal
Revenue Code, as amended (the "Code") and will not subject the Servicer or the Trustee to any obligation
or liability in addition to those undertaken in the Agreement or (ii) a representation letter stating
that the transferee is not acquiring directly or indirectly by, or on behalf of, an employee benefit
plan or other retirement arrangement (a "Plan") that is subject to Title I of ERISA, and/or Section 4975
of the Code, or by a person using "plan assets" of a Plan.
This Certificate is one of a duly authorized issue of Certificates designated as set
forth on the face hereof (the "Certificates"). The Certificates, in the aggregate, evidence the entire
beneficial ownership interest in the Trust Fund formed pursuant to the Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees that it will look
solely to the Trust Fund for payment hereunder and that neither the Trustee nor the Servicer is liable
to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as
expressly provided in the Agreement, subject to any liability under the Agreement.
This Certificate does not purport to summarize the Agreement and reference is made to
the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties
evidenced hereby, and the rights, duties and immunities of the Trustee.
The Agreement permits, with certain exceptions therein provided: (i) the amendment
thereof and the modification of the rights and obligations of the Seller, the Servicer and the Trustee
and the rights of the Certificateholders under the Agreement from time to time by the Seller, the
Servicer and the Trustee, and (ii) the amendment thereof by the Servicer 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 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 Trustee upon surrender of this Certificate for
registration of transfer at the offices or agencies maintained by the Trustee for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Trustee 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 Trustee may require payment of a sum sufficient to cover any tax or other governmental
charge payable in connection therewith. The Seller, the Servicer, 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 Seller, the Servicer, the Trustee or any such agent shall be affected by
notice to the contrary.
The obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to the termination of the
Agreement) shall terminate upon the earlier of (i) the later of (A) the maturity or other liquidation
(or Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and disposition
of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (B)
the remittance of all funds due under the Agreement, or (ii) the optional repurchase by the party named
in the Agreement of all the Mortgage Loans and other assets of the Trust Fund in accordance with the
terms of the Agreement. Such optional repurchase may be made only if (i) the Stated Principal Balance of
the Mortgage Loans in a Loan Group at the time of any such repurchase is less than 10% of the Cut-off
Date Balance of such Mortgage Loans or (ii) the Depositor, based upon an Opinion of Counsel addressed to
the Depositor and the Trustee has determined that the REMIC status of any REMIC under the Agreement has
been lost or that a substantial risk exists that such REMIC status will be lost for the then-current
taxable year. 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 Trustee has caused this Certificate to be duly executed.
Dated: November 30, 2006 XXXXX FARGO BANK, NATIONAL ASSOCIATION
Not in its individual capacity but solely
as Trustee
By:_________________________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class B-IO Certificates referred to in the within-mentioned
Agreement.
XXXXX FARGO BANK, NATIONAL ASSOCIATION
Authorized signatory of Xxxxx Fargo Bank,
National Association, not in its
individual capacity but solely as Trustee
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 __________________, the assignee named above, or
________________________, as its agent.
EXHIBIT A-5
FORM OF CLASS R CERTIFICATE
THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON OR A
DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST"
IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS
860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE").
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED (THE "SECURITIES ACT"), OR UNDER ANY STATE SECURITIES LAWS. THE HOLDER HEREOF, BY
PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE MAY BE REOFFERED, RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY IN COMPLIANCE WITH THE SECURITIES ACT AND OTHER APPLICABLE LAWS AND ONLY (1) PURSUANT
TO RULE 144A UNDER THE SECURITIES ACT ("RULE 144A") TO A PERSON THAT THE HOLDER REASONABLY BELIEVES IS A
QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A "QIB"), PURCHASING FOR ITS OWN ACCOUNT
OR A QIB PURCHASING FOR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE
REOFFER, RESALE, PLEDGE OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A OR (2) 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 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 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 (A "PLAN") THAT IS SUBJECT TO TITLE I OF THE
EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, AND/OR SECTION 4975 OF THE INTERNAL REVENUE
CODE OF 1986, AS AMENDED (THE "CODE"), OR BY A PERSON USING "PLAN ASSETS" OF A PLAN, UNLESS THE PROPOSED
TRANSFEREE PROVIDES THE TRUSTEE WITH AN OPINION OF COUNSEL FOR THE BENEFIT OF THE TRUSTEE AND THE
SERVICER AND ON WHICH THEY MAY RELY WHICH IS SATISFACTORY TO THE TRUSTEE THAT THE PURCHASE OF THIS
CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT
PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED, OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION
OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE
PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE SERVICER AND THE TRUSTEE THAT (1) SUCH
TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY POSSESSION OF
THE UNITED STATES, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN
INSTRUMENTALITY WHICH IS A CORPORATION IF ALL OF ITS ACTIVITIES ARE SUBJECT TO TAX AND EXCEPT FOR
XXXXXXX MAC, A MAJORITY OF ITS BOARD OF DIRECTORS IS NOT SELECTED BY SUCH GOVERNMENTAL UNIT), (B) A
FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF EITHER OF THE
FOREGOING, (C) ANY ORGANIZATION (OTHER THAN CERTAIN FARMERS' COOPERATIVES DESCRIBED IN SECTION 521 OF
THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS
SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING THE TAX IMPOSED BY SECTION 511 OF THE
CODE ON UNRELATED BUSINESS TAXABLE INCOME), (D) RURAL ELECTRIC AND TELEPHONE COOPERATIVES DESCRIBED IN
SECTION 1381(a)(2)(C) OF THE CODE, (E) AN ELECTING LARGE PARTNERSHIP UNDER SECTION 775(a) OF THE CODE
(ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C), (D) OR (E) BEING HEREIN REFERRED TO
AS A "DISQUALIFIED ORGANIZATION"), OR (F) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) 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.
Certificate No. 1 Percentage Interest: 100%
Class R
Aggregate Initial Current Principal Amount of this
Date of Pooling and Servicing Agreement and Cut-off Date: Certificate as of the Cut-off Date:
November 1, 2006 $_______
Initial Current Principal Amount of this Certificate as
First Distribution Date: of the Cut-off Date:
December 26, 2006 $_______
Servicer: CUSIP: ___________
EMC Mortgage Corporation
Assumed Final Distribution Date:
December 26, 2036
BEAR XXXXXXX MORTGAGE FUNDING TRUST 2006-AR4
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2006-AR4
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 interest rate mortgage loans secured by first liens on one- to four- family
residential properties (the "Mortgage Loans") and 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 an interest in Structured Asset Mortgage Investments II Inc. ("XXXX XX"),
the 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 XXXX XX, the Servicer or the Trustee or any of their affiliates or any other person. None of XXXX
XX, the Servicer or any of their affiliates will have any obligation with respect to any certificate or
other obligation secured by or payable from payments on the Certificates.
This certifies that Bear, Xxxxxxx Securities Corp. is the registered owner of the
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 the Mortgage
Loans sold by XXXX XX. The Mortgage Loans were sold by EMC Mortgage Corporation ("EMC") to XXXX XX. EMC
will act as servicer of the Mortgage Loans (the "Servicer," which term includes any successors thereto
under the Agreement referred to below). The Trust Fund was created pursuant to the Pooling and Servicing
Agreement dated as of the Cut-off Date specified above (the "Agreement"), among XXXX XX, as depositor
(the "Seller"), EMC and Xxxxx Fargo 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.
Each Holder of this Certificate will be deemed to have agreed to be bound by the
restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any
ownership interest in this Certificate must be a United States Person and a Permitted Transferee, (ii)
the transfer of any ownership interest in this Certificate will be conditioned upon the delivery to the
Trustee of, among other things, an affidavit to the effect that it is a United States Person and
Permitted Transferee, (iii) any attempted or purported transfer of any ownership interest in this
Certificate in violation of such restrictions will be absolutely null and void and will vest no rights
in the purported transferee, and (iv) if any person other than a United States Person and a Permitted
Transferee acquires any ownership interest in this Certificate in violation of such restrictions, then
the Seller 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 Seller, which purchaser may be the
Seller, or any affiliate of the Seller, on such terms and conditions as the Seller may choose.
The Trustee will distribute on the 25th day of each month, or, if such 25th day is not
a Business Day, the immediately following Business Day (each, a "Distribution Date"), commencing on the
first Distribution Date specified above, to the Person in whose name this Certificate is registered at
the close of business on the last Business Day of the month immediately preceding the month of the
related Distribution Date, an amount equal to the product of the Fractional Undivided Interest evidenced
by this Certificate and the amount required to be distributed to the Holders of Certificates of the same
Class as this Certificate. The Assumed Final Distribution Date is the Distribution Date in the month
following the latest scheduled maturity date of any Mortgage Loan 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 Trustee 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 Trustee 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 Trustee of the pendency of such distribution and only upon presentation and surrender of
this Certificate at the office or agency appointed by the Trustee for that purpose and designated in
such notice.
No transfer of this Certificate shall be made unless the transfer is made pursuant to
an effective registration statement under the Securities Act of 1933, as amended (the "1933 Act"), and
an effective registration or qualification under applicable state securities laws, or is made in a
transaction that does not require such registration or qualification. In the event that such a transfer
of this Certificate is to be made without registration or qualification, the Trustee shall require
receipt of (i) if such transfer is purportedly being made (a) in reliance upon Rule 144A under the 1933
Act or (b) to a transferee that is an "Institutional Accredited Investor" within the meaning of Rule
501(a)(1), (2), (3) or (7) of Regulation D under the 1933 Act, written certifications from the Holder of
the Certificate desiring to effect the transfer, and from such Holder's prospective transferee,
substantially in the forms attached to the Agreement as Exhibit F-1 or F-2, as applicable, and (ii) if
requested by the Trustee, an Opinion of Counsel satisfactory to it that such transfer may be made
without such registration or qualification (which Opinion of Counsel shall not be an expense of the
Trust Fund or of the Seller or the Trustee in their respective capacities as such), together with copies
of the written certification(s) of the Holder of the Certificate desiring to effect the transfer and/or
such Holder's prospective transferee upon which such Opinion of Counsel is based. Neither the Seller nor
the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof
under the 1933 Act or any other securities law or to take any action not otherwise required under the
Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder
desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee and the
Seller against any liability that may result if the transfer is not so exempt or is not made in
accordance with such federal and state laws.
No transfer of this Class R Certificate will be made unless the Trustee has received
either (i) opinion of counsel for the benefit of the Trustee and the Servicer and which they may rely
which is satisfactory to the Trustee that the purchase of this certificate is permissible under local
law, will not constitute or result in a non-exempt prohibited transaction under Section 406 of the
Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal
Revenue Code, as amended (the "Code") and will not subject the Servicer or the Trustee to any obligation
or liability in addition to those undertaken in the Agreement or (ii) a representation letter stating
that the transferee is not acquiring directly or indirectly by, or on behalf of, an employee benefit
plan or other retirement arrangement (a "Plan") that is subject to Title I of ERISA, and/or Section 4975
of the Code, or by a person using "plan assets" of a Plan.
This Certificate is one of a duly authorized issue of Certificates designated as set
forth on the face hereof (the "Certificates"). The Certificates, in the aggregate, evidence the entire
beneficial ownership interest in the Trust Fund formed pursuant to the Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees that it will look
solely to the Trust Fund for payment hereunder and that the Trustee 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: (i) the amendment
thereof and the modification of the rights and obligations of the Seller, the Servicer and the Trustee
and the rights of the Certificateholders under the Agreement from time to time by the Seller, the
Servicer and the Trustee, and (ii) the amendment thereof by the Servicer 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 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 will be registered with the Trustee upon surrender of this Certificate for
registration of transfer at the offices or agencies maintained by the Trustee for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Trustee 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 Trustee may require payment of a sum sufficient to cover any tax or other governmental
charge payable in connection therewith. The Seller, the Servicer, 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 Seller, the Trustee or any such agent shall be affected by notice to the
contrary.
The obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to the termination of the
Agreement) shall terminate upon the earlier of (i) the later of (A) the maturity or other liquidation
(or Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and disposition
of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (B)
the remittance of all funds due under the Agreement, or (ii) the optional repurchase by the party named
in the Agreement of all the Mortgage Loans and other assets of the Trust Fund in accordance with the
terms of the Agreement. Such optional repurchase may be made only if (i) the Stated Principal Balance of
the Mortgage Loans in a Loan Group at the time of any such repurchase is less than 10% of the Cut-off
Date Balance of such Mortgage Loans or (ii) the Depositor, based upon an Opinion of Counsel addressed to
the Depositor and the Trustee has determined that the REMIC status of any REMIC under the Agreement has
been lost or that a substantial risk exists that such REMIC status will be lost for the then-current
taxable year. 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
Trustee 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 Trustee has caused this Certificate to be duly executed.
Dated: November 30, 2006 XXXXX FARGO BANK, NATIONAL ASSOCIATION
not in its individual capacity but solely
as Trustee
By:_________________________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class R Certificates referred to in the within-mentioned Agreement.
XXXXX FARGO BANK, NATIONAL ASSOCIATION
Authorized signatory of Xxxxx Fargo Bank,
National Association, not in its
individual capacity but solely as Trustee
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 __________________, the assignee named Above, or
________________________, as its agent.
EXHIBIT A-6
FORM OF CLASS R-X CERTIFICATE
THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON OR A
DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST"
IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS
860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE").
THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED (THE "SECURITIES ACT"), OR UNDER ANY STATE SECURITIES LAWS. THE HOLDER HEREOF, BY
PURCHASING THIS CERTIFICATE, AGREES THAT THIS CERTIFICATE MAY BE REOFFERED, RESOLD, PLEDGED OR OTHERWISE
TRANSFERRED ONLY IN COMPLIANCE WITH THE SECURITIES ACT AND OTHER APPLICABLE LAWS AND ONLY (1) PURSUANT
TO RULE 144A UNDER THE SECURITIES ACT ("RULE 144A") TO A PERSON THAT THE HOLDER REASONABLY BELIEVES IS A
QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A (A "QIB"), PURCHASING FOR ITS OWN ACCOUNT
OR A QIB PURCHASING FOR THE ACCOUNT OF A QIB, WHOM THE HOLDER HAS INFORMED, IN EACH CASE, THAT THE
REOFFER, RESALE, PLEDGE OR OTHER TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A OR (2) 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 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 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 (A "PLAN") THAT IS SUBJECT TO TITLE I OF THE
EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, AND/OR SECTION 4975 OF THE INTERNAL REVENUE
CODE OF 1986, AS AMENDED (THE "CODE"), OR BY A PERSON USING "PLAN ASSETS" OF A PLAN, UNLESS THE PROPOSED
TRANSFEREE PROVIDES THE TRUSTEE WITH AN OPINION OF COUNSEL FOR THE BENEFIT OF THE TRUSTEE AND THE
SERVICER AND ON WHICH THEY MAY RELY WHICH IS SATISFACTORY TO THE TRUSTEE THAT THE PURCHASE OF THIS
CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT
PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED, OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION
OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.
ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE
PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE SERVICER AND THE TRUSTEE THAT (1) SUCH
TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY POSSESSION OF
THE UNITED STATES, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN
INSTRUMENTALITY WHICH IS A CORPORATION IF ALL OF ITS ACTIVITIES ARE SUBJECT TO TAX AND EXCEPT FOR
XXXXXXX MAC, A MAJORITY OF ITS BOARD OF DIRECTORS IS NOT SELECTED BY SUCH GOVERNMENTAL UNIT), (B) A
FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF EITHER OF THE
FOREGOING, (C) ANY ORGANIZATION (OTHER THAN CERTAIN FARMERS' COOPERATIVES DESCRIBED IN SECTION 521 OF
THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS
SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING THE TAX IMPOSED BY SECTION 511 OF THE
CODE ON UNRELATED BUSINESS TAXABLE INCOME), (D) RURAL ELECTRIC AND TELEPHONE COOPERATIVES DESCRIBED IN
SECTION 1381(a)(2)(C) OF THE CODE, (E) AN ELECTING LARGE PARTNERSHIP UNDER SECTION 775(a) OF THE CODE
(ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C), (D) OR (E) BEING HEREIN REFERRED TO
AS A "DISQUALIFIED ORGANIZATION"), OR (F) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) 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.
Certificate No. 1 Percentage Interest: 100%
Class R-X
Aggregate Initial Current Principal Amount of this
Date of Pooling and Servicing Agreement and Cut-off Date: Certificate as of the Cut-off Date:
November 1, 2006 $_______
Initial Current Principal Amount of this Certificate as
First Distribution Date: of the Cut-off Date:
December 26, 2006 $_______
Servicer: CUSIP: ___________
EMC Mortgage Corporation
Assumed Final Distribution Date:
December 26, 2036
BEAR XXXXXXX MORTGAGE FUNDING TRUST 2006-AR4
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2006-AR4
evidencing a fractional undivided interest in the distributions allocable to the Class
R-X Certificates with respect to a Trust Fund consisting primarily of a pool of
adjustable interest rate mortgage loans secured by first liens on one- to four-family
residential properties (the "Mortgage Loans") and 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. ("XXXX XX"), the
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
XXXX XX, the Servicer or the Trustee or any of their affiliates or any other person. None of XXXX XX,
the Servicer or any of their affiliates will have any obligation with respect to any certificate or
other obligation secured by or payable from payments on the Certificates.
This certifies that Bear, Xxxxxxx Securities Corp. is the registered owner of the
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 the Mortgage
Loans sold by XXXX XX. The Mortgage Loans were sold by EMC Mortgage Corporation ("EMC") to XXXX XX. EMC
will act as servicer of the Mortgage Loans (the "Servicer," which term includes any successors thereto
under the Agreement referred to below). The Trust Fund was created pursuant to the Pooling and Servicing
Agreement dated as of the Cut-off Date specified above (the "Agreement"), among XXXX XX, as depositor
(the "Seller"), EMC and Xxxxx Fargo 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.
Each Holder of this Certificate will be deemed to have agreed to be bound by the
restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any
ownership interest in this Certificate must be a United States Person and a Permitted Transferee, (ii)
the transfer of any ownership interest in this Certificate will be conditioned upon the delivery to the
Trustee of, among other things, an affidavit to the effect that it is a United States Person and
Permitted Transferee, (iii) any attempted or purported transfer of any ownership interest in this
Certificate in violation of such restrictions will be absolutely null and void and will vest no rights
in the purported transferee, and (iv) if any person other than a United States Person and a Permitted
Transferee acquires any ownership interest in this Certificate in violation of such restrictions, then
the Seller 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 Seller, which purchaser may be the
Seller, or any affiliate of the Seller, on such terms and conditions as the Seller may choose.
The Trustee will distribute on the 25th day of each month, or, if such 25th day is not
a Business Day, the immediately following Business Day (each, a "Distribution Date"), commencing on the
first Distribution Date specified above, to the Person in whose name this Certificate is registered at
the close of business on the last Business Day of the month immediately preceding the month of the
related Distribution Date, an amount equal to the product of the Fractional Undivided Interest evidenced
by this Certificate and the amount required to be distributed to the Holders of Certificates of the same
Class as this Certificate. The Assumed Final Distribution Date is the Distribution Date in the month
following the latest scheduled maturity date of any Mortgage Loan 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 Trustee 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 Trustee 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 Trustee of the pendency of such distribution and only upon presentation and surrender of
this Certificate at the office or agency appointed by the Trustee for that purpose and designated in
such notice.
No transfer of this Certificate shall be made unless the transfer is made pursuant to
an effective registration statement under the Securities Act of 1933, as amended (the "1933 Act"), and
an effective registration or qualification under applicable state securities laws, or is made in a
transaction that does not require such registration or qualification. In the event that such a transfer
of this Certificate is to be made without registration or qualification, the Trustee shall require
receipt of (i) if such transfer is purportedly being made (a) in reliance upon Rule 144A under the 1933
Act or (b) to a transferee that is an "Institutional Accredited Investor" within the meaning of Rule
501(a)(1), (2), (3) or (7) of Regulation D under the 1933 Act, written certifications from the Holder of
the Certificate desiring to effect the transfer, and from such Holder's prospective transferee,
substantially in the forms attached to the Agreement as Exhibit F-1 or F-2, as applicable, and (ii) if
requested by the Trustee, an Opinion of Counsel satisfactory to it that such transfer may be made
without such registration or qualification (which Opinion of Counsel shall not be an expense of the
Trust Fund or of the Seller or the Trustee in their respective capacities as such), together with copies
of the written certification(s) of the Holder of the Certificate desiring to effect the transfer and/or
such Holder's prospective transferee upon which such Opinion of Counsel is based. Neither the Seller nor
the Trustee is obligated to register or qualify the Class of Certificates specified on the face hereof
under the 1933 Act or any other securities law or to take any action not otherwise required under the
Agreement to permit the transfer of such Certificates without registration or qualification. Any Holder
desiring to effect a transfer of this Certificate shall be required to indemnify the Trustee and the
Seller against any liability that may result if the transfer is not so exempt or is not made in
accordance with such federal and state laws.
No transfer of this Class R-X Certificate will be made unless the Trustee has received
either (i) opinion of counsel for the benefit of the Trustee and the Servicer and which they may rely
which is satisfactory to the Trustee that the purchase of this certificate is permissible under local
law, will not constitute or result in a non-exempt prohibited transaction under Section 406 of the
Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal
Revenue Code, as amended (the "Code") and will not subject the Servicer or the Trustee to any obligation
or liability in addition to those undertaken in the Agreement or (ii) a representation letter stating
that the transferee is not acquiring directly or indirectly by, or on behalf of, an employee benefit
plan or other retirement arrangement (a "Plan") that is subject to Title I of ERISA, and/or Section 4975
of the Code, or by a person using "plan assets" of a Plan.
This Certificate is one of a duly authorized issue of Certificates designated as set
forth on the face hereof (the "Certificates"). The Certificates, in the aggregate, evidence the entire
beneficial ownership interest in the Trust Fund formed pursuant to the Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees that it will look
solely to the Trust Fund for payment hereunder and that the Trustee 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: (i) the amendment
thereof and the modification of the rights and obligations of the Seller, the Servicer and the Trustee
and the rights of the Certificateholders under the Agreement from time to time by the Seller, the
Servicer and the Trustee, and (ii) the amendment thereof by the Servicer 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 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 will be registered with the Trustee upon surrender of this Certificate for
registration of transfer at the offices or agencies maintained by the Trustee for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Trustee 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 Trustee may require payment of a sum sufficient to cover any tax or other governmental
charge payable in connection therewith. The Seller, the Servicer, 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 Seller, the Trustee or any such agent shall be affected by notice to the
contrary.
The obligations created by the Agreement and the Trust Fund created thereby (other
than the obligations to make payments to Certificateholders with respect to the termination of the
Agreement) shall terminate upon the earlier of (i) the later of (A) the maturity or other liquidation
(or Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and disposition
of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (B)
the remittance of all funds due under the Agreement, or (ii) the optional repurchase by the party named
in the Agreement of all the Mortgage Loans and other assets of the Trust Fund in accordance with the
terms of the Agreement. Such optional repurchase may be made only if (i) the Stated Principal Balance of
the Mortgage Loans in a Loan Group at the time of any such repurchase is less than 10% of the Cut-off
Date Balance of such Mortgage Loans or (ii) the Depositor, based upon an Opinion of Counsel addressed to
the Depositor and the Trustee has determined that the REMIC status of any REMIC under the Agreement has
been lost or that a substantial risk exists that such REMIC status will be lost for the then-current
taxable year. 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
Trustee 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 Trustee has caused this Certificate to be duly executed.
Dated: November 30, 2006 XXXXX FARGO BANK, NATIONAL ASSOCIATION
not in its individual capacity but solely
as Trustee
By:_________________________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class R-X Certificates referred to in the within-mentioned
Agreement.
XXXXX FARGO BANK, NATIONAL ASSOCIATION
Authorized signatory of Xxxxx Fargo Bank,
National Association, not in its
individual capacity but solely as Trustee
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 __________________, the assignee named above, or
________________________, as its agent.
EXHIBIT A-7
[RESERVED]
EXHIBIT A-8
FORM OF CLASS XP CERTIFICATE
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 OR (2) 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 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 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 (A "PLAN") THAT IS SUBJECT TO TITLE I OF THE
EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, AND/OR SECTION 4975 OF THE INTERNAL REVENUE
CODE OF 1986, AS AMENDED (THE "CODE"), OR BY A PERSON USING "PLAN ASSETS" OF A PLAN, UNLESS THE PROPOSED
TRANSFEREE PROVIDES THE TRUSTEE WITH AN OPINION OF COUNSEL FOR THE BENEFIT OF THE TRUSTEE AND THE
SERVICER AND ON WHICH THEY MAY RELY WHICH IS SATISFACTORY TO THE TRUSTEE THAT THE PURCHASE OF THIS
CERTIFICATE IS PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT
PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED, OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION
OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.
Aggregate Initial Current Notional Amount of the Class
Certificate No. 1 XP Certificates as of the Cut-off Date:
$__________
Class XP Certificate
Date of Pooling and Servicing Agreement Percentage Interest of this Certificate:
and Cut-off Date: 100%
November 1, 2006
First Distribution Date:
December 26, 2006
Servicer: CUSIP: ___________
EMC Mortgage Corporation
Assumed Final Distribution Date:
December 26, 2036
BEAR XXXXXXX MORTGAGE FUNDING TRUST 2006-AR4
MORTGAGE PASS-THROUGH CERTIFICATE
SERIES 2006-AR4
evidencing a fractional undivided interest in the distributions allocable to the Class
XP Certificates with respect to a Trust Fund consisting primarily of a pool of
adjustable interest rate mortgage loans secured by first liens on one- to four- family
residential properties (the "Mortgage Loans") and 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. ("XXXX XX"), the
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
XXXX XX, the Servicer or the Trustee or any of their affiliates or any other person. None of XXXX XX,
the Servicer or any of their affiliates will have any obligation with respect to any certificate or
other obligation secured by or payable from payments on the Certificates.
This certifies that Bear, Xxxxxxx Securities Corp. is the registered owner of the
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 the Mortgage
Loans sold by XXXX XX. The Mortgage Loans were sold by EMC Mortgage Corporation ("EMC") to XXXX XX. EMC
will act as servicer of the Mortgage Loans (the "Servicer," which term includes any successors thereto
under the Agreement referred to below). The Trust Fund was created pursuant to the Pooling and Servicing
Agreement dated as of the Cut-off Date specified above (the "Agreement"), among XXXX XX, as depositor
(the "Seller"), EMC and Xxxxx Fargo, 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 Trustee will distribute on the 25th day of each month, or, if such 25th day is not
a Business Day, the immediately following Business Day (each, a "Distribution Date"), commencing on the
first Distribution Date specified above, to the Person in whose name this Certificate is registered at
the close of business on the last Business Day of the month immediately preceding the month of the
related Distribution Date, an amount equal to the product of the Fractional Undivided Interest evidenced
by this Certificate and the amount required to be distributed to the Holders of Certificates of the same
Class as this Certificate.
Distributions on this Certificate will be made by the Trustee 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 Trustee 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 Trustee of the pendency of such distribution and only upon presentation and surrender
of this Certificate at the office or agency appointed by the Trustee for that purpose and designated in
such notice.
No transfer of this Certificate shall be made unless the transfer is made pursuant to
an effective registration statement under the Securities Act of 1933, as amended (the "1933 Act"), and
an effective registration or qualification under applicable state securities laws, or is made in a
transaction that does not require such registration or qualification. In the event that such a transfer
of this Certificate is to be made without registration or qualification, the Trustee shall require
receipt of (i) if such transfer is purportedly being made (a) in reliance upon Rule 144A under the 1933
Act or (b) to a transferee that is an "Institutional Accredited Investor" within the meaning of Rule
501(a)(1), (2), (3) or (7) of Regulation D under the 1933 Act, written certifications from the Holder of
the Certificate desiring to effect the transfer, and from such Holder's prospective transferee,
substantially in the forms attached to the Agreement as Exhibit F-1 or F-2, as applicable, and (ii) if
requested by the Trustee, an Opinion of Counsel satisfactory to it that such transfer may be made
without such registration or qualification (which Opinion of Counsel shall not be an expense of the
Trust Fund or of the Seller, the Trustee or the Servicer in their respective capacities as such),
together with copies of the written certification(s) of the Holder of the Certificate desiring to effect
the transfer and/or such Holder's prospective transferee upon which such Opinion of Counsel is based.
None of the Seller or the Trustee is obligated to register or qualify the Class of Certificates
specified on the face hereof under the 1933 Act or any other securities law or to take any action not
otherwise required under the Agreement to permit the transfer of such Certificates without registration
or qualification. Any Holder desiring to effect a transfer of this Certificate shall be required to
indemnify the Trustee, the Seller and the Servicer against any liability that may result if the transfer
is not so exempt or is not made in accordance with such federal and state laws.
No transfer of this Class XP Certificate will be made unless the Trustee has received
either (i) opinion of counsel for the benefit of the Trustee and the Servicer and which they may rely
which is satisfactory to the Trustee that the purchase of this certificate is permissible under local
law, will not constitute or result in a non-exempt prohibited transaction under Section 406 of the
Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal
Revenue Code, as amended (the "Code") and will not subject the Servicer or the Trustee to any obligation
or liability in addition to those undertaken in the Agreement or (ii) a representation letter stating
that the transferee is not acquiring directly or indirectly by, or on behalf of, an employee benefit
plan or other retirement arrangement (a "Plan") that is subject to Title I of ERISA, and/or Section 4975
of the Code, or by a person using "plan assets" of a Plan.
This Certificate is one of a duly authorized issue of Certificates designated as set
forth on the face hereof (the "Certificates"). The Certificates, in the aggregate, evidence the entire
beneficial ownership interest in the Trust Fund formed pursuant to the Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees that it will look
solely to the Trust Fund for payment hereunder and that the Trustee 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: (i) the amendment
thereof and the modification of the rights and obligations of the Seller, the Servicer and the Trustee
and the rights of the Certificateholders under the Agreement from time to time by EMC, the Seller, the
Servicer and the Trustee, and (ii) the amendment thereof by the Servicer 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 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 will be registered with the Trustee upon surrender of this Certificate for
registration of transfer at the offices or agencies maintained by the Trustee for such purposes, duly
endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Trustee 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 Trustee may require payment of a sum sufficient to cover any tax or other governmental
charge payable in connection therewith. The Seller, the Servicer, 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 Seller, the Servicer, 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 mailing of the final payment or
other liquidation (or Advance with respect thereto) of the last Mortgage Loan remaining in the Trust
Fund or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any
Mortgage Loan, or (ii) the optional repurchase by the party named in the Agreement of all the Mortgage
Loans and all related REO Property remaining in the Trust in accordance with the terms of the Agreement.
Such optional repurchase may be made only if (i) the Stated Principal Balance of the Mortgage Loans in
a Loan Group at the time of any such repurchase is less than 10% of the Cut-off Date Balance of such
Mortgage Loans or (ii) the Depositor, based upon an Opinion of Counsel addressed to the Depositor and
the Trustee has determined that the REMIC status of any REMIC under the Agreement has been lost or that
a substantial risk exists that such REMIC status will be lost for the then-current taxable year. 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
Trustee 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 Trustee has caused this Certificate to be duly executed.
Dated: November 30, 2006 XXXXX FARGO BANK, NATIONAL ASSOCIATION
Not in its individual capacity but solely
as Trustee
By:_________________________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Class XP Certificates referred to in the within-mentioned Agreement.
XXXXX FARGO BANK, NATIONAL ASSOCIATION
Authorized signatory of Xxxxx Fargo Bank,
National Association, not in its
individual capacity but solely as Trustee
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 __________________, the assignee named above, or
________________________, as its agent.
EXHIBIT B
MORTGAGE LOAN SCHEDULE
LOAN_SEQ DEAL_INFO CURRENT_BALANCE PAYMENT STATED_ORIGINAL_TERM
____________________________________________________________________________________________________________________________________
16611603 GR5. 1YRHARD/2YRSOFT 399986.08 1788.08 360
16359531 GR4. 1YRHARD/1YRSOFT 387747.79 1844.05 360
16419779 GR5. 1YRHARD/2YRSOFT 400000 1583.34 360
16419798 GR4. 1YRHARD/1YRSOFT 348869.99 1413.76 360
16419821 GR4. 1YRHARD/1YRSOFT 251627.5 1019.69 360
16419838 GR3. 1YRHARD 288719.99 1350.01 360
16419866 GR3. 1YRHARD 285712.49 1157.82 360
16419879 GR5. 1YRHARD/2YRSOFT 187600 801.21 360
16400134 GR3. 1YRHARD 296479.76 1167.71 360
16540023 GR3. 1YRHARD 339120 1518.98 360
16394551 GR5. 1YRHARD/2YRSOFT 406039.41 1472.92 360
16543509 GR5. 1YRHARD/2YRSOFT 296740 1140.83 360
16545858 GR1. NOPP 581449.99 2295.84 360
16548392 GR3. 1YRHARD 497240 2015 360
16548421 GR5. 1YRHARD/2YRSOFT 288993.79 1121.95 360
16567196 GR3. 1YRHARD 224559.99 770.01 360
16567279 GR3. 1YRHARD 621549.99 2970.84 360
16568545 GR5. 1YRHARD/2YRSOFT 421049.99 1575.01 360
16568548 GR1. NOPP 255440 1223.99 360
16568470 GR5. 1YRHARD/2YRSOFT 508468 2007.67 360
16568613 GR3. 1YRHARD 284709.99 1094.59 360
16568683 GR5. 1YRHARD/2YRSOFT 368117.99 1415.26 360
16569740 GR5. 1YRHARD/2YRSOFT 332830 1314.17 360
16569767 GR5. 1YRHARD/2YRSOFT 707465.23 2859.73 360
16571443 GR5. 1YRHARD/2YRSOFT 388000 1576.26 360
16574612 GR5. 1YRHARD/2YRSOFT 185600 754.01 360
16590792 GR2. SOFTPP/OTHER 190073.99 770.26 360
16590800 GR5. 1YRHARD/2YRSOFT 558993.99 2788.01 360
16574720 GR5. 1YRHARD/2YRSOFT 455920 1757.2 360
16585329 GR5. 1YRHARD/2YRSOFT 168419.99 682.51 360
16585346 GR5. 1YRHARD/2YRSOFT 605510 2516.67 360
16585353 GR5. 1YRHARD/2YRSOFT 457138.99 1947.5 360
16594390 GR3. 1YRHARD 384000 1600.01 360
16594423 GR1. NOPP 184000 613.34 360
16594440 GR5. 1YRHARD/2YRSOFT 148800 558.01 360
16595890 GR1. NOPP 678492 2679 360
16596005 GR5. 1YRHARD/2YRSOFT 585460 2494.17 360
16595916 GR5. 1YRHARD/2YRSOFT 309239.05 1411.67 360
16596083 GR5. 1YRHARD/2YRSOFT 213664.85 622.71 360
16595904 GR1. NOPP 208520 888.33 360
16597006 GR5. 1YRHARD/2YRSOFT 363600 1325.63 360
16597070 GR5. 1YRHARD/2YRSOFT 260000 1056.26 360
16596928 GR1. NOPP 199497.5 621.88 360
16597105 GR5. 1YRHARD/2YRSOFT 283106 1529.67 360
16599198 GR5. 1YRHARD/2YRSOFT 2005000 6666.67 360
16599131 GR5. 1YRHARD/2YRSOFT 440298 2058.75 360
16599286 GR1. NOPP 204000 828.76 360
16599292 GR5. 1YRHARD/2YRSOFT 454733.99 1606.51 360
16599145 GR3. 1YRHARD 545360 2210 360
16600671 GR5. 1YRHARD/2YRSOFT 228000 831.25 360
16600700 GR3. 1YRHARD 341000.37 1204.7 360
16600595 GR5. 1YRHARD/2YRSOFT 360900 1462.5 360
16601721 GR3. 1YRHARD 292000 1247.09 360
16601668 GR5. 1YRHARD/2YRSOFT 228570 926.25 360
16601733 GR3. 1YRHARD 234985.99 952.26 360
16601768 GR3. 1YRHARD 501249.99 2031.26 360
16601795 GR4. 1YRHARD/1YRSOFT 465360.5 2079.23 360
16603629 GR5. 1YRHARD/2YRSOFT 315787.49 1082.82 360
16603632 GR5. 1YRHARD/2YRSOFT 421200 1711.13 360
16603634 GR3. 1YRHARD 183658 667.92 360
16603643 GR1. NOPP 501249.99 2187.51 360
16603582 GR5. 1YRHARD/2YRSOFT 352478.99 1355.13 360
16603756 GR1. NOPP 489219.99 1880.84 360
16603767 GR1. NOPP 560598 2213.5 360
16603604 GR5. 1YRHARD/2YRSOFT 402098.74 1796.58 360
16605485 GR5. 1YRHARD/2YRSOFT 501249.99 2083.34 360
16605499 GR1. NOPP 618843.25 2314.88 360
16605516 GR3. 1YRHARD 318043.12 1288.83 360
16605407 GR4. 1YRHARD/1YRSOFT 398201.02 1406.78 360
16605416 GR5. 1YRHARD/2YRSOFT 918290 3721.25 360
16605418 GR1. NOPP 625560 2860 360
16605430 GR3. 1YRHARD 476989.5 2230.31 360
16605431 GR5. 1YRHARD/2YRSOFT 327950 1468.94 360
16605450 GR1. NOPP 258644.99 940.63 360
16605581 GR2. SOFTPP/OTHER 169221.99 685.76 360
16609360 GR3. 1YRHARD 414633.99 1464.84 360
16609368 GR5. 1YRHARD/2YRSOFT 228000 926.26 360
16609378 GR5. 1YRHARD/2YRSOFT 310775 1291.67 360
16609416 GR2. SOFTPP/OTHER 164409.99 666.26 360
16609288 GR5. 1YRHARD/2YRSOFT 640798 2663.33 360
16609293 GR5. 1YRHARD/2YRSOFT 368920 1418.33 360
16609428 GR3. 1YRHARD 456338 1612.17 360
16609456 GR5. 1YRHARD/2YRSOFT 203858.37 635.47 360
16609460 GR5. 1YRHARD/2YRSOFT 489219.99 2135.01 360
16609325 GR5. 1YRHARD/2YRSOFT 368920 1686.67 360
16610929 GR3. 1YRHARD 397110.3 1609.24 360
16611021 GR3. 1YRHARD 328000 1298.34 360
16611038 GR5. 1YRHARD/2YRSOFT 104000 498.34 360
16611076 GR3. 1YRHARD 721799.99 2700.01 360
16610955 GR5. 1YRHARD/2YRSOFT 352880 1283.33 360
16611078 GR1. NOPP 335000 1291.15 360
16610958 GR5. 1YRHARD/2YRSOFT 461150 1868.75 360
16610962 GR5. 1YRHARD/2YRSOFT 478794 2089.51 360
16611097 GR5. 1YRHARD/2YRSOFT 170800 658.3 360
16611101 GR1. NOPP 391404 1671.63 360
16611115 GR1. NOPP 275000 830.73 360
16611175 GR5. 1YRHARD/2YRSOFT 275720.3 1063.45 360
16612449 GR5. 1YRHARD/2YRSOFT 532929 2159.63 360
16612452 GR5. 1YRHARD/2YRSOFT 568000 2130.01 360
16612397 GR5. 1YRHARD/2YRSOFT 221103.78 962.5 360
16612496 GR1. NOPP 385776 1245.74 360
16612512 GR1. NOPP 180800 678.01 360
16612516 GR3. 1YRHARD 206000 815.42 360
16612517 GR5. 1YRHARD/2YRSOFT 563003.99 2281.51 360
16612591 GR5. 1YRHARD/2YRSOFT 796000 3399.59 360
16612605 GR5. 1YRHARD/2YRSOFT 424000 1722.51 360
16615778 GR5. 1YRHARD/2YRSOFT 453130 2071.67 360
16615849 GR3. 1YRHARD 452000 1836.26 360
16615851 GR3. 1YRHARD 400000 1791.67 360
16615718 GR3. 1YRHARD 321401.5 1269.04 360
16615870 GR1. NOPP 197600 885.09 360
16615877 GR3. 1YRHARD 225000 773.44 360
16615918 GR5. 1YRHARD/2YRSOFT 255838 1089.92 360
16615739 GR5. 1YRHARD/2YRSOFT 319200 1396.5 360
16628499 GR5. 1YRHARD/2YRSOFT 377120 1453.49 360
16628501 GR5. 1YRHARD/2YRSOFT 146000 623.55 360
16628512 GR5. 1YRHARD/2YRSOFT 372929.99 1433.76 360
16628418 GR5. 1YRHARD/2YRSOFT 613530 2805 360
16628533 GR2. SOFTPP/OTHER 133332.5 623.44 360
16628545 GR5. 1YRHARD/2YRSOFT 325500 1186.72 360
16628552 GR5. 1YRHARD/2YRSOFT 284709.99 1065.01 360
16628553 GR3. 1YRHARD 292679.87 1003.58 360
16628555 GR1. NOPP 236000 934.17 360
16628451 GR5. 1YRHARD/2YRSOFT 553380 2185 360
16628587 GR3. 1YRHARD 197760 968.2 360
16628596 GR5. 1YRHARD/2YRSOFT 192800 622.59 360
16628626 GR3. 1YRHARD 769919.99 3360.01 360
16628631 GR5. 1YRHARD/2YRSOFT 613381 2491.87 360
16628467 GR4. 1YRHARD/1YRSOFT 883603.32 3948.12 360
16628637 GR3. 1YRHARD 412177.87 1884.44 360
16628646 GR1. NOPP 364000 1289.17 360
16628648 GR5. 1YRHARD/2YRSOFT 533329.99 1939.59 360
16631156 GR5. 1YRHARD/2YRSOFT 650000 2437.51 360
16631189 GR3. 1YRHARD 312000 1267.51 360
16631222 GR5. 1YRHARD/2YRSOFT 372000 1511.26 360
16631245 GR3. 1YRHARD 140640 571.36 360
16631250 GR3. 1YRHARD 198093.99 761.59 360
16631256 GR1. NOPP 320800 1366.67 360
16631258 GR2. SOFTPP/OTHER 215336.99 827.88 360
16631267 GR5. 1YRHARD/2YRSOFT 234585 950.63 360
16630968 GR5. 1YRHARD/2YRSOFT 376940 1684.17 360
16631285 GR3. 1YRHARD 409020 1742.5 360
16633978 GR3. 1YRHARD 275837.87 1089.14 360
16633987 GR5. 1YRHARD/2YRSOFT 272278.99 1075.09 360
16633993 GR1. NOPP 250000 1015.63 360
16633997 GR2. SOFTPP/OTHER 1002499.99 4062.51 360
16634000 GR5. 1YRHARD/2YRSOFT 240000 1000.01 360
16634003 GR5. 1YRHARD/2YRSOFT 400999.99 1833.34 360
16634005 GR1. NOPP 1789462.49 6507.82 360
16634011 GR4. 1YRHARD/1YRSOFT 550973.99 2404.51 360
16634013 GR5. 1YRHARD/2YRSOFT 421050 1793.75 360
16634018 GR5. 1YRHARD/2YRSOFT 664000 2559.17 360
16634025 GR3. 1YRHARD 244000 1042.09 360
16634047 GR4. 1YRHARD/1YRSOFT 316790 1217.92 360
16634052 GR1. NOPP 445110 1896.25 360
16634065 GR5. 1YRHARD/2YRSOFT 457600 2145.01 360
16633678 GR5. 1YRHARD/2YRSOFT 357500 1601.3 360
16634075 GR3. 1YRHARD 218320 909.67 360
16634083 GR5. 1YRHARD/2YRSOFT 190074 632 360
16634085 GR3. 1YRHARD 375734.62 1488.34 360
16633683 GR5. 1YRHARD/2YRSOFT 637590 2650 360
16634104 GR5. 1YRHARD/2YRSOFT 320799.99 1400.01 360
16633692 GR5. 1YRHARD/2YRSOFT 409020 1827.5 360
16634126 GR5. 1YRHARD/2YRSOFT 320000 1266.67 360
16634143 GR3. 1YRHARD 449209.22 1960.39 360
16638025 GR5. 1YRHARD/2YRSOFT 288000 1020.01 360
16638038 GR3. 1YRHARD 404000 1683.34 360
16637957 GR3. 1YRHARD 613530 2677.5 360
16638090 GR1. NOPP 584000 2190.01 360
16640557 GR5. 1YRHARD/2YRSOFT 232000 1015.01 360
16640563 GR1. NOPP 250000 781.26 360
16640428 GR5. 1YRHARD/2YRSOFT 469170 2096.25 360
16640597 GR3. 1YRHARD 495098.66 2572.21 360
16640601 GR5. 1YRHARD/2YRSOFT 152000 617.51 360
16640444 GR5. 1YRHARD/2YRSOFT 601500 2250 360
16638114 GR4. 1YRHARD/1YRSOFT 300000 1156.26 360
16638118 GR1. NOPP 413000 1333.65 360
16638130 GR1. NOPP 166415 795.42 360
16637991 GR5. 1YRHARD/2YRSOFT 350875 1531.25 360
16638002 GR1. NOPP 137944 544.67 360
16638166 GR5. 1YRHARD/2YRSOFT 448800 2150.51 360
16640486 GR2. SOFTPP/OTHER 252128.75 916.93 360
16640499 GR3. 1YRHARD 1000000 3645.84 360
16640500 GR5. 1YRHARD/2YRSOFT 352000 1430.01 360
16640506 GR1. NOPP 192000 620.01 360
16640510 GR5. 1YRHARD/2YRSOFT 332830 1210.42 360
16640523 GR4. 1YRHARD/1YRSOFT 149600 561.01 360
16640547 GR1. NOPP 328000 1230.01 360
16640405 GR5. 1YRHARD/2YRSOFT 292730 1247.08 360
16640406 GR5. 1YRHARD/2YRSOFT 356088 1480 360
16643355 GR1. NOPP 408000 1530.01 360
16643357 GR1. NOPP 477189.99 2082.51 360
16643411 GR5. 1YRHARD/2YRSOFT 308000 1219.17 360
16643420 GR5. 1YRHARD/2YRSOFT 568000 2248.34 360
16643422 GR3. 1YRHARD 356000 1409.17 360
16643424 GR5. 1YRHARD/2YRSOFT 116792 437.98 360
16643429 GR5. 1YRHARD/2YRSOFT 497159.79 1549.76 360
16643434 GR5. 1YRHARD/2YRSOFT 232000 1039.17 360
16643294 GR2. SOFTPP/OTHER 156868.19 586.79 360
16643397 GR3. 1YRHARD 357000 1301.57 360
16643437 GR1. NOPP 418042.49 1694.07 360
16643448 GR5. 1YRHARD/2YRSOFT 262400 1093.34 360
16643456 GR1. NOPP 320000 1166.67 360
16643459 GR5. 1YRHARD/2YRSOFT 159920 849.58 360
16643462 GR5. 1YRHARD/2YRSOFT 632000 2370.01 360
16643318 GR1. NOPP 190394.8 850.68 360
16643467 GR5. 1YRHARD/2YRSOFT 468800 1758.01 360
16643488 GR3. 1YRHARD 348000 1377.5 360
16643496 GR5. 1YRHARD/2YRSOFT 212000 795.01 360
16643507 GR5. 1YRHARD/2YRSOFT 340000 1381.26 360
16643511 GR5. 1YRHARD/2YRSOFT 248000 981.67 360
16645772 GR5. 1YRHARD/2YRSOFT 300000 1062.51 360
16645777 GR5. 1YRHARD/2YRSOFT 292729.99 1186.26 360
16645779 GR4. 1YRHARD/1YRSOFT 172430 824.17 360
16645792 GR3. 1YRHARD 396937.37 1526.26 360
16645710 GR3. 1YRHARD 520000 2166.67 360
16645810 GR4. 1YRHARD/1YRSOFT 205960 901.08 360
16645832 GR3. 1YRHARD 313600 1110.67 360
16648186 GR5. 1YRHARD/2YRSOFT 413029.99 1673.76 360
16648075 GR1. NOPP 550400 2522.67 360
16648191 GR5. 1YRHARD/2YRSOFT 463920 1691.38 360
16648224 GR3. 1YRHARD 376000 1449.17 360
16648082 GR5. 1YRHARD/2YRSOFT 592000 2405 360
16648249 GR1. NOPP 162061.6 776.55 360
16648250 GR3. 1YRHARD 283676.42 1208.52 360
16648092 GR5. 1YRHARD/2YRSOFT 91266.6 331.91 360
16648274 GR5. 1YRHARD/2YRSOFT 426400 1821.09 360
16648300 GR5. 1YRHARD/2YRSOFT 213251.8 864.18 360
16648305 GR5. 1YRHARD/2YRSOFT 372930 1588.75 360
16648120 GR5. 1YRHARD/2YRSOFT 429070 1872.5 360
16648310 GR5. 1YRHARD/2YRSOFT 368000 1456.67 360
16645856 GR3. 1YRHARD 236000 1007.92 360
16645863 GR5. 1YRHARD/2YRSOFT 373600 1401.01 360
16645865 GR5. 1YRHARD/2YRSOFT 440000 1741.67 360
16645869 GR5. 1YRHARD/2YRSOFT 186320 737.52 360
16645893 GR5. 1YRHARD/2YRSOFT 300749.99 968.76 360
16649577 GR5. 1YRHARD/2YRSOFT 317500 1058.34 360
16649592 GR5. 1YRHARD/2YRSOFT 332829.99 1279.59 360
16649596 GR3. 1YRHARD 621549.99 2583.34 360
16649597 GR1. NOPP 495920 2169.66 360
16649600 GR2. SOFTPP/OTHER 170424.99 602.09 360
16649614 GR1. NOPP 619895.87 2318.82 360
16649651 GR1. NOPP 360000 1162.51 360
16649657 GR5. 1YRHARD/2YRSOFT 133131.99 539.51 360
16649662 GR3. 1YRHARD 348000 1450.01 360
16649672 GR4. 1YRHARD/1YRSOFT 421050 1662.5 360
16649679 GR3. 1YRHARD 280699.99 1108.34 360
16649681 GR3. 1YRHARD 454720 1989.41 360
16649685 GR5. 1YRHARD/2YRSOFT 417000 1650.63 360
16649710 GR5. 1YRHARD/2YRSOFT 225000 890.63 360
16649722 GR5. 1YRHARD/2YRSOFT 195708 754.3 360
16645920 GR5. 1YRHARD/2YRSOFT 214125 669.15 360
16645925 GR4. 1YRHARD/1YRSOFT 398400 1452.5 360
16645928 GR5. 1YRHARD/2YRSOFT 880000 3483.34 360
16649734 GR3. 1YRHARD 621550 2454.17 360
16650933 GR4. 1YRHARD/1YRSOFT 245600 1023.34 360
16650943 GR5. 1YRHARD/2YRSOFT 380000 1464.59 360
16650945 GR5. 1YRHARD/2YRSOFT 170400 763.26 360
16650844 GR5. 1YRHARD/2YRSOFT 392980 1755.83 360
16650946 GR1. NOPP 96000 340.01 360
16650966 GR1. NOPP 146000 608.34 360
16650969 GR3. 1YRHARD 305600 1209.67 360
16650976 GR5. 1YRHARD/2YRSOFT 170400 639.01 360
16650866 GR3. 1YRHARD 512000 2400 360
16650986 GR1. NOPP 435000 1721.88 360
16651014 GR5. 1YRHARD/2YRSOFT 396800 1777.34 360
16651023 GR5. 1YRHARD/2YRSOFT 241600 906.01 360
16651036 GR3. 1YRHARD 296000 1171.67 360
16651041 GR3. 1YRHARD 576000 2640 360
16651051 GR5. 1YRHARD/2YRSOFT 467200 1606.01 360
16650897 GR1. NOPP 401600 1380.5 360
16653436 GR4. 1YRHARD/1YRSOFT 440000 1741.67 360
16653550 GR5. 1YRHARD/2YRSOFT 145018 528.72 360
16653563 GR5. 1YRHARD/2YRSOFT 556000 2374.59 360
16653566 GR4. 1YRHARD/1YRSOFT 228000 973.75 360
16653589 GR5. 1YRHARD/2YRSOFT 224000 723.34 360
16653601 GR3. 1YRHARD 164000 580.84 360
16653605 GR5. 1YRHARD/2YRSOFT 256000 1173.34 360
16648143 GR1. NOPP 332829.99 1348.76 360
16648068 GR4. 1YRHARD/1YRSOFT 171227.5 641.25 360
16648158 GR3. 1YRHARD 446000 1626.05 360
16648174 GR3. 1YRHARD 408000 1317.51 360
16653450 GR5. 1YRHARD/2YRSOFT 434684 1942.17 360
16653634 GR4. 1YRHARD/1YRSOFT 256000 1013.34 360
16653647 GR4. 1YRHARD/1YRSOFT 300000 1312.51 360
16653650 GR1. NOPP 313600 1535.34 360
16653660 GR5. 1YRHARD/2YRSOFT 503254.99 1934.8 360
16653666 GR1. NOPP 202000 778.55 360
16653482 GR5. 1YRHARD/2YRSOFT 501250 1822.92 360
16653677 GR1. NOPP 233600 803.01 360
16653679 GR5. 1YRHARD/2YRSOFT 344000 1254.17 360
16653689 GR4. 1YRHARD/1YRSOFT 720000 3150.01 360
16653694 GR5. 1YRHARD/2YRSOFT 600000 2437.51 360
16653699 GR5. 1YRHARD/2YRSOFT 189600 770.26 360
16655770 GR5. 1YRHARD/2YRSOFT 385600 1285.34 360
16655774 GR3. 1YRHARD 142400 504.34 360
16655783 GR4. 1YRHARD/1YRSOFT 503655.99 1884.01 360
16655793 GR1. NOPP 517600 2102.76 360
16655802 GR5. 1YRHARD/2YRSOFT 353448 1325.44 360
16655806 GR3. 1YRHARD 240000 1125.01 360
16655810 GR5. 1YRHARD/2YRSOFT 253784.87 1028.44 360
16655814 GR4. 1YRHARD/1YRSOFT 271920 934.73 360
16655821 GR5. 1YRHARD/2YRSOFT 151200 661.51 360
16655825 GR5. 1YRHARD/2YRSOFT 244000 889.59 360
16655842 GR3. 1YRHARD 380000 1543.76 360
16655853 GR4. 1YRHARD/1YRSOFT 366514 1218.67 360
16655859 GR3. 1YRHARD 289600 1176.51 360
16655868 GR5. 1YRHARD/2YRSOFT 443200 1662.01 360
16655871 GR5. 1YRHARD/2YRSOFT 403155.37 1549.96 360
16655896 GR3. 1YRHARD 264000 1017.51 360
16655904 GR1. NOPP 520000 2437.51 360
16655908 GR1. NOPP 277600 954.26 360
16655925 GR3. 1YRHARD 489219.99 1982.51 360
16655940 GR5. 1YRHARD/2YRSOFT 178000 704.59 360
16658157 GR4. 1YRHARD/1YRSOFT 317000 1221.78 360
16658162 GR4. 1YRHARD/1YRSOFT 384000 1440.01 360
16658172 GR2. SOFTPP/OTHER 464000 2126.67 360
16658174 GR5. 1YRHARD/2YRSOFT 413600 1981.84 360
16658188 GR3. 1YRHARD 319350 1230.83 360
16658229 GR3. 1YRHARD 374000 1324.59 360
16658242 GR3. 1YRHARD 192000 780.01 360
16658128 GR5. 1YRHARD/2YRSOFT 517290 2472.5 360
16658300 GR1. NOPP 334000 1496.05 360
16658306 GR5. 1YRHARD/2YRSOFT 199999 583.34 360
16658131 GR5. 1YRHARD/2YRSOFT 224200 1143.33 360
16658324 GR5. 1YRHARD/2YRSOFT 142400 756.51 360
16658329 GR3. 1YRHARD 308000 1219.17 360
16658336 GR5. 1YRHARD/2YRSOFT 352000 1503.34 360
16661819 GR5. 1YRHARD/2YRSOFT 401000 1916.67 360
16661739 GR5. 1YRHARD/2YRSOFT 195000 690.63 360
16661836 GR1. NOPP 380000 1860.42 360
16661879 GR1. NOPP 360000 1350.01 360
16661759 GR5. 1YRHARD/2YRSOFT 222500 950.26 360
16661914 GR3. 1YRHARD 325000 1117.19 360
16661928 GR2. SOFTPP/OTHER 367500 1569.54 360
16661930 GR1. NOPP 388000 1495.42 360
16661940 GR5. 1YRHARD/2YRSOFT 492000 1947.5 360
16661944 GR5. 1YRHARD/2YRSOFT 320000 1166.67 360
16663570 GR3. 1YRHARD 392000 1470.01 360
16663573 GR3. 1YRHARD 168000 717.5 360
16663591 GR4. 1YRHARD/1YRSOFT 656000 3006.67 360
16663608 GR1. NOPP 212000 817.09 360
16663449 GR5. 1YRHARD/2YRSOFT 600000 2625 360
16663476 GR5. 1YRHARD/2YRSOFT 640000 3066.67 360
16663627 GR5. 1YRHARD/2YRSOFT 508000 1693.34 360
16663640 GR5. 1YRHARD/2YRSOFT 320000 1300.01 360
16663643 GR1. NOPP 184400 806.76 360
16663649 GR3. 1YRHARD 560000 2275.01 360
16663671 GR3. 1YRHARD 800000 3000.01 360
16663686 GR2. SOFTPP/OTHER 376000 2075.84 360
16663689 GR1. NOPP 340000 1097.92 360
16665269 GR5. 1YRHARD/2YRSOFT 242399 984.75 360
16665277 GR1. NOPP 293200 977.34 360
16665285 GR1. NOPP 210678 921.72 360
16665298 GR5. 1YRHARD/2YRSOFT 236000 835.84 360
16665308 GR5. 1YRHARD/2YRSOFT 317600 1389.51 360
16665320 GR5. 1YRHARD/2YRSOFT 567200 2127.01 360
16665330 GR5. 1YRHARD/2YRSOFT 752000 2820.01 360
16665337 GR5. 1YRHARD/2YRSOFT 650000 2505.21 360
16665338 GR5. 1YRHARD/2YRSOFT 312000 1040 360
16665341 GR5. 1YRHARD/2YRSOFT 212000 795.01 360
16665342 GR5. 1YRHARD/2YRSOFT 392371 1553.14 360
16665390 GR3. 1YRHARD 178800 726.38 360
16665408 GR3. 1YRHARD 558400 2326.67 360
16666579 GR3. 1YRHARD 500000 2135.42 360
16666586 GR4. 1YRHARD/1YRSOFT 299992 999.98 360
16666608 GR2. SOFTPP/OTHER 1000000 5416.67 360
16666641 GR5. 1YRHARD/2YRSOFT 204000 807.5 360
16666649 GR2. SOFTPP/OTHER 172000 698.76 360
16666652 GR3. 1YRHARD 292000 1095.01 360
16666669 GR4. 1YRHARD/1YRSOFT 368000 1725.01 360
16666515 GR1. NOPP 142240 563.03 360
16666689 GR3. 1YRHARD 999000 3954.38 360
16666710 GR4. 1YRHARD/1YRSOFT 344000 1397.51 360
16666713 GR5. 1YRHARD/2YRSOFT 536000 2400.84 360
16666716 GR3. 1YRHARD 502392 2040.97 360
16670010 GR1. NOPP 304000 1108.34 360
16670012 GR3. 1YRHARD 232000 918.34 360
16670019 GR3. 1YRHARD 568000 2366.67 360
16670051 GR1. NOPP 314000 1275.63 360
16670058 GR3. 1YRHARD 240000 975.01 360
16670072 GR5. 1YRHARD/2YRSOFT 457320 2191.33 360
16670079 GR1. NOPP 420952 1622.42 360
16670087 GR5. 1YRHARD/2YRSOFT 573000 2984.38 360
16670092 GR5. 1YRHARD/2YRSOFT 416000 1776.67 360
16670108 GR5. 1YRHARD/2YRSOFT 556000 1911.26 360
16670112 GR1. NOPP 124000 465.01 360
16670128 GR2. SOFTPP/OTHER 356000 1483.34 360
16670137 GR5. 1YRHARD/2YRSOFT 189600 711.01 360
16670140 GR5. 1YRHARD/2YRSOFT 616000 1989.17 360
16670152 GR5. 1YRHARD/2YRSOFT 248000 1007.51 360
16670167 GR1. NOPP 596000 2172.92 360
16670179 GR4. 1YRHARD/1YRSOFT 380000 1464.59 360
16670191 GR1. NOPP 546400 1935.17 360
16670204 GR5. 1YRHARD/2YRSOFT 492481 1692.91 360
16670208 GR1. NOPP 176250 734.38 360
16670235 GR3. 1YRHARD 356000 1409.17 360
16671409 GR1. NOPP 270400 873.17 360
16671312 GR1. NOPP 324800 1251.83 360
16671434 GR3. 1YRHARD 330168 1238.14 360
16671441 GR5. 1YRHARD/2YRSOFT 223920 1049.63 360
16671452 GR5. 1YRHARD/2YRSOFT 539992 2024.98 360
16671454 GR1. NOPP 263920 989.71 360
16671468 GR3. 1YRHARD 531300 2324.44 360
16671474 GR5. 1YRHARD/2YRSOFT 296800 1174.84 360
16671476 GR5. 1YRHARD/2YRSOFT 499900 1562.19 360
16671489 GR4. 1YRHARD/1YRSOFT 147120 597.68 360
16671510 GR3. 1YRHARD 179960 674.86 360
16671513 GR3. 1YRHARD 474745 1829.75 360
16671517 GR5. 1YRHARD/2YRSOFT 268000 1060.84 360
16671521 GR3. 1YRHARD 204500 617.77 360
16674923 GR5. 1YRHARD/2YRSOFT 224392 864.85 360
16674961 GR5. 1YRHARD/2YRSOFT 252000 813.76 360
16674967 GR1. NOPP 512000 1973.34 360
16674997 GR5. 1YRHARD/2YRSOFT 616800 2184.51 360
16675002 GR4. 1YRHARD/1YRSOFT 312000 1300.01 360
16675020 GR5. 1YRHARD/2YRSOFT 224000 840.01 360
16674868 GR5. 1YRHARD/2YRSOFT 645000 2485.94 360
16675064 GR5. 1YRHARD/2YRSOFT 276000 1150.01 360
16675072 GR1. NOPP 800000 3833.34 360
16676344 GR3. 1YRHARD 423200 1763.34 360
16676361 GR1. NOPP 767200 4315.51 360
16676369 GR3. 1YRHARD 420800 1709.51 360
16676372 GR5. 1YRHARD/2YRSOFT 212000 684.59 360
16676409 GR5. 1YRHARD/2YRSOFT 273600 997.5 360
16676415 GR5. 1YRHARD/2YRSOFT 360000 1650 360
16676421 GR4. 1YRHARD/1YRSOFT 336000 1435 360
16676456 GR1. NOPP 472000 2015.84 360
16676462 GR5. 1YRHARD/2YRSOFT 247200 875.51 360
16676463 GR5. 1YRHARD/2YRSOFT 212000 927.51 360
16676471 GR3. 1YRHARD 261000 842.82 360
16679058 GR1. NOPP 352000 1540.01 360
16679064 GR1. NOPP 103200 408.5 360
16679092 GR1. NOPP 165600 586.51 360
16679116 GR2. SOFTPP/OTHER 115000 359.38 360
16679132 GR2. SOFTPP/OTHER 77000 240.63 360
16679135 GR3. 1YRHARD 505600 1948.67 360
16679150 GR3. 1YRHARD 1349250 5902.97 360
16680979 GR5. 1YRHARD/2YRSOFT 150880 722.97 360
16681004 GR5. 1YRHARD/2YRSOFT 417000 1346.57 360
16681021 GR5. 1YRHARD/2YRSOFT 324000 1350.01 360
16681024 GR3. 1YRHARD 249600 858.01 360
16681030 GR2. SOFTPP/OTHER 247440 1056.78 360
16681037 GR5. 1YRHARD/2YRSOFT 344000 1505.01 360
16681090 GR5. 1YRHARD/2YRSOFT 294400 1165.34 360
16681094 GR3. 1YRHARD 544000 2040.01 360
16681150 GR3. 1YRHARD 292800 1189.51 360
16681168 GR5. 1YRHARD/2YRSOFT 269600 1207.59 360
16683782 GR3. 1YRHARD 409520 1621.02 360
16683783 GR5. 1YRHARD/2YRSOFT 560000 2216.67 360
16683798 GR2. SOFTPP/OTHER 276000 1035.01 360
16683821 GR5. 1YRHARD/2YRSOFT 330000 1237.51 360
16683857 GR1. NOPP 300000 1062.51 360
16683868 GR5. 1YRHARD/2YRSOFT 580000 2356.26 360
16683878 GR3. 1YRHARD 424000 1722.51 360
16683888 GR5. 1YRHARD/2YRSOFT 367992 1073.32 360
16685507 GR5. 1YRHARD/2YRSOFT 267920 1200.06 360
16685527 GR5. 1YRHARD/2YRSOFT 519920 1678.91 360
16685532 GR5. 1YRHARD/2YRSOFT 320000 1233.34 360
16685547 GR3. 1YRHARD 266400 1026.76 360
16685551 GR5. 1YRHARD/2YRSOFT 267992 1088.72 360
16685593 GR1. NOPP 222000 925.01 360
16685623 GR4. 1YRHARD/1YRSOFT 492000 2050.01 360
16685652 GR5. 1YRHARD/2YRSOFT 324000 1181.25 360
16687856 GR5. 1YRHARD/2YRSOFT 500000 1458.34 360
16687896 GR5. 1YRHARD/2YRSOFT 460000 1725.01 360
16687908 GR1. NOPP 422708 1849.35 360
16687911 GR5. 1YRHARD/2YRSOFT 137600 516.01 360
16687915 GR5. 1YRHARD/2YRSOFT 560000 2275.01 360
16687987 GR5. 1YRHARD/2YRSOFT 416000 1646.67 360
16691858 GR3. 1YRHARD 774332 3549.03 360
16691890 GR3. 1YRHARD 364000 1592.51 360
16691903 GR5. 1YRHARD/2YRSOFT 240000 900.01 360
16691906 GR2. SOFTPP/OTHER 212839 864.66 360
16691944 GR2. SOFTPP/OTHER 119600 473.42 360
16691949 GR3. 1YRHARD 350000 1203.13 360
16691963 GR3. 1YRHARD 380000 1702.09 360
16691979 GR5. 1YRHARD/2YRSOFT 191200 736.92 360
16691817 GR5. 1YRHARD/2YRSOFT 375128.25 1370.83 360
16692023 GR5. 1YRHARD/2YRSOFT 236724 789.08 360
16693157 GR1. NOPP 254400 1007 360
16693194 GR4. 1YRHARD/1YRSOFT 224000 910.01 360
16693257 GR1. NOPP 284800 1157.01 360
16693292 GR3. 1YRHARD 480000 2100.01 360
16695783 GR5. 1YRHARD/2YRSOFT 380000 1306.26 360
16695795 GR1. NOPP 255056.75 1036.17 360
16695890 GR4. 1YRHARD/1YRSOFT 570000 2315.63 360
16697247 GR3. 1YRHARD 640000 2533.34 360
16697323 GR2. SOFTPP/OTHER 208000 628.34 360
16700101 GR5. 1YRHARD/2YRSOFT 339200 1272.01 360
16700136 GR5. 1YRHARD/2YRSOFT 556000 2374.59 360
16700151 GR1. NOPP 251200 1334.51 360
16700156 GR3. 1YRHARD 332800 1352.01 360
16706248 GR3. 1YRHARD 254400 1139.51 360
16709229 GR3. 1YRHARD 533600 2390.09 360
16709260 GR5. 1YRHARD/2YRSOFT 164000 615.01 360
16709324 GR3. 1YRHARD 187200 780.01 360
16710597 GR3. 1YRHARD 172500 646.88 360
16710598 GR3. 1YRHARD 171750 644.07 360
16156005 GR1. NOPP 205443.03 752.5 360
16611399 GR5. 1YRHARD/2YRSOFT 176440 715 360
16611422 GR5. 1YRHARD/2YRSOFT 218946 728 360
16611475 GR5. 1YRHARD/2YRSOFT 802000 3166.67 360
16611516 GR5. 1YRHARD/2YRSOFT 164410 580.83 360
16611533 GR1. NOPP 557289.75 2026.72 360
16611534 GR2. SOFTPP/OTHER 800797 3078.71 360
16611568 GR5. 1YRHARD/2YRSOFT 469170 2096.25 360
16611593 GR5. 1YRHARD/2YRSOFT 395185.5 1806.75 360
16611594 GR5. 1YRHARD/2YRSOFT 284710 1153.75 360
16611307 GR5. 1YRHARD/2YRSOFT 618743 2700.25 360
16611356 GR2. SOFTPP/OTHER 356890 1297.92 360
16611367 GR5. 1YRHARD/2YRSOFT 218144 906.67 360
16610026 GR5. 1YRHARD/2YRSOFT 413832 1720 360
16610041 GR5. 1YRHARD/2YRSOFT 449120 1633.33 360
16610065 GR5. 1YRHARD/2YRSOFT 457140 1852.5 360
16610070 GR5. 1YRHARD/2YRSOFT 147367.5 505.31 360
16610126 GR5. 1YRHARD/2YRSOFT 526312.5 1804.69 360
16610128 GR5. 1YRHARD/2YRSOFT 461149.3 1868.75 360
16610138 GR2. SOFTPP/OTHER 325812.5 1184.9 360
16610165 GR5. 1YRHARD/2YRSOFT 232580 990.83 360
16610224 GR3. 1YRHARD 857137.5 3473.44 360
16610248 GR5. 1YRHARD/2YRSOFT 649820.5 2768.35 360
16610276 GR5. 1YRHARD/2YRSOFT 673680 3010 360
16610282 GR1. NOPP 530122 2368.58 360
16610286 GR5. 1YRHARD/2YRSOFT 552538.9 2468.74 360
16610290 GR5. 1YRHARD/2YRSOFT 413832 1591 360
16611194 GR1. NOPP 220550 893.75 360
16611195 GR3. 1YRHARD 998490 3631.25 360
16605736 GR5. 1YRHARD/2YRSOFT 461150 1820.83 360
16605739 GR3. 1YRHARD 504351.73 2043.82 360
16605746 GR5. 1YRHARD/2YRSOFT 148470.25 524.52 360
16605763 GR5. 1YRHARD/2YRSOFT 303156 1291.5 360
16605779 GR5. 1YRHARD/2YRSOFT 156309.8 584.7 360
16605784 GR5. 1YRHARD/2YRSOFT 128039.3 532.17 360
16605793 GR5. 1YRHARD/2YRSOFT 80487.72 359.62 360
16605797 GR5. 1YRHARD/2YRSOFT 446112.5 1622.4 360
16605801 GR5. 1YRHARD/2YRSOFT 216139 875.88 360
16605807 GR5. 1YRHARD/2YRSOFT 177643 701.42 360
16605828 GR5. 1YRHARD/2YRSOFT 697659.8 2682.19 360
16605839 GR5. 1YRHARD/2YRSOFT 320800 1300 360
16605879 GR1. NOPP 244610 1092.92 360
16605882 GR1. NOPP 577440 2580 360
16605885 GR5. 1YRHARD/2YRSOFT 158796 660 360
16605936 GR1. NOPP 922300 3258.33 360
16606018 GR1. NOPP 334484.13 1494.47 360
16606031 GR1. NOPP 362905 1319.79 360
16606105 GR5. 1YRHARD/2YRSOFT 214535 780.21 360
16606123 GR2. SOFTPP/OTHER 320800 1400 360
16606129 GR5. 1YRHARD/2YRSOFT 376940 1449.17 360
16606143 GR5. 1YRHARD/2YRSOFT 195487.5 690.63 360
16606180 GR5. 1YRHARD/2YRSOFT 434634 1942.17 360
16606194 GR1. NOPP 284710 917.08 360
16606200 GR1. NOPP 200500 770.83 360
16609606 GR5. 1YRHARD/2YRSOFT 384960 1640 360
16609655 GR5. 1YRHARD/2YRSOFT 246534.8 947.82 360
16609697 GR1. NOPP 425060 1590 360
16609724 GR5. 1YRHARD/2YRSOFT 401000 1708.33 360
16609736 GR5. 1YRHARD/2YRSOFT 378110.92 1296.52 360
16609742 GR1. NOPP 347185.8 1226.55 360
16609758 GR5. 1YRHARD/2YRSOFT 234184 851.67 360
16609763 GR5. 1YRHARD/2YRSOFT 409020 1530 360
16609783 GR5. 1YRHARD/2YRSOFT 336353.06 1120 360
16609785 GR1. NOPP 804012.91 3166.67 360
16609788 GR1. NOPP 166415 553.33 360
16609802 GR5. 1YRHARD/2YRSOFT 238996 943.67 360
16609853 GR1. NOPP 480398 2146.42 360
16609863 GR5. 1YRHARD/2YRSOFT 505260 2257.5 360
16609881 GR5. 1YRHARD/2YRSOFT 176440 660 360
16609917 GR5. 1YRHARD/2YRSOFT 352378.75 1391.35 360
16609931 GR3. 1YRHARD 449120 2006.67 360
16609944 GR5. 1YRHARD/2YRSOFT 328820 1298.33 360
16609948 GR1. NOPP 401000 1416.67 360
16609960 GR5. 1YRHARD/2YRSOFT 822050 3331.25 360
16609980 GR5. 1YRHARD/2YRSOFT 164410 649.17 360
16609998 GR5. 1YRHARD/2YRSOFT 214534.2 847.88 360
16610001 GR1. NOPP 367316 1374 360
16610008 GR1. NOPP 472378 1914.25 360
16610018 GR5. 1YRHARD/2YRSOFT 230327.62 886.27 360
16610020 GR5. 1YRHARD/2YRSOFT 180222.07 712.5 360
16610023 GR5. 1YRHARD/2YRSOFT 225123.5 840 360
16602996 GR1. NOPP 803604 2672 360
16602891 GR2. SOFTPP/OTHER 651625 2911.46 360
16602904 GR5. 1YRHARD/2YRSOFT 188470 763.75 360
16602917 GR1. NOPP 624517.85 2783.35 360
16602924 GR5. 1YRHARD/2YRSOFT 200500 708.33 360
16602925 GR5. 1YRHARD/2YRSOFT 405010 1809.58 360
16602999 GR5. 1YRHARD/2YRSOFT 106776.27 477.08 360
16603002 GR2. SOFTPP/OTHER 372930 1666.25 360
16603021 GR1. NOPP 481200 1800 360
16603023 GR1. NOPP 902250 3187.5 360
16603027 GR5. 1YRHARD/2YRSOFT 194886 830.25 360
16603041 GR5. 1YRHARD/2YRSOFT 400198 1621.75 360
16603057 GR5. 1YRHARD/2YRSOFT 225562.5 914.06 360
16603094 GR5. 1YRHARD/2YRSOFT 280700 1079.17 360
16603099 GR1. NOPP 681700 2266.67 360
16603133 GR5. 1YRHARD/2YRSOFT 259774.25 1163.24 360
16603885 GR5. 1YRHARD/2YRSOFT 288639.8 1139.68 360
16603900 GR5. 1YRHARD/2YRSOFT 244610 940.42 360
16603917 GR5. 1YRHARD/2YRSOFT 248620 930 360
16604003 GR5. 1YRHARD/2YRSOFT 360900 1500 360
16604035 GR1. NOPP 112280 466.67 360
16604055 GR5. 1YRHARD/2YRSOFT 437892 1956.5 360
16604068 GR1. NOPP 366415.75 1294.49 360
16604079 GR1. NOPP 319546.88 1095.7 360
16604107 GR5. 1YRHARD/2YRSOFT 401802 1544.75 360
16604136 GR5. 1YRHARD/2YRSOFT 464157.5 1543.33 360
16604187 GR1. NOPP 925257.38 3557.2 360
16604201 GR1. NOPP 308770 1122.92 360
16604204 GR5. 1YRHARD/2YRSOFT 243983.43 1090.12 360
16604232 GR1. NOPP 352880 1320 360
16604313 GR5. 1YRHARD/2YRSOFT 364910 1402.92 360
16604316 GR5. 1YRHARD/2YRSOFT 152881.25 540.1 360
16604320 GR5. 1YRHARD/2YRSOFT 549370 2226.25 360
16604330 GR1. NOPP 258645 886.88 360
16604335 GR1. NOPP 381952.5 1428.75 360
16604352 GR1. NOPP 320800 1200 360
16604372 GR5. 1YRHARD/2YRSOFT 150374.99 546.88 360
16604401 GR1. NOPP 308770 1155 360
16604429 GR5. 1YRHARD/2YRSOFT 275760.68 1232.1 360
16604439 GR5. 1YRHARD/2YRSOFT 178649.34 817.67 360
16604448 GR5. 1YRHARD/2YRSOFT 253263.67 840 360
16604475 GR5. 1YRHARD/2YRSOFT 392980 1592.5 360
16600061 GR5. 1YRHARD/2YRSOFT 394985 1600.63 360
16600068 GR5. 1YRHARD/2YRSOFT 575435 2331.88 360
16600806 GR5. 1YRHARD/2YRSOFT 417290.62 1647.66 360
16600819 GR5. 1YRHARD/2YRSOFT 164410 649.17 360
16600897 GR1. NOPP 188470 626.67 360
16600898 GR1. NOPP 220550 962.5 360
16600913 GR1. NOPP 266665 942.08 360
16600997 GR1. NOPP 369922.5 1383.75 360
16601090 GR5. 1YRHARD/2YRSOFT 316790 1316.67 360
16601110 GR5. 1YRHARD/2YRSOFT 734471.6 3205.3 360
16601121 GR1. NOPP 531325 1711.46 360
16601186 GR1. NOPP 301153.54 1190.67 360
16601191 GR3. 1YRHARD 419095.12 1872.52 360
16601192 GR5. 1YRHARD/2YRSOFT 139096.87 578.13 360
16601210 GR5. 1YRHARD/2YRSOFT 442106.49 1695.45 360
16601254 GR5. 1YRHARD/2YRSOFT 316790 1119.17 360
16601268 GR1. NOPP 819992.7 2726.67 360
16601271 GR5. 1YRHARD/2YRSOFT 198896 806 360
16601273 GR1. NOPP 569420 2544.17 360
16601275 GR1. NOPP 284309 1211.21 360
16601281 GR1. NOPP 681700 3045.83 360
16601289 GR1. NOPP 159197 711.29 360
16601326 GR1. NOPP 256640 933.33 360
16601331 GR5. 1YRHARD/2YRSOFT 148330.23 543.23 360
16601336 GR2. SOFTPP/OTHER 237184.12 1057.08 360
16601346 GR5. 1YRHARD/2YRSOFT 344860 1361.67 360
16601355 GR2. SOFTPP/OTHER 348870 1341.25 360
16601406 GR5. 1YRHARD/2YRSOFT 255036 1060 360
16601407 GR5. 1YRHARD/2YRSOFT 341652 1491 360
16601411 GR5. 1YRHARD/2YRSOFT 496838.99 2219.88 360
16601417 GR1. NOPP 120300 437.5 360
16602646 GR1. NOPP 392177.07 1507.75 360
16602672 GR1. NOPP 249823 804.71 360
16602673 GR1. NOPP 280860.4 1254.88 360
16602681 GR5. 1YRHARD/2YRSOFT 491225 1837.5 360
16602711 GR5. 1YRHARD/2YRSOFT 267294.57 1166.5 360
16602790 GR5. 1YRHARD/2YRSOFT 196490 694.17 360
16602804 GR5. 1YRHARD/2YRSOFT 398594 1698.08 360
16602824 GR3. 1YRHARD 188470 744.17 360
16602874 GR5. 1YRHARD/2YRSOFT 284710 1242.5 360
16602878 GR1. NOPP 472378 2012.42 360
16599648 GR5. 1YRHARD/2YRSOFT 208520 845 360
16599660 GR5. 1YRHARD/2YRSOFT 248620 955.83 360
16599661 GR1. NOPP 376940 1488.33 360
16599681 GR1. NOPP 280700 1254.17 360
16599751 GR1. NOPP 331041.54 1272.71 360
16599837 GR1. NOPP 433080 1620 360
16599865 GR5. 1YRHARD/2YRSOFT 789468.75 3281.25 360
16599883 GR1. NOPP 233382 751.75 360
16599884 GR1. NOPP 429070 1337.5 360
16599892 GR5. 1YRHARD/2YRSOFT 441100 1695.83 360
16599934 GR5. 1YRHARD/2YRSOFT 340048 1519.33 360
16600006 GR3. 1YRHARD 262254 953.75 360
16600012 GR5. 1YRHARD/2YRSOFT 232580 1039.17 360
16600050 GR5. 1YRHARD/2YRSOFT 473180 2114.17 360
16600054 GR5. 1YRHARD/2YRSOFT 344860 1540.83 360
16599526 GR5. 1YRHARD/2YRSOFT 280700 1254.17 360
16599553 GR5. 1YRHARD/2YRSOFT 548000 2055 360
16599586 GR5. 1YRHARD/2YRSOFT 154786 643.33 360
16597187 GR1. NOPP 858140 3031.67 360
16597291 GR5. 1YRHARD/2YRSOFT 489220 2185.83 360
16597299 GR1. NOPP 736889.63 3292.42 360
16597335 GR5. 1YRHARD/2YRSOFT 313582 1205.58 360
16597348 GR1. NOPP 508768.75 1955.99 360
16597392 GR5. 1YRHARD/2YRSOFT 501250 2239.58 360
16597437 GR5. 1YRHARD/2YRSOFT 472027.12 1961.88 360
16597444 GR5. 1YRHARD/2YRSOFT 358393.75 1415.1 360
16597480 GR5. 1YRHARD/2YRSOFT 272879.08 966.88 360
16597498 GR1. NOPP 521300 2112.5 360
16597514 GR1. NOPP 362804.75 1507.92 360
16597566 GR1. NOPP 826060 3690.83 360
16597614 GR5. 1YRHARD/2YRSOFT 296339 1324.04 360
16597668 GR1. NOPP 163207 644.42 360
16597670 GR5. 1YRHARD/2YRSOFT 252630 1128.75 360
16597685 GR5. 1YRHARD/2YRSOFT 351276 1460 360
16597721 GR2. SOFTPP/OTHER 1140343.75 4502.6 360
16597722 GR3. 1YRHARD 192480 780 360
16597725 GR1. NOPP 389696.81 1700.67 360
16597732 GR1. NOPP 210124 698.67 360
16597734 GR3. 1YRHARD 509270 2010.83 360
16597738 GR5. 1YRHARD/2YRSOFT 425060 1810.83 360
16597756 GR1. NOPP 216384.31 944.56 360
16597775 GR2. SOFTPP/OTHER 441100 1879.17 360
16597809 GR3. 1YRHARD 328820 1435 360
16597812 GR5. 1YRHARD/2YRSOFT 184460 824.17 360
16599341 GR1. NOPP 383356 1553.5 360
16596624 GR5. 1YRHARD/2YRSOFT 370522.99 1655.5 360
16596777 GR5. 1YRHARD/2YRSOFT 488718.75 2183.59 360
16596781 GR5. 1YRHARD/2YRSOFT 380922.92 1622.92 360
16596787 GR5. 1YRHARD/2YRSOFT 195487.5 832.81 360
16596800 GR1. NOPP 477190 2132.08 360
16594913 GR5. 1YRHARD/2YRSOFT 473180 2065 360
16594919 GR1. NOPP 1002500 4062.5 360
16594925 GR3. 1YRHARD 329982.9 1440.08 360
16595053 GR5. 1YRHARD/2YRSOFT 372929.75 1433.75 360
16595102 GR3. 1YRHARD 278294 1098.83 360
16595117 GR5. 1YRHARD/2YRSOFT 497240 2221.67 360
16595138 GR5. 1YRHARD/2YRSOFT 301504.92 1218.75 360
16595153 GR1. NOPP 461150 1581.25 360
16595231 GR5. 1YRHARD/2YRSOFT 180049 654.79 360
16595330 GR2. SOFTPP/OTHER 212530 861.25 360
16595373 GR5. 1YRHARD/2YRSOFT 211728 836 360
16595410 GR5. 1YRHARD/2YRSOFT 601500 2562.5 360
16595416 GR5. 1YRHARD/2YRSOFT 346464 1548 360
16595421 GR5. 1YRHARD/2YRSOFT 533330 2382.92 360
16595428 GR5. 1YRHARD/2YRSOFT 433882 1938.58 360
16595431 GR1. NOPP 501250 1927.08 360
16595441 GR5. 1YRHARD/2YRSOFT 417040 1863.33 360
16596135 GR5. 1YRHARD/2YRSOFT 368920 1610 360
16596150 GR1. NOPP 316790 1316.67 360
16596151 GR5. 1YRHARD/2YRSOFT 318394 1224.08 360
16596185 GR1. NOPP 81436.29 288.1 360
16596333 GR1. NOPP 723612.56 3225 360
16591659 GR5. 1YRHARD/2YRSOFT 421050 1531.25 360
16591676 GR1. NOPP 308770 1219.17 360
16591686 GR1. NOPP 343256 1533.67 360
16596375 GR5. 1YRHARD/2YRSOFT 201803.25 712.94 360
16596379 GR3. 1YRHARD 220550 825 360
16596414 GR5. 1YRHARD/2YRSOFT 738165.51 2601.29 360
16596441 GR5. 1YRHARD/2YRSOFT 158390.62 656.67 360
16596447 GR5. 1YRHARD/2YRSOFT 328018 1465.58 360
16596476 GR5. 1YRHARD/2YRSOFT 344860 1218.33 360
16596512 GR2. SOFTPP/OTHER 400347.91 1625 360
16594778 GR2. SOFTPP/OTHER 386890.81 1688.43 360
16594784 GR5. 1YRHARD/2YRSOFT 396990 1567.5 360
16591280 GR5. 1YRHARD/2YRSOFT 337685.34 1295 360
16591293 GR4. 1YRHARD/1YRSOFT 327216 1326 360
16591471 GR1. NOPP 480799 1848.46 360
16591534 GR5. 1YRHARD/2YRSOFT 204660.5 768 360
16591607 GR5. 1YRHARD/2YRSOFT 409020 1445 360
16591619 GR1. NOPP 471175 1713.54 360
16591322 GR5. 1YRHARD/2YRSOFT 368920 1571.67 360
16585992 GR5. 1YRHARD/2YRSOFT 160802.79 716.67 360
16586059 GR5. 1YRHARD/2YRSOFT 549370 2454.58 360
16586091 GR5. 1YRHARD/2YRSOFT 395386 1479 360
16586101 GR5. 1YRHARD/2YRSOFT 352880 1393.33 360
16591067 GR1. NOPP 148370 662.92 360
16591068 GR5. 1YRHARD/2YRSOFT 175437.5 565.1 360
16591069 GR1. NOPP 182455 549.79 360
16591106 GR5. 1YRHARD/2YRSOFT 212530 883.33 360
16591132 GR5. 1YRHARD/2YRSOFT 216705.41 833.14 360
16591194 GR5. 1YRHARD/2YRSOFT 328018 1465.58 360
16591198 GR5. 1YRHARD/2YRSOFT 1002500 4062.5 360
16585804 GR1. NOPP 148019.12 661.35 360
16585807 GR1. NOPP 311977 1102.17 360
16585909 GR1. NOPP 315000 1181.25 360
16585879 GR5. 1YRHARD/2YRSOFT 387366 1569.75 360
16585603 GR1. NOPP 148871.25 556.88 360
16585688 GR5. 1YRHARD/2YRSOFT 228136.92 829.67 360
16575253 GR1. NOPP 351276 1460 360
16585441 GR1. NOPP 340850 1204.17 360
16575301 GR5. 1YRHARD/2YRSOFT 560999 2215.08 360
16575370 GR2. SOFTPP/OTHER 204510 765 360
16575421 GR5. 1YRHARD/2YRSOFT 441100 1970.83 360
16575426 GR5. 1YRHARD/2YRSOFT 316790 1283.75 360
16572052 GR5. 1YRHARD/2YRSOFT 864956.99 3325.38 360
16572113 GR1. NOPP 418042.5 1563.75 360
16572146 GR5. 1YRHARD/2YRSOFT 1503750 5468.75 360
16574845 GR3. 1YRHARD 262855.5 1010.56 360
16575104 GR5. 1YRHARD/2YRSOFT 473180 2114.17 360
16574967 GR5. 1YRHARD/2YRSOFT 720196 3217.83 360
16571870 GR1. NOPP 202104 903 360
16571707 GR1. NOPP 181953.75 661.72 360
16571597 GR5. 1YRHARD/2YRSOFT 326414 1254.92 360
16570570 GR1. NOPP 404208 1344 360
16570816 GR5. 1YRHARD/2YRSOFT 215537.5 761.46 360
16568960 GR5. 1YRHARD/2YRSOFT 225562.5 820.31 360
16569071 GR5. 1YRHARD/2YRSOFT 224479.8 839.7 360
16569293 GR1. NOPP 482408.25 2100 360
16569328 GR1. NOPP 488669.36 2185.83 360
16569385 GR5. 1YRHARD/2YRSOFT 260650 1137.5 360
16570365 GR5. 1YRHARD/2YRSOFT 493230 1947.5 360
16549800 GR1. NOPP 125914 444.83 360
16549826 GR1. NOPP 344860 1110.83 360
16693324 GR1. NOPP 324509.25 1449.91 360
16693326 GR5. 1YRHARD/2YRSOFT 361702 1465.75 360
16693327 GR1. NOPP 339246 1515.75 360
16693353 GR1. NOPP 221001.12 895.58 360
16549418 GR1. NOPP 154786 611.17 360
16551706 GR3. 1YRHARD 468368 1995.33 360
16552176 GR5. 1YRHARD/2YRSOFT 401000 1666.67 360
16656545 GR5. 1YRHARD/2YRSOFT 428067.5 1512.29 360
16656666 GR2. SOFTPP/OTHER 272930.63 879.14 360
16656255 GR5. 1YRHARD/2YRSOFT 383255.75 1433.63 360
16656732 GR1. NOPP 248620 955.83 360
16656274 GR5. 1YRHARD/2YRSOFT 424057.5 1718.44 360
16656755 GR5. 1YRHARD/2YRSOFT 265462 1020.58 360
16656786 GR5. 1YRHARD/2YRSOFT 761900 2454.17 360
16656305 GR5. 1YRHARD/2YRSOFT 196490 796.25 360
16656316 GR3. 1YRHARD 409020 1445 360
16656425 GR1. NOPP 325812.5 1151.04 360
16654510 GR1. NOPP 101052 451.5 360
16654406 GR5. 1YRHARD/2YRSOFT 577440 2340 360
16655963 GR5. 1YRHARD/2YRSOFT 267437.01 1005 360
16655995 GR2. SOFTPP/OTHER 403857.13 1804.43 360
16656072 GR5. 1YRHARD/2YRSOFT 234585 999.37 360
16656172 GR5. 1YRHARD/2YRSOFT 709770 2655 360
16656852 GR5. 1YRHARD/2YRSOFT 380950 1425 360
16656853 GR5. 1YRHARD/2YRSOFT 252630 1023.75 360
16653956 GR1. NOPP 480398 2146.42 360
16653994 GR5. 1YRHARD/2YRSOFT 240190.98 998.3 360
16653779 GR5. 1YRHARD/2YRSOFT 409020 1445 360
16653826 GR5. 1YRHARD/2YRSOFT 336840 1260 360
16653834 GR5. 1YRHARD/2YRSOFT 212530 949.58 360
16653852 GR5. 1YRHARD/2YRSOFT 601500 2375 360
16653853 GR5. 1YRHARD/2YRSOFT 418042.49 1650.63 360
16654112 GR1. NOPP 429070 1649.58 360
16654116 GR1. NOPP 260650 839.58 360
16654122 GR5. 1YRHARD/2YRSOFT 258244 912.33 360
16653861 GR1. NOPP 352880 1356.67 360
16653863 GR5. 1YRHARD/2YRSOFT 457140 1995 360
16653872 GR5. 1YRHARD/2YRSOFT 241204.19 1075 360
16653881 GR1. NOPP 360900 1575 360
16653883 GR1. NOPP 593480 2281.67 360
16653889 GR1. NOPP 214134 845.5 360
16653894 GR1. NOPP 633580 2501.67 360
16654164 GR3. 1YRHARD 227166.5 967.77 360
16654175 GR5. 1YRHARD/2YRSOFT 291928 1001 360
16654176 GR5. 1YRHARD/2YRSOFT 455135 1797.08 360
16654206 GR1. NOPP 529219.75 2309.56 360
16654221 GR1. NOPP 207718 863.33 360
16653927 GR5. 1YRHARD/2YRSOFT 392980 1510.83 360
16653928 GR5. 1YRHARD/2YRSOFT 163527.8 696.66 360
16653954 GR2. SOFTPP/OTHER 368619.25 1187.36 360
16654352 GR1. NOPP 649620 2430 360
16651793 GR1. NOPP 250625 807.29 360
16651796 GR5. 1YRHARD/2YRSOFT 495636 2008.5 360
16651801 GR1. NOPP 629570 2224.17 360
16651813 GR5. 1YRHARD/2YRSOFT 303958 1200.17 360
16651845 GR5. 1YRHARD/2YRSOFT 315882.13 1181.63 360
16651857 GR5. 1YRHARD/2YRSOFT 172430 662.92 360
16651860 GR5. 1YRHARD/2YRSOFT 360900 1425 360
16651755 GR1. NOPP 441100 1695.83 360
16653737 GR1. NOPP 497240 1963.33 360
16653739 GR1. NOPP 248620 981.67 360
16653760 GR5. 1YRHARD/2YRSOFT 392980 1429.17 360
16653766 GR5. 1YRHARD/2YRSOFT 192881 741.54 360
16653770 GR1. NOPP 352880 1210 360
16651572 GR5. 1YRHARD/2YRSOFT 186765.75 640.41 360
16651684 GR1. NOPP 365825.49 1289.17 360
16651691 GR5. 1YRHARD/2YRSOFT 445110 1942.5 360
16651711 GR1. NOPP 565410 2115 360
16651714 GR1. NOPP 372930 1162.5 360
16651325 GR1. NOPP 360900 1350 360
16651328 GR2. SOFTPP/OTHER 157994 623.83 360
16651356 GR2. SOFTPP/OTHER 549370 2397.5 360
16651387 GR1. NOPP 610271.87 1965.76 360
16651402 GR5. 1YRHARD/2YRSOFT 474367.86 1966.67 360
16651406 GR5. 1YRHARD/2YRSOFT 453130 1789.17 360
16651429 GR1. NOPP 409020 1785 360
16651205 GR5. 1YRHARD/2YRSOFT 355887.5 1331.25 360
16651206 GR5. 1YRHARD/2YRSOFT 200500 895.83 360
16651210 GR3. 1YRHARD 244610 889.58 360
16651211 GR5. 1YRHARD/2YRSOFT 409020 1615 360
16651223 GR1. NOPP 517290 2042.5 360
16651226 GR1. NOPP 170024 742 360
16651493 GR1. NOPP 392980 1592.5 360
16696375 GR5. 1YRHARD/2YRSOFT 388970 1657.08 360
16656970 GR5. 1YRHARD/2YRSOFT 245611.72 944.27 360
16658540 GR5. 1YRHARD/2YRSOFT 360900 1350 360
16658595 GR5. 1YRHARD/2YRSOFT 324810 1316.25 360
16658615 GR5. 1YRHARD/2YRSOFT 204510 828.75 360
16658671 GR5. 1YRHARD/2YRSOFT 364910 1365 360
16658857 GR1. NOPP 569419.5 2307.5 360
16658918 GR1. NOPP 584582.81 2672.66 360
16658935 GR1. NOPP 368920 1418.33 360
16658978 GR1. NOPP 350875 1166.67 360
16659008 GR1. NOPP 106451.47 475.62 360
16659138 GR5. 1YRHARD/2YRSOFT 281050.87 934.5 360
16659270 GR2. SOFTPP/OTHER 328820 1264.17 360
16659276 GR2. SOFTPP/OTHER 409020 1700 360
16659351 GR3. 1YRHARD 549370 2340.42 360
16659359 GR5. 1YRHARD/2YRSOFT 111237.4 404.54 360
16662063 GR5. 1YRHARD/2YRSOFT 364910 1440.83 360
16662075 GR1. NOPP 260650 1056.25 360
16662131 GR5. 1YRHARD/2YRSOFT 401000 1583.33 360
16662155 GR1. NOPP 246400 872.67 360
16662270 GR5. 1YRHARD/2YRSOFT 300750 1218.75 360
16662335 GR5. 1YRHARD/2YRSOFT 146365 517.08 360
16662345 GR5. 1YRHARD/2YRSOFT 168420 665 360
16662416 GR1. NOPP 228570 783.75 360
16662477 GR5. 1YRHARD/2YRSOFT 181252 734.5 360
16662544 GR1. NOPP 209998.02 783.56 360
16662697 GR1. NOPP 411025 1323.96 360
16662744 GR1. NOPP 380950 1425 360
16662839 GR1. NOPP 248620 930 360
16663831 GR2. SOFTPP/OTHER 230324.37 933.36 360
16663907 GR5. 1YRHARD/2YRSOFT 565410 1997.5 360
16663963 GR1. NOPP 307968 1216 360
16664005 GR3. 1YRHARD 360900 1275 360
16664103 GR1. NOPP 282404.25 1232.44 360
16664108 GR5. 1YRHARD/2YRSOFT 429471 1695.75 360
16664159 GR5. 1YRHARD/2YRSOFT 354484 1068.17 360
16664306 GR1. NOPP 384960 1520 360
16666007 GR5. 1YRHARD/2YRSOFT 418042.5 1259.69 360
16670284 GR5. 1YRHARD/2YRSOFT 380950 1662.5 360
16670329 GR5. 1YRHARD/2YRSOFT 336038 1431.58 360
16670342 GR1. NOPP 316790 1250.83 360
16670440 GR5. 1YRHARD/2YRSOFT 336038 1501.42 360
16670475 GR1. NOPP 776336 3146 360
16670542 GR1. NOPP 346614.37 1332.58 360
16670552 GR1. NOPP 257442 856 360
16672572 GR1. NOPP 384960 1240 360
16673983 GR1. NOPP 411025 1494.79 360
16673987 GR1. NOPP 384960 1240 360
16673992 GR1. NOPP 186064 657.33 360
16673993 GR1. NOPP 348868.58 1233.92 360
16673998 GR1. NOPP 1002500 4479.17 360
16674001 GR1. NOPP 432177.75 1706.44 360
16674003 GR1. NOPP 368920 1341.67 360
16674010 GR1. NOPP 608718 2466.75 360
16674382 GR5. 1YRHARD/2YRSOFT 472915.34 2112.98 360
16676603 GR5. 1YRHARD/2YRSOFT 260650 947.92 360
16676764 GR5. 1YRHARD/2YRSOFT 399158.42 1455.42 360
16681646 GR5. 1YRHARD/2YRSOFT 474784 1924 360
16681659 GR5. 1YRHARD/2YRSOFT 401000 1458.33 360
16681685 GR3. 1YRHARD 320800 1433.33 360
16651109 GR1. NOPP 541350 1968.75 360
16651113 GR1. NOPP 516488 2093 360
16651114 GR1. NOPP 465160 1933.33 360
16651116 GR1. NOPP 680898 2759.25 360
16651124 GR1. NOPP 649620 2430 360
16651129 GR1. NOPP 586462.5 2010.94 360
16651145 GR1. NOPP 248620 1007.5 360
16651187 GR5. 1YRHARD/2YRSOFT 477190 1834.58 360
16651195 GR5. 1YRHARD/2YRSOFT 324810 1282.5 360
16651077 GR1. NOPP 274685 913.33 360
16651079 GR1. NOPP 364910 1327.08 360
16651083 GR5. 1YRHARD/2YRSOFT 449120 1820 360
16651087 GR1. NOPP 449120 1493.33 360
16651092 GR5. 1YRHARD/2YRSOFT 598693 2239.5 360
16650148 GR2. SOFTPP/OTHER 382453.75 1112.71 360
16650299 GR5. 1YRHARD/2YRSOFT 236590 1057.08 360
16650306 GR5. 1YRHARD/2YRSOFT 143708.38 612.22 360
16650311 GR5. 1YRHARD/2YRSOFT 545360 2096.67 360
16650318 GR5. 1YRHARD/2YRSOFT 350875 1312.5 360
16650325 GR5. 1YRHARD/2YRSOFT 145262.25 588.66 360
16650329 GR5. 1YRHARD/2YRSOFT 352880 1466.67 360
16650344 GR3. 1YRHARD 422854.5 1625.69 360
16650406 GR1. NOPP 342804.88 1282.31 360
16650409 GR5. 1YRHARD/2YRSOFT 200500 833.33 360
16650437 GR5. 1YRHARD/2YRSOFT 461150 1725 360
16650449 GR5. 1YRHARD/2YRSOFT 409020 1827.5 360
16650197 GR1. NOPP 431476 1927.83 360
16650210 GR5. 1YRHARD/2YRSOFT 524307.5 2342.6 360
16650221 GR5. 1YRHARD/2YRSOFT 304760 1361.67 360
16650637 GR1. NOPP 392980 1755.83 360
16650294 GR1. NOPP 188470 842.08 360
16648493 GR5. 1YRHARD/2YRSOFT 204429.8 828.43 360
16648501 GR5. 1YRHARD/2YRSOFT 360900 1275 360
16648507 GR1. NOPP 388970 1374.17 360
16648511 GR5. 1YRHARD/2YRSOFT 380950 1702.08 360
16648601 GR1. NOPP 336717.38 1365 360
16648610 GR1. NOPP 569420 2485 360
16648614 GR1. NOPP 544558 2206.75 360
16648517 GR5. 1YRHARD/2YRSOFT 153173.98 668.47 360
16648531 GR5. 1YRHARD/2YRSOFT 290574.51 1207.71 360
16648642 GR1. NOPP 268670 977.08 360
16648658 GR1. NOPP 372930 1395 360
16648678 GR5. 1YRHARD/2YRSOFT 617540 2502.5 360
16648687 GR1. NOPP 736837.5 2373.44 360
16648696 GR1. NOPP 411025 1708.33 360
16648697 GR5. 1YRHARD/2YRSOFT 214134 890 360
16648710 GR1. NOPP 461150 1533.33 360
16648795 GR5. 1YRHARD/2YRSOFT 184460 690 360
16648859 GR1. NOPP 577440 1920 360
16648979 GR5. 1YRHARD/2YRSOFT 713780 2892.5 360
16649007 GR1. NOPP 198294.5 618.13 360
16649013 GR5. 1YRHARD/2YRSOFT 250016.46 888.96 360
16649018 GR5. 1YRHARD/2YRSOFT 233081.25 799.22 360
16649235 GR1. NOPP 320699.75 1033.01 360
16649236 GR1. NOPP 248620 904.17 360
16649901 GR5. 1YRHARD/2YRSOFT 200500 708.33 360
16649990 GR2. SOFTPP/OTHER 324810 1451.25 360
16649992 GR2. SOFTPP/OTHER 121102 541.08 360
16650041 GR5. 1YRHARD/2YRSOFT 914280 3800 360
16650085 GR5. 1YRHARD/2YRSOFT 451125 1828.13 360
16650093 GR1. NOPP 585460 1885.83 360
16650127 GR1. NOPP 393782 1391.17 360
16644187 GR5. 1YRHARD/2YRSOFT 143457.75 536.63 360
16644241 GR5. 1YRHARD/2YRSOFT 194084 766.33 360
16645952 GR1. NOPP 481200 1600 360
16645960 GR1. NOPP 320800 1366.67 360
16645976 GR5. 1YRHARD/2YRSOFT 559595.5 2500.27 360
16646025 GR1. NOPP 288720 1020 360
16643907 GR5. 1YRHARD/2YRSOFT 316790 1152.08 360
16643933 GR5. 1YRHARD/2YRSOFT 375185.63 1442.42 360
16643943 GR5. 1YRHARD/2YRSOFT 270223.88 1038.89 360
16643951 GR5. 1YRHARD/2YRSOFT 521300 2329.17 360
16643961 GR5. 1YRHARD/2YRSOFT 329822.5 1439.38 360
16644016 GR5. 1YRHARD/2YRSOFT 593480 2713.33 360
16646098 GR1. NOPP 445912 1992.33 360
16646117 GR5. 1YRHARD/2YRSOFT 350875 1093.75 360
16646148 GR5. 1YRHARD/2YRSOFT 146130.41 637.73 360
16646150 GR5. 1YRHARD/2YRSOFT 517290 2150 360
16646153 GR5. 1YRHARD/2YRSOFT 651625 2505.21 360
16646154 GR3. 1YRHARD 351877.49 1243.13 360
16646172 GR5. 1YRHARD/2YRSOFT 425060 1855 360
16646216 GR5. 1YRHARD/2YRSOFT 461150 2060.42 360
16646222 GR3. 1YRHARD 429070 1694.17 360
16646248 GR5. 1YRHARD/2YRSOFT 412228 1670.5 360
16646273 GR5. 1YRHARD/2YRSOFT 320800 1266.67 360
16644036 GR3. 1YRHARD 553380 2242.5 360
16644044 GR3. 1YRHARD 188470 763.75 360
16644059 GR5. 1YRHARD/2YRSOFT 481200 2000 360
16646322 GR3. 1YRHARD 516287.5 2253.13 360
16646325 GR5. 1YRHARD/2YRSOFT 210525 853.13 360
16646331 GR5. 1YRHARD/2YRSOFT 418042.5 1867.81 360
16646333 GR1. NOPP 485210 1865.42 360
16644078 GR5. 1YRHARD/2YRSOFT 240600 975 360
16644080 GR5. 1YRHARD/2YRSOFT 517290 2313.4 360
16644107 GR1. NOPP 521300 2166.67 360
16646444 GR5. 1YRHARD/2YRSOFT 289513.98 1203.3 360
16644158 GR2. SOFTPP/OTHER 401000 1708.33 360
16644162 GR5. 1YRHARD/2YRSOFT 522904 2119 360
16646453 GR5. 1YRHARD/2YRSOFT 280700 1195.83 360
16646469 GR5. 1YRHARD/2YRSOFT 260650 1110.42 360
16646473 GR5. 1YRHARD/2YRSOFT 194785.75 769.1 360
16646492 GR1. NOPP 611224.25 2095.84 360
16646507 GR5. 1YRHARD/2YRSOFT 513280 2240 360
16646520 GR5. 1YRHARD/2YRSOFT 519696 2376 360
16646567 GR3. 1YRHARD 914280 2660 360
16648429 GR5. 1YRHARD/2YRSOFT 107788.8 436.8 360
16648450 GR5. 1YRHARD/2YRSOFT 103859 399.29 360
16648473 GR5. 1YRHARD/2YRSOFT 677690 2746.25 360
16643691 GR1. NOPP 320800 1200 360
16643747 GR3. 1YRHARD 340850 1239.58 360
16643771 GR1. NOPP 495150 1702.25 360
16643775 GR1. NOPP 614432.25 2745.28 360
16643805 GR5. 1YRHARD/2YRSOFT 505260 2152.5 360
16643809 GR1. NOPP 651625 2166.67 360
16643819 GR1. NOPP 418042.5 1433.44 360
16643821 GR5. 1YRHARD/2YRSOFT 270675 900 360
16643827 GR1. NOPP 625560 2145 360
16643835 GR5. 1YRHARD/2YRSOFT 204510 807.5 360
16643838 GR5. 1YRHARD/2YRSOFT 344860 1182.5 360
16643841 GR5. 1YRHARD/2YRSOFT 288720 1080 360
16643845 GR1. NOPP 416588.88 1774.74 360
16641391 GR1. NOPP 579344.75 1685.54 360
16641410 GR5. 1YRHARD/2YRSOFT 421050 1881.25 360
16643558 GR1. NOPP 227133.3 753.33 360
16643622 GR5. 1YRHARD/2YRSOFT 300750 1125 360
16643672 GR5. 1YRHARD/2YRSOFT 465160 1643.33 360
16643681 GR5. 1YRHARD/2YRSOFT 237392 838.67 360
16643685 GR1. NOPP 340850 1345.83 360
16641304 GR3. 1YRHARD 236590 909.58 360
16641307 GR5. 1YRHARD/2YRSOFT 203306.99 866.13 360
16641311 GR5. 1YRHARD/2YRSOFT 468368 1849.33 360
16641321 GR3. 1YRHARD 223758 860.25 360
16641325 GR5. 1YRHARD/2YRSOFT 632778 2498.5 360
16641330 GR3. 1YRHARD 216540 967.5 360
16638609 GR1. NOPP 154134.38 688.67 360
16638695 GR2. SOFTPP/OTHER 229372 762.67 360
16638726 GR5. 1YRHARD/2YRSOFT 461049.75 1916.25 360
16638728 GR1. NOPP 332830 1175.83 360
16638780 GR1. NOPP 232580 966.67 360
16638789 GR5. 1YRHARD/2YRSOFT 159021.56 677.46 360
16638800 GR5. 1YRHARD/2YRSOFT 284710 1212.92 360
16638804 GR5. 1YRHARD/2YRSOFT 239898.25 822.59 360
16638836 GR5. 1YRHARD/2YRSOFT 320800 1100 360
16638873 GR1. NOPP 400699.25 1290.7 360
16638882 GR5. 1YRHARD/2YRSOFT 311176 1358 360
16638931 GR1. NOPP 258244 885.5 360
16638934 GR1. NOPP 137342.5 485.21 360
16638939 GR1. NOPP 464658.75 1834.69 360
16638505 GR5. 1YRHARD/2YRSOFT 573430 2502.5 360
16638949 GR1. NOPP 461150 1629.17 360
16638954 GR1. NOPP 185262 596.75 360
16638984 GR1. NOPP 183314.94 722 360
16640652 GR3. 1YRHARD 521300 2166.67 360
16640678 GR1. NOPP 932325 3293.75 360
16640682 GR1. NOPP 842100 3325 360
16640702 GR5. 1YRHARD/2YRSOFT 319103.77 1094.18 360
16640707 GR1. NOPP 111026.88 449.92 360
16640721 GR3. 1YRHARD 380609.15 1700.56 360
16640742 GR5. 1YRHARD/2YRSOFT 312780 1397.5 360
16640810 GR1. NOPP 230687.28 1030.71 360
16640836 GR1. NOPP 651625 2437.5 360
16640839 GR1. NOPP 325612 1218 360
16640853 GR5. 1YRHARD/2YRSOFT 344860 1540.83 360
16640863 GR2. SOFTPP/OTHER 338845 1091.46 360
16640867 GR3. 1YRHARD 627164 2802.17 360
16640877 GR5. 1YRHARD/2YRSOFT 237392 962 360
16640882 GR1. NOPP 290725 936.46 360
16640899 GR5. 1YRHARD/2YRSOFT 461150 2060.42 360
16640911 GR1. NOPP 455435.75 1892.92 360
16640942 GR5. 1YRHARD/2YRSOFT 293732.5 946.15 360
16640945 GR5. 1YRHARD/2YRSOFT 569420 2130 360
16640954 GR2. SOFTPP/OTHER 244440.98 991.25 360
16640958 GR1. NOPP 86365.38 323.06 360
16640979 GR2. SOFTPP/OTHER 236590 934.17 360
16641006 GR5. 1YRHARD/2YRSOFT 413030 1545 360
16641101 GR5. 1YRHARD/2YRSOFT 223758 976.5 360
16641105 GR5. 1YRHARD/2YRSOFT 196490 877.92 360
16641144 GR1. NOPP 513280 1813.33 360
16641190 GR1. NOPP 347917.63 1409.89 360
16641199 GR5. 1YRHARD/2YRSOFT 576437.5 2036.46 360
16641219 GR1. NOPP 419405.9 1699.59 360
16641237 GR5. 1YRHARD/2YRSOFT 432278 1931.42 360
16638573 GR5. 1YRHARD/2YRSOFT 143477.8 641.06 360
16641262 GR5. 1YRHARD/2YRSOFT 267868 1085.5 360
16641287 GR5. 1YRHARD/2YRSOFT 245813 970.58 360
16633083 GR5. 1YRHARD/2YRSOFT 529541.55 1980.83 360
16633153 GR1. NOPP 311176 1390.33 360
16633156 GR5. 1YRHARD/2YRSOFT 319998 1396.5 360
16633165 GR5. 1YRHARD/2YRSOFT 532295.42 1991.13 360
16633185 GR5. 1YRHARD/2YRSOFT 380950 1306.25 360
16634211 GR5. 1YRHARD/2YRSOFT 327815.43 1329.25 360
16634220 GR3. 1YRHARD 162780.94 625.82 360
16634260 GR1. NOPP 130325 528.13 360
16634274 GR1. NOPP 398995 1616.88 360
16634284 GR1. NOPP 355185.75 1439.34 360
16634285 GR5. 1YRHARD/2YRSOFT 332830 1417.92 360
16633044 GR3. 1YRHARD 665660 2974.17 360
16633050 GR5. 1YRHARD/2YRSOFT 296740 1264.17 360
16633061 GR5. 1YRHARD/2YRSOFT 216540 967.5 360
16633062 GR5. 1YRHARD/2YRSOFT 372930 1550 360
16633065 GR5. 1YRHARD/2YRSOFT 201302 878.5 360
16633066 GR2. SOFTPP/OTHER 168420 752.5 360
16634307 GR5. 1YRHARD/2YRSOFT 428067.5 1556.77 360
16634319 GR5. 1YRHARD/2YRSOFT 401000 1500 360
16634330 GR5. 1YRHARD/2YRSOFT 433080 1620 360
16634345 GR5. 1YRHARD/2YRSOFT 406012.49 1434.38 360
16634362 GR5. 1YRHARD/2YRSOFT 366914.99 1410.63 360
16634367 GR5. 1YRHARD/2YRSOFT 248620 800.83 360
16634375 GR5. 1YRHARD/2YRSOFT 360900 1387.5 360
16634385 GR5. 1YRHARD/2YRSOFT 375135.5 1442.23 360
16634424 GR5. 1YRHARD/2YRSOFT 129924 567 360
16634425 GR1. NOPP 372930 1278.75 360
16634432 GR5. 1YRHARD/2YRSOFT 228570 878.75 360
16634460 GR5. 1YRHARD/2YRSOFT 541350 2418.75 360
16634527 GR5. 1YRHARD/2YRSOFT 159197 645.13 360
16634562 GR3. 1YRHARD 319115.8 1127.38 360
16634578 GR1. NOPP 228570 926.25 360
16634603 GR3. 1YRHARD 314385.26 1181.25 360
16634612 GR5. 1YRHARD/2YRSOFT 457140 2042.5 360
16634624 GR3. 1YRHARD 331226 1239 360
16634661 GR2. SOFTPP/OTHER 636186.5 2445.85 360
16634695 GR2. SOFTPP/OTHER 514182.25 1656.24 360
16634728 GR1. NOPP 272680 1133.33 360
16634744 GR5. 1YRHARD/2YRSOFT 326815 984.79 360
16634783 GR5. 1YRHARD/2YRSOFT 324810 1215 360
16634833 GR5. 1YRHARD/2YRSOFT 204510 892.5 360
16638171 GR5. 1YRHARD/2YRSOFT 200500 750 360
16638190 GR1. NOPP 384960 1400 360
16638211 GR5. 1YRHARD/2YRSOFT 332830 1141.25 360
16638340 GR1. NOPP 312780 1105 360
16638342 GR1. NOPP 930320 2996.67 360
16638373 GR1. NOPP 665660 1660 360
16638375 GR1. NOPP 602502.5 2191.15 360
16638381 GR1. NOPP 601500 1875 360
16638382 GR1. NOPP 344860 1325.83 360
16638390 GR1. NOPP 432328.12 1617.19 360
16638400 GR1. NOPP 269221.38 1007.06 360
16638403 GR1. NOPP 137342.5 470.94 360
16638420 GR5. 1YRHARD/2YRSOFT 207317 926.29 360
16638428 GR1. NOPP 353381.25 1321.88 360
16638435 GR1. NOPP 521300 2058.33 360
16638445 GR5. 1YRHARD/2YRSOFT 260584.84 947.68 360
16638476 GR1. NOPP 531726 2375.75 360
16638486 GR5. 1YRHARD/2YRSOFT 449120 2006.67 360
16638487 GR1. NOPP 311978 940.08 360
16638501 GR1. NOPP 477190 1586.67 360
16632999 GR5. 1YRHARD/2YRSOFT 633580 2567.5 360
16633004 GR5. 1YRHARD/2YRSOFT 198896 744 360
16632857 GR1. NOPP 293231.25 1035.94 360
16632984 GR1. NOPP 300750 1312.5 360
16632985 GR5. 1YRHARD/2YRSOFT 789468.75 3363.28 360
16628769 GR1. NOPP 280700 1225 360
16628783 GR1. NOPP 300750 1031.25 360
16628789 GR5. 1YRHARD/2YRSOFT 273682.5 995.31 360
16628794 GR5. 1YRHARD/2YRSOFT 90626 386.08 360
16628795 GR5. 1YRHARD/2YRSOFT 352880 1320 360
16628812 GR5. 1YRHARD/2YRSOFT 312780 1202.5 360
16628821 GR1. NOPP 651625 2369.79 360
16628828 GR5. 1YRHARD/2YRSOFT 165626.58 618 360
16628843 GR5. 1YRHARD/2YRSOFT 469170 1706.25 360
16628858 GR1. NOPP 629430.47 1837.5 360
16628907 GR1. NOPP 360900 1200 360
16628946 GR1. NOPP 315787.5 1279.69 360
16628690 GR5. 1YRHARD/2YRSOFT 264660 990 360
16628963 GR1. NOPP 402253.12 1755.47 360
16628999 GR1. NOPP 392899.79 1428.88 360
16629005 GR5. 1YRHARD/2YRSOFT 257141.25 828.28 360
16629009 GR5. 1YRHARD/2YRSOFT 651625 2369.79 360
16629019 GR1. NOPP 589470 1837.5 360
16629026 GR5. 1YRHARD/2YRSOFT 638592.5 2256.04 360
16629028 GR5. 1YRHARD/2YRSOFT 403506.25 1467.45 360
16629031 GR5. 1YRHARD/2YRSOFT 308770 1347.5 360
16629056 GR1. NOPP 473180 1573.33 360
16629066 GR4. 1YRHARD/1YRSOFT 184460 690 360
16629068 GR1. NOPP 520498 1784.75 360
16629113 GR4. 1YRHARD/1YRSOFT 481200 2150 360
16629123 GR5. 1YRHARD/2YRSOFT 425060 1810.83 360
16629148 GR1. NOPP 384158 1556.75 360
16629167 GR5. 1YRHARD/2YRSOFT 464157.5 1543.33 360
16628745 GR5. 1YRHARD/2YRSOFT 275837.87 917.17 360
16629178 GR1. NOPP 274685 970.42 360
16629184 GR1. NOPP 470623.63 2004.94 360
16629200 GR5. 1YRHARD/2YRSOFT 335837.5 1430.73 360
16629220 GR5. 1YRHARD/2YRSOFT 321551.87 1303.05 360
16629242 GR3. 1YRHARD 703354 2338.67 360
16629251 GR5. 1YRHARD/2YRSOFT 506262.5 1841.15 360
16629258 GR5. 1YRHARD/2YRSOFT 280700 1195.83 360
16629288 GR5. 1YRHARD/2YRSOFT 769920 3280 360
16629304 GR5. 1YRHARD/2YRSOFT 359296 1344 360
16629331 GR1. NOPP 290725 1027.08 360
16632258 GR5. 1YRHARD/2YRSOFT 166014 741.75 360
16632283 GR5. 1YRHARD/2YRSOFT 435907.05 1721.16 360
16632311 GR5. 1YRHARD/2YRSOFT 256522.71 1039.52 360
16632314 GR1. NOPP 268569.75 976.72 360
16632327 GR1. NOPP 362504 1318.33 360
16632338 GR1. NOPP 303156 1260 360
16632347 GR1. NOPP 962400 3800 360
16632367 GR1. NOPP 388889.8 1697.15 360
16632371 GR1. NOPP 262254 981 360
16632474 GR5. 1YRHARD/2YRSOFT 233163.75 918.33 360
16632571 GR5. 1YRHARD/2YRSOFT 232580 894.17 360
16632646 GR5. 1YRHARD/2YRSOFT 206419.77 772.14 360
16632647 GR1. NOPP 457140 2042.5 360
16632670 GR5. 1YRHARD/2YRSOFT 689720 2723.33 360
16632683 GR5. 1YRHARD/2YRSOFT 206114 771 360
16632748 GR1. NOPP 401000 1333.33 360
16632832 GR1. NOPP 296740 863.33 360
16616320 GR1. NOPP 333832.5 1283.44 360
16616325 GR1. NOPP 204510 871.25 360
16616471 GR5. 1YRHARD/2YRSOFT 230976 912 360
16616494 GR1. NOPP 240600 1075 360
16616559 GR5. 1YRHARD/2YRSOFT 352880 1430 360
16616413 GR5. 1YRHARD/2YRSOFT 239798 946.83 360
16616462 GR5. 1YRHARD/2YRSOFT 751423.87 3357.36 360
16616586 GR5. 1YRHARD/2YRSOFT 453932 1839.5 360
16616644 GR1. NOPP 276790.25 1092.9 360
16611647 GR5. 1YRHARD/2YRSOFT 577440 2040 360
16611652 GR2. SOFTPP/OTHER 285712.5 1009.38 360
16611758 GR3. 1YRHARD 593480 2651.67 360
16611794 GR2. SOFTPP/OTHER 465059.75 1932.92 360
16611822 GR5. 1YRHARD/2YRSOFT 169071.63 667.57 360
16611831 GR1. NOPP 324492.5 1282.5 360
16611837 GR1. NOPP 538688.94 2233.33 360
16611844 GR5. 1YRHARD/2YRSOFT 422106.56 1575 360
16611879 GR5. 1YRHARD/2YRSOFT 509270 1957.92 360
16611897 GR5. 1YRHARD/2YRSOFT 241204.25 1100 360
16611912 GR5. 1YRHARD/2YRSOFT 253532.25 1080.09 360
16611914 GR5. 1YRHARD/2YRSOFT 260650 1164.58 360
16611923 GR5. 1YRHARD/2YRSOFT 226966 896.17 360
16611938 GR1. NOPP 569420 2544.17 360
16611947 GR5. 1YRHARD/2YRSOFT 378544 1416 360
16612696 GR5. 1YRHARD/2YRSOFT 648016 2895.33 360
16612740 GR3. 1YRHARD 541350 2418.75 360
16612752 GR5. 1YRHARD/2YRSOFT 360900 1462.5 360
16612767 GR1. NOPP 160400 616.67 360
16612775 GR5. 1YRHARD/2YRSOFT 387366 1610 360
16612777 GR5. 1YRHARD/2YRSOFT 224560 956.67 360
16612804 GR1. NOPP 518086.09 2147.92 360
16612811 GR1. NOPP 252630 892.5 360
16612826 GR1. NOPP 355373.53 1326 360
16612829 GR1. NOPP 395305.8 1560.85 360
16612842 GR5. 1YRHARD/2YRSOFT 352880 1466.67 360
16612846 GR1. NOPP 453130 1789.17 360
16612874 GR1. NOPP 422252.99 1798.88 360
16612923 GR5. 1YRHARD/2YRSOFT 450122.5 1590.21 360
16612949 GR5. 1YRHARD/2YRSOFT 264660 1072.5 360
16612972 GR5. 1YRHARD/2YRSOFT 360900 1462.5 360
16612993 GR5. 1YRHARD/2YRSOFT 413030 1502.08 360
16613002 GR1. NOPP 312780 1040 360
16613092 GR2. SOFTPP/OTHER 318394 1422.58 360
16613107 GR5. 1YRHARD/2YRSOFT 160400 633.33 360
16613108 GR5. 1YRHARD/2YRSOFT 368118 1568.25 360
16613118 GR5. 1YRHARD/2YRSOFT 190000.29 770.45 360
16613188 GR1. NOPP 364910 1365 360
16613199 GR1. NOPP 255737.75 850.33 360
16613202 GR2. SOFTPP/OTHER 651625 2911.46 360
16613217 GR5. 1YRHARD/2YRSOFT 368839.8 1418.03 360
16613231 GR5. 1YRHARD/2YRSOFT 621550 2777.08 360
16613259 GR5. 1YRHARD/2YRSOFT 320800 1433.33 360
16613281 GR1. NOPP 315787.5 1279.69 360
16613289 GR5. 1YRHARD/2YRSOFT 377368.07 1490.02 360
16613293 GR5. 1YRHARD/2YRSOFT 922300 3641.67 360
16613295 GR5. 1YRHARD/2YRSOFT 569420 2307.5 360
16613303 GR5. 1YRHARD/2YRSOFT 189676.01 808.05 360
16616016 GR1. NOPP 417040 1733.33 360
16616017 GR5. 1YRHARD/2YRSOFT 1280693.75 3992.19 360
16616019 GR1. NOPP 288720 1170 360
16616081 GR5. 1YRHARD/2YRSOFT 683550.62 3054.1 360
16616089 GR1. NOPP 414634 1507.92 360
16616136 GR5. 1YRHARD/2YRSOFT 977437.5 4164.06 360
16616155 GR1. NOPP 106565.75 476.14 360
16616168 GR5. 1YRHARD/2YRSOFT 281903 966.63 360
16616199 GR3. 1YRHARD 256640 960 360
16616218 GR1. NOPP 649620 2565 360
16616261 GR3. 1YRHARD 226966 966.92 360
16616270 GR5. 1YRHARD/2YRSOFT 320800 1133.33 360
16616282 GR1. NOPP 125000 403.65 360
16616284 GR1. NOPP 320800 1266.67 360
16546182 GR1. NOPP 340850 1275 360
16546322 GR1. NOPP 385926 1440 360
16544375 GR5. 1YRHARD/2YRSOFT 360900 1687.5 360
16545158 GR2. SOFTPP/OTHER 549370 2055 360
16468666 GR5. 1YRHARD/2YRSOFT 1001889.91 4583.33 360
16468073 GR5. 1YRHARD/2YRSOFT 477190 2132.08 360
16468277 GR1. NOPP 504686.57 2359.82 360
16420112 GR5. 1YRHARD/2YRSOFT 272680 1133.33 360
16568772 GR1. NOPP 330825 1100 360
16565075 GR1. NOPP 154435.13 561.64 360
16567579 GR5. 1YRHARD/2YRSOFT 150776 532.67 360
16567581 GR1. NOPP 502507.81 1875 360
16567635 GR1. NOPP 173432.5 666.77 360
16567651 GR1. NOPP 230575 934.38 360
16563279 GR1. NOPP 201002.6 541.67 360
16563286 GR5. 1YRHARD/2YRSOFT 882200 3941.67 360
16564441 GR5. 1YRHARD/2YRSOFT 180450 581.25 360
16564456 GR5. 1YRHARD/2YRSOFT 285662.38 1187.29 360
16564519 GR5. 1YRHARD/2YRSOFT 252630 971.25 360
16563266 GR5. 1YRHARD/2YRSOFT 399396 1743 360
16688262 GR1. NOPP 244610 940.42 360
16688090 GR1. NOPP 481200 1900 360
16688091 GR5. 1YRHARD/2YRSOFT 489220 2084.17 360
16688093 GR1. NOPP 490773.87 1988.8 360
16688323 GR1. NOPP 401000 1583.33 360
16688132 GR5. 1YRHARD/2YRSOFT 320699.75 1432.89 360
16688134 GR1. NOPP 299146 1056.83 360
16688142 GR1. NOPP 500999.38 1665.83 360
16688175 GR1. NOPP 409020 1572.5 360
16688180 GR1. NOPP 401000 1583.33 360
16404249 GR1. NOPP 1804500 6937.5 360
16403929 GR1. NOPP 405010 1935.83 360
16393936 GR1. NOPP 191468.65 756.04 360
16390321 GR1. NOPP 464317.46 1828.75 360
LOAN_SEQ STATED_REM_TERM CURRENT_NET_COUPON TRUSTFEE LPMI
____________________________________________________________________________________________________________
16611603 359 7.9905 0.0095 0
16359531 358 8.3655 0.0095 0
16419779 360 7.3655 0.0095 0
16419798 359 7.4905 0.0095 0
16419821 359 7.4905 0.0095 0
16419838 359 8.2405 0.0095 0
16419866 359 7.4905 0.0095 0
16419879 360 7.7405 0.0095 0
16400134 358 7.3655 0.0095 0
16540023 360 7.9905 0.0095 0
16394551 357 6.9905 0.0095 0
16543509 359 7.2405 0.0095 0
16545858 359 7.3655 0.0095 0
16548392 359 7.4905 0.0095 0
16548421 359 7.2405 0.0095 0
16567196 359 6.7405 0.0095 0
16567279 359 8.3655 0.0095 0
16568545 359 7.1155 0.0095 0
16568548 360 8.3655 0.0095 0
16568470 359 7.3655 0.0095 0
16568613 359 7.2405 0.0095 0
16568683 359 7.2405 0.0095 0
16569740 359 7.3655 0.0095 0
16569767 358 7.4905 0.0095 0
16571443 360 7.4905 0.0095 0
16574612 360 7.4905 0.0095 0
16590792 359 7.4905 0.0095 0
16590800 359 8.6155 0.0095 0
16574720 360 7.2405 0.0095 0
16585329 359 7.4905 0.0095 0
16585346 359 7.6155 0.0095 0
16585353 359 7.7405 0.0095 0
16594390 360 7.6155 0.0095 0
16594423 360 6.6155 0.0095 0
16594440 360 7.1155 0.0095 0
16595890 359 7.3655 0.0095 0
16596005 359 7.7405 0.0095 0
16595916 359 8.1155 0.0095 0
16596083 359 6.1155 0.0095 0
16595904 359 7.7405 0.0095 0
16597006 360 6.9905 0.0095 0
16597070 360 7.4905 0.0095 0
16596928 359 6.3655 0.0095 0
16597105 359 9.1155 0.0095 0
16599198 359 6.6155 0.0095 0
16599131 360 8.2405 0.0095 0
16599286 360 7.4905 0.0095 0
16599292 359 6.8655 0.0095 0
16599145 359 7.4905 0.0095 0
16600671 360 6.9905 0.0095 0
16600700 359 6.8655 0.0095 0
16600595 359 7.4905 0.0095 0
16601721 360 7.7405 0.0095 0
16601668 359 7.4905 0.0095 0
16601733 359 7.4905 0.0095 0
16601768 359 7.4905 0.0095 0
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16603629 359 6.7405 0.0095 0
16603632 360 7.4905 0.0095 0
16603634 359 6.9905 0.0095 0
16603643 359 7.8655 0.0095 0
16603582 359 7.2405 0.0095 0
16603756 359 7.2405 0.0095 0
16603767 359 7.3655 0.0095 0
16603604 359 7.9905 0.0095 0
16605485 359 7.6155 0.0095 0
16605499 359 7.1155 0.0095 0
16605516 359 7.4905 0.0095 0
16605407 359 6.8655 0.0095 0
16605416 359 7.4905 0.0095 0
16605418 359 8.1155 0.0095 0
16605430 359 8.2405 0.0095 0
16605431 360 7.9905 0.0095 0
16605450 359 6.9905 0.0095 0
16605581 359 7.4905 0.0095 0
16609360 359 6.8655 0.0095 0
16609368 360 7.4905 0.0095 0
16609378 359 7.6155 0.0095 0
16609416 359 7.4905 0.0095 0
16609288 359 7.6155 0.0095 0
16609293 359 7.2405 0.0095 0
16609428 359 6.8655 0.0095 0
16609456 359 6.3655 0.0095 0
16609460 359 7.8655 0.0095 0
16609325 359 8.1155 0.0095 0
16610929 359 7.4905 0.0095 0
16611021 360 7.3655 0.0095 0
16611038 360 8.3655 0.0095 0
16611076 359 7.1155 0.0095 0
16610955 359 6.9905 0.0095 0
16611078 359 7.2405 0.0095 0
16610958 359 7.4905 0.0095 0
16610962 359 7.8655 0.0095 0
16611097 360 7.2405 0.0095 0
16611101 360 7.7405 0.0095 0
16611115 360 6.2405 0.0095 0
16611175 359 7.2405 0.0095 0
16612449 359 7.4905 0.0095 0
16612452 360 7.1155 0.0095 0
16612397 359 7.8655 0.0095 0
16612496 360 6.4905 0.0095 0
16612512 360 7.1155 0.0095 0
16612516 360 7.3655 0.0095 0
16612517 359 7.4905 0.0095 0
16612591 360 7.7405 0.0095 0
16612605 360 7.4905 0.0095 0
16615778 359 8.1155 0.0095 0
16615849 360 7.4905 0.0095 0
16615851 360 7.9905 0.0095 0
16615718 359 7.3655 0.0095 0
16615870 360 7.9905 0.0095 0
16615877 360 6.7405 0.0095 0
16615918 359 7.7405 0.0095 0
16615739 360 7.8655 0.0095 0
16628499 360 7.2405 0.0095 0
16628501 360 7.7405 0.0095 0
16628512 359 7.2405 0.0095 0
16628418 359 8.1155 0.0095 0
16628533 359 8.2405 0.0095 0
16628545 360 6.9905 0.0095 0
16628552 359 7.1155 0.0095 0
16628553 359 6.7405 0.0095 0
16628555 360 7.3655 0.0095 0
16628451 359 7.3655 0.0095 0
16628587 360 8.4905 0.0095 0
16628596 360 6.4905 0.0095 0
16628626 359 7.8655 0.0095 0
16628631 360 7.4905 0.0095 0
16628467 359 7.9905 0.0095 0
16628637 359 8.1155 0.0095 0
16628646 360 6.8655 0.0095 0
16628648 359 6.9905 0.0095 0
16631156 360 7.1155 0.0095 0
16631189 360 7.4905 0.0095 0
16631222 360 7.4905 0.0095 0
16631245 360 7.4905 0.0095 0
16631250 359 7.2405 0.0095 0
16631256 359 7.7405 0.0095 0
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16630968 359 7.9905 0.0095 0
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16633993 360 7.4905 0.0095 0
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16634000 360 7.6155 0.0095 0
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16634005 359 6.9905 0.0095 0
16634011 359 7.8655 0.0095 0
16634013 359 7.7405 0.0095 0
16634018 360 7.2405 0.0095 0
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16634052 359 7.7405 0.0095 0
16634065 360 8.2405 0.0095 0
16633678 360 7.9905 0.0095 0
16634075 359 7.6155 0.0095 0
16634083 359 6.6155 0.0095 0
16634085 359 7.3655 0.0095 0
16633683 359 7.6155 0.0095 0
16634104 359 7.8655 0.0095 0
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16634126 360 7.3655 0.0095 0
16634143 359 7.8655 0.0095 0
16638025 360 6.8655 0.0095 0
16638038 360 7.6155 0.0095 0
16637957 359 7.8655 0.0095 0
16638090 360 7.1155 0.0095 0
16640557 360 7.8655 0.0095 0
16640563 360 6.3655 0.0095 0
16640428 359 7.9905 0.0095 0
16640597 359 8.8655 0.0095 0
16640601 360 7.4905 0.0095 0
16640444 359 7.1155 0.0095 0
16638114 360 7.2405 0.0095 0
16638118 360 6.4905 0.0095 0
16638130 359 8.3655 0.0095 0
16637991 359 7.8655 0.0095 0
16638002 359 7.3655 0.0095 0
16638166 360 8.3655 0.0095 0
16640486 359 6.9905 0.0095 0
16640499 360 6.9905 0.0095 0
16640500 360 7.4905 0.0095 0
16640506 360 6.4905 0.0095 0
16640510 359 6.9905 0.0095 0
16640523 360 7.1155 0.0095 0
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16640405 359 7.7405 0.0095 0
16640406 359 7.6155 0.0095 0
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16650946 360 6.8655 0.0095 0
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16650897 360 6.7405 0.0095 0
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16663671 360 7.1155 0.0095 0
16663686 360 9.2405 0.0095 0
16663689 360 6.4905 0.0095 0
16665269 360 7.4905 0.0095 0
16665277 360 6.6155 0.0095 0
16665285 360 7.8655 0.0095 0
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16665308 360 7.8655 0.0095 0
16665320 360 7.1155 0.0095 0
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16670010 360 6.9905 0.0095 0
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16670072 360 8.3655 0.0095 0
16670079 360 7.2405 0.0095 0
16670087 360 8.8655 0.0095 0
16670092 360 7.7405 0.0095 0
16670108 360 6.7405 0.0095 0
16670112 360 7.1155 0.0095 0
16670128 360 7.6155 0.0095 0
16670137 360 7.1155 0.0095 0
16670140 360 6.4905 0.0095 0
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16390321 358 7.3655 0.0095 0
LOAN_SEQ MSERV SERV_FEE CURRENT_GROSS_COUPON CITY1
________________________________________________________________________________________________________________
16611603 0 0.375 8.375 Los Angeles
16359531 0 0.375 8.75 Lincoln
16419779 0 0.375 7.75 Xxxxxxx
16419798 0 0.375 7.875 HAWTHORNE
16419821 0 0.375 7.875 Las Vegas
16419838 0 0.375 8.625 San Diego
16419866 0 0.375 7.875 Xxxxxx Springs
16419879 0 0.375 8.125 XXXX
16400134 0 0.375 7.75 STATELINE
16540023 0 0.375 8.375 Kissimmee
16394551 0 0.375 7.375 San Diego
16543509 0 0.375 7.625 Xxxxxx Valley
16545858 0 0.375 7.75 Xxxxxx
16548392 0 0.375 7.875 Irvine
16548421 0 0.375 7.625 Fullerton
16567196 0 0.375 7.125 Portland
16567279 0 0.375 8.75 Mesa
16568545 0 0.375 7.5 Long Beach
16568548 0 0.375 8.75 Linden
16568470 0 0.375 7.75 Brea
16568613 0 0.375 7.625 Washington
16568683 0 0.375 7.625 Whittier
16569740 0 0.375 7.75 Fontana
16569767 0 0.375 7.875 Riverside
16571443 0 0.375 7.875 Cape Coral
16574612 0 0.375 7.875 GRAND ISLAND
16590792 0 0.375 7.875 Roseville
16590800 0 0.375 9 Westminster
16574720 0 0.375 7.625 Hawthorne
16585329 0 0.375 7.875 Porterville
16585346 0 0.375 8 Xxxx City
16585353 0 0.000 0.000 (XXXXXX XXXX XXXX) LOS A
16594390 0 0.375 8 Hayward
16594423 0 0.375 7 BUCKEYE
16594440 0 0.375 7.5 Fort Worth
16595890 0 0.375 7.75 Burbank
00000000 0 0.375 8.125 Long Beach
16595916 0 0.375 8.5 Hemet
16596083 0 0.375 6.5 Maricopa
16595904 0 0.375 8.125 PLAINFIELD
16597006 0 0.375 7.375 Sterling
16597070 0 0.375 7.875 Cape Coral
16596928 0 0.375 6.75 Marcus Hook
16597105 0 0.375 9.5 Bloomington
16599198 0 0.375 7 Windermere
16599131 0 0.375 8.625 Whittier
16599286 0 0.375 7.875 Portland
16599292 0 0.375 7.25 Xx Xxxxxx
00000000 0 0.375 7.875 Cape Coral
16600671 0 0.375 7.375 Las Vegas
16600700 0 0.375 7.25 Victorville
16600595 0 0.375 7.875 STOCKTON
16601721 0 0.375 8.125 Bridgeport
16601668 0 0.375 7.875 Bakersfield
16601733 0 0.375 7.875 Annapolis
16601768 0 0.375 7.875 Lynnwood
16601795 0 0.375 8.375 Corona
16603629 0 0.375 7.125 Queen Creek
16603632 0 0.375 7.875 Fort Washington
16603634 0 0.375 7.375 Deltona
16603643 0 0.375 8.25 ISSAQUAH
16603582 0 0.375 7.625 FONTANA
16603756 0 0.375 7.625 ANAHEIM
16603767 0 0.375 7.75 Los Angeles
16603604 0 0.375 8.375 Los Banos
16605485 0 0.375 8 Mission Viejo
16605499 0 0.375 7.5 Menomonee Falls
16605516 0 0.375 7.875 Deerfield
16605407 0 0.375 7.25 Lake Balboa
16605416 0 0.375 7.875 Xxx Xxxx
00000000 0 0.375 8.5 XXXXXXX OAKS
16605430 0 0.375 8.625 San Diego
16605431 0 0.375 8.375 Bakersfield
16605450 0 0.375 7.375 Sun City West
16605581 0 0.375 7.875 Crystal
16609360 0 0.375 7.25 Whittier
16609368 0 0.375 7.875 Miramar
16609378 0 0.375 8 San Diego
16609416 0 0.375 7.875 Farmington
16609288 0 0.375 8 Fountain Valley
16609293 0 0.375 7.625 Oxnard
16609428 0 0.375 7.25 Fairfield
16609456 0 0.375 6.75 Phoenix
16609460 0 0.375 8.25 Garden Grove
16609325 0 0.375 8.5 RIVERSIDE
16610929 0 0.375 7.875 San Pablo
16611021 0 0.375 7.75 ALEXANDRIA
16611038 0 0.375 8.75 Richmond
16611076 0 0.375 7.5 Redondo Beach
16610955 0 0.375 7.375 Galt
16611078 0 0.375 7.625 Hacienda Heights
16610958 0 0.375 7.875 Lancaster
16610962 0 0.375 8.25 San Leandro
16611097 0 0.375 7.625 Phoenix
16611101 0 0.375 8.125 Easton
16611115 0 0.375 6.625 Fountain Hills
16611175 0 0.375 7.625 Waterford
16612449 0 0.375 7.875 Wildomar
16612452 0 0.375 7.5 Centreville
16612397 0 0.375 8.25 North Hollywood
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______________________________________________________________________________________
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16650085 CA 92688 PUD 20361001
16650093 CA 95003 Single Family 20361001
16650127 NJ 7869 Single Family 20361001
16644187 XX 00000 Single Family 20361001
16644241 XX 00000 Single Family 20361001
16645952 FL 33165 Single Family 20361001
16645960 IL 60402 Single Family 20361001
16645976 NV 89015 PUD 20361001
16646025 XX 00000 Single Family 20361001
16643907 FL 32821 PUD 20361001
16643933 CA 94928 Single Family 20361001
16643943 CA 95835 PUD 20361001
16643951 CA 94605 Single Family 20361001
16643961 CA 94801 Single Family 20361001
16644016 CA 95138 Single Family 20361001
16646098 CA 92065 Single Family 20361001
16646117 CA 94124 PUD 20361001
16646148 FL 33401 Condominium 20361001
16646150 CA 92860 Single Family 20361001
16646153 CA 91325 Single Family 20361001
16646154 CA 95758 Single Family 20361001
16646172 CA 95624 Single Family 20361001
16646216 CA 94806 Single Family 20361001
16646222 CA 93551 PUD 20361001
16646248 CA 94534 Single Family 20361001
16646273 CA 90001 Single Family 20361001
16644036 CA 91344 Single Family 20361001
16644044 NV 89074 Townhouse 20361001
16644059 CA 91306 Single Family 20361001
16646322 CA 93611 Single Family 20361001
16646325 CO 80015 PUD 20361001
16646331 NV 89141 PUD 20361001
16646333 FL 32407 Condominium 20361001
16644078 CA 92307 Single Family 20361001
16644080 CA 91801 Single Family 20361001
16644107 AZ 85251 PUD 20361001
16646444 CA 92324 Single Family 20361001
16644158 CA 94619 Single Family 20361001
16644162 CA 91306 Single Family 20361001
16646453 CA 95758 Single Family 20361001
16646469 CA 95209 PUD 20361001
16646473 AZ 85236 PUD 20361001
16646492 CA 95404 PUD 20361001
16646507 CA 92840 Single Family 20361001
16646520 CA 92804 Single Family 20361001
16646567 CA 92705 Single Family 20361001
16648429 AZ 85706 Single Family 20361001
16648450 ID 83687 PUD 20361001
16648473 CA 94513 Single Family 20361001
16643691 CA 93453 Single Family 20361001
16643747 CA 94805 Single Family 20361001
16643771 GA 30062 PUD 20361001
16643775 MD 20772 Single Family 20361001
16643805 VA 22025 PUD 20361001
16643809 FL 33467 PUD 20361001
16643819 CA 95062 Single Family 20361001
16643821 CA 95336 Single Family 20361001
16643827 CO 80027 PUD 20361001
16643835 AZ 85335 PUD 20361001
16643838 CA 92503 Single Family 20361001
16643841 CA 92335 Single Family 20361001
16643845 MD 21117 PUD 20361001
16641391 GA 30062 PUD 20361001
16641410 CA 90605 Single Family 20361001
16643558 CA 95401 Single Family 20360901
16643622 CA 92234 Single Family 20361001
16643672 CA 92336 Single Family 20361001
16643681 CA 95667 Single Family 20361001
16643685 CA 95666 Single Family 20361001
16641304 CA 91761 Condominium 20361001
16641307 WA 98374 PUD 20361001
16641311 CA 90637 Single Family 20361001
16641321 CA 92544 Single Family 20361001
16641325 FL 33031 Single Family 20361001
16641330 CA 93306 Single Family 20361001
16638609 IL 60446 PUD 20361001
16638695 FL 32712 PUD 20361001
16638726 CA 92029 Single Family 20361001
16638728 XX 00000 Single Family 20361001
16638780 CA 93221 Single Family 20361001
16638789 CA 93505 Single Family 20361001
16638800 CA 92203 Single Family 20361001
16638804 CA 95833 PUD 20361001
16638836 OR 97504 PUD 20361001
16638873 CA 91790 Single Family 20361001
16638882 CA 93722 Single Family 20361001
16638931 CA 93611 Single Family 20361001
16638934 GA 30102 PUD 20361001
16638939 GA 30043 PUD 20361001
16638505 CA 92705 Single Family 20361001
16638949 VA 22041 PUD 20361001
16638954 GA 30144 PUD 20361001
16638984 GA 30291 Single Family 20360901
16640652 VA 22003 Single Family 20361001
16640678 CA 94010 Single Family 20361001
16640682 CA 95008 Single Family 20361001
16640702 MD 20740 Condominium 20361001
16640707 AZ 85006 Single Family 20361001
16640721 NV 89178 PUD 20361001
16640742 CA 92553 Single Family 20361001
16640810 NJ 8805 Single Family 20361001
16640836 CA 95066 Single Family 20361001
16640839 CA 94585 Single Family 20361001
16640853 XX 00000 Single Family 20361001
16640863 CA 92694 Condominium 20361001
16640867 FL 33785 Condominium 20361001
16640877 CA 92395 Single Family 20361001
16640882 CA 92679 Condominium 20361001
16640899 CA 92084 PUD 20361001
16640911 CA 94591 Single Family 20361001
16640942 XX 00000 Single Family 20361001
16640945 CA 92103 Single Family 20361001
16640954 FL 33765 Single Family 20360901
16640958 AZ 85003 Single Family 20361001
16640979 AZ 85018 Condominium 20361001
16641006 CA 91366 Townhouse 20361001
16641101 MI 48130 Single Family 20361001
16641105 AZ 85335 PUD 20361001
16641144 XX 00000 Single Family 20361001
16641190 NV 89178 PUD 20361001
16641199 CA 90048 Single Family 20361001
16641219 CA 95391 Single Family 20361001
16641237 CA 92503 PUD 20361001
16638573 FL 33415 Condominium 20361001
16641262 CA 93536 Single Family 20361001
16641287 CA 92557 Single Family 20361001
16633083 CA 94547 PUD 20361001
16633153 CA 91206 Condominium 20361001
16633156 CA 93552 Single Family 20361001
16633165 CA 94547 PUD 20361001
16633185 CA 90650 Condominium 20361001
16634211 OR 97523 Single Family 20361001
16634220 XX 00000 2-4 Family 20361001
16634260 AZ 85012 Single Family 20361001
16634274 NV 89179 PUD 20361001
16634284 CA 94619 2-4 Family 20361001
16634285 CA 92105 Single Family 20361001
16633044 CA 95132 Single Family 20361001
16633050 CA 91764 Condominium 20361001
16633061 AZ 85242 PUD 20361001
16633062 CA 92113 Single Family 20361001
16633065 AZ 85207 PUD 20361001
16633066 FL 32738 Single Family 20361001
16634307 CA 93433 Single Family 20361001
16634319 CA 93455 Single Family 20361001
16634330 CA 90620 Single Family 20361001
16634345 CA 92868 Single Family 20361001
16634362 AZ 85222 Single Family 20361001
16634367 CA 95367 Single Family 20361001
16634375 FL 33150 Single Family 20361001
16634385 CA 95648 PUD 20361001
16634424 MI 48197 Condominium 20361001
16634425 NJ 7047 2-4 Family 20361001
16634432 NV 89121 Single Family 20361001
16634460 CA 92027 Single Family 20361001
16634527 AZ 85364 Single Family 20361001
16634562 CA 93312 Single Family 20361001
16634578 VA 20120 Condominium 20361001
16634603 CA 94565 Single Family 20361001
16634612 CA 93905 Single Family 20361001
16634624 CA 95348 Single Family 20361001
16634661 CA 92019 Single Family 20361001
16634695 CA 94577 PUD 20361001
16634728 MD 20602 Single Family 20361001
16634744 CA 90262 Condominium 20361001
16634783 CA 90650 Condominium 20361001
16634833 CA 95301 PUD 20361001
16638171 CA 90746 Single Family 20361001
16638190 CA 91786 Single Family 20361001
16638211 CO 80222 Single Family 20361001
16638340 CA 95624 Single Family 20361001
16638342 CA 95037 Single Family 20361001
16638373 CA 94954 Single Family 20361001
16638375 CA 94541 Single Family 20361001
16638381 CA 95492 Single Family 20361001
16638382 CA 94533 Single Family 20361001
16638390 CA 95023 Single Family 20361001
16638400 NV 89178 PUD 20361001
16638403 VA 22191 Townhouse 20361001
16638420 FL 34203 PUD 20361001
16638428 NJ 7504 2-4 Family 20361001
16638435 MD 21842 Single Family 20361001
16638445 WA 98607 PUD 20361001
16638476 CA 94132 Single Family 20361001
16638486 CA 94565 PUD 20361001
16638487 CA 91748 Single Family 20361001
16638501 CA 90638 Single Family 20361001
16632999 CA 91304 Single Family 20361001
16633004 SC 29414 PUD 20361001
16632857 CA 93446 PUD 20361001
16632984 VA 22015 PUD 20361001
16632985 FL 33946 Single Family 20361001
16628769 CA 91331 Condominium 20361001
16628783 CA 95823 Single Family 20361001
16628789 CA 90044 Single Family 20361001
16628794 FL 33065 Condominium 20361001
16628795 CA 91767 Single Family 20361001
16628812 CA 92571 Single Family 20361001
16628821 CA 92626 Single Family 20361001
16628828 CA 95215 Single Family 20360901
16628843 CA 90008 Single Family 20361001
16628858 CA 91381 PUD 20361001
16628907 CA 93433 Single Family 20361001
16628946 NV 89156 PUD 20361001
16628690 CA 92115 Condominium 20361001
16628963 PA 17404 PUD 20361001
16628999 MD 20866 PUD 20361001
16629005 AZ 85748 PUD 20361001
16629009 CA 94901 2-4 Family 20361001
16629019 CA 91915 Single Family 20361001
16629026 CA 92154 PUD 20361001
16629028 CA 92173 Single Family 20361001
16629031 FL 34711 PUD 20361001
16629056 CA 93536 Single Family 20361001
16629066 XX 00000 Single Family 20361001
16629068 WA 98056 PUD 20361001
16629113 VA 22204 Single Family 20361001
16629123 VA 20164 Single Family 20361001
16629148 CA 94806 Single Family 20361001
16629167 CA 93010 Single Family 20361001
16628745 AZ 85339 PUD 20361001
16629178 CA 92833 Single Family 20361001
16629184 CA 93012 Condominium 20361001
16629200 CA 92545 Single Family 20361001
16629220 WA 98059 PUD 20361001
16629242 OR 97701 Single Family 20361001
16629251 CA 92835 Single Family 20361001
16629258 CA 92509 Single Family 20361001
16629288 CA 94526 Single Family 20361001
16629304 CA 95376 Single Family 20361001
16629331 CA 94603 Single Family 20361001
16632258 AZ 85042 Single Family 20361001
16632283 RI 2865 Condominium 20361001
16632311 XX 00000 Single Family 20361001
16632314 CA 95401 PUD 20361001
16632327 CA 90807 Condominium 20361001
16632338 CA 96002 Single Family 20361001
16632347 CA 94587 Single Family 20361001
16632367 NJ 7506 2-4 Family 20361001
16632371 MD 21702 Townhouse 20361001
16632474 XX 00000 Single Family 20360901
16632571 AZ 85204 Single Family 20361001
16632646 OR 97123 Single Family 20361001
16632647 CA 94564 Single Family 20361001
16632670 CA 94112 Single Family 20361001
16632683 XX 00000 Single Family 20361001
16632748 CA 92069 Single Family 20361001
16632832 CA 93420 Single Family 20361001
16616320 NV 89081 PUD 20361001
16616325 XX 00000 Single Family 20361001
16616471 AZ 85205 PUD 20361001
16616494 MD 20745 Single Family 20361001
16616559 CA 92882 Single Family 20361001
16616413 CA 90810 Condominium 20361001
16616462 NV 89141 PUD 20361001
16616586 CA 94558 Single Family 20361001
16616644 AZ 85296 PUD 20361001
16611647 CA 90037 2-4 Family 20361001
16611652 CA 92592 PUD 20361001
16611758 CA 91401 Single Family 20361001
16611794 CA 92532 Single Family 20361001
16611822 AZ 85338 PUD 20361001
16611831 CA 92154 Single Family 20361001
16611837 CA 94044 Single Family 20360901
16611844 CA 95407 Single Family 20360901
16611879 CA 95123 Single Family 20361001
16611897 CA 94801 Single Family 20360901
16611912 AZ 85040 PUD 20361001
16611914 AZ 85243 PUD 20361001
16611923 AZ 85043 Single Family 20361001
16611938 CA 95111 Single Family 20361001
16611947 CA 92057 PUD 20361001
16612696 CA 90241 Single Family 20361001
16612740 CA 95035 PUD 20361001
16612752 CA 91710 Single Family 20361001
16612767 FL 33065 Condominium 20361001
16612775 FL 33325 Townhouse 20361001
16612777 FL 33417 PUD 20361001
16612804 CA 91913 PUD 20360901
16612811 CA 93455 Condominium 20361001
16612826 XX 00000 Single Family 20360901
16612829 NY 11570 2-4 Family 20361001
16612842 CA 91911 Single Family 20361001
16612846 CA 91945 Single Family 20361001
16612874 MD 20695 Single Family 20361001
16612923 CA 92675 Single Family 20361001
16612949 CA 92610 Condominium 20361001
16612972 FL 32832 PUD 20361001
16612993 CA 91605 Single Family 20361001
16613002 CA 94538 Condominium 20361001
16613092 CA 92308 Single Family 20361001
16613107 MI 48076 Single Family 20361001
16613108 FL 33133 2-4 Family 20361001
16613118 XX 00000 Single Family 20361001
16613188 CA 90640 Single Family 20361001
16613199 AZ 85383 Single Family 20361001
16613202 CA 90024 Condominium 20361001
16613217 CA 92883 Single Family 20361001
16613231 CA 95123 Single Family 20361001
16613259 CA 93905 PUD 20361001
16613281 NV 89120 PUD 20361001
16613289 AZ 85085 PUD 20361001
16613293 CO 80206 Single Family 20361001
16613295 CA 92833 Single Family 20361001
16613303 AZ 85243 PUD 20361001
16616016 XX 0000 Single Family 20361001
16616017 CA 90272 Single Family 20361001
16616019 NJ 7424 Single Family 20361001
16616081 CA 92882 PUD 20361001
16616089 CA 94521 Single Family 20361001
16616136 CA 91711 Single Family 20361001
16616155 PA 17408 Townhouse 20361001
16616168 FL 33065 Single Family 20361001
16616199 CA 92308 Single Family 20361001
16616218 CA 95076 2-4 Family 20361001
16616261 CA 92308 Single Family 20361001
16616270 CA 91405 Single Family 20361001
16616282 RI 2917 Single Family 20361001
16616284 AZ 85041 PUD 20361001
16546182 CA 92630 Condominium 20361001
16546322 SC 29745 PUD 20360901
16544375 CA 90002 Single Family 20361001
16545158 CA 92113 2-4 Family 20361001
16468666 CA 92651 Single Family 20360901
16468073 CA 91913 PUD 20361001
16468277 CA 92505 Single Family 20361001
16420112 FL 33009 Condominium 20361001
16568772 NV 89084 PUD 20361001
16565075 AZ 85236 Condominium 20361001
16567579 PA 16801 Single Family 20361001
16567581 CA 94112 Single Family 20360901
16567635 AZ 85306 Single Family 20361001
16567651 AZ 85213 Single Family 20361001
16563279 FL 33157 Single Family 20360901
16563286 CA 91342 Single Family 20361001
16564441 CA 93703 Single Family 20361001
16564456 CO 80922 PUD 20361001
16564519 FL 33990 Single Family 20361001
16563266 CA 92010 PUD 20361001
16688262 CA 94928 Condominium 20361001
16688090 CA 95835 PUD 20361001
16688091 CA 94015 Condominium 20361001
16688093 CA 95688 Single Family 20361001
16688323 CA 90605 Single Family 20361001
16688132 CA 91766 Single Family 20361001
16688134 OR 97006 Single Family 20361001
16688142 CA 94534 Single Family 20361001
16688175 CA 94510 Single Family 20361001
16688180 CA 94558 Single Family 20361001
16404249 NY 10507 Single Family 20361001
16403929 CA 90650 Single Family 20361001
16393936 UT 84542 Single Family 20361001
16390321 GA 30040 PUD 20360901
LOAN_SEQ ORIGINAL_BALANCE FIRST_PAY_DATE LOAN_TO_VALUE MI
___________________________________________________________________________________________________________
16611603 399200 20061101 80 No MI
16359531 384845 20061001 80 No MI
16419779 400000 20061201 80 No MI
16419798 348000 20061101 80 No MI
16419821 251000 20061101 79.98999786 No MI
16419838 288000 20061101 80 No MI
16419866 285000 20061101 74.22000122 No MI
16419879 187600 20061201 80 No MI
16400134 295000 20061001 58.41999817 No MI
16540023 339120 20061201 80 No MI
16394551 404000 20060901 80 No MI
16543509 296000 20061101 80 No MI
16545858 580000 20061101 80 No MI
16548392 496000 20061101 80 No MI
16548421 291100 20061101 46.95000076 No MI
16567196 224000 20061101 80 No MI
16567279 620000 20061101 80 No MI
16568545 420000 20061101 80 No MI
16568548 255440 20061201 80 No MI
16568470 507200 20061101 80 No MI
16568613 284000 20061101 80 No MI
16568683 367200 20061101 80 No MI
16569740 332000 20061101 80 No MI
16569767 703934 20061001 80 No MI
16571443 388000 20061201 80 No MI
16574612 185600 20061201 80 No MI
16590792 189600 20061101 80 No MI
16590800 557600 20061101 80 No MI
16574720 455920 20061201 80 No MI
16585329 168000 20061101 80 No MI
16585346 604000 20061101 80 No MI
16585353 455999 20061101 80 No MI
16594390 384000 20061201 80 No MI
16594423 184000 20061201 77.30999756 No MI
16594440 148800 20061201 80 No MI
16595890 676800 20061101 80 No MI
16596005 584000 20061101 80 No MI
16595916 308000 20061101 80 No MI
16596083 213500 20061101 71.16999817 No MI
16595904 208000 20061101 80 No MI
16597006 363600 20061201 80 No MI
16597070 260000 20061201 80 No MI
16596928 199000 20061101 79.59999847 No MI
16597105 282400 20061101 80 No MI
16599198 2000000 20061101 64.51999664 No MI
16599131 439200 20061201 80 No MI
16599286 204000 20061201 80 No MI
16599292 453600 20061101 80 No MI
16599145 544000 20061101 80 No MI
16600671 228000 20061201 78.62000275 No MI
16600700 340150 20061101 79.98999786 No MI
16600595 360000 20061101 80 No MI
16601721 292000 20061201 80 No MI
16601668 228000 20061101 80 No MI
16601733 234400 20061101 80 No MI
16601768 500000 20061101 77.51999664 No MI
16601795 464200 20061101 79.34999847 No MI
16603629 315000 20061101 60.11000061 No MI
16603632 421200 20061201 80 No MI
16603634 183200 20061101 80 No MI
16603643 500000 20061101 80 No MI
16603582 351600 20061101 80 No MI
16603756 488000 20061101 80 No MI
16603767 559200 20061101 80 No MI
16603604 401096 20061101 80 No MI
16605485 500000 20061101 80 No MI
16605499 617300 20061101 78.33999634 No MI
16605516 317250 20061101 75 No MI
16605407 397208 20061101 80 No MI
16605416 916000 20061101 80 No MI
16605418 624000 20061101 80 No MI
16605430 475800 20061101 80 No MI
16605431 327950 20061201 79.98999786 No MI
16605450 258000 20061101 78.18000031 No MI
16605581 168800 20061101 80 No MI
16609360 413600 20061101 80 No MI
16609368 228000 20061201 80 No MI
16609378 310000 20061101 80 No MI
16609416 164000 20061101 80 No MI
16609288 639200 20061101 80 No MI
16609293 368000 20061101 80 No MI
16609428 455200 20061101 80 No MI
16609456 203350 20061101 51.88000107 No MI
16609460 488000 20061101 80 No MI
16609325 368000 20061101 80 No MI
16610929 396120 20061101 80 No MI
16611021 328000 20061201 80 No MI
16611038 104000 20061201 80 No MI
16611076 720000 20061101 80 No MI
16610955 352000 20061101 80 No MI
16611078 335000 20061101 65.18000031 No MI
16610958 460000 20061101 80 No MI
16610962 477600 20061101 80 No MI
16611097 170800 20061201 80 No MI
16611101 391404 20061201 80 No MI
16611115 275000 20061201 55.56000137 No MI
16611175 275920 20061101 80 No MI
16612449 531600 20061101 80 No MI
16612452 568000 20061201 80 No MI
16612397 220000 20061101 80 No MI
16612496 385776 20061201 80 No MI
16612512 180800 20061201 78.94999695 No MI
16612516 206000 20061201 76.58000183 No MI
16612517 561600 20061101 80 No MI
16612591 796000 20061201 80 No MI
16612605 424000 20061201 80 No MI
16615778 452000 20061101 80 No MI
16615849 452000 20061201 80 No MI
16615851 400000 20061201 80 No MI
16615718 320600 20061101 79.98999786 No MI
16615870 197600 20061201 80 No MI
16615877 225000 20061201 60.81000137 No MI
16615918 255200 20061101 80 No MI
16615739 319200 20061201 80 No MI
16628499 377120 20061201 80 No MI
16628501 146000 20061201 80 No MI
16628512 372000 20061101 80 No MI
16628418 612000 20061101 80 No MI
16628533 133000 20061101 78.23999786 No MI
16628545 325500 20061201 32.54999924 No MI
16628552 284000 20061101 61.08000183 No MI
16628553 291950 20061101 80 No MI
16628555 236000 20061201 80 No MI
16628451 552000 20061101 80 No MI
16628587 197760 20061201 80 No MI
16628596 192800 20061201 80 No MI
16628626 768000 20061101 78.37000275 No MI
16628631 613381 20061201 80 No MI
16628467 881440 20061101 80 No MI
16628637 411150 20061101 79.98999786 No MI
16628646 364000 20061201 80 No MI
16628648 532000 20061101 80 No MI
16631156 650000 20061201 63.65999985 No MI
16631189 312000 20061201 80 No MI
16631222 372000 20061201 80 No MI
16631245 140640 20061201 80 No MI
16631250 197600 20061101 80 No MI
16631256 320000 20061101 80 No MI
16631258 214800 20061101 80 No MI
16631267 234000 20061101 80 No MI
16630968 376000 20061101 80 No MI
16631285 408000 20061101 80 No MI
16633978 275150 20061101 79.98999786 No MI
16633987 271600 20061101 72.43000031 No MI
16633993 250000 20061201 71.83999634 No MI
16633997 1000000 20061101 75.47000122 No MI
16634000 240000 20061201 77.41999817 No MI
16634003 400000 20061101 80 No MI
16634005 1785000 20061101 70 No MI
16634011 549600 20061101 80 No MI
16634013 420000 20061101 80 No MI
16634018 664000 20061201 79.05000305 No MI
16634025 244000 20061201 80 No MI
16634047 316000 20061101 80 No MI
16634052 444000 20061101 80 No MI
16634065 457600 20061201 80 No MI
16633678 357500 20061201 79.44000244 No MI
16634075 218320 20061101 80 No MI
16634083 189600 20061101 79.98000336 No MI
16634085 376000 20061101 80 No MI
16633683 636000 20061101 80 No MI
16634104 320000 20061101 80 No MI
16633692 408000 20061101 80 No MI
16634126 320000 20061201 80 No MI
16634143 448089 20061101 80 No MI
16638025 288000 20061201 80 No MI
16638038 404000 20061201 80 No MI
16637957 612000 20061101 80 No MI
16638090 584000 20061201 69.94000244 No MI
16640557 232000 20061201 80 No MI
16640563 250000 20061201 64.09999847 No MI
16640428 468000 20061101 80 No MI
16640597 493864 20061101 80 No MI
16640601 152000 20061201 80 No MI
16640444 600000 20061101 80 No MI
16638114 300000 20061201 80 No MI
16638118 413000 20061201 70 No MI
16638130 166000 20061101 78.66999817 No MI
16637991 350000 20061101 76.08999634 No MI
16638002 137600 20061101 80 No MI
16638166 448800 20061201 80 No MI
16640486 251500 20061101 79.98000336 No MI
16640499 1000000 20061201 64.51999664 No MI
16640500 352000 20061201 80 No MI
16640506 192000 20061201 80 No MI
16640510 332000 20061101 80 No MI
16640523 149600 20061201 80 No MI
16640547 328000 20061201 80 No MI
16640405 292000 20061101 80 No MI
16640406 355200 20061101 80 No MI
16643355 408000 20061201 80 No MI
16643357 476000 20061101 80 No MI
16643411 308000 20061201 80 No MI
16643420 568000 20061201 80 No MI
16643422 356000 20061201 80 No MI
16643424 116792 20061201 80 No MI
16643429 495920 20061101 80 No MI
16643434 232000 20061201 80 No MI
16643294 156477 20061101 80 No MI
16643397 357000 20061201 78.45999908 No MI
16643437 417000 20061101 71.90000153 No MI
16643448 262400 20061201 80 No MI
16643456 320000 20061201 80 No MI
16643459 159920 20061201 80 No MI
16643462 632000 20061201 80 No MI
16643318 189920 20061101 80 No MI
16643467 468800 20061201 80 No MI
16643488 348000 20061201 80 No MI
16643496 212000 20061201 80 No MI
16643507 340000 20061201 80 No MI
16643511 248000 20061201 80 No MI
16645772 300000 20061201 80 No MI
16645777 292000 20061101 80 No MI
16645779 172000 20061101 80 No MI
16645792 396000 20061101 76.73999786 No MI
16645710 520000 20061101 80 No MI
16645810 205960 20061201 80 No MI
16645832 313600 20061101 80 No MI
16648186 412000 20061101 80 No MI
16648075 550400 20061201 80 No MI
16648191 463920 20061201 80 No MI
16648224 376000 20061201 80 No MI
16648082 592000 20061201 80 No MI
16648249 162061.6 20061201 80 No MI
16648250 282969 20061101 80 No MI
16648092 91039 20061101 78.44999695 No MI
16648274 426400 20061201 80 No MI
16648300 212720 20061101 80 No MI
16648305 372000 20061101 80 No MI
16648120 428000 20061101 80 No MI
16648310 368000 20061201 80 No MI
16645856 236000 20061201 80 No MI
16645863 373600 20061201 80 No MI
16645865 440000 20061201 80 No MI
16645869 186320 20061201 80 No MI
16645893 300000 20061101 54.54999924 No MI
16649577 317500 20061201 50 No MI
16649592 332000 20061101 80 No MI
16649596 620000 20061101 80 No MI
16649597 495920 20061201 80 No MI
16649600 170000 20061101 69.38999939 No MI
16649614 618350 20061101 80 No MI
16649651 360000 20061201 80 No MI
16649657 132800 20061101 80 No MI
16649662 348000 20061201 77.33000183 No MI
16649672 420000 20061101 80 No MI
16649679 280000 20061101 80 No MI
16649681 454720 20061201 80 No MI
16649685 417000 20061201 69.84999847 No MI
16649710 225000 20061201 59.20999908 No MI
16649722 195708 20061201 80 No MI
16645920 214125 20061201 80 No MI
16645925 398400 20061201 80 No MI
16645928 880000 20061201 80 No MI
16649734 620000 20061101 80 No MI
16650933 245600 20061201 80 No MI
16650943 380000 20061201 80 No MI
16650945 170400 20061201 80 No MI
16650844 392000 20061101 80 No MI
16650946 96000 20061201 80 No MI
16650966 146000 20061201 80 No MI
16650969 305600 20061201 80 No MI
16650976 170400 20061201 80 No MI
16650866 512000 20061201 80 No MI
16650986 435000 20061201 72.13999939 No MI
16651014 396800 20061201 80 No MI
16651023 241600 20061201 80 No MI
16651036 296000 20061201 80 No MI
16651041 576000 20061201 80 No MI
16651051 467200 20061201 80 No MI
16650897 401600 20061201 80 No MI
16653436 440000 20061201 80 No MI
16653550 145018 20061201 80 No MI
16653563 556000 20061201 80 No MI
16653566 228000 20061201 80 No MI
16653589 224000 20061201 80 No MI
16653601 164000 20061201 80 No MI
16653605 256000 20061201 80 No MI
16648143 332000 20061101 80 No MI
16648068 171000 20061101 32.88000107 No MI
16648158 446000 20061201 59.63000107 No MI
16648174 408000 20061201 80 No MI
16653450 433600 20061101 80 No MI
16653634 256000 20061201 80 No MI
16653647 300000 20061201 80 No MI
16653650 313600 20061201 80 No MI
16653660 502000 20061101 74.37000275 No MI
16653666 202000 20061201 74.26000214 No MI
16653482 500000 20061101 80 No MI
16653677 233600 20061201 80 No MI
16653679 344000 20061201 80 No MI
16653689 720000 20061201 80 No MI
16653694 600000 20061201 80 No MI
16653699 189600 20061201 80 No MI
16655770 385600 20061201 80 No MI
16655774 142400 20061201 80 No MI
16655783 502400 20061101 80 No MI
16655793 517600 20061201 80 No MI
16655802 353448 20061201 80 No MI
16655806 240000 20061201 80 No MI
16655810 253152 20061101 80 No MI
16655814 271920 20061201 80 No MI
16655821 151200 20061201 80 No MI
16655825 244000 20061201 80 No MI
16655842 380000 20061201 80 No MI
16655853 365600 20061101 80 No MI
16655859 289600 20061201 80 No MI
16655868 443200 20061201 80 No MI
16655871 402150 20061101 80 No MI
16655896 264000 20061201 80 No MI
16655904 520000 20061201 80 No MI
16655908 277600 20061201 80 No MI
16655925 488000 20061101 80 No MI
16655940 178000 20061201 80 No MI
16658157 317000 20061201 76.01999664 No MI
16658162 384000 20061201 80 No MI
16658172 464000 20061201 80 No MI
16658174 413600 20061201 80 No MI
16658188 319350 20061201 80 No MI
16658229 374000 20061201 78.73999786 No MI
16658242 192000 20061201 80 No MI
16658128 516000 20061101 80 No MI
16658300 334000 20061201 80 No MI
16658306 199999 20061201 80 No MI
16658131 224000 20061201 80 No MI
16658324 142400 20061201 80 No MI
16658329 308000 20061201 80 No MI
16658336 352000 20061201 80 No MI
16661819 400000 20061101 80 No MI
16661739 195000 20061201 63.31000137 No MI
16661836 380000 20061201 80 No MI
16661879 360000 20061201 80 No MI
16661759 222500 20061201 70.62999725 No MI
16661914 325000 20061201 53.27999878 No MI
16661928 367500 20061201 70 No MI
16661930 388000 20061201 80 No MI
16661940 492000 20061201 80 No MI
16661944 320000 20061201 78.05000305 No MI
16663570 392000 20061201 80 No MI
16663573 168000 20061201 80 No MI
16663591 656000 20061201 80 No MI
16663608 212000 20061201 80 No MI
16663449 600000 20061201 80 No MI
16663476 640000 20061201 80 No MI
16663627 508000 20061201 80 No MI
16663640 320000 20061201 80 No MI
16663643 184400 20061201 80 No MI
16663649 560000 20061201 80 No MI
16663671 800000 20061201 80 No MI
16663686 376000 20061201 80 No MI
16663689 340000 20061201 51.90999985 No MI
16665269 242399 20061201 80 No MI
16665277 293200 20061201 80 No MI
16665285 210678 20061201 80 No MI
16665298 236000 20061201 80 No MI
16665308 317600 20061201 80 No MI
16665320 567200 20061201 80 No MI
16665330 752000 20061201 80 No MI
16665337 650000 20061201 72.22000122 No MI
16665338 312000 20061201 80 No MI
16665341 212000 20061201 80 No MI
16665342 392371 20061201 80 No MI
16665390 178800 20061201 80 No MI
16665408 558400 20061201 80 No MI
16666579 500000 20061201 77.51999664 No MI
16666586 299992 20061201 80 No MI
16666608 1000000 20061201 76.91999817 No MI
16666641 204000 20061201 80 No MI
16666649 172000 20061201 79.95999908 No MI
16666652 292000 20061201 79.55999756 No MI
16666669 368000 20061201 80 No MI
16666515 142240 20061201 79.23999786 No MI
16666689 999000 20061201 76.84999847 No MI
16666710 344000 20061201 80 No MI
16666713 536000 20061201 80 No MI
16666716 502392 20061201 80 No MI
16670010 304000 20061201 80 No MI
16670012 232000 20061201 80 No MI
16670019 568000 20061201 80 No MI
16670051 314000 20061201 79.48999786 No MI
16670058 240000 20061201 80 No MI
16670072 457320 20061201 80 No MI
16670079 420952 20061201 80 No MI
16670087 573000 20061201 75 No MI
16670092 416000 20061201 80 No MI
16670108 556000 20061201 80 No MI
16670112 124000 20061201 80 No MI
16670128 356000 20061201 80 No MI
16670137 189600 20061201 80 No MI
16670140 616000 20061201 53.09999847 No MI
16670152 248000 20061201 80 No MI
16670167 596000 20061201 80 No MI
16670179 380000 20061201 80 No MI
16670191 546400 20061201 80 No MI
16670204 492481 20061201 80 No MI
16670208 176250 20061201 75 No MI
16670235 356000 20061201 80 No MI
16671409 270400 20061201 80 No MI
16671312 324800 20061201 80 No MI
16671434 330168 20061201 80 No MI
16671441 223920 20061201 80 No MI
16671452 539992 20061201 80 No MI
16671454 263920 20061201 80 No MI
16671468 531300 20061201 75 No MI
16671474 296800 20061201 80 No MI
16671476 499900 20061201 79.98000336 No MI
16671489 147120 20061201 80 No MI
16671510 179960 20061201 80 No MI
16671513 474745 20061201 80 No MI
16671517 268000 20061201 80 No MI
16671521 204500 20061201 74.91000366 No MI
16674923 224392 20061201 80 No MI
16674961 252000 20061201 70 No MI
16674967 512000 20061201 80 No MI
16674997 616800 20061201 80 No MI
16675002 312000 20061201 80 No MI
16675020 224000 20061201 80 No MI
16674868 645000 20061201 75 No MI
16675064 276000 20061201 80 No MI
16675072 800000 20061201 80 No MI
16676344 423200 20061201 80 No MI
16676361 767200 20061201 80 No MI
16676369 420800 20061201 80 No MI
16676372 212000 20061201 80 No MI
16676409 273600 20061201 80 No MI
16676415 360000 20061201 80 No MI
16676421 336000 20061201 80 No MI
16676456 472000 20061201 80 No MI
16676462 247200 20061201 80 No MI
16676463 212000 20061201 80 No MI
16676471 261000 20061201 50.68000031 No MI
16679058 352000 20061201 80 No MI
16679064 103200 20061201 80 No MI
16679092 165600 20061201 80 No MI
16679116 115000 20061201 59.90000153 No MI
16679132 77000 20061201 38.5 No MI
16679135 505600 20061201 80 No MI
16679150 1349250 20061201 75 No MI
16680979 150880 20061201 80 No MI
16681004 417000 20061201 78.37999725 No MI
16681021 324000 20061201 80 No MI
16681024 249600 20061201 80 No MI
16681030 247440 20061201 80 No MI
16681037 344000 20061201 80 No MI
16681090 294400 20061201 80 No MI
16681094 544000 20061201 80 No MI
16681150 292800 20061201 80 No MI
16681168 269600 20061201 80 No MI
16683782 409520 20061201 80 No MI
16683783 560000 20061201 80 No MI
16683798 276000 20061201 80 No MI
16683821 330000 20061201 80 No MI
16683857 300000 20061201 54.54999924 No MI
16683868 580000 20061201 80 No MI
16683878 424000 20061201 80 No MI
16683888 367992 20061201 80 No MI
16685507 267920 20061201 80 No MI
16685527 519920 20061201 80 No MI
16685532 320000 20061201 80 No MI
16685547 266400 20061201 80 No MI
16685551 267992 20061201 80 No MI
16685593 222000 20061201 72.79000092 No MI
16685623 492000 20061201 80 No MI
16685652 324000 20061201 80 No MI
16687856 500000 20061201 45.45000076 No MI
16687896 460000 20061201 80 No MI
16687908 422708 20061201 80 No MI
16687911 137600 20061201 83.13999939 Republic MIC
16687915 560000 20061201 80 No MI
16687987 416000 20061201 80 No MI
16691858 774332 20061201 80 No MI
16691890 364000 20061201 80 No MI
16691903 240000 20061201 80 No MI
16691906 212839 20061201 80 No MI
16691944 119600 20061201 80 No MI
16691949 350000 20061201 35.52999878 No MI
16691963 380000 20061201 80 No MI
16691979 191200 20061201 80 No MI
16691817 376000 20061201 80 No MI
16692023 236724 20061201 80 No MI
16693157 254400 20061201 80 No MI
16693194 224000 20061201 80 No MI
16693257 284800 20061201 80 No MI
16693292 480000 20061201 80 No MI
16695783 380000 20061201 80 No MI
16695795 255056.75 20061201 65 No MI
16695890 570000 20061201 69.51000214 No MI
16697247 640000 20061201 80 No MI
16697323 208000 20061201 80 No MI
16700101 339200 20061201 80 No MI
16700136 556000 20061201 80 No MI
16700151 251200 20061201 80 No MI
16700156 332800 20061201 80 No MI
16706248 254400 20061201 80 No MI
16709229 533600 20061201 80 No MI
16709260 164000 20061201 80 No MI
16709324 187200 20061201 80 No MI
16710597 172500 20061201 75 No MI
16710598 171750 20061201 75 No MI
16156005 206400 20060601 80 No MI
16611399 176000 20061101 80 No MI
16611422 218400 20061101 80 No MI
16611475 800000 20061101 80 No MI
16611516 164000 20061101 80 No MI
16611533 555900 20061101 79.98999786 No MI
16611534 798800 20061101 80 No MI
16611568 468000 20061101 80 No MI
16611593 394200 20061101 79.98999786 No MI
16611594 284000 20061101 80 No MI
16611307 617200 20061101 80 No MI
16611356 356000 20061101 80 No MI
16611367 217600 20061101 80 No MI
16610026 412800 20061101 80 No MI
16610041 448000 20061101 80 No MI
16610065 456000 20061101 80 No MI
16610070 147000 20061101 77.37000275 No MI
16610126 525000 20061101 70 No MI
16610128 460000 20061101 80 No MI
16610138 325000 20061101 79.98000336 No MI
16610165 232000 20061101 80 No MI
16610224 855000 20061101 57 No MI
16610248 648200 20061101 70 No MI
16610276 672000 20061101 80 No MI
16610282 528800 20061101 80 No MI
16610286 551161 20061101 75 No MI
16610290 412800 20061101 80 No MI
16611194 220000 20061101 80 No MI
16611195 996000 20061101 80 No MI
16605736 460000 20061101 80 No MI
16605739 503094 20061101 80 No MI
16605746 148100 20061101 40.02999878 No MI
16605763 302400 20061101 80 No MI
16605779 155920 20061101 80 No MI
16605784 127720 20061101 80 No MI
16605793 80287 20061101 75 No MI
16605797 445000 20061101 70.62999725 No MI
16605801 215600 20061101 70 No MI
16605807 177200 20061101 80 No MI
16605828 695920 20061101 80 No MI
16605839 320000 20061101 80 No MI
16605879 244000 20061101 80 No MI
16605882 576000 20061101 80 No MI
16605885 158400 20061101 80 No MI
16605936 920000 20061101 80 No MI
16606018 333650 20061101 80 No MI
16606031 362000 20061101 74.33000183 No MI
16606105 214000 20061101 28.53000069 No MI
16606123 320000 20061101 80 No MI
16606129 376000 20061101 80 No MI
16606143 195000 20061101 66.09999847 No MI
16606180 433600 20061101 80 No MI
16606194 284000 20061101 80 No MI
16606200 200000 20061101 80 No MI
16609606 384000 20061101 80 No MI
16609655 245920 20061101 80 No MI
16609697 424000 20061101 80 No MI
16609724 400000 20061101 80 No MI
16609736 377168 20061101 80 No MI
16609742 346320 20061101 80 No MI
16609758 233600 20061101 80 No MI
16609763 408000 20061101 80 No MI
16609783 336000 20061001 80 No MI
16609785 800000 20061001 80 No MI
16609788 166000 20061101 80 No MI
16609802 238400 20061101 80 No MI
16609853 479200 20061101 80 No MI
16609863 504000 20061101 78.13999939 No MI
16609881 176000 20061101 80 No MI
16609917 351500 20061101 79.88999939 No MI
16609931 448000 20061101 80 No MI
16609944 328000 20061101 80 No MI
16609948 400000 20061101 80 No MI
16609960 820000 20061101 80 No MI
16609980 164000 20061101 80 No MI
16609998 214200 20061101 70 No MI
16610001 366400 20061101 79.86000061 No MI
16610008 471200 20061101 79.98000336 No MI
16610018 229950 20061001 79.98999786 No MI
16610020 180000 20061001 80 No MI
16610023 224000 20061001 80 No MI
16602996 801600 20061101 80 No MI
16602891 650000 20061101 76.47000122 No MI
16602904 188000 20061101 80 No MI
16602917 621400 20061001 79.54000092 No MI
16602924 200000 20061101 57.13999939 No MI
16602925 404000 20061101 80 No MI
16602999 106510 20061101 70 No MI
16603002 372000 20061101 80 No MI
16603021 480000 20061101 80 No MI
16603023 900000 20061101 64.29000092 No MI
16603027 194400 20061101 79.66999817 No MI
16603041 399200 20061101 80 No MI
16603057 225000 20061101 75 No MI
16603094 280000 20061101 80 No MI
16603099 680000 20061101 80 No MI
16603133 259700 20061101 77.29000092 No MI
16603885 287920 20061101 80 No MI
16603900 244000 20061101 80 No MI
16603917 248000 20061101 80 No MI
16604003 360000 20061101 80 No MI
16604035 112000 20061101 80 No MI
16604055 436800 20061101 80 No MI
16604068 365502 20061101 80 No MI
16604079 318750 20061101 74.12999725 No MI
16604107 400800 20061101 80 No MI
16604136 463000 20061101 71.77999878 No MI
16604187 922950 20061101 80 No MI
16604201 308000 20061101 80 No MI
16604204 243375 20061101 75 No MI
16604232 352000 20061101 80 No MI
16604313 364000 20061101 80 No MI
16604316 152500 20061101 79.97000122 No MI
16604320 548000 20061101 80 No MI
16604330 258000 20061101 49.61999893 No MI
16604335 381000 20061101 75 No MI
16604352 320000 20061101 79.40000153 No MI
16604372 150000 20061101 50.84999847 No MI
16604401 308000 20061101 80 No MI
16604429 275073 20061101 80 No MI
16604439 178400 20061001 80 No MI
16604448 252000 20061001 80 No MI
16604475 392000 20061101 80 No MI
16600061 394000 20061101 80 No MI
16600068 574000 20061101 79.72000122 No MI
16600806 416250 20061101 75 No MI
16600819 164000 20061101 80 No MI
16600897 188000 20061101 41.22999954 No MI
16600898 220000 20061101 80 No MI
16600913 266000 20061101 82.51000214 PMI
16600997 369000 20061101 56.77000046 No MI
16601090 316000 20061101 80 No MI
16601110 732640 20061101 80 No MI
16601121 530000 20061101 64.62999725 No MI
16601186 300800 20061101 80 No MI
16601191 418050 20061101 75 No MI
16601192 138750 20061101 75 No MI
16601210 439900 20061001 80 No MI
16601254 316000 20061101 80 No MI
16601268 818000 20061101 64.91999817 No MI
16601271 198400 20061101 80 No MI
16601273 568000 20061101 80 No MI
16601275 283600 20061101 80 No MI
16601281 680000 20061101 80 No MI
16601289 158800 20061101 80 No MI
16601326 256000 20061101 80 No MI
16601331 149000 20061101 78.41999817 No MI
16601336 236000 20061001 80 No MI
16601346 344000 20061101 80 No MI
16601355 348000 20061101 72.5 No MI
16601406 254400 20061101 80 No MI
16601407 340800 20061101 80 No MI
16601411 495600 20061101 80 No MI
16601417 120000 20061101 79.47000122 No MI
16602646 391200 20061101 79.98999786 No MI
16602672 249200 20061101 70 No MI
16602673 280160 20061101 80 No MI
16602681 490000 20061101 80 No MI
16602711 266628 20061101 80 No MI
16602790 196000 20061101 80 No MI
16602804 397600 20061101 80 No MI
16602824 188000 20061101 80 No MI
16602874 284000 20061101 80 No MI
16602878 471200 20061101 80 No MI
16599648 208000 20061101 80 No MI
16599660 248000 20061101 80 No MI
16599661 376000 20061101 80 No MI
16599681 280000 20061101 80 No MI
16599751 330216 20061101 80 No MI
16599837 432000 20061101 80 No MI
16599865 787500 20061101 75 No MI
16599883 232800 20061101 64.66999817 No MI
16599884 428000 20061101 80 No MI
16599892 440000 20061101 80 No MI
16599934 339200 20061101 80 No MI
16600006 261600 20061101 80 No MI
16600012 232000 20061101 80 No MI
16600050 472000 20061101 80 No MI
16600054 344000 20061101 80 No MI
16599526 280000 20061101 80 No MI
16599553 548000 20061101 80 No MI
16599586 154400 20061101 80 No MI
16597187 856000 20061101 80 No MI
16597291 488000 20061101 80 No MI
16597299 735052 20061101 80 No MI
16597335 312800 20061101 80 No MI
16597348 507500 20061101 70 No MI
16597392 500000 20061101 80 No MI
16597437 470850 20061101 73.56999969 No MI
16597444 357500 20061101 80 No MI
16597480 273000 20061101 68.25 No MI
16597498 520000 20061101 80 No MI
16597514 361900 20061101 70 No MI
16597566 824000 20061101 80 No MI
16597614 295600 20061101 79.88999939 No MI
16597668 162800 20061101 37 No MI
16597670 252000 20061101 80 No MI
16597685 350400 20061101 80 No MI
16597721 1137500 20061101 65 No MI
16597722 192000 20061101 80 No MI
16597725 388725 20061101 80 No MI
16597732 209600 20061101 80 No MI
16597734 508000 20061101 80 No MI
16597738 424000 20061101 80 No MI
16597756 215900 20061101 79.98999786 No MI
16597775 440000 20061101 72.12999725 No MI
16597809 328000 20061101 80 No MI
16597812 184000 20061101 75.09999847 No MI
16599341 382400 20061101 80 No MI
16596624 369599 20061101 80 No MI
16596777 487500 20061101 75 No MI
16596781 380000 20061101 80 No MI
16596787 195000 20061101 75 No MI
16596800 476000 20061101 80 No MI
16594913 472000 20061101 80 No MI
16594919 1000000 20061101 76.58999634 No MI
16594925 329160 20061101 80 No MI
16595053 372000 20061101 80 No MI
16595102 277600 20061101 80 No MI
16595117 496000 20061101 80 No MI
16595138 300000 20061001 80 No MI
16595153 460000 20061101 56.79000092 No MI
16595231 179600 20061101 80 No MI
16595330 212000 20061101 80 No MI
16595373 211200 20061101 80 No MI
16595410 600000 20061101 80 No MI
16595416 345600 20061101 80 No MI
16595421 532000 20061101 80 No MI
16595428 432800 20061101 80 No MI
16595431 500000 20061101 48.77999878 No MI
16595441 416000 20061101 80 No MI
16596135 368000 20061101 80 No MI
16596150 316000 20061101 80 No MI
16596151 317600 20061101 80 No MI
16596185 81345 20061101 59.81000137 No MI
16596333 720000 20061001 80 No MI
16591659 420000 20061101 56.75999832 No MI
16591676 308000 20061101 80 No MI
16591686 342400 20061101 80 No MI
16596375 201300 20061101 66 No MI
16596379 220000 20061101 59.45999908 No MI
16596414 734482 20061001 80 No MI
16596441 157600 20061001 80 No MI
16596447 327200 20061101 80 No MI
16596476 344000 20061101 80 No MI
16596512 400000 20061001 80 No MI
16594778 385926 20061101 80 No MI
16594784 396000 20061101 80 No MI
16591280 336000 20061001 80 No MI
16591293 326400 20061101 80 No MI
16591471 479600 20061101 79.98999786 No MI
16591534 204800 20061001 80 No MI
16591607 408000 20061101 80 No MI
16591619 470000 20061101 54.65000153 No MI
16591322 368000 20061101 80 No MI
16585992 160000 20061001 80 No MI
16586059 548000 20061101 80 No MI
16586091 394400 20061101 80 No MI
16586101 352000 20061101 73.63999939 No MI
16591067 148000 20061101 80 No MI
16591068 175000 20061101 72.16000366 No MI
16591069 182000 20061101 49.86000061 No MI
16591106 212000 20061101 80 No MI
16591132 216165 20061101 80 No MI
16591194 327200 20061101 80 No MI
16591198 1000000 20061101 80 No MI
16585804 147650 20061101 74.98999786 No MI
16585807 311200 20061101 80 No MI
16585909 315000 20061101 75 No MI
16585879 386400 20061101 80 No MI
16585603 148500 20061101 90 Radian Guaranty
16585688 227568 20061101 80 No MI
16575253 350400 20061101 80 No MI
16585441 340000 20061101 80 No MI
16575301 559600 20061101 80 No MI
16575370 204000 20061101 80 No MI
16575421 440000 20061101 80 No MI
16575426 316000 20061101 80 No MI
16572052 862800 20061101 62.75 No MI
16572113 417000 20061101 79.43000031 No MI
16572146 1500000 20061101 63.02999878 No MI
16574845 262200 20061101 79.44999695 No MI
16575104 472000 20061101 80 No MI
16574967 718400 20061101 80 No MI
16571870 201600 20061101 80 No MI
16571707 181500 20061101 76.91000366 No MI
16571597 325600 20061101 80 No MI
16570570 403200 20061101 80 No MI
16570816 215000 20061101 46.74000168 No MI
16568960 225000 20061101 44.40999985 No MI
16569071 223920 20061101 80 No MI
16569293 480000 20061001 80 No MI
16569328 488000 20061001 80 No MI
16569385 260000 20061101 80 No MI
16570365 492000 20061101 80 No MI
16549800 125600 20061101 74.31999969 No MI
16549826 344000 20061101 79.08000183 No MI
16693324 323700 20061101 79.98999786 No MI
16693326 360800 20061101 80 No MI
16693327 338400 20061101 79.98999786 No MI
16693353 220450 20061101 79.98999786 No MI
16549418 154400 20061101 80 No MI
16551706 467200 20061101 80 No MI
16552176 400000 20061101 80 No MI
16656545 427000 20061101 61 No MI
16656666 272250 20061101 75 No MI
16656255 382300 20061101 79.98999786 No MI
16656732 248000 20061101 80 No MI
16656274 423000 20061101 79.06999969 No MI
16656755 264800 20061101 80 No MI
16656786 760000 20061101 80 No MI
16656305 196000 20061101 80 No MI
16656316 408000 20061101 80 No MI
16656425 325000 20061101 48.50999832 No MI
16654510 100800 20061101 80 No MI
16654406 576000 20061101 80 No MI
16655963 268000 20061101 80 No MI
16655995 402850 20061101 80 No MI
16656072 234000 20061101 80 No MI
16656172 708000 20061101 80 No MI
16656852 380000 20061101 80 No MI
16656853 252000 20061101 80 No MI
16653956 479200 20061101 80 No MI
16653994 239592 20061101 80 No MI
16653779 408000 20061101 80 No MI
16653826 336000 20061101 80 No MI
16653834 212000 20061101 80 No MI
16653852 600000 20061101 80 No MI
16653853 417000 20061101 79.27999878 No MI
16654112 428000 20061101 80 No MI
16654116 260000 20061101 64.19999695 No MI
16654122 257600 20061101 80 No MI
16653861 352000 20061101 80 No MI
16653863 456000 20061101 80 No MI
16653872 240000 20061001 80 No MI
16653881 360000 20061101 80 No MI
16653883 592000 20061101 80 No MI
16653889 213600 20061101 80 No MI
16653894 632000 20061101 80 No MI
16654164 226600 20061101 80 No MI
16654175 291200 20061101 70 No MI
16654176 454000 20061101 80 No MI
16654206 527900 20061101 80 No MI
16654221 207200 20061101 80 No MI
16653927 392000 20061101 80 No MI
16653928 163120 20061101 80 No MI
16653954 367700 20061101 80 No MI
16654352 648000 20061101 80 No MI
16651793 250000 20061101 54.95000076 No MI
16651796 494400 20061101 80 No MI
16651801 628000 20061101 80 No MI
16651813 303200 20061101 80 No MI
16651845 315102 20061101 80 No MI
16651857 172000 20061101 80 No MI
16651860 360000 20061101 80 No MI
16651755 440000 20061101 80 No MI
16653737 496000 20061101 80 No MI
16653739 248000 20061101 80 No MI
16653760 392000 20061101 80 No MI
16653766 192400 20061101 79.98999786 No MI
16653770 352000 20061101 80 No MI
16651572 186300 20061101 79.95999908 No MI
16651684 364000 20061001 80 No MI
16651691 444000 20061101 80 No MI
16651711 564000 20061101 80 No MI
16651714 372000 20061101 80 No MI
16651325 360000 20061101 80 No MI
16651328 157600 20061101 80 No MI
16651356 548000 20061101 80 No MI
16651387 608750 20061101 80 No MI
16651402 472000 20061001 80 No MI
16651406 452000 20061101 80 No MI
16651429 408000 20061101 80 No MI
16651205 355000 20061101 73.95999908 No MI
16651206 200000 20061101 80 No MI
16651210 244000 20061101 56.68000031 No MI
16651211 408000 20061101 80 No MI
16651223 516000 20061101 80 No MI
16651226 169600 20061101 80 No MI
16651493 392000 20061101 80 No MI
16696375 388000 20061101 80 No MI
16656970 245000 20061101 70 No MI
16658540 360000 20061101 80 No MI
16658595 324000 20061101 80 No MI
16658615 204000 20061101 80 No MI
16658671 364000 20061101 80 No MI
16658857 568000 20061101 80 No MI
16658918 583125 20061101 75 No MI
16658935 368000 20061101 80 No MI
16658978 350000 20061101 69.30999756 No MI
16659008 106186 20061101 70 No MI
16659138 280350 20061101 80 No MI
16659270 328000 20061101 80 No MI
16659276 408000 20061101 80 No MI
16659351 548000 20061101 80 No MI
16659359 110960 20061101 80 No MI
16662063 364000 20061101 80 No MI
16662075 260000 20061101 80 No MI
16662131 400000 20061101 80 No MI
16662155 246400 20061101 80 No MI
16662270 300000 20061101 80 No MI
16662335 146000 20061101 80 No MI
16662345 168000 20061101 80 No MI
16662416 228000 20061101 80 No MI
16662477 180800 20061101 80 No MI
16662544 208950 20061001 66.33000183 No MI
16662697 410000 20061101 69.48999786 No MI
16662744 380000 20061101 80 No MI
16662839 248000 20061101 80 No MI
16663831 229750 20061101 80 No MI
16663907 564000 20061101 80 No MI
16663963 307200 20061101 80 No MI
16664005 360000 20061101 80 No MI
16664103 281700 20061101 79.84999847 No MI
16664108 428400 20061101 80 No MI
16664159 353600 20061101 80 No MI
16664306 384000 20061101 80 No MI
16666007 417000 20061101 76.51000214 No MI
16670284 380000 20061101 80 No MI
16670329 335200 20061101 80 No MI
16670342 316000 20061101 80 No MI
16670440 335200 20061101 80 No MI
16670475 774400 20061101 80 No MI
16670542 345750 20061101 80 No MI
16670552 256800 20061101 80 No MI
16672572 384000 20061101 62.84999847 No MI
16673983 410000 20061101 51.95999908 No MI
16673987 384000 20061101 80 No MI
16673992 185600 20061101 80 No MI
16673993 348400 20061101 51.38999939 No MI
16673998 1000000 20061101 71.43000031 No MI
16674001 431100 20061101 80 No MI
16674003 368000 20061101 80 No MI
16674010 607200 20061101 80 No MI
16674382 471736 20061101 80 No MI
16676603 260000 20061101 80 No MI
16676764 399200 20061101 80 No MI
16681646 473600 20061101 80 No MI
16681659 400000 20061101 80 No MI
16681685 320000 20061101 80 No MI
16651109 540000 20061101 80 No MI
16651113 515200 20061101 78.66000366 No MI
16651114 464000 20061101 80 No MI
16651116 679200 20061101 80 No MI
16651124 648000 20061101 80 No MI
16651129 585000 20061101 65 No MI
16651145 248000 20061101 80 No MI
16651187 476000 20061101 80 No MI
16651195 324000 20061101 80 No MI
16651077 274000 20061101 48.93000031 No MI
16651079 364000 20061101 80 No MI
16651083 448000 20061101 80 No MI
16651087 448000 20061101 80 No MI
16651092 597200 20061101 80 No MI
16650148 381500 20061101 80 No MI
16650299 236000 20061101 80 No MI
16650306 143350 20061101 79.98999786 No MI
16650311 544000 20061101 80 No MI
16650318 350000 20061101 70 No MI
16650325 144900 20061101 79.88999939 No MI
16650329 352000 20061101 80 No MI
16650344 421800 20061101 80 No MI
16650406 341950 20061101 79.51999664 No MI
16650409 200000 20061101 80 No MI
16650437 460000 20061101 80 No MI
16650449 408000 20061101 80 No MI
16650197 430400 20061101 80 No MI
16650210 523000 20061101 79.23999786 No MI
16650221 304000 20061101 80 No MI
16650637 392000 20061101 79.66999817 No MI
16650294 188000 20061101 80 No MI
16648493 203920 20061101 80 No MI
16648501 360000 20061101 60.81000137 No MI
16648507 388000 20061101 80 No MI
16648511 380000 20061101 80 No MI
16648601 336000 20061101 79.05999756 No MI
16648610 568000 20061101 80 No MI
16648614 543200 20061101 80 No MI
16648517 152792 20061101 80 No MI
16648531 289850 20061101 79.98999786 No MI
16648642 268000 20061101 80 No MI
16648658 372000 20061101 80 No MI
16648678 616000 20061101 80 No MI
16648687 735000 20061101 53.06999969 No MI
16648696 410000 20061101 70.69000244 No MI
16648697 213600 20061101 80 No MI
16648710 460000 20061101 80 No MI
16648795 184000 20061101 80 No MI
16648859 576000 20061101 80 No MI
16648979 712000 20061101 80 No MI
16649007 197800 20061101 57.33000183 No MI
16649013 251000 20061101 61.97999954 No MI
16649018 232500 20061101 75 No MI
16649235 319900 20061101 70 No MI
16649236 248000 20061101 80 No MI
16649901 200000 20061101 80 No MI
16649990 324000 20061101 80 No MI
16649992 120800 20061101 74.54000092 No MI
16650041 912000 20061101 80 No MI
16650085 450000 20061101 65.69000244 No MI
16650093 584000 20061101 80 No MI
16650127 392800 20061101 79.34999847 No MI
16644187 143100 20061101 79.98999786 No MI
16644241 193600 20061101 80 No MI
16645952 480000 20061101 68.56999969 No MI
16645960 320000 20061101 80 No MI
16645976 558200 20061101 79.98999786 No MI
16646025 288000 20061101 80 No MI
16643907 316000 20061101 80 No MI
16643933 374250 20061101 75 No MI
16643943 269550 20061101 79.98999786 No MI
16643951 520000 20061101 80 No MI
16643961 329000 20061101 70 No MI
16644016 592000 20061101 80 No MI
16646098 444800 20061101 80 No MI
16646117 350000 20061101 55.56000137 No MI
16646148 145766 20061101 80 No MI
16646150 516000 20061101 80 No MI
16646153 650000 20061101 73.86000061 No MI
16646154 351000 20061101 77.83000183 No MI
16646172 424000 20061101 80 No MI
16646216 460000 20061101 80 No MI
16646222 428000 20061101 80 No MI
16646248 411200 20061101 80 No MI
16646273 320000 20061101 80 No MI
16644036 552000 20061101 80 No MI
16644044 188000 20061101 80 No MI
16644059 480000 20061101 80 No MI
16646322 515000 20061101 80 No MI
16646325 210000 20061101 75 No MI
16646331 417000 20061101 68.93000031 No MI
16646333 484000 20061101 80 No MI
16644078 240000 20061101 80 No MI
16644080 516000 20061101 80 No MI
16644107 520000 20061101 80 No MI
16646444 288792 20061101 80 No MI
16644158 400000 20061101 80 No MI
16644162 521600 20061101 80 No MI
16646453 280000 20061101 80 No MI
16646469 260000 20061101 80 No MI
16646473 194300 20061101 79.98999786 No MI
16646492 609700 20061101 79.98999786 No MI
16646507 512000 20061101 80 No MI
16646520 518400 20061101 80 No MI
16646567 912000 20061101 80 No MI
16648429 107520 20061101 80 No MI
16648450 103600 20061101 80 No MI
16648473 676000 20061101 80 No MI
16643691 320000 20061101 80 No MI
16643747 340000 20061101 68 No MI
16643771 495200 20061101 80 No MI
16643775 612900 20061101 80 No MI
16643805 504000 20061101 77.54000092 No MI
16643809 650000 20061101 79.26999664 No MI
16643819 417000 20061101 42.99000168 No MI
16643821 270000 20061101 67.5 No MI
16643827 624000 20061101 80 No MI
16643835 204000 20061101 80 No MI
16643838 344000 20061101 80 No MI
16643841 288000 20061101 80 No MI
16643845 415550 20061101 75 No MI
16641391 577900 20061101 80 No MI
16641410 420000 20061101 80 No MI
16643558 226000 20061001 45.38000107 No MI
16643622 300000 20061101 80 No MI
16643672 464000 20061101 80 No MI
16643681 236800 20061101 80 No MI
16643685 340000 20061101 75.55999756 No MI
16641304 236000 20061101 78.66999817 No MI
16641307 202800 20061101 80 No MI
16641311 467200 20061101 80 No MI
16641321 223200 20061101 80 No MI
16641325 631200 20061101 80 No MI
16641330 216000 20061101 80 No MI
16638609 153750 20061101 75 No MI
16638695 228800 20061101 78.90000153 No MI
16638726 459900 20061101 80 No MI
16638728 332000 20061101 80 No MI
16638780 232000 20061101 80 No MI
16638789 158625 20061101 75 No MI
16638800 284000 20061101 80 No MI
16638804 239300 20061101 79.98999786 No MI
16638836 320000 20061101 80 No MI
16638873 399700 20061101 74.98999786 No MI
16638882 310400 20061101 80 No MI
16638931 257600 20061101 80 No MI
16638934 137000 20061101 72.11000061 No MI
16638939 463500 20061101 79.98999786 No MI
16638505 572000 20061101 80 No MI
16638949 460000 20061101 80 No MI
16638954 184800 20061101 70 No MI
16638984 182400 20061001 80 No MI
16640652 520000 20061101 80 No MI
16640678 930000 20061101 75 No MI
16640682 840000 20061101 70 No MI
16640702 318308 20061101 80 No MI
16640707 110750 20061101 69.22000122 No MI
16640721 379660 20061101 80 No MI
16640742 312000 20061101 80 No MI
16640810 230112 20061101 80 No MI
16640836 650000 20061101 78.30999756 No MI
16640839 324800 20061101 80 No MI
16640853 344000 20061101 80 No MI
16640863 338000 20061101 63.77000046 No MI
16640867 625600 20061101 80 No MI
16640877 236800 20061101 80 No MI
16640882 290000 20061101 41.72999954 No MI
16640899 460000 20061101 80 No MI
16640911 454300 20061101 72.69000244 No MI
16640942 293000 20061101 69.76000214 No MI
16640945 568000 20061101 80 No MI
16640954 244000 20061001 80 No MI
16640958 86150 20061101 53.18000031 No MI
16640979 236000 20061101 80 No MI
16641006 412000 20061101 80 No MI
16641101 223200 20061101 80 No MI
16641105 196000 20061101 78.40000153 No MI
16641144 512000 20061101 80 No MI
16641190 347050 20061101 80 No MI
16641199 575000 20061101 52.27000046 No MI
16641219 418360 20061101 80 No MI
16641237 431200 20061101 80 No MI
16638573 143120 20061101 80 No MI
16641262 267200 20061101 80 No MI
16641287 245200 20061101 80 No MI
16633083 528221 20061101 80 No MI
16633153 310400 20061101 80 No MI
16633156 319200 20061101 80 No MI
16633165 530968 20061101 80 No MI
16633185 380000 20061101 80 No MI
16634211 327200 20061101 80 No MI
16634220 162375 20061101 75 No MI
16634260 130000 20061101 72.22000122 No MI
16634274 398000 20061101 79.98999786 No MI
16634284 354300 20061101 80 No MI
16634285 332000 20061101 80 No MI
16633044 664000 20061101 80 No MI
16633050 296000 20061101 80 No MI
16633061 216000 20061101 80 No MI
16633062 372000 20061101 80 No MI
16633065 200800 20061101 80 No MI
16633066 168000 20061101 80 No MI
16634307 427000 20061101 79.95999908 No MI
16634319 400000 20061101 80 No MI
16634330 432000 20061101 80 No MI
16634345 405000 20061101 63.77999878 No MI
16634362 366000 20061101 72.33000183 No MI
16634367 248000 20061101 80 No MI
16634375 360000 20061101 80 No MI
16634385 374200 20061101 80 No MI
16634424 129600 20061101 80 No MI
16634425 372000 20061101 80 No MI
16634432 228000 20061101 80 No MI
16634460 540000 20061101 80 No MI
16634527 158800 20061101 80 No MI
16634562 318320 20061101 80 No MI
16634578 228000 20061101 80 No MI
16634603 315000 20061101 73.26000214 No MI
16634612 456000 20061101 80 No MI
16634624 330400 20061101 80 No MI
16634661 634600 20061101 66.09999847 No MI
16634695 512900 20061101 79.98999786 No MI
16634728 272000 20061101 80 No MI
16634744 326000 20061101 80 No MI
16634783 324000 20061101 80 No MI
16634833 204000 20061101 80 No MI
16638171 200000 20061101 35.70999908 No MI
16638190 384000 20061101 80 No MI
16638211 332000 20061101 80 No MI
16638340 312000 20061101 80 No MI
16638342 928000 20061101 80 No MI
16638373 664000 20061101 80 No MI
16638375 601000 20061101 76.55999756 No MI
16638381 600000 20061101 80 No MI
16638382 344000 20061101 78.18000031 No MI
16638390 431250 20061101 69.55999756 No MI
16638400 268550 20061101 80 No MI
16638403 137000 20061101 42.15000153 No MI
16638420 206800 20061101 80 No MI
16638428 352500 20061101 75 No MI
16638435 520000 20061101 80 No MI
16638445 259935 20061101 65 No MI
16638476 530400 20061101 80 No MI
16638486 448000 20061101 80 No MI
16638487 311200 20061101 80 No MI
16638501 476000 20061101 80 No MI
16632999 632000 20061101 80 No MI
16633004 198400 20061101 80 No MI
16632857 292500 20061101 75 No MI
16632984 300000 20061101 80 No MI
16632985 787500 20061101 75 No MI
16628769 280000 20061101 80 No MI
16628783 300000 20061101 74.06999969 No MI
16628789 273000 20061101 65 No MI
16628794 90400 20061101 80 No MI
16628795 352000 20061101 80 No MI
16628812 312000 20061101 80 No MI
16628821 650000 20061101 78.79000092 No MI
16628828 164800 20061001 80 No MI
16628843 468000 20061101 80 No MI
16628858 630000 20061101 70 No MI
16628907 360000 20061101 80 No MI
16628946 315000 20061101 70 No MI
16628690 264000 20061101 80 No MI
16628963 401250 20061101 79.98999786 No MI
16628999 391920 20061101 80 No MI
16629005 256500 20061101 90 GE Capital MI
16629009 650000 20061101 73.86000061 No MI
16629019 588000 20061101 80 No MI
16629026 637000 20061101 70 No MI
16629028 402500 20061101 70 No MI
16629031 308000 20061101 80 No MI
16629056 472000 20061101 80 No MI
16629066 184000 20061101 80 No MI
16629068 519200 20061101 80 No MI
16629113 480000 20061101 80 No MI
16629123 424000 20061101 80 No MI
16629148 383200 20061101 80 No MI
16629167 463000 20061101 61.72999954 No MI
16628745 275150 20061101 80 No MI
16629178 274000 20061101 45.66999817 No MI
16629184 469450 20061101 79.98000336 No MI
16629200 335000 20061101 77.91000366 No MI
16629220 320750 20061101 80 No MI
16629242 701600 20061101 80 No MI
16629251 505000 20061101 73.19000244 No MI
16629258 280000 20061101 80 No MI
16629288 768000 20061101 80 No MI
16629304 358400 20061101 80 No MI
16629331 290000 20061101 59.18000031 No MI
16632258 165600 20061101 80 No MI
16632283 434820 20061101 79.62999725 No MI
16632311 255883 20061101 77.80999756 No MI
16632314 267900 20061101 74.83000183 No MI
16632327 361600 20061101 80 No MI
16632338 302400 20061101 80 No MI
16632347 960000 20061101 80 No MI
16632367 387920 20061101 80 No MI
16632371 261600 20061101 80 No MI
16632474 232000 20061001 80 No MI
16632571 232000 20061101 80 No MI
16632646 205905 20061101 75 No MI
16632647 456000 20061101 80 No MI
16632670 688000 20061101 80 No MI
16632683 205600 20061101 80 No MI
16632748 400000 20061101 80 No MI
16632832 296000 20061101 60.90999985 No MI
16616320 333000 20061101 79.98999786 No MI
16616325 204000 20061101 80 No MI
16616471 230400 20061101 80 No MI
16616494 240000 20061101 75 No MI
16616559 352000 20061101 80 No MI
16616413 239200 20061101 80 No MI
16616462 749550 20061101 80 No MI
16616586 452800 20061101 80 No MI
16616644 276100 20061101 80 No MI
16611647 576000 20061101 80 No MI
16611652 285000 20061101 47.90000153 No MI
16611758 592000 20061101 80 No MI
16611794 463900 20061101 79.98000336 No MI
16611822 168650 20061101 74.98999786 No MI
16611831 324000 20061101 80 No MI
16611837 536000 20061001 80 No MI
16611844 420000 20061001 80 No MI
16611879 508000 20061101 80 No MI
16611897 240000 20061001 80 No MI
16611912 252900 20061101 80 No MI
16611914 260000 20061101 80 No MI
16611923 226400 20061101 80 No MI
16611938 568000 20061101 80 No MI
16611947 377600 20061101 80 No MI
16612696 646400 20061101 80 No MI
16612740 540000 20061101 80 No MI
16612752 360000 20061101 80 No MI
16612767 160000 20061101 80 No MI
16612775 386400 20061101 80 No MI
16612777 224000 20061101 80 No MI
16612804 515500 20061001 80 No MI
16612811 252000 20061101 80 No MI
16612826 353600 20061001 80 No MI
16612829 394320 20061101 80 No MI
16612842 352000 20061101 80 No MI
16612846 452000 20061101 80 No MI
16612874 421200 20061101 78.13999939 No MI
16612923 449000 20061101 61.50999832 No MI
16612949 264000 20061101 80 No MI
16612972 360000 20061101 80 No MI
16612993 412000 20061101 80 No MI
16613002 312000 20061101 80 No MI
16613092 317600 20061101 80 No MI
16613107 160000 20061101 80 No MI
16613108 367200 20061101 80 No MI
16613118 189650 20061101 79.98000336 No MI
16613188 364000 20061101 80 No MI
16613199 255100 20061101 65.91999817 No MI
16613202 650000 20061101 79.26999664 No MI
16613217 367920 20061101 80 No MI
16613231 620000 20061101 80 No MI
16613259 320000 20061101 80 No MI
16613281 315000 20061101 70 No MI
16613289 376427 20061101 80 No MI
16613293 920000 20061101 80 No MI
16613295 568000 20061101 80 No MI
16613303 189203 20061101 80 No MI
16616016 416000 20061101 80 No MI
16616017 1277500 20061101 70 No MI
16616019 288000 20061101 80 No MI
16616081 681846 20061101 80 No MI
16616089 413600 20061101 80 No MI
16616136 975000 20061101 78 No MI
16616155 106300 20061101 79.98000336 No MI
16616168 281200 20061101 76 No MI
16616199 256000 20061101 80 No MI
16616218 648000 20061101 80 No MI
16616261 226400 20061101 80 No MI
16616270 320000 20061101 52.88999939 No MI
16616282 125000 20061101 53.18999863 No MI
16616284 320000 20061101 80 No MI
16546182 340000 20061101 80 No MI
16546322 384000 20061001 80 No MI
16544375 360000 20061101 80 No MI
16545158 548000 20061101 80 No MI
16468666 1000000 20061001 80 No MI
16468073 476000 20061101 80 No MI
16468277 503428 20061101 80 No MI
16420112 272000 20061101 80 No MI
16568772 330000 20061101 61.68000031 No MI
16565075 154050 20061101 74.98000336 No MI
16567579 150400 20061101 80 No MI
16567581 500000 20061001 62.41999817 No MI
16567635 173000 20061101 75.70999908 No MI
16567651 230000 20061101 75.66000366 No MI
16563279 200000 20061001 78.43000031 No MI
16563286 880000 20061101 80 No MI
16564441 180000 20061101 69.23000336 No MI
16564456 284950 20061101 80 No MI
16564519 252000 20061101 90 Radian Guaranty
16563266 398400 20061101 80 No MI
16688262 244000 20061101 80 No MI
16688090 480000 20061101 80 No MI
16688091 488000 20061101 80 No MI
16688093 489550 20061101 79.98999786 No MI
16688323 400000 20061101 80 No MI
16688132 319900 20061101 79.98999786 No MI
16688134 298400 20061101 80 No MI
16688142 499750 20061101 80 No MI
16688175 408000 20061101 80 No MI
16688180 400000 20061101 80 No MI
16404249 1800000 20061101 29.03000069 No MI
16403929 404000 20061101 80 No MI
16393936 191000 20061101 79.75 No MI
16390321 462000 20061001 80 No MI
LOAN_SEQ MERS_ID1 MARGIN NEXT_RATE_ADJ_DATE1 MAX_RATE
_________________________________________________________________________________________________________
16611603 1.00E+17 2.25 20111001 13.375
16359531 1.00E+17 2.25 20110901 13.75
16419779 1.00E+17 2.25 20111101 12.75
16419798 1.00E+17 2.25 20111001 12.875
16419821 1.00E+17 2.25 20111001 12.875
16419838 1.00E+17 2.25 20111001 13.625
16419866 1.00E+17 2.25 20111001 12.875
16419879 1.00E+17 2.25 20111101 13.125
16400134 1.00E+17 2.25 20110901 12.75
16540023 1.00E+17 2.25 20111101 13.375
16394551 1.00E+17 2.25 20110801 12.375
16543509 1.00E+17 2.25 20111001 12.625
16545858 1.00E+17 2.25 20111001 12.75
16548392 1.00E+17 2.25 20111001 12.875
16548421 1.00E+17 2.25 20111001 12.625
16567196 1.00E+17 2.25 20111001 12.125
16567279 1.00E+17 2.25 20111001 13.75
16568545 1.00E+17 2.25 20111001 12.5
16568548 1.00E+17 2.25 20111101 13.75
16568470 1.00E+17 2.25 20111001 12.75
16568613 1.00E+17 2.25 20111001 12.625
16568683 1.00E+17 2.25 20111001 12.625
16569740 1.00E+17 2.25 20111001 12.75
16569767 1.00E+17 2.25 20110901 12.875
16571443 1.00E+17 2.25 20111101 12.875
16574612 1.00E+17 2.25 20111101 12.875
16590792 1.00E+17 2.25 20111001 12.875
16590800 1.00E+17 2.25 20111001 14
16574720 1.00E+17 2.25 20111101 12.625
16585329 1.00E+17 2.25 20111001 12.875
16585346 1.00E+17 2.25 20111001 13
16585353 1.00E+17 2.25 20111001 13.125
16594390 1.00E+17 2.25 20111101 13
16594423 1.00E+17 2.25 20111101 12
16594440 1.00E+17 2.25 20111101 12.5
16595890 1.00E+17 2.25 20111001 12.75
16596005 1.00E+17 2.25 20111001 13.125
16595916 2.25 20111001 13.5
16596083 1.00E+17 2.25 20111001 11.5
16595904 1.00E+17 2.25 20111001 13.125
16597006 1.00E+17 2.25 20111101 12.375
16597070 1.00E+17 2.25 20111101 12.875
16596928 1.00E+17 2.25 20111001 11.75
16597105 1.00E+17 2.25 20111001 14.5
16599198 1.00E+17 2.25 20111001 12
16599131 1.00E+17 2.25 20111101 13.625
16599286 1.00E+17 2.25 20111101 12.875
16599292 1.00E+17 2.25 20111001 12.25
16599145 1.00E+17 2.25 20111001 12.875
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16611794 1.00E+17 2.25 20111001 13
16611822 1.00E+17 2.25 20111001 12.75
16611831 1.00E+17 2.25 20111001 12.75
16611837 1.00E+17 2.25 20110901 13
16611844 1.00E+17 2.25 20110901 12.5
16611879 1.00E+17 2.25 20111001 12.625
16611897 1.00E+17 2.25 20110901 13.5
16611912 1.00E+17 2.25 20111001 13.125
16611914 1.00E+17 2.25 20111001 13.375
16611923 1.00E+17 2.25 20111001 12.75
16611938 1.00E+17 2.25 20111001 13.375
16611947 1.00E+17 2.25 20111001 12.5
16612696 1.00E+17 2.25 20111001 13.375
16612740 1.00E+17 2.25 20111001 13.375
16612752 1.00E+17 2.25 20111001 12.875
16612767 1.00E+17 2.25 20111001 12.625
16612775 1.00E+17 2.25 20111001 13
16612777 1.00E+17 2.25 20111001 13.125
16612804 1.00E+17 2.25 20110901 13
16612811 1.00E+17 2.25 20111001 12.25
16612826 1.00E+17 2.25 20110901 12.5
16612829 1.00E+17 2.25 20111001 12.75
16612842 1.00E+17 2.25 20111001 13
16612846 1.00E+17 2.25 20111001 9.75
16612874 1.00E+17 2.25 20111001 13.125
16612923 1.00E+17 2.25 20111001 12.25
16612949 1.00E+17 2.25 20111001 12.875
16612972 1.00E+17 2.25 20111001 12.875
16612993 1.00E+17 2.25 20111001 12.375
16613002 1.00E+17 2.25 20111001 12
16613092 1.00E+17 2.25 20111001 13.375
16613107 1.00E+17 2.25 20111001 12.75
16613108 1.00E+17 2.25 20111001 13.125
16613118 1.00E+17 2.25 20111001 12.875
16613188 1.00E+17 2.25 20111001 12.5
16613199 1.00E+17 2.25 20111001 12
16613202 1.00E+17 2.25 20111001 13.375
16613217 1.00E+17 2.25 20111001 12.625
16613231 1.00E+17 2.25 20111001 13.375
16613259 1.00E+17 2.25 20111001 13.375
16613281 1.00E+17 2.25 20111001 12.875
16613289 1.00E+17 2.25 20111001 12.75
16613293 1.00E+17 2.25 20111001 12.75
16613295 1.00E+17 2.25 20111001 12.875
16613303 1.00E+17 2.25 20111001 13.125
16616016 1.00E+17 2.25 20111001 13
16616017 1.00E+17 2.25 20111001 11.75
16616019 1.00E+17 2.25 20111001 12.875
16616081 1.00E+17 2.25 20111001 13.375
16616089 1.00E+17 2.25 20111001 12.375
16616136 1.00E+17 2.25 20111001 13.125
16616155 1.00E+17 2.25 20111001 13.375
16616168 1.00E+17 2.25 20111001 12.125
16616199 1.00E+17 2.25 20111001 12.5
16616218 1.00E+17 2.25 20111001 12.75
16616261 1.00E+17 5.42 20111001 13.125
16616270 1.00E+17 2.25 20111001 12.25
16616282 1.00E+17 2.25 20111001 11.875
16616284 1.00E+17 2.25 20111001 12.75
16546182 1.00E+17 2.25 20111001 12.5
16546322 2.25 20110901 12.5
16544375 1.00E+17 2.25 20111001 13.625
16545158 1.00E+17 2.25 20111001 12.5
16468666 1.00E+17 2.25 20110901 13.5
16468073 1.00E+17 2.25 20111001 13.375
16468277 1.00E+17 2.25 20111001 13.625
16420112 1.00E+17 2.25 20111001 13
16568772 1.00E+17 2.25 20111001 12
16565075 1.00E+17 2.25 20111001 12.375
16567579 1.00E+17 2.25 20111001 12.25
16567581 1.00E+17 2.25 20110901 12.5
16567635 1.00E+17 2.25 20111001 12.625
16567651 1.00E+17 2.25 20111001 12.875
16563279 1.00E+17 2.25 20110901 11.25
16563286 1.00E+17 2.25 20111001 13.375
16564441 1.00E+17 2.25 20111001 8.875
16564456 1.00E+17 2.25 20111001 13
16564519 1.00E+17 2.25 20111001 12.625
16563266 1.00E+17 2.25 20111001 13.25
16688262 1.00E+17 2.25 20111001 12.625
16688090 1.00E+17 2.25 20111001 12.75
16688091 1.00E+17 2.25 20111001 13.125
16688093 1.00E+17 2.25 20111001 12.875
16688323 1.00E+17 2.25 20111001 12.75
16688132 1.00E+17 2.25 20111001 13.375
16688134 1.00E+17 2.25 20111001 12.25
16688142 1.00E+17 2.25 20111001 12
16688175 1.00E+17 2.25 20111001 12.625
16688180 1.00E+17 2.25 20111001 12.75
16404249 1.00E+17 2.25 20111001 12.625
16403929 1.00E+17 2.25 20111001 13.75
16393936 1.00E+17 2.25 20111001 12.75
16390321 1.00E+17 2.25 20110901 12.75
LOAN_SEQ MIN_RATE PER_RATE_CAP LIEN BALLOON
______________________________________________________________________________________
16611603 2.25 1 First Lien No
16359531 2.25 1 First Lien No
16419779 2.25 1 First Lien No
16419798 2.25 1 First Lien No
16419821 2.25 1 First Lien No
16419838 2.25 1 First Lien No
16419866 2.25 1 First Lien No
16419879 2.25 1 First Lien No
16400134 2.25 1 First Lien No
16540023 2.25 1 First Lien No
16394551 2.25 1 First Lien No
16543509 2.25 1 First Lien No
16545858 2.25 1 First Lien No
16548392 2.25 1 First Lien No
16548421 2.25 1 First Lien No
16567196 2.25 1 First Lien No
16567279 2.25 1 First Lien No
16568545 2.25 1 First Lien No
16568548 2.25 1 First Lien No
16568470 2.25 1 First Lien No
16568613 2.25 1 First Lien No
16568683 2.25 1 First Lien No
16569740 2.25 1 First Lien No
16569767 2.25 1 First Lien No
16571443 2.25 1 First Lien No
16574612 2.25 1 First Lien No
16590792 2.25 1 First Lien No
16590800 2.25 1 First Lien No
16574720 2.25 1 First Lien No
16585329 2.25 1 First Lien No
16585346 2.25 1 First Lien No
16585353 2.25 1 First Lien No
16594390 2.25 1 First Lien No
16594423 2.25 1 First Lien No
16594440 2.25 1 First Lien No
16595890 2.25 1 First Lien No
16596005 2.25 1 First Lien No
16595916 2.25 1 First Lien No
16596083 2.25 1 First Lien No
16595904 2.25 1 First Lien No
16597006 2.25 1 First Lien No
16597070 2.25 1 First Lien No
16596928 2.25 1 First Lien No
16597105 2.25 1 First Lien No
16599198 2.25 1 First Lien No
16599131 2.25 1 First Lien No
16599286 2.25 1 First Lien No
16599292 2.25 1 First Lien No
16599145 2.25 1 First Lien No
16600671 2.25 1 First Lien No
16600700 2.25 1 First Lien No
16600595 2.25 1 First Lien No
16601721 2.25 1 First Lien No
16601668 2.25 1 First Lien No
16601733 2.25 1 First Lien No
16601768 2.25 1 First Lien No
16601795 2.25 1 First Lien No
16603629 2.25 1 First Lien No
16603632 2.25 1 First Lien No
16603634 2.25 1 First Lien No
16603643 2.25 1 First Lien No
16603582 2.25 1 First Lien No
16603756 2.25 1 First Lien No
16603767 2.25 1 First Lien No
16603604 2.25 1 First Lien No
16605485 2.25 1 First Lien No
16605499 2.25 1 First Lien No
16605516 2.25 1 First Lien No
16605407 2.25 1 First Lien No
16605416 2.25 1 First Lien No
16605418 2.25 1 First Lien No
16605430 2.25 1 First Lien No
16605431 2.25 1 First Lien No
16605450 2.25 1 First Lien No
16605581 2.25 1 First Lien No
16609360 2.25 1 First Lien No
16609368 2.25 1 First Lien No
16609378 2.25 1 First Lien No
16609416 2.25 1 First Lien No
16609288 2.25 1 First Lien No
16609293 2.25 1 First Lien No
16609428 2.25 1 First Lien No
16609456 2.25 1 First Lien No
16609460 2.25 1 First Lien No
16609325 2.25 1 First Lien No
16610929 2.25 1 First Lien No
16611021 2.25 1 First Lien No
16611038 2.25 1 First Lien No
16611076 2.25 1 First Lien No
16610955 2.25 1 First Lien No
16611078 2.25 1 First Lien No
16610958 2.25 1 First Lien No
16610962 2.25 1 First Lien No
16611097 2.25 1 First Lien No
16611101 2.25 1 First Lien No
16611115 2.25 1 First Lien No
16611175 2.25 1 First Lien No
16612449 2.25 1 First Lien No
16612452 2.25 1 First Lien No
16612397 2.25 1 First Lien No
16612496 2.25 1 First Lien No
16612512 2.25 1 First Lien No
16612516 2.25 1 First Lien No
16612517 2.25 1 First Lien No
16612591 2.25 1 First Lien No
16612605 2.25 1 First Lien No
16615778 2.25 1 First Lien No
16615849 2.25 1 First Lien No
16615851 2.25 1 First Lien No
16615718 2.25 1 First Lien No
16615870 2.25 1 First Lien No
16615877 2.25 1 First Lien No
16615918 2.25 1 First Lien No
16615739 2.25 1 First Lien No
16628499 2.25 1 First Lien No
16628501 2.25 1 First Lien No
16628512 2.25 1 First Lien No
16628418 2.25 1 First Lien No
16628533 2.25 1 First Lien No
16628545 2.25 1 First Lien No
16628552 2.25 1 First Lien No
16628553 2.25 1 First Lien No
16628555 2.25 1 First Lien No
16628451 2.25 1 First Lien No
16628587 2.25 1 First Lien No
16628596 2.25 1 First Lien No
16628626 2.25 1 First Lien No
16628631 2.25 1 First Lien No
16628467 2.25 1 First Lien No
16628637 2.25 1 First Lien No
16628646 2.25 1 First Lien No
16628648 2.25 1 First Lien No
16631156 2.25 1 First Lien No
16631189 2.25 1 First Lien No
16631222 2.25 1 First Lien No
16631245 2.25 1 First Lien No
16631250 2.25 1 First Lien No
16631256 2.25 1 First Lien No
16631258 2.25 1 First Lien No
16631267 2.25 1 First Lien No
16630968 2.25 1 First Lien No
16631285 2.25 1 First Lien No
16633978 2.25 1 First Lien No
16633987 2.25 1 First Lien No
16633993 2.25 1 First Lien No
16633997 2.25 1 First Lien No
16634000 2.25 1 First Lien No
16634003 2.25 1 First Lien No
16634005 2.25 1 First Lien No
16634011 2.25 1 First Lien No
16634013 2.25 1 First Lien No
16634018 2.25 1 First Lien No
16634025 2.25 1 First Lien No
16634047 2.25 1 First Lien No
16634052 2.25 1 First Lien No
16634065 2.25 1 First Lien No
16633678 2.25 1 First Lien No
16634075 2.25 1 First Lien No
16634083 2.25 1 First Lien No
16634085 2.25 1 First Lien No
16633683 2.25 1 First Lien No
16634104 2.25 1 First Lien No
16633692 2.25 1 First Lien No
16634126 2.25 1 First Lien No
16634143 2.25 1 First Lien No
16638025 2.25 1 First Lien No
16638038 2.25 1 First Lien No
16637957 2.25 1 First Lien No
16638090 2.25 1 First Lien No
16640557 2.25 1 First Lien No
16640563 2.25 1 First Lien No
16640428 2.25 1 First Lien No
16640597 2.25 1 First Lien No
16640601 2.25 1 First Lien No
16640444 2.25 1 First Lien No
16638114 2.25 1 First Lien No
16638118 2.25 1 First Lien No
16638130 2.25 1 First Lien No
16637991 2.25 1 First Lien No
16638002 2.25 1 First Lien No
16638166 2.25 1 First Lien No
16640486 2.25 1 First Lien No
16640499 2.25 1 First Lien No
16640500 2.25 1 First Lien No
16640506 2.25 1 First Lien No
16640510 2.25 1 First Lien No
16640523 2.25 1 First Lien No
16640547 2.25 1 First Lien No
16640405 2.25 1 First Lien No
16640406 2.25 1 First Lien No
16643355 2.25 1 First Lien No
16643357 2.25 1 First Lien No
16643411 2.25 1 First Lien No
16643420 2.25 1 First Lien No
16643422 2.25 1 First Lien No
16643424 2.25 1 First Lien No
16643429 2.25 1 First Lien No
16643434 2.25 1 First Lien No
16643294 2.25 1 First Lien No
16643397 2.25 1 First Lien No
16643437 2.25 1 First Lien No
16643448 2.25 1 First Lien No
16643456 2.25 1 First Lien No
16643459 2.25 1 First Lien No
16643462 2.25 1 First Lien No
16643318 2.25 1 First Lien No
16643467 2.25 1 First Lien No
16643488 2.25 1 First Lien No
16643496 2.25 1 First Lien No
16643507 2.25 1 First Lien No
16643511 2.25 1 First Lien No
16645772 2.25 1 First Lien No
16645777 2.25 1 First Lien No
16645779 2.25 1 First Lien No
16645792 2.25 1 First Lien No
16645710 2.25 1 First Lien No
16645810 2.25 1 First Lien No
16645832 2.25 1 First Lien No
16648186 2.25 1 First Lien No
16648075 2.25 1 First Lien No
16648191 2.25 1 First Lien No
16648224 2.25 1 First Lien No
16648082 2.25 1 First Lien No
16648249 2.25 1 First Lien No
16648250 2.25 1 First Lien No
16648092 2.25 1 First Lien No
16648274 2.25 1 First Lien No
16648300 2.25 1 First Lien No
16648305 2.25 1 First Lien No
16648120 2.25 1 First Lien No
16648310 2.25 1 First Lien No
16645856 2.25 1 First Lien No
16645863 2.25 1 First Lien No
16645865 2.25 1 First Lien No
16645869 2.25 1 First Lien No
16645893 2.25 1 First Lien No
16649577 2.25 1 First Lien No
16649592 2.25 1 First Lien No
16649596 2.25 1 First Lien No
16649597 2.25 1 First Lien No
16649600 2.25 1 First Lien No
16649614 2.25 1 First Lien No
16649651 2.25 1 First Lien No
16649657 2.25 1 First Lien No
16649662 2.25 1 First Lien No
16649672 2.25 1 First Lien No
16649679 2.25 1 First Lien No
16649681 2.25 1 First Lien No
16649685 2.25 1 First Lien No
16649710 2.25 1 First Lien No
16649722 2.25 1 First Lien No
16645920 2.25 1 First Lien No
16645925 2.25 1 First Lien No
16645928 2.25 1 First Lien No
16649734 2.25 1 First Lien No
16650933 2.25 1 First Lien No
16650943 2.25 1 First Lien No
16650945 2.25 1 First Lien No
16650844 2.25 1 First Lien No
16650946 2.25 1 First Lien No
16650966 2.25 1 First Lien No
16650969 2.25 1 First Lien No
16650976 2.25 1 First Lien No
16650866 2.25 1 First Lien No
16650986 2.25 1 First Lien No
16651014 2.25 1 First Lien No
16651023 2.25 1 First Lien No
16651036 2.25 1 First Lien No
16651041 2.25 1 First Lien No
16651051 2.25 1 First Lien No
16650897 2.25 1 First Lien No
16653436 2.25 1 First Lien No
16653550 2.25 1 First Lien No
16653563 2.25 1 First Lien No
16653566 2.25 1 First Lien No
16653589 2.25 1 First Lien No
16653601 2.25 1 First Lien No
16653605 2.25 1 First Lien No
16648143 2.25 1 First Lien No
16648068 2.25 1 First Lien No
16648158 2.25 1 First Lien No
16648174 2.25 1 First Lien No
16653450 2.25 1 First Lien No
16653634 2.25 1 First Lien No
16653647 2.25 1 First Lien No
16653650 2.25 1 First Lien No
16653660 2.25 1 First Lien No
16653666 2.25 1 First Lien No
16653482 2.25 1 First Lien No
16653677 2.25 1 First Lien No
16653679 2.25 1 First Lien No
16653689 2.25 1 First Lien No
16653694 2.25 1 First Lien No
16653699 2.25 1 First Lien No
16655770 2.25 1 First Lien No
16655774 2.25 1 First Lien No
16655783 2.25 1 First Lien No
16655793 2.25 1 First Lien No
16655802 2.25 1 First Lien No
16655806 2.25 1 First Lien No
16655810 2.25 1 First Lien No
16655814 2.25 1 First Lien No
16655821 2.25 1 First Lien No
16655825 2.25 1 First Lien No
16655842 2.25 1 First Lien No
16655853 2.25 1 First Lien No
16655859 2.25 1 First Lien No
16655868 2.25 1 First Lien No
16655871 2.25 1 First Lien No
16655896 2.25 1 First Lien No
16655904 2.25 1 First Lien No
16655908 2.25 1 First Lien No
16655925 2.25 1 First Lien No
16655940 2.25 1 First Lien No
16658157 2.25 1 First Lien No
16658162 2.25 1 First Lien No
16658172 2.25 1 First Lien No
16658174 2.25 1 First Lien No
16658188 2.25 1 First Lien No
16658229 2.25 1 First Lien No
16658242 2.25 1 First Lien No
16658128 2.25 1 First Lien No
16658300 2.25 1 First Lien No
16658306 2.25 1 First Lien No
16658131 2.25 1 First Lien No
16658324 2.25 1 First Lien No
16658329 2.25 1 First Lien No
16658336 2.25 1 First Lien No
16661819 2.25 1 First Lien No
16661739 2.25 1 First Lien No
16661836 2.25 1 First Lien No
16661879 2.25 1 First Lien No
16661759 2.25 1 First Lien No
16661914 2.25 1 First Lien No
16661928 2.25 1 First Lien No
16661930 2.25 1 First Lien No
16661940 2.25 1 First Lien No
16661944 2.25 1 First Lien No
16663570 2.25 1 First Lien No
16663573 2.25 1 First Lien No
16663591 2.25 1 First Lien No
16663608 2.25 1 First Lien No
16663449 2.25 1 First Lien No
16663476 2.25 1 First Lien No
16663627 2.25 1 First Lien No
16663640 2.25 1 First Lien No
16663643 2.25 1 First Lien No
16663649 2.25 1 First Lien No
16663671 2.25 1 First Lien No
16663686 2.25 1 First Lien No
16663689 2.25 1 First Lien No
16665269 2.25 1 First Lien No
16665277 2.25 1 First Lien No
16665285 2.25 1 First Lien No
16665298 2.25 1 First Lien No
16665308 2.25 1 First Lien No
16665320 2.25 1 First Lien No
16665330 2.25 1 First Lien No
16665337 2.25 1 First Lien No
16665338 2.25 1 First Lien No
16665341 2.25 1 First Lien No
16665342 2.25 1 First Lien No
16665390 2.25 1 First Lien No
16665408 2.25 1 First Lien No
16666579 2.25 1 First Lien No
16666586 2.25 1 First Lien No
16666608 2.25 1 First Lien No
16666641 2.25 1 First Lien No
16666649 2.25 1 First Lien No
16666652 2.25 1 First Lien No
16666669 2.25 1 First Lien No
16666515 2.25 1 First Lien No
16666689 2.25 1 First Lien No
16666710 2.25 1 First Lien No
16666713 2.25 1 First Lien No
16666716 2.25 1 First Lien No
16670010 2.25 1 First Lien No
16670012 2.25 1 First Lien No
16670019 2.25 1 First Lien No
16670051 2.25 1 First Lien No
16670058 2.25 1 First Lien No
16670072 2.25 1 First Lien No
16670079 2.25 1 First Lien No
16670087 2.25 1 First Lien No
16670092 2.25 1 First Lien No
16670108 2.25 1 First Lien No
16670112 2.25 1 First Lien No
16670128 2.25 1 First Lien No
16670137 2.25 1 First Lien No
16670140 2.25 1 First Lien No
16670152 2.25 1 First Lien No
16670167 2.25 1 First Lien No
16670179 2.25 1 First Lien No
16670191 2.25 1 First Lien No
16670204 2.25 1 First Lien No
16670208 2.25 1 First Lien No
16670235 2.25 1 First Lien No
16671409 2.25 1 First Lien No
16671312 2.25 1 First Lien No
16671434 2.25 1 First Lien No
16671441 2.25 1 First Lien No
16671452 2.25 1 First Lien No
16671454 2.25 1 First Lien No
16671468 2.25 1 First Lien No
16671474 2.25 1 First Lien No
16671476 2.25 1 First Lien No
16671489 2.25 1 First Lien No
16671510 2.25 1 First Lien No
16671513 2.25 1 First Lien No
16671517 2.25 1 First Lien No
16671521 2.25 1 First Lien No
16674923 2.25 1 First Lien No
16674961 2.25 1 First Lien No
16674967 2.25 1 First Lien No
16674997 2.25 1 First Lien No
16675002 2.25 1 First Lien No
16675020 2.25 1 First Lien No
16674868 2.25 1 First Lien No
16675064 2.25 1 First Lien No
16675072 2.25 1 First Lien No
16676344 2.25 1 First Lien No
16676361 2.25 1 First Lien No
16676369 2.25 1 First Lien No
16676372 2.25 1 First Lien No
16676409 2.25 1 First Lien No
16676415 2.25 1 First Lien No
16676421 2.25 1 First Lien No
16676456 2.25 1 First Lien No
16676462 2.25 1 First Lien No
16676463 2.25 1 First Lien No
16676471 2.25 1 First Lien No
16679058 2.25 1 First Lien No
16679064 2.25 1 First Lien No
16679092 2.25 1 First Lien No
16679116 2.25 1 First Lien No
16679132 2.25 1 First Lien No
16679135 2.25 1 First Lien No
16679150 2.25 1 First Lien No
16680979 2.25 1 First Lien No
16681004 2.25 1 First Lien No
16681021 2.25 1 First Lien No
16681024 2.25 1 First Lien No
16681030 2.25 1 First Lien No
16681037 2.25 1 First Lien No
16681090 2.25 1 First Lien No
16681094 2.25 1 First Lien No
16681150 2.25 1 First Lien No
16681168 2.25 1 First Lien No
16683782 2.25 1 First Lien No
16683783 2.25 1 First Lien No
16683798 2.25 1 First Lien No
16683821 2.25 1 First Lien No
16683857 2.25 1 First Lien No
16683868 2.25 1 First Lien No
16683878 2.25 1 First Lien No
16683888 2.25 1 First Lien No
16685507 2.25 1 First Lien No
16685527 2.25 1 First Lien No
16685532 2.25 1 First Lien No
16685547 2.25 1 First Lien No
16685551 2.25 1 First Lien No
16685593 2.25 1 First Lien No
16685623 2.25 1 First Lien No
16685652 2.25 1 First Lien No
16687856 2.25 1 First Lien No
16687896 2.25 1 First Lien No
16687908 2.25 1 First Lien No
16687911 2.25 1 First Lien No
16687915 2.25 1 First Lien No
16687987 2.25 1 First Lien No
16691858 2.25 1 First Lien No
16691890 2.25 1 First Lien No
16691903 2.25 1 First Lien No
16691906 2.25 1 First Lien No
16691944 2.25 1 First Lien No
16691949 2.25 1 First Lien No
16691963 2.25 1 First Lien No
16691979 2.25 1 First Lien No
16691817 2.25 1 First Lien No
16692023 2.25 1 First Lien No
16693157 2.25 1 First Lien No
16693194 2.25 1 First Lien No
16693257 2.25 1 First Lien No
16693292 2.25 1 First Lien No
16695783 2.25 1 First Lien No
16695795 2.25 1 First Lien No
16695890 2.25 1 First Lien No
16697247 2.25 1 First Lien No
16697323 2.25 1 First Lien No
16700101 2.25 1 First Lien No
16700136 2.25 1 First Lien No
16700151 2.25 1 First Lien No
16700156 2.25 1 First Lien No
16706248 2.25 1 First Lien No
16709229 2.25 1 First Lien No
16709260 2.25 1 First Lien No
16709324 2.25 1 First Lien No
16710597 2.25 1 First Lien No
16710598 2.25 1 First Lien No
16156005 2.25 1 First Lien No
16611399 2.25 1 First Lien No
16611422 2.25 1 First Lien No
16611475 2.25 1 First Lien No
16611516 2.25 1 First Lien No
16611533 2.25 1 First Lien No
16611534 2.25 1 First Lien No
16611568 2.25 1 First Lien No
16611593 2.25 1 First Lien No
16611594 2.25 1 First Lien No
16611307 2.25 1 First Lien No
16611356 2.25 1 First Lien No
16611367 2.25 1 First Lien No
16610026 2.25 1 First Lien No
16610041 2.25 1 First Lien No
16610065 2.25 1 First Lien No
16610070 2.25 1 First Lien No
16610126 2.25 1 First Lien No
16610128 2.25 1 First Lien No
16610138 2.25 1 First Lien No
16610165 2.25 1 First Lien No
16610224 2.25 1 First Lien No
16610248 2.25 1 First Lien No
16610276 2.25 1 First Lien No
16610282 2.25 1 First Lien No
16610286 2.25 1 First Lien No
16610290 2.25 1 First Lien No
16611194 2.25 1 First Lien No
16611195 2.25 1 First Lien No
16605736 2.25 1 First Lien No
16605739 2.25 1 First Lien No
16605746 2.25 1 First Lien No
16605763 2.25 1 First Lien No
16605779 2.25 1 First Lien No
16605784 2.25 1 First Lien No
16605793 2.25 1 First Lien No
16605797 2.25 1 First Lien No
16605801 2.25 1 First Lien No
16605807 2.25 1 First Lien No
16605828 3.25 1 First Lien No
16605839 2.25 1 First Lien No
16605879 2.25 1 First Lien No
16605882 2.25 1 First Lien No
16605885 2.25 1 First Lien No
16605936 2.25 1 First Lien No
16606018 2.25 1 First Lien No
16606031 2.25 1 First Lien No
16606105 2.25 1 First Lien No
16606123 2.25 1 First Lien No
16606129 2.25 1 First Lien No
16606143 2.25 1 First Lien No
16606180 2.25 1 First Lien No
16606194 2.25 1 First Lien No
16606200 2.25 1 First Lien No
16609606 2.25 1 First Lien No
16609655 2.25 1 First Lien No
16609697 2.25 1 First Lien No
16609724 2.25 1 First Lien No
16609736 2.25 1 First Lien No
16609742 2.25 1 First Lien No
16609758 2.25 1 First Lien No
16609763 2.25 1 First Lien No
16609783 2.25 1 First Lien No
16609785 2.25 1 First Lien No
16609788 2.25 1 First Lien No
16609802 2.25 1 First Lien No
16609853 2.25 1 First Lien No
16609863 2.25 1 First Lien No
16609881 2.25 1 First Lien No
16609917 2.25 1 First Lien No
16609931 2.25 1 First Lien No
16609944 2.25 1 First Lien No
16609948 2.25 1 First Lien No
16609960 2.25 1 First Lien No
16609980 2.25 1 First Lien No
16609998 2.25 1 First Lien No
16610001 2.25 1 First Lien No
16610008 2.25 1 First Lien No
16610018 2.25 1 First Lien No
16610020 2.25 1 First Lien No
16610023 2.25 1 First Lien No
16602996 2.25 1 First Lien No
16602891 2.25 1 First Lien No
16602904 2.25 1 First Lien No
16602917 2.25 1 First Lien No
16602924 2.25 1 First Lien No
16602925 2.25 1 First Lien No
16602999 2.25 1 First Lien No
16603002 2.25 1 First Lien No
16603021 2.25 1 First Lien No
16603023 2.25 1 First Lien No
16603027 2.25 1 First Lien No
16603041 2.25 1 First Lien No
16603057 2.25 1 First Lien No
16603094 2.25 1 First Lien No
16603099 2.25 1 First Lien No
16603133 2.25 1 First Lien No
16603885 2.25 1 First Lien No
16603900 2.25 1 First Lien No
16603917 2.25 1 First Lien No
16604003 2.25 1 First Lien No
16604035 2.25 1 First Lien No
16604055 2.25 1 First Lien No
16604068 2.25 1 First Lien No
16604079 2.25 1 First Lien No
16604107 2.25 1 First Lien No
16604136 2.25 1 First Lien No
16604187 2.25 1 First Lien No
16604201 2.25 1 First Lien No
16604204 2.25 1 First Lien No
16604232 2.25 1 First Lien No
16604313 2.25 1 First Lien No
16604316 2.25 1 First Lien No
16604320 2.25 1 First Lien No
16604330 2.25 1 First Lien No
16604335 2.25 1 First Lien No
16604352 2.25 1 First Lien No
16604372 2.25 1 First Lien No
16604401 2.25 1 First Lien No
16604429 2.25 1 First Lien No
16604439 2.25 1 First Lien No
16604448 2.25 1 First Lien No
16604475 2.25 1 First Lien No
16600061 2.25 1 First Lien No
16600068 2.25 1 First Lien No
16600806 2.25 1 First Lien No
16600819 2.75 1 First Lien No
16600897 2.25 1 First Lien No
16600898 2.25 1 First Lien No
16600913 2.25 1 First Lien No
16600997 2.25 1 First Lien No
16601090 2.25 1 First Lien No
16601110 2.25 1 First Lien No
16601121 2.25 1 First Lien No
16601186 2.25 1 First Lien No
16601191 2.25 1 First Lien No
16601192 2.25 1 First Lien No
16601210 2.25 1 First Lien No
16601254 2.25 1 First Lien No
16601268 2.25 1 First Lien No
16601271 2.25 1 First Lien No
16601273 2.25 1 First Lien No
16601275 2.25 1 First Lien No
16601281 2.25 1 First Lien No
16601289 2.25 1 First Lien No
16601326 2.25 1 First Lien No
16601331 2.25 1 First Lien No
16601336 2.25 1 First Lien No
16601346 2.25 1 First Lien No
16601355 2.25 1 First Lien No
16601406 2.25 1 First Lien No
16601407 2.25 1 First Lien No
16601411 2.25 1 First Lien No
16601417 2.25 1 First Lien No
16602646 2.25 1 First Lien No
16602672 2.25 1 First Lien No
16602673 2.25 1 First Lien No
16602681 2.25 1 First Lien No
16602711 2.25 1 First Lien No
16602790 2.25 1 First Lien No
16602804 2.25 1 First Lien No
16602824 2.25 1 First Lien No
16602874 2.25 1 First Lien No
16602878 2.25 1 First Lien No
16599648 2.25 1 First Lien No
16599660 2.25 1 First Lien No
16599661 2.25 1 First Lien No
16599681 2.25 1 First Lien No
16599751 2.25 1 First Lien No
16599837 2.25 1 First Lien No
16599865 2.25 1 First Lien No
16599883 2.25 1 First Lien No
16599884 2.25 1 First Lien No
16599892 2.25 1 First Lien No
16599934 2.25 1 First Lien No
16600006 2.25 1 First Lien No
16600012 2.25 1 First Lien No
16600050 2.25 1 First Lien No
16600054 2.25 1 First Lien No
16599526 2.25 1 First Lien No
16599553 2.25 1 First Lien No
16599586 2.25 1 First Lien No
16597187 2.25 1 First Lien No
16597291 2.25 1 First Lien No
16597299 2.25 1 First Lien No
16597335 2.25 1 First Lien No
16597348 2.25 1 First Lien No
16597392 2.25 1 First Lien No
16597437 2.25 1 First Lien No
16597444 2.25 1 First Lien No
16597480 2.25 1 First Lien No
16597498 2.25 1 First Lien No
16597514 2.25 1 First Lien No
16597566 2.25 1 First Lien No
16597614 2.25 1 First Lien No
16597668 2.25 1 First Lien No
16597670 2.25 1 First Lien No
16597685 2.25 1 First Lien No
16597721 2.25 1 First Lien No
16597722 2.25 1 First Lien No
16597725 2.25 1 First Lien No
16597732 2.25 1 First Lien No
16597734 2.25 1 First Lien No
16597738 2.25 1 First Lien No
16597756 2.25 1 First Lien No
16597775 2.25 1 First Lien No
16597809 2.25 1 First Lien No
16597812 2.25 1 First Lien No
16599341 2.25 1 First Lien No
16596624 2.25 1 First Lien No
16596777 2.25 1 First Lien No
16596781 2.25 1 First Lien No
16596787 2.25 1 First Lien No
16596800 2.25 1 First Lien No
16594913 2.25 1 First Lien No
16594919 2.25 1 First Lien No
16594925 2.25 1 First Lien No
16595053 2.25 1 First Lien No
16595102 2.25 1 First Lien No
16595117 2.25 1 First Lien No
16595138 2.25 1 First Lien No
16595153 2.25 1 First Lien No
16595231 2.25 1 First Lien No
16595330 2.25 1 First Lien No
16595373 2.25 1 First Lien No
16595410 2.25 1 First Lien No
16595416 2.25 1 First Lien No
16595421 2.25 1 First Lien No
16595428 2.25 1 First Lien No
16595431 2.25 1 First Lien No
16595441 2.25 1 First Lien No
16596135 2.25 1 First Lien No
16596150 2.25 1 First Lien No
16596151 2.25 1 First Lien No
16596185 2.25 1 First Lien No
16596333 2.25 1 First Lien No
16591659 2.25 1 First Lien No
16591676 2.25 1 First Lien No
16591686 2.25 1 First Lien No
16596375 2.25 1 First Lien No
16596379 2.25 1 First Lien No
16596414 2.25 1 First Lien No
16596441 2.25 1 First Lien No
16596447 2.25 1 First Lien No
16596476 2.25 1 First Lien No
16596512 2.25 1 First Lien No
16594778 2.25 1 First Lien No
16594784 2.25 1 First Lien No
16591280 2.25 1 First Lien No
16591293 2.25 1 First Lien No
16591471 2.25 1 First Lien No
16591534 2.25 1 First Lien No
16591607 2.25 1 First Lien No
16591619 2.25 1 First Lien No
16591322 2.25 1 First Lien No
16585992 2.25 1 First Lien No
16586059 2.25 1 First Lien No
16586091 2.25 1 First Lien No
16586101 2.25 1 First Lien No
16591067 2.25 1 First Lien No
16591068 2.25 1 First Lien No
16591069 2.25 1 First Lien No
16591106 2.25 1 First Lien No
16591132 2.25 1 First Lien No
16591194 2.25 1 First Lien No
16591198 2.25 1 First Lien No
16585804 2.25 1 First Lien No
16585807 2.25 1 First Lien No
16585909 2.25 1 First Lien No
16585879 2.25 1 First Lien No
16585603 2.25 1 First Lien No
16585688 2.25 1 First Lien No
16575253 2.25 1 First Lien No
16585441 2.25 1 First Lien No
16575301 2.25 1 First Lien No
16575370 2.25 1 First Lien No
16575421 2.25 1 First Lien No
16575426 2.25 1 First Lien No
16572052 2.25 1 First Lien No
16572113 2.25 1 First Lien No
16572146 2.25 1 First Lien No
16574845 2.25 1 First Lien No
16575104 2.25 1 First Lien No
16574967 2.25 1 First Lien No
16571870 2.25 1 First Lien No
16571707 2.25 1 First Lien No
16571597 2.25 1 First Lien No
16570570 2.25 1 First Lien No
16570816 2.25 1 First Lien No
16568960 2.25 1 First Lien No
16569071 2.25 1 First Lien No
16569293 2.25 1 First Lien No
16569328 2.25 1 First Lien No
16569385 2.25 1 First Lien No
16570365 2.25 1 First Lien No
16549800 2.25 1 First Lien No
16549826 2.25 1 First Lien No
16693324 2.25 1 First Lien No
16693326 2.25 1 First Lien No
16693327 2.25 1 First Lien No
16693353 2.25 1 First Lien No
16549418 2.25 1 First Lien No
16551706 2.25 1 First Lien No
16552176 2.25 1 First Lien No
16656545 2.25 1 First Lien No
16656666 2.25 1 First Lien No
16656255 2.25 1 First Lien No
16656732 2.25 1 First Lien No
16656274 2.25 1 First Lien No
16656755 2.25 1 First Lien No
16656786 2.25 1 First Lien No
16656305 2.25 1 First Lien No
16656316 2.25 1 First Lien No
16656425 2.25 1 First Lien No
16654510 2.25 1 First Lien No
16654406 2.25 1 First Lien No
16655963 2.25 1 First Lien No
16655995 2.25 1 First Lien No
16656072 2.25 1 First Lien No
16656172 2.25 1 First Lien No
16656852 2.25 1 First Lien No
16656853 2.25 1 First Lien No
16653956 2.25 1 First Lien No
16653994 2.25 1 First Lien No
16653779 2.25 1 First Lien No
16653826 2.25 1 First Lien No
16653834 2.25 1 First Lien No
16653852 2.25 1 First Lien No
16653853 2.25 1 First Lien No
16654112 2.25 1 First Lien No
16654116 2.25 1 First Lien No
16654122 2.25 1 First Lien No
16653861 2.25 1 First Lien No
16653863 2.25 1 First Lien No
16653872 2.25 1 First Lien No
16653881 2.25 1 First Lien No
16653883 2.25 1 First Lien No
16653889 2.25 1 First Lien No
16653894 2.25 1 First Lien No
16654164 2.25 1 First Lien No
16654175 2.25 1 First Lien No
16654176 2.25 1 First Lien No
16654206 2.25 1 First Lien No
16654221 2.25 1 First Lien No
16653927 2.25 1 First Lien No
16653928 2.25 1 First Lien No
16653954 2.25 1 First Lien No
16654352 2.25 1 First Lien No
16651793 2.25 1 First Lien No
16651796 2.25 1 First Lien No
16651801 2.25 1 First Lien No
16651813 2.25 1 First Lien No
16651845 2.25 1 First Lien No
16651857 2.25 1 First Lien No
16651860 2.25 1 First Lien No
16651755 2.25 1 First Lien No
16653737 2.25 1 First Lien No
16653739 2.25 1 First Lien No
16653760 2.25 1 First Lien No
16653766 2.25 1 First Lien No
16653770 2.25 1 First Lien No
16651572 2.25 1 First Lien No
16651684 2.25 1 First Lien No
16651691 2.25 1 First Lien No
16651711 2.25 1 First Lien No
16651714 2.25 1 First Lien No
16651325 2.25 1 First Lien No
16651328 2.25 1 First Lien No
16651356 2.25 1 First Lien No
16651387 2.25 1 First Lien No
16651402 2.25 1 First Lien No
16651406 2.25 1 First Lien No
16651429 2.25 1 First Lien No
16651205 2.25 1 First Lien No
16651206 2.25 1 First Lien No
16651210 2.25 1 First Lien No
16651211 2.25 1 First Lien No
16651223 2.25 1 First Lien No
16651226 3 1 First Lien No
16651493 2.25 1 First Lien No
16696375 2.25 1 First Lien No
16656970 2.25 1 First Lien No
16658540 2.75 1 First Lien No
16658595 2.25 1 First Lien No
16658615 2.25 1 First Lien No
16658671 2.25 1 First Lien No
16658857 2.25 1 First Lien No
16658918 2.25 1 First Lien No
16658935 2.25 1 First Lien No
16658978 2.25 1 First Lien No
16659008 2.25 1 First Lien No
16659138 2.25 1 First Lien No
16659270 2.25 1 First Lien No
16659276 2.25 1 First Lien No
16659351 2.25 1 First Lien No
16659359 2.25 1 First Lien No
16662063 2.25 1 First Lien No
16662075 2.25 1 First Lien No
16662131 2.25 1 First Lien No
16662155 2.75 1 First Lien No
16662270 2.25 1 First Lien No
16662335 2.25 1 First Lien No
16662345 2.25 1 First Lien No
16662416 2.25 1 First Lien No
16662477 2.25 1 First Lien No
16662544 2.25 1 First Lien No
16662697 2.25 1 First Lien No
16662744 2.25 1 First Lien No
16662839 2.25 1 First Lien No
16663831 2.25 1 First Lien No
16663907 2.25 1 First Lien No
16663963 2.25 1 First Lien No
16664005 2.25 1 First Lien No
16664103 2.25 1 First Lien No
16664108 2.25 1 First Lien No
16664159 2.25 1 First Lien No
16664306 2.25 1 First Lien No
16666007 2.25 1 First Lien No
16670284 2.25 1 First Lien No
16670329 2.25 1 First Lien No
16670342 2.25 1 First Lien No
16670440 2.25 1 First Lien No
16670475 2.25 1 First Lien No
16670542 2.25 1 First Lien No
16670552 2.25 1 First Lien No
16672572 2.25 1 First Lien No
16673983 2.25 1 First Lien No
16673987 2.25 1 First Lien No
16673992 2.25 1 First Lien No
16673993 2.25 1 First Lien No
16673998 2.25 1 First Lien No
16674001 2.25 1 First Lien No
16674003 2.25 1 First Lien No
16674010 2.25 1 First Lien No
16674382 2.25 1 First Lien No
16676603 2.25 1 First Lien No
16676764 2.25 1 First Lien No
16681646 2.25 1 First Lien No
16681659 2.25 1 First Lien No
16681685 2.25 1 First Lien No
16651109 2.25 1 First Lien No
16651113 2.25 1 First Lien No
16651114 2.25 1 First Lien No
16651116 2.25 1 First Lien No
16651124 2.25 1 First Lien No
16651129 2.25 1 First Lien No
16651145 2.25 1 First Lien No
16651187 2.25 1 First Lien No
16651195 2.25 1 First Lien No
16651077 2.25 1 First Lien No
16651079 2.25 1 First Lien No
16651083 2.25 1 First Lien No
16651087 2.25 1 First Lien No
16651092 2.25 1 First Lien No
16650148 2.25 1 First Lien No
16650299 2.25 1 First Lien No
16650306 2.25 1 First Lien No
16650311 2.25 1 First Lien No
16650318 2.25 1 First Lien No
16650325 2.25 1 First Lien No
16650329 2.25 1 First Lien No
16650344 2.25 1 First Lien No
16650406 2.25 1 First Lien No
16650409 2.25 1 First Lien No
16650437 2.25 1 First Lien No
16650449 2.25 1 First Lien No
16650197 2.25 1 First Lien No
16650210 2.25 1 First Lien No
16650221 2.25 1 First Lien No
16650637 2.25 1 First Lien No
16650294 2.25 1 First Lien No
16648493 2.25 1 First Lien No
16648501 2.25 1 First Lien No
16648507 2.25 1 First Lien No
16648511 2.25 1 First Lien No
16648601 2.25 1 First Lien No
16648610 2.25 1 First Lien No
16648614 2.25 1 First Lien No
16648517 2.25 1 First Lien No
16648531 2.25 1 First Lien No
16648642 2.25 1 First Lien No
16648658 2.25 1 First Lien No
16648678 2.25 1 First Lien No
16648687 2.25 1 First Lien No
16648696 2.25 1 First Lien No
16648697 2.25 1 First Lien No
16648710 2.25 1 First Lien No
16648795 2.25 1 First Lien No
16648859 2.25 1 First Lien No
16648979 2.25 1 First Lien No
16649007 2.25 1 First Lien No
16649013 2.25 1 First Lien No
16649018 2.25 1 First Lien No
16649235 2.25 1 First Lien No
16649236 2.25 1 First Lien No
16649901 2.25 1 First Lien No
16649990 2.25 1 First Lien No
16649992 2.25 1 First Lien No
16650041 2.25 1 First Lien No
16650085 2.25 1 First Lien No
16650093 2.25 1 First Lien No
16650127 2.25 1 First Lien No
16644187 2.25 1 First Lien No
16644241 2.25 1 First Lien No
16645952 2.25 1 First Lien No
16645960 2.25 1 First Lien No
16645976 2.25 1 First Lien No
16646025 2.25 1 First Lien No
16643907 2.25 1 First Lien No
16643933 2.25 1 First Lien No
16643943 2.25 1 First Lien No
16643951 2.25 1 First Lien No
16643961 2.25 1 First Lien No
16644016 2.25 1 First Lien No
16646098 2.25 1 First Lien No
16646117 2.25 1 First Lien No
16646148 2.25 1 First Lien No
16646150 2.25 1 First Lien No
16646153 2.25 1 First Lien No
16646154 2.25 1 First Lien No
16646172 2.25 1 First Lien No
16646216 2.25 1 First Lien No
16646222 2.25 1 First Lien No
16646248 2.25 1 First Lien No
16646273 2.25 1 First Lien No
16644036 2.25 1 First Lien No
16644044 2.25 1 First Lien No
16644059 2.25 1 First Lien No
16646322 2.25 1 First Lien No
16646325 2.25 1 First Lien No
16646331 2.25 1 First Lien No
16646333 2.25 1 First Lien No
16644078 2.25 1 First Lien No
16644080 2.25 1 First Lien No
16644107 2.25 1 First Lien No
16646444 2.25 1 First Lien No
16644158 2.25 1 First Lien No
16644162 2.25 1 First Lien No
16646453 2.25 1 First Lien No
16646469 2.25 1 First Lien No
16646473 2.25 1 First Lien No
16646492 2.25 1 First Lien No
16646507 2.25 1 First Lien No
16646520 2.25 1 First Lien No
16646567 2.25 1 First Lien No
16648429 2.25 1 First Lien No
16648450 2.25 1 First Lien No
16648473 2.25 1 First Lien No
16643691 2.25 1 First Lien No
16643747 2.25 1 First Lien No
16643771 2.25 1 First Lien No
16643775 2.25 1 First Lien No
16643805 2.25 1 First Lien No
16643809 2.25 1 First Lien No
16643819 2.25 1 First Lien No
16643821 2.25 1 First Lien No
16643827 2.25 1 First Lien No
16643835 2.25 1 First Lien No
16643838 2.25 1 First Lien No
16643841 2.25 1 First Lien No
16643845 2.25 1 First Lien No
16641391 2.25 1 First Lien No
16641410 2.25 1 First Lien No
16643558 2.25 1 First Lien No
16643622 2.25 1 First Lien No
16643672 2.25 1 First Lien No
16643681 2.25 1 First Lien No
16643685 2.25 1 First Lien No
16641304 2.25 1 First Lien No
16641307 2.25 1 First Lien No
16641311 2.25 1 First Lien No
16641321 2.25 1 First Lien No
16641325 2.25 1 First Lien No
16641330 2.25 1 First Lien No
16638609 2.25 1 First Lien No
16638695 2.25 1 First Lien No
16638726 2.25 1 First Lien No
16638728 2.25 1 First Lien No
16638780 2.25 1 First Lien No
16638789 2.25 1 First Lien No
16638800 2.25 1 First Lien No
16638804 2.25 1 First Lien No
16638836 2.25 1 First Lien No
16638873 2.25 1 First Lien No
16638882 2.25 1 First Lien No
16638931 2.25 1 First Lien No
16638934 2.25 1 First Lien No
16638939 2.25 1 First Lien No
16638505 2.25 1 First Lien No
16638949 2.25 1 First Lien No
16638954 2.25 1 First Lien No
16638984 2.25 1 First Lien No
16640652 2.25 1 First Lien No
16640678 2.25 1 First Lien No
16640682 2.25 1 First Lien No
16640702 2.25 1 First Lien No
16640707 2.25 1 First Lien No
16640721 2.25 1 First Lien No
16640742 2.25 1 First Lien No
16640810 2.25 1 First Lien No
16640836 2.25 1 First Lien No
16640839 2.25 1 First Lien No
16640853 2.25 1 First Lien No
16640863 2.25 1 First Lien No
16640867 2.25 1 First Lien No
16640877 2.25 1 First Lien No
16640882 2.25 1 First Lien No
16640899 2.25 1 First Lien No
16640911 2.25 1 First Lien No
16640942 2.25 1 First Lien No
16640945 2.25 1 First Lien No
16640954 2.25 1 First Lien No
16640958 2.25 1 First Lien No
16640979 2.25 1 First Lien No
16641006 2.25 1 First Lien No
16641101 2.25 1 First Lien No
16641105 2.25 1 First Lien No
16641144 2.25 1 First Lien No
16641190 2.25 1 First Lien No
16641199 2.25 1 First Lien No
16641219 2.25 1 First Lien No
16641237 2.25 1 First Lien No
16638573 2.25 1 First Lien No
16641262 2.25 1 First Lien No
16641287 2.25 1 First Lien No
16633083 2.25 1 First Lien No
16633153 2.25 1 First Lien No
16633156 2.25 1 First Lien No
16633165 2.25 1 First Lien No
16633185 2.25 1 First Lien No
16634211 2.25 1 First Lien No
16634220 2.25 1 First Lien No
16634260 2.25 1 First Lien No
16634274 2.25 1 First Lien No
16634284 2.25 1 First Lien No
16634285 2.25 1 First Lien No
16633044 2.25 1 First Lien No
16633050 2.25 1 First Lien No
16633061 3 1 First Lien No
16633062 2.25 1 First Lien No
16633065 2.25 1 First Lien No
16633066 2.25 1 First Lien No
16634307 2.25 1 First Lien No
16634319 2.25 1 First Lien No
16634330 2.25 1 First Lien No
16634345 2.25 1 First Lien No
16634362 2.25 1 First Lien No
16634367 2.25 1 First Lien No
16634375 2.25 1 First Lien No
16634385 2.25 1 First Lien No
16634424 2.25 1 First Lien No
16634425 2.25 1 First Lien No
16634432 2.25 1 First Lien No
16634460 2.25 1 First Lien No
16634527 2.25 1 First Lien No
16634562 2.25 1 First Lien No
16634578 2.25 1 First Lien No
16634603 2.25 1 First Lien No
16634612 2.25 1 First Lien No
16634624 2.25 1 First Lien No
16634661 2.25 1 First Lien No
16634695 2.25 1 First Lien No
16634728 2.25 1 First Lien No
16634744 2.25 1 First Lien No
16634783 2.25 1 First Lien No
16634833 2.25 1 First Lien No
16638171 2.25 1 First Lien No
16638190 2.25 1 First Lien No
16638211 2.25 1 First Lien No
16638340 2.25 1 First Lien No
16638342 2.25 1 First Lien No
16638373 2.25 1 First Lien No
16638375 2.25 1 First Lien No
16638381 2.75 1 First Lien No
16638382 2.25 1 First Lien No
16638390 2.25 1 First Lien No
16638400 2.25 1 First Lien No
16638403 2.25 1 First Lien No
16638420 2.25 1 First Lien No
16638428 2.25 1 First Lien No
16638435 2.25 1 First Lien No
16638445 2.25 1 First Lien No
16638476 2.25 1 First Lien No
16638486 2.25 1 First Lien No
16638487 2.25 1 First Lien No
16638501 2.25 1 First Lien No
16632999 2.25 1 First Lien No
16633004 2.25 1 First Lien No
16632857 2.25 1 First Lien No
16632984 2.25 1 First Lien No
16632985 2.25 1 First Lien No
16628769 2.25 1 First Lien No
16628783 2.25 1 First Lien No
16628789 2.25 1 First Lien No
16628794 2.25 1 First Lien No
16628795 2.25 1 First Lien No
16628812 2.25 1 First Lien No
16628821 2.25 1 First Lien No
16628828 2.25 1 First Lien No
16628843 2.25 1 First Lien No
16628858 2.25 1 First Lien No
16628907 2.25 1 First Lien No
16628946 2.25 1 First Lien No
16628690 2.25 1 First Lien No
16628963 2.25 1 First Lien No
16628999 2.25 1 First Lien No
16629005 2.25 1 First Lien No
16629009 2.25 1 First Lien No
16629019 2.25 1 First Lien No
16629026 2.25 1 First Lien No
16629028 2.25 1 First Lien No
16629031 2.25 1 First Lien No
16629056 2.25 1 First Lien No
16629066 2.25 1 First Lien No
16629068 2.25 1 First Lien No
16629113 2.25 1 First Lien No
16629123 2.25 1 First Lien No
16629148 2.25 1 First Lien No
16629167 2.25 1 First Lien No
16628745 2.25 1 First Lien No
16629178 2.25 1 First Lien No
16629184 2.25 1 First Lien No
16629200 2.25 1 First Lien No
16629220 2.25 1 First Lien No
16629242 2.25 1 First Lien No
16629251 2.25 1 First Lien No
16629258 2.25 1 First Lien No
16629288 2.25 1 First Lien No
16629304 2.25 1 First Lien No
16629331 2.25 1 First Lien No
16632258 2.25 1 First Lien No
16632283 2.25 1 First Lien No
16632311 2.25 1 First Lien No
16632314 2.25 1 First Lien No
16632327 2.25 1 First Lien No
16632338 2.25 1 First Lien No
16632347 2.25 1 First Lien No
16632367 2.25 1 First Lien No
16632371 2.25 1 First Lien No
16632474 2.25 1 First Lien No
16632571 2.25 1 First Lien No
16632646 2.25 1 First Lien No
16632647 2.25 1 First Lien No
16632670 2.25 1 First Lien No
16632683 2.25 1 First Lien No
16632748 2.25 1 First Lien No
16632832 2.25 1 First Lien No
16616320 2.25 1 First Lien No
16616325 2.25 1 First Lien No
16616471 2.25 1 First Lien No
16616494 2.25 1 First Lien No
16616559 2.25 1 First Lien No
16616413 2.25 1 First Lien No
16616462 2.25 1 First Lien No
16616586 2.25 1 First Lien No
16616644 2.25 1 First Lien No
16611647 2.25 1 First Lien No
16611652 2.25 1 First Lien No
16611758 2.25 1 First Lien No
16611794 2.25 1 First Lien No
16611822 2.25 1 First Lien No
16611831 2.25 1 First Lien No
16611837 2.25 1 First Lien No
16611844 2.25 1 First Lien No
16611879 2.25 1 First Lien No
16611897 2.25 1 First Lien No
16611912 2.25 1 First Lien No
16611914 2.25 1 First Lien No
16611923 2.25 1 First Lien No
16611938 2.25 1 First Lien No
16611947 2.25 1 First Lien No
16612696 2.25 1 First Lien No
16612740 2.25 1 First Lien No
16612752 2.25 1 First Lien No
16612767 2.25 1 First Lien No
16612775 2.25 1 First Lien No
16612777 2.25 1 First Lien No
16612804 2.25 1 First Lien No
16612811 2.25 1 First Lien No
16612826 2.25 1 First Lien No
16612829 2.25 1 First Lien No
16612842 2.25 1 First Lien No
16612846 2.25 1 First Lien No
16612874 2.25 1 First Lien No
16612923 2.25 1 First Lien No
16612949 2.25 1 First Lien No
16612972 2.25 1 First Lien No
16612993 2.25 1 First Lien No
16613002 2.25 1 First Lien No
16613092 2.25 1 First Lien No
16613107 2.25 1 First Lien No
16613108 2.25 1 First Lien No
16613118 2.25 1 First Lien No
16613188 2.25 1 First Lien No
16613199 2.25 1 First Lien No
16613202 2.25 1 First Lien No
16613217 2.25 1 First Lien No
16613231 2.25 1 First Lien No
16613259 2.25 1 First Lien No
16613281 2.25 1 First Lien No
16613289 2.25 1 First Lien No
16613293 2.25 1 First Lien No
16613295 2.25 1 First Lien No
16613303 2.25 1 First Lien No
16616016 2.25 1 First Lien No
16616017 2.25 1 First Lien No
16616019 2.25 1 First Lien No
16616081 2.25 1 First Lien No
16616089 2.25 1 First Lien No
16616136 2.25 1 First Lien No
16616155 2.25 1 First Lien No
16616168 2.25 1 First Lien No
16616199 2.25 1 First Lien No
16616218 2.25 1 First Lien No
16616261 5.42 1 First Lien No
16616270 2.25 1 First Lien No
16616282 2.25 1 First Lien No
16616284 2.25 1 First Lien No
16546182 2.25 1 First Lien No
16546322 2.25 1 First Lien No
16544375 2.25 1 First Lien No
16545158 2.25 1 First Lien No
16468666 2.25 1 First Lien No
16468073 2.25 1 First Lien No
16468277 2.25 1 First Lien No
16420112 2.25 1 First Lien No
16568772 2.25 1 First Lien No
16565075 2.25 1 First Lien No
16567579 2.25 1 First Lien No
16567581 2.25 1 First Lien No
16567635 2.25 1 First Lien No
16567651 2.25 1 First Lien No
16563279 2.25 1 First Lien No
16563286 2.25 1 First Lien No
16564441 2.25 1 First Lien No
16564456 2.25 1 First Lien No
16564519 2.25 1 First Lien No
16563266 2.25 1 First Lien No
16688262 2.25 1 First Lien No
16688090 2.25 1 First Lien No
16688091 2.25 1 First Lien No
16688093 2.25 1 First Lien No
16688323 2.25 1 First Lien No
16688132 2.25 1 First Lien No
16688134 2.25 1 First Lien No
16688142 2.25 1 First Lien No
16688175 2.25 1 First Lien No
16688180 2.25 1 First Lien No
16404249 2.25 1 First Lien No
16403929 2.25 1 First Lien No
16393936 2.25 1 First Lien No
16390321 2.25 1 First Lien No
LOAN_SEQ IO_FLAG IO_PERIOD HYBRID_PERIOD AMORT_TERM1
16611603 YES 10YRIO 60 360
16359531 YES 10YRIO 60 360
16419779 YES 10YRIO 60 360
16419798 YES 10YRIO 60 360
16419821 YES 10YRIO 60 360
16419838 YES 10YRIO 60 360
16419866 YES 10YRIO 60 360
16419879 YES 10YRIO 60 360
16400134 YES 10YRIO 60 360
16540023 YES 10YRIO 60 360
16394551 YES 10YRIO 60 360
16543509 YES 10YRIO 60 360
16545858 YES 10YRIO 60 360
16548392 YES 10YRIO 60 360
16548421 YES 10YRIO 60 360
16567196 YES 10YRIO 60 360
16567279 YES 10YRIO 60 360
16568545 YES 10YRIO 60 360
16568548 YES 10YRIO 60 360
16568470 YES 10YRIO 60 360
16568613 YES 10YRIO 60 360
16568683 YES 10YRIO 60 360
16569740 YES 10YRIO 60 360
16569767 YES 10YRIO 60 360
16571443 YES 10YRIO 60 360
16574612 YES 10YRIO 60 360
16590792 YES 10YRIO 60 360
16590800 YES 10YRIO 60 360
16574720 YES 10YRIO 60 360
16585329 YES 10YRIO 60 360
16585346 YES 10YRIO 60 360
16585353 YES 10YRIO 60 360
16594390 YES 10YRIO 60 360
16594423 YES 10YRIO 60 360
16594440 YES 10YRIO 60 360
16595890 YES 10YRIO 60 360
16596005 YES 10YRIO 60 360
16595916 YES 10YRIO 60 360
16596083 YES 10YRIO 60 360
16595904 YES 10YRIO 60 360
16597006 YES 10YRIO 60 360
16597070 YES 10YRIO 60 360
16596928 YES 10YRIO 60 360
16597105 YES 10YRIO 60 360
16599198 YES 10YRIO 60 360
16599131 YES 10YRIO 60 360
16599286 YES 10YRIO 60 360
16599292 YES 10YRIO 60 360
16599145 YES 10YRIO 60 360
16600671 YES 10YRIO 60 360
16600700 YES 10YRIO 60 360
16600595 YES 10YRIO 60 360
16601721 YES 10YRIO 60 360
16601668 YES 10YRIO 60 360
16601733 YES 10YRIO 60 360
16601768 YES 10YRIO 60 360
16601795 YES 10YRIO 60 360
16603629 YES 10YRIO 60 360
16603632 YES 10YRIO 60 360
16603634 YES 10YRIO 60 360
16603643 YES 10YRIO 60 360
16603582 YES 10YRIO 60 360
16603756 YES 10YRIO 60 360
16603767 YES 10YRIO 60 360
16603604 YES 10YRIO 60 360
16605485 YES 10YRIO 60 360
16605499 YES 10YRIO 60 360
16605516 YES 10YRIO 60 360
16605407 YES 10YRIO 60 360
16605416 YES 10YRIO 60 360
16605418 YES 10YRIO 60 360
16605430 YES 10YRIO 60 360
16605431 YES 10YRIO 60 360
16605450 YES 10YRIO 60 360
16605581 YES 10YRIO 60 360
16609360 YES 10YRIO 60 360
16609368 YES 10YRIO 60 360
16609378 YES 10YRIO 60 360
16609416 YES 10YRIO 60 360
16609288 YES 10YRIO 60 360
16609293 YES 10YRIO 60 360
16609428 YES 10YRIO 60 360
16609456 YES 10YRIO 60 360
16609460 YES 10YRIO 60 360
16609325 YES 10YRIO 60 360
16610929 YES 10YRIO 60 360
16611021 YES 10YRIO 60 360
16611038 YES 10YRIO 60 360
16611076 YES 10YRIO 60 360
16610955 YES 10YRIO 60 360
16611078 YES 10YRIO 60 360
16610958 YES 10YRIO 60 360
16610962 YES 10YRIO 60 360
16611097 YES 10YRIO 60 360
16611101 YES 10YRIO 60 360
16611115 YES 10YRIO 60 360
16611175 YES 10YRIO 60 360
16612449 YES 10YRIO 60 360
16612452 YES 10YRIO 60 360
16612397 YES 10YRIO 60 360
16612496 YES 10YRIO 60 360
16612512 YES 10YRIO 60 360
16612516 YES 10YRIO 60 360
16612517 YES 10YRIO 60 360
16612591 YES 10YRIO 60 360
16612605 YES 10YRIO 60 360
16615778 YES 10YRIO 60 360
16615849 YES 10YRIO 60 360
16615851 YES 10YRIO 60 360
16615718 YES 10YRIO 60 360
16615870 YES 10YRIO 60 360
16615877 YES 10YRIO 60 360
16615918 YES 10YRIO 60 360
16615739 YES 10YRIO 60 360
16628499 YES 10YRIO 60 360
16628501 YES 10YRIO 60 360
16628512 YES 10YRIO 60 360
16628418 YES 10YRIO 60 360
16628533 YES 10YRIO 60 360
16628545 YES 10YRIO 60 360
16628552 YES 10YRIO 60 360
16628553 YES 10YRIO 60 360
16628555 YES 10YRIO 60 360
16628451 YES 10YRIO 60 360
16628587 YES 10YRIO 60 360
16628596 YES 10YRIO 60 360
16628626 YES 10YRIO 60 360
16628631 YES 10YRIO 60 360
16628467 YES 10YRIO 60 360
16628637 YES 10YRIO 60 360
16628646 YES 10YRIO 60 360
16628648 YES 10YRIO 60 360
16631156 YES 10YRIO 60 360
16631189 YES 10YRIO 60 360
16631222 YES 10YRIO 60 360
16631245 YES 10YRIO 60 360
16631250 YES 10YRIO 60 360
16631256 YES 10YRIO 60 360
16631258 YES 10YRIO 60 360
16631267 YES 10YRIO 60 360
16630968 YES 10YRIO 60 360
16631285 YES 10YRIO 60 360
16633978 YES 10YRIO 60 360
16633987 YES 10YRIO 60 360
16633993 YES 10YRIO 60 360
16633997 YES 10YRIO 60 360
16634000 YES 10YRIO 60 360
16634003 YES 10YRIO 60 360
16634005 YES 10YRIO 60 360
16634011 YES 10YRIO 60 360
16634013 YES 10YRIO 60 360
16634018 YES 10YRIO 60 360
16634025 YES 10YRIO 60 360
16634047 YES 10YRIO 60 360
16634052 YES 10YRIO 60 360
16634065 YES 10YRIO 60 360
16633678 YES 10YRIO 60 360
16634075 YES 10YRIO 60 360
16634083 YES 10YRIO 60 360
16634085 YES 10YRIO 60 360
16633683 YES 10YRIO 60 360
16634104 YES 10YRIO 60 360
16633692 YES 10YRIO 60 360
16634126 YES 10YRIO 60 360
16634143 YES 10YRIO 60 360
16638025 YES 10YRIO 60 360
16638038 YES 10YRIO 60 360
16637957 YES 10YRIO 60 360
16638090 YES 10YRIO 60 360
16640557 YES 10YRIO 60 360
16640563 YES 10YRIO 60 360
16640428 YES 10YRIO 60 360
16640597 YES 10YRIO 60 360
16640601 YES 10YRIO 60 360
16640444 YES 10YRIO 60 360
16638114 YES 10YRIO 60 360
16638118 YES 10YRIO 60 360
16638130 YES 10YRIO 60 360
16637991 YES 10YRIO 60 360
16638002 YES 10YRIO 60 360
16638166 YES 10YRIO 60 360
16640486 YES 10YRIO 60 360
16640499 YES 10YRIO 60 360
16640500 YES 10YRIO 60 360
16640506 YES 10YRIO 60 360
16640510 YES 10YRIO 60 360
16640523 YES 10YRIO 60 360
16640547 YES 10YRIO 60 360
16640405 YES 10YRIO 60 360
16640406 YES 10YRIO 60 360
16643355 YES 10YRIO 60 360
16643357 YES 10YRIO 60 360
16643411 YES 10YRIO 60 360
16643420 YES 10YRIO 60 360
16643422 YES 10YRIO 60 360
16643424 YES 10YRIO 60 360
16643429 YES 10YRIO 60 360
16643434 YES 10YRIO 60 360
16643294 YES 10YRIO 60 360
16643397 YES 10YRIO 60 360
16643437 YES 10YRIO 60 360
16643448 YES 10YRIO 60 360
16643456 YES 10YRIO 60 360
16643459 YES 10YRIO 60 360
16643462 YES 10YRIO 60 360
16643318 YES 10YRIO 60 360
16643467 YES 10YRIO 60 360
16643488 YES 10YRIO 60 360
16643496 YES 10YRIO 60 360
16643507 YES 10YRIO 60 360
16643511 YES 10YRIO 60 360
16645772 YES 10YRIO 60 360
16645777 YES 10YRIO 60 360
16645779 YES 10YRIO 60 360
16645792 YES 10YRIO 60 360
16645710 YES 10YRIO 60 360
16645810 YES 10YRIO 60 360
16645832 YES 10YRIO 60 360
16648186 YES 10YRIO 60 360
16648075 YES 10YRIO 60 360
16648191 YES 10YRIO 60 360
16648224 YES 10YRIO 60 360
16648082 YES 10YRIO 60 360
16648249 YES 10YRIO 60 360
16648250 YES 10YRIO 60 360
16648092 YES 10YRIO 60 360
16648274 YES 10YRIO 60 360
16648300 YES 10YRIO 60 360
16648305 YES 10YRIO 60 360
16648120 YES 10YRIO 60 360
16648310 YES 10YRIO 60 360
16645856 YES 10YRIO 60 360
16645863 YES 10YRIO 60 360
16645865 YES 10YRIO 60 360
16645869 YES 10YRIO 60 360
16645893 YES 10YRIO 60 360
16649577 YES 10YRIO 60 360
16649592 YES 10YRIO 60 360
16649596 YES 10YRIO 60 360
16649597 YES 10YRIO 60 360
16649600 YES 10YRIO 60 360
16649614 YES 10YRIO 60 360
16649651 YES 10YRIO 60 360
16649657 YES 10YRIO 60 360
16649662 YES 10YRIO 60 360
16649672 YES 10YRIO 60 360
16649679 YES 10YRIO 60 360
16649681 YES 10YRIO 60 360
16649685 YES 10YRIO 60 360
16649710 YES 10YRIO 60 360
16649722 YES 10YRIO 60 360
16645920 YES 10YRIO 60 360
16645925 YES 10YRIO 60 360
16645928 YES 10YRIO 60 360
16649734 YES 10YRIO 60 360
16650933 YES 10YRIO 60 360
16650943 YES 10YRIO 60 360
16650945 YES 10YRIO 60 360
16650844 YES 10YRIO 60 360
16650946 YES 10YRIO 60 360
16650966 YES 10YRIO 60 360
16650969 YES 10YRIO 60 360
16650976 YES 10YRIO 60 360
16650866 YES 10YRIO 60 360
16650986 YES 10YRIO 60 360
16651014 YES 10YRIO 60 360
16651023 YES 10YRIO 60 360
16651036 YES 10YRIO 60 360
16651041 YES 10YRIO 60 360
16651051 YES 10YRIO 60 360
16650897 YES 10YRIO 60 360
16653436 YES 10YRIO 60 360
16653550 YES 10YRIO 60 360
16653563 YES 10YRIO 60 360
16653566 YES 10YRIO 60 360
16653589 YES 10YRIO 60 360
16653601 YES 10YRIO 60 360
16653605 YES 10YRIO 60 360
16648143 YES 10YRIO 60 360
16648068 YES 10YRIO 60 360
16648158 YES 10YRIO 60 360
16648174 YES 10YRIO 60 360
16653450 YES 10YRIO 60 360
16653634 YES 10YRIO 60 360
16653647 YES 10YRIO 60 360
16653650 YES 10YRIO 60 360
16653660 YES 10YRIO 60 360
16653666 YES 10YRIO 60 360
16653482 YES 10YRIO 60 360
16653677 YES 10YRIO 60 360
16653679 YES 10YRIO 60 360
16653689 YES 10YRIO 60 360
16653694 YES 10YRIO 60 360
16653699 YES 10YRIO 60 360
16655770 YES 10YRIO 60 360
16655774 YES 10YRIO 60 360
16655783 YES 10YRIO 60 360
16655793 YES 10YRIO 60 360
16655802 YES 10YRIO 60 360
16655806 YES 10YRIO 60 360
16655810 YES 10YRIO 60 360
16655814 YES 10YRIO 60 360
16655821 YES 10YRIO 60 360
16655825 YES 10YRIO 60 360
16655842 YES 10YRIO 60 360
16655853 YES 10YRIO 60 360
16655859 YES 10YRIO 60 360
16655868 YES 10YRIO 60 360
16655871 YES 10YRIO 60 360
16655896 YES 10YRIO 60 360
16655904 YES 10YRIO 60 360
16655908 YES 10YRIO 60 360
16655925 YES 10YRIO 60 360
16655940 YES 10YRIO 60 360
16658157 YES 10YRIO 60 360
16658162 YES 10YRIO 60 360
16658172 YES 10YRIO 60 360
16658174 YES 10YRIO 60 360
16658188 YES 10YRIO 60 360
16658229 YES 10YRIO 60 360
16658242 YES 10YRIO 60 360
16658128 YES 10YRIO 60 360
16658300 YES 10YRIO 60 360
16658306 YES 10YRIO 60 360
16658131 YES 10YRIO 60 360
16658324 YES 10YRIO 60 360
16658329 YES 10YRIO 60 360
16658336 YES 10YRIO 60 360
16661819 YES 10YRIO 60 360
16661739 YES 10YRIO 60 360
16661836 YES 10YRIO 60 360
16661879 YES 10YRIO 60 360
16661759 YES 10YRIO 60 360
16661914 YES 10YRIO 60 360
16661928 YES 10YRIO 60 360
16661930 YES 10YRIO 60 360
16661940 YES 10YRIO 60 360
16661944 YES 10YRIO 60 360
16663570 YES 10YRIO 60 360
16663573 YES 10YRIO 60 360
16663591 YES 10YRIO 60 360
16663608 YES 10YRIO 60 360
16663449 YES 10YRIO 60 360
16663476 YES 10YRIO 60 360
16663627 YES 10YRIO 60 360
16663640 YES 10YRIO 60 360
16663643 YES 10YRIO 60 360
16663649 YES 10YRIO 60 360
16663671 YES 10YRIO 60 360
16663686 YES 10YRIO 60 360
16663689 YES 10YRIO 60 360
16665269 YES 10YRIO 60 360
16665277 YES 10YRIO 60 360
16665285 YES 10YRIO 60 360
16665298 YES 10YRIO 60 360
16665308 YES 10YRIO 60 360
16665320 YES 10YRIO 60 360
16665330 YES 10YRIO 60 360
16665337 YES 10YRIO 60 360
16665338 YES 10YRIO 60 360
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16643951 YES 10YRIO 60 360
16643961 YES 10YRIO 60 360
16644016 YES 10YRIO 60 360
16646098 YES 10YRIO 60 360
16646117 YES 10YRIO 60 360
16646148 YES 10YRIO 60 360
16646150 YES 10YRIO 60 360
16646153 YES 10YRIO 60 360
16646154 YES 10YRIO 60 360
16646172 YES 10YRIO 60 360
16646216 YES 10YRIO 60 360
16646222 YES 10YRIO 60 360
16646248 YES 10YRIO 60 360
16646273 YES 10YRIO 60 360
16644036 YES 10YRIO 60 360
16644044 YES 10YRIO 60 360
16644059 YES 10YRIO 60 360
16646322 YES 10YRIO 60 360
16646325 YES 10YRIO 60 360
16646331 YES 10YRIO 60 360
16646333 YES 10YRIO 60 360
16644078 YES 10YRIO 60 360
16644080 YES 10YRIO 60 360
16644107 YES 10YRIO 60 360
16646444 YES 10YRIO 60 360
16644158 YES 10YRIO 60 360
16644162 YES 10YRIO 60 360
16646453 YES 10YRIO 60 360
16646469 YES 10YRIO 60 360
16646473 YES 10YRIO 60 360
16646492 YES 10YRIO 60 360
16646507 YES 10YRIO 60 360
16646520 YES 10YRIO 60 360
16646567 YES 10YRIO 60 360
16648429 YES 10YRIO 60 360
16648450 YES 10YRIO 60 360
16648473 YES 10YRIO 60 360
16643691 YES 10YRIO 60 360
16643747 YES 10YRIO 60 360
16643771 YES 10YRIO 60 360
16643775 YES 10YRIO 60 360
16643805 YES 10YRIO 60 360
16643809 YES 10YRIO 60 360
16643819 YES 10YRIO 60 360
16643821 YES 10YRIO 60 360
16643827 YES 10YRIO 60 360
16643835 YES 10YRIO 60 360
16643838 YES 10YRIO 60 360
16643841 YES 10YRIO 60 360
16643845 YES 10YRIO 60 360
16641391 YES 10YRIO 60 360
16641410 YES 10YRIO 60 360
16643558 YES 10YRIO 60 360
16643622 YES 10YRIO 60 360
16643672 YES 10YRIO 60 360
16643681 YES 10YRIO 60 360
16643685 YES 10YRIO 60 360
16641304 YES 10YRIO 60 360
16641307 YES 10YRIO 60 360
16641311 YES 10YRIO 60 360
16641321 YES 10YRIO 60 360
16641325 YES 10YRIO 60 360
16641330 YES 10YRIO 60 360
16638609 YES 10YRIO 60 360
16638695 YES 10YRIO 60 360
16638726 YES 10YRIO 60 360
16638728 YES 10YRIO 60 360
16638780 YES 10YRIO 60 360
16638789 YES 10YRIO 60 360
16638800 YES 10YRIO 60 360
16638804 YES 10YRIO 60 360
16638836 YES 10YRIO 60 360
16638873 YES 10YRIO 60 360
16638882 YES 10YRIO 60 360
16638931 YES 10YRIO 60 360
16638934 YES 10YRIO 60 360
16638939 YES 10YRIO 60 360
16638505 YES 10YRIO 60 360
16638949 YES 10YRIO 60 360
16638954 YES 10YRIO 60 360
16638984 YES 10YRIO 60 360
16640652 YES 10YRIO 60 360
16640678 YES 10YRIO 60 360
16640682 YES 10YRIO 60 360
16640702 YES 10YRIO 60 360
16640707 YES 10YRIO 60 360
16640721 YES 10YRIO 60 360
16640742 YES 10YRIO 60 360
16640810 YES 10YRIO 60 360
16640836 YES 10YRIO 60 360
16640839 YES 10YRIO 60 360
16640853 YES 10YRIO 60 360
16640863 YES 10YRIO 60 360
16640867 YES 10YRIO 60 360
16640877 YES 10YRIO 60 360
16640882 YES 10YRIO 60 360
16640899 YES 10YRIO 60 360
16640911 YES 10YRIO 60 360
16640942 YES 10YRIO 60 360
16640945 YES 10YRIO 60 360
16640954 YES 10YRIO 60 360
16640958 YES 10YRIO 60 360
16640979 YES 10YRIO 60 360
16641006 YES 10YRIO 60 360
16641101 YES 10YRIO 60 360
16641105 YES 10YRIO 60 360
16641144 YES 10YRIO 60 360
16641190 YES 10YRIO 60 360
16641199 YES 10YRIO 60 360
16641219 YES 10YRIO 60 360
16641237 YES 10YRIO 60 360
16638573 YES 10YRIO 60 360
16641262 YES 10YRIO 60 360
16641287 YES 10YRIO 60 360
16633083 YES 10YRIO 60 360
16633153 YES 10YRIO 60 360
16633156 YES 10YRIO 60 360
16633165 YES 10YRIO 60 360
16633185 YES 10YRIO 60 360
16634211 YES 10YRIO 60 360
16634220 YES 10YRIO 60 360
16634260 YES 10YRIO 60 360
16634274 YES 10YRIO 60 360
16634284 YES 10YRIO 60 360
16634285 YES 10YRIO 60 360
16633044 YES 10YRIO 60 360
16633050 YES 10YRIO 60 360
16633061 YES 10YRIO 60 360
16633062 YES 10YRIO 60 360
16633065 YES 10YRIO 60 360
16633066 YES 10YRIO 60 360
16634307 YES 10YRIO 60 360
16634319 YES 10YRIO 60 360
16634330 YES 10YRIO 60 360
16634345 YES 10YRIO 60 360
16634362 YES 10YRIO 60 360
16634367 YES 10YRIO 60 360
16634375 YES 10YRIO 60 360
16634385 YES 10YRIO 60 360
16634424 YES 10YRIO 60 360
16634425 YES 10YRIO 60 360
16634432 YES 10YRIO 60 360
16634460 YES 10YRIO 60 360
16634527 YES 10YRIO 60 360
16634562 YES 10YRIO 60 360
16634578 YES 10YRIO 60 360
16634603 YES 10YRIO 60 360
16634612 YES 10YRIO 60 360
16634624 YES 10YRIO 60 360
16634661 YES 10YRIO 60 360
16634695 YES 10YRIO 60 360
16634728 YES 10YRIO 60 360
16634744 YES 10YRIO 60 360
16634783 YES 10YRIO 60 360
16634833 YES 10YRIO 60 360
16638171 YES 10YRIO 60 360
16638190 YES 10YRIO 60 360
16638211 YES 10YRIO 60 360
16638340 YES 10YRIO 60 360
16638342 YES 10YRIO 60 360
16638373 YES 10YRIO 60 360
16638375 YES 10YRIO 60 360
16638381 YES 10YRIO 60 360
16638382 YES 10YRIO 60 360
16638390 YES 10YRIO 60 360
16638400 YES 10YRIO 60 360
16638403 YES 10YRIO 60 360
16638420 YES 10YRIO 60 360
16638428 YES 10YRIO 60 360
16638435 YES 10YRIO 60 360
16638445 YES 10YRIO 60 360
16638476 YES 10YRIO 60 360
16638486 YES 10YRIO 60 360
16638487 YES 10YRIO 60 360
16638501 YES 10YRIO 60 360
16632999 YES 10YRIO 60 360
16633004 YES 10YRIO 60 360
16632857 YES 10YRIO 60 360
16632984 YES 10YRIO 60 360
16632985 YES 10YRIO 60 360
16628769 YES 10YRIO 60 360
16628783 YES 10YRIO 60 360
16628789 YES 10YRIO 60 360
16628794 YES 10YRIO 60 360
16628795 YES 10YRIO 60 360
16628812 YES 10YRIO 60 360
16628821 YES 10YRIO 60 360
16628828 YES 10YRIO 60 360
16628843 YES 10YRIO 60 360
16628858 YES 10YRIO 60 360
16628907 YES 10YRIO 60 360
16628946 YES 10YRIO 60 360
16628690 YES 10YRIO 60 360
16628963 YES 10YRIO 60 360
16628999 YES 10YRIO 60 360
16629005 YES 10YRIO 60 360
16629009 YES 10YRIO 60 360
16629019 YES 10YRIO 60 360
16629026 YES 10YRIO 60 360
16629028 YES 10YRIO 60 360
16629031 YES 10YRIO 60 360
16629056 YES 10YRIO 60 360
16629066 YES 10YRIO 60 360
16629068 YES 10YRIO 60 360
16629113 YES 10YRIO 60 360
16629123 YES 10YRIO 60 360
16629148 YES 10YRIO 60 360
16629167 YES 10YRIO 60 360
16628745 YES 10YRIO 60 360
16629178 YES 10YRIO 60 360
16629184 YES 10YRIO 60 360
16629200 YES 10YRIO 60 360
16629220 YES 10YRIO 60 360
16629242 YES 10YRIO 60 360
16629251 YES 10YRIO 60 360
16629258 YES 10YRIO 60 360
16629288 YES 10YRIO 60 360
16629304 YES 10YRIO 60 360
16629331 YES 10YRIO 60 360
16632258 YES 10YRIO 60 360
16632283 YES 10YRIO 60 360
16632311 YES 10YRIO 60 360
16632314 YES 10YRIO 60 360
16632327 YES 10YRIO 60 360
16632338 YES 10YRIO 60 360
16632347 YES 10YRIO 60 360
16632367 YES 10YRIO 60 360
16632371 YES 10YRIO 60 360
16632474 YES 10YRIO 60 360
16632571 YES 10YRIO 60 360
16632646 YES 10YRIO 60 360
16632647 YES 10YRIO 60 360
16632670 YES 10YRIO 60 360
16632683 YES 10YRIO 60 360
16632748 YES 10YRIO 60 360
16632832 YES 10YRIO 60 360
16616320 YES 10YRIO 60 360
16616325 YES 10YRIO 60 360
16616471 YES 10YRIO 60 360
16616494 YES 10YRIO 60 360
16616559 YES 10YRIO 60 360
16616413 YES 10YRIO 60 360
16616462 YES 10YRIO 60 360
16616586 YES 10YRIO 60 360
16616644 YES 10YRIO 60 360
16611647 YES 10YRIO 60 360
16611652 YES 10YRIO 60 360
16611758 YES 10YRIO 60 360
16611794 YES 10YRIO 60 360
16611822 YES 10YRIO 60 360
16611831 YES 10YRIO 60 360
16611837 YES 10YRIO 60 360
16611844 YES 10YRIO 60 360
16611879 YES 10YRIO 60 360
16611897 YES 10YRIO 60 360
16611912 YES 10YRIO 60 360
16611914 YES 10YRIO 60 360
16611923 YES 10YRIO 60 360
16611938 YES 10YRIO 60 360
16611947 YES 10YRIO 60 360
16612696 YES 10YRIO 60 360
16612740 YES 10YRIO 60 360
16612752 YES 10YRIO 60 360
16612767 YES 10YRIO 60 360
16612775 YES 10YRIO 60 360
16612777 YES 10YRIO 60 360
16612804 YES 10YRIO 60 360
16612811 YES 10YRIO 60 360
16612826 YES 10YRIO 60 360
16612829 YES 10YRIO 60 360
16612842 YES 10YRIO 60 360
16612846 YES 10YRIO 60 360
16612874 YES 10YRIO 60 360
16612923 YES 10YRIO 60 360
16612949 YES 10YRIO 60 360
16612972 YES 10YRIO 60 360
16612993 YES 10YRIO 60 360
16613002 YES 10YRIO 60 360
16613092 YES 10YRIO 60 360
16613107 YES 10YRIO 60 360
16613108 YES 10YRIO 60 360
16613118 YES 10YRIO 60 360
16613188 YES 10YRIO 60 360
16613199 YES 10YRIO 60 360
16613202 YES 10YRIO 60 360
16613217 YES 10YRIO 60 360
16613231 YES 10YRIO 60 360
16613259 YES 10YRIO 60 360
16613281 YES 10YRIO 60 360
16613289 YES 10YRIO 60 360
16613293 YES 10YRIO 60 360
16613295 YES 10YRIO 60 360
16613303 YES 10YRIO 60 360
16616016 YES 10YRIO 60 360
16616017 YES 10YRIO 60 360
16616019 YES 10YRIO 60 360
16616081 YES 10YRIO 60 360
16616089 YES 10YRIO 60 360
16616136 YES 10YRIO 60 360
16616155 YES 10YRIO 60 360
16616168 YES 10YRIO 60 360
16616199 YES 10YRIO 60 360
16616218 YES 10YRIO 60 360
16616261 YES 10YRIO 60 360
16616270 YES 10YRIO 60 360
16616282 YES 10YRIO 60 360
16616284 YES 10YRIO 60 360
16546182 YES 10YRIO 60 360
16546322 YES 10YRIO 60 360
16544375 YES 10YRIO 60 360
16545158 YES 10YRIO 60 360
16468666 YES 10YRIO 60 360
16468073 YES 10YRIO 60 360
16468277 YES 10YRIO 60 360
16420112 YES 10YRIO 60 360
16568772 YES 10YRIO 60 360
16565075 YES 10YRIO 60 360
16567579 YES 10YRIO 60 360
16567581 YES 10YRIO 60 360
16567635 YES 10YRIO 60 360
16567651 YES 10YRIO 60 360
16563279 YES 10YRIO 60 360
16563286 YES 10YRIO 60 360
16564441 YES 10YRIO 60 360
16564456 YES 10YRIO 60 360
16564519 YES 10YRIO 60 360
16563266 YES 10YRIO 60 360
16688262 YES 10YRIO 60 360
16688090 YES 10YRIO 60 360
16688091 YES 10YRIO 60 360
16688093 YES 10YRIO 60 360
16688323 YES 10YRIO 60 360
16688132 YES 10YRIO 60 360
16688134 YES 10YRIO 60 360
16688142 YES 10YRIO 60 360
16688175 YES 10YRIO 60 360
16688180 YES 10YRIO 60 360
16404249 YES 10YRIO 60 360
16403929 YES 10YRIO 60 360
16393936 YES 10YRIO 60 360
16390321 YES 10YRIO 60 360
LOAN_SEQ PORTFOLIO PREPAY PP_DESC PP_HARD_SOFT PP_HARD_TERM
___________________________________________________________________________________________________________
16611603 AFL2 Yes 36MPP Combo 12
16359531 XXXX Yes 24MPP Combo 12
16419779 XXXX Yes 36MPP Combo 12
16419798 XXXX Yes 24MPP Combo 12
16419821 XXXX Yes 24MPP Combo 12
16419838 XXXX Yes 12MPP Hard 12
16419866 XXXX Yes 12MPP Hard 12
16419879 XXXX Yes 36MPP Combo 12
16400134 XXXX Yes 12MPP Hard 12
16540023 XXXX Yes 12MPP Hard 12
16394551 XXXX Yes 36MPP Combo 12
16543509 XXXX Yes 36MPP Combo 12
16545858 XXXX No No PP NoPP 0
16548392 XXXX Yes 12MPP Hard 12
16548421 XXXX Yes 36MPP Combo 12
16567196 XXXX Yes 12MPP Hard 12
16567279 XXXX Yes 12MPP Hard 12
16568545 XXXX Yes 36MPP Combo 12
16568548 XXXX No No PP NoPP 0
16568470 XXXX Yes 36MPP Combo 12
16568613 XXXX Yes 12MPP Hard 12
16568683 XXXX Yes 36MPP Combo 12
16569740 XXXX Yes 36MPP Combo 12
16569767 XXXX Yes 36MPP Combo 12
16571443 XXXX Yes 36MPP Combo 12
16574612 XXXX Yes 36MPP Combo 12
16590792 XXXX Yes 36MPP Soft/Unk 0
16590800 XXXX Yes 36MPP Combo 12
16574720 XXXX Yes 36MPP Combo 12
16585329 XXXX Yes 36MPP Combo 12
16585346 XXXX Yes 36MPP Combo 12
16585353 XXXX Yes 36MPP Combo 12
16594390 XXXX Yes 12MPP Hard 12
16594423 XXXX No No PP NoPP 0
16594440 XXXX Yes 36MPP Combo 12
16595890 XXXX No No PP NoPP 0
16596005 XXXX Yes 36MPP Combo 12
16595916 XXXX Yes 36MPP Combo 12
16596083 XXXX Yes 36MPP Combo 12
16595904 XXXX No No PP NoPP 0
16597006 XXXX Yes 36MPP Combo 12
16597070 XXXX Yes 36MPP Combo 12
16596928 XXXX No No PP NoPP 0
16597105 XXXX Yes 36MPP Combo 12
16599198 XXXX Yes 36MPP Combo 12
16599131 XXXX Yes 36MPP Combo 12
16599286 XXXX No No PP NoPP 0
16599292 XXXX Yes 36MPP Combo 12
16599145 XXXX Yes 12MPP Hard 12
16600671 XXXX Yes 36MPP Combo 12
16600700 XXXX Yes 12MPP Hard 12
16600595 XXXX Yes 36MPP Combo 12
16601721 XXXX Yes 12MPP Hard 12
16601668 XXXX Yes 36MPP Combo 12
16601733 XXXX Yes 12MPP Hard 12
16601768 XXXX Yes 12MPP Hard 12
16601795 XXXX Yes 24MPP Combo 12
16603629 XXXX Yes 36MPP Combo 12
16603632 XXXX Yes 36MPP Combo 12
16603634 XXXX Yes 12MPP Hard 12
16603643 XXXX No No PP NoPP 0
16603582 XXXX Yes 36MPP Combo 12
16603756 XXXX No No PP NoPP 0
16603767 XXXX No No PP NoPP 0
16603604 XXXX Yes 36MPP Combo 12
16605485 XXXX Yes 36MPP Combo 12
16605499 XXXX No No PP NoPP 0
16605516 XXXX Yes 12MPP Hard 12
16605407 XXXX Yes 24MPP Combo 12
16605416 XXXX Yes 36MPP Combo 12
16605418 XXXX No No PP NoPP 0
16605430 XXXX Yes 12MPP Hard 12
16605431 XXXX Yes 36MPP Combo 12
16605450 XXXX No No PP NoPP 0
16605581 XXXX Yes 36MPP Soft/Unk 0
16609360 XXXX Yes 12MPP Hard 12
16609368 XXXX Yes 36MPP Combo 12
16609378 XXXX Yes 36MPP Combo 12
16609416 XXXX Yes 36MPP Soft/Unk 0
16609288 XXXX Yes 36MPP Combo 12
16609293 XXXX Yes 36MPP Combo 12
16609428 XXXX Yes 12MPP Hard 12
16609456 XXXX Yes 36MPP Combo 12
16609460 XXXX Yes 36MPP Combo 12
16609325 XXXX Yes 36MPP Combo 12
16610929 XXXX Yes 12MPP Hard 12
16611021 XXXX Yes 12MPP Hard 12
16611038 XXXX Yes 36MPP Combo 12
16611076 XXXX Yes 12MPP Hard 12
16610955 XXXX Yes 36MPP Combo 12
16611078 XXXX No No PP NoPP 0
16610958 XXXX Yes 36MPP Combo 12
16610962 XXXX Yes 36MPP Combo 12
16611097 XXXX Yes 36MPP Combo 12
16611101 XXXX No No PP NoPP 0
16611115 XXXX No No PP NoPP 0
16611175 XXXX Yes 36MPP Combo 12
16612449 XXXX Yes 36MPP Combo 12
16612452 XXXX Yes 36MPP Combo 12
16612397 XXXX Yes 36MPP Combo 12
16612496 XXXX No No PP NoPP 0
16612512 XXXX No No PP NoPP 0
16612516 XXXX Yes 12MPP Hard 12
16612517 XXXX Yes 36MPP Combo 12
16612591 XXXX Yes 36MPP Combo 12
16612605 XXXX Yes 36MPP Combo 12
16615778 XXXX Yes 36MPP Combo 12
16615849 XXXX Yes 12MPP Hard 12
16615851 XXXX Yes 12MPP Hard 12
16615718 XXXX Yes 12MPP Hard 12
16615870 XXXX No No PP NoPP 0
16615877 XXXX Yes 12MPP Hard 12
16615918 XXXX Yes 36MPP Combo 12
16615739 XXXX Yes 36MPP Combo 12
16628499 XXXX Yes 36MPP Combo 12
16628501 XXXX Yes 36MPP Combo 12
16628512 XXXX Yes 36MPP Combo 12
16628418 XXXX Yes 36MPP Combo 12
16628533 XXXX Yes 36MPP Soft/Unk 0
16628545 XXXX Yes 36MPP Combo 12
16628552 XXXX Yes 36MPP Combo 12
16628553 XXXX Yes 12MPP Hard 12
16628555 XXXX No No PP NoPP 0
16628451 XXXX Yes 36MPP Combo 12
16628587 XXXX Yes 12MPP Hard 12
16628596 XXXX Yes 36MPP Combo 12
16628626 XXXX Yes 12MPP Hard 12
16628631 XXXX Yes 36MPP Combo 12
16628467 XXXX Yes 24MPP Combo 12
16628637 XXXX Yes 12MPP Hard 12
16628646 XXXX No No PP NoPP 0
16628648 XXXX Yes 36MPP Combo 12
16631156 XXXX Yes 36MPP Combo 12
16631189 XXXX Yes 12MPP Hard 12
16631222 XXXX Yes 36MPP Combo 12
16631245 XXXX Yes 12MPP Hard 12
16631250 XXXX Yes 12MPP Hard 12
16631256 XXXX No No PP NoPP 0
16631258 XXXX Yes 4MPP Hard 4
16631267 XXXX Yes 36MPP Combo 12
16630968 XXXX Yes 36MPP Combo 12
16631285 XXXX Yes 12MPP Hard 12
16633978 XXXX Yes 12MPP Hard 12
16633987 XXXX Yes 36MPP Combo 12
16633993 XXXX No No PP NoPP 0
16633997 XXXX Yes 4MPP Hard 4
16634000 XXXX Yes 36MPP Combo 12
16634003 XXXX Yes 36MPP Combo 12
16634005 XXXX No No PP NoPP 0
16634011 XXXX Yes 24MPP Combo 12
16634013 XXXX Yes 36MPP Combo 12
16634018 XXXX Yes 36MPP Combo 12
16634025 XXXX Yes 12MPP Hard 12
16634047 XXXX Yes 24MPP Combo 12
16634052 XXXX No No PP NoPP 0
16634065 XXXX Yes 36MPP Combo 12
16633678 XXXX Yes 36MPP Combo 12
16634075 XXXX Yes 12MPP Hard 12
16634083 XXXX Yes 36MPP Combo 12
16634085 XXXX Yes 12MPP Hard 12
16633683 XXXX Yes 36MPP Combo 12
16634104 XXXX Yes 36MPP Combo 12
16633692 XXXX Yes 36MPP Combo 12
16634126 XXXX Yes 36MPP Combo 12
16634143 XXXX Yes 12MPP Hard 12
16638025 XXXX Yes 36MPP Combo 12
16638038 XXXX Yes 12MPP Hard 12
16637957 XXXX Yes 12MPP Hard 12
16638090 XXXX No No PP NoPP 0
16640557 XXXX Yes 36MPP Combo 12
16640563 XXXX No No PP NoPP 0
16640428 XXXX Yes 36MPP Combo 12
16640597 XXXX Yes 12MPP Hard 12
16640601 XXXX Yes 36MPP Combo 12
16640444 XXXX Yes 36MPP Combo 12
16638114 XXXX Yes 24MPP Combo 12
16638118 XXXX No No PP NoPP 0
16638130 XXXX No No PP NoPP 0
16637991 XXXX Yes 36MPP Combo 12
16638002 XXXX No No PP NoPP 0
16638166 XXXX Yes 36MPP Combo 12
16640486 XXXX Yes 36MPP Soft/Unk 0
16640499 XXXX Yes 12MPP Hard 12
16640500 XXXX Yes 36MPP Combo 12
16640506 XXXX No No PP NoPP 0
16640510 XXXX Yes 36MPP Combo 12
16640523 XXXX Yes 24MPP Combo 12
16640547 XXXX No No PP NoPP 0
16640405 XXXX Yes 36MPP Combo 12
16640406 XXXX Yes 36MPP Combo 12
16643355 XXXX No No PP NoPP 0
16643357 XXXX No No PP NoPP 0
16643411 XXXX Yes 36MPP Combo 12
16643420 XXXX Yes 36MPP Combo 12
16643422 XXXX Yes 12MPP Hard 12
16643424 XXXX Yes 36MPP Combo 12
16643429 XXXX Yes 36MPP Combo 12
16643434 XXXX Yes 36MPP Combo 12
16643294 XXXX Yes 36MPP Soft/Unk 0
16643397 XXXX Yes 12MPP Hard 12
16643437 XXXX No No PP NoPP 0
16643448 XXXX Yes 36MPP Combo 12
16643456 XXXX No No PP NoPP 0
16643459 XXXX Yes 36MPP Combo 12
16643462 XXXX Yes 36MPP Combo 12
16643318 XXXX No No PP NoPP 0
16643467 XXXX Yes 36MPP Combo 12
16643488 XXXX Yes 12MPP Hard 12
16643496 XXXX Yes 36MPP Combo 12
16643507 XXXX Yes 36MPP Combo 12
16643511 XXXX Yes 36MPP Combo 12
16645772 XXXX Yes 36MPP Combo 12
16645777 XXXX Yes 36MPP Combo 12
16645779 XXXX Yes 24MPP Combo 12
16645792 XXXX Yes 12MPP Hard 12
16645710 XXXX Yes 12MPP Hard 12
16645810 XXXX Yes 24MPP Combo 12
16645832 XXXX Yes 12MPP Hard 12
16648186 XXXX Yes 36MPP Combo 12
16648075 XXXX No No PP NoPP 0
16648191 XXXX Yes 36MPP Combo 12
16648224 XXXX Yes 12MPP Hard 12
16648082 XXXX Yes 36MPP Combo 12
16648249 XXXX No No PP NoPP 0
16648250 XXXX Yes 12MPP Hard 12
16648092 XXXX Yes 36MPP Combo 12
16648274 XXXX Yes 36MPP Combo 12
16648300 XXXX Yes 36MPP Combo 12
16648305 XXXX Yes 36MPP Combo 12
16648120 XXXX Yes 36MPP Combo 12
16648310 XXXX Yes 36MPP Combo 12
16645856 XXXX Yes 12MPP Hard 12
16645863 XXXX Yes 36MPP Combo 12
16645865 XXXX Yes 36MPP Combo 12
16645869 XXXX Yes 36MPP Combo 12
16645893 XXXX Yes 36MPP Combo 12
16649577 XXXX Yes 36MPP Combo 12
16649592 XXXX Yes 36MPP Combo 12
16649596 XXXX Yes 12MPP Hard 12
16649597 XXXX No No PP NoPP 0
16649600 XXXX Yes 4MPP Hard 4
16649614 XXXX No No PP NoPP 0
16649651 XXXX No No PP NoPP 0
16649657 XXXX Yes 36MPP Combo 12
16649662 XXXX Yes 12MPP Hard 12
16649672 XXXX Yes 24MPP Combo 12
16649679 XXXX Yes 12MPP Hard 12
16649681 XXXX Yes 12MPP Hard 12
16649685 XXXX Yes 36MPP Combo 12
16649710 XXXX Yes 36MPP Combo 12
16649722 XXXX Yes 36MPP Combo 12
16645920 XXXX Yes 36MPP Combo 12
16645925 XXXX Yes 24MPP Combo 12
16645928 XXXX Yes 36MPP Combo 12
16649734 XXXX Yes 12MPP Hard 12
16650933 XXXX Yes 24MPP Combo 12
16650943 XXXX Yes 36MPP Combo 12
16650945 XXXX Yes 36MPP Combo 12
16650844 XXXX Yes 36MPP Combo 12
16650946 XXXX No No PP NoPP 0
16650966 XXXX No No PP NoPP 0
16650969 XXXX Yes 12MPP Hard 12
16650976 XXXX Yes 36MPP Combo 12
16650866 XXXX Yes 12MPP Hard 12
16650986 XXXX No No PP NoPP 0
16651014 XXXX Yes 36MPP Combo 12
16651023 XXXX Yes 36MPP Combo 12
16651036 XXXX Yes 12MPP Hard 12
16651041 XXXX Yes 12MPP Hard 12
16651051 XXXX Yes 36MPP Combo 12
16650897 XXXX No No PP NoPP 0
16653436 XXXX Yes 24MPP Combo 12
16653550 XXXX Yes 36MPP Combo 12
16653563 XXXX Yes 36MPP Combo 12
16653566 XXXX Yes 24MPP Combo 12
16653589 XXXX Yes 36MPP Combo 12
16653601 XXXX Yes 12MPP Hard 12
16653605 XXXX Yes 36MPP Combo 12
16648143 XXXX No No PP NoPP 0
16648068 XXXX Yes 24MPP Combo 12
16648158 XXXX Yes 12MPP Hard 12
16648174 XXXX Yes 12MPP Hard 12
16653450 XXXX Yes 36MPP Combo 12
16653634 XXXX Yes 24MPP Combo 12
16653647 XXXX Yes 24MPP Combo 12
16653650 XXXX No No PP NoPP 0
16653660 XXXX Yes 36MPP Combo 12
16653666 XXXX No No PP NoPP 0
16653482 XXXX Yes 36MPP Combo 12
16653677 XXXX No No PP NoPP 0
16653679 XXXX Yes 36MPP Combo 12
16653689 XXXX Yes 24MPP Combo 12
16653694 XXXX Yes 36MPP Combo 12
16653699 XXXX Yes 36MPP Combo 12
16655770 XXXX Yes 36MPP Combo 12
16655774 XXXX Yes 12MPP Hard 12
16655783 XXXX Yes 24MPP Combo 12
16655793 XXXX No No PP NoPP 0
16655802 XXXX Yes 36MPP Combo 12
16655806 XXXX Yes 12MPP Hard 12
16655810 XXXX Yes 36MPP Combo 12
16655814 XXXX Yes 24MPP Combo 12
16655821 XXXX Yes 36MPP Combo 12
16655825 XXXX Yes 36MPP Combo 12
16655842 XXXX Yes 12MPP Hard 12
16655853 XXXX Yes 24MPP Combo 12
16655859 XXXX Yes 12MPP Hard 12
16655868 XXXX Yes 36MPP Combo 12
16655871 XXXX Yes 36MPP Combo 12
16655896 XXXX Yes 12MPP Hard 12
16655904 XXXX No No PP NoPP 0
16655908 XXXX No No PP NoPP 0
16655925 XXXX Yes 12MPP Hard 12
16655940 XXXX Yes 36MPP Combo 12
16658157 XXXX Yes 24MPP Combo 12
16658162 XXXX Yes 24MPP Combo 12
16658172 XXXX Yes 36MPP Soft/Unk 0
16658174 XXXX Yes 36MPP Combo 12
16658188 XXXX Yes 12MPP Hard 12
16658229 XXXX Yes 12MPP Hard 12
16658242 XXXX Yes 12MPP Hard 12
16658128 XXXX Yes 36MPP Combo 12
16658300 XXXX No No PP NoPP 0
16658306 XXXX Yes 36MPP Combo 12
16658131 XXXX Yes 36MPP Combo 12
16658324 XXXX Yes 36MPP Combo 12
16658329 XXXX Yes 12MPP Hard 12
16658336 XXXX Yes 36MPP Combo 12
16661819 XXXX Yes 36MPP Combo 12
16661739 XXXX Yes 36MPP Combo 12
16661836 XXXX No No PP NoPP 0
16661879 XXXX No No PP NoPP 0
16661759 XXXX Yes 36MPP Combo 12
16661914 XXXX Yes 12MPP Hard 12
16661928 XXXX Yes 12MPP Soft/Unk 0
16661930 XXXX No No PP NoPP 0
16661940 XXXX Yes 36MPP Combo 12
16661944 XXXX Yes 36MPP Combo 12
16663570 XXXX Yes 12MPP Hard 12
16663573 XXXX Yes 12MPP Hard 12
16663591 XXXX Yes 24MPP Combo 12
16663608 XXXX No No PP NoPP 0
16663449 XXXX Yes 36MPP Combo 12
16663476 XXXX Yes 36MPP Combo 12
16663627 XXXX Yes 36MPP Combo 12
16663640 XXXX Yes 36MPP Combo 12
16663643 XXXX No No PP NoPP 0
16663649 XXXX Yes 12MPP Hard 12
16663671 XXXX Yes 12MPP Hard 12
16663686 XXXX Yes 4MPP Hard 4
16663689 XXXX No No PP NoPP 0
16665269 XXXX Yes 36MPP Combo 12
16665277 XXXX No No PP NoPP 0
16665285 XXXX No No PP NoPP 0
16665298 XXXX Yes 36MPP Combo 12
16665308 XXXX Yes 36MPP Combo 12
16665320 XXXX Yes 36MPP Combo 12
16665330 XXXX Yes 36MPP Combo 12
16665337 XXXX Yes 36MPP Combo 12
16665338 XXXX Yes 36MPP Combo 12
16665341 XXXX Yes 36MPP Combo 12
16665342 XXXX Yes 36MPP Combo 12
16665390 XXXX Yes 12MPP Hard 12
16665408 XXXX Yes 12MPP Hard 12
16666579 XXXX Yes 12MPP Hard 12
16666586 XXXX Yes 24MPP Combo 12
16666608 XXXX Yes 4MPP Hard 4
16666641 XXXX Yes 36MPP Combo 12
16666649 XXXX Yes 36MPP Soft/Unk 0
16666652 XXXX Yes 12MPP Hard 12
16666669 XXXX Yes 24MPP Combo 12
16666515 XXXX No No PP NoPP 0
16666689 XXXX Yes 12MPP Hard 12
16666710 XXXX Yes 24MPP Combo 12
16666713 XXXX Yes 36MPP Combo 12
16666716 XXXX Yes 12MPP Hard 12
16670010 XXXX No No PP NoPP 0
16670012 XXXX Yes 12MPP Hard 12
16670019 XXXX Yes 12MPP Hard 12
16670051 XXXX No No PP NoPP 0
16670058 XXXX Yes 12MPP Hard 12
16670072 XXXX Yes 36MPP Combo 12
16670079 XXXX No No PP NoPP 0
16670087 XXXX Yes 36MPP Combo 12
16670092 XXXX Yes 36MPP Combo 12
16670108 XXXX Yes 36MPP Combo 12
16670112 XXXX No No PP NoPP 0
16670128 XXXX Yes 36MPP Soft/Unk 0
16670137 XXXX Yes 36MPP Combo 12
16670140 XXXX Yes 36MPP Combo 12
16670152 XXXX Yes 36MPP Combo 12
16670167 XXXX No No PP NoPP 0
16670179 XXXX Yes 24MPP Combo 12
16670191 XXXX No No PP NoPP 0
16670204 XXXX Yes 36MPP Combo 12
16670208 XXXX No No PP NoPP 0
16670235 XXXX Yes 12MPP Hard 12
16671409 XXXX No No PP NoPP 0
16671312 XXXX No No PP NoPP 0
16671434 XXXX Yes 12MPP Hard 12
16671441 XXXX Yes 36MPP Combo 12
16671452 XXXX Yes 36MPP Combo 12
16671454 XXXX No No PP NoPP 0
16671468 XXXX Yes 12MPP Hard 12
16671474 XXXX Yes 36MPP Combo 12
16671476 XXXX Yes 36MPP Combo 12
16671489 XXXX Yes 24MPP Combo 12
16671510 XXXX Yes 12MPP Hard 12
16671513 XXXX Yes 12MPP Hard 12
16671517 XXXX Yes 36MPP Combo 12
16671521 XXXX Yes 12MPP Hard 12
16674923 XXXX Yes 36MPP Combo 12
16674961 XXXX Yes 36MPP Combo 12
16674967 XXXX No No PP NoPP 0
16674997 XXXX Yes 36MPP Combo 12
16675002 XXXX Yes 24MPP Combo 12
16675020 XXXX Yes 36MPP Combo 12
16674868 XXXX Yes 36MPP Combo 12
16675064 XXXX Yes 36MPP Combo 12
16675072 XXXX No No PP NoPP 0
16676344 XXXX Yes 12MPP Hard 12
16676361 XXXX No No PP NoPP 0
16676369 XXXX Yes 12MPP Hard 12
16676372 XXXX Yes 36MPP Combo 12
16676409 XXXX Yes 36MPP Combo 12
16676415 XXXX Yes 36MPP Combo 12
16676421 XXXX Yes 24MPP Combo 12
16676456 XXXX No No PP NoPP 0
16676462 XXXX Yes 36MPP Combo 12
16676463 XXXX Yes 36MPP Combo 12
16676471 XXXX Yes 12MPP Hard 12
16679058 XXXX No No PP NoPP 0
16679064 XXXX No No PP NoPP 0
16679092 XXXX No No PP NoPP 0
16679116 XXXX Yes 4MPP Hard 4
16679132 XXXX Yes 4MPP Hard 4
16679135 XXXX Yes 12MPP Hard 12
16679150 XXXX Yes 12MPP Hard 12
16680979 XXXX Yes 36MPP Combo 12
16681004 XXXX Yes 36MPP Combo 12
16681021 XXXX Yes 36MPP Combo 12
16681024 XXXX Yes 12MPP Hard 12
16681030 XXXX Yes 36MPP Soft/Unk 0
16681037 XXXX Yes 36MPP Combo 12
16681090 XXXX Yes 36MPP Combo 12
16681094 XXXX Yes 12MPP Hard 12
16681150 XXXX Yes 12MPP Hard 12
16681168 XXXX Yes 36MPP Combo 12
16683782 XXXX Yes 12MPP Hard 12
16683783 XXXX Yes 36MPP Combo 12
16683798 XXXX Yes 4MPP Hard 4
16683821 XXXX Yes 36MPP Combo 12
16683857 XXXX No No PP NoPP 0
16683868 XXXX Yes 36MPP Combo 12
16683878 XXXX Yes 12MPP Hard 12
16683888 XXXX Yes 36MPP Combo 12
16685507 XXXX Yes 36MPP Combo 12
16685527 XXXX Yes 36MPP Combo 12
16685532 XXXX Yes 36MPP Combo 12
16685547 XXXX Yes 12MPP Hard 12
16685551 XXXX Yes 36MPP Combo 12
16685593 XXXX No No PP NoPP 0
16685623 XXXX Yes 24MPP Combo 12
16685652 XXXX Yes 36MPP Combo 12
16687856 XXXX Yes 36MPP Combo 12
16687896 XXXX Yes 36MPP Combo 12
16687908 XXXX No No PP NoPP 0
16687911 XXXX Yes 36MPP Combo 12
16687915 XXXX Yes 36MPP Combo 12
16687987 XXXX Yes 36MPP Combo 12
16691858 XXXX Yes 12MPP Hard 12
16691890 XXXX Yes 12MPP Hard 12
16691903 XXXX Yes 36MPP Combo 12
16691906 XXXX Yes 36MPP Soft/Unk 0
16691944 XXXX Yes 36MPP Soft/Unk 0
16691949 XXXX Yes 12MPP Hard 12
16691963 XXXX Yes 12MPP Hard 12
16691979 XXXX Yes 36MPP Combo 12
16691817 XXXX Yes 36MPP Combo 12
16692023 XXXX Yes 36MPP Combo 12
16693157 XXXX No No PP NoPP 0
16693194 XXXX Yes 24MPP Combo 12
16693257 XXXX No No PP NoPP 0
16693292 XXXX Yes 12MPP Hard 12
16695783 XXXX Yes 36MPP Combo 12
16695795 XXXX No No PP NoPP 0
16695890 XXXX Yes 24MPP Combo 12
16697247 XXXX Yes 12MPP Hard 12
16697323 XXXX Yes 36MPP Soft/Unk 0
16700101 XXXX Yes 36MPP Combo 12
16700136 XXXX Yes 36MPP Combo 12
16700151 XXXX No No PP NoPP 0
16700156 XXXX Yes 12MPP Hard 12
16706248 XXXX Yes 12MPP Hard 12
16709229 XXXX Yes 12MPP Hard 12
16709260 XXXX Yes 36MPP Combo 12
16709324 XXXX Yes 12MPP Hard 12
16710597 XXXX Yes 12MPP Hard 12
16710598 XXXX Yes 12MPP Hard 12
16156005 XXXX No No PP NoPP 0
16611399 AFL2 Yes 36MPP Combo 12
16611422 AFL2 Yes 36MPP Combo 12
16611475 AFL2 Yes 36MPP Combo 12
16611516 AFL2 Yes 36MPP Combo 12
16611533 AFL2 No No PP NoPP 0
16611534 AFL2 Yes 6MPP Hard 6
16611568 AFL2 Yes 36MPP Combo 12
16611593 AFL2 Yes 36MPP Combo 12
16611594 AFL2 Yes 36MPP Combo 12
16611307 AFL2 Yes 36MPP Combo 12
16611356 AFL2 Yes 6MPP Hard 6
16611367 AFL2 Yes 36MPP Combo 12
16610026 AFL2 Yes 36MPP Combo 12
16610041 AFL2 Yes 36MPP Combo 12
16610065 AFL2 Yes 36MPP Combo 12
16610070 AFL2 Yes 36MPP Combo 12
16610126 AFL2 Yes 36MPP Combo 12
16610128 AFL2 Yes 36MPP Combo 12
16610138 AFL2 Yes 6MPP Hard 6
16610165 AFL2 Yes 36MPP Combo 12
16610224 AFL2 Yes 12MPP Hard 12
16610248 AFL2 Yes 36MPP Combo 12
16610276 AFL2 Yes 36MPP Combo 12
16610282 AFL2 No No PP NoPP 0
16610286 AFL2 Yes 36MPP Combo 12
16610290 AFL2 Yes 36MPP Combo 12
16611194 AFL2 No No PP NoPP 0
16611195 AFL2 Yes 12MPP Hard 12
16605736 AFL2 Yes 36MPP Combo 12
16605739 AFL2 Yes 12MPP Hard 12
16605746 AFL2 Yes 36MPP Combo 12
16605763 AFL2 Yes 36MPP Combo 12
16605779 AFL2 Yes 36MPP Combo 12
16605784 AFL2 Yes 36MPP Combo 12
16605793 AFL2 Yes 36MPP Combo 12
16605797 AFL2 Yes 36MPP Combo 12
16605801 AFL2 Yes 36MPP Combo 12
16605807 AFL2 Yes 36MPP Combo 12
16605828 AFL2 Yes 36MPP Combo 12
16605839 AFL2 Yes 36MPP Combo 12
16605879 AFL2 No No PP NoPP 0
16605882 AFL2 No No PP NoPP 0
16605885 AFL2 Yes 36MPP Combo 12
16605936 AFL2 No No PP NoPP 0
16606018 AFL2 No No PP NoPP 0
16606031 AFL2 No No PP NoPP 0
16606105 AFL2 Yes 36MPP Combo 12
16606123 AFL2 Yes 6MPP Hard 6
16606129 AFL2 Yes 36MPP Combo 12
16606143 AFL2 Yes 36MPP Combo 12
16606180 AFL2 Yes 36MPP Combo 12
16606194 AFL2 No No PP NoPP 0
16606200 AFL2 No No PP NoPP 0
16609606 AFL2 Yes 36MPP Combo 12
16609655 AFL2 Yes 36MPP Combo 12
16609697 AFL2 No No PP NoPP 0
16609724 AFL2 Yes 36MPP Combo 12
16609736 AFL2 Yes 36MPP Combo 12
16609742 AFL2 No No PP NoPP 0
16609758 AFL2 Yes 36MPP Combo 12
16609763 AFL2 Yes 36MPP Combo 12
16609783 AFL2 Yes 36MPP Combo 12
16609785 AFL2 No No PP NoPP 0
16609788 AFL2 No No PP NoPP 0
16609802 AFL2 Yes 36MPP Combo 12
16609853 AFL2 No No PP NoPP 0
16609863 AFL2 Yes 36MPP Combo 12
16609881 AFL2 Yes 36MPP Combo 12
16609917 AFL2 Yes 36MPP Combo 12
16609931 AFL2 Yes 12MPP Hard 12
16609944 AFL2 Yes 36MPP Combo 12
16609948 AFL2 No No PP NoPP 0
16609960 AFL2 Yes 36MPP Combo 12
16609980 AFL2 Yes 36MPP Combo 12
16609998 AFL2 Yes 36MPP Combo 12
16610001 AFL2 No No PP NoPP 0
16610008 AFL2 No No PP NoPP 0
16610018 AFL2 Yes 36MPP Combo 12
16610020 AFL2 Yes 36MPP Combo 12
16610023 AFL2 Yes 36MPP Combo 12
16602996 AFL2 No No PP NoPP 0
16602891 AFL2 Yes 6MPP Hard 6
16602904 AFL2 Yes 36MPP Combo 12
16602917 AFL2 No No PP NoPP 0
16602924 AFL2 Yes 36MPP Combo 12
16602925 AFL2 Yes 36MPP Combo 12
16602999 AFL2 Yes 36MPP Combo 12
16603002 AFL2 Yes 6MPP Hard 6
16603021 AFL2 No No PP NoPP 0
16603023 AFL2 No No PP NoPP 0
16603027 AFL2 Yes 36MPP Combo 12
16603041 AFL2 Yes 36MPP Combo 12
16603057 AFL2 Yes 36MPP Combo 12
16603094 AFL2 Yes 36MPP Combo 12
16603099 AFL2 No No PP NoPP 0
16603133 AFL2 Yes 36MPP Combo 12
16603885 AFL2 Yes 36MPP Combo 12
16603900 AFL2 Yes 36MPP Combo 12
16603917 AFL2 Yes 36MPP Combo 12
16604003 AFL2 Yes 36MPP Combo 12
16604035 AFL2 No No PP NoPP 0
16604055 AFL2 Yes 36MPP Combo 12
16604068 AFL2 No No PP NoPP 0
16604079 AFL2 No No PP NoPP 0
16604107 AFL2 Yes 36MPP Combo 12
16604136 AFL2 Yes 36MPP Combo 12
16604187 AFL2 No No PP NoPP 0
16604201 AFL2 No No PP NoPP 0
16604204 AFL2 Yes 36MPP Combo 12
16604232 AFL2 No No PP NoPP 0
16604313 AFL2 Yes 36MPP Combo 12
16604316 AFL2 Yes 36MPP Combo 12
16604320 AFL2 Yes 36MPP Combo 12
16604330 AFL2 No No PP NoPP 0
16604335 AFL2 No No PP NoPP 0
16604352 AFL2 No No PP NoPP 0
16604372 AFL2 Yes 36MPP Combo 12
16604401 AFL2 No No PP NoPP 0
16604429 AFL2 Yes 36MPP Combo 12
16604439 AFL2 Yes 36MPP Combo 12
16604448 AFL2 Yes 36MPP Combo 12
16604475 AFL2 Yes 36MPP Combo 12
16600061 AFL2 Yes 36MPP Combo 12
16600068 AFL2 Yes 36MPP Combo 12
16600806 AFL2 Yes 36MPP Combo 12
16600819 AFL2 Yes 36MPP Combo 12
16600897 AFL2 No No PP NoPP 0
16600898 AFL2 No No PP NoPP 0
16600913 AFL2 No No PP NoPP 0
16600997 AFL2 No No PP NoPP 0
16601090 AFL2 Yes 36MPP Combo 12
16601110 AFL2 Yes 36MPP Combo 12
16601121 AFL2 No No PP NoPP 0
16601186 AFL2 No No PP NoPP 0
16601191 AFL2 Yes 12MPP Hard 12
16601192 AFL2 Yes 36MPP Combo 12
16601210 AFL2 Yes 36MPP Combo 12
16601254 AFL2 Yes 36MPP Combo 12
16601268 AFL2 No No PP NoPP 0
16601271 AFL2 Yes 36MPP Combo 12
16601273 AFL2 No No PP NoPP 0
16601275 AFL2 No No PP NoPP 0
16601281 AFL2 No No PP NoPP 0
16601289 AFL2 No No PP NoPP 0
16601326 AFL2 No No PP NoPP 0
16601331 AFL2 Yes 36MPP Combo 12
16601336 AFL2 Yes 6MPP Hard 6
16601346 AFL2 Yes 36MPP Combo 12
16601355 AFL2 Yes 6MPP Hard 6
16601406 AFL2 Yes 36MPP Combo 12
16601407 AFL2 Yes 36MPP Combo 12
16601411 AFL2 Yes 36MPP Combo 12
16601417 AFL2 No No PP NoPP 0
16602646 AFL2 No No PP NoPP 0
16602672 AFL2 No No PP NoPP 0
16602673 AFL2 No No PP NoPP 0
16602681 AFL2 Yes 36MPP Combo 12
16602711 AFL2 Yes 36MPP Combo 12
16602790 AFL2 Yes 36MPP Combo 12
16602804 AFL2 Yes 36MPP Combo 12
16602824 AFL2 Yes 12MPP Hard 12
16602874 AFL2 Yes 36MPP Combo 12
16602878 AFL2 No No PP NoPP 0
16599648 AFL2 Yes 36MPP Combo 12
16599660 AFL2 Yes 36MPP Combo 12
16599661 AFL2 No No PP NoPP 0
16599681 AFL2 No No PP NoPP 0
16599751 AFL2 No No PP NoPP 0
16599837 AFL2 No No PP NoPP 0
16599865 AFL2 Yes 36MPP Combo 12
16599883 AFL2 No No PP NoPP 0
16599884 AFL2 No No PP NoPP 0
16599892 AFL2 Yes 36MPP Combo 12
16599934 AFL2 Yes 36MPP Combo 12
16600006 AFL2 Yes 12MPP Hard 12
16600012 AFL2 Yes 36MPP Combo 12
16600050 AFL2 Yes 36MPP Combo 12
16600054 AFL2 Yes 36MPP Combo 12
16599526 AFL2 Yes 36MPP Combo 12
16599553 AFL2 Yes 36MPP Combo 12
16599586 AFL2 Yes 36MPP Combo 12
16597187 AFL2 No No PP NoPP 0
16597291 AFL2 Yes 36MPP Combo 12
16597299 AFL2 No No PP NoPP 0
16597335 AFL2 Yes 36MPP Combo 12
16597348 AFL2 No No PP NoPP 0
16597392 AFL2 Yes 36MPP Combo 12
16597437 AFL2 Yes 36MPP Combo 12
16597444 AFL2 Yes 36MPP Combo 12
16597480 AFL2 Yes 36MPP Combo 12
16597498 AFL2 No No PP NoPP 0
16597514 AFL2 No No PP NoPP 0
16597566 AFL2 No No PP NoPP 0
16597614 AFL2 Yes 36MPP Combo 12
16597668 AFL2 No No PP NoPP 0
16597670 AFL2 Yes 36MPP Combo 12
16597685 AFL2 Yes 36MPP Combo 12
16597721 AFL2 Yes 6MPP Hard 6
16597722 AFL2 Yes 12MPP Hard 12
16597725 AFL2 No No PP NoPP 0
16597732 AFL2 No No PP NoPP 0
16597734 AFL2 Yes 12MPP Hard 12
16597738 AFL2 Yes 36MPP Combo 12
16597756 AFL2 No No PP NoPP 0
16597775 AFL2 Yes 6MPP Hard 6
16597809 AFL2 Yes 12MPP Hard 12
16597812 AFL2 Yes 36MPP Combo 12
16599341 AFL2 No No PP NoPP 0
16596624 AFL2 Yes 36MPP Combo 12
16596777 AFL2 Yes 36MPP Combo 12
16596781 AFL2 Yes 36MPP Combo 12
16596787 AFL2 Yes 36MPP Combo 12
16596800 AFL2 No No PP NoPP 0
16594913 AFL2 Yes 36MPP Combo 12
16594919 AFL2 No No PP NoPP 0
16594925 AFL2 Yes 12MPP Hard 12
16595053 AFL2 Yes 36MPP Combo 12
16595102 AFL2 Yes 12MPP Hard 12
16595117 AFL2 Yes 36MPP Combo 12
16595138 AFL2 Yes 36MPP Combo 12
16595153 AFL2 No No PP NoPP 0
16595231 AFL2 Yes 36MPP Combo 12
16595330 AFL2 Yes 6MPP Hard 6
16595373 AFL2 Yes 36MPP Combo 12
16595410 AFL2 Yes 36MPP Combo 12
16595416 AFL2 Yes 36MPP Combo 12
16595421 AFL2 Yes 36MPP Combo 12
16595428 AFL2 Yes 36MPP Combo 12
16595431 AFL2 No No PP NoPP 0
16595441 AFL2 Yes 36MPP Combo 12
16596135 AFL2 Yes 36MPP Combo 12
16596150 AFL2 No No PP NoPP 0
16596151 AFL2 Yes 36MPP Combo 12
16596185 AFL2 No No PP NoPP 0
16596333 AFL2 No No PP NoPP 0
16591659 AFL2 Yes 36MPP Combo 12
16591676 AFL2 No No PP NoPP 0
16591686 AFL2 No No PP NoPP 0
16596375 AFL2 Yes 36MPP Combo 12
16596379 AFL2 Yes 12MPP Hard 12
16596414 AFL2 Yes 36MPP Combo 12
16596441 AFL2 Yes 36MPP Combo 12
16596447 AFL2 Yes 36MPP Combo 12
16596476 AFL2 Yes 36MPP Combo 12
16596512 AFL2 Yes 6MPP Hard 6
16594778 AFL2 Yes 6MPP Hard 6
16594784 AFL2 Yes 36MPP Combo 12
16591280 AFL2 Yes 36MPP Combo 12
16591293 AFL2 Yes 24MPP Combo 12
16591471 AFL2 No No PP NoPP 0
16591534 AFL2 Yes 36MPP Combo 12
16591607 AFL2 Yes 36MPP Combo 12
16591619 AFL2 No No PP NoPP 0
16591322 AFL2 Yes 36MPP Combo 12
16585992 AFL2 Yes 36MPP Combo 12
16586059 AFL2 Yes 36MPP Combo 12
16586091 AFL2 Yes 36MPP Combo 12
16586101 AFL2 Yes 36MPP Combo 12
16591067 AFL2 No No PP NoPP 0
16591068 AFL2 Yes 36MPP Combo 12
16591069 AFL2 No No PP NoPP 0
16591106 AFL2 Yes 36MPP Combo 12
16591132 AFL2 Yes 36MPP Combo 12
16591194 AFL2 Yes 36MPP Combo 12
16591198 AFL2 Yes 36MPP Combo 12
16585804 AFL2 No No PP NoPP 0
16585807 AFL2 No No PP NoPP 0
16585909 AFL2 No No PP NoPP 0
16585879 AFL2 Yes 36MPP Combo 12
16585603 AFL2 No No PP NoPP 0
16585688 AFL2 Yes 36MPP Combo 12
16575253 AFL2 No No PP NoPP 0
16585441 AFL2 No No PP NoPP 0
16575301 AFL2 Yes 36MPP Combo 12
16575370 AFL2 Yes 6MPP Hard 6
16575421 AFL2 Yes 36MPP Combo 12
16575426 AFL2 Yes 36MPP Combo 12
16572052 AFL2 Yes 36MPP Combo 12
16572113 AFL2 No No PP NoPP 0
16572146 AFL2 Yes 36MPP Combo 12
16574845 AFL2 Yes 12MPP Hard 12
16575104 AFL2 Yes 36MPP Combo 12
16574967 AFL2 Yes 36MPP Combo 12
16571870 AFL2 No No PP NoPP 0
16571707 AFL2 No No PP NoPP 0
16571597 AFL2 Yes 36MPP Combo 12
16570570 AFL2 No No PP NoPP 0
16570816 AFL2 Yes 36MPP Combo 12
16568960 AFL2 Yes 36MPP Combo 12
16569071 AFL2 Yes 36MPP Combo 12
16569293 AFL2 No No PP NoPP 0
16569328 AFL2 No No PP NoPP 0
16569385 AFL2 Yes 36MPP Combo 12
16570365 AFL2 Yes 36MPP Combo 12
16549800 AFL2 No No PP NoPP 0
16549826 AFL2 No No PP NoPP 0
16693324 AFL2 No No PP NoPP 0
16693326 AFL2 Yes 36MPP Combo 12
16693327 AFL2 No No PP NoPP 0
16693353 AFL2 No No PP NoPP 0
16549418 AFL2 No No PP NoPP 0
16551706 AFL2 Yes 12MPP Hard 12
16552176 AFL2 Yes 36MPP Combo 12
16656545 AFL2 Yes 36MPP Combo 12
16656666 AFL2 Yes 6MPP Hard 6
16656255 AFL2 Yes 36MPP Combo 12
16656732 AFL2 No No PP NoPP 0
16656274 AFL2 Yes 36MPP Combo 12
16656755 AFL2 Yes 36MPP Combo 12
16656786 AFL2 Yes 36MPP Combo 12
16656305 AFL2 Yes 36MPP Combo 12
16656316 AFL2 Yes 12MPP Hard 12
16656425 AFL2 No No PP NoPP 0
16654510 AFL2 No No PP NoPP 0
16654406 AFL2 Yes 36MPP Combo 12
16655963 AFL2 Yes 36MPP Combo 12
16655995 AFL2 Yes 6MPP Hard 6
16656072 AFL2 Yes 36MPP Combo 12
16656172 AFL2 Yes 36MPP Combo 12
16656852 AFL2 Yes 36MPP Combo 12
16656853 AFL2 Yes 36MPP Combo 12
16653956 AFL2 No No PP NoPP 0
16653994 AFL2 Yes 36MPP Combo 12
16653779 AFL2 Yes 36MPP Combo 12
16653826 AFL2 Yes 36MPP Combo 12
16653834 AFL2 Yes 36MPP Combo 12
16653852 AFL2 Yes 36MPP Combo 12
16653853 AFL2 Yes 36MPP Combo 12
16654112 AFL2 No No PP NoPP 0
16654116 AFL2 No No PP NoPP 0
16654122 AFL2 Yes 36MPP Combo 12
16653861 AFL2 No No PP NoPP 0
16653863 AFL2 Yes 36MPP Combo 12
16653872 AFL2 Yes 36MPP Combo 12
16653881 AFL2 No No PP NoPP 0
16653883 AFL2 No No PP NoPP 0
16653889 AFL2 No No PP NoPP 0
16653894 AFL2 No No PP NoPP 0
16654164 AFL2 Yes 12MPP Hard 12
16654175 AFL2 Yes 36MPP Combo 12
16654176 AFL2 Yes 36MPP Combo 12
16654206 AFL2 No No PP NoPP 0
16654221 AFL2 No No PP NoPP 0
16653927 AFL2 Yes 36MPP Combo 12
16653928 AFL2 Yes 36MPP Combo 12
16653954 AFL2 Yes 6MPP Hard 6
16654352 AFL2 No No PP NoPP 0
16651793 AFL2 No No PP NoPP 0
16651796 AFL2 Yes 36MPP Combo 12
16651801 AFL2 No No PP NoPP 0
16651813 AFL2 Yes 36MPP Combo 12
16651845 AFL2 Yes 36MPP Combo 12
16651857 AFL2 Yes 36MPP Combo 12
16651860 AFL2 Yes 36MPP Combo 12
16651755 AFL2 No No PP NoPP 0
16653737 AFL2 No No PP NoPP 0
16653739 AFL2 No No PP NoPP 0
16653760 AFL2 Yes 36MPP Combo 12
16653766 AFL2 Yes 36MPP Combo 12
16653770 AFL2 No No PP NoPP 0
16651572 AFL2 Yes 36MPP Combo 12
16651684 AFL2 No No PP NoPP 0
16651691 AFL2 Yes 36MPP Combo 12
16651711 AFL2 No No PP NoPP 0
16651714 AFL2 No No PP NoPP 0
16651325 AFL2 No No PP NoPP 0
16651328 AFL2 Yes 6MPP Hard 6
16651356 AFL2 Yes 6MPP Hard 6
16651387 AFL2 No No PP NoPP 0
16651402 AFL2 Yes 36MPP Combo 12
16651406 AFL2 Yes 36MPP Combo 12
16651429 AFL2 No No PP NoPP 0
16651205 AFL2 Yes 36MPP Combo 12
16651206 AFL2 Yes 36MPP Combo 12
16651210 AFL2 Yes 12MPP Hard 12
16651211 AFL2 Yes 36MPP Combo 12
16651223 AFL2 No No PP NoPP 0
16651226 AFL2 No No PP NoPP 0
16651493 AFL2 No No PP NoPP 0
16696375 AFL2 Yes 36MPP Combo 12
16656970 AFL2 Yes 36MPP Combo 12
16658540 AFL2 Yes 36MPP Combo 12
16658595 AFL2 Yes 36MPP Combo 12
16658615 AFL2 Yes 36MPP Combo 12
16658671 AFL2 Yes 36MPP Combo 12
16658857 AFL2 No No PP NoPP 0
16658918 AFL2 No No PP NoPP 0
16658935 AFL2 No No PP NoPP 0
16658978 AFL2 No No PP NoPP 0
16659008 AFL2 No No PP NoPP 0
16659138 AFL2 Yes 36MPP Combo 12
16659270 AFL2 Yes 6MPP Hard 6
16659276 AFL2 Yes 6MPP Hard 6
16659351 AFL2 Yes 12MPP Hard 12
16659359 AFL2 Yes 36MPP Combo 12
16662063 AFL2 Yes 36MPP Combo 12
16662075 AFL2 No No PP NoPP 0
16662131 AFL2 Yes 36MPP Combo 12
16662155 AFL2 No No PP NoPP 0
16662270 AFL2 Yes 36MPP Combo 12
16662335 AFL2 Yes 36MPP Combo 12
16662345 AFL2 Yes 36MPP Combo 12
16662416 AFL2 No No PP NoPP 0
16662477 AFL2 Yes 36MPP Combo 12
16662544 AFL2 No No PP NoPP 0
16662697 AFL2 No No PP NoPP 0
16662744 AFL2 No No PP NoPP 0
16662839 AFL2 No No PP NoPP 0
16663831 AFL2 Yes 6MPP Hard 6
16663907 AFL2 Yes 36MPP Combo 12
16663963 AFL2 No No PP NoPP 0
16664005 AFL2 Yes 12MPP Hard 12
16664103 AFL2 No No PP NoPP 0
16664108 AFL2 Yes 36MPP Combo 12
16664159 AFL2 Yes 36MPP Combo 12
16664306 AFL2 No No PP NoPP 0
16666007 AFL2 Yes 36MPP Combo 12
16670284 AFL2 Yes 36MPP Combo 12
16670329 AFL2 Yes 36MPP Combo 12
16670342 AFL2 No No PP NoPP 0
16670440 AFL2 Yes 36MPP Combo 12
16670475 AFL2 No No PP NoPP 0
16670542 AFL2 No No PP NoPP 0
16670552 AFL2 No No PP NoPP 0
16672572 AFL2 No No PP NoPP 0
16673983 AFL2 No No PP NoPP 0
16673987 AFL2 No No PP NoPP 0
16673992 AFL2 No No PP NoPP 0
16673993 AFL2 No No PP NoPP 0
16673998 AFL2 No No PP NoPP 0
16674001 AFL2 No No PP NoPP 0
16674003 AFL2 No No PP NoPP 0
16674010 AFL2 No No PP NoPP 0
16674382 AFL2 Yes 36MPP Combo 12
16676603 AFL2 Yes 36MPP Combo 12
16676764 AFL2 Yes 36MPP Combo 12
16681646 AFL2 Yes 36MPP Combo 12
16681659 AFL2 Yes 36MPP Combo 12
16681685 AFL2 Yes 12MPP Hard 12
16651109 AFL2 No No PP NoPP 0
16651113 AFL2 No No PP NoPP 0
16651114 AFL2 No No PP NoPP 0
16651116 AFL2 No No PP NoPP 0
16651124 AFL2 No No PP NoPP 0
16651129 AFL2 No No PP NoPP 0
16651145 AFL2 No No PP NoPP 0
16651187 AFL2 Yes 36MPP Combo 12
16651195 AFL2 Yes 36MPP Combo 12
16651077 AFL2 No No PP NoPP 0
16651079 AFL2 No No PP NoPP 0
16651083 AFL2 Yes 36MPP Combo 12
16651087 AFL2 No No PP NoPP 0
16651092 AFL2 Yes 36MPP Combo 12
16650148 AFL2 Yes 6MPP Hard 6
16650299 AFL2 Yes 36MPP Combo 12
16650306 AFL2 Yes 36MPP Combo 12
16650311 AFL2 Yes 36MPP Combo 12
16650318 AFL2 Yes 36MPP Combo 12
16650325 AFL2 Yes 36MPP Combo 12
16650329 AFL2 Yes 36MPP Combo 12
16650344 AFL2 Yes 12MPP Hard 12
16650406 AFL2 No No PP NoPP 0
16650409 AFL2 Yes 36MPP Combo 12
16650437 AFL2 Yes 36MPP Combo 12
16650449 AFL2 Yes 36MPP Combo 12
16650197 AFL2 No No PP NoPP 0
16650210 AFL2 Yes 36MPP Combo 12
16650221 AFL2 Yes 36MPP Combo 12
16650637 AFL2 No No PP NoPP 0
16650294 AFL2 No No PP NoPP 0
16648493 AFL2 Yes 36MPP Combo 12
16648501 AFL2 Yes 36MPP Combo 12
16648507 AFL2 No No PP NoPP 0
16648511 AFL2 Yes 36MPP Combo 12
16648601 AFL2 No No PP NoPP 0
16648610 AFL2 No No PP NoPP 0
16648614 AFL2 No No PP NoPP 0
16648517 AFL2 Yes 36MPP Combo 12
16648531 AFL2 Yes 36MPP Combo 12
16648642 AFL2 No No PP NoPP 0
16648658 AFL2 No No PP NoPP 0
16648678 AFL2 Yes 36MPP Combo 12
16648687 AFL2 No No PP NoPP 0
16648696 AFL2 No No PP NoPP 0
16648697 AFL2 Yes 36MPP Combo 12
16648710 AFL2 No No PP NoPP 0
16648795 AFL2 Yes 36MPP Combo 12
16648859 AFL2 No No PP NoPP 0
16648979 AFL2 Yes 36MPP Combo 12
16649007 AFL2 No No PP NoPP 0
16649013 AFL2 Yes 36MPP Combo 12
16649018 AFL2 Yes 36MPP Combo 12
16649235 AFL2 No No PP NoPP 0
16649236 AFL2 No No PP NoPP 0
16649901 AFL2 Yes 36MPP Combo 12
16649990 AFL2 Yes 6MPP Hard 6
16649992 AFL2 Yes 6MPP Hard 6
16650041 AFL2 Yes 36MPP Combo 12
16650085 AFL2 Yes 36MPP Combo 12
16650093 AFL2 No No PP NoPP 0
16650127 AFL2 No No PP NoPP 0
16644187 AFL2 Yes 36MPP Combo 12
16644241 AFL2 Yes 36MPP Combo 12
16645952 AFL2 No No PP NoPP 0
16645960 AFL2 No No PP NoPP 0
16645976 AFL2 Yes 36MPP Combo 12
16646025 AFL2 No No PP NoPP 0
16643907 AFL2 Yes 36MPP Combo 12
16643933 AFL2 Yes 36MPP Combo 12
16643943 AFL2 Yes 36MPP Combo 12
16643951 AFL2 Yes 36MPP Combo 12
16643961 AFL2 Yes 36MPP Combo 12
16644016 AFL2 Yes 36MPP Combo 12
16646098 AFL2 No No PP NoPP 0
16646117 AFL2 Yes 36MPP Combo 12
16646148 AFL2 Yes 36MPP Combo 12
16646150 AFL2 Yes 36MPP Combo 12
16646153 AFL2 Yes 36MPP Combo 12
16646154 AFL2 Yes 12MPP Hard 12
16646172 AFL2 Yes 36MPP Combo 12
16646216 AFL2 Yes 36MPP Combo 12
16646222 AFL2 Yes 12MPP Hard 12
16646248 AFL2 Yes 36MPP Combo 12
16646273 AFL2 Yes 36MPP Combo 12
16644036 AFL2 Yes 12MPP Hard 12
16644044 AFL2 Yes 12MPP Hard 12
16644059 AFL2 Yes 36MPP Combo 12
16646322 AFL2 Yes 12MPP Hard 12
16646325 AFL2 Yes 36MPP Combo 12
16646331 AFL2 Yes 36MPP Combo 12
16646333 AFL2 No No PP NoPP 0
16644078 AFL2 Yes 36MPP Combo 12
16644080 AFL2 Yes 36MPP Combo 12
16644107 AFL2 No No PP NoPP 0
16646444 AFL2 Yes 36MPP Combo 12
16644158 AFL2 Yes 6MPP Hard 6
16644162 AFL2 Yes 36MPP Combo 12
16646453 AFL2 Yes 36MPP Combo 12
16646469 AFL2 Yes 36MPP Combo 12
16646473 AFL2 Yes 36MPP Combo 12
16646492 AFL2 No No PP NoPP 0
16646507 AFL2 Yes 36MPP Combo 12
16646520 AFL2 Yes 36MPP Combo 12
16646567 AFL2 Yes 12MPP Hard 12
16648429 AFL2 Yes 36MPP Combo 12
16648450 AFL2 Yes 36MPP Combo 12
16648473 AFL2 Yes 36MPP Combo 12
16643691 AFL2 No No PP NoPP 0
16643747 AFL2 Yes 12MPP Hard 12
16643771 AFL2 No No PP NoPP 0
16643775 AFL2 No No PP NoPP 0
16643805 AFL2 Yes 36MPP Combo 12
16643809 AFL2 No No PP NoPP 0
16643819 AFL2 No No PP NoPP 0
16643821 AFL2 Yes 36MPP Combo 12
16643827 AFL2 No No PP NoPP 0
16643835 AFL2 Yes 36MPP Combo 12
16643838 AFL2 Yes 36MPP Combo 12
16643841 AFL2 Yes 36MPP Combo 12
16643845 AFL2 No No PP NoPP 0
16641391 AFL2 No No PP NoPP 0
16641410 AFL2 Yes 36MPP Combo 12
16643558 AFL2 No No PP NoPP 0
16643622 AFL2 Yes 36MPP Combo 12
16643672 AFL2 Yes 36MPP Combo 12
16643681 AFL2 Yes 36MPP Combo 12
16643685 AFL2 No No PP NoPP 0
16641304 AFL2 Yes 12MPP Hard 12
16641307 AFL2 Yes 36MPP Combo 12
16641311 AFL2 Yes 36MPP Combo 12
16641321 AFL2 Yes 12MPP Hard 12
16641325 AFL2 Yes 36MPP Combo 12
16641330 AFL2 Yes 12MPP Hard 12
16638609 AFL2 No No PP NoPP 0
16638695 AFL2 Yes 6MPP Hard 6
16638726 AFL2 Yes 36MPP Combo 12
16638728 AFL2 No No PP NoPP 0
16638780 AFL2 No No PP NoPP 0
16638789 AFL2 Yes 36MPP Combo 12
16638800 AFL2 Yes 36MPP Combo 12
16638804 AFL2 Yes 36MPP Combo 12
16638836 AFL2 Yes 36MPP Combo 12
16638873 AFL2 No No PP NoPP 0
16638882 AFL2 Yes 36MPP Combo 12
16638931 AFL2 No No PP NoPP 0
16638934 AFL2 No No PP NoPP 0
16638939 AFL2 No No PP NoPP 0
16638505 AFL2 Yes 36MPP Combo 12
16638949 AFL2 No No PP NoPP 0
16638954 AFL2 No No PP NoPP 0
16638984 AFL2 No No PP NoPP 0
16640652 AFL2 Yes 12MPP Hard 12
16640678 AFL2 No No PP NoPP 0
16640682 AFL2 No No PP NoPP 0
16640702 AFL2 Yes 36MPP Combo 12
16640707 AFL2 No No PP NoPP 0
16640721 AFL2 Yes 12MPP Hard 12
16640742 AFL2 Yes 36MPP Combo 12
16640810 AFL2 No No PP NoPP 0
16640836 AFL2 No No PP NoPP 0
16640839 AFL2 No No PP NoPP 0
16640853 AFL2 Yes 36MPP Combo 12
16640863 AFL2 Yes 6MPP Hard 6
16640867 AFL2 Yes 12MPP Hard 12
16640877 AFL2 Yes 36MPP Combo 12
16640882 AFL2 No No PP NoPP 0
16640899 AFL2 Yes 36MPP Combo 12
16640911 AFL2 No No PP NoPP 0
16640942 AFL2 Yes 36MPP Combo 12
16640945 AFL2 Yes 36MPP Combo 12
16640954 AFL2 Yes 6MPP Hard 6
16640958 AFL2 No No PP NoPP 0
16640979 AFL2 Yes 6MPP Hard 6
16641006 AFL2 Yes 36MPP Combo 12
16641101 AFL2 Yes 36MPP Combo 12
16641105 AFL2 Yes 36MPP Combo 12
16641144 AFL2 No No PP NoPP 0
16641190 AFL2 No No PP NoPP 0
16641199 AFL2 Yes 36MPP Combo 12
16641219 AFL2 No No PP NoPP 0
16641237 AFL2 Yes 36MPP Combo 12
16638573 AFL2 Yes 36MPP Combo 12
16641262 AFL2 Yes 36MPP Combo 12
16641287 AFL2 Yes 36MPP Combo 12
16633083 AFL2 Yes 36MPP Combo 12
16633153 AFL2 No No PP NoPP 0
16633156 AFL2 Yes 36MPP Combo 12
16633165 AFL2 Yes 36MPP Combo 12
16633185 AFL2 Yes 36MPP Combo 12
16634211 AFL2 Yes 36MPP Combo 12
16634220 AFL2 Yes 12MPP Hard 12
16634260 AFL2 No No PP NoPP 0
16634274 AFL2 No No PP NoPP 0
16634284 AFL2 No No PP NoPP 0
16634285 AFL2 Yes 36MPP Combo 12
16633044 AFL2 Yes 12MPP Hard 12
16633050 AFL2 Yes 36MPP Combo 12
16633061 AFL2 Yes 36MPP Combo 12
16633062 AFL2 Yes 36MPP Combo 12
16633065 AFL2 Yes 36MPP Combo 12
16633066 AFL2 Yes 6MPP Hard 6
16634307 AFL2 Yes 36MPP Combo 12
16634319 AFL2 Yes 36MPP Combo 12
16634330 AFL2 Yes 36MPP Combo 12
16634345 AFL2 Yes 36MPP Combo 12
16634362 AFL2 Yes 36MPP Combo 12
16634367 AFL2 Yes 36MPP Combo 12
16634375 AFL2 Yes 36MPP Combo 12
16634385 AFL2 Yes 36MPP Combo 12
16634424 AFL2 Yes 36MPP Combo 12
16634425 AFL2 No No PP NoPP 0
16634432 AFL2 Yes 36MPP Combo 12
16634460 AFL2 Yes 36MPP Combo 12
16634527 AFL2 Yes 36MPP Combo 12
16634562 AFL2 Yes 12MPP Hard 12
16634578 AFL2 No No PP NoPP 0
16634603 AFL2 Yes 12MPP Hard 12
16634612 AFL2 Yes 36MPP Combo 12
16634624 AFL2 Yes 12MPP Hard 12
16634661 AFL2 Yes 6MPP Hard 6
16634695 AFL2 Yes 6MPP Hard 6
16634728 AFL2 No No PP NoPP 0
16634744 AFL2 Yes 36MPP Combo 12
16634783 AFL2 Yes 36MPP Combo 12
16634833 AFL2 Yes 36MPP Combo 12
16638171 AFL2 Yes 36MPP Combo 12
16638190 AFL2 No No PP NoPP 0
16638211 AFL2 Yes 36MPP Combo 12
16638340 AFL2 No No PP NoPP 0
16638342 AFL2 No No PP NoPP 0
16638373 AFL2 No No PP NoPP 0
16638375 AFL2 No No PP NoPP 0
16638381 AFL2 No No PP NoPP 0
16638382 AFL2 No No PP NoPP 0
16638390 AFL2 No No PP NoPP 0
16638400 AFL2 No No PP NoPP 0
16638403 AFL2 No No PP NoPP 0
16638420 AFL2 Yes 36MPP Combo 12
16638428 AFL2 No No PP NoPP 0
16638435 AFL2 No No PP NoPP 0
16638445 AFL2 Yes 36MPP Combo 12
16638476 AFL2 No No PP NoPP 0
16638486 AFL2 Yes 36MPP Combo 12
16638487 AFL2 No No PP NoPP 0
16638501 AFL2 No No PP NoPP 0
16632999 AFL2 Yes 36MPP Combo 12
16633004 AFL2 Yes 36MPP Combo 12
16632857 AFL2 No No PP NoPP 0
16632984 AFL2 No No PP NoPP 0
16632985 AFL2 Yes 36MPP Combo 12
16628769 AFL2 No No PP NoPP 0
16628783 AFL2 No No PP NoPP 0
16628789 AFL2 Yes 36MPP Combo 12
16628794 AFL2 Yes 36MPP Combo 12
16628795 AFL2 Yes 36MPP Combo 12
16628812 AFL2 Yes 36MPP Combo 12
16628821 AFL2 No No PP NoPP 0
16628828 AFL2 Yes 36MPP Combo 12
16628843 AFL2 Yes 36MPP Combo 12
16628858 AFL2 No No PP NoPP 0
16628907 AFL2 No No PP NoPP 0
16628946 AFL2 No No PP NoPP 0
16628690 AFL2 Yes 36MPP Combo 12
16628963 AFL2 No No PP NoPP 0
16628999 AFL2 No No PP NoPP 0
16629005 AFL2 Yes 36MPP Combo 12
16629009 AFL2 Yes 36MPP Combo 12
16629019 AFL2 No No PP NoPP 0
16629026 AFL2 Yes 36MPP Combo 12
16629028 AFL2 Yes 36MPP Combo 12
16629031 AFL2 Yes 36MPP Combo 12
16629056 AFL2 No No PP NoPP 0
16629066 AFL2 Yes 24MPP Combo 12
16629068 AFL2 No No PP NoPP 0
16629113 AFL2 Yes 24MPP Combo 12
16629123 AFL2 Yes 36MPP Combo 12
16629148 AFL2 No No PP NoPP 0
16629167 AFL2 Yes 36MPP Combo 12
16628745 AFL2 Yes 36MPP Combo 12
16629178 AFL2 No No PP NoPP 0
16629184 AFL2 No No PP NoPP 0
16629200 AFL2 Yes 36MPP Combo 12
16629220 AFL2 Yes 36MPP Combo 12
16629242 AFL2 Yes 12MPP Hard 12
16629251 AFL2 Yes 36MPP Combo 12
16629258 AFL2 Yes 36MPP Combo 12
16629288 AFL2 Yes 36MPP Combo 12
16629304 AFL2 Yes 36MPP Combo 12
16629331 AFL2 No No PP NoPP 0
16632258 AFL2 Yes 36MPP Combo 12
16632283 AFL2 Yes 36MPP Combo 12
16632311 AFL2 Yes 36MPP Combo 12
16632314 AFL2 No No PP NoPP 0
16632327 AFL2 No No PP NoPP 0
16632338 AFL2 No No PP NoPP 0
16632347 AFL2 No No PP NoPP 0
16632367 AFL2 No No PP NoPP 0
16632371 AFL2 No No PP NoPP 0
16632474 AFL2 Yes 36MPP Combo 12
16632571 AFL2 Yes 36MPP Combo 12
16632646 AFL2 Yes 36MPP Combo 12
16632647 AFL2 No No PP NoPP 0
16632670 AFL2 Yes 36MPP Combo 12
16632683 AFL2 Yes 36MPP Combo 12
16632748 AFL2 No No PP NoPP 0
16632832 AFL2 No No PP NoPP 0
16616320 AFL2 No No PP NoPP 0
16616325 AFL2 No No PP NoPP 0
16616471 AFL2 Yes 36MPP Combo 12
16616494 AFL2 No No PP NoPP 0
16616559 AFL2 Yes 36MPP Combo 12
16616413 AFL2 Yes 36MPP Combo 12
16616462 AFL2 Yes 36MPP Combo 12
16616586 AFL2 Yes 36MPP Combo 12
16616644 AFL2 No No PP NoPP 0
16611647 AFL2 Yes 36MPP Combo 12
16611652 AFL2 Yes 6MPP Hard 6
16611758 AFL2 Yes 12MPP Hard 12
16611794 AFL2 Yes 6MPP Hard 6
16611822 AFL2 Yes 36MPP Combo 12
16611831 AFL2 No No PP NoPP 0
16611837 AFL2 No No PP NoPP 0
16611844 AFL2 Yes 36MPP Combo 12
16611879 AFL2 Yes 36MPP Combo 12
16611897 AFL2 Yes 36MPP Combo 12
16611912 AFL2 Yes 36MPP Combo 12
16611914 AFL2 Yes 36MPP Combo 12
16611923 AFL2 Yes 36MPP Combo 12
16611938 AFL2 No No PP NoPP 0
16611947 AFL2 Yes 36MPP Combo 12
16612696 AFL2 Yes 36MPP Combo 12
16612740 AFL2 Yes 12MPP Hard 12
16612752 AFL2 Yes 36MPP Combo 12
16612767 AFL2 No No PP NoPP 0
16612775 AFL2 Yes 36MPP Combo 12
16612777 AFL2 Yes 36MPP Combo 12
16612804 AFL2 No No PP NoPP 0
16612811 AFL2 No No PP NoPP 0
16612826 AFL2 No No PP NoPP 0
16612829 AFL2 No No PP NoPP 0
16612842 AFL2 Yes 36MPP Combo 12
16612846 AFL2 No No PP NoPP 0
16612874 AFL2 No No PP NoPP 0
16612923 AFL2 Yes 36MPP Combo 12
16612949 AFL2 Yes 36MPP Combo 12
16612972 AFL2 Yes 36MPP Combo 12
16612993 AFL2 Yes 36MPP Combo 12
16613002 AFL2 No No PP NoPP 0
16613092 AFL2 Yes 6MPP Hard 6
16613107 AFL2 Yes 36MPP Combo 12
16613108 AFL2 Yes 36MPP Combo 12
16613118 AFL2 Yes 36MPP Combo 12
16613188 AFL2 No No PP NoPP 0
16613199 AFL2 No No PP NoPP 0
16613202 AFL2 Yes 6MPP Hard 6
16613217 AFL2 Yes 36MPP Combo 12
16613231 AFL2 Yes 36MPP Combo 12
16613259 AFL2 Yes 36MPP Combo 12
16613281 AFL2 No No PP NoPP 0
16613289 AFL2 Yes 36MPP Combo 12
16613293 AFL2 Yes 36MPP Combo 12
16613295 AFL2 Yes 36MPP Combo 12
16613303 AFL2 Yes 36MPP Combo 12
16616016 AFL2 No No PP NoPP 0
16616017 AFL2 Yes 36MPP Combo 12
16616019 AFL2 No No PP NoPP 0
16616081 AFL2 Yes 36MPP Combo 12
16616089 AFL2 No No PP NoPP 0
16616136 AFL2 Yes 36MPP Combo 12
16616155 AFL2 No No PP NoPP 0
16616168 AFL2 Yes 36MPP Combo 12
16616199 AFL2 Yes 12MPP Hard 12
16616218 AFL2 No No PP NoPP 0
16616261 AFL2 Yes 12MPP Hard 12
16616270 AFL2 Yes 36MPP Combo 12
16616282 AFL2 No No PP NoPP 0
16616284 AFL2 No No PP NoPP 0
16546182 AFL2 No No PP NoPP 0
16546322 AFL2 No No PP NoPP 0
16544375 AFL2 Yes 36MPP Combo 12
16545158 AFL2 Yes 6MPP Hard 6
16468666 AFL2 Yes 36MPP Combo 12
16468073 AFL2 Yes 36MPP Combo 12
16468277 AFL2 No No PP NoPP 0
16420112 AFL2 Yes 36MPP Combo 12
16568772 AFL2 No No PP NoPP 0
16565075 AFL2 No No PP NoPP 0
16567579 AFL2 Yes 36MPP Combo 12
16567581 AFL2 No No PP NoPP 0
16567635 AFL2 No No PP NoPP 0
16567651 AFL2 No No PP NoPP 0
16563279 AFL2 No No PP NoPP 0
16563286 AFL2 Yes 36MPP Combo 12
16564441 AFL2 Yes 36MPP Combo 12
16564456 AFL2 Yes 36MPP Combo 12
16564519 AFL2 Yes 36MPP Combo 12
16563266 AFL2 Yes 36MPP Combo 12
16688262 AFL2 No No PP NoPP 0
16688090 AFL2 No No PP NoPP 0
16688091 AFL2 Yes 36MPP Combo 12
16688093 AFL2 No No PP NoPP 0
16688323 AFL2 No No PP NoPP 0
16688132 AFL2 Yes 36MPP Combo 12
16688134 AFL2 No No PP NoPP 0
16688142 AFL2 No No PP NoPP 0
16688175 AFL2 No No PP NoPP 0
16688180 AFL2 No No PP NoPP 0
16404249 AFL2 No No PP NoPP 0
16403929 AFL2 No No PP NoPP 0
16393936 AFL2 No No PP NoPP 0
16390321 AFL2 No No PP NoPP 0
EXHIBIT C
[RESERVED]
EXHIBIT D
REQUEST FOR RELEASE OF DOCUMENTS
To: Xxxxx Fargo Bank, National Association
0000 00xx Xxxxxx
Xxxxxxxxxxx, Xxxxxxxxx 00000
RE: Pooling and Servicing Agreement, dated as of November 1, 2006 among Structured Asset Mortgage
Investments II Inc., as depositor, Xxxxx Fargo Bank, National Association as trustee and EMC
Mortgage Corporation, as servicer and seller, issuing Bear Xxxxxxx Mortgage Funding Trust
2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
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 TRANSFER AFFIDAVIT
Affidavit pursuant to Section
860E(e)(4) of the Internal Revenue
Code of 1986, as amended, and for
other purposes
STATE OF )
)ss:
COUNTY OF )
[NAME OF OFFICER], being first duly sworn, deposes and says:
1. That he is [Title of Officer] of [Name of Investor] (record or beneficial owner of the
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4, Class
R Certificates (the "Class R Certificates")) (the "Owner"), 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 the Owner (i) is not and will not be as of [Closing Date][date of purchase] a
"disqualified organization" within the meaning of Section 860E(e)(5) of the Internal Revenue Code of
1986, as amended (the "Code") or an "electing large partnership" within the meaning of Section 775 of
the Code, (ii) will endeavor to remain other than a disqualified organization and an electing large
partnership for so long as it retains its ownership in the Class R Certificates and (iii) is acquiring
the Class R Certificates for its own account or for the account of another Owner from which it has
received an affidavit and agreement in substantially the same form as this affidavit and agreement. (For
this purpose, a "disqualified organization" means an electing large partnership under Section 775 of the
Code, the United States, any state or political subdivision thereof, any agency or instrumentality of
any of the foregoing (other than an instrumentality all of the activities of which are subject to tax
and, except for the Federal Home Loan Mortgage Corporation, a majority of whose board of directors is
not selected by any such governmental entity) or any foreign government, international organization or
any agency or instrumentality of such foreign government or organization, any rural electric or
telephone cooperative, or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on unrelated business
taxable income).
3. That the Owner is aware (i) of the tax that would be imposed on transfers of the Class
R Certificates to disqualified organizations or electing large partnerships under the Code, that applies
to all transfers of the Class R Certificates after March 31, 1988; (ii) that such tax would be on the
transferor (or, with respect to transfers to electing large partnerships, on each such partnership), or,
if such transfer is through an agent (which person includes a broker, nominee or middleman) for a
disqualified organization, on the agent; (iii) that the person (other than with respect to transfers to
electing large partnerships) otherwise liable for the tax shall be relieved of liability for the tax if
the transferee furnishes to such person an affidavit that the transferee is not a disqualified
organization and, at the time of transfer, such person does not have actual knowledge that the affidavit
is false; and (iv) that the Class R Certificates may be "noneconomic residual interests" within the
meaning of Treasury regulations promulgated pursuant to the Code and that the transferor of a
noneconomic residual interest will remain liable for any taxes due with respect to the income on such
residual interest, unless no significant purpose of the transfer was to impede the assessment or
collection of tax.
4. That the Owner is aware of the tax imposed on a "pass-through entity" holding
the Class R Certificates if either the pass-through entity is an electing large partnership under
Section 775 of the Code or if at any time during the taxable year of the pass-through entity a
disqualified organization is the record holder of an interest in such entity. (For this purpose, a "pass
through entity" includes a regulated investment company, a real estate investment trust or common trust
fund, a partnership, trust or estate, and certain cooperatives.)
5. That the Owner is aware that the Trustee will not register the transfer of any
Class R Certificates unless the transferee, or the transferee's agent, delivers to it an affidavit and
agreement, among other things, in substantially the same form as this affidavit and agreement. The Owner
expressly agrees that it will not consummate any such transfer if it knows or believes that any of the
representations contained in such affidavit and agreement are false.
6. That the Owner has reviewed the restrictions set forth on the face of the
Class R Certificates and the provisions of Section 5.05 of the Pooling and Servicing Agreement under
which the Class R Certificates were issued. The Owner expressly agrees to be bound by and to comply with
such restrictions and provisions.
7. That the Owner consents to any additional restrictions or arrangements that
shall be deemed necessary upon advice of counsel to constitute a reasonable arrangement to ensure that
the Class R Certificates will only be owned, directly or indirectly, by an Owner that is not a
disqualified organization.
8. The Owner's Taxpayer Identification Number is # _______________.
9. This affidavit and agreement relates only to the Class R Certificates held by
the Owner and not to any other holder of the Class R Certificates. The Owner understands that the
liabilities described herein relate only to the Class R Certificates.
10. That no purpose of the Owner relating to the transfer of any of the Class R
Certificates by the Owner is or will be to impede the assessment or collection of any tax; in making
this representation, the Owner warrants that the Owner is familiar with (i) Treasury Regulation Section
1.860E-1 (c) and recent amendments thereto, effective as of August 19, 2002, and (ii) the preamble
describing the adoption of the amendments to such regulation, which is attached hereto as Exhibit 1.
11. That the Owner has no present knowledge or expectation that it will be unable
to pay any United States taxes owed by it so long as any of the Certificates remain outstanding. In this
regard, the Owner hereby represents to and for the benefit of the person from whom it acquired the Class
R Certificates that the Owner intends to pay taxes associated with holding such Class R Certificates as
they become due, fully understanding that it may incur tax liabilities in excess of any cash flows
generated by the Class R Certificates.
12. That the Owner has no present knowledge or expectation that it will become
insolvent or subject to a bankruptcy proceeding for so long as any of the Class R Certificates remain
outstanding.
13. The Owner is a citizen or resident of the United States, a corporation,
partnership or other entity created or organized in, or under the laws of, the United States or any
political subdivision thereof, or an estate or trust whose income from sources without the United States
is includable in gross income for United States federal income tax purposes regardless of its connection
with the conduct of a trade or business within the United States.
14. The Owner hereby agrees that it will not cause income from the Class R
Certificates to be attributable to a foreign permanent establishment or fixed base (within the meaning
of an applicable income tax treaty) of the Owner or another United States taxpayer.
15. (a) The Purchaser hereby certifies, represents and warrants to, and
covenants with the Company and the Trustee that the following statements in (1) or (2) are accurate:
(1) The Certificates (i) are not being acquired by, and will not
be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee
Retirement Income Security Act of 1974, as amended ("ERISA") or other retirement arrangement, including
individual retirement accounts and annuities, Xxxxx plans and bank collective investment funds and
insurance company general or separate accounts in which such plans, accounts or arrangements are
invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986
(the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan
within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R. ? 2510.3-101 or otherwise
under ERISA, and (iii) will not be transferred to any entity that is deemed to be investing plan assets
within the meaning of the DOL regulation, 29 C.F.R. ? 2510.3-101 or otherwise under ERISA;
(2) The purchase of the Certificates is permissible under applicable law,
will not constitute or result in any prohibited transaction under ERISA or Section 4975 of the Code,
will not subject the Company or the Trustee to any obligation in addition to those undertaken in the
Pooling and Servicing Agreement and, with respect to each source of funds ("Source") being used by the
Purchaser to acquire the Certificates, each of the following statements is accurate: (a) the Purchaser
is an insurance company; (b) the Source is assets of the Purchaser's "general account;" (c) the
conditions set forth in Prohibited Transaction Class Exemption ("PTCE") 95-60 issued by the DOL have
been satisfied and the purchase, holding and transfer of Certificates by or on behalf of the Purchaser
are exempt under PTCE 95-60; and (d) the amount of reserves and liabilities for such general account
contracts held by or on behalf of any Plan does not exceed 10% of the total reserves and liabilities of
such general account plus surplus as of the date hereof (for purposes of this clause, all Plans
maintained by the same employer (or affiliate thereof) or employee organization are deemed to be a
single Plan) in connection with its purchase and holding of such Certificates; or
(b) The Owner will provide the Trustee and the Company with an opinion of counsel
acceptable to and in form and substance satisfactory to the Trustee and the Company to the effect that
the purchase of the Certificates is permissible under applicable law, will not constitute or result in
any non-exempt prohibited transaction under ERISA or Section 4975 of the Code and will not subject the
Trustee or the Company to any obligation or liability (including obligations or liabilities under ERISA
or Section 4975 of the Code) in addition to those undertaken in the Pooling and Servicing Agreement.
In addition, the Owner hereby certifies, represents and warrants to, and covenants
with, the Company and the Trustee that the Owner will not transfer such Certificates to any Plan or
person unless either such Plan or person meets the requirements set forth in either (a) or (b) above.
Capitalized terms used but not defined herein shall have the meanings assigned in the
Pooling and Servicing Agreement.
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 (NON-RULE 144A)
______________,200___
Structured Asset Mortgage Investments II Inc.
000 Xxxxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
Xxxxx Fargo Bank, National Association
Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx
Xxxxxxxxxxx, Xxxxxxxxx 00000
Attention: Bear Xxxxxxx Mortgage Funding Trust 2006-AR4
Re: Bear Xxxxxxx Mortgage Funding Trust 2006-AR4
Mortgage Pass-Through Certificates, Series 2006-AR4
Ladies and Gentlemen:
______________ (the "Purchaser") intends to purchase from ______________ (the "Seller")
$_________ initial Current Principal Amount of Mortgage Pass-Through Certificates, Series 2006-AR4,
Class _____ (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling
and Servicing Agreement"), dated as of November 1, 2006 among Structured Asset Mortgage Investments II
Inc., as depositor (the "Seller"), EMC Mortgage Corporation, as servicer and seller and Xxxxx Fargo
Bank, National Association, as trustee (the "Trustee"). All terms used herein and not otherwise defined
shall have the meanings set forth in the Pooling and Servicing Agreement. The Purchaser hereby
certifies, represents and warrants to, and covenants with, the Seller and the Trustee that:
1. The Purchaser understands that (a) the Certificates have not been and
will not be registered or qualified under the Securities Act of 1933, as amended (the
"Act") or any state securities law, (b) the Seller is not required to so register or
qualify the Certificates, (c) the Certificates may be resold only if registered and
qualified pursuant to the provisions of the Act or any state securities law, or if an
exemption from such registration and qualification is available, (d) the Pooling and
Servicing Agreement contains restrictions regarding the transfer of the Certificates
and (e) the Certificates will bear a legend to the foregoing effect.
2. The Purchaser is acquiring the Certificates for its own account for
investment only and not with a view to or for sale in connection with any distribution
thereof in any manner that would violate the Act or any applicable state securities
laws.
3. The Purchaser is (a) a substantial, sophisticated institutional
investor having such knowledge and experience in financial and business matters, and,
in particular, in such matters related to securities similar to the Certificates, such
that it is capable of evaluating the merits and risks of investment in the
Certificates, (b) able to bear the economic risks of such an investment and (c) an
"accredited investor" within the meaning of Rule 501 (a) promulgated pursuant to the
Act.
4. The Purchaser has been furnished with, and has had an opportunity to
review (a) a copy of the Pooling and Servicing Agreement and (b) such other
information concerning the Certificates, the Mortgage Loans and the Seller as has been
requested by the Purchaser from the Seller or the Seller and is relevant to the
Purchaser's decision to purchase the Certificates. The Purchaser has had any
questions arising from such review answered by the Seller or the Seller to the
satisfaction of the Purchaser.
5. The Purchaser has not and will not nor has it authorized or will it
authorize any person to (a) offer, pledge, sell, dispose of or otherwise transfer any
Certificate, any interest in any Certificate or any other similar security to any
person in any manner, (b) solicit any offer to buy or to accept a pledge, disposition
of other transfer of any Certificate, any interest in any Certificate or any other
similar security from any person in any manner, (c) otherwise approach or negotiate
with respect to any Certificate, any interest in any Certificate or any other similar
security with any person in any manner, (d) make any general solicitation by means of
general advertising or in any other manner or (e) take any other action, that (as to
any of (a) through (e) above) would constitute a distribution of any Certificate under
the Act, that would render the disposition of any Certificate a violation of Section 5
of the Act or any state securities law, or that would require registration or
qualification pursuant thereto. The Purchaser will not sell or otherwise transfer any
of the Certificates, except in compliance with the provisions of the Pooling and
Servicing Agreement.
[6. The Purchaser (if the Certificate is not rated at least "BBB-" or its
equivalent by Fitch, S&P or Xxxxx'x):
(a) is not an employee benefit or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income Security Act of
1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as
amended (a "Plan"), or any other person (including an investment manager, a named
fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or
purchasing any Certificate with "plan assets" of any Plan within the meaning of the
Department of Labor ("DOL") regulation at 29 C.F.R. §2510.3-101; or
(b) is an insurance company, the source of funds to be used by it
to purchase the Certificates is an "insurance company general account" (within the
meaning of DOL Prohibited Transaction Class Exemption ("PTCE") 95-60), and the
purchase is being made in reliance upon the availability of the exemptive relief
afforded under Sections I and III of PTCE 95-60.]
In addition, the Purchaser hereby certifies, represents and warrants to, and covenants with,
the Company and the Trustee that the Purchaser will not transfer such Certificates to any Plan or person
unless such Plan or person meets the requirements set forth in either 6(a) or (b) above.
Very truly yours,
[PURCHASER]
By:_______________________________________
Name:
Title:
EXHIBIT F-2
FORM OF RULE 144A INVESTMENT REPRESENTATION
Description of Rule 144A Securities, including numbers:
____________________________________________
____________________________________________
____________________________________________
____________________________________________
The undersigned seller, as registered holder (the "Seller"), intends to transfer the
Rule 144A Securities described above to the undersigned buyer (the "Buyer").
1. In connection with such transfer and in accordance with the agreements
pursuant to which the Rule 144A Securities were issued, the Seller hereby certifies the following
facts: Neither the Seller nor anyone acting on its behalf has offered, transferred, pledged, sold or
otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other
similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of
the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from,
or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or made any general
solicitation by means of general advertising or in any other manner, or taken any other action, that
would constitute a distribution of the Rule 144A Securities under the Securities Act of 1933, as amended
(the "1933 Act"), or that would render the disposition of the Rule 144A Securities a violation of
Section 5 of the 1933 Act or require registration pursuant thereto, and that the Seller has not offered
the Rule 144A Securities to any person other than the Buyer or another "qualified institutional buyer"
as defined in Rule 144A under the 0000 Xxx.
2. The Buyer warrants and represents to, and covenants with, the Seller, the
Trustee and the Servicer (as defined to the Pooling and Servicing Agreement, dated as of November 1,
2006 (the "Agreement"), among the Company, EMC and Xxxxx Fargo Bank, National Association, as trustee
(the "Trustee")) as follows:
a. The Buyer understands that the Rule 144A Securities have not been
registered under the 1933 Act or the securities laws of any state.
b. The Buyer considers itself a substantial, sophisticated institutional
investor having such knowledge and experience in financial and business matters that it is capable
of evaluating the merits and risks of investment in the Rule 144A Securities.
c. The Buyer has been furnished with all information regarding the
Rule 144A Securities that it has requested from the Seller, the Trustee or the Servicer.
d. Neither the Buyer nor anyone acting on its behalf has offered,
transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in
the Rule 144A Securities or any other similar security to, or solicited any offer to buy or
accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the
Rule 144A Securities or any other similar security from, or otherwise approached or negotiated
with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other
similar security with, any person in any manner, or made any general solicitation by means of
general advertising or in any other manner, or taken any other action, that would constitute a
distribution of the Rule 144A Securities under the 1933 Act or that would render the
disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require
registration pursuant thereto, nor will it act, nor has it authorized or will it authorize any
person to act, in such manner with respect to the Rule 144A Securities.
e. The Buyer is a "qualified institutional buyer" as that term is
defined in Rule 144A under the 1933 Act and has completed either of the forms of certification
to that effect attached hereto as Annex 1 or Annex 2. The Buyer is aware that the sale to it
is being made in reliance on Rule 144A. The Buyer is acquiring the Rule 144A Securities for
its own account or the accounts of other qualified institutional buyers, understands that such
Rule 144A Securities may be resold, pledged or transferred only (i) to a person reasonably
believed to be a qualified institutional buyer that purchases for its own account or for the
account of a qualified institutional buyer to whom notice is given that the resale, pledge or
transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from
registration under the 1933 Act.
3. [The Buyer (if the Rule 144A Securities are not rated at least "BBB-" or its
equivalent by Fitch, S&P or Xxxxx'x):
a. is not an employee benefit or other plan subject to the prohibited
transaction provisions of the Employee Retirement Income Security Act of 1974, as amended
("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (a "Plan"), or any
other person (including an investment manager, a named fiduciary or a trustee of any Plan)
acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets"
of any Plan within the meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. §
2510.3-101; or
b. is an insurance company, the source of funds to be used by it to
purchase the Certificates is an "insurance company general account" (within the meaning of DOL
Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in
reliance upon the availability of the exemptive relief afforded under Sections I and III of
PTCE 95-60.
4.] This document may be executed in one or more counterparts and by the different
parties hereto on separate counterparts, each of which, when so executed, shall be deemed to be an
original; such counterparts, together, shall constitute one and the same document.
IN WITNESS WHEREOF, each of the parties has executed this document as of the date set
forth below.
__________________________________________ __________________________________________
Print Name of Seller Print Name of Buyer
By:_______________________________________ By:_______________________________________
Name: Name:
Title: Title:
Taxpayer Identification Taxpayer Identification:
No.______________________________________ No:_______________________________________
Date: Date:
ANNEX 1 TO EXHIBIT F-2
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Buyers Other Than Registered Investment Companies]
The undersigned hereby certifies as follows in connection with the Rule 144A
Investment Representation to which this Certification is attached:
1. As indicated below, the undersigned is the President, Chief Financial Officer,
Senior Vice President or other executive officer of the Buyer.
2. In connection with purchases by the Buyer, the Buyer is a "qualified
institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A")
because (i) the Buyer owned and/or invested on a discretionary basis
$_____________________________________ in securities (except for the excluded securities referred to
below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance
with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below.
Corporation, etc. The Buyer is a corporation (other than a bank, savings and loan association
or similar institution), Massachusetts or similar business trust, partnership, or charitable
organization described in Section 501(c)(3) of the Internal Revenue Code.
Bank. The Buyer (a) is a national bank or banking institution organized under the laws of any
State, territory or the District of Columbia, the business of which is substantially confined
to banking and is supervised by the State or territorial banking commission or similar official
or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least
$25,000,000 as demonstrated in its latest annual financial statements, a copy of which is
attached hereto.
Savings and Loan. The Buyer (a) is a savings and loan association, building and loan
association, cooperative bank, homestead association or similar institution, which is
supervised and examined by a State or Federal authority having supervision over any such
institutions or is a foreign savings and loan association or equivalent institution and (b) has
an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial
statements.
Broker-Dealer. The Buyer is a dealer registered pursuant to Section 15 of the Securities
Exchange Act of 1934.
Insurance Company. The Buyer is an insurance company whose primary and predominant business
activity is the writing of insurance or the reinsuring of risks underwritten by insurance
companies and which is subject to supervision by the insurance commissioner or a similar
official or agency of a State or territory or the District of Columbia.
State or Local Plan. The Buyer is a plan established and maintained by a State, its political
subdivisions, or any agency or instrumentality of the State or its political subdivisions, for
the benefit of its employees.
ERISA Plan. The Buyer is an employee benefit plan within the meaning of Title I of the
Employee Retirement Income Security Act of 1974.
Investment Adviser. The Buyer is an investment adviser registered under the Investment
Advisers Act of 1940.
SBIC. The Buyer is a Small Business Investment Company licensed by the U.S. Small Business
Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958.
Business Development Company. The Buyer is a business development company as defined in
Section 202(a)(22) of the Investment Advisers Act of 1940.
Trust Fund. The Buyer is a trust fund whose trustee is a bank or trust company and whose
participants are exclusively (a) plans established and maintained by a State, its political
subdivisions, or any agency or instrumentality of the State or its political subdivisions, for
the benefit of its employees, or (b) employee benefit plans within the meaning of Title I of
the Employee Retirement Income Security Act of 1974, but is not a trust fund that includes as
participants individual retirement accounts or H.R. 10 plans.
3. The term "securities" as used herein does not include (i) securities of
issuers that are affiliated with the Buyer, (ii) securities that are part of an unsold allotment to or
subscription by the Buyer, if the Buyer is a dealer, (iii) bank deposit notes and certificates of
deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a
repurchase agreement and (vii) currency, interest rate and commodity swaps.
4. For purposes of determining the aggregate amount of securities owned and/or
invested on a discretionary basis by the Buyer, the Buyer used the cost of such securities to the Buyer
and did not include any of the securities referred to in the preceding paragraph. Further, in
determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the
Buyer, but only if such subsidiaries are consolidated with the Buyer in its financial statements
prepared in accordance with generally accepted accounting principles and if the investments of such
subsidiaries are managed under the Buyer's direction. However, such securities were not included if the
Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a
reporting company under the Securities Exchange Act of 1934.
5. The Buyer acknowledges that it is familiar with Rule 144A and understands that
the seller to it and other parties related to the Certificates are relying and will continue to rely on
the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A.
______ ______ Will the Buyer be purchasing the Rule 144A
Yes No Securities only for the Buyer's own account?
6. If the answer to the foregoing question is "no", the Buyer agrees that, in
connection with any purchase of securities sold to the Buyer for the account of a third party (including
any separate account) in reliance on Rule 144A, the Buyer will only purchase for the account of a third
party that at the time is a "qualified institutional buyer" within the meaning of Rule 144A. In
addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the
Buyer has obtained a current representation letter from such third party or taken other appropriate
steps contemplated by Rule 144A to conclude that such third party independently meets the definition of
"qualified institutional buyer" set forth in Rule 144A.
7. The Buyer will notify each of the parties to which this certification is made
of any changes in the information and conclusions herein. Until such notice is given, the Buyer's
purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date of
such purchase.
_____________________________________________________
Print Name of Buyer
By:__________________________________________________
Name:
Title:
Date:________________________________________________
EXHIBIT F-3
FORM OF TRANSFEROR REPRESENTATION LETTER
_____, 20__
Structured Asset Mortgage Investments II Inc.
000 Xxxxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
MORTGAGE PASS-THROUGH CERTIFICATES
SERIES 2006-AR4
Xxxxx Fargo Bank, National Association
Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx
Xxxxxxxxxxx, Xxxxxxxxx 00000
Attention: Bear Xxxxxxx Mortgage Funding Trust 2006-AR4
Re: Mortgage Pass-Through Certificates, Series 2006-AR4
Ladies and Gentlemen:
In connection with the sale by _____________ (the "Seller") to ____________________ (the
"Purchaser") of $ __________ Initial Current Principal Amount of Mortgage Pass-Through Certificates,
Series 2006-AR4 (the "Certificates") pursuant to the Pooling and Servicing Agreement, dated as of
November 1, 2006 (the "Pooling and Servicing Agreement"), among Structured Asset Mortgage Investments II
Inc. (the "Company"), EMC Mortgage Corporation ("EMC") and Xxxxx Fargo Bank, National Association, as
trustee (the "Trustee"). The Seller hereby certifies, represents and warrants to, and covenants with,
the Company and the Trustee that:
Neither the Seller nor anyone acting on its behalf has (a) offered, pledged, sold,
disposed of or otherwise transferred any Certificate, any interest in any Certificate or any other
similar security to any person in any manner, (b) has solicited any offer to buy or to accept a pledge,
disposition or other transfer of any Certificate, any interest in any Certificate or any other similar
security from any person in any manner, (c) has otherwise approached or negotiated with respect to any
Certificate, any interest in any Certificate or any other similar security with any person in any
manner, (d) has made any general solicitation by means of general advertising or in any other manner, or
(e) has taken any other action, that (as to any of (a) through (e) above) would constitute a
distribution of the Certificates under the Securities Act of 1933 (the "Act"), that would render the
disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that
would require registration or qualification pursuant thereto. The Seller will not act, in any manner
set forth in the foregoing sentence with respect to any Certificate. The Seller has not and will not
sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the
Pooling and Servicing Agreement.
Very truly yours,
____________________________________________________
(Seller)
By:_________________________________________________
Name:
Title:
EXHIBIT G
FORM OF CUSTODIAL AGREEMENT
THIS CUSTODIAL AGREEMENT (as amended and supplemented from time to time, the
"Agreement"), dated as of November 30, 2006, by and among XXXXX FARGO BANK, NATIONAL ASSOCIATION, as
trustee (including its successors under the Pooling and Servicing Agreement defined below, the
"Trustee"), STRUCTURED ASSET MORTGAGE INVESTMENTS II INC., as company (together with any successor in
interest, the "Company"), EMC MORTGAGE CORPORATION, as servicer (together with any successor in interest
or successor under the Pooling and Servicing Agreement referred to below, the "Servicer") and XXXXX
FARGO BANK, NATIONAL ASSOCIATION, as custodian (together with any successor in interest or any successor
appointed hereunder, the "Custodian").
WITNESSETH THAT:
WHEREAS, the Company, the Servicer and the Trustee have entered into a Pooling and
Servicing Agreement, dated as of November 1, 2006, relating to the issuance of Bear Xxxxxxx Mortgage
Funding Trust 2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4 (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 on behalf of the
Certificateholders for the purposes of receiving and holding certain documents and other instruments
delivered by the Company or the Servicer under the Pooling and Servicing Agreement, all upon the terms
and conditions and subject to the limitations hereinafter set forth;
NOW, THEREFORE, in consideration of the premises and the mutual covenants and
agreements hereinafter set forth, the Trustee the Company, the 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 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 Company to the Trustee (with a copy to 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 Company for the purpose of recording it in the appropriate public
office for real property records, and the Company, 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.
(1) 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 Company and 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").
(2) 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 Company 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.
(3) Not later than 180 days after the Closing Date, the Custodian shall review the
Mortgage Files as provided in Section 2.02 of the Pooling and Servicing Agreement and deliver to the
Company and the Trustee a Final Certification in the form annexed hereto as Exhibit Three evidencing the
completeness of the Mortgage Files.
(4) 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 Company 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 Company, the Servicer and the Trustee.
Section 2.5. Custodian to Cooperate: Release of Mortgage Files. Upon receipt of
written notice from the Trustee that the Mortgage Loan 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 Custodial Account or the Distribution Account, then the Custodian agrees to promptly
release to the Mortgage Loan Seller the related Mortgage File.
Upon the Custodian's receipt of a request for release (a "Request for Release")
substantially in the form attached to the Pooling and Servicing Agreement as Exhibit D signed by a
Servicing Officer of the Servicer stating that it has received payment in full of a Mortgage Loan or
that payment in full will be escrowed in a manner customary for such purposes, the Custodian agrees
promptly to release to the Servicer the related Mortgage File. The Company shall deliver to the
Custodian and the Custodian agrees to accept the Mortgage Note and other documents constituting the
Mortgage File with respect to any Substitute Mortgage Loan.
From time to time as is appropriate for the servicing or foreclosure of any Mortgage
Loan, including, for this purpose, collection under any Primary Insurance Policy, the Servicer 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 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 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 Custodial Account or 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 Servicer has
delivered to the Custodian a certificate of a Servicing Officer certifying as to the name and address of
the Person to which such Mortgage File or such document was delivered and the purpose or purposes of
such delivery.
At any time that the Servicer is required to deliver to the Custodian a Request for
Release, the Servicer shall deliver two copies of the Request for Release if delivered in hard copy or
the Servicer may furnish such Request for Release electronically 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 accompanied by an assignment of mortgage, without recourse,
representation or warranty from the Trustee to the Mortgage Loan Seller and the related Mortgage Note
shall be endorsed without recourse, representation or warranty by the Trustee (unless such Mortgage Note
was a MERS Loan and not endorsed to the Trustee) and be returned to the Mortgage Loan Seller. In
connection with any Request for Release of a Mortgage File because of the payment in full of a Mortgage
Loan, such Request for Release shall be accompanied by a certificate of satisfaction or other similar
instrument to be executed by or on behalf of the Trustee and returned to the 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 Servicer shall 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 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. 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 Company or the
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. Custodian's Fees and Expenses. The Trustee 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 Trustee will pay or reimburse, from amounts held by it in the
Distribution Account, 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 Company or
the Trust 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 notice of resignation, the Trustee
shall either take custody of the Mortgage Files itself and give prompt written notice thereof to the
Company, the 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 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 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 Company.
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 Company and the
Servicer of the appointment of any successor Custodian. No successor Custodian shall be appointed by the
Trustee without the prior approval of the Company and the 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; provided that such successor is a depository
institution subject to supervision or examination by federal or state authority and is able to satisfy
the other requirements contained in Section 3.7 and is unaffiliated with the Servicer or the Company.
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.
Section 3.8. Limitation on Liability. Neither the Custodian nor any of its
directors, officers, agents or employees, shall be liable for any action taken or omitted to be taken by
it or them hereunder or in connection herewith in good faith and reasonably believed (which belief may
be based upon the written opinion or advice of counsel selected by it in the exercise of reasonable
care) by it or them to be within the purview of this Agreement, except for its or their own negligence,
lack of good faith or willful misconduct. The Custodian and any director, officer, employee or agent of
the Custodian may rely in good faith on any document of any kind prima facie properly executed and
submitted by any person with authority with respect to any related matters arising hereunder. In no
event shall the Custodian or its directors, officers, agents and employees be held liable for any
special, indirect or consequential damages resulting 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.
Notwithstanding anything herein to the contrary, the Custodian agrees to indemnify the
Trust Fund, the Trustee and each of their respective employees, representatives, affiliates, officers,
directors and agents for any and all liabilities, obligations, losses, damages, payments, costs or
expenses of any kind whatsoever that may be imposed on, incurred by or asserted against the Trustee or
Trust Fund or any such other respective Person, due to any willful misfeasance or negligent or bad faith
performance or non-performance by the Custodian of its duties and responsibilities under this Agreement;
provided, however, that the Custodian shall not be liable to any of the foregoing Persons for any amount
and any portion of any such amount directly and solely resulting from the willful misfeasance, bad faith
or negligence of such person, and the Custodian's reliance on written instructions from the Trustee or
the Servicer. The provisions of this Section 3.8 shall survive the termination of this Custodial
Agreement.
The Custodian and its directors, officers, employees and agents shall be entitled to
indemnification and defense from the Trust Fund for any loss, liability or expense incurred (other than
as a result of any willful misfeasance or negligent or bad-faith performance or non-performance on their
part), arising out of, or in connection with, the acceptance or administration of the custodial
arrangement created hereunder, including the costs and expenses of defending themselves against any
claim or liability in connection with the exercise or performance of any of their powers or duties
hereunder.
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 Company and
the Trustee with the provisions of Regulation AB and related rules and regulations of the Commission.
The Company and the Trustee 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 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
Company and the Trustee 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 Company and the Trustee to deliver to the Company and (including any of
their respective assignees or designees), any and all disclosure, statements, reports, certifications,
records and any other information necessary in the reasonable, good faith determination of the Company,
the Servicer and the Trustee to permit the Company, the Servicer and the Trustee to comply with the
provisions of Regulation AB.
Section 4.2. Additional Representations and Warranties of the Custodian.
(1) The Custodian hereby represents and warrants that the information set forth in
the Prospectus Supplement under the caption "The 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.
(2) The Custodian shall be deemed to represent to the Company as of the date
hereof and on each date on which information is provided to the Company under Section 4.3 that, except
as disclosed in writing to the Company 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 Company 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 Original
Pooling and Servicing Agreement, as identified by the Company to the Custodian in writing as of the
Closing Date (each, a "Transaction Party").
(3) If so requested by the Company 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 (1) 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 Company shall not be given more than once each calendar quarter, unless the Company 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 Company 's reporting obligation
under the Exchange Act with respect to any class of Certificates, the Custodian shall (a) notify the
Company in writing of any material litigation or governmental proceedings pending against the Custodian
that would be material to Certificateholders, and (b) provide to the Company 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 Company or the 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 beginning in 2007, the Custodian shall:
(a) deliver to the Company, the Servicer and the Trustee a report (in form and
substance reasonably satisfactory to the Company) regarding the Custodian's assessment of compliance
with the Servicing Criteria identified on Exhibit Four hereto 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 Company and the Trustee 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 hereto; and
(b) deliver to the Company, the Servicer and the Trustee a report of a registered
public accounting firm reasonably acceptable to the Company and the Trustee 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.
(1) The Custodian shall indemnify the Company, each affiliate of the Company, the
Servicer, the Trustee 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 the Custodian Disclosure and 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.
(2) In the case of any failure of performance described in clause (ii) of Section 4.5(1),
the Custodian shall promptly reimburse the Company for all costs reasonably incurred by the Company in
order to obtain the information, report, certification, accountants' letter or other material not
delivered as required by 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 none of the Company, the Servicer or 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 DEEMED A CONTRACT MADE UNDER
THE LAWS OF THE STATE OF NEW YORK WITHOUT GIVING EFFECT TO ITS CONFLICT OF LAW PRINCIPLES AND SHALL BE
CONSTRUED AND ENFORCED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK.
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 Company and at the Trust's expense, but only upon direction
accompanied by an Opinion of Counsel reasonably satisfactory to the Company to the effect that the
failure to effect such recordation is likely to materially and adversely affect the interests of the
Certificateholders.
For the purpose of facilitating the recordation of this Agreement as herein provided
and for other purposes, this Agreement may be executed simultaneously in any number of counterparts,
each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but
one and the same instrument.
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: XXXXX FARGO BANK, NATIONAL ASSOCIATION, as Trustee
0000 Xxx Xxxxxxxxx Xxxx
Xxxxxxxx, Xxxxxxxx 00000 By:__________________________________________
Name:
Attention: Bear Xxxxxxx Mortgage Funding Title:
Trust 2006-AR4
Telecopy: (000) 000-0000
Confirmation:
Address: STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
000 Xxxxxxx Xxxxxx By:_________________________________________
Xxx Xxxx, Xxx Xxxx 00000 Name:
Title:
Address: EMC MORTGAGE CORPORATION,
as Servicer
0000 Xxxx Xxxxx Xxxxx
Xxxxxxxxxx, Xxxxx 00000 By:_________________________________________
Telecopier: (000) 000-0000 Name:
Title:
Address: XXXXX FARGO BANK, NATIONAL ASSOCIATION, as Custodian
0000 00xx Xxxxxx By:_________________________________________
Xxxxxxxxxxx, Xxxxxxxxx 00000 Name:
Attention: Bear Xxxxxxx Mortgage Funding Trust 2006-AR4 Title:
Telecopier: (000) 000-0000
STATE OF MARYLAND )
)ss.:
COUNTY OF XXXXXX )
On the 30th day of November, before me, a notary public in and for said State,
personally appeared Xxxxxx Xxxxxx, known to me to be a Vice President of Xxxxx Fargo Bank, National
Association, a national banking association that executed the within instrument, and also known to me to
be the person who executed it on behalf of said association and acknowledged to me that such association
executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day
and year in this certificate first above written.
____________________________________
Notary Public
[Notarial Seal]
STATE OF MINNESOTA )
) ss.:
COUNTY OF HENNEPIN )
On the 30th day of November, before me, a notary public in and for said State,
personally appeared Xxxxx Xxxxxx, known to me to be a Vice President of Xxxxx Fargo Bank, National
Association, a national banking association that executed the within instrument, and also known to me to
be the person who executed it on behalf of said national banking association, and acknowledged to me
that such national banking association executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day
and year in this certificate first above written.
____________________________________
Notary Public
[Notarial Seal]
STATE OF NEW YORK )
)ss.:
COUNTY OF NEW YORK )
On the 30th day of November, before me, a notary public in and for said State,
personally appeared Xxxxx Xxxxxxxxxxx, known to me to be a Senior Managing Director of Structured Asset
Mortgage Investments II Inc., one of the companies that executed the within instrument, and also known
to me to be the person who executed it on behalf of said company, 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 30th day of November, 2006, before me, a notary public in and for said State,
personally appeared Xxxxxxx Xxxxxxx, Xx., known to me to be an Executive Vice President of EMC Mortgage
Corporation, a 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 national banking
association executed the within instrument.
IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day
and year in this certificate first above written.
____________________________________
Notary Public
[Notarial Seal]
EXHIBIT ONE
FORM OF CUSTODIAN INITIAL CERTIFICATION
__, 20__
Xxxxx Fargo Bank, National Association Structured Asset Mortgage Investments II Inc.
0000 Xxx Xxxxxxxxx Xxxx 000 Xxxxxxx Xxxxxx
Xxxxxxxx, Xxxxxxxx 00000 Xxx Xxxx, Xxx Xxxx 00000
Attention: Structured Asset Mortgage Investments II Inc.
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
Re: Custodial Agreement, dated as of November 30, 2006, by and
among Xxxxx Fargo Bank, National Association, Structured
Asset Mortgage Investments II Inc. and EMC Mortgage
Corporation relating to Bear Xxxxxxx Mortgage Funding Trust
2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned Custodial Agreement, and subject
to Section 2.02 of the Pooling and Servicing Agreement, the undersigned, as Custodian, hereby certifies
that it has received a Mortgage File (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, NATIONAL ASSOCIATION
By: _______________________________
Name:
Title:
EXHIBIT TWO
FORM OF CUSTODIAN INTERIM CERTIFICATION
_________, 20__
Xxxxx Fargo Bank, National Association Structured Asset Mortgage Investments II Inc.
0000 Xxx Xxxxxxxxx Xxxx 000 Xxxxxxx Xxxxxx
Xxxxxxxx, Xxxxxxxx 00000 Xxx Xxxx, Xxx Xxxx 00000
Attention: Structured Asset Mortgage Investments II Inc.
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
Re: Custodial Agreement, dated as of November 30, 2006, by and
among Xxxxx Fargo Bank, National Association, Structured
Asset Mortgage Investments II Inc and EMC Mortgage
Corporation relating to Bear Xxxxxxx Mortgage Funding Trust
2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
Ladies and Gentlemen:
In accordance with Section 2.3 of the above-captioned Custodial 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 related 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, NATIONAL ASSOCIATION
By: _______________________________
Name:
Title:
EXHIBIT THREE
FORM OF CUSTODIAN FINAL CERTIFICATION
__________, 20__
Xxxxx Fargo Bank, National Association Structured Asset Mortgage Investments II Inc.
0000 Xxx Xxxxxxxxx Xxxx 000 Xxxxxxx Xxxxxx
Xxxxxxxx, Xxxxxxxx 00000 Xxx Xxxx, Xxx Xxxx 00000
Attention: Structured Asset Mortgage Investments II Inc.
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
Re: Custodial Agreement, dated as of November 30, 2006, by and
among Xxxxx Fargo Bank, National Association, Structured
Asset Mortgage Investments II Inc. and EMC Mortgage
Corporation relating to Bear Xxxxxxx Mortgage Funding Trust
2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
Ladies and Gentlemen:
In accordance with Section 2.3 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, subject to any exceptions listed on Schedule A attached hereto, it has received a
Mortgage File with respect to each Mortgage Loan listed in the Mortgage Loan Schedule containing with
respect to each such Mortgage Loan:
(i) The original Mortgage Note, endorsed without recourse (A) to the order of the
Trustee or (B) in the case of a Mortgage Loan in 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 a 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;
(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 "Xxxxx Fargo Bank, National Association, as Trustee", with
evidence of recording with respect to each Mortgage Loan in the name of the Trustee thereon;
(iv) all intervening assignments of the Security Instrument, if applicable and only to
the extent available to the Company 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.
Capitalized words and phrases used herein shall have the respective meanings assigned
to them in the above-captioned Custodial Agreement or in the Pooling and Servicing Agreement, as
applicable.
XXXXX FARGO BANK, NATIONAL ASSOCIATION
By: _______________________________
Name:
Title:
EXHIBIT FOUR
FORM OF CERTIFICATION REGARDING SERVICING CRITERIA
TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE
__________, 20__
Xxxxx Fargo Bank, National Association Structured Asset Mortgage Investments II Inc.
0000 Xxx Xxxxxxxxx Xxxx 000 Xxxxxxx Xxxxxx
Xxxxxxxx, Xxxxxxxx 00000 Xxx Xxxx, Xxx Xxxx 00000
Attention: Structured Asset Mortgage Investments II Inc.
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
Re: Custodial Agreement, dated as of November 30, 2006, by and
among Xxxxx Fargo Bank, National Association, Structured
Asset Mortgage Investments II Inc. and EMC Mortgage
Corporation relating to Bear Xxxxxxx Mortgage Funding Trust
2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4
Ladies and Gentlemen:
In accordance with Section 4.4 of the above-captioned Custodial Agreement and subject to Section 3.17 of
the Pooling and Servicing Agreement, the undersigned, as Custodian, hereby certifies that the
assessment of compliance to be delivered by the Custodian shall address, at a minimum, the criteria
identified below as "Applicable Servicing Criteria".
Applicable
Servicing Criteria Servicing Criteria
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Reference Criteria
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General Servicing Considerations
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Policies and procedures are instituted to monitor any
performance or other triggers and events of default in
1122(d)(1)(i) accordance with the transaction agreements
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If any material servicing activities are outsourced to third
parties, policies and procedures are instituted to monitor
1122(d)(1)(ii) the third party's performance and compliance with such
servicing activities
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Any requirements in the transaction agreements to maintain a
1122(d)(1)(iii) back-up servicer for the pool assets are maintained.
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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
1122(d)(1)(iv) required by and otherwise in accordance with the terms of
the transaction agreements.
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Cash Collection and Administration
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Payments on pool assets are deposited into the appropriate
custodial bank accounts and related bank clearing accounts
no more than two business days following receipt and
1122(d)(2)(i) identification, or such other number of days specified in
the transaction agreements.
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Disbursements made via wire transfer on behalf of an obligor
1122(d)(2)(ii) or to an investor are made only by authorized personnel.
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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
1122(d)(2)(iii) specified in the transaction agreements.
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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
1122(d)(2)(iv) respect to commingling of cash) as set forth in the
transaction agreements.
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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 institutions" with respect to a foreign
financial institution means a foreign financial institution
1122(d)(2)(v) that meets the requirements of Rule 13k-1(b)(1) of the
Securities Exchange Act.
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1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent
unauthorized access.
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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 ther person who prepared the reconciliations; and
(D) contain explanations for reconciling items, These
1122(d)(2)(vii) reconciling items are resolved within 90 calendar days of
their original identification, or such other number of days
specified in the transaction agreements.
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Investor Remittances and Reporting
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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
1122(d)(3)(i) the trustee's records as to the total unpaid principal
balance and number of pool assets serviced by the servicer.
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Amounts due to investors are allocated and remitted in
accordance with timeframes, distribution priority and other
1122(d)(3)(ii) terms set forth in the transaction agreements.
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Disbursements made to an investor are posted within two
business days to the servicer's investor records, or such
1122(d)(3)(iii) other number of days specified in the transaction agreements.
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Amounts remitted to investors per the investor reports agree
with cancelled checks, or other form of payment, or
1122(d)(3)(iv) custodial bank statements.
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Pool Asset Administration
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Collateral or security on pool assets is maintained as X
1122(d)(4)(i) required by the transaction agreements or related asset pool
documents.
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Pool assets and related documents are safeguarded as X
1122(d)(4)(ii) required by the transaction agreements.
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Any additions, removals or substitutions to the asset pool
are made, reviewed and approved in accordance with any
1122(d)(4)(iii) conditions or requirements in the transaction agreements
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Payments on pool assets, including any payoffs, made in
accordance with the related pool asset 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
1122(d)(4)(iv) to principal, interest or other items (e.g., escrow) in
accordance with the related pool asset documents.
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The servicer's records regarding the pool assets agree with
1122(d)(4)(v) the servicer's records with respect to an obligor's unpaid
principal balance.
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Changes with respect to the terms or status of an obligor's
pool asset (e.g., loan modifications or re-agings) are made,
reviewed and approved by authorized personnel in accordance
1122(d)(4)(vi) with the transaction agreements and related pool asset
documents.
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Loss mitigation of recovery actions (e.g., forbearance
plans, modifications and deed in lieu of foreclosure,
foreclosures and repossessions, as applicable) are
initiated, conducted and concluded in accordance with the
1122(d)(4)(vii) timeframes or other requirements established by the
transaction documents.
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Records documenting collection efforts are maintained during
the period a pool asset is delinquent in accordance with the
transaction agreements., Such records are maintained in at
least a monthly basis, or such other period specified in the
transaction agreements, and describe the entity's activities
in monitoring delinquent pool assets including, for example,
phone calls, letters and payment rescheduling plans in cases
1122(d)(4)(viii) where delinquency is deemed temporary (e.g., illness or
unemployment).
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Adjustments to interest rates or rates of return for pool
1122(d)(4)(ix) assets with variable rates are computed based on the
related pool asset documents.
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Regarding any funds held in trust for an obligor (such as
escrow accounts); (A) such funds are analyzed, in accordance
with the obligor's pool asset 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 pool
asset documents and state laws; and (C) such funds are
returned to the obligor within 3- calendar days of full
1122(d)(4)(x) repayment of the related pool asset, or such other number of
days specified in the transaction agreements.
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Payments made on behalf of an obligor (such as tax ore
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 service at least 30
1122(d)(4)(xi) calendar days prior to these dates, or such other number of
days specified in the transaction agreements.
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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
1122(d)(4)(xii) payment was due to the obligor's error or omission.
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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.
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1122(d)(4)(xiv) Delinquencies, charge-offs and uncollectible funds are
recognized and recorded in accordance with the transaction
agreements.
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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.
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XXXXX FARGO BANK, NATIONAL ASSOCIATION
By: _______________________________
Name:
Title:
EXHIBIT H
FORM OF MORTGAGE LOAN PURCHASE AGREEMENT
between
EMC MORTGAGE CORPORATION
as Mortgage Loan Seller
and
STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
as Purchaser
Dated as of
November 30, 2006
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4,
Mortgage Pass-Through Certificates, Series 2006-AR4
Section 1...............................................................................................Definitions 1
Section 2...............................................Purchase and Sale of the Mortgage Loans and Related Rights. 3
Section 3...................................................................................Mortgage Loan Schedules 3
Section 4...................................................................................Mortgage Loan Transfer. 4
Section 5............................................................................Examination of Mortgage Files. 5
Section 6....................................................................Recordation of Assignments of Mortgage 7
Section 7......................Representations and Warranties of Mortgage Loan Seller Concerning the Mortgage Loans 8
Section 8........................................Representations and Warranties Concerning the Mortgage Loan Seller 12
Section 9...................................................Representations and Warranties Concerning the Purchaser 13
Section 10....................................................................................Conditions to Closing 15
Section 11........................................................................................Fees and Expenses 17
Section 12.....................................................................................Accountants' Letters 17
Section 13..........................................................................................Indemnification 17
Section 14..................................................................................................Notices 19
Section 15...............................................................................Transfer of Mortgage Loans 20
Section 16..............................................................................................Termination 20
Section 17...........................................Representations, Warranties and Agreements to Survive Delivery 20
Section 18.............................................................................................Severability 20
Section 19.............................................................................................Counterparts 20
Section 20................................................................................................Amendment 20
Section 21............................................................................................GOVERNING LAW 21
Section 22.......................................................................................Further Assurances 21
Section 23...................................................................................Successors and Assigns 21
Section 24...............................................................The Mortgage Loan Seller and the Purchaser 21
Section 25.........................................................................................Entire Agreement 21
Section 26...........................................................................................No Partnership 21
Section 27..................................................................................Third Party Beneficiary 21
Exhibit 1 Contents of Mortgage File Exh. 1-1
Exhibit 2 Mortgage Loan Schedule Information Exh. 2-1
Exhibit 3 Mortgage Loan Seller's Information Exh. 3-1
Exhibit 4 Purchaser's Information Exh. 4-1
Exhibit 5 Schedule of Lost Notes Exh. 5-1
Exhibit 6 Standard & Poor's LEVELS® Glossary, Version 5.7
Revised, Appendix E Exh. 6-1
Schedule A Required Ratings for Each Class of Certificates Sch. A-1
Schedule B Mortgage Loan Schedule Sch. B-1
MORTGAGE LOAN PURCHASE AGREEMENT
MORTGAGE LOAN PURCHASE AGREEMENT, dated as of November 30, 2006, as amended and
supplemented by any and all amendments hereto (collectively, the "Agreement"), by and between EMC
MORTGAGE CORPORATION, a Delaware corporation (the "Mortgage Loan Seller"), and STRUCTURED ASSET MORTGAGE
INVESTMENT II INC., a Delaware corporation (the "Purchaser").
Upon the terms and subject to the conditions of this Agreement, the Mortgage Loan
Seller agrees to sell, and the Purchaser agrees to purchase, certain conventional, adjustable rate,
first lien mortgage loans secured primarily by one- to four-family residential properties (collectively,
the "Mortgage Loans") as described herein. The Purchaser intends to deposit the Mortgage Loans into a
trust fund (the "Trust Fund") and create Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage
Pass-Through Certificates, Series 2006-AR4 (the "Certificates"), under a pooling and servicing
agreement, to be dated as of November 1, 2006 (the "Pooling and Servicing Agreement"), among the
Purchaser, as depositor, Xxxxx Fargo Bank, National Association, as trustee (the "Trustee") and EMC
Mortgage Corporation, as servicer (in such capacity, the "Servicer"), sponsor and seller.
The Purchaser has filed with the Securities and Exchange Commission (the "Commission")
a registration statement on Form S-3 (Number 333-132232) relating to its Mortgage Pass-Through
Certificates and the offering of certain series thereof (including certain classes of the Certificates)
from time to time in accordance with Rule 415 under the Securities Act of 1933, as amended, and the
rules and regulations of the Commission promulgated thereunder (the "Securities Act"). Such
registration statement, when it became effective under the Securities Act, and the prospectus relating
to the public offering of certain classes of the Certificates by the Purchaser (the "Public Offering"),
as from time to time each is amended or supplemented pursuant to the Securities Act or otherwise, are
referred to herein as the "Registration Statement" and the "Prospectus," respectively. The "Prospectus
Supplement" shall mean that supplement, dated November 30, 2006 to the Prospectus, dated October 23,
2006, relating to certain classes of the Certificates. With respect to the Public Offering of certain
classes of the Certificates, the Purchaser and Bear, Xxxxxxx & Co. Inc. ("Bear Xxxxxxx") have entered
into a terms agreement dated as of November 30, 2006 to an underwriting agreement dated May 12, 2006,
between the Purchaser and Bear Xxxxxxx (collectively, the "Underwriting Agreement").
Now, therefore, in consideration of the premises and the mutual agreements set forth
herein, the parties hereto agree as follows:
SECTION 1. Definitions. Certain terms are defined herein. Capitalized
terms used herein but not defined herein shall have the meanings specified in the Pooling and Servicing
Agreement. The following other terms are defined as follows:
Acquisition Price: Cash in an amount agreed upon by the Mortgage Loan Seller and the
Purchaser.
Bear Xxxxxxx: Bear, Xxxxxxx & Co. Inc.
Closing Date: November 31, 2006.
Cut-off Date: November 1, 2006.
Cut-off Date Balance: Approximately $510,658,032.
Deleted Mortgage Loan: A Mortgage Loan replaced or to be replaced by a Substitute
Mortgage Loan.
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.
Moody's: Xxxxx'x Investors Service, Inc., or its successors in interest.
Mortgage: The mortgage or deed of trust creating a first lien on an interest in real
property securing a Mortgage Note.
Mortgage File: The items referred to in Exhibit 1 pertaining to a particular Mortgage
Loan and any additional documents required to be added to such documents pursuant to this Agreement or
the Pooling and Servicing Agreement.
Mortgage Interest Rate: The annual rate of interest borne by a Mortgage Note as stated
therein.
Mortgagor: The obligor(s) on a Mortgage Note.
Opinion of Counsel: A written opinion of counsel, who may be counsel for the Mortgage
Loan Seller or the Purchaser, reasonably acceptable to the Trustee.
Person: Any legal person, including any individual, corporation, partnership, joint
venture, association, joint stock company, trust, unincorporated organization or government or any
agency or political subdivision thereof.
Purchase Price: With respect to any Mortgage Loan (or any property acquired with
respect thereto) required to be purchased by the Mortgage Loan Seller pursuant to this Agreement or
Article II of the Pooling and Servicing 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, and
reduced by (c) any portion of the Servicing Compensation, Monthly Advances and advances payable to the
purchaser of the Mortgage Loan 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 or abusive lending laws.
Rating Agencies: Standard & Poor's and Moody's, each a "Rating Agency."
Securities Act: The Securities Act of 1933, as amended.
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.
Servicer: EMC Mortgage Corporation.
Standard & Poor's: Standard & Poor's Ratings Services, a division of The XxXxxx-Xxxx
Companies, Inc. or its successors in interest.
Substitute Mortgage Loan: A mortgage loan substituted for a Deleted Mortgage Loan
which must meet on the date of such substitution the requirements stated herein and in the Pooling and
Servicing Agreement; upon such substitution, such mortgage loan shall be a "Mortgage Loan" hereunder.
Value: The value of the Mortgaged Property at the time of origination of the related
Mortgage Loan, such value being the lesser of (i) the value of such property set forth in an appraisal
accepted by the applicable originator of the Mortgage Loan or (ii) the sales price of such property at
the time of origination.
SECTION 2. Purchase and Sale of the Mortgage Loans and Related Rights.
Upon satisfaction of the conditions set forth in Section 10 hereof, the Mortgage Loan
Seller agrees to sell, and the Purchaser agrees to purchase Mortgage Loans having an aggregate
outstanding principal balance as of the Cut-off Date equal to the Cut-off Date Balance.
The closing for the purchase and sale of the Mortgage Loans and the closing for the
issuance of the Certificates will take place on the Closing Date at the office of the Purchaser's
counsel in New York, New York or such other place as the parties shall agree.
Upon the satisfaction of the conditions set forth in Section 10 hereof, on the Closing
Date, the Purchaser shall pay to the Mortgage Loan Seller the Acquisition Price for the Mortgage Loans
in immediately available funds by wire transfer to such account or accounts as shall be designated by
the Mortgage Loan Seller.
In addition to the foregoing, on the Closing Date the Mortgage Loan Seller assigns to
the Purchaser all of its right, title and interest in the Servicing Agreements (other than its right to
enforce the representations and warranties set forth therein).
SECTION 3. Mortgage Loan Schedules. The Mortgage Loan Seller agrees to
provide to the Purchaser as of the date hereof a preliminary listing of the Mortgage Loans (the
"Preliminary Mortgage Loan Schedule") setting forth the information listed on Exhibit 2 to this Agreement
with respect to each of the Mortgage Loans being sold by the Mortgage Loan Seller. If there are changes
to the Preliminary Mortgage Loan Schedule, the Mortgage Loan Seller shall provide to the Purchaser as of
the Closing Date a final schedule (the "Final Mortgage Loan Schedule") setting forth the information
listed on Exhibit 2 to this Agreement with respect to each of the Mortgage Loans being sold by the
Mortgage Loan Seller to the Purchaser. The Final Mortgage Loan Schedule shall be delivered to the
Purchaser on the Closing Date, shall be attached to an amendment to this Agreement to be executed on the
Closing Date by the parties hereto and shall be in form and substance mutually agreed to by the Mortgage
Loan Seller and the Purchaser (the "Amendment"). If there are no changes to the Preliminary Mortgage
Loan Schedule, the Preliminary Mortgage Loan Schedule shall be the Final Mortgage Loan Schedule for all
purposes hereof.
SECTION 4. Mortgage Loan Transfer.
The Purchaser will be entitled to all scheduled payments of principal and interest on
the Mortgage Loans due after the Cut-off Date (regardless of when actually collected) and all payments
thereon, other than scheduled principal and interest, received after the Cut-off Date. The Mortgage
Loan Seller will be entitled to all scheduled payments of principal and interest on the Mortgage Loans
due on or before the Cut-off Date (including payments collected after the Cut-off Date) and all payments
thereon, other than scheduled principal and interest, received on or before the Cut-off Date. Such
principal amounts and any interest thereon belonging to the Mortgage Loan Seller as described above will
not be included in the aggregate outstanding principal balance of the Mortgage Loans as of the Cut-off
Date as set forth on the Final Mortgage Loan Schedule.
Pursuant to various conveyance documents to be executed on the Closing Date and
pursuant to the Pooling and Servicing Agreement, the Purchaser will assign on the Closing Date all of
its right, title and interest in and to the Mortgage Loans to the Trustee for the benefit of the
Certificateholders. In connection with the transfer and assignment of the Mortgage Loans, the Mortgage
Loan Seller has delivered or will deliver or cause to be delivered to the Trustee by the Closing Date or
such later date as is agreed to by the Purchaser and the Mortgage Loan Seller (each of the Closing Date
and such later date is referred to as a "Mortgage File Delivery Date"), the items of each Mortgage File,
provided, however, that in lieu of the foregoing, the Mortgage Loan Seller may deliver the following
documents, under the circumstances set forth below: (x) 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
Mortgage Loan Seller in time to permit their delivery as specified above, the Mortgage Loan Seller may
deliver a true copy thereof with a certification by the Mortgage Loan Seller, 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" (y) in lieu of the Security Instrument, assignments to the Trustee or
intervening assignments thereof, if the applicable jurisdiction retains the originals of such documents
(as evidenced by a certification from the Mortgage Loan Seller to such effect) the Mortgage Loan Seller
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; and (z) in lieu of the
Mortgage Notes relating to the Mortgage Loans, each identified in the list delivered by the Purchaser to
the Trustee on the Closing Date and attached hereto as Exhibit 5, the Mortgage Loan Seller may deliver
lost note affidavits and indemnities of the Mortgage Loan Seller; 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 Mortgage Loan Seller, in lieu of delivering the above documents, may deliver to the
Trustee a certification by the Mortgage Loan Seller or the Servicer to such effect. The Mortgage Loan
Seller shall deliver such original documents (including any original documents as to which certified
copies had previously been delivered) or such certified copies to the Trustee promptly after they are
received. The Mortgage Loan Seller shall cause the Mortgage and intervening assignments, if any, and
the assignment of the Security Instrument to be recorded not later than 180 days after the Closing Date,
unless such assignment is not required to be recorded under the terms set forth in Section 6(i) hereof.
The Mortgage Loan Seller and the Purchaser acknowledge hereunder that all of the
Mortgage Loans and the related servicing will ultimately be assigned to Xxxxx Fargo Bank, National
Association, as Trustee for the benefit of the Certificateholders, on the date hereof.
SECTION 5. Examination of Mortgage Files.
On or before the Mortgage File Delivery Date, the Mortgage Loan Seller will have made
the Mortgage Files available to the Purchaser or its agent for examination which may be at the offices
of the Trustee or the Mortgage Loan Seller and/or the Mortgage Loan Seller's custodian. The fact that
the Purchaser or its agent has conducted or has failed to conduct any partial or complete examination of
the Mortgage Files shall not affect the Purchaser's rights to demand cure, repurchase, substitution or
other relief as provided in this Agreement. In furtherance of the foregoing, the Mortgage Loan Seller
shall make the Mortgage Files available to the Purchaser or its agent from time to time so as to permit
the Purchaser to confirm the Mortgage Loan Seller's compliance with the delivery and recordation
requirements of this Agreement and the Pooling and Servicing Agreement. In addition, upon request of
the Purchaser, the Mortgage Loan Seller agrees to provide to the Purchaser, Bear Xxxxxxx and to any
investors or prospective investors in the Certificates information regarding the Mortgage Loans and
their servicing, to make the Mortgage Files available to the Purchaser, Bear Xxxxxxx and to such
investors or prospective investors (which may be at the offices of the Mortgage Loan Seller and/or the
Mortgage Loan Seller's custodian) and to make available personnel knowledgeable about the Mortgage Loans
for discussions with the Purchaser, Bear Xxxxxxx and such investors or prospective investors, upon
reasonable request during regular business hours, sufficient to permit the Purchaser, Bear Xxxxxxx and
such investors or potential investors to conduct such due diligence as any such party reasonably
believes is appropriate.
Pursuant to the Pooling and Servicing Agreement, on the Closing Date the Trustee, for
the benefit of the Certificateholders, will review or cause the Custodian to review items of the
Mortgage Files as set forth on Exhibit 1 and will execute and deliver or cause the Custodian to execute
and deliver to the Mortgage Loan Seller an initial certification in the form attached as Exhibit One to
the Custodial Agreement.
Pursuant to the Pooling and Servicing Agreement, within 90 days of the Closing Date,
the Trustee will review or shall cause the Custodian to review items of the Mortgage Files as set forth
on Exhibit 1 and will execute and deliver, or cause to be executed and delivered, to the Mortgage Loan
Seller and the Servicer an interim certification substantially in the form of Exhibit Two to the
Custodial Agreement.
Pursuant to the Pooling and Servicing Agreement, within 180 days of 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 will review or cause the Custodian to review items of the
Mortgage Files as set forth on Exhibit 1 and will deliver to the Mortgage Loan Seller and the Servicer a
final certification substantially in the form of Exhibit Three to the Custodial Agreement. If the
Trustee is unable to deliver a final certification with respect to the items listed in Exhibit 1 due to
any document that is missing, has not been executed, is unrelated, determined on the basis of the
Mortgagor name, original principal balance and loan number, to the Mortgage Loans identified in the
Final Mortgage Loan Schedule or appears to be defective on its face (a "Material Defect"), the Trustee
or the Custodian, as its agent, shall promptly notify the Mortgage Loan Seller of such Material Defect.
The Mortgage Loan Seller shall correct or cure any such Material 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 Mortgage Loan
Seller does not correct or cure such Material Defect within such period and such defect materially and
adversely affects the interests of the Certificateholders in the related Mortgage Loan, the Mortgage
Loan Seller will, in accordance with the terms of the Pooling and Servicing Agreement, within 90 days of
the date of notice, provide the Trustee with a Substitute Mortgage Loan (if within two years of the
Closing Date) or purchase the related Mortgage Loan at the applicable Purchase 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 Mortgage Loan 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 Mortgage Loan Seller shall not be required to purchase such
Mortgage Loan if the Mortgage Loan 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 Mortgage Loan 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 Mortgage Loan
Seller shall instead deliver a recording receipt of such recording office or, if such receipt is not
available, a certificate of the Mortgage Loan Seller or the Servicing Officer 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 Mortgage Loan Seller within thirty days of its receipt of the original recorded
document.
At the time of any substitution, the Mortgage Loan Seller shall deliver or cause to be
delivered the Substitute Mortgage Loan, the related Mortgage File and any other documents and payments
required to be delivered in connection with a substitution pursuant to the Pooling and Servicing
Agreement. At the time of any purchase or substitution, the Trustee shall (i) assign to the Mortgage
Loan Seller and release or cause the Custodian to release the documents (including, but not limited to,
the Mortgage, Mortgage Note and other contents of the Mortgage File) in its possession or in the
possession of the Custodian relating to the Deleted Mortgage Loan and (ii) execute and deliver such
instruments of transfer or assignment, in each case without recourse, as shall be necessary to vest in
the Mortgage Loan Seller title to such Deleted Mortgage Loan.
SECTION 6. Recordation of Assignments of Mortgage.
The Mortgage Loan Seller shall, promptly after the Closing Date, cause each Mortgage
and each assignment of Mortgage from the Mortgage Loan Seller to the Trustee, and all unrecorded
intervening assignments, if any, delivered on or prior to the Closing Date, to be recorded in all
recording offices in the jurisdictions where the related Mortgaged Properties are located; provided,
however, the Mortgage Loan Seller need not cause to be recorded any assignment which relates to a
Mortgage Loan if (a) such recordation is not required by the Rating Agencies or an Opinion of Counsel
has been provided to the Trustee which states that the recordation of such assignment is not necessary
to protect the Trustee's interest in the related Mortgage Loan or (b) MERS is identified on the Mortgage
or a properly recorded assignment of the Mortgage, as the mortgagee of record solely as nominee for the
Mortgage Loan Seller and its successors and assigns; provided, however, notwithstanding the delivery of
any Opinion of Counsel, each assignment of Mortgage shall be submitted for recording by the Mortgage
Loan Seller in the manner described above, at no expense to the Trust Fund or Trustee, 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 Mortgage Loan Seller and (iv)
the occurrence of a servicing transfer as described in Section 8.02 of the Pooling and Servicing
Agreement.
While each such Mortgage or assignment is being recorded, if necessary, the Mortgage
Loan Seller shall leave or cause to be left with the Trustee a certified copy of such Mortgage or
assignment. In the event that, within 180 days of the Closing Date, the Trustee has not been provided
an Opinion of Counsel as described above or received evidence of recording with respect to each Mortgage
Loan delivered to the Purchaser pursuant to the terms hereof or as set forth above, the failure to
provide evidence of recording or such Opinion of Counsel (in the alternative, if required) shall be
considered a Material Defect, and the provisions of Section 5(iii) and (iv) shall apply. All customary
recording fees and reasonable expenses relating to the recordation of the assignments of Mortgage to the
Trustee or the Opinion of Counsel, as the case may be, shall be borne by the Mortgage Loan Seller.
It is the express intent of the parties hereto that the conveyance of the Mortgage
Loans by the Mortgage Loan Seller to the Purchaser, as contemplated by this Agreement be, and be treated
as, a sale. It is, further, not the intention of the parties that such conveyance be deemed a pledge of
the Mortgage Loans by the Mortgage Loan Seller to the Purchaser to secure a debt or other obligation of
the Mortgage Loan Seller. However, in the event that, notwithstanding the intent of the parties, the
Mortgage Loans are held by a court of competent jurisdiction to continue to be property of the Mortgage
Loan Seller, then (a) this Agreement shall also be deemed to be a security agreement within the meaning
of Articles 8 and 9 of the applicable Uniform Commercial Code; (b) the transfer of the Mortgage Loans
provided for herein shall be deemed to be a grant by the Mortgage Loan Seller to the Purchaser of a
security interest in all of the Mortgage Loan Seller's right, title and interest in and to the Mortgage
Loans and all amounts payable to the holders of the Mortgage Loans in accordance with the terms thereof
and all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments,
securities or other property, to the extent the Purchaser would otherwise be entitled to own such
Mortgage Loans and proceeds pursuant to Section 4 hereof, including all amounts, other than investment
earnings, from time to time held or invested in any accounts created pursuant to the Pooling and
Servicing Agreement, whether in the form of cash, instruments, securities or other property; (c) the
possession by the Purchaser or the Trustee of Mortgage Notes and such other items of property as
constitute instruments, money, negotiable documents or chattel paper shall be deemed to be "possession
by the secured party" for purposes of perfecting the security interest pursuant to Section 9-313 (or
comparable provision) of the applicable Uniform Commercial Code; and (d) notifications to persons
holding such property, and acknowledgments, receipts or confirmations from persons holding such
property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from,
financial intermediaries, bailees or agents (as applicable) of the Purchaser for the purpose of
perfecting such security interest under applicable law. Any assignment of the interest of the Purchaser
pursuant to any provision hereof or pursuant to the Pooling and Servicing Agreement shall also be deemed
to be an assignment of any security interest created hereby. The Mortgage Loan Seller and the Purchaser
shall, to the extent consistent with this Agreement, take such actions as may be reasonably necessary to
ensure that, if this Agreement were deemed to create a security interest in the Mortgage Loans, such
security interest would be deemed to be a perfected security interest of first priority under applicable
law and will be maintained as such throughout the term of the Pooling and Servicing Agreement.
SECTION 7. Representations and Warranties of Mortgage Loan Seller
Concerning the Mortgage Loans. The Mortgage Loan Seller hereby represents and warrants to the Purchaser
as of the Closing Date or such other date as may be specified below with respect to each Mortgage Loan
being sold by it:
the information set forth in the Mortgage Loan Schedule hereto is true and correct in
all material respects and the information provided to the Rating Agencies, including the Mortgage Loan
level detail, is true and correct according to the Rating Agency requirements;
immediately prior to the transfer to the Purchaser, the Mortgage Loan Seller was the
sole owner of beneficial title and holder of each Mortgage and Mortgage Note relating to the Mortgage
Loans and is conveying the same free and clear of any and all liens, claims, encumbrances, participation
interests, equities, pledges, charges or security interests of any nature and the Mortgage Loan Seller
has full right and authority to sell or assign the same pursuant to this Agreement;
each Mortgage Loan at the time it was made complied in all material respects with all
applicable local, state and federal laws and regulations, including, without limitation, usury, equal
credit opportunity, disclosure and recording laws and all applicable anti-predatory, abusive and fair
lending laws; and each Mortgage Loan has been serviced in all material respects in accordance with all
applicable local, state and federal laws and regulations, including, without limitation, usury, equal
credit opportunity, disclosure and recording laws and all applicable anti-predatory, abusive and fair
lending laws and the terms of the related Mortgage Note, the Mortgage and other loan documents;
there is no monetary default existing under any Mortgage or the related Mortgage Note
and there is no material event which, with the passage of time or with notice and the expiration of any
grace or cure period, would constitute a default, breach or event of acceleration; and neither the
Mortgage Loan Seller, any of its affiliates nor any servicer of any related Mortgage Loan has taken any
action to waive any default, breach or event of acceleration; and no foreclosure action is threatened or
has been commenced with respect to the Mortgage Loan;
the terms of the Mortgage Note and the Mortgage have not been impaired, waived,
altered or modified in any respect, except by written instruments, (i) if required by law in the
jurisdiction where the Mortgaged Property is located, or (ii) to protect the interests of the Trustee on
behalf of the Certificateholders;
no selection procedure reasonably believed by the Mortgage Loan Seller to be adverse
to the interests of the Certificateholders was utilized in selecting the Mortgage Loans;
each Mortgage is a valid and enforceable first lien on the property securing the
related Mortgage Note and each Mortgaged Property is owned by the Mortgagor in fee simple (except with
respect to common areas in the case of condominiums, PUDs and de minimis PUDs) or by leasehold for a
term longer than the term of the related Mortgage, subject only to (i) the lien of current real property
taxes and assessments, (ii) covenants, conditions and restrictions, rights of way, easements and other
matters of public record as of the date of recording of such Mortgage, such exceptions being acceptable
to mortgage lending institutions generally or specifically reflected in the appraisal obtained in
connection with the origination of the related Mortgage Loan or referred to in the lender's title
insurance policy delivered to the originator of the related Mortgage Loan and (iii) other matters to
which like properties are commonly subject which do not materially interfere with the benefits of the
security intended to be provided by such Mortgage;
there is no mechanics' lien or claim for work, labor or material affecting the
premises subject to any Mortgage which is or may be a lien prior to, or equal with, the lien of such
Mortgage except those which are insured against by the title insurance policy referred to in (xiii)
below;
there was no delinquent tax or assessment lien against the property subject to any
Mortgage, except where such lien was being contested in good faith and a stay had been granted against
levying on the property;
there is no valid offset, defense or counterclaim to any Mortgage Note or Mortgage,
including the obligation of the Mortgagor to pay the unpaid principal and interest on such Mortgage Note;
the physical property subject to any Mortgage is free of material damage and is in
good repair and there is no proceeding pending or threatened for the total or partial condemnation of
any Mortgaged Property;
the Mortgaged Property and all improvements thereon comply with all requirements of
any applicable zoning and subdivision laws and ordinances;
a lender's title insurance policy (on an ALTA or CLTA form) or binder, or other
assurance of title customary in the relevant jurisdiction therefor in a form acceptable to Xxxxxx Xxx or
Xxxxxxx Mac, was issued on the date that each Mortgage Loan was created by a title insurance company
which, to the best of the Mortgage Loan Seller's knowledge, was qualified to do business in the
jurisdiction where the related Mortgaged Property is located, insuring the Mortgage Loan Seller and its
successors and assigns that the Mortgage is a first priority lien on the related Mortgaged Property in
the original principal amount of the Mortgage Loan. The Mortgage Loan Seller is the sole insured under
such lender's title insurance policy, and such policy, binder or assurance is valid and remains in full
force and effect, and each such policy, binder or assurance shall contain all applicable endorsements
including a negative amortization endorsement, if applicable;
at the time of origination, each Mortgaged Property was the subject of an appraisal
which conformed to the underwriting requirements of the originator of the Mortgage Loan and the
appraisal is in a form acceptable to Xxxxxx Mae or Xxxxxxx Mac;
the improvements on each Mortgaged Property securing a Mortgage Loan are insured (by
an insurer which is acceptable to the Mortgage Loan Seller) against loss by fire and such hazards as are
covered under a standard extended coverage endorsement in the locale in which the Mortgaged Property is
located, in an amount which is not less than the lesser of the maximum insurable value of the
improvements securing such Mortgage Loan or the outstanding principal balance of the Mortgage Loan, but
in no event in an amount less than an amount that is required to prevent the Mortgagor from being deemed
to be a co-insurer thereunder; if the improvement on the Mortgaged Property is a condominium unit, it is
included under the coverage afforded by a blanket policy for the condominium project; if upon
origination of the related Mortgage Loan, the improvements on the Mortgaged Property were in an area
identified as a federally designated flood area, a flood insurance policy is in effect in an amount
representing coverage not less than the least of (i) the outstanding principal balance of the Mortgage
Loan, (ii) the restorable cost of improvements located on such Mortgaged Property or (iii) the maximum
coverage available under federal law; and each Mortgage obligates the Mortgagor thereunder to maintain
the insurance referred to above at the Mortgagor's cost and expense;
each Mortgage Loan constitutes a "qualified mortgage" under Section 860G(a)(3)(A) of
the Code and Treasury Regulations Section 1.860G-2(a)(1), (2), (4), (5), (6), (7) and (9) without
reliance on the provisions of Treasury Regulations Section 1.860G-2(a)(3) or Treasury Regulations
Section 1.860G-2(f)(2) or any other provision that would allow a Mortgage Loan to be treated as a
"qualified mortgage" notwithstanding its failure to meet the requirements of Section 860G(a)(3)(A) of the
Code and Treasury Regulation Section 1.860G-2(a)(1), (2), (4), (5), (6), (7) and (9);
each Mortgage Loan was originated (a) by a savings and loan association, savings
bank, commercial bank, credit union, insurance company or similar institution that is supervised and
examined by a federal or state authority, (b) by a mortgagee approved by the Secretary of HUD pursuant
to Sections 203 and 211 of the National Housing Act, as amended, or (c) by a mortgage broker or
correspondent lender in a manner such that the related Mortgage Loan would be regarded for purposes of
Section 3(a)(41) of the Securities Exchange Act of 1934, as amended, as having been originated by an
entity described in clauses (a) or (b) above;
none of the Mortgage Loans are (a) loans subject to 12 CFR Part 226.31, 12 CFR Part
226.32 or 12 CFR Part 226.34 of Regulation Z, the regulation implementing TILA, which implements the
Home Ownership and Equity Protection Act of 1994, as amended or (b) "high cost home," "covered"
(excluding home loans defined as "covered home loans" in the New Jersey Home Ownership Security Act of
2002 that were originated between November 26, 2003 and July 7, 2004), "high risk home" or "predatory"
loans under any applicable state, federal or local law (or a similarly classified loan using different
terminology under a law imposing heightened regulatory scrutiny or additional legal liability for
residential mortgage loans having high interest rates, points and/or fees);
no Mortgage Loan (a) is a "high cost loan" or "covered loan" as applicable (as such
terms are defined in the then current version of Standard & Poor's LEVELS® Glossary in effect as of the
date hereof, Appendix E, attached hereto as Exhibit 6) or (b) was originated on or after October 1, 2002
through March 6, 2003 and is governed by the Georgia Fair Lending Act;
the information set forth in Schedule A of the Prospectus Supplement with respect to
the Mortgage Loans is true and correct in all material respects;
each Mortgage Loan was originated in accordance with the underwriting guidelines of
the related originator;
each original Mortgage has been recorded or is in the process of being recorded in
accordance with the requirements of Section 2.01 of the Pooling and Servicing Agreement in the
appropriate jurisdictions wherein such recordation is required to perfect the lien thereof for the
benefit of the Trust Fund;
the related Mortgage File contains each of the documents and instruments listed in
Section 2.01 of the Pooling and Servicing Agreement, subject to any exceptions, substitutions and
qualifications as are set forth in such Section;
the Mortgage Loans are currently being serviced in accordance with accepted servicing
practices; and
with respect to each Mortgage Loan that has a prepayment penalty feature, each such
prepayment penalty is enforceable and will be enforced by the Mortgage Loan Seller and each prepayment
penalty is permitted pursuant to federal, state and local law. No Mortgage Loan will impose a
prepayment penalty for a term in excess of five years from the date such Mortgage Loan was originated
and such prepayment penalty is at least equal to the lesser of (A) the maximum amount permitted under
applicable law and (B) six months interest at the related Mortgage Interest Rate on the amount prepaid
in excess of 20% of the original principal balance of such Mortgage Loan.
It is understood and agreed that the representations and warranties set forth in this
Section 7 will inure to the benefit of the Purchaser, its successors and assigns, notwithstanding any
restrictive or qualified endorsement on any Mortgage Note or assignment of Mortgage or the examination
of any Mortgage File. Upon any substitution for a Mortgage Loan, the representations and warranties set
forth above shall be deemed to be made by the Mortgage Loan Seller as to any Substitute Mortgage Loan as
of the date of substitution.
Upon discovery or receipt of notice by the Mortgage Loan Seller, the Purchaser or the
Trustee of a breach of any representation or warranty of the Mortgage Loan Seller set forth in this
Section 7 which materially and adversely affects the value of the interests of the Purchaser, the
Certificateholders or the Trustee in any of the Mortgage Loans delivered to the Purchaser pursuant to
this Agreement, the party discovering or receiving notice of such breach shall give prompt written
notice to the others. In the case of any such breach of a representation or warranty set forth in this
Section 7, within 90 days from the date of discovery by the Mortgage Loan Seller, or the date the
Mortgage Loan Seller is notified by the party discovering or receiving notice of such breach (whichever
occurs earlier), the Mortgage Loan Seller will (i) cure such breach in all material respects, (ii)
purchase the affected Mortgage Loan at the applicable Purchase Price or (iii) if within two years of the
Closing Date, substitute a qualifying Substitute Mortgage Loan in exchange for such Mortgage Loan;
provided that, (A) in the case of a breach of the representation and warranty concerning the Mortgage
Loan Schedule contained in clause (i) of this Section 7, if such breach is material and relates to any
field on the Mortgage Loan Schedule which identifies any Prepayment Charge or (B) in the case of a
breach of the representation contained in clause (xviii) of this Section 7, then, in each case, in lieu
of purchasing such Mortgage Loan from the Trust Fund at the Purchase Price, the Sponsor shall pay the
amount of the Prepayment Charge (net of any amount previously collected by or paid to the Trust Fund in
respect of such Prepayment Charge) from its own funds and without reimbursement thereof, and the Sponsor
shall have no obligation to repurchase or substitute for such Mortgage Loan. The obligations of the
Mortgage Loan Seller to cure, purchase or substitute a qualifying Substitute Mortgage Loan shall
constitute the Purchaser's, the Trustee's and the Certificateholder's sole and exclusive remedies under
this Agreement or otherwise respecting a breach of representations or warranties hereunder with respect
to the Mortgage Loans, except for the obligation of the Mortgage Loan Seller to indemnify the Purchaser
for such breach as set forth in and limited by Section 13 hereof. It is understood by the parties
hereto that a breach of the representations and warranties made in either clause (xviii) or (xix)(b) of
this Section 7 will be deemed to materially and adversely affect the value of the interests of the
Purchaser, the Certificateholders or the Trustee in the related Mortgage Loan.
Any cause of action against the Mortgage Loan Seller or relating to or arising out of
a breach by the Mortgage Loan Seller of any representations and warranties made in this Section 7 shall
accrue as to any Mortgage Loan upon (i) discovery of such breach by the Mortgage Loan Seller or notice
thereof by the party discovering such breach and (ii) failure by the Mortgage Loan Seller to cure such
breach, purchase such Mortgage Loan or substitute a qualifying Substitute Mortgage Loan pursuant to the
terms hereof.
SECTION 8. Representations and Warranties Concerning the Mortgage Loan
Seller. As of the date hereof and as of the Closing Date, the Mortgage Loan Seller represents and
warrants to the Purchaser as to itself in the capacity indicated as follows:
the Mortgage Loan Seller (i) is a corporation duly organized, validly existing and in
good standing under the laws of the State of Delaware and (ii) is qualified and in good standing 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 Mortgage Loan Seller's
business as presently conducted or on the Mortgage Loan Seller's ability to enter into this Agreement
and to consummate the transactions contemplated hereby;
the Mortgage Loan Seller has full corporate power to own its property, to carry on its
business as presently conducted and to enter into and perform its obligations under this Agreement;
the execution and delivery by the Mortgage Loan Seller of this Agreement has been duly
authorized by all necessary action on the part of the Mortgage Loan Seller; 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 Mortgage Loan Seller or its properties or the charter or by-laws of the Mortgage
Loan Seller, except those conflicts, breaches or defaults which would not reasonably be expected to have
a material adverse effect on the Mortgage Loan Seller's ability to enter into this Agreement and to
consummate the transactions contemplated hereby;
the execution, delivery and performance by the Mortgage Loan Seller of this Agreement
and the consummation of the transactions contemplated hereby do not require the consent or approval of,
the giving of notice to, the registration with, or the taking of any other action in respect of, any
state, federal or other governmental authority or agency, except those consents, approvals, notices,
registrations or other actions as have already been obtained, given or made and, in connection with the
recordation of the Mortgages, powers of attorney or assignments of Mortgages not yet completed;
this Agreement has been duly executed and delivered by the Mortgage Loan Seller and,
assuming due authorization, execution and delivery by the Purchaser, constitutes a valid and binding
obligation of the Mortgage Loan Seller 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);
there are no actions, suits or proceedings pending or, to the knowledge of the
Mortgage Loan Seller, threatened against the Mortgage Loan Seller, before or by any court,
administrative agency, arbitrator or governmental body (i) with respect to any of the transactions
contemplated by this Agreement or (ii) with respect to any other matter which in the judgment of the
Mortgage Loan Seller could reasonably be expected to be determined adversely to the Mortgage Loan Seller
and if determined adversely to the Mortgage Loan Seller materially and adversely affect the Mortgage
Loan Seller's ability to perform its obligations under this Agreement; and the Mortgage Loan Seller is
not in default with respect to any order of any court, administrative agency, arbitrator or governmental
body so as to materially and adversely affect the transactions contemplated by this Agreement; and
the Mortgage Loan Seller's Information (identified in Exhibit 3 hereof) does not
include any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements made, in light of the circumstances under which they were made, not misleading.
SECTION 9. Representations and Warranties Concerning the Purchaser. As of
the date hereof and as of the Closing Date, the Purchaser represents and warrants to the Mortgage Loan
Seller as follows:
the Purchaser (i) is a limited liability company duly organized, validly existing and
in good standing under the laws of the State of Delaware and (ii) is qualified and in good standing 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 Purchaser's business
as presently conducted or on the Purchaser's ability to enter into this Agreement and to consummate the
transactions contemplated hereby;
the Purchaser has full corporate power to own its property, to carry on its business
as presently conducted and to enter into and perform its obligations under this Agreement;
the execution and delivery by the Purchaser of this Agreement have been duly
authorized by all necessary corporate action on the part of the Purchaser; and neither the execution and
delivery of this Agreement, nor the consummation of the transactions herein contemplated, nor compliance
with the provisions hereof, will conflict with or result in a breach of, or constitute a default under,
any of the provisions of any law, governmental rule, regulation, judgment, decree or order binding on
the Purchaser or its properties or the certificate of formation or limited liability company agreement
of the Purchaser, except those conflicts, breaches or defaults which would not reasonably be expected to
have a material adverse effect on the Purchaser's ability to enter into this Agreement and to consummate
the transactions contemplated hereby;
the execution, delivery and performance by the Purchaser of this Agreement and the
consummation of the transactions contemplated hereby do not require the consent or approval of, the
giving of notice to, the registration with, or the taking of any other action in respect of, any state,
federal or other governmental authority or agency, except those consents, approvals, notices,
registrations or other actions as have already been obtained, given or made;
this Agreement has been duly executed and delivered by the Purchaser and, assuming due
authorization, execution and delivery by the Mortgage Loan Seller, constitutes a valid and binding
obligation of the Purchaser enforceable against it in accordance with its terms (subject to applicable
bankruptcy and insolvency laws and other similar laws affecting the enforcement of the rights of
creditors generally);
there are no actions, suits or proceedings pending or, to the knowledge of the
Purchaser, threatened against the Purchaser, before or by any court, administrative agency, arbitrator
or governmental body (i) with respect to any of the transactions contemplated by this Agreement or (ii)
with respect to any other matter which in the judgment of the Purchaser will be determined adversely to
the Purchaser and will if determined adversely to the Purchaser materially and adversely affect the
Purchaser's ability to perform its obligations under this Agreement; and the Purchaser is not in default
with respect to any order of any court, administrative agency, arbitrator or governmental body so as to
materially and adversely affect the transactions contemplated by this Agreement; and
the Purchaser's Information (identified in Exhibit 4 hereof) does not include any
untrue statement of a material fact or omit to state a material fact necessary in order to make the
statements made, in light of the circumstances under which they were made, not misleading.
SECTION 10. Conditions to Closing.
The obligations of the Purchaser under this Agreement will be subject to the
satisfaction, on or prior to the Closing Date, of the following conditions:
Each of the obligations of the Mortgage Loan Seller required to be performed
at or prior to the Closing Date pursuant to the terms of this Agreement shall have been duly
performed and complied with in all material respects; all of the representations and warranties
of the Mortgage Loan Seller under this Agreement shall be true and correct as of the date or
dates specified in all material respects; and no event shall have occurred which, with notice
or the passage of time, would constitute a default under this Agreement, or the Pooling and
Servicing Agreement; and the Purchaser shall have received certificates to that effect signed
by authorized officers of the Mortgage Loan Seller.
The Purchaser shall have received all of the following closing documents, in
such forms as are agreed upon and reasonably acceptable to the Purchaser, duly executed by all
signatories other than the Purchaser as required pursuant to the respective terms thereof:
If required pursuant to Section 3 hereof, the Amendment dated as of
the Closing Date and any documents referred to therein;
If required pursuant to Section 3 hereof, the Final Mortgage Loan
Schedule containing the information set forth on Exhibit 2 hereto, one copy to be
attached to each counterpart of the Amendment;
The Pooling and Servicing Agreement, in form and substance reasonably
satisfactory to the Trustee and the Purchaser, and all documents required thereby duly
executed by all signatories;
A certificate of an officer of the Mortgage Loan Seller dated as of
the Closing Date, in a form reasonably acceptable to the Purchaser, and attached
thereto copies of the charter and by-laws of the Mortgage Loan Seller and evidence as
to the good standing of the Mortgage Loan Seller dated as of a recent date;
One or more opinions of counsel from the Mortgage Loan Seller's
counsel otherwise in form and substance reasonably satisfactory to the Purchaser, the
Trustee and each Rating Agency;
A letter from each of the Rating Agencies giving each Class of
Certificates set forth on Schedule A hereto the rating set forth therein; and
Such other documents, certificates (including additional
representations and warranties) and opinions as may be reasonably necessary to secure
the intended ratings from each Rating Agency for the Certificates.
The Certificates to be sold to Bear Xxxxxxx pursuant to the Underwriting
Agreement and the Purchase Agreement, if applicable, shall have been issued and sold to Bear
Xxxxxxx.
The Mortgage Loan Seller shall have furnished to the Purchaser such other
certificates of its officers or others and such other documents and opinions of counsel to
evidence fulfillment of the conditions set forth in this Agreement and the transactions
contemplated hereby as the Purchaser and its counsel may reasonably request.
The obligations of the Mortgage Loan Seller under this Agreement shall be subject to
the satisfaction, on or prior to the Closing Date, of the following conditions:
The obligations of the Purchaser required to be performed by it on or prior to
the Closing Date pursuant to the terms of this Agreement shall have been duly performed and
complied with in all material respects, and all of the representations and warranties of the
Purchaser under this Agreement shall be true and correct in all material respects as of the
date hereof and as of the Closing Date, and no event shall have occurred which would constitute
a breach by it of the terms of this Agreement, and the Mortgage Loan Seller shall have received
a certificate to that effect signed by an authorized officer of the Purchaser.
The Mortgage Loan Seller shall have received copies of all of the following
closing documents, in such forms as are agreed upon and reasonably acceptable to the Mortgage
Loan Seller, duly executed by all signatories other than the Mortgage Loan Seller as required
pursuant to the respective terms thereof:
If required pursuant to Section 3 hereof, the Amendment dated as of
the Closing Date and any documents referred to therein;
The Pooling and Servicing Agreement, in form and substance reasonably
satisfactory to the Mortgage Loan Seller, and all documents required thereby duly
executed by all signatories;
A certificate of an officer of the Purchaser dated as of the Closing
Date, in a form reasonably acceptable to the Mortgage Loan Seller, and attached
thereto the written consent of the member of the Purchaser authorizing the
transactions contemplated by this Agreement and the Pooling and Servicing Agreement,
together with copies of the Purchaser's certificate of formation, limited liability
company agreement and evidence as to the good standing of the Purchaser dated as of a
recent date;
One or more opinions of counsel from the Purchaser's counsel in form
and substance reasonably satisfactory to the Mortgage Loan Seller; and
Such other documents, certificates (including additional
representations and warranties) and opinions as may be reasonably necessary to secure
the intended rating from each Rating Agency for the Certificates.
SECTION 11. Fees and Expenses. Subject to Section 16 hereof, the Mortgage
Loan Seller shall pay on the Closing Date or such later date as may be agreed to by the Purchaser (i)
the fees and expenses of the Mortgage Loan Seller's attorneys and the reasonable fees and expenses of
the Purchaser's attorneys, (ii) the fees and expenses of Deloitte & Touche LLP, (iii) the fee for the
use of Purchaser's Registration Statement based on the aggregate original principal amount of the
Certificates and the filing fee of the Commission as in effect on the date on which the Registration
Statement was declared effective, (iv) the fees and expenses including counsel's fees and expenses in
connection with any "blue sky" and legal investment matters, (v) the fees and expenses of the Trustee
which shall include without limitation the fees and expenses of the Trustee (and the fees and
disbursements of its counsel) with respect to (A) legal and document review of this Agreement, the
Pooling and Servicing Agreement, the Certificates and related agreements, (B) attendance at the Closing
and (C) review of the Mortgage Loans to be performed by the Trustee, (vi) the expenses for printing or
otherwise reproducing the Certificates, the Prospectus and the Prospectus Supplement, (vii) the fees and
expenses of each Rating Agency (both initial and ongoing), (viii) the fees and expenses relating to the
preparation and recordation of mortgage assignments (including intervening assignments, if any and if
available, to evidence a complete chain of title from the originator thereof to the Trustee) from the
Mortgage Loan Seller to the Trustee or the expenses relating to the Opinion of Counsel referred to in
Section 6(i) hereof, as the case may be, and (ix) Mortgage File due diligence expenses and other
out-of-pocket expenses incurred by the Purchaser in connection with the purchase of the Mortgage Loans
and by Bear Xxxxxxx in connection with the sale of the Certificates. The Mortgage Loan Seller
additionally agrees to pay directly to any third party on a timely basis the fees provided for above
which are charged by such third party and which are billed periodically.
SECTION 12. Accountants' Letters.
Deloitte & Touche LLP will review the characteristics of a sample of the Mortgage
Loans described in the Final Mortgage Loan Schedule and will compare those characteristics to the
description of the Mortgage Loans contained in the Prospectus Supplement under the captions "Summary of
Terms - The Mortgage Pool" and "Description of the Mortgage Loans" and in Schedule A thereto. The
Mortgage Loan Seller will cooperate with the Purchaser in making available all information and taking
all steps reasonably necessary to permit such accountants to complete the review and to deliver the
letters required of them under the Underwriting Agreement. Deloitte & Touche LLP will also confirm
certain calculations as set forth under the caption "Yield and Prepayment Considerations" in the
Prospectus Supplement.
To the extent statistical information with respect to the Service's servicing
portfolio is included in the Prospectus Supplement under the caption "The Servicer," a letter from the
certified public accountant for the Servicer will be delivered to the Purchaser dated the date of the
Prospectus Supplement, in the form previously agreed to by the Mortgage Loan Seller and the Purchaser,
with respect to such statistical information.
SECTION 13. Indemnification.
The Mortgage Loan Seller shall indemnify and hold harmless the Purchaser and its
directors, officers and controlling persons (as defined in Section 15 of the Securities Act) from and
against any loss, claim, damage or liability or action in respect thereof, to which they or any of them
may become subject, under the Securities Act or otherwise, insofar as such loss, claim, damage,
liability or action arises out of, or is based upon (i) any untrue statement of a material fact
contained in the Mortgage Loan Seller's Information as identified in Exhibit 3, the omission to state in
the Prospectus Supplement or Prospectus (or any amendment thereof or supplement thereto approved by the
Mortgage Loan Seller and in which additional Mortgage Loan Seller's Information is identified), in
reliance upon and in conformity with Mortgage Loan Seller's Information 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, (ii) any representation or warranty assigned or made by the Mortgage Loan
Seller in Section 7 or Section 8 hereof being, or alleged to be, untrue or incorrect, or (iii) any
failure by the Mortgage Loan Seller to perform its obligations under this Agreement; and the Mortgage
Loan Seller shall reimburse the Purchaser and each other indemnified party for any legal and other
expenses reasonably incurred by them in connection with investigating or defending or preparing to
defend against any such loss, claim, damage, liability or action.
The foregoing indemnity agreement is in addition to any liability which the Mortgage Loan
Seller otherwise may have to the Purchaser or any other such indemnified party.
The Purchaser shall indemnify and hold harmless the Mortgage Loan Seller and its
respective directors, officers and controlling persons (as defined in Section 15 of the Securities Act)
from and against any loss, claim, damage or liability or action in respect thereof, to which they or any
of them may become subject, under the Securities Act or otherwise, insofar as such loss, claim, damage,
liability or action arises out of, or is based upon (a) any untrue statement of a material fact
contained in the Purchaser's Information as identified in Exhibit 4, the omission to state in the
Prospectus Supplement or Prospectus (or any amendment thereof or supplement thereto approved by the
Purchaser and in which additional Purchaser's Information is identified), in reliance upon and in
conformity with the Purchaser's Information, 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,
(b) any representation or warranty made by the Purchaser in Section 9 hereof being, or alleged to be,
untrue or incorrect, or (c) any failure by the Purchaser to perform its obligations under this
Agreement; and the Purchaser shall reimburse the Mortgage Loan Seller, and each other indemnified party
for any legal and other expenses reasonably incurred by them in connection with investigating or
defending or preparing to defend any such loss, claim, damage, liability or action. The foregoing
indemnity agreement is in addition to any liability which the Purchaser otherwise may have to the
Mortgage Loan Seller, or any other such indemnified party,
Promptly after receipt by an indemnified party under subsection (i) or (ii) above of
notice of the commencement of any action, such indemnified party shall, if a claim in respect thereof is
to be made against the indemnifying party under such subsection, notify each party against whom
indemnification is to be sought in writing of the commencement thereof (but the failure so to notify an
indemnifying party shall not relieve such indemnified party from any liability which it may have under
this Section 13 except to the extent that it has been prejudiced in any material respect by such failure
or from any liability which it may have otherwise). In case any such action is brought against any
indemnified party, and it notifies an indemnifying party of the commencement thereof, the indemnifying
party will be entitled to participate therein and, to the extent it may elect by written notice
delivered to the indemnified party promptly (but, in any event, within 30 days) after receiving the
aforesaid notice from such indemnified party, to assume the defense thereof with counsel reasonably
satisfactory to such indemnified party. Notwithstanding the foregoing, the indemnified party or parties
shall have the right to employ its or their own counsel in any such case, but the fees and expenses of
such counsel shall be at the expense of such indemnified party or parties unless (a) the employment of
such counsel shall have been authorized in writing by one of the indemnifying parties in connection with
the defense of such action, (b) the indemnifying parties shall not have employed counsel to have charge
of the defense of such action within a reasonable time after notice of commencement of the action, or
(c) such indemnified party or parties shall have reasonably concluded that there is a conflict of
interest between itself or themselves and the indemnifying party in the conduct of the defense of any
claim or that the interests of the indemnified party or parties are not substantially co-extensive with
those of the indemnifying party (in which case the indemnifying parties shall not have the right to
direct the defense of such action on behalf of the indemnified party or parties), in any of which events
such fees and expenses shall be borne by the indemnifying parties (provided, however, that the
indemnifying party shall be liable only for the fees and expenses of one counsel in addition to one
local counsel in the jurisdiction involved. Anything in this subsection to the contrary notwithstanding,
an indemnifying party shall not be liable for any settlement or any claim or action effected without its
written consent; provided, however, that such consent was not unreasonably withheld.
If the indemnification provided for in paragraphs (i) and (ii) of this Section 13
shall for any reason be unavailable to an indemnified party in respect of any loss, claim, damage or
liability, or any action in respect thereof, referred to in Section 13, then the indemnifying party
shall in lieu of indemnifying the indemnified party contribute to the amount paid or payable by such
indemnified party as a result of such loss, claim, damage or liability, or action in respect thereof, in
such proportion as shall be appropriate to reflect the relative benefits received by the Mortgage Loan
Seller on the one hand and the Purchaser on the other from the purchase and sale of the Mortgage Loans,
the offering of the Certificates and the other transactions contemplated hereunder. No person found
liable for a fraudulent misrepresentation shall be entitled to contribution from any person who is not
also found liable for such fraudulent misrepresentation.
The parties hereto agree that reliance by an indemnified party on any publicly
available information or any information or directions furnished by an indemnifying party shall not
constitute negligence, bad faith or willful misconduct by such indemnified party.
SECTION 14. Notices. All demands, notices and communications hereunder
shall be in writing but may be delivered by facsimile transmission subsequently confirmed in writing.
Notices to the Mortgage Loan Seller shall be directed to EMC Mortgage Corporation, 0000 Xxxx Xxxxx
Xxxxx, Xxxxxxxxxx, Xxxxx 00000 (Telecopy: (000) 000-0000), and notices to the Purchaser shall be
directed to Structured Asset Mortgage Investments II Inc., 000 Xxxxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000
(Telecopy: ((000)-000-0000)), Attention: Xxxxx Xxxxxxxxxxx; or to any other address as may hereafter be
furnished by one party to the other party by like notice. Any such demand, notice or communication
hereunder shall be deemed to have been received on the date received at the premises of the addressee
(as evidenced, in the case of registered or certified mail, by the date noted on the return receipt)
provided that it is received on a Business Day during normal business hours and, if received after
normal business hours, then it shall be deemed to be received on the next Business Day.
SECTION 15. Transfer of Mortgage Loans. The Purchaser retains the right to
assign the Mortgage Loans and any or all of its interest under this Agreement to the Trustee without the
consent of the Mortgage Loan Seller, and, upon such assignment, the Trustee shall succeed to the
applicable rights and obligations of the Purchaser hereunder; provided, however, the Purchaser shall
remain entitled to the benefits set forth in Sections 11, 13 and 17 hereto and as provided in Section
2(i). Notwithstanding the foregoing, the sole and exclusive right and remedy of the Trustee with
respect to a breach of a representation or warranty of the Mortgage Loan Seller shall be the cure,
purchase or substitution obligations of the Mortgage Loan Seller contained in Sections 5 and 7 hereof.
SECTION 16. Termination. This Agreement may be terminated (a) by the mutual
consent of the parties hereto prior to the Closing Date, (b) by the Purchaser, if the conditions to the
Purchaser's obligation to close set forth under Section 10(1) hereof are not fulfilled as and when
required to be fulfilled or (c) by the Mortgage Loan Seller, if the conditions to the Mortgage Loan
Seller's obligation to close set forth under Section 10(2) hereof are not fulfilled as and when required
to be fulfilled. In the event of termination pursuant to clause (b), the Mortgage Loan Seller shall
pay, and in the event of termination pursuant to clause (c), the Purchaser shall pay, all reasonable
out-of-pocket expenses incurred by the other in connection with the transactions contemplated by this
Agreement. In the event of a termination pursuant to clause (a), each party shall be responsible for
its own expenses.
SECTION 17. Representations, Warranties and Agreements to Survive Delivery.
All representations, warranties and agreements contained in this Agreement, or contained in certificates
of officers of the Mortgage Loan Seller submitted pursuant hereto, shall remain operative and in full
force and effect and shall survive delivery of the Mortgage Loans to the Purchaser (and by the Purchaser
to the Trustee). Subsequent to the delivery of the Mortgage Loans to the Purchaser, the Mortgage Loan
Seller's representations and warranties contained herein with respect to the Mortgage Loans shall be
deemed to relate to the Mortgage Loans actually delivered to the Purchaser and included in the Final
Mortgage Loan Schedule and any Substitute Mortgage Loan and not to those Mortgage Loans deleted from the
Preliminary Mortgage Loan Schedule pursuant to Section 3 hereof prior to the closing of the transactions
contemplated hereby or any Deleted Mortgage Loan.
SECTION 18. Severability. If any provision of this Agreement shall be
prohibited or invalid under applicable law, this Agreement shall be ineffective only to such extent,
without invalidating the remainder of this Agreement.
SECTION 19. Counterparts. This Agreement may be executed in counterparts,
each of which will be an original, but which together shall constitute one and the same agreement.
SECTION 20. Amendment. This Agreement cannot be amended or modified in any
manner without the prior written consent of each party.
SECTION 21. GOVERNING LAW. THIS AGREEMENT SHALL BE DEEMED TO HAVE BEEN MADE
AND PERFORMED IN THE STATE OF NEW YORK WITHOUT GIVING EFFECT TO ITS CONFLICT OF LAWS PRINCIPLES (OTHER
THAN SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATION LAW) AND SHALL BE INTERPRETED IN
ACCORDANCE WITH THE LAWS OF SUCH STATE, WITHOUT REGARD TO CONFLICT OF LAWS PRINCIPLES OF SUCH STATE.
SECTION 22. Further Assurances. Each of the parties agrees to execute and
deliver such instruments and take such actions as another party may, from time to time, reasonably
request in order to effectuate the purpose and to carry out the terms of this Agreement including any
amendments hereto which may be required by either Rating Agency.
SECTION 23. Successors and Assigns. This Agreement shall bind and inure to
the benefit of and be enforceable by the Mortgage Loan Seller and the Purchaser and their permitted
successors and assigns and, to the extent specified in Section 13 hereof, Bear Xxxxxxx, and their
directors, officers and controlling persons (within the meaning of federal securities laws). The
Mortgage Loan Seller acknowledges and agrees that the Purchaser may assign its rights under this
Agreement (including, without limitation, with respect to the Mortgage Loan Seller's representations and
warranties respecting the Mortgage Loans) to the Trustee. Any person into which the Mortgage Loan
Seller may be merged or consolidated (or any person resulting from any merger or consolidation involving
the Mortgage Loan Seller), any person resulting from a change in form of the Mortgage Loan Seller or any
person succeeding to the business of the Mortgage Loan Seller, shall be considered the "successor" of
the Mortgage Loan Seller hereunder and shall be considered a party hereto without the execution or
filing of any paper or any further act or consent on the part of any party hereto. Except as provided in
the two preceding sentences and in Section 15 hereto, this Agreement cannot be assigned, pledged or
hypothecated by either party hereto without the written consent of the other parties to this Agreement
and any such assignment or purported assignment shall be deemed null and void.
SECTION 24. The Mortgage Loan Seller and the Purchaser. The Mortgage Loan
Seller and the Purchaser will keep in full effect all rights as are necessary to perform their
respective obligations under this Agreement.
SECTION 25. Entire Agreement. This Agreement contains the entire agreement
and understanding between the parties with respect to the subject matter hereof, and supersedes all
prior and contemporaneous agreements, understandings, inducements and conditions, express or implied,
oral or written, of any nature whatsoever with respect to the subject matter hereof.
SECTION 26. No Partnership. Nothing herein contained shall be deemed or
construed to create a partnership or joint venture between the parties hereto.
SECTION 27. Third Party Beneficiary. The parties to this Agreement agree
that the Certificate Insurer shall be a third party beneficiary of this Agreement.
[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]
IN WITNESS WHEREOF, the parties hereto have caused their names to be signed hereto by their
respective duly authorized officers as of the date first above written.
EMC MORTGAGE CORPORATION
By: ____________________________________
Name:
Title:
STRUCTURED ASSET MORTGAGE INVESTMENTS II INC.
By: ____________________________________
Name:
Title:
EXHIBIT 1
CONTENTS OF 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 or its designee, and which shall be
delivered to the Purchaser or its designee pursuant to the terms of the Agreement:
The original Mortgage Note, endorsed without recourse to the order of the Trustee and
showing an unbroken chain of endorsements from the original payee thereof to the Person
endorsing it to the Trustee, or a lost note affidavit;
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 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
Mortgage Loan Seller in time to permit their recording as specified in Section 2.01(b) of the
Pooling and Servicing Agreement, shall be in recordable form);
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 "Xxxxx Fargo Bank, National Association, as Trustee", with evidence of
recording with respect to each Mortgage Loan in the name of the Trustee thereon (or if 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 Mortgage Loan Seller in time to permit
their delivery as specified in Section 2.01(b) of the Pooling and Servicing Agreement, the
Mortgage Loan Seller may deliver a true copy thereof with a certification by the Mortgage Loan
Seller, 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");
All intervening assignments of the Security Instrument, if applicable and only to the
extent available to the Mortgage Loan Seller with evidence of recording thereon;
The original or a copy of the policy or certificate of primary mortgage guaranty
insurance, to the extent available, if any;
The original policy of title insurance or mortgagee's certificate of title insurance
or commitment or binder for title insurance; and
The originals of all modification agreements, if applicable and available.
EXHIBIT 2
MORTGAGE LOAN SCHEDULE INFORMATION
The Preliminary and Final Mortgage Loan Schedules shall set forth the following information
with respect to each Mortgage Loan:
the city, state and zip code of the Mortgaged Property;
the property type;
the Mortgage Interest Rate;
the Servicing Fee Rate;
the LPMI Fee, if applicable;
the Trustee Fee Rate, if applicable;
the Net Rate;
the maturity date;
the stated original term to maturity;
the stated remaining term to maturity;
the original Principal Balance;
the first payment date;
the principal and interest payment in effect as of the Cut-off Date;
the unpaid Principal Balance as of the Cut-off Date;
the Loan-to-Value Ratio at origination;
the insurer of any Primary Mortgage Insurance Policy;
the MIN with respect to each MOM Loan;
the Gross Margin, if applicable;
the next Adjustment Date, if applicable;
the Maximum Lifetime Mortgage Rate, if applicable;
the Minimum Lifetime Mortgage Rate, if applicable;
the Periodic Rate Cap, if applicable;
the Loan Group;
a code indicating whether the Mortgage Loan is negatively amortizing;
which Mortgage Loans adjust after an initial fixed-rate period of one, two, three, five, seven or ten
years or any other period;
the Prepayment Charge, if any;
lien position (e.g., first lien or second lien);
a code indicating whether the Mortgage Loan is has a balloon payment;
a code indicating whether the Mortgage Loan is an interest-only loan;
the interest-only term, if applicable;
the Mortgage Loan Seller; and
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.
EXHIBIT 3
MORTGAGE LOAN SELLER'S INFORMATION
All information in the Prospectus Supplement described under the following Sections: "SUMMARY
OF PROSPECTUS SUPPLEMENT -- The Mortgage Loans," and -- " Mortgage Pool Characteristics", "DESCRIPTION
OF THE MORTGAGE LOANS" and "SCHEDULE A -- CERTAIN CHARACTERISTICS OF THE MORTGAGE LOANS."
EXHIBIT 4
PURCHASER'S INFORMATION
All information in the Prospectus Supplement and the Prospectus, except the Mortgage Loan
Seller's Information.
EXHIBIT 5
SCHEDULE OF LOST NOTES
Available Upon Request
EXHIBIT 6
STANDARD & POOR'S LEVELS® GLOSSARY, VERSION 5.7 REVISED, APPENDIX E
APPENDIX E - Standard & Poor's Anti-Predatory Lending Categorization
Standard & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions
listed below into three categories based upon a combination of factors that include (a) the risk
exposure associated with the assignee liability and (b) the tests and thresholds set forth in those
laws. Note that certain loans classified by the relevant statute as Covered are included in Standard &
Poor's High Cost Loan Category because they included thresholds and tests that are typical of what is
generally considered High Cost by the industry.
Standard & Poor's High Cost Loan Categorization
---------------------------------------------------------------------------------------------------------------------
State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable
Date Anti-Predatory Lending Law
---------------------------------- ------------------------------------------------- --------------------------------
Arkansas Arkansas Home Loan Protection Act, Ark. Code High Cost Home Loan
Xxx. §§ 00-00-000 et seq.
Effective July 16, 2003
---------------------------------- ------------------------------------------------- --------------------------------
Cleveland Heights, OH Ordinance No. 72-2003 (PSH), Mun. Code §§ Covered Loan
757.01 et seq.
Effective June 2, 2003
---------------------------------- ------------------------------------------------- --------------------------------
Colorado Consumer Equity Protection, Colo. Stat. Xxx. §§ Covered Loan
5-3.5-101 et seq.
Effective for covered loans offered or entered
into on or after January 1, 2003. Other
provisions of the Act took effect on June 7,
2002
---------------------------------- ------------------------------------------------- --------------------------------
Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan
Act, Conn. Gen. Stat. §§ 36a-746 et seq.
Effective October 1, 2001
---------------------------------- ------------------------------------------------- --------------------------------
District of Columbia Home Loan Protection Act, D.C. Code §§ Covered Loan
26-1151.01 et seq.
Effective for loans closed on or after January
28, 2003
---------------------------------- ------------------------------------------------- --------------------------------
Florida Fair Lending Act, Fla. Stat. Xxx. §§ 494.0078 High Cost Home Loan
et seq.
Effective October 2, 2002
---------------------------------- ------------------------------------------------- --------------------------------
Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ High Cost Home Loan
2003) 7-6A-1 et seq.
---------------------------------- ------------------------------------------------- --------------------------------
Georgia as amended (Mar. 7, 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ High Cost Home Loan
- current) 7-6A-1 et seq.
Effective for loans closed on or after March 7,
2003
---------------------------------- ------------------------------------------------- --------------------------------
HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan
1994, 15 U.S.C. § 1639, 12 C.F.R. §§ 226.32 and
226.34
Effective October 1, 1995, amendments October
1, 2002
---------------------------------- ------------------------------------------------- --------------------------------
Illinois High Risk Home Loan Act, Ill. Comp. Stat. tit. High Risk Home Loan
815, §§ 137/5 et seq.
Effective January 1, 2004 (prior to this date,
regulations under Residential Mortgage License
Act effective from May 14, 2001)
---------------------------------- ------------------------------------------------- --------------------------------
Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. High Cost Home Loan
§§ 24-9-1-1 et seq.
Effective for loans originated on or after
January 1, 2005.
---------------------------------- ------------------------------------------------- --------------------------------
Kansas Consumer Credit Code, Kan. Stat. Xxx. §§ High Loan to Value Consumer
16a-1-101 et seq. Loan (id. § 16a-3-207) and;
Sections 16a-1-301 and 16a-3-207 became
effective April 14, 1999; Section 16a-3-308a
became effective July 1, 1999
High APR Consumer Loan (id. §
16a-3-308a)
---------------------------------- ------------------------------------------------- --------------------------------
Kentucky 2003 KY H.B. 000 - Xxxx Xxxx Xxxx Xxxx Xxx, Xx. High Cost Home Loan
Rev. Stat. §§ 360.100 et seq.
Effective June 24, 2003
---------------------------------- ------------------------------------------------- --------------------------------
Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, §§ High Rate High Fee Mortgage
8-101 et seq.
Effective September 29, 1995 and as amended
from time to time
---------------------------------- ------------------------------------------------- --------------------------------
Massachusetts Part 40 and Part 32, 209 C.M.R. §§ 32.00 et High Cost Home Loan
seq. and 209 C.M.R. §§ 40.01 et seq.
Effective March 22, 2001 and amended from time
to time
---------------------------------- ------------------------------------------------- --------------------------------
Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan
Mass. Gen. Laws ch. 183C, §§ 1 et seq.
Effective November 7, 2004
---------------------------------- ------------------------------------------------- --------------------------------
Nevada Assembly Xxxx No. 284, Nev. Rev. Stat. §§ Home Loan
598D.010 et seq.
Effective October 1, 2003
---------------------------------- ------------------------------------------------- --------------------------------
New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan
N.J. Rev. Stat. §§ 46:10B-22 et seq.
Effective for loans closed on or after November
27, 2003
---------------------------------- ------------------------------------------------- --------------------------------
New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ High Cost Home Loan
58-21A-1 et seq.
Effective as of January 1, 2004; Revised as of
February 26, 2004
---------------------------------- ------------------------------------------------- --------------------------------
New York N.Y. Banking Law Article 6-l High Cost Home Loan
Effective for applications made on or after
April 1, 2003
---------------------------------- ------------------------------------------------- --------------------------------
North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan
Loans, N.C. Gen. Stat. §§ 24-1.1E et seq.
Effective July 1, 2000; amended October 1, 2003
(adding open-end lines of credit)
---------------------------------- ------------------------------------------------- --------------------------------
Ohio H.B. 386 (codified in various sections of the Covered Loan
Ohio Code), Ohio Rev. Code Xxx. §§ 1349.25 et
seq.
Effective May 24, 2002
---------------------------------- ------------------------------------------------- --------------------------------
Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage
sections of Title 14A)
Effective July 1, 2000; amended effective
January 1, 2004
---------------------------------- ------------------------------------------------- --------------------------------
South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan
Loans Act, S.C. Code
Xxx. §§ 37-23-10 et seq.
Effective for loans taken on or after January
1, 2004
---------------------------------- ------------------------------------------------- --------------------------------
West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan
Broker and Servicer Act, W. Va. Code Xxx. §§ Act Loan
31-17-1 et seq.
Effective June 5, 2002
---------------------------------- ------------------------------------------------- --------------------------------
Standard & Poor's Covered Loan Categorization
---------------------------------- ------------------------------------------------- --------------------------------
State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable
Date Anti-Predatory Lending Law
---------------------------------- ------------------------------------------------- --------------------------------
Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Covered Loan
2003) 7-6A-1 et seq.
Effective October 1, 2002 - March 6, 2003
---------------------------------- ------------------------------------------------- --------------------------------
New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan
N.J. Rev. Stat. §§ 46:10B-22 et seq.
Effective November 27, 2003 - July 5, 2004
---------------------------------- ------------------------------------------------- --------------------------------
Standard & Poor's Home Loan Categorization
---------------------------------- ------------------------------------------------- --------------------------------
State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable
Date Anti-Predatory Lending Law
---------------------------------- ------------------------------------------------- --------------------------------
Georgia (Oct. 1, 2002 - Mar. 0, Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. §§ Home Loan
2003) 7-6A-1 et seq.
Effective October 1, 2002 - March 6, 2003
---------------------------------- ------------------------------------------------- --------------------------------
New Jersey New Jersey Home Ownership Security Home Loan
Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et
seq.
Effective for loans closed on or after November
27, 2003
---------------------------------- ------------------------------------------------- --------------------------------
New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ Home Loan
58-21A-1 et seq.
Effective as of January 1, 2004; Revised as of
February 26, 2004
---------------------------------- ------------------------------------------------- --------------------------------
North Carolina Restrictions and Limitations on High Cost Home Consumer Home Loan
Loans, N.C. Gen. Stat. §§ 24-1.1E et seq.
Effective July 1, 2000; amended October 1, 2003
(adding open-end lines of credit)
---------------------------------- ------------------------------------------------- --------------------------------
South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan
Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq.
Effective for loans taken on or after January
1, 2004
---------------------------------- ------------------------------------------------- --------------------------------
SCHEDULE A
REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES
------------------------------- -------------------- ---------------------
Offered Certificates S&P Xxxxx'x
------------------------------- -------------------- ---------------------
Class A-1 AAA Aaa
------------------------------- -------------------- ---------------------
Class A-2 AAA Aaa
------------------------------- -------------------- ---------------------
Class B-1 AA Aaa
------------------------------- -------------------- ---------------------
Class B-2 A Aa3
------------------------------- -------------------- ---------------------
Class B-3 BBB A3
------------------------------- -------------------- ---------------------
Class B-4 BBB- Baa1
------------------------------- -------------------- ---------------------
The Class XP, Class R, Class R-X and Class B-IO Certificates have not been rated.
None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such
ratings by the Rating Agencies.
SCHEDULE B
MORTGAGE LOAN SCHEDULE
(Provided upon request)
EXHIBIT I
FORM OF TRUSTEE LIMITED POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, that Xxxxx Fargo Bank, National Association, a banking corporation,
having a place of business at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, as Trustee (and in
no personal or other representative capacity) under the Pooling and Servicing Agreement, dated
as of November 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee
and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from
time to time, the "Agreement"; capitalized terms not defined herein have the definitions
assigned to such terms in the Agreement), relating to the Bear Xxxxxxx Mortgage Funding Trust
2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4, hereby appoints _______________,
in its capacity as Servicer under the Agreement, as the Trustee's true and lawful Special
Attorney-in-Fact, in the Trustee's name, place and stead and for the Trustee's benefit, but
only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may
be customary, necessary and appropriate to effectuate the following enumerated transactions in
respect of any mortgage, deed of trust, promissory note or real estate owned from time to time
owned (beneficially or in title, whether the Trustee is named therein as mortgagee or
beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or
other conveyance) or held by or registered to the Trustee (directly or through custodians or
nominees), or in respect of which the Trustee has a security interest or other lien, all as
provided under the applicable Agreement and only to the extent the respective Trustee has an
interest therein under the Agreement, and in respect of which the Servicer is acting as
servicer pursuant to the Agreement (the "Mortgage Documents").
This appointment shall apply to the following enumerated transactions under the Agreement only:
1. The modification or re-recording of any Mortgage Document for the purpose of correcting it to
conform to the original intent of the parties thereto or to correct title errors discovered after title
insurance was issued and where such modification or re-recording does not adversely affect the lien
under the Mortgage Document as insured.
2. The subordination of the lien under a Mortgage Document to an easement in favor of a public
utility company or a state or federal agency or unit with powers of eminent domain including, without
limitation, the execution of partial satisfactions/releases, partial reconveyances and the execution of
requests to trustees to accomplish same.
3. The conveyance of the properties subject to a Mortgage Document to the applicable mortgage
insurer, or the closing of the title to the property to be acquired as real estate so owned, or
conveyance of title to real estate so owned.
4. The completion of loan assumption and modification agreements in respect of Mortgage Documents.
5. The full or partial satisfaction/release of a Mortgage Document or full conveyance upon payment
and discharge of all sums secured thereby, including, without limitation, cancellation of the related
note.
6. The assignment of any Mortgage Document, in connection with the repurchase of the mortgage loan
secured and evidenced thereby.
7. The full assignment of a Mortgage Document upon payment and discharge of all sums secured
thereby in conjunction with the refinancing thereof, including, without limitation, the assignment of
the related note.
8. With respect to a Mortgage Document, the foreclosure, the taking of a deed in lieu of
foreclosure, or the completion of judicial or non-judicial foreclosure or termination, cancellation or
rescission of any such foreclosure, including, without limitation, any and all of the following acts:
the substitution of trustee(s) serving under a deed of trust, in accordance with state law and the deed
of trust;
b. the preparation and issuance of statements of breach or non-performance;
c. the preparation and filing of notices of default and/or notices of sale;
d. the cancellation/rescission of notices of default and/or notices of sale;
e. the taking of a deed in lieu of foreclosure; and
f. the preparation and execution of such other documents and performance of such other
actions as may be necessary under the terms of the Mortgage Document or state law to
expeditiously complete said transactions in paragraphs 8(a) through 8(e), above.
9. Demand, xxx for, recover, collection and receive each and every sum of money, debt, account and
interest (which now is, or hereafter shall become due and payable) belonging to or claimed by the
Trustee under the Mortgage Documents, and to use or take any lawful means for recovery thereof by legal
process or otherwise.
10. Endorse on behalf of the Trustee all checks, drafts and/or negotiable instruments made payable
to the Trustee in respect of the Mortgage Documents.
The Trustee gives the Special Attorney-in-Fact full power and authority to execute such instruments and
to do and perform all and every act and thing necessary and proper to carry into effect the power or
powers granted by this Limited Power of Attorney, subject to the terms and conditions set forth in the
Agreement including the standard of care applicable to the servicer in the Agreement, and hereby does
ratify and confirm what such Special Attorney-in-Fact shall lawfully do or cause to be done by authority
hereof.
IN WITNESS WHEREOF, the Trustee has caused its corporate name and seal to be hereto signed and
affixed and these presents to be acknowledged by its duly elected and authorized officer this ___ day of
_________ , 20__.
Xxxxx Fargo Bank, National Association,
as Trustee
By: ______________________________
Name:
Title:
WITNESS: WITNESS:
_______________________________ _______________________________
Name: Name:
Title: Title:
XXXXX XX XXX XXXX
XX
XXXXXX XX XXX XXXX
Xx ______________, 20___, before me, the undersigned, a Notary Public in and for said state,
personally appeared __________________, personally known to me to be the person whose name is subscribed
to the within instrument, and such person acknowledged to me that such person executed the within
instrument in such person's authorized capacity as a Senior Vice President of Xxxxx Fargo Bank, National
Association, and that by such signature on the within instrument the entity upon behalf of which such
person acted executed the instrument.
WITNESS my hand and official seal.
______________________________
Notary Public
EXHIBIT J
[RESERVED]
EXHIBIT K
LOAN LEVEL FORMAT FOR TAPE INPUT,
SERVICER PERIOD REPORTING
The format for the tape should be:
1. Record length of 240
2. Blocking factor of 07 records per block
3. ASCII
4. Unlabeled tape
5. 6250 or 1600 BPI (please indicate)
COBOL
Field Name Position Length "picture"
[Reserved] 001-002 2 "01"
Unit Code 003-004 2 " "
Loan Number 005-014 10 X(10)
Borrower Name 015-034 20 X(20)
Old Payment Amount 035-045 11 S9(9)V9(02)
Old Loan Rate 046-051 6 9(2)V9(04)
Servicer Fee Rate 052-057 6 9(2)V9(04)
Servicer Ending Balance 058-068 11 S9(9)V9(02)
Servicer Next Due Date 069-076 8 CCYYMMDD
Curtail Amt 1 - Before 077-087 11 S9(9)V9(02)
Curtail Date 1 088-095 8 CCYYMMDD
Curtail Amt 1 - After 096-106 11 S9(9)V9(02)
Curtail Amt 2 - Before 107-117 11 S9(9)V9(02)
Curtail Date 2 118-125 8 CCYYMMDD
Curtail Amt 2 - After 126-136 11 S9(9)V9(02)
Curtail Amt 3 - Before 137-147 11 S9(9)V9(02)
Curtail Date 3 148-155 8 CCYYMMDD
Curtail Amt 3 - After 156-166 11 S9(9)V9(02)
New Payment Amount 167-177 11 S9(9)V9(02)
New Loan Rate 178-183 6 9(2)V9(04)
Index Rate 184-189 6 9(2)V9(04)
Remaining Term 190-192 3 9(3)
Liquidation Amount 193-203 11 S9(9)V9(02)
Action Code 204-205 2 X(02)
Scheduled Principal 206-216 11 S9(9)V9(02)
Scheduled Interest 217-227 11 S9(9)V9(02)
Scheduled Ending Balance 228-238 11 S9(9)V9(02)
FILLER 239-240 2 X(02)
Trailer Record:
Number of Records 001-006 6 9(06)
FILLER 000-000 000 X(234)
Field Names and Descriptions:
Field Name Description
[Reserved] Hard code as "01" used internally
Unit Code Hard code as " " used internally
Loan Number Investor's loan number
Borrower Name Last name of borrower
Old Payment Amount P&I amount used for the applied payment
Old Loan Rate Gross interest rate used for the applied payment
Servicer Fee Rate Servicer's fee rate
Servicer Ending Balance Ending actual balance after a payment has been applied
Servicer Next Due Date Borrower's next due date for a payment
Curtailment Amount 1 - Before Amount of curtailment applied before the payment
Curtailment Date 1 Date of curtailment should coincide with the payment date
applicable to the curtailment
Curtailment Amount 1 - After Amount of curtailment applied after the payment
Curtailment Amount 2 - Before Amount of curtailment applied before the payment
Curtailment Date 2 Date of curtailment should coincide with the payment date
applicable to the curtailment
Curtailment Amount 2 - After Amount of curtailment applied after the payment
Curtailment Amount 3 - Before Amount of curtailment applied before the payment
Curtailment Date 3 Date of curtailment should coincide with the payment date
applicable to the curtailment
Curtailment Amount 3 - After Amount of curtailment applied after the payment
New Payment Amount For ARM, Equal, or Buydown loans, when a payment change
occurs, this is the scheduled payment
New Loan Rate For ARM loans, when the gross interest rate change occurs,
this is the scheduled rate
Index Rate For ARM loans, the index rate used in calculating the new
gross interest rate
Remaining Term For ARM loans, the number of months left on the loan used
to determine the new P&I amount
Liquidation Amount The payoff amount of the loan
Action Code For delinquent loans:
12 -- Relief Provisions
15 -- Bankruptcy/Litigation
20 -- Referred for Deed-in-lieu, short sale
30 -- Referred to attorney to begin foreclosure
60 -- Loan Paid in full
70 -- Real Estate Owned
Scheduled Principal Amount of principal from borrower payment due to
bondholder
Scheduled Interest Amount of interest from borrower payment due to bondholder
Scheduled Ending Balance Ending scheduled balance of loan
FILLER Should be filled with spaces
EXHIBIT L
REPORTING DATA FOR DEFAULTED LOANS
Data must be submitted to Xxxxx Fargo Bank in an Excel spreadsheet format with fixed field names and
data type. The Excel spreadsheet should be used as a template consistently every month when submitting
data.
Table: Delinquency
Name Type Size
Servicer Loan # Number (Double) 8
Investor Loan # Number (Double) 8
Borrower Name Text 20
Address Text 30
State Text 2
Due Date Date/Time 8
Action Code Text 2
FC Received Date/Time 8
File Referred to Atty Date/Time 8
NOD Date/Time 8
Complaint Filed Date/Time 8
Sale Published Date/Time 8
Target Sale Date Date/Time 8
Actual Sale Date Date/Time 8
Loss Mit Approval Date Date/Time 8
Loss Mit Type Text 5
Loss Mit Estimated Completion Date Date/Time 8
Loss Mit Actual Completion Date Date/Time 8
Loss Mit Broken Plan Date Date/Time 8
BK Chapter Text 6
BK Filed Date Date/Time 8
Post Petition Due Date/Time 8
Motion for Relief Date/Time 8
Lift of Stay Date/Time 8
RFD Text 10
Occupant Code Text 10
Eviction Start Date Date/Time 8
Eviction Completed Date Date/Time 8
List Price Currency 8
List Date Date/Time 8
Accepted Offer Price Currency 8
Accepted Offer Date Date/Time 8
Estimated REO Closing Date Date/Time 8
Actual REO Sale Date Date/Time 8
o Items in bold are MANDATORY FIELDS. We must receive information in those fields every month in
order for your file to be accepted.
The Action Code Field should show the applicable numeric code to indicate that a special action is being
taken. The Action Codes are the following:
12-Relief Provisions
15-Bankruptcy/Litigation
20-Referred for Deed-in-Lieu
30-Referred fore Foreclosure
00-Xxxxxx
00-Xxxxxxxxxx
00-XXX-Xxxx for Sale
71-Third Party Sale/Condemnation
72-REO-Pending Conveyance-Pool Insurance claim filed
Xxxxx Fargo Bank will accept alternative Action Codes to those above, provided that the Codes are
consistent with industry standards. If Action Codes other than those above are used, the Servicer must
supply Xxxxx Fargo Bank with a description of each of the Action Codes prior to sending the file.
Description of Action Codes:
Action Code 12 - To report a Mortgage Loan for which the Borrower has been granted relief for curing a
delinquency. The Action Date is the date the relief is expected to end. For military indulgence, it
will be three months after the Borrower's discharge from military service.
Action Code 15 - To report the Borrower's filing for bankruptcy or instituting some other type of
litigation that will prevent or delay liquidation of the Mortgage Loan. The Action Date will be either
the date that any repayment plan (or forbearance) instituted by the bankruptcy court will expire or an
additional date by which the litigation should be resolved.
Action Code 20 - To report that the Borrower has agreed to a deed-in-lieu or an assignment of the
property. The Action Date is the date the Servicer decided to pursue a deed-in-lieu or the assignment.
Action Code 30 - To report that the decision has been made to foreclose the Mortgage Loan. The Action
Date is the date the Servicer referred the case to the foreclosure attorney.
Action Code 60 - To report that a Mortgage Loan has been paid in full either at, or prior to, maturity.
Action Code 65 - To report that the Servicer is repurchasing the Mortgage Loan.
Action Code 70 - To report that a Mortgage Loan has been foreclosed or a deed-in-lieu of foreclosure has
been accepted, and the Servicer, on behalf of the owner of the Mortgage Loan, has acquired the property
and may dispose of it. The Action Date is the date of the foreclosure sale or, for deeds-in-lieu, the
date the deed is recorded on behalf of the owner of the Mortgage Loan.
Action Code 71 - To report that a Mortgage Loan has been foreclosed and a third party acquired the
property, or a total condemnation of the property has occurred. The Action Date is the date of the
foreclosure sale or the date the condemnation award was received.
Action Code 72 - To report that a Mortgage Loan has been foreclosed, or a deed-in-lieu has been
accepted, and the property may be conveyed to the mortgage insurer and the pool insurance claim has been
filed. The Action Date is the date of the foreclosure sale, or, for deeds-in-lieu, the date of the deed
for conventional mortgages.
The Loss Mit Type field should show the approved Loss Mitigation arrangement. The following are
acceptable:
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
Xxxxx Fargo Bank will accept alternative Loss Mitigation Types to those above, provided that they are
consistent with industry standards. If Loss Mitigation Types other than those above are used, the
Servicer must supply Xxxxx Fargo Bank with a description of each of the Loss Mitigation Types prior to
sending the file.
The Occupant Code field should show the current status of the property. The acceptable codes are:
Mortgagor
Tenant
Unknown
Vacant
EXHIBIT M
[RESERVED]
EXHIBIT N
FORM OF CAP CONTRACTS
[OBJECT OMITTED]]
BEAR XXXXXXX FINANCIAL PRODUCTS INC.
000 XXXXXXX XXXXXX
XXX XXXX, XXX XXXX 00000
000-000-0000
DATE: November 30, 2006
TO: Xxxxx Fargo Bank, National Association, not individually, but solely
as Trustee for Bear Xxxxxxx Mortgage Funding Trust 2006-AR4
ATTENTION: Client Manager, BSMF 06-AR4
TELEPHONE: 410-884-2000
FACSIMILE: 000-000-0000
FROM: Derivatives Documentation
TELEPHONE: 000-000-0000
FACSIMILE: 000-000-0000
SUBJECT: Mortgage Derivatives Confirmation and Agreement
REFERENCE NUMBER: [_____________]
The purpose of this letter agreement ("Agreement") is to confirm the terms and conditions of the
Transaction entered into on the Trade Date specified below (the " Transaction") between Bear Xxxxxxx
Financial Products Inc. ("Bear Xxxxxxx") and Bear Xxxxxxx Mortgage Funding Trust 2006-AR4 ("Counterparty")
pursuant to the Pooling and Servicing Agreement, dated as of November 1, 2006 (the "Pooling and Servicing
Agreement") between Xxxxx Fargo Bank, National Association as trustee (the "Trustee"), Structured Asset
Mortgage Investments II Inc. as depositor (the "Depositor") and EMC Mortgage Corporation, as servicer,
sponsor and company, entered into in connection with the issuance by the Counterparty of certain Bear
Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through Certificates, Series 2006-AR4. This letter
agreement constitutes the sole and complete "Confirmation," as referred to in the "ISDA Master Agreement"
(as defined below), as well as a "Schedule" as referred to in the ISDA Master Agreement.
(1) This Confirmation is subject to the 2000 ISDA Definitions (the "Definitions"), as published by the
International Swaps and Derivatives Association, Inc. ("ISDA"). Any reference to a "Swap
Transaction" in the Definitions is deemed to be a reference to a "Transaction" for purposes of this
Agreement, and any reference to a "Transaction" in this Agreement is deemed to be a reference to a
"Swap Transaction" for purposes of the Definitions. This Confirmation shall supplement, form a part
of, and be subject to an agreement in the form of the ISDA Master Agreement (Multicurrency - Cross
Border) as published and copyrighted in 1992 by the International Swaps and Derivatives Association,
Inc. (the "ISDA Master Agreement"), as if Bear Xxxxxxx and Counterparty had executed an agreement in
such form on the date hereof, with a Schedule as set forth in Item 4 of this Confirmation (the
"Schedule"), and an ISDA Credit Support Annex (Bilateral Form - ISDA Agreements Subject to New York
Law Only version) as published and copyrighted in 1994 by the International Swaps and Derivatives
Association, Inc., with Paragraph 13 thereof as set forth in Annex A hereto (the "Credit Support
Annex"). For the avoidance of doubt, the Transaction described herein shall be the sole Transaction
governed by such ISDA Master Agreement. In the event of any inconsistency among any of the
following documents, the relevant document first listed shall govern: (i) this Confirmation,
exclusive of the provisions set forth in Item 4 hereof and Annex A hereto; (ii) the Schedule; (iii)
the Credit Support Annex; (iv) the Definitions; and (v) the ISDA Master Agreement. Terms capitalized
but not defined herein shall have the meanings attributed to them in the Pooling and Servicing
Agreement.
Each reference herein to a "Section" (unless specifically referencing the Pooling and Servicing
Agreement or to a "Section" "of this Agreement" will be construed as a reference to a Section of
the ISDA Master Agreement; each herein reference to a "Part" will be construed as a reference to
Schedule; each reference herein to a "Paragraph" will be construed as a reference to a Paragraph
of the Credit Support Annex.
(2) The terms of the particular Transaction to which this Confirmation relates are as follows:
Type of Transaction: Rate Cap
Notional Amount: With respect to any Calculation Period, the lesser of (i)
the Scheduled Amount set forth for such period on the
Schedule I attached hereto and (ii) the aggregate Current
Principal Amount of the Class [___] Certificates immediately
prior to the Distribution Date occurring in the calendar
month in which such Calculation Period ends.
Trade Date: November 27, 2006
Effective Date: November 30, 2006
Termination Date: October 25, 2011
Fixed Amount (Premium):
Fixed Rate Payer: Counterparty
Fixed Rate Payer
Payment Date: November 30, 2006
Fixed Amount: USD [______]
Floating Amounts:
Floating Rate Payer: Bear Xxxxxxx
Cap Rate: The Cap Rate set forth for such Calculation Period on
Schedule I
Floating Rate Payer
Period End Dates: The 25th calendar day of each month during the Term of this
Transaction, commencing December 25, 2006 and ending on the
Termination Date, subject to adjustment in accordance with
the Business Day Convention.
Floating Rate Payer
Payment Dates: Early Payment shall be applicable. The Floating Rate Payer
Payment Date shall be one Business Day preceding each
Floating Rate Payer Period End Date.
Floating Rate Option: USD-LIBOR-BBA
Designated Maturity: One month
Floating Rate Day
Count Fraction: Actual/360
Reset Dates: The first day of each Calculation Period.
Compounding: Inapplicable
Business Days: New York
Business Day Convention: Following
Calculation Agent: Bear Xxxxxxx
(3) Additional Provisions: For each Calculation Period, Counterparty will make
available on its website xxxxx://xxx.xxxxxxx.xxx indicating
the Current Principal Amount of the Class [__] Certificates
as of the first day of the month in which such Calculation
Period begins.
(4) Provisions Deemed Incorporated in a Schedule to the ISDA Master Agreement:
Part 1. Termination Provisions.
For purposes of the ISDA Master Agreement:
(a) "Specified Entity" will not apply to Bear Xxxxxxx or Counterparty for any purpose.
(b) "Specified Transactions" will not apply to Bear Xxxxxxx or Counterparty for any purpose.
(c) The "Failure to Pay or Deliver" provisions of Section 5(a)(i) will apply to Bear Xxxxxxx and will
apply to Counterparty; provided that notwithstanding anything to the contrary in Section 5(a)(i)
or Paragraph 7 of the Credit Support Annex, any failure by Bear Xxxxxxx to comply with or perform
any obligation to be complied with or performed by Bear Xxxxxxx under the Credit Support Annex
shall not constitute an Event of Default under Section 5(a)(i) unless (A) a Xxxxx'x Second Level
Downgrade has occurred and been continuing for 30 or more Local Business Days and (B) such
failure is not remedied on or before the third Local Business Day after notice of such failure is
given to Bear Xxxxxxx.
(d) The "Breach of Agreement" provisions of Section 5(a)(ii) will apply to Bear Xxxxxxx and will not
apply to Counterparty.
(e) The "Credit Support Default" provisions of Section 5(a)(iii) will apply to (x) Bear Xxxxxxx;
provided that notwithstanding anything to the contrary in Section 5(a)(iii)(1), any failure by
Bear Xxxxxxx to comply with or perform any obligation to be complied with or performed by Bear
Xxxxxxx under the Credit Support Annex shall not constitute an Event of Default under Section
5(a)(iii) unless (A) a Xxxxx'x Second Level Downgrade has occurred and been continuing for 30 or
more Local Business Days and (B) such failure is not remedied on or before the third Local
Business Day after notice of such failure is given to Bear Xxxxxxx and (y) Counterparty solely in
respect of Counterparty's obligations under Paragraph 3(b) of the Credit Support Annex.
(f) The "Misrepresentation" provisions of Section 5(a)(iv) will apply to Bear Xxxxxxx and will not
apply to Counterparty.
(g) The "Default under Specified Transaction" provisions of Section 5(a)(v) will not apply to Bear
Xxxxxxx or Counterparty.
(h) The "Cross Default" provisions of Section 5(a)(vi) will apply to Bear Xxxxxxx and will not apply
to Counterparty.
"Specified Indebtedness" will have the meaning specified in Section 14.
"Threshold Amount" means USD [_______].
(i) The "Bankruptcy" provisions of Section 5(a)(vii) will apply to Bear Xxxxxxx and will apply to
Counterparty except that the provisions of Section 5(a)(vii)(2), (6) (to the extent that such
provisions refer to any appointment contemplated or effected by the Pooling and Servicing
Agreement or any appointment to which Counterparty has not become subject to), (7) and (9) will
not apply to Counterparty; provided that, with respect to Counterparty only, Section 5(a)(vii)(4)
is hereby amended by adding after the words "against it" the words "(excluding any proceeding or
petition instituted or presented by Bear Xxxxxxx)", and Section 5(a)(vii)(8) is hereby amended by
deleting the words "to (7) inclusive" and inserting lieu thereof ", (3), (4) as amended, (5) or
(6) as amended".
(j) The "Tax Event Upon Merger" provisions of Section 5(b)(iii) will apply to Bear Xxxxxxx and will
apply to Counterparty; provided that Bear Xxxxxxx shall not be entitled to designate an Early
Termination Date by reason of a Tax Event upon Merger in respect of which it is the Affected
Party.
(k) The "Credit Event Upon Merger" provisions of Section 5(b)(iv) will not apply to Bear Xxxxxxx or
Counterparty.
(l) The "Automatic Early Termination" provision of Section 6(a) will not apply to Bear Xxxxxxx or to
Counterparty.
(m) Payments on Early Termination. For the purpose of Section 6(e) of the ISDA Master Agreement:
(1) Market Quotation will apply; and
(2) the Second Method will apply;
provided that if Bear Xxxxxxx is the Defaulting Party or the sole Affected Party, the
following provisions will apply:
(A) Section 6(e) of the ISDA Master Agreement will be amended by inserting
on the first line "or is effectively designated" after "If an Early Termination
Date occurs";
(B) The definition of Market Quotation in Section 14 shall be deleted in
its entirety and replaced with the following:
"Market Quotation" means, with respect to one or more Terminated
Transactions, and a party making the determination, an amount
determined on the basis of Firm Offers from Reference Market-makers
that are Eligible Replacements. Each Firm Offer will be (1) for an
amount that would be paid to Counterparty (expressed as a negative
number) or by Counterparty (expressed as a positive number) in
consideration of an agreement between Counterparty and such Reference
Market-maker to enter into a Replacement Transaction and (2) made on
the basis that Unpaid Amounts in respect of the Terminated Transaction
or group of Transactions are to be excluded but, without limitation,
any payment or delivery that would, but for the relevant Early
Termination Date, have been required (assuming satisfaction of each
applicable condition precedent) after that Early Termination Date is to
be included. The party making the determination (or its agent) will
request each Reference Market-maker to provide its Firm Offer to the
extent reasonably practicable as of the same day and time (without
regard to different time zones) on or as soon as reasonably practicable
after the relevant Early Termination Date. The day and time as of
which those Firm Offers are to be obtained will be selected in good
faith by the party obliged to make a determination under Section 6(e),
and, if each party is so obliged, after consultation with the other.
The Market Quotation shall be the Firm Offer actually accepted by
Counterparty no later than the Business Day preceding the Early
Termination Date. If no Firm Offers are provided by the Business Day
preceding the Early Termination Date, it will be deemed that the Market
Quotation in respect of such Terminated Transaction or group of
Transactions cannot be determined.
(C) Counterparty shall use best efforts to accept a Firm Offer that would
determine the Market Quotation. If more than one Firm Offer (which, if
accepted, would determine the Market Quotation) is provided, Counterparty shall
use commercially reasonable efforts to accept the Firm Offer (among such Firm
Offers) which would require either (x) the lowest payment by the Counterparty to
the Reference Market-maker, to the extent Counterparty would be required to make
a payment to the Reference Market-maker or (y) the highest payment from the
Reference Market-maker to Counterparty, to the extent the Reference Market-maker
would be required to make a payment to the Counterparty. If only one Firm Offer
(which, if accepted, would determine the Market Quotation) is provided,
Counterparty shall use commercially reasonable efforts to accept such Firm Offer.
(D) Upon the written request by Counterparty to Bear Xxxxxxx, Bear Xxxxxxx
shall obtain the Market Quotations on behalf of Counterparty.
(E) If the Settlement Amount is a negative number, Section 6(e)(i)(3) of
the ISDA Master Agreement shall be deleted in its entirety and replaced with the
following:
"(3) Second Method and Market Quotation. If the Second Method and
Market Quotation apply, (I) Counterparty shall pay to Bear Xxxxxxx an
amount equal to the absolute value of the Settlement Amount in respect
of the Terminated Transactions, (II) Counterparty shall pay to Bear
Xxxxxxx the Termination Currency Equivalent of the Unpaid Amounts owing
to Bear Xxxxxxx and (III) Bear Xxxxxxx shall pay to Counterparty the
Termination Currency Equivalent of the Unpaid Amounts owing to
Counterparty; provided, however, that (x) the amounts payable under the
immediately preceding clauses (II) and (III) shall be subject to
netting in accordance with Section 2(c) of this Agreement and (y)
notwithstanding any other provision of this Agreement, any amount
payable by Bear Xxxxxxx under the immediately preceding clause (III)
shall not be netted-off against any amount payable by Counterparty
under the immediately preceding clause (I)."
(n) "Termination Currency" means United States Dollars.
(o) Additional Termination Events. Additional Termination Events will apply:
(i) If, upon the occurrence of a Cap Disclosure Event (as defined in Part 5(l)(ii) below)
Bear Xxxxxxx has not, within ten (10) calendar days after such Cap Disclosure Event
complied with any of the provisions set forth in Part 5(l) below, then an Additional
Termination Event shall have occurred with respect to Bear Xxxxxxx, Bear Xxxxxxx shall be
the sole Affected Party and all Transactions hereunder shall be Affected Transaction.
(ii) If, without the prior written consent of Bear Xxxxxxx where such consent is required
under the Pooling and Servicing Agreement, an amendment or supplemental agreement is made
to the Pooling and Servicing Agreement which amendment or supplemental agreement could
reasonably be expected to have a material adverse effect on the interests of Bear Xxxxxxx
under this Agreement, an Additional Termination Event shall have occurred with respect to
Counterparty, Counterparty shall be the sole Affected Party and all Transactions
hereunder shall be Affected Transaction.
(iii) (A) If a S&P First Level Downgrade has occurred and is continuing and Bear
Xxxxxxx fails to take any action described under Part 5(f)(i)(1),
within the time period specified therein, then an Additional
Termination Event shall have occurred with respect to Bear Xxxxxxx,
Bear Xxxxxxx shall be the sole Affected Party with respect to such
Additional Termination Event and all Transactions hereunder shall be
Affected Transaction.
(B) If a S&P Second Level Downgrade has occurred and is continuing and Bear
Xxxxxxx fails to take any action described under Part (5)(f)(i)(2)
within the time period specified therein, then an Additional
Termination Event shall have occurred with respect to Bear Xxxxxxx,
Bear Xxxxxxx shall be the sole Affected Party with respect to such
Additional Termination Event and all Transactions hereunder shall be
Affected Transaction.
(C) If (A) a Xxxxx'x Second Level Downgrade has not occurred and been
continuing for 30 or more Local Business Days and (B) Bear Xxxxxxx has
failed to comply with or perform any obligation to be complied with or
performed by Bear Xxxxxxx in accordance with the Credit Support Annex,
then an Additional Termination Event shall have occurred with respect
to Bear Xxxxxxx and Bear Xxxxxxx shall be the sole Affected Party with
respect to such Additional Termination Event.
(D) If (A) a Xxxxx'x Second Level Downgrade has occurred and been
continuing for 30 or more Local Business Days and (B) either (i) at
least one Eligible Replacement has made a Firm Offer to be the
transferee or (ii) at least one entity that satisfies the Xxxxx'x
Approved Ratings Threshold has made a Firm Offer to provide an Eligible
Guaranty in respect of all of Bear Xxxxxxx' present and future
obligations under this Agreement, then an Additional Termination Event
shall have occurred with respect to Bear Xxxxxxx, Bear Xxxxxxx shall be
the sole Affected Party with respect to such Additional Termination
Event and all Transactions hereunder shall be Affected Transaction.
(p) Limitation on Events of Default. Notwithstanding the terms of Sections 5 and 6 of the ISDA Form
Master Agreement, if at any time and so long as the Counterparty has satisfied in full all its payment
obligations under Section 2(a)(i) of the ISDA Form Master Agreement and has at the time no future payment
obligations, whether absolute or contingent, under such Section, then unless Bear Xxxxxxx is required
pursuant to appropriate proceedings to return to the Counterparty or otherwise returns to the Counterparty
upon demand of the Counterparty any portion of any such payment, (a) the occurrence of an event described
in Section 5(a) of the ISDA Form Master Agreement with respect to the Counterparty shall not constitute an
Event of Default or Potential Event of Default with respect to the Counterparty as Defaulting Party and
(b) Bear Xxxxxxx shall be entitled to designate an Early Termination Date pursuant to Section 6 of the
ISDA Form Master Agreement only as a result of the occurrence of a Termination Event set forth in either
Section 5(b)(i) or 5(b)(ii) of the ISDA Form Master Agreement with respect to Bear Xxxxxxx as the Affected
Party, or Section 5(b)(iii) with respect to Bear Xxxxxxx as the Burdened Party.
Part 2. Tax Matters.
(a) Tax Representations.
(i) Payer Representations. For the purpose of Section 3(e) of the ISDA Master Agreement, each
of Bear Xxxxxxx and the Counterparty will make the following representations:
It is not required by any applicable law, as modified by the practice of any relevant
governmental revenue authority, of any Relevant Jurisdiction to make any deduction or
withholding for or on account of any Tax from any payment (other than interest under Section
2(e), 6(d)(ii) or 6(e) of the ISDA Master Agreement) to be made by it to the other party under
this Agreement. In making this representation, it may rely on:
(1) the accuracy of any representations made by the other party pursuant to
Section 3(f) of the ISDA Master Agreement;
(2) the satisfaction of the agreement contained in Sections 4(a)(i) and 4(a)(iii)
of the ISDA Master Agreement and the accuracy and effectiveness of any document
provided by the other party pursuant to Sections 4(a)(i) and 4(a)(iii) of the ISDA
Master Agreement; and
(3) the satisfaction of the agreement of the other party contained in Section 4(d) of
the ISDA Master Agreement, provided that it shall not be a breach of this
representation where reliance is placed on clause (ii) and the other party does not
deliver a form or document under Section 4(a)(iii) of the ISDA Master Agreement by
reason of material prejudice to its legal or commercial position.
(ii) Payee Representations. For the purpose of Section 3(f) of the ISDA Master
Agreement, each of Bear Xxxxxxx and the Counterparty make the following
representations.
The following representation will apply to Bear Xxxxxxx:
Bear Xxxxxxx is a corporation organized under the laws of the State of Delaware and
its U.S. taxpayer identification number is 00-0000000.
The following representation will apply to the Counterparty:
The Counterparty hereby represents and warrants that the Counterparty is a trust
organized under the laws of the State of New York and regarded as a U.S. person for
U.S. Federal income tax purposes
(b) Tax Provisions.
Notwithstanding the definition of "Indemnifiable Tax" in Section 14 of this Agreement, all
Taxes in relation to payments by Bear Xxxxxxx shall be Indemnifiable Taxes (including any Tax
imposed in respect of a Credit Support Document) unless (i) such Taxes are assessed directly
against Counterparty and not by deduction or withholding by Bear Xxxxxxx or (ii) arise as a
result of a Change in Tax Law (in which case such Tax shall be an Indemnifiable Tax only if
such Tax satisfies the definition of Indemnifiable Tax provided in Section 14). In relation to
payments by Counterparty, no Tax shall be an Indemnifiable Tax.
Part 3. Agreement to Deliver Documents. For the purpose of Section 4(a) of the ISDA Master Agreement:
(i) Tax forms, documents, or certificates to be delivered are:
Party required to deliver Form/Document/ Date by which to
document Certificate be delivered
Bear Xxxxxxx An original properly completed (i) upon execution of this Agreement, (ii)
and executed United States on or before the first payment date under
Internal Revenue Service Form this Agreement, including any Credit Support
W-9 (or any successor thereto) Document, (iii) promptly upon the reasonable
with respect to any payments demand by Counterparty, (iv) prior to the
received or to be received by expiration or obsolescence of any previously
Bear Xxxxxxx, that eliminates delivered form, and (v) promptly upon the
U.S. federal withholding and information on any such previously delivered
backup withholding Tax on form becoming inaccurate or incorrect.
payments to Bear Xxxxxxx under
this Agreement.
Counterparty An original properly completed (i) upon execution of this Agreement, (ii)
and executed United States on or before the first payment date under
Internal Revenue Service Form this Agreement, including any Credit Support
W-9 including applicable Document, (iii) promptly upon the reasonable
attachments (or any successor demand by Bear Xxxxxxx, (iv) prior to the
thereto) with respect to any expiration or obsolescence of any previously
payments received or to be delivered form, and (v) promptly upon the
received by Bear Xxxxxxx. information on any such previously delivered
form becoming inaccurate or incorrect.
(ii) Other documents to be delivered are:
Party required to Form/Document/ Date by which to Covered by Section 3(d)
deliver document Certificate be delivered Representation
Bear Xxxxxxx and Any documents required by the Upon the execution and Yes
the Counterparty receiving party to evidence delivery of this
the authority of the Agreement and such
delivering party or its Credit Confirmation
Support Provider, if any, for
it to execute and deliver this
Agreement, any Confirmation,
and any Credit Support
Documents to which it is a
party, and to evidence the
authority of the delivering
party or its Credit Support
Provider to perform its
obligations under this
Agreement, such Confirmation
and/or Credit Support
Document, as the case may be
Bear Xxxxxxx and A certificate of an authorized Upon the execution and Yes
the Counterparty officer of the party, as to delivery of this
the incumbency and authority Agreement and such
of the respective officers of Confirmation
the party signing this
Agreement, any relevant Credit
Support Document, or any
Confirmation, as the case may
be
Bear Xxxxxxx An opinion of counsel of such Upon the execution and No
party regarding the delivery of this Agreement
enforceability of this
Agreement in a form reasonably
satisfactory to the other
party.
Counterparty An executed copy of the Concurrently with filing No
Pooling and Servicing of each draft of the
Agreement and the Cap Pooling and Servicing
Administration Agreement Agreement with the U.S.
Securities and Exchange
Commission
Part 4. Miscellaneous.
(a) Address for Notices: For the purposes of Section 12(a) of the ISDA Master Agreement:
Address for notices or communications to Bear Xxxxxxx:
Address: 000 Xxxxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000
Attention: DPC Manager
Facsimile: (000) 000-0000
with a copy to:
Address: Xxx Xxxxxxxxx Xxxxxx Xxxxx, Xxxxxxxx, Xxx Xxxx 00000
Attention: Derivative Operations - 7th Floor
Facsimile: (000) 000-0000
(For all purposes)
Address for notices or communications to the Counterparty:
Xxxxx Fargo Bank, National Association
0000 Xxx Xxxxxxxxx Xx.
Xxxxxxxx, XX 00000
Telephone: 000-000-0000
Fax: 000-000-0000
Attention: Client Manager, BSMF 2006-AR4
(For all purposes)
(b) Account Details and Settlement Information:
Payments to Bear Xxxxxxx:
Citibank, N.A., New York
ABA Number: 000-0000-00, for the account of
Bear, Xxxxxxx Securities Corp.
Account Number: 0925-3186, for further credit to
Bear Xxxxxxx Financial Products Inc.
Sub-account Number: 102-04654-1-3
Attention: Derivatives Department
Payments to Counterparty:
Xxxxx Fargo Bank, National Association
San Francisco, CA
ABA# 000-000-000
A/C: 0000000000
Account Name: SAS Clearing
For Further Credit to: BSMF 2006-AR4 Reserve Acct # 50969601
(c) Process Agent. For the purpose of Section 13(c) of the ISDA Master Agreement:
Bear Xxxxxxx appoints as its
Process Agent: Not Applicable
The Counterparty appoints as its
Process Agent: Not Applicable
(d) Offices. The provisions of Section 10(a) of the ISDA Master Agreement will not apply to this
Agreement; neither Bear Xxxxxxx nor the Counterparty have any Offices other than as set forth in
the Notices Section.
(e) Multibranch Party. For the purpose of Section 10(c) of the ISDA Master Agreement:
Bear Xxxxxxx is not a Multibranch Party.
The Counterparty is not a Multibranch Party.
(f) Credit Support Document.
Bear Xxxxxxx: The Credit Support Annex and any guaranty in support of Bear Xxxxxxx' obligations under this
Agreement.
Counterparty: The Credit Support Annex
(g) Credit Support Provider.
Bear Xxxxxxx: The guarantor under any guaranty in support of Bear Xxxxxxx'
obligations under this Agreement.
Counterparty: Not Applicable
(h) Governing Law. The parties to this Agreement hereby agree that the law of the State of New York
shall govern their rights and duties in whole, without regard to the conflict of law provisions
thereof other than New York General Obligations Law Sections 5-1401 and 5-1402.
(i) Jurisdiction. Section 13(b) is hereby amended by: (i) deleting in the second line of subparagraph
(i) thereof the word "non-", (ii) deleting "; and" from the end of subparagraph 1 and inserting
"." in lieu thereof, and (iii) deleting the final paragraph thereof.
(j) "Affiliate": Bear Xxxxxxx and Counterparty shall be deemed not to have any Affiliates for purposes
of this Agreement, including for purposes of Section 6(b)(ii) of the ISDA Master Agreement.
(k) Netting of Payments. The parties agree that subparagraph (ii) of Section 2(c) of the ISDA Master
Agreement will apply to each Transaction.
Part 5. Other Provisions.
(a) Section 3 of the ISDA Master Agreement is hereby amended by adding at the end thereof the following
subsection (g):
"(g) Relationship Between Parties.
Each party represents to the other party on each date when it enters into a
Transaction that:
(1) Nonreliance. (i) It is acting for its own account, (ii) it is not relying on any
statement or representation of the other party regarding the Transaction (whether written
or oral), other than the representations expressly made in this Agreement or the
Confirmation in respect of that Transaction and (iii) it has consulted with its own
legal, regulatory, tax, business, investment, financial and accounting advisors to the
extent it has deemed necessary, (iv) it has made its own investment, hedging and trading
decisions based upon its own judgment and upon any advice from such advisors as it has
deemed necessary and not upon any view expressed by the other party, (v) it has made its
own independent decisions to enter into the Transaction and as to whether the Transaction
is appropriate or proper for it based upon its own judgment and upon advice from such
advisors as it has deemed necessary, (vi) it is not relying on any communication (written
or oral) of the other party as investment advice or as a recommendation to enter into
this Transaction; it being understood that information and explanations related to the
terms and conditions of this Transaction shall not be considered investment advice or a
recommendation to enter into this Transaction and (vii) it has not received from the
other party any assurance or guaranty as to the expected results of this Transaction.
(2) Evaluation and Understanding.
(i) It has the capacity to evaluate (internally or through independent
professional advice) the Transaction and has made its own decision to enter
into the Transaction; and
(ii) It understands the terms, conditions and risks of the Transaction and is
willing and able to accept those terms and conditions and to assume those
risks, financially and otherwise.
(3) Purpose. It is entering into the Transaction for the purposes of managing its borrowings
or investments, hedging its underlying assets or liabilities or in connection with a line
of business.
(4) Status of Parties. The other party is not acting as an agent, fiduciary or advisor for
it in respect of the Transaction.
(5) Eligible Contract Participant. It constitutes an "eligible contract participant" as such
term is defined in Section 1(a)12 of the Commodity Exchange Act, as amended.
(6) Line of Business. It has entered into this Agreement (including each Transaction
governed hereby) in conjunction with its line of business or the financing of its
business."
(b) Non-Recourse. Notwithstanding any provision herein or in the ISDA Master Agreement to the
contrary, the obligations of Counterparty hereunder are limited recourse obligations of Counterparty,
payable solely from the Distribution Account and the proceeds thereof, in accordance with the terms of the
Pooling and Servicing Agreement. In the event that the Distribution Account and proceeds thereof should be
insufficient to satisfy all claims outstanding and following the realization of the Distribution Account
and the proceeds thereof, any claims against or obligations of Counterparty under the ISDA Master
Agreement or any other confirmation thereunder still outstanding shall be extinguished and thereafter not
revive. The Counterparty shall not have liability for any failure or delay in making a payment hereunder
to Bear Xxxxxxx due to any failure or delay in receiving amounts in the Distribution Account from the
Trust created pursuant to the Pooling and Servicing Agreement.
(c) Severability. If any term, provision, covenant, or condition of this Agreement, or the
application thereof to any party or circumstance, shall be held to be invalid or unenforceable (in whole
or in part) for any reason, the remaining terms, provisions, covenants, and conditions hereof shall
continue in full force and effect as if this Agreement had been executed with the invalid or unenforceable
portion eliminated, so long as this Agreement as so modified continues to express, without material
change, the original intentions of the parties as to the subject matter of this Agreement and the deletion
of such portion of this Agreement will not substantially impair the respective benefits or expectations of
the parties.
The parties shall endeavor to engage in good faith negotiations to replace any invalid or unenforceable
term, provision, covenant or condition with a valid or enforceable term, provision, covenant or condition,
the economic effect of which comes as close as possible to that of the invalid or unenforceable term,
provision, covenant or condition.
(d) Consent to Recording. Each party hereto consents to the monitoring or recording, at any time and
from time to time, by the other party of any and all communications between officers or employees of the
parties, waives any further notice of such monitoring or recording, and agrees to notify its officers and
employees of such monitoring or recording.
(e) Waiver of Jury Trial. Each party waives any right it may have to a trial by jury in respect of
any Proceedings relating to this Agreement or any Credit Support Document.
(f) Rating Agency Downgrade.
(i) S&P Downgrade:
(1) In the event that a S&P First Level Downgrade occurs and is continuing, then within 30
days after such rating withdrawal or downgrade, Bear Xxxxxxx shall, subject to the Rating
Agency Condition with respect to S&P, at its own expense, either (i) procure a Permitted
Transfer, (ii) obtain an Eligible Guaranty or (iii) post collateral in accordance with
the Credit Support Annex.
(2) In the event that a S&P Second Level Downgrade occurs and is continuing, then within 10
Local Business Days after such rating withdrawal or downgrade, Bear Xxxxxxx shall,
subject to the Rating Agency Condition with respect to S&P, at its own expense, either
(i) procure a Permitted Transfer or (ii) obtain an Eligible Guaranty.
(ii) Moody's Downgrade.
(1) In the event that a Moody's Second Level Downgrade occurs and is continuing, Bear Xxxxxxx
shall as soon as reasonably practicable thereafter, at its own expense and using
commercially reasonable efforts, either (i) procure a Permitted Transfer or (ii) obtain
an Eligible Guaranty.
(g) Payment Instructions. Bear Xxxxxxx hereby agrees that, unless notified in writing by the Trustee of
other payment instructions, any and all amounts payable by Bear Xxxxxxx to the Counterparty under this
Agreement shall be paid to the Trustee at the account specified herein.
(h) Amendment. No amendment, waiver, supplement or other modification of this Transaction shall be
permitted by either party unless (i) each of S&P and Moody's have been provided notice of the same and
(ii) such amendment, waiver, supplement, assignment or other modification satisfies the Rating Agency
Condition.
(i) Transfer.
(i) The first paragraph of Section 7 is hereby amended in its entirety as follows:
"Subject to Section 6(b)(ii), Part 5(f) and Part 5(j), neither this Agreement nor any
interest or obligation in or under this Agreement may be transferred (whether by way of
security or otherwise) without (a) the prior written consent of the other party (which
consent shall be deemed given by Counterparty if the transfer, novation or assignment is
to an Eligible Replacement and such Eligible Replacement provides an indemnity with
respect to Regulation AB matters that is satisfactory to the Depositor) and (b)
satisfaction of the Rating Agency Condition with respect to S&P, except that:"
(ii) If an entity has made a Firm Offer (which remains an offer that will become legally
binding upon acceptance by Counterparty) to be the transferee of a transfer, Counterparty shall,
at Bear Xxxxxxx' written request and at Bear Xxxxxxx' expense, take any reasonable steps required
to be taken by Counterparty to effect such transfer.
(j) Transfer to Avoid Termination Event. Section 6(b)(ii) is hereby amended by (i) deleting the words "or
if a Tax Event Upon Merger occurs and the Burdened Party is the Affected Party," and (ii) deleting the last
paragraph thereof and inserting the following:
"Notwithstanding anything to the contrary in Section 7 (as amended herein) and Part 5(i), any
transfer by Bear Xxxxxxx under this Section 6(b)(ii) shall not require the consent of
Counterparty; provided that:
(i) the transferee (the "Transferee") is an Eligible Replacement and such Eligible
Replacement provides an indemnity with respect to Regulation AB matters that is satisfactory to
the Depositor;
(ii) if the Transferee is domiciled in a different country or political subdivision thereof
from both Bear Xxxxxxx and Counterparty, such transfer satisfies the Rating Agency
Condition;
(iii) the Transferee will not, as a result of such transfer, be required on the next
succeeding Scheduled Payment Date to withhold or deduct on account of any Tax (except
in respect of default interest) amounts in excess of that which Bear Xxxxxxx would, on
the next succeeding Scheduled Payment Date have been required to so withhold or deduct
unless the Transferee would be required to make additional payments pursuant to
Section 2(d)(i)(4) corresponding to such excess;
(iv) a Termination Event or Event of Default does not occur as a result of such transfer;
and
(v) the Transferee confirms in writing that it will accept all of the interests and
obligations in and under this Agreement which are to be transferred to it in
accordance with the terms of this provision.
On and from the effective date of any such transfer to the Transferee, Bear Xxxxxxx will be fully
released from any and all obligations hereunder."
(k) Proceedings. Bear Xxxxxxx shall not institute against or cause any other person to institute
against, or join any other person in instituting against, the Counterparty,any bankruptcy,
reorganization, arrangement, insolvency or liquidation proceedings, or other proceedings under any
federal or state bankruptcy, dissolution or similar law, for a period of one year and one day (or, if
longer, the applicable preference period) following indefeasible payment in full of the Class [__]
Certificates (the "Certificates").
(l) Compliance with Regulation AB.
(i) Bear Xxxxxxx agrees and acknowledges that the Depositor is required under Regulation AB under the
Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended (the
"Exchange Act") ("Regulation AB"), to disclose certain financial information regarding Bear
Xxxxxxx or its group of affiliated entities, if applicable, depending on the aggregate
"significance percentage" of this Agreement and any other derivative contracts between Bear
Xxxxxxx or its group of affiliated entities, if applicable, and Counterparty, as calculated from
time to time in accordance with Item 1115 of Regulation AB.
(ii) It shall be a Cap disclosure event ("Cap Disclosure Event") if, on any Business Day after the date
hereof, the Depositor requests from Bear Xxxxxxx the applicable financial information described in
Item 1115 of Regulation AB (such request to be based on a reasonable determination by Depositor,
in good faith, that such information is required under Regulation AB) (the "Cap Financial
Disclosure").
(iii)Upon the occurrence of a Cap Disclosure Event, Bear Xxxxxxx, within 10 calendar days, at its own
expense, shall (1)(a) either (i) provide to Depositor the current Cap Financial Disclosure in an
XXXXX-compatible format (for example, such information may be provided in Microsoft Word® or
Microsoft Excel® format but not in .pdf format) or (ii) provide written consent to Depositor to
incorporation by reference of such current Cap Financial Disclosure that are filed with the
Securities and Exchange Commission in the reports of the Trust filed pursuant to the Exchange Act,
(b) if applicable, cause its outside accounting firm to provide its consent to filing or
incorporation by reference of such accounting firm's report relating to their audits of such
current Cap Financial Disclosure in the Exchange Act Reports of the Depositor, and (c) provide to
the Depositor any updated Cap Financial Disclosure with respect to Bear Xxxxxxx or any entity that
consolidates Bear Xxxxxxx within five days of the release of any such updated Cap Financial
Disclosure; (2) secure another entity to replace Bear Xxxxxxx as party to this Agreement on terms
substantially similar to this Agreement, which entity (or a guarantor therefor) meets or exceeds
the Moody's Approved Rating Thresholds and S&P Approved Rating Threshold and which satisfies the
Rating Agency Condition and which entity is able to comply with the requirements of Item 1115 of
Regulation AB, or (3) obtain a guaranty of Bear Xxxxxxx' obligations under this Agreement from an
affiliate of Bear Xxxxxxx that is able to comply with the financial information disclosure
requirements of Item 1115 of Regulation AB, and cause such affiliate to provide Cap Financial
Disclosure and any future Cap Financial Disclosure, such that disclosure provided in respect of
such affiliate will satisfy any disclosure requirements applicable to the Cap Provider. If
permitted by Regulation AB, any required Cap Financial Disclosure may be provided by incorporation
by reference from reports filed pursuant to the Exchange Act.
(iv) Bear Xxxxxxx agrees that, in the event that Bear Xxxxxxx provides Cap Financial Disclosure to
Depositor in accordance with Part 5(l)(iii)(1) or causes its affiliate to provide Cap Financial
Disclosure to Depositor in accordance with clause Part 5(l)(iii)(3), it will indemnify and hold
harmless Depositor, its respective directors or officers and any person controlling Depositor,
from and against any and all losses, claims, damages and liabilities caused by any untrue
statement or alleged untrue statement of a material fact contained in such Cap Financial
Disclosure or caused by any omission or alleged omission to state in such Cap Financial Disclosure
a material fact required to be stated therein or necessary to make the statements therein, in
light of the circumstances under which they were made, not misleading.
(v) If Trustee and Depositor reasonably requests, Bear Xxxxxxx shall provide such other information as
may be necessary for Depositor to comply with Item 1115 of Regulation AB.
(vi) Each of the Trustee and Depositor shall be an express third party beneficiary of this Agreement as
if a party hereto to the extent of the Trustee's and the Depositor's rights explicitly specified
in this Part 5(l).
(m) Trustee Liability Limitations. It is expressly understood and agreed by the parties hereto that:
(i) this Agreement is executed and delivered by Xxxxx Fargo Bank, National Association ("Xxxxx
Fargo"), not individually or personally but solely as Trustee under the Pooling and Servicing
Agreement on behalf of the Counterparty;
(ii) each of the representations, undertakings and agreements herein made on the part of the
Counterparty is made and intended not as a personal representation, undertaking or agreement of
Xxxxx Fargo but is made and intended for the purpose of binding only the Counterparty;
(iii) nothing herein contained shall be construed as imposing any liability upon Xxxxx Fargo,
individually or personally, to perform any covenant either expressed or implied contained herein,
all such liability, if any, being expressly waived by the parties hereto and by any Person
claiming by, through or under the parties hereto; provided that nothing in this paragraph shall
relieve Xxxxx Fargo from performing its duties and obligations under the Pooling and Servicing
Agreement in accordance with the standard of care set forth therein;
(iv) under no circumstances shall Xxxxx Fargo be personally liable for the payment of any indebtedness
or expenses of the Counterparty or be liable for the breach or failure of any obligation,
representation, warranty or covenant made or undertaken by the Counterparty under this Agreement
or any other related documents, other than due to its negligence or willful misconduct in
performing the obligations of the Xxxxx Fargo under the Pooling and Servicing Agreement;
(v) any resignation or removal of Xxxxx Fargo as trustee on behalf of the Trust shall require the
assignment of this agreement to an Eligible Trustee replacement;
(vi) Xxxxx Fargo has been directed, pursuant to the Pooling and Servicing Agreement, to enter into this
Agreement and to perform its obligations hereunder.
(n) Substantial Financial Transaction. Each party hereto is hereby advised and acknowledges that the
other party has engaged in (or refrained from engaging in) substantial financial transactions and has
taken (or refrained from taking) other material actions in reliance upon the entry by the parties into the
Transaction being entered into on the terms and conditions set forth herein and in the Confirmation
relating to such Transaction, as applicable. This paragraph shall be deemed repeated on the trade date of
each Transaction.
(o) Set-Off. Except as expressly provided for in Section 2(c), Section 6 or Part 1(m)(E) hereof, and
notwithstanding any other provision of this Agreement or any other existing or future agreement, each
party irrevocably waives any and all rights it may have to set off, net, recoup or otherwise withhold or
suspend or condition payment or performance of any obligation between it and the other party hereunder
against any obligation between it and the other party under any other agreements. Section 6(e) shall be
amended by deleting the following sentence: "The amount, if any, payable in respect of an Early
Termination Date and determined pursuant to this Section will be subject to any Set-off."
(p) Counterparts. This Agreement may be executed in several counterparts, each of which shall be
deemed an original but all of which together shall constitute one and the same instrument.
(q) Additional Defined Terms.
(i) Capitalized terms used but nor defined herein shall have the meanings ascribed to such terms in
the Pooling and Servicing Agreement.
(ii) Additional Definitions:
"Eligible Guaranty" means an unconditional and irrevocable guaranty of all present and future
payment obligations and obligations to post collateral of Bear Xxxxxxx or an Eligible
Replacement to Counterparty under this Agreement that is provided by an Eligible Guarantor as
principal debtor rather than surety and that is directly enforceable by Counterparty, the form
and substance of which guaranty are subject to the Rating Agency Condition with respect to S&P.
"Eligible Guarantor" means an entity that has credit ratings at least equal to the Moody's
Required Ratings Threshold and S&P Approved Ratings Threshold.
"Eligible Replacement" means an entity that either (i) satisfies the S&P Approved Ratings
Threshold and the Moody's Required Ratings Threshold or (ii) provides an Eligible Guaranty from
an Eligible Guarantor.
"Firm Offer" means an offer which, when made, is capable of becoming legally binding upon
acceptance.
"Moody's" means Xxxxx'x Investors Service, Inc., or any successor.
"Moody's Approved Ratings Threshold" means, with respect to (i) Bear Xxxxxxx, a Moody's
counterparty rating of "A1" or above and (ii) with respect to any other entity (or its guarantor),
(x) if such entity has both a long-term unsecured and unsubordinated debt rating or counterparty
rating from Moody's and a short-term unsecured and unsubordinated debt rating from Moody's, a
long-term unsecured and unsubordinated debt rating or counterparty rating from Xxxxx'x of "A2" or
above and a short-term unsecured and unsubordinated debt rating from Xxxxx'x of "Prime-1" or
above, or (y) if such entity has only a long-term unsecured and unsubordinated debt rating or
counterparty rating from Xxxxx'x, a long-term unsecured and unsubordinated debt rating or
counterparty rating from Xxxxx'x of "A1" or above.
"Xxxxx'x First Level Downgrade" means that no Relevant Entity satisfies the Xxxxx'x Approved
Rating Threshold.
"Xxxxx'x Required Ratings Threshold" means, with respect to (i) Bear Xxxxxxx, a counterparty
rating of "A3" or above and (ii) with respect to any other entity (or its guarantor), (x) if such
entity has both a long-term unsecured and unsubordinated debt rating or counterparty rating from
Xxxxx'x and a short-term unsecured and unsubordinated debt rating from Xxxxx'x, a long-term
unsecured and unsubordinated debt rating or counterparty rating from Xxxxx'x of "A3" or above or a
short-term unsecured and unsubordinated debt rating from Xxxxx'x of "Prime-2" or above, or (y) if
such entity has only a long-term unsecured and unsubordinated debt rating or counterparty rating
from Xxxxx'x, a long-term unsecured and unsubordinated debt rating or counterparty rating from
Xxxxx'x of "A3" or above.
"Xxxxx'x Second Level Downgrade" means that no Relevant Entity satisfies the Xxxxx'x Required
Ratings Threshold.
"Permitted Transfer" means a transfer by novation by Bear Xxxxxxx to an entity (the "Transferee")
of all, but not less than all, of Bear Xxxxxxx' rights, liabilities, duties and obligations under
this Agreement, with respect to which transfer each of the following conditions is satisfied: (a)
the Transferee is an Eligible Replacement that is a recognized dealer in interest rate swaps
organized under the laws of the United States of America or a jurisdiction located in the United
States of America (or another jurisdiction reasonably acceptable to Counterparty), (b) an Event
of Default or Termination Event would not occur as a result of such transfer, (c) pursuant to a
written instrument (the "Transfer Agreement"), the Transferee acquires and assumes all rights and
obligations of Bear Xxxxxxx under the Agreement and the relevant Transaction, (d) Bear Xxxxxxx
will be responsible for any costs or expenses incurred in connection with such transfer
(including any replacement cost of entering into a replacement transaction), (e) either (A)
Xxxxx'x has been given prior written notice of such transfer and the Rating Agency Condition is
satisfied with respect to S&P or (B) each Rating Agency has been given prior written notice of
such transfer and such transfer is in connection with the assignment and assumption of this
Agreement without modification of its terms, other than party names, dates relevant to the
effective date of such transfer, tax representations and any other representations regarding the
status of the substitute counterparty, notice information and account details and other similar
provisions and (f) such transfer otherwise complies with the terms of the Pooling and Servicing
Agreement.
"Rating Agency" means each of Xxxxx'x and S&P.
"Rating Agency Condition" means, with respect to any particular proposed act or omission to act
hereunder that the party acting or failing to act must consult with each Rating Agency then
providing a rating of the Certificates and any Notes and receive from each such Rating Agency a
prior written confirmation that the proposed action or inaction would not cause a downgrade or
withdrawal of its then-current rating of the Certificates.
"Relevant Entity" means Bear Xxxxxxx and any Eligible Guarantor under an Eligible Guaranty with
respect to Bear Xxxxxxx.
"Replacement Transaction" means, with respect to any Terminated Transaction or group of Terminated
Transactions, a transaction or group of transactions that (i) would have the effect of preserving
for Counterparty the economic equivalent of any payment or delivery (whether the underlying
obligation was absolute or contingent and assuming the satisfaction of each applicable condition
precedent) by the parties under Section 2(a)(i) in respect of such Terminated Transaction or group
of Terminated Transactions that would, but for the occurrence of the relevant Early Termination
Date, have been required after that Date, and (ii) has terms which are substantially the same as
this Agreement, including, without limitation, rating triggers, Regulation AB compliance, and
credit support documentation, as determined by Counterparty in its sole discretion, acting in a
commercially reasonable manner.
"S&P" means Standard & Poor's, a division of The XxXxxx-Xxxx Companies, Inc.
"S&P Approved Ratings Threshold" means with respect to (i) Bear Xxxxxxx, a counterparty rating of
"A+" or above and (ii) with respect to any other entity (or its guarantor), a short-term unsecured
and unsubordinated debt rating from S&P of "A-1" or above, or, if such entity does not have a
short-term unsecured and unsubordinated debt rating from S&P, a long-term unsecured and
unsubordinated debt rating from S&P of "A+ or above.
"S&P First Level Downgrade" means that no Relevant Entity satisfies the S&P Approved Rating
Threshold.
"S&P Required Ratings Threshold" means with respect to (i) Bear Xxxxxxx, a counterparty rating of
"BBB-" or above and (ii) with respect to any other entity (or its guarantor), a long-term
unsecured and unsubordinated debt rating from S&P of "BBB-" or above.
"S&P Second Level Downgrade" means that no Relevant Entity satisfies the S&P Required Rating
Thresholds.
(r) Agent for Counterparty. Bear Xxxxxxx acknowledges that Counterparty has appointed Trustee as its
agent under Pooling and Servicing Agreement to carry out certain functions on behalf of Counterparty, and
that Trustee shall be entitled to give notices and to perform and satisfy the obligations of Counterparty
hereunder on behalf of Counterparty.
(s) Rating Agency Notifications. Except as otherwise provided herein, no Early Termination Date
shall be effectively designated hereunder shall be made by either party unless each Rating Agency has been
given prior written notice of such designation.
NEITHER THE BEAR XXXXXXX COMPANIES INC. NOR ANY SUBSIDIARY OR AFFILIATE OF THE BEAR XXXXXXX
COMPANIES INC. OTHER THAN BEAR XXXXXXX IS AN OBLIGOR OR A CREDIT SUPPORT PROVIDER ON THIS
AGREEMENT.
This Agreement may be executed in several counterparts, each of which shall be deemed an original but all
of which together shall constitute one and the same instrument.
Counterparty hereby agrees to check this Confirmation and to confirm that the foregoing correctly sets
forth the terms of the Transaction by signing in the space provided below and returning to Bear Xxxxxxx a
facsimile of the fully-executed Confirmation to 000-000-0000. For inquiries regarding U.S. Transactions,
please contact Derivatives Documentation by telephone at 000-000-0000. For all other inquiries please
contact Derivatives Documentation by telephone at 000-0-000-0000. Originals will be provided for your
execution upon your request.
We are very pleased to have executed this Transaction with you and we look forward to completing other
transactions with you in the near future.
Very truly yours,
BEAR XXXXXXX FINANCIAL PRODUCTS INC.
By: _____________________________
Name:
Title:
Counterparty, acting through its duly authorized signatory, hereby agrees to, accepts and confirms the
terms of the foregoing as of the Trade Date.
BEAR XXXXXXX MORTGAGE FUNDING TRUST 2006-AR4
By: Xxxxx Fargo Bank, National Association, not individually but solely as Trustee
By: _____________________________
Name:
Title:
Pwp / ws
SCHEDULE I
(all such dates subject to adjustment in accordance with the Business Day Convention)
______________________________________________________________________________
Cap
From and including To but excluding Scheduled Amount Rate
(USD) (%)
______________________________________________________________________________
Effective Date 25-Dec-2006 [___________] [___]
______________________________________________________________________________
25-Dec-2006 25-Jan-2007 [___________] [___]
______________________________________________________________________________
25-Jan-2007 25-Feb-2007 [___________] [___]
______________________________________________________________________________
25-Feb-2007 25-Mar-2007 [___________] [___]
______________________________________________________________________________
25-Mar-2007 25-Apr-2007 [___________] [___]
______________________________________________________________________________
25-Apr-2007 25-May-2007 [___________] [___]
______________________________________________________________________________
25-May-2007 25-Jun-2007 [___________] [___]
______________________________________________________________________________
25-Jun-2007 25-Jul-2007 [___________] [___]
______________________________________________________________________________
25-Jul-2007 25-Aug-2007 [___________] [___]
______________________________________________________________________________
25-Aug-2007 25-Sep-2007 [___________] [___]
______________________________________________________________________________
25-Sep-2007 25-Oct-2007 [___________] [___]
______________________________________________________________________________
25-Oct-2007 25-Nov-2007 [___________] [___]
______________________________________________________________________________
25-Nov-2007 25-Dec-2007 [___________] [___]
______________________________________________________________________________
25-Dec-2007 25-Jan-2008 [___________] [___]
______________________________________________________________________________
25-Jan-2008 25-Feb-2008 [___________] [___]
______________________________________________________________________________
25-Feb-2008 25-Mar-2008 [___________] [___]
______________________________________________________________________________
25-Mar-2008 25-Apr-2008 [___________] [___]
______________________________________________________________________________
25-Apr-2008 25-May-2008 [___________] [___]
______________________________________________________________________________
25-May-2008 25-Jun-2008 [___________] [___]
______________________________________________________________________________
25-Jun-2008 25-Jul-2008 [___________] [___]
______________________________________________________________________________
25-Jul-2008 25-Aug-2008 [___________] [___]
______________________________________________________________________________
25-Aug-2008 25-Sep-2008 [___________] [___]
______________________________________________________________________________
25-Sep-2008 25-Oct-2008 [___________] [___]
______________________________________________________________________________
25-Oct-2008 25-Nov-2008 [___________] [___]
______________________________________________________________________________
25-Nov-2008 25-Dec-2008 [___________] [___]
______________________________________________________________________________
25-Dec-2008 25-Jan-2009 [___________] [___]
______________________________________________________________________________
25-Jan-2009 25-Feb-2009 [___________] [___]
______________________________________________________________________________
25-Feb-2009 25-Mar-2009 [___________] [___]
______________________________________________________________________________
25-Mar-2009 25-Apr-2009 [___________] [___]
______________________________________________________________________________
25-Apr-2009 25-May-2009 [___________] [___]
______________________________________________________________________________
25-May-2009 25-Jun-2009 [___________] [___]
______________________________________________________________________________
25-Jun-2009 25-Jul-2009 [___________] [___]
______________________________________________________________________________
25-Jul-2009 25-Aug-2009 [___________] [___]
______________________________________________________________________________
25-Aug-2009 25-Sep-2009 [___________] [___]
______________________________________________________________________________
25-Sep-2009 25-Oct-2009 [___________] [___]
______________________________________________________________________________
25-Oct-2009 25-Nov-2009 [___________] [___]
______________________________________________________________________________
25-Nov-2009 25-Dec-2009 [___________] [___]
______________________________________________________________________________
25-Dec-2009 25-Jan-2010 [___________] [___]
______________________________________________________________________________
25-Jan-2010 25-Feb-2010 [___________] [___]
______________________________________________________________________________
25-Feb-2010 25-Mar-2010 [___________] [___]
______________________________________________________________________________
25-Mar-2010 25-Apr-2010 [___________] [___]
______________________________________________________________________________
25-Apr-2010 25-May-2010 [___________] [___]
______________________________________________________________________________
25-May-2010 25-Jun-2010 [___________] [___]
______________________________________________________________________________
25-Jun-2010 25-Jul-2010 [___________] [___]
______________________________________________________________________________
25-Jul-2010 25-Aug-2010 [___________] [___]
______________________________________________________________________________
25-Aug-2010 25-Sep-2010 [___________] [___]
______________________________________________________________________________
25-Sep-2010 25-Oct-2010 [___________] [___]
______________________________________________________________________________
25-Oct-2010 25-Nov-2010 [___________] [___]
______________________________________________________________________________
25-Nov-2010 25-Dec-2010 [___________] [___]
______________________________________________________________________________
25-Dec-2010 25-Jan-2011 [___________] [___]
______________________________________________________________________________
25-Jan-2011 25-Feb-2011 [___________] [___]
______________________________________________________________________________
25-Feb-2011 25-Mar-2011 [___________] [___]
______________________________________________________________________________
25-Mar-2011 25-Apr-2011 [___________] [___]
______________________________________________________________________________
25-Apr-2011 25-May-2011 [___________] [___]
______________________________________________________________________________
25-May-2011 25-Jun-2011 [___________] [___]
______________________________________________________________________________
25-Jun-2011 25-Jul-2011 [___________] [___]
______________________________________________________________________________
25-Jul-2011 25-Aug-2011 [___________] [___]
______________________________________________________________________________
25-Aug-2011 25-Sep-2011 [___________] [___]
______________________________________________________________________________
25-Sep-2011 Termination Date [___________] [___]
______________________________________________________________________________
ANNEX A
UNILATERAL CSA SCHEDULE
Pledgor: BEAR XXXXXXX FINANCIAL PRODUCTS INC. (the "Pledgor")
Secured Party: Xxxxx Fargo Bank, National Association, not individually, but solely as Trustee for Bear
Xxxxxxx Mortgage Funding Trust 2006-AR4 (the "Secured Party")
Paragraph 13. Elections and Variables
(a) Security Interest for "Obligations". The term "Obligations" as used in this Annex includes no
"additional obligations" within the meaning of Paragraph 12.
(b) Credit Support Obligations.
(i) Delivery Amount, Return Amount and Credit Support Amount.
(1) Delivery Amount. Paragraph 3(a) shall be amended by replacing the
words "upon a demand made by the Secured Party on or promptly following a Valuation Date"
with the words "on each Valuation Date". The "Delivery Amount" with respect to Pledgor
for any Valuation Date shall equal the greatest of:
(A) the amount by which the S&P Collateral Amount exceeds the S&P Value on such
Valuation Date of all Posted Credit Support held by the Secured Party;
(B) the amount by which the Xxxxx'x First Level Collateral Amount exceeds the
Xxxxx'x First Level Value on such Valuation Date of all Posted Credit Support held
by the Secured Party.
(C) the amount by which the Xxxxx'x Second Level Collateral Amount exceeds the
Xxxxx'x Second Level Value on such Valuation Date of all Posted Credit Support
held by the Secured Party.
(2) "Return Amount" applicable to Secured Party for any Valuation Date
shall equal the least of:
(A) the amount by which the S&P Value on such Valuation Date of all Posted Credit
Support held by the Secured Party exceeds the S&P Collateral Amount;
(B) the amount by which the Xxxxx'x First Level Value on such Valuation Date of
all Posted Credit Support held by the Secured Party exceeds the Xxxxx'x First
Level Collateral Amount.
(C) the amount by which the Xxxxx'x Second Level Value on such Valuation Date of
all Posted Credit Support held by the Secured Party exceeds the Xxxxx'x Second
Level Collateral Amount.
(3) "Credit Support Amount" shall be deleted in its entirety.
(ii) Eligible Collateral. The items set forth on the Collateral Schedule attached as
Schedule A hereto will qualify as "Eligible Collateral" for the party specified.
(iii) Other Eligible Support. None
(iv) Thresholds.
(A) "Independent Amount" means:
Pledgor: Not applicable.
Secured Party: Not applicable.
(B) "Threshold" means:
Pledgor: Not applicable.
Secured Party: Not applicable.
(C) "Minimum Transfer Amount" means USD100,000; provided, that if the aggregate
Certificate Principal Balance and Note Principal Balance of Certificates and Notes
rated by S&P is less than USD 50,000,000, the "Minimum Transfer Amount" shall mean
USD 50,000.
(D) Rounding. The Delivery Amount will be rounded up and the Return Amount will be
rounded down to the nearest integral multiple of USD10,000.
(c) Valuation and Timing.
(i) "Valuation Agent" means Pledgor.
(ii) "Valuation Date" means each Local Business Day.
(iii) "Valuation Time" means the close of business on the Local Business Day in the city where
the Valuation Agent is located immediately preceding the Valuation Date or date of
calculation, as applicable; provided that the calculations of Value and Exposure will be
made as of approximately the same time on the same date.
(iv) "Notification Time" means 11:00 A.M. (New York time).
(v) Transfer Timing and Calculations. Paragraphs 4(b) and 4(c) are hereby amended and restated
in entirety as set forth below.
"(b) Transfer Timing. Subject to Paragraphs 4(a) and 5 and unless otherwise
specified, if a demand for the Transfer of Eligible Credit Support or Posted
Credit Support is made by the Notification Time, then the relevant Transfer
will be made not later than the close of business on the Valuation Date; if a
demand is made after the Notification Time, then the relevant Transfer will be
made not later than the close of business on the next Local Business Day
thereafter.
(c) Calculations. All calculations of Value and Exposure for purposes of
Paragraphs 3 and 6(d) will be made by the Valuation Agent as of the Valuation
Time. The Valuation Agent will notify each party (or the other party, if the
Valuation Agent is a party) of its calculations not later than the
Notification Time on the applicable Valuation Date (or in the case of
Paragraph 6(d), the Local Business Day following the day on which such
relevant calculations are performed)."
(d) Conditions Precedent. There shall be no "Specified Condition" with respect to either party for
purposes of this Annex.
(e) Substitution
(i) "Substitution Date" means (A) the Local Business Day on which the Secured Party
receives the Substitute Credit Support, if notice of substitution is received by the
Notification Time on such date, and (B) the Local Business Day following the date on which
the Secured Party receives the Substitute Credit Support, if notice of substitution is
received after the Notification Time.
(ii) Consent of Secured Party for Substitution. Inapplicable.
(iii) Amendment of Paragraph 4(d)(ii). Paragraph 4(d)(ii) is amended and restated in its
entirety as set forth below:
"(ii) subject to Paragraph 4(a) of this Annex, the Secured Party will Transfer
the items of Posted Credit Support specified by the Pledgor in its notice not
later than the close of business on the Substitution Date, provided, however,
that if the Secured Party shall not have received the Substitute Credit
Support prior to 1:00 P.M. (New York time) on the Substitution Date, then the
Secured Party shall Transfer the applicable items of Posted Credit Support not
later than the close of business on the Local Business Day immediately
following the day on which the Secured Party receives the Substitute Credit
Support. Notwithstanding the foregoing, the Secured Party will only be
obligated to Transfer Posted Credit Support with a Value as of the
Substitution Date equal to the Value of the Substitute Credit Support
delivered by the Pledgor in exchange therefor."
(f) Dispute Resolution.
(i) "Resolution Time" means 12:00 noon, New York time, on the Local Business Day for both
parties following the date the Disputing Party gives notice of a dispute pursuant to
Paragraph 5.
(ii) Value. For the purpose of Paragraphs 5(i)(C) and 5(ii), disputes over the Value of Posted
Credit Support will be resolved by the Valuation Agent seeking bid-side quotations as of
the relevant Recalculation Date or date of Transfer, as applicable, from three parties that
regularly act as dealers in the securities in question. The Value will be the arithmetic
mean of the quotations obtained by the Valuation Agent, multiplied by the applicable
Valuation Percentage, if any. If no quotations are available for a particular security,
then the Valuation Agent's original calculation of Value thereof will be used for that
security.
(iii) Alternative. Subject to item (iv) below, the provisions of Paragraph 5 will apply.
(iv) Modification of Paragraph 5. The introductory paragraph of Paragraph 5 shall be amended
and restated to read in its entirety as follows:
"If a party (a 'Disputing Party') disputes (I) the Valuation Agent's
calculation of a Delivery Amount or a Return Amount or (II) the Value of any
Transfer of Eligible Credit Support or Posted Credit Support, then:
(A) the Disputing Party will (x) notify the other party and, if applicable,
the Valuation Agent of the amount it is disputing, (y) indicate what it
believes the correct amount to be and (z) provide a statement showing, in
reasonable detail, how it arrived at such amount and the appropriate party
will deliver the undisputed amount to the other party not later than
(i) (a) the close of business on the Valuation Date, if the demand made under
Paragraph 3 in the case of (I) above is made by the Notification Time, or
(b) the close of business of the Local Business Day following the date on
which the demand is made under Paragraph 3 in the case of (I) above, if such
demand is made after the Notification Time, or (ii) the close of business of
the date of Transfer, in the case of (II) above;
(B) the parties will consult with each other and provide such information as
the other party shall reasonably request in an attempt to resolve the dispute;
and
(C) if they fail to resolve the dispute by the Resolution Time, then:"
(g) Holding and Using Posted Collateral.
(i) Eligibility to Hold Posted Collateral; Custodians. The Secured Party and its Custodian (if
any) will be entitled to hold Posted Collateral pursuant to Paragraph 6(b), provided that
the following conditions applicable to it are satisfied:
(1) it is not a Defaulting Party;
(2) Posted Collateral consisting of Cash or certificated securities that cannot be paid or
delivered by book-entry may be held only in any state of the United States which has adopted
the Uniform Commercial Code;
(3) the short-term rating of any Custodian shall be at least "A-1" by S&P
There shall be no Custodian for Pledgor.
(ii) Use of Posted Collateral. The provisions of Paragraph 6(c) will not apply to Secured Party
and Secured Party will not have any right to use the Posted Collateral or take any action
specified in Paragraph 6(c).
(h) Distributions and Interest Amount.
(i) Interest Rate. The "Interest Rate" will be the "Federal Funds (Effective)" rate as
such rate is displayed on Telerate page 118 for such day under the caption "Effective".
(ii) Amendment of Paragraph 6(d)(i) - Distributions. Clause (d)(i) of Paragraph 6 shall
be amended and restated to read in its entirety as follows:
"(i) Distributions. If the Secured Party receives Distributions on a Local
Business Day, it will credit to Pledgor not later than the following Local
Business Day any Distributions it receives, and such Distributions will
constitute Posted Collateral and will be subject to the security interest
granted under Xxxxxxxxx 0."
(xxx) Amendment of Paragraph 6(d)(ii) - Interest Amount. Clause (d)(ii) of Paragraph 6
shall be amended and restated to read in its entirety as follows:
"(ii) Interest Amount. In lieu of any interest, dividends or other amounts
paid with respect to Posted Collateral in the form of cash (all of which may
be retained by the Secured Party), the Secured Party will credit to Pledgor on
the 20th day of each calendar month (or if such day is not a Local Business
Day, the next Local Business Day) the Interest Amount. The Interest Amount
will constitute Posted Collateral and will be subject to the security interest
granted under Paragraph 2. For purposes of calculating the Interest Amount
the amount of interest calculated for each day of the interest period shall be
compounded monthly." Secured Party shall not be obliged to credit any
Interest Amount unless and until it has received such amount.
(i) Demands and Notices.
All demands, specifications and notices under this Annex will be made pursuant to the Notices
Section of this Agreement.
(j) Addresses for Transfers.
Pledgor: To be provided in writing by Pledgor to Secured Party.
Secured Party: Xxxxx Fargo Bank, National Association
0000 Xxx Xxxxxxxxx Xx.
Xxxxxxxx, XX 00000
Telephone: 000-000-0000
Fax: 000-000-0000
Attention: Client Manager, BSMF 2006-AR4
(k) Other Provision(s).
(i) Amendment of Paragraph 7 - Events of Default. Clause (iii) of Paragraph 7 shall not
apply to Secured Party.
(ii) Non-Reliance. Notwithstanding the obligations of the Secured Party under Paragraph
6(a), and without limiting the generality of the final sentence of Paragraph 6(a), each
party, as Pledgor, acknowledges that it has the means to monitor all matters relating to
all valuations, payments, defaults and rights with respect to Posted Collateral without the
need to rely on the other party, in its capacity as Secured Party, and that, given the
provisions of this Annex on substitution, responsibility for the preservation of the rights
of the Pledgor with respect to all such matters is reasonably allocated hereby to the
Pledgor.
(iii) Agreement as to Single Secured Party and Pledgor. Each of Pledgor and Secured Party agree
that, notwithstanding anything to the contrary in the recital to this Annex, Paragraph
1(b) or Paragraph 2 or the definitions in Paragraph 12, (a) the term "Secured Party" as
used in this Annex means only Secured Party, (b) the term "Pledgor" as used in this
Annex means only Pledgor, (c) only Pledgor makes the pledge and grant in Paragraph 2,
the acknowledgement in the final sentence of Paragraph 8(a) and the representations in
Paragraph 9 and (d) only Pledgor will be required to make Transfers of Eligible Credit
Support hereunder.
(iv) Trustee. The Trustee is hereby authorized to (i) make demands on behalf of the Secured
Party pursuant to Paragraph 3 hereunder and (ii) provide notice on behalf of the Secured
Party pursuant to Paragraph 7 hereunder.
(v) Collateral Account. Secured Party shall at all times maintain all Posted Collateral in a
segregated trust account.
(vi) External Calculations. At any time at which Pledgor (or, to the extent applicable, its
Credit Support Provider) does not have a long-term unsubordinated and unsecured debt
rating of at least "BBB+" from S&P, the Valuation Agent shall (at its own expense)
obtain external calculations of the Secured Party's Exposure from at least two Reference
Market-makers on the last Local Business Day of each calendar month. Any determination
of the S&P Collateral Amount shall be based on the greatest of the Secured Party's
Exposure determined by the Valuation Agent and such Reference Market-makers. Such
external calculation may not be obtained from the same Reference Market-maker more than
four times in any 12-month period.
(vii) Notice to S&P. At any time at which Pledgor (or, to the extent applicable, its Credit
Support Provider) does not have a long-term unsubordinated and unsecured debt rating of
at least "BBB+" from S&P, the Valuation Agent shall provide to S&P not later than the
Notification Time on the Local Business Day following each Valuation Date its
calculations of the Secured Party's Exposure and the Value of any Eligible Credit
Support or Posted Credit Support for that Valuation Date. The Valuation Agent shall
also provide to S&P any external marks of the Secured Party's Exposure.
(viii) Expenses. Pledgor shall be responsible for all reasonable costs and expenses incurred by
Secured Party in connection with the Transfer of any Eligible Collateral under this
Annex.
(ix) Additional Defined Terms.
"DV01" means, with respect to a Transaction and any date of determination, the sum of the
estimated change in the Secured Party's Exposure with respect to such Transaction that
would result from a one basis point change in the relevant swap curve on such date, as
determined by the Valuation Agent in good faith and in a commercially reasonable manner.
The Valuation Agent shall, upon request of Secured Party, provide to Secured Party a
statement showing in reasonable detail such calculation.
"Xxxxx'x First Level Additional Collateralized Amount" means, with respect to any
Transaction, the lesser of (x) the product of 15 and DV01 for such Transaction and such
Valuation Date and (y) the product of 2% and the Notional Amount for such Transaction for
the Calculation Period which includes such Valuation Date.
"Xxxxx'x First Level Collateral Amount" means, (A) for any Valuation Date on which (I) a
Xxxxx'x First Level Downgrade has occurred and has been continuing (x) for at least 30
Local Business Days or (y) since this Annex was executed and (II) it is not the case that
a Xxxxx'x Second Level Downgrade has occurred and been continuing for at least 30 Local
Business Days, an amount equal to the greater of (a) zero and (b) the sum of the Secured
Party's aggregate Exposure for all Transactions and the aggregate of Xxxxx'x First Level
Additional Collateralized Amounts for each Transaction and (B)for any other Valuation
Date, zero.
"Xxxxx'x First Level Value" means, for any date that the Xxxxx'x First Level Collateral
Amount is determined and the Value of any Eligible Collateral or Posted Collateral that is
a security, the bid price for such security obtained by the Valuation Agent multiplied by
the Xxxxx'x First Level Valuation Percentage for such security set forth on Schedule A
hereto.
"Xxxxx'x Second Level Additional Collateralized Amount" means, with respect to any
Transaction,
(1) if such Transaction is not a Transaction-Specific Hedge, the lesser of (i) the
product of the 50 and DV01 for such Transaction and such Valuation Date and (ii) the
product of 8% and the Notional Amount for such Transaction for the Calculation Period
(as defined in the related Transaction) which includes such Valuation Date; or
(2) if such Transaction is a Transaction-Specific Hedge, the lesser of (i) the product
of the 65 and DV01 for such Transaction and such Valuation Date and (ii) the product
of 10% and the Notional Amount for such Transaction for the Calculation Period (as
defined in the related Transaction) which includes such Valuation Date.
"Xxxxx'x Second Level Collateral Amount" means, (A) for any Valuation Date on which it is
the case that a Xxxxx'x Second Level Downgrade has occurred and been continuing for at
least 30 Local Business Days, an amount equal to the greatest of (a) zero, (b) the
aggregate amount of the Next Payments for all Next Payment Dates and (c) the sum of the
Secured Party's aggregate Exposure and the aggregate of Xxxxx'x Second Level Additional
Collateralized Amounts for each Transaction and (B) for any other Valuation Date, zero.
"Xxxxx'x Second Level Value" means, for any date that the Xxxxx'x Second Level Collateral
Amount is determined and the Value of any Eligible Collateral or Posted Collateral that is
a security, the bid price for such security obtained by the Valuation Agent multiplied by
the Xxxxx'x Second Level Valuation Percentage for such security set forth on Schedule A
hereto.
"Next Payment" means, in respect of each Next Payment Date, the greater of (i) the amount
of any payments due to be made by the Pledgor pursuant to Section 2(a) on such Next
Payment Date less any payments due to be made by the Secured Party under Section 2(a) on
such Next Payment Date (in each case, after giving effect to any applicable netting under
Section 2(c)) and (ii) zero.
"Next Payment Date" means the next scheduled payment date under any Transaction.
"Remaining Weighted Average Maturity" means, with respect to a Transaction, the expected
weighted average maturity for such Transaction as determined by the Valuation Agent.
"S&P Collateral Amount" means, (A) for any Valuation Date on which a S&P First Level
Downgrade has occurred and been continuing for at least 30 days or on which a S&P Second
Level Downgrade has occurred and is continuing, an amount equal to the sum of (1) 100.0%
of the Secured Party's Exposure for such Valuation Date and (2) the product of the
Volatility Buffer for each Transaction and the Notional Amount of such Transaction for the
Calculation Period (as defined in the related Transaction) of such Transaction which
includes such Valuation Date, or (B) for any other Valuation Date, zero.
"S&P Value" means, for any date that the S&P Collateral Amount is determined and the Value
of any Eligible Collateral or Posted Collateral that is a security, the bid price for such
security obtained by the Valuation Agent multiplied by the S&P Valuation Percentage for
such security set forth on Schedule A hereto.
"Transaction-Specific Hedge" means any Transaction that is a cap, floor or swaption or a
Transaction in respect of which (x) the notional amount of the interest rate swap is
"balance guaranteed" or (y) the notional amount of the interest rate swap for any
Calculation Period otherwise is not a specific dollar amount that is fixed at the
inception of the Transaction.
"Volatility Buffer" means, for any Transaction, the related percentage set forth in the
following table:
--------------------------- --------------- -------------- ---------------- -----------------
The higher of the S&P Remaining Remaining Remaining Remaining
short-term credit rating Weighted Weighted Weighted Weighted
of (i) Pledgor and (ii) Average Average Average Average Maturity
the Credit Support Maturity Maturity Maturity up to 30 years
Provider of Pledgor, if up to 3 years up to 5 years up to 10 years
applicable
--------------------------- --------------- -------------- ---------------- -----------------
"A-2" or higher 2.75% 3.25% 4.00% 4.75%
--------------------------- --------------- -------------- ---------------- -----------------
"A-3" 3.25% 4.00% 5.00% 6.25%
--------------------------- --------------- -------------- ---------------- -----------------
"BB+" or lower 3.50% 4.50% 6.75% 7.50%
--------------------------- --------------- -------------- ---------------- -----------------
IN WITNESS WHEREOF, the parties have executed this Annex on the respective dates specified below with
effect from the date specified on the first page of this document.
BEAR XXXXXXX FINANCIAL PRODUCTS INC. BEAR XXXXXXX MORTGAGE
FUNDING TRUST 2006-AR4
By: Xxxxx Fargo Bank, National
Association, not individually but
solely as Trustee
By:______________________________ By:______________________________
Name: Name:
Title: Title:
Date: Date:
SCHEDULE A
COLLATERAL SCHEDULE
The Xxxxx'x First Level Valuation Percentages shall be used in determining the Xxxxx'x First Level
Collateral Amount.
The Xxxxx'x Second Level Valuation Percentages shall be used in determining the Xxxxx'x Second Level
Collateral Amount.
The S&P Valuation Percentages shall be used in determining the S&P Collateral Amount.
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
ISDA Collateral Asset Remaining Maturity Xxxxx'x First Level Xxxxx'x Second Level S&P
Definition (ICAD) Code Valuation Percentage Valuation Percentage Valuation Percentage
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
US-CASH N/A 100% 100% 100%
EU-CASH N/A 98% 94% 92.5%
GB-CASH N/A 98% 95% 94.1%
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
< 1 Year 100% 100% 98.9%
1 to 2 years 100% 99% 98.0%
US-TBILL 2 to 3 years 100% 98% 97.4%
US-TNOTE 3 to 5 years 100% 97% 95.5%
US-TBOND 5 to 7 years 100% 96% 93.7%
(fixed rate) 7 to 10 years 100% 94% 95.5%
10 to 20 years 100% 90% 91.1%
> 20 years 100% 88% 88.6%
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
US-TBILL
US-TNOTE
US-TBOND Not Eligible
(floating rate) All Maturities 100% 99% Collateral
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
GA-US-AGENCY < 1 Year 100% 99% 98.5%
(fixed rate) 1 to 2 years 100% 99% 97.7%
2 to 3 years 100% 98% 97.3%
3 to 5 years 100% 96% 94.5%
5 to 7 years 100% 93% 93.1%
7 to 10 years 100% 93% 90.7%
10 to 20 years 100% 89% 87.7%
> 20 years 100% 87% 84.4%
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
GA-US-AGENCY All Maturities 100% 98% Not Eligible
(floating rate) Collateral
--------------------------- --------------------- ------------------------ ---------------------------- ----------------------
Rated Aa3 or better Rated Aa3 or better Rated AAA or better
by Xxxxx'x by Xxxxx'x by S&P
< 1 Year 98% 94% 98.8%
1 to 2 years 98% 93% 97.9%
GA-EUROZONE-GOV (other 2 to 3 years 98% 92% 97.1%
than EU-CASH) (fixed 3 to 5 years 98% 90% 91.2%
rate) 5 to 7 years 98% 89% 87.5%
7 to 10 years 98% 88% 83.8%
10 to 20 years 98% 84% 75.5%
> 20 years 98% 82% Not Eligible
Collateral
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
GA-EUROZONE-GOV (other Rated Aa3 or better Rated Aa3 or better Rated AAA or better
than EU-CASH) (floating rate) by Xxxxx'x by Xxxxx'x by S&P
All Maturities 98% 93% Not Eligible
Collateral
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
< 1 Year 98% 94% Not Eligible Collateral
1 to 2 years 98% 93% Not Eligible Collateral
2 to 3 years 98% 92% Not Eligible Collateral
GA-GB-GOV 3 to 5 years 98% 91% Not Eligible Collateral
(other than GB-CASH) 5 to 7 years 98% 90% Not Eligible Collateral
(fixed rate) 7 to 10 years 98% 89% Not Eligible Collateral
10 to 20 years 98% 86% Not Eligible Collateral
> 20 years 98% 84% Not Eligible Collateral
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
GA-GB-GOV All Maturities 98% 94% Not Eligible Collateral
(other than GB-CASH)
(floating rate)
-------------------------- --------------------- ------------------------ ---------------------------- ----------------------
The ISDA Collateral Asset Definition (ICAD) Codes used in this Collateral Schedule shall have the
meanings set forth in the Collateral Asset Definitions (First Edition - June 2003) as published and
copyrighted in 2003 by the International Swaps and Derivatives Association, Inc.
EXHIBIT O
CERTIFICATE GUARANTY INSURANCE POLICY ENDORSEMENT
Attached to and forming part of Effective Date of Endorsement:
Certificate Guaranty Insurance Policy November 30, 2006
#AB1047BE issued to:
Xxxxx Fargo Bank, National Association,
as Trustee for the Holders of
Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage
Pass-Through Certificates, Series 2006-AR4,
Class A-2 Certificates
For all purposes of this Policy, the following terms shall have the following meanings:
"Agreement" shall mean, for purposes of the Policy, the Pooling Agreement.
"Business Day": Any day other than a Saturday, a Sunday or a day on which banking or savings
and loan institutions in the State of New York, the State of Minnesota or the city in which the
Corporate Trust Office of the Trustee is located, are authorized or obligated by law or executive order
to be closed.
"Certificate Insurer" shall mean Ambac Assurance Corporation, or any successor thereto, as
issuer of this Policy.
"Class A-2 Certificates" shall mean Bear Xxxxxxx Mortgage Funding Trust 2006-AR4, Mortgage
Pass-Through Certificates, Series 2006-AR4, Class A-2 Certificates, substantially in the form set forth
in Exhibit A-1 to the Agreement.
"Deficiency Amount" shall mean (a) for any Distribution Date prior to the
Final Distribution Date, the sum of (1) the excess, if any, of the Current Interest on the Insured
Certificates over the amount of available funds to pay the Current Interest on the Insured Certificates
on such Distribution Date, and (2) the amount, if any, of any Realized Losses allocable to the Insured
Certificates on such Distribution Date (after giving effect to all distributions to be made thereon on
such Distribution Date, other than pursuant to a claim on the Policy) and (b) for the Final Distribution
Date, the sum of (x) the amount set forth in clause (a) above and (y) the outstanding Current Principal
Amount of the Insured Certificates, after giving effect to all payments of principal on the Insured
Certificates on such Final Distribution Date, other than pursuant to a claim on the Policy on that
Distribution Date.
"Distribution Date": The 25th day of any month, or if such 25th day is not a
Business Day, the Business Day immediately following such 25th day, commencing in December 2006.
"Due for Payment" shall mean with respect to an Insured Amount, the Distribution Date on which
Insured Amounts are due and payable pursuant to the terms of the Agreement.
"Final Distribution Date" shall mean the Distribution Date occurring in December 2037.
"First Distribution Date" shall mean December 26, 2006.
"Holder" shall mean the registered owner or beneficial owner of an Insured Certificate, but
shall not include the Trustee, the Sponsor, the Depositor, the Servicer or any of their respective
affiliates (other than Bear, Xxxxxxx & Co. Inc., Bear Xxxxxxx Securities Corp., Bear Xxxxxxx
International Limited or Bear Xxxxxxx Investment Products Inc.), unless otherwise agreed to by the
Certificate Insurer.
"Insured Amounts" shall mean, with respect to any Distribution Date, the Deficiency Amount for
such Distribution Date.
"Insured Certificates" shall mean the Class A-2 Certificates.
"Insured Payments" shall mean, with respect to any Distribution Date, the aggregate amount
actually paid by the Certificate Insurer to the Trustee in respect of (i) Insured Amounts for a
Distribution Date and (ii) Preference Amounts for any given Business Day.
"Late Payment Rate" shall mean for any Distribution Date, the lesser of (i) the greater of (a)
the rate of interest, as it is publicly announced by Citibank, N.A. at its principal office in New York,
New York as its prime rate (any change in such prime rate of interest to be effective on the date such
change is announced by Citibank, N.A.) plus 2% and (b) the then applicable highest rate of interest on
the Insured Certificates and (ii) the maximum rate permissible under applicable usury or similar laws
limiting interest rates. The Late Payment Rate shall be computed on the basis of the actual number of
days elapsed over a year of 360 days.
"Nonpayment" shall mean, with respect to any Distribution Date, an Insured Amount is Due for
Payment but has not been paid pursuant to the Agreement.
"Notice" shall mean the telephonic or telegraphic notice, promptly confirmed in writing by
facsimile substantially in the form of Exhibit A to this Policy, from the Trustee specifying the Insured
Amount or Preference Amount which shall be due and owing on the applicable Distribution Date.
"Policy" shall mean this Certificate Guaranty Insurance Policy together with each and every
endorsement thereto.
"Pooling Agreement" shall mean the Pooling and Servicing Agreement, dated November 1 2006,
among Structured Asset Mortgage Investments II Inc., as Depositor, EMC Mortgage Corporation, as Sponsor
and Servicer and Xxxxx Fargo Bank, National Association, as Trustee, as such agreement may be amended,
modified or supplemented from time to time.
"Preference Amount" shall mean any payment of principal or interest on an
Insured Certificate which has become Due for Payment and which is made to a Holder by or on behalf of
the Trust, which has been deemed a preferential transfer and was previously recovered from the Holder
pursuant to the United States Bankruptcy Code in accordance with a final, non-appealable order of a
court of competent jurisdiction.
"Premium" shall mean the amount payable to the Certificate Insurer on each Distribution Date
calculated at the Premium Percentage.
"Premium Percentage" shall mean 0.08% per annum.
"Reimbursement Amount" shall mean, as to any Distribution Date, the sum of (i) all Insured
Payments paid by the Certificate Insurer, but for which the Certificate Insurer has not been reimbursed
prior to such Distribution Date pursuant to Section 6.01 of the Agreement, plus (ii) interest accrued
thereon, calculated at the related Late Payment Rate from the date the Trustee received the related
Insured Payments or the date such Insured Payments were made.
"Trustee" shall mean Xxxxx Fargo Bank, National Association or its successor-in-interest, in
its capacity as Trustee under the Agreement, or if any successor trustee shall be appointed as provided
therein, then "Trustee" shall also mean such successor trustee, as the case may be, subject to the
provisions thereof.
Capitalized terms used herein as defined terms and not otherwise defined herein shall have the
meaning assigned to them in the Agreement, without regard to any amendment or modification thereof,
unless such amendment or modification has been approved in writing by the Certificate Insurer, to the
extent required under the Agreement.
Notwithstanding any other provision of the Policy, the Certificate Insurer will pay any Insured
Amount payable hereunder no later than 12:00 noon, New York City time, on the later of (i) the
Distribution Date on which the related Insured Amount is Due for Payment and (ii) the second Business
Day following receipt in New York, New York on a Business Day by the Certificate Insurer of a Notice;
provided that, if such Notice is received after 12:00 noon, New York City time, on such Business Day, it
shall be deemed to be received on the following Business Day. If any such Notice is not in proper form
or is otherwise insufficient for the purpose of making a claim under the Policy, it shall be deemed not
to have been received for purposes of this paragraph, and the Certificate Insurer shall promptly so
advise the Trustee and the Trustee may submit an amended or corrected Notice.
The Certificate Insurer shall pay any Preference Amount when due to be paid pursuant to the
Order referred to below, but in any event no earlier than the third Business Day following receipt by
the Certificate Insurer of (i) a certified copy of a final, non-appealable order of a court or other
body exercising jurisdiction in such insolvency proceeding to the effect that the Trustee or Holder, as
applicable, is required to return such Preference Amount paid during the term of this Policy because
such payments were avoided as a preferential transfer or otherwise rescinded or required to be restored
by the Trustee or Holder (the "Order"), (ii) a notice by or on behalf of the Trustee or Holder that the
Order has been entered and is not subject to any stay, (iii) an assignment, in form and substance
satisfactory to the Certificate Insurer, duly executed and delivered by the Trustee or Holder, as
applicable, irrevocably assigning to the Certificate Insurer all rights and claims of the Trustee or
Holder relating to or arising under the Agreement against the estate of the Trust or otherwise with
respect to such Preference Amount and (iv) a Notice (in the form attached hereto as Exhibit A)
appropriately completed and executed by the Trustee; provided, that if such documents are received after
12:00 noon, New York City time, on such Business Day, they will be deemed to be received on the
following Business Day; provided, further, that the Certificate Insurer shall not be obligated to make
any payment in respect of any Preference Amount representing a payment of principal on the Insured
Certificates prior to the time the Certificate Insurer would have been required to make a payment in
respect of such principal pursuant to the first paragraph of the Policy. Such payment shall be disbursed
to the receiver, conservator, debtor-in-possession or trustee in bankruptcy named in the Order, and not
to the Holder directly, unless the Holder has made a payment of the Preference Amount to the court or
such receiver, conservator, debtor-in-possession or trustee in bankruptcy named in the Order, in which
case the Certificate Insurer will pay the Holder, subject to the delivery of (a) the items referred to
in clauses (i), (ii), (iii) and (iv) above to the Certificate Insurer and (b) evidence satisfactory to
the Certificate Insurer that payment has been made to such court or receiver, conservator,
debtor-in-possession or trustee in bankruptcy named in the Order.
The Certificate Insurer shall be subrogated to the rights of each Holder to the extent of any
payment by the Certificate Insurer under the Policy.
The Certificate Insurer hereby agrees that if it shall be subrogated to the rights of Holders
by virtue of any payment under this Policy, no recovery of such payment will occur unless the full
amount of the Holders' allocable distributions for such Distribution Date can be made. In so doing, the
Certificate Insurer does not waive its rights to seek full payment of all Reimbursement Amounts owed to
it hereunder or under the Agreement.
The Policy does not cover Prepayment Interest Shortfalls, Basis Risk Shortfalls, or any
shortfalls resulting from Net Deferred Interest or the application of the Relief Act or similar state
laws, allocated to the Insured Certificates, nor does the Policy guarantee to the Holders of the Insured
Certificates any particular rate of principal payment. In addition, the Policy does not cover
shortfalls, if any, attributable to the liability of the Trust, any REMIC or the Trustee for withholding
taxes, if any, (including interest and penalties in respect of any liability for withholding taxes) nor
any risk other than Nonpayment, including the failure of the Trustee to make any payment required under
the Agreement to the Holders of the Insured Certificates. The Policy will not cover any reduction in
the amount of Current Interest payable to the holders of the Insured Certificates on any Distribution
Date due to the pass-through rate for the Insured Certificates exceeding the Net Rate Cap for the
Insured Certificates on such Distribution Date.
The terms and provisions of the Agreement constitute the instrument of assignment referred to
in the second paragraph of the face of this Policy.
A premium will be payable on this Policy on each Distribution Date as provided in Section 6.01
of the Agreement, beginning with the First Distribution Date, in an amount equal to the Premium.
THE INSURANCE PROVIDED BY THE POLICY IS NOT COVERED BY THE PROPERTY/CASUALTY INSURANCE SECURITY
FUND SPECIFIED IN ARTICLE 76 OF THE NEW YORK INSURANCE LAW.
Nothing herein contained shall be held to vary, alter, waive or extend any of the terms,
conditions, provisions, agreements or limitations of the above mentioned Policy other than as above
stated.
To the extent the provisions of this endorsement conflict with the provisions in the
above-mentioned Policy, the provisions of this endorsement shall govern.
The Policy and the obligations of the Certificate Insurer thereunder will terminate without any
action on the part of the Certificate Insurer or any other person on the date that is one year and one
day following the earlier to occur of (i) the date on which all amounts required to be paid on the
Insured Certificates have been paid in full and (ii) the Final Distribution Date. Upon termination of
the Policy, the Trustee shall deliver the original of the Policy to the Certificate Insurer.
No person other than the Trustee shall be entitled to present the Notice.
No waiver of any rights or powers of the Certificate Insurer, the Holders or the Trustee or
consent by any of them shall be valid unless signed by an authorized officer or agent thereof.
This Policy is issued under and pursuant to, and shall be construed in accordance with, the
laws of the State of New York, without giving effect to the conflict of laws principles thereof.
The Certificate Insurer's obligations under the Policy will be discharged to the extent that
funds are received by the Trustee from the Certificate Insurer for payment to the holders of the Insured
Certificates whether or not those funds are properly paid by the Trustee. Payments of Insured Amounts
will be made only at the time set forth in the Policy, and no accelerated payments of Insured Amounts
will be made regardless of any acceleration of the Insured Certificates, unless the acceleration is at
the sole option of the Certificate Insurer.
IN WITNESS WHEREOF, Ambac Assurance Corporation has caused this endorsement to the Policy to be
signed by its duly authorized officers.
_______________________________________ _____________________________________
Assistant Secretary First Vice President
EXHIBIT A
TO THE CERTIFICATE GUARANTY INSURANCE POLICY
Policy No. AB1047BE
NOTICE OF NONPAYMENT AND DEMAND
FOR PAYMENT OF INSURED AMOUNTS AND PREFERENCE AMOUNTS
Date: [ ]
Ambac Assurance Corporation
Xxx Xxxxx Xxxxxx Xxxxx
Xxx Xxxx, Xxx Xxxx 00000
Attention: General Counsel
Reference is made to Certificate Guaranty Insurance Policy No. AB1047BE (the "Policy") issued
by Ambac Assurance Corporation ("Ambac"). Terms capitalized herein and not otherwise defined shall have
the meanings specified in the Policy and the Pooling Agreement, dated as of November 1, 2006, among
Structured Asset Mortgage Investments II Inc., as Depositor, EMC Mortgage Corporation, as Sponsor and
Servicer and Xxxxx Fargo Bank, National Association, as Trustee, as the case may be, unless the context
otherwise requires.
The Trustee hereby certifies as follows:
1. The Trustee is the Trustee under the Agreement for the Holders.
2. The relevant Distribution Date is [date].
3. Payment on the Insured Certificates in respect of the Distribution Date is due
to be received on _________________________ under the Agreement in an amount
equal to $_________.
4. [There is an Insured Amount of $______________ in respect of the Class A-2
Certificates, which amount is Due for Payment pursuant to the terms of the
Agreement.]
5. [There is a Preference Amount of $______________ in respect of the Class A-2
Certificates, which is due and payable pursuant to the terms of the Agreement.]
6. The Trustee has not heretofore made a demand for the [Insured Amount]
[Preference Amount] in respect of the Distribution Date.
7. The Trustee hereby requests the payment of the [Insured Amount that is Due For
Payment] [Preference Amount] be made by Ambac under the Policy and directs
that payment under the Policy be made to the following account by bank wire
transfer of federal or other immediately available funds in accordance with
the terms of the Policy to: ______________________________ (Trustee's account
number).
8. The Trustee hereby agrees that, following receipt of the [Insured Amount]
[Preference Amount] from Ambac, it shall (a) hold such amounts in trust and
apply the same directly to the distribution of payment on the Class A-2
Certificates when due; (b) not apply such funds for any other purpose; (c)
deposit such funds to the Policy Account and not commingle such funds with
other funds held by Trustee and (d) maintain an accurate record of such
payments with respect to each certificate and the corresponding claim on the
Policy and proceeds thereof.
ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE COMPANY OR OTHER PERSON FILES
AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM CONTAINING ANY MATERIALLY FALSE INFORMATION, OR
CONCEALS FOR THE PURPOSE OF MISLEADING, INFORMATION CONCERNING ANY FACT MATERIAL THERETO, COMMITS A
FRAUDULENT INSURANCE ACT, WHICH IS A CRIME AND SHALL ALSO BE SUBJECT TO A CIVIL PENALTY NOT TO EXCEED
FIVE THOUSAND DOLLARS AND THE STATED VALUE OF THE CLAIM FOR EACH SUCH VIOLATION.
By: __________________________________________
Trustee
Title: __________________________________________
(Officer)
EXHIBIT P
SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE
(RMBS unless otherwise noted)
Definitions
Primary Servicer - transaction party having borrower contact; aggregator of pool assets
Back-up Servicer - named in the transaction (in the event a Back-up Servicer becomes the Primary
Servicer, follow Primary Servicer obligations)
Custodian - safe keeper of pool assets
Trustee - fiduciary of the transaction; waterfall calculator
Note: The definitions above describe the essential function that the party performs, rather than the
party's title. So, for example, in a particular transaction, the trustee may perform the "paying agent"
and "securities administrator" functions, while in another transaction, the securities administrator may
perform these functions.
Where there are multiple checks for criteria the attesting party will identify in their management
assertion that they are attesting only to the portion of the distribution chain they are responsible for
in the related transaction agreements.
Key:
X - obligation
Where there are multiple checks for criteria the attesting party will identify in their
management assertion that they are attesting only to the portion of the distribution chain they are
responsible for in the related transaction agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Primary
Reg AB Reference Servicing Criteria Servicer Trustee Custodian
----------------------- ------------------------------------------- ------------- ------------- -------------
General Servicing Considerations
---------------------- ------------------------------------------- ------------- ------------- -------------
1122(d)(1)(i) Policies and procedures are instituted to X X
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 X X
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)(iv) A fidelity bond and errors and omissions X
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 pool assets are deposited X X
into the appropriate custodial bank
accounts and related bank clearing
accounts no more than two business days
following receipt and identification, or
such other number of days specified in
the transaction agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Disbursements made via wire transfer on X X
behalf of an obligor or to an investor
1122(d)(2)(ii) are made only by authorized personnel.
---------------------- ------------------------------------------- ------------- ------------- -------------
Advances of funds or guarantees regarding X X
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
1122(d)(2)(iii) agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
The related accounts for the transaction, X X
such as cash reserve accounts or accounts
established as a form of over
collateralization, are separately
maintained (e.g., with respect to
commingling of cash) as set forth in the
1122(d)(2)(iv) transaction agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Each custodial account is maintained at a X X
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
1122(d)(2)(v) Securities Exchange Act.
---------------------- ------------------------------------------- ------------- ------------- -------------
Unissued checks are safeguarded so as to X
1122(d)(2)(vi) prevent unauthorized access.
---------------------- ------------------------------------------- ------------- ------------- -------------
1122(d)(2)(vii) Reconciliations are prepared on a monthly X X
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 45 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.
---------------------- ------------------------------------------- ------------- ------------- -------------
Investor Remittances and Reporting
---------------------- ------------------------------------------- ------------- ------------- -------------
1122(d)(3)(i) Reports to investors, including those to X X
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 Pool
Assets serviced by the Servicer.
---------------------- ------------------------------------------- ------------- ------------- -------------
Amounts due to investors are allocated X X
and remitted in accordance with
timeframes, distribution priority and
other terms set forth in the transaction
1122(d)(3)(ii) agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Disbursements made to an investor are X X
posted within two business days to the
Servicer's investor records, or such
other number of days specified in the
1122(d)(3)(iii) transaction agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Amounts remitted to investors per the X X
investor reports agree with cancelled
checks, or other form of payment, or
1122(d)(3)(iv) custodial bank statements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Pool Asset Administration
---------------------- ------------------------------------------- ------------- ------------- -------------
1122(d)(4)(i) Collateral or security on pool assets is X X
maintained as required by the transaction
agreements or related pool asset
documents.
---------------------- ------------------------------------------- ------------- ------------- -------------
1122(d)(4)(ii) Pool assets and related documents are X X
safeguarded as required by the
transaction agreements
---------------------- ------------------------------------------- ------------- ------------- -------------
1122(d)(4)(iii) Any additions, removals or substitutions X X
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 pool assets, including any X
payoffs, made in accordance with the
related pool asset documents are posted
to the Servicer's obligor records
maintained no more than two business days
after receipt and identification, 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
pool asset documents.
---------------------- ------------------------------------------- ------------- ------------- -------------
The Servicer's records regarding the pool X
assets agree with the Servicer's records
with respect to an obligor's unpaid
1122(d)(4)(v) principal balance.
---------------------- ------------------------------------------- ------------- ------------- -------------
Changes with respect to the terms or X
status of an obligor's pool assets (e.g.,
loan modifications or re-agings) are
made, reviewed and approved by authorized
personnel in accordance with the
transaction agreements and related pool
1122(d)(4)(vi) asset documents.
---------------------- ------------------------------------------- ------------- ------------- -------------
Loss mitigation or recovery actions X
(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
1122(d)(4)(vii) agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
1122(d)(4)(viii) Records documenting collection efforts X
are maintained during the period a pool
asset 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 pool assets 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 X
return for pool assets with variable
rates are computed based on the related
pool asset documents.
---------------------- ------------------------------------------- ------------- ------------- -------------
1122(d)(4)(x) Regarding any funds held in trust for an X
obligor (such as escrow accounts): (A)
such funds are analyzed, in accordance
with the obligor's pool asset 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 pool asset
documents and state laws; and (C) such
funds are returned to the obligor within
30 calendar days of full repayment of the
related pool assets, or such other number
of days specified in the transaction
agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Payments made on behalf of an obligor X
(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
1122(d)(4)(xi) the transaction agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Any late payment penalties in connection X
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
1122(d)(4)(xii) obligor's error or omission.
---------------------- ------------------------------------------- ------------- ------------- -------------
Disbursements made on behalf of an X
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
1122(d)(4)(xiii) agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Delinquencies, charge-offs and X
uncollectible accounts are recognized and
recorded in accordance with the
1122(d)(4)(xiv) transaction agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
Any external enhancement or other X X
support, identified in Item 1114(a)(1)
through (3) or Item 1115 of Regulation
AB, is maintained as set forth in the
1122(d)(4)(xv) transaction agreements.
---------------------- ------------------------------------------- ------------- ------------- -------------
[NAME OF OWNER] [NAME OF SUBSERVICER]
Date: _________________________
By: _________________________
Name:
Title:
EXHIBIT Q-1
FORM OF BACK-UP CERTIFICATION
TO BE PROVIDED BY THE SERVICER TO THE DEPOSITOR
Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY
PARTIES]
I, ____________________________, the _______________________ of [NAME OF COMPANY] (the
"Company"), certify to [the Purchaser], [the Depositor], and the [Servicer] [Trustee], and their
officers, with the knowledge and intent that they will rely upon this certification, that:
1. 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] [Servicer] [Trustee] pursuant to the
Agreement (collectively, the "Company Servicing Information");
2. 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;
3. 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] [Servicer] [Trustee];
4. 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
5. 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] [Servicer]. Any material instances of noncompliance described in such reports have
been disclosed to the [Depositor] [Servicer]. Any material instance of noncompliance with the
Servicing Criteria has been disclosed in such reports.
Date: ______________________________
By: ______________________________
Name:
Title:
EXHIBIT Q-2
FORM OF BACK-UP CERTIFICATION
TO BE PROVIDED BY THE TRUSTEE TO THE DEPOSITOR
Re: ________________________________ Trust 200_-____(the "Trust"), Mortgage
Pass-Through Certificates, Series 200_-____, issued pursuant to the Pooling and
Servicing Agreement, dated as of ________, 200_, among ____________________________,
as Depositor, Xxxxx Fargo Bank, National Association, as [Trustee] and
________________________________.
The [Trustee] hereby certifies to the Depositor, and its officers, directors and affiliates,
and with the knowledge and intent that they will rely upon this certification, that:
1. I have reviewed the annual report on Form 10-K for the fiscal year [____] (the
"Annual Report"), and all reports on Form 10-D required to be filed in respect of period covered by the
Annual Report (collectively with the Annual Report, the "Reports"), of the Trust;
2. To my knowledge, (a) the Reports, taken as a whole, do not contain any untrue
statement of a material fact or omit to state a material fact necessary to make the statements made, in
light of the circumstances under which such statements were made, not misleading with respect to the
period covered by the Annual Report, and (b) the [Trustee's] assessment of compliance and related
attestation report referred to below, taken as a whole, do not contain any untrue statement of a
material fact or omit to state a material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading with respect to the period covered
by such assessment of compliance and attestation report;
3. To my knowledge, the distribution information required to be provided by the
[Trustee] under the Pooling and Servicing Agreement for inclusion in the Reports is included in the
Reports;
4. I am responsible for reviewing the activities performed by the [Trustee]
under the Pooling and Servicing Agreement, and based on my knowledge and the compliance review conducted
in preparing the compliance statement of the [Trustee] required by the Pooling and Servicing Agreement,
and except as disclosed in the Reports, the [Trustee] has fulfilled its obligations under the Pooling
and Servicing Agreement in all material respects; and
5. The report on assessment of compliance with servicing criteria applicable to
the [Trustee] for asset-backed securities of the [Trustee] and each Subcontractor utilized by the
[Trustee] and related attestation report on assessment of compliance with servicing criteria applicable
to it required to be included in the Annual Report in accordance with Item 1122 of Regulation AB and
Exchange Act Rules 13a-18 and 15d-18 has been included as an exhibit to the Annual Report. Any material
instances of non-compliance are described in such report and have been disclosed in the Annual Report.
In giving the certifications above, the [Trustee] has reasonably relied on information provided
to it by the following unaffiliated parties: [names of servicer(s), master servicer, subservicer,
depositor, trustee, custodian(s)].
Date:________________________________________________
_____________________________________________________
[Signature]
[Title]
EXHIBIT R
FORM 10-D, FORM 8-K AND FORM 10-K
REPORTING RESPONSIBILITY
As to each item described below, the entity indicated as the Responsible Party shall be primarily
responsible for reporting the information to the party identified as responsible for preparing the
Securities Exchange Act Reports pursuant to Section 3.18(a)(iv).
Under Item 1 of Form 10-D: a) items marked "Monthly Statements to Certificateholders" are required to be
included in the periodic Distribution Date statement under Section 6.04 of the Pooling and Servicing
Agreement, provided by the Trustee based on information received from the Servicer; and b) items marked
"Form 10-D report" are required to be in the Form 10-D report but not the Monthly Statements to
Certificateholders, provided by the party indicated. Information under all other Items of Form 10-D is
to be included in the Form 10-D report and sent to the Trustee and the Depositor.
X = such party is the source of information.
All information will be sent to the Depositor and the Trustee.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Form Item Description Servicer Trustee Custodian Depositor Sponsor
----------- ----------------------------------------------------------------------------------------------------------------------------------
10-D Must be filed within 15 days of the distribution date for the asset-backed securities.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
1 Distribution and
Pool Performance
Information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1121(a) -
Distribution and
Pool Performance
Information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(1) Any applicable X
record dates,
accrual dates, (Monthly Statements to
determination dates Certificateholders)
for calculating
distributions and
actual distribution
dates for the
distribution period.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(2) Cash flows X
received and the
sources thereof for (Monthly Statements to
distributions, fees Certificateholders)
and expenses.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(3) Calculated X
amounts and
distribution of the (Monthly Statements to
flow of funds for Certificateholders)
the period itemized
by type and priority
of payment,
including:
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(i) Fees or X
expenses accrued and
paid, with an (Monthly Statements to
identification of Certificateholders)
the general purpose
of such fees and the
party receiving such
fees or expenses.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(ii) X
Payments accrued or
paid with respect to (Monthly Statements to
enhancement or other Certificateholders)
support identified
in Item 1114 of
Regulation AB (such
as insurance
premiums or other
enhancement
maintenance fees),
with an
identification of
the general purpose
of such payments and
the party receiving
such payments.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(iii) X
Principal, interest
and other (Monthly Statements to
distributions Certificateholders)
accrued and paid on
the asset-backed
securities by type
and by class or
series and any
principal or
interest shortfalls
or carryovers.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(iv) The X
amount of excess
cash flow or excess (Monthly Statements to
spread and the Certificateholders)
disposition of
excess cash flow.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(4) Beginning and X
ending principal
balances of the (Monthly Statements to
asset-backed Certificateholders)
securities.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(5) Interest rates X
applicable to the
pool assets and the (Monthly Statements to
asset-backed Certificateholders)
securities, as
applicable. Consider
providing interest
rate information for
pool assets in
appropriate
distributional
groups or
incremental ranges.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(6) Beginning and X
ending balances of
transaction (Monthly Statements to
accounts, such as Certificateholders)
reserve accounts,
and material account
activity during the
period.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(7) Any amounts X
drawn on any credit
enhancement or other (Monthly Statements to
support identified Certificateholders)
in Item 1114 of
Regulation AB, as
applicable, and the
amount of coverage
remaining under any
such enhancement, if
known and applicable.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(8) Number and X Updated pool
amount of pool composition
assets at the (Monthly Statements to information fields
beginning and ending Certificateholders) to be as specified
of each period, and by Depositor from
updated pool time to time
composition
information, such as
weighted average
coupon, weighted
average remaining
term, pool factors
and prepayment
amounts.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(9) Delinquency and X X
loss information for
the period. (Monthly Statements to
Certificateholders)
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
In addition, X
describe any
material changes to
the information
specified in Item
1100(b)(5) of
Regulation AB
regarding the pool
assets. (methodology)
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(10) Information on X X
the amount, terms
and general purpose (Monthly Statements to
of any advances made Certificateholders)
or reimbursed during
the period,
including the
general use of funds
advanced and the
general source of
funds for
reimbursements.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(11) Any material X X
modifications,
extensions or (Monthly Statements to
waivers to pool Certificateholders)
asset terms, fees,
penalties or
payments during the
distribution period
or that have
cumulatively become
material over time.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(12) Material X X* X
breaches of pool
asset (if agreed upon by the
representations or parties)
warranties or
transaction
covenants.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(13) Information on X
ratio, coverage or
other tests used for (Monthly Statements to
determining any Certificateholders)
early amortization,
liquidation or other
performance trigger
and whether the
trigger was met.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
(14) Information X
regarding any new
issuance of
asset-backed
securities backed by
the same asset pool,
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
[information X X X
regarding] any
pool asset
changes (other
than in
connection
with a pool
asset
converting
into cash in
accordance
with its
terms), such
as additions
or removals in
connection
with a
prefunding or
revolving
period and
pool asset
substitutions
and
repurchases
(and purchase
rates, if
applicable),
and cash flows
available for
future
purchases,
such as the
balances of
any prefunding
or revolving
accounts, if
applicable.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Disclose any X X
material
changes in the
solicitation,
credit-granting,
underwriting,
origination,
acquisition or
pool selection
criteria or
procedures, as
applicable,
used to
originate,
acquire or
select the new
pool assets.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1121(b) - X
Pre-Funding or
Revolving Period
Information
Updated pool
information as
required under Item
1121(b).
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
2 Legal Proceedings
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1117 - Legal
proceedings pending
against the
following entities,
or their respective
property, that is
material to
Certificateholders,
including
proceedings known to
be contemplated by
governmental
authorities:
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Sponsor (Seller) X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Depositor X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Trustee
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Issuing entity X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Master Servicer, X
affiliated Servicer,
other Servicer
servicing 20% or
more of pool assets
at time of report,
other material
servicers
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Originator of 20% or X
more of pool assets
as of the Cut-off
Date
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Custodian X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Sales of Securities
and Use of Proceeds
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
3 Information from X
Item 2(a) of Part II
of Form 10-Q:
With respect to any
sale of securities
by the sponsor,
depositor or issuing
entity, that are
backed by the same
asset pool or are
otherwise issued by
the issuing entity,
whether or not
registered, provide
the sales and use of
proceeds information
in Item 701 of
Regulation S-K.
Pricing information
can be omitted if
securities were not
registered.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Defaults Upon Senior
Securities
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
4 Information from X
Item 3 of Part II of
Form 10-Q:
Report the
occurrence of any
Event of Default
(after expiration of
any grace period and
provision of any
required notice)
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Submission of
Matters to a Vote of
Security Holders
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
5 Information from X
Item 4 of Part II of
Form 10-Q
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Significant Obligors
of Pool Assets
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
6 Item 1112(b) - X
Significant Obligor
Financial
Information*
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
*This information
need only be
reported on the Form
10-D for the
distribution period
in which updated
information is
required pursuant to
the Item.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Significant
Enhancement Provider
Information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
7 Item 1114(b)(2) -
Credit Enhancement
Provider Financial
Information*
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Determining X
applicable
disclosure
threshold
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Obtaining X
required
financial
information or
effecting
incorporation
by reference
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1115(b) -
Derivative
Counterparty
Financial
Information*
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Determining X
current
maximum
probable
exposure
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Determining X
current
significance
percentage
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Notify X
derivative
counter-party
of
significance
percentage and
requesting
required
financial
information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Obtain X
required
financial
information or
effecting
incorporation
by reference
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
*This information
need only be
reported on the Form
10-D for the
distribution period
in which updated
information is
required pursuant to
the Items.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
8 Other Information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Disclose any
information required
to be reported on
Form 8-K during the
period covered by
the Form 10-D but
not reported
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
9 Exhibits
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Distribution report X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Exhibits required by X
Item 601 of
Regulation S-K, such
as material
agreements
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
8-K
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
1.01 Entry into a
Material Definitive
Agreement
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Disclosure is X X X X
required regarding
entry into or
amendment of any
definitive agreement
that is material to
the securitization,
even if depositor is
not a party.
Examples: servicing
agreement, custodial
agreement.
Note: disclosure not
required as to
definitive
agreements that are
fully disclosed in
the prospectus
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
1.02 Termination of a X X X X
Material Definitive
Agreement
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Disclosure is
required regarding
termination of any
definitive agreement
that is material to
the securitization
(other than
expiration in
accordance with its
terms), even if
depositor is not a
party.
Examples: servicing
agreement, custodial
agreement.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
1.03 Bankruptcy or
Receivership
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Disclosure is X X X X X
required regarding
the bankruptcy or
receivership, if
known to the Master
Servicer, with
respect to any of
the following:
Sponsor (Seller),
Depositor, Master
Servicer, affiliated
Servicer, other
Servicer servicing
20% or more of pool
assets at time of
report, other
material servicers,
Certificate
Administrator,
Trustee, significant
obligor, credit
enhancer (10% or
more), derivatives
counterparty,
Custodian
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
2.04 Triggering Events
that Accelerate or
Increase a Direct
Financial Obligation
or an Obligation
under an Off-Balance
Sheet Arrangement
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Includes an early X X
amortization,
performance trigger
or other event,
including event of
default, that would
materially alter the
payment
priority/distribution
of cash
flows/amortization
schedule.
Disclosure will be
made of events other
than waterfall
triggers which are
disclosed in the
Monthly Statements
to Certificateholders
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
3.03 Material
Modification to
Rights of Security
Holders
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Disclosure is X X
required of any
material
modification to
documents defining
the rights of
Certificateholders,
including the
Pooling and
Servicing Agreement
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
5.03 Amendments to
Articles of
Incorporation or
Bylaws; Change in
Fiscal Year
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Disclosure is X
required of any
amendment "to the
governing documents
of the issuing
entity"
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
5.06 Change in Shell
Company Status
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
[Not applicable to X
ABS issuers]
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
6.01 ABS Informational
and Computational
Material
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
[Not included in X
reports to be filed
under Section 3.18]
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
6.02 Change of Servicer
or Trustee
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Requires disclosure
of any removal,
replacement,
substitution or
addition of any
master servicer,
affiliated servicer,
other servicer
servicing 10% or
more of pool assets
at time of report,
other material
servicers,
certificate
administrator or
trustee.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Reg AB disclosure X
about any new
servicer is also
required.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Reg AB disclosure X
about any new
trustee is also
required.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
6.03 Change in Credit
Enhancement or Other
External Support
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Covers termination X X
of any enhancement
in manner other than
by its terms, the
addition of an
enhancement, or a
material change in
the enhancement
provided. Applies
to external credit
enhancements as well
as derivatives.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Reg AB disclosure X X
about any new
enhancement provider
is also required.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
6.04 Failure to Make a X
Required Distribution
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
6.05 Securities Act
Updating Disclosure
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
If any material pool X
characteristic
differs by 5% or
more at the time of
issuance of the
securities from the
description in the
final prospectus,
provide updated Reg
AB disclosure about
the actual asset
pool.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
If there are any new X
servicers or
originators required
to be disclosed
under Regulation AB
as a result of the
foregoing, provide
the information
called for in Items
1108 and 1110
respectively.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
7.01 Regulation FD X X X X
Disclosure
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
8.01 Other Events
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Any event, with X
respect to which
information is not
otherwise called for
in Form 8-K, that
the registrant deems
of importance to
security holders.
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
9.01 Financial Statements
and Exhibits
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
10-K
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
9B Other Information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Disclose any
information required
to be reported on
Form 8-K during the
fourth quarter
covered by the Form
10-K but not reported
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
15 Exhibits and
Financial Statement
Schedules
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1112(b) - X
Significant Obligor
Financial Information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1114(b)(2) -
Credit Enhancement
Provider Financial
Information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Determining X
applicable
disclosure
threshold
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Obtaining X
required
financial
information or
effecting
incorporation
by reference
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1115(b) -
Derivative
Counterparty
Financial Information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Determining X
current maximum
probable
exposure
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Determining X
current
significance
percentage
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Notifying X
derivative
counterparty of
significance
percentage and
requesting
required
financial
information
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Obtaining X
required
financial
information or
effecting
incorporation
by reference
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1117 - Legal
proceedings pending
against the
following entities,
or their respective
property, that is
material to
Certificateholders,
including
proceedings known to
be contemplated by
governmental
authorities:
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Sponsor (Seller) X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Depositor X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Trustee
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Issuing entity X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Master Servicer, X
affiliated Servicer,
other Servicer
servicing 20% or
more of pool assets
at time of report,
other material
servicers
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Originator of 20% or X
more of pool assets
as of the Cut-off
Date
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Custodian X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1119 -
Affiliations and
relationships
between the
following entities,
or their respective
affiliates, that are
material to
Certificateholders:
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Sponsor (Seller) X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Depositor X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Trustee
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Master Servicer, X
affiliated Servicer,
other Servicer
servicing 20% or
more of pool assets
at time of report,
other material
servicers
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Originator X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Custodian X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Credit X
Enhancer/Support
Provider
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Significant Obligor X
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1122 - X X X
Assessment of
Compliance with
Servicing Criteria
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
Item 1123 - Servicer X
Compliance Statement
----------- --------- ---------------------- --------------- ------------------------ -------------- --------------------- -------------------
EXHIBIT S
ADDITIONAL DISCLOSURE INFORMATION
Structured Asset Mortgage Investments II Inc.
000 Xxxxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
Fax: (000) 000-0000
E-mail: xxxxxxxxxxxxxxxxxx@xxxx.xxx
Xxxxx Fargo Bank, National Association as Trustee
X.X. Xxx 00
Xxxxxxxx, Xxxxxxxx 00000
Fax: (000) 000-0000
E-mail: xxx.xxx.xxxxxxxxxxxxx@xxxxxxxxxx.xxx
Attn: Corporate Trust Services - BSRM 2006-AR4 - SEC REPORT PROCESSING
RE: **Additional Form [ ] Disclosure** Required
Ladies and Gentlemen:
In accordance with Section 3.18(a)(v) of the Pooling and Servicing Agreement, dated as of
November 1, 2006, among Structured Asset Mortgage Investments II Inc., as depositor, EMC Mortgage
Corporation, as seller and servicer and Xxxxx Fargo Bank, National Association, as trustee. The
Undersigned hereby notifies you that certain events have come to our attention that [will][may] need to
be disclosed on Form [ ].
Description of Additional Form [ ] Disclosure:
List of Any Attachments hereto to be included in the Additional Form [ ] Disclosure:
Any inquiries related to this notification should be directed to [ ], phone number: [ ];
email address: [ ].
[NAME OF PARTY]
as [role]
By: ____________________________
Name:
Title:
EXHIBIT T
FORM OF SERVICER CERTIFICATION
Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES]
I, ____________________________, the _______________________ of [NAME OF COMPANY] (the "Company"),
certify to [the Purchaser], [the Depositor], and the [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] [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] [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]. Any
material instances of noncompliance described in such reports have been disclosed to the [Depositor].
Any material instance of noncompliance with the Servicing Criteria has been disclosed in such reports.
