Exhibit 4.1
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XXXX XX XXXXXXX MORTGAGE SECURITIES, INC.,
as Depositor,
BANK OF AMERICA, NATIONAL ASSOCIATION,
as Servicer,
and
XXXXX FARGO BANK, N.A.,
as Trustee
POOLING AND SERVICING AGREEMENT
Dated January 30, 2006
------------------------------------------------
Banc of America Alternative Loan Trust 2006-1
Mortgage Pass-Through Certificates
Series 2006-1
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TABLE OF CONTENTS
ARTICLE I
DEFINITIONS
Section 1.01 Defined Terms................................................
Section 1.02 Interest Calculations........................................
Section 1.03 Fiscal Year..................................................
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans.................................
Section 2.02 Acceptance by the Trustee of the Mortgage Loans..............
Section 2.03 Representations and Warranties of the Servicer...............
Section 2.04 Representations and Warranties of the Depositor as to the
Mortgage Loans..............................................
Section 2.05 Designation of Interests in the REMICs.......................
Section 2.06 Designation of Start-up Day..................................
Section 2.07 REMIC Certificate Maturity Date..............................
Section 2.08 Execution and Delivery of Certificates.......................
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01 Servicer to Service Mortgage Loans...........................
Section 3.02 Subservicing; Enforcement of the Obligations of Servicer.....
Section 3.03 Fidelity Bond; Errors and Omissions Insurance................
Section 3.04 Access to Certain Documentation..............................
Section 3.05 Maintenance of Primary Insurance Policy; Claims;
Collections of BPP Mortgage Loan Payments...................
Section 3.06 Rights of the Depositor and the Trustee in Respect of the
Servicer....................................................
Section 3.07 Trustee to Act as Servicer...................................
Section 3.08 Collection of Mortgage Loan Payments; Servicer Custodial
Account; and Certificate Account............................
Section 3.09 Collection of Taxes, Assessments and Similar Items;
Escrow Accounts.............................................
Section 3.10 Access to Certain Documentation and Information Regarding
the Mortgage Loans..........................................
Section 3.11 Permitted Withdrawals from the Servicer Custodial Account
and Certificate Account.....................................
Section 3.12 Maintenance of Hazard Insurance..............................
Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption Agreements....
Section 3.14 Realization Upon Defaulted Mortgage Loans; REO Property......
Section 3.15 Trustee to Cooperate; Release of Mortgage Files..............
Section 3.16 Documents, Records and Funds in Possession of the
Servicer to Be Held for the Trustee.........................
Section 3.17 Servicing Compensation.......................................
Section 3.18 Annual Statement as to Compliance............................
Section 3.19 Assessments of Servicing Compliance; Registered Public
Accounting Firm Attestation Reports.........................
Section 3.20 Advances.....................................................
Section 3.21 Modifications, Waivers, Amendments and Consents..............
Section 3.22 Reports to the Securities and Exchange Commission............
Section 3.23 Buy-Down Account; Application of Buy-Down Funds..............
ARTICLE IV
SERVICER'S CERTIFICATE
Section 4.01 Servicer's Certificate.......................................
ARTICLE V
PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS;
REMIC ADMINISTRATION
Section 5.01 Distributions................................................
Section 5.02 Priorities of Distributions..................................
Section 5.03 Allocation of Losses.........................................
Section 5.04 Statements to Certificateholders.............................
Section 5.05 Tax Returns and Reports to Certificateholders................
Section 5.06 Tax Matters Person...........................................
Section 5.07 Rights of the Tax Matters Person in Respect of the Trustee...
Section 5.08 REMIC Related Covenants......................................
ARTICLE VI
THE CERTIFICATES
Section 6.01 The Certificates.............................................
Section 6.02 Registration of Transfer and Exchange of Certificates........
Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates............
Section 6.04 Persons Deemed Owners........................................
ARTICLE VII
THE DEPOSITOR AND THE SERVICER
Section 7.01 Respective Liabilities of the Depositor and the Servicer......
Section 7.02 Merger or Consolidation of the Depositor or the Servicer......
Section 7.03 Limitation on Liability of the Depositor, the Servicer
and Others..................................................
Section 7.04 Depositor and Servicer Not to Resign.........................
Section 7.05 Assignment or Delegation of Duties by the Servicer...........
ARTICLE VIII
DEFAULT
Section 8.01 Events of Default............................................
Section 8.02 Remedies of Trustee..........................................
Section 8.03 Directions by Certificateholders and Duties of Trustee
During Event of Default.....................................
Section 8.04 Action upon Certain Failures of the Servicer and upon
Event of Default............................................
Section 8.05 Trustee to Act; Appointment of Successor.....................
Section 8.06 Notification to Certificateholders...........................
ARTICLE IX
THE TRUSTEE
Section 9.01 Duties of Trustee............................................
Section 9.02 Certain Matters Affecting the Trustee........................
Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans........
Section 9.04 Trustee May Own Certificates.................................
Section 9.05 Eligibility Requirements for Trustee.........................
Section 9.06 Resignation and Removal of Trustee...........................
Section 9.07 Successor Trustee............................................
Section 9.08 Merger or Consolidation of Trustee...........................
Section 9.09 Appointment of Co-Trustee or Separate Trustee................
Section 9.10 Authenticating Agents........................................
Section 9.11 Trustee's Fees and Expenses..................................
Section 9.12 Appointment of Custodian.....................................
Section 9.13 Paying Agents................................................
Section 9.14 Limitation of Liability......................................
Section 9.15 Trustee May Enforce Claims Without Possession of
Certificates................................................
Section 9.16 Suits for Enforcement........................................
Section 9.17 Waiver of Bond Requirement...................................
Section 9.18 Waiver of Inventory, Accounting and Appraisal Requirement....
ARTICLE X
TERMINATION
Section 10.01 Termination upon Purchase by the Depositor or Liquidation
of All Mortgage Loans.......................................
Section 10.02 Additional Termination Requirements..........................
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment....................................................
Section 11.02 Recordation of Agreement.....................................
Section 11.03 Limitation on Rights of Certificateholders...................
Section 11.04 Governing Law................................................
Section 11.05 Notices......................................................
Section 11.06 Severability of Provisions...................................
Section 11.07 Certificates Nonassessable and Fully Paid....................
Section 11.08 Access to List of Certificateholders.........................
Section 11.09 Recharacterization...........................................
Section 11.10 Insolvency...................................................
Section 11.11 Regulation AB Compliance; Intent of Parties;
Reasonableness..............................................
EXHIBITS
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Exhibit A-1-CB-1 - Form of Face of Class 1-CB-1 Certificate
Exhibit A-1-CB-R - Form of Face of Class 1-CB-R Certificate
Exhibit A-2-CB-1 - Form of Face of Class 2-CB-1 Certificate
Exhibit A-3-CB-1 - Form of Face of Class 3-CB-1 Certificate
Exhibit A-4-CB-1 - Form of Face of Class 4-CB-1 Certificate
Exhibit A-CB-IO - Form of Face of Class CB-IO Certificate
Exhibit A-CB-PO - Form of Face of Class CB-PO Certificate
Exhibit B-1 - Form of Face of Class B-1 Certificate
Exhibit B-2 - Form of Face of Class B-2 Certificate
Exhibit B-3 - Form of Face of Class B-3 Certificate
Exhibit B-4 - Form of Face of Class B-4 Certificate
Exhibit B-5 - Form of Face of Class B-5 Certificate
Exhibit B-6 - Form of Face of Class B-6 Certificate
Exhibit C - Form of Reverse of all Certificates....................
Exhibit D-1 - Mortgage Loan Schedule (Loan Group 1)..................
Exhibit D-2 - Mortgage Loan Schedule (Loan Group 2)..................
Exhibit D-3 - Mortgage Loan Schedule (Loan Group 3)..................
Exhibit D-4 - Mortgage Loan Schedule (Loan Group 4)..................
Exhibit E - Request for Release of Documents.......................
Exhibit F - Form of Certification of Establishment of
Account...............................................
Exhibit G-1 - Form of Transferor's Certificate.......................
Exhibit G-2A - Form 1 of Transferee's Certificate.....................
Exhibit G-2B - Form 2 of Transferee's Certificate.....................
Exhibit H - Form of Transferee Representation Letter for
ERISA Restricted Certificates.........................
Exhibit I - Form of Affidavit Regarding Transfer of
Residual Certificate..................................
Exhibit J - Contents of Servicing File.............................
Exhibit K - Form of Special Servicing Agreement....................
Exhibit L - List of Recordation States.............................
Exhibit M - Form of Initial Certification of the Trustee...........
Exhibit N - Form of Final Certification of the Trustee.............
Exhibit O - Form of Xxxxxxxx-Xxxxx Certification...................
Exhibit P - Form of Trustee's Certification........................
Exhibit Q - Servicing Criteria.....................................
Exhibit R-1 - Additional Form 10-D Information ......................
Exhibit R-2 - Additional Form 10-K Information ......................
Exhibit R-3 - Form 8-K Information ..................................
POOLING AND SERVICING AGREEMENT
THIS POOLING AND SERVICING AGREEMENT, dated January 30, 2006, is
hereby executed by and among BANC OF AMERICA MORTGAGE SECURITIES, INC., as
depositor (together with its permitted successors and assigns, the "Depositor"),
BANK OF AMERICA, NATIONAL ASSOCIATION, as servicer (together with its permitted
successors and assigns, the "Servicer"), and XXXXX FARGO BANK, N.A., as trustee
(together with its permitted successors and assigns, the "Trustee").
W I T N E S S E T H T H A T:
- - - - - - - - - - - - - -
In consideration of the mutual agreements herein contained, the
Depositor, the Servicer and the Trustee agree as follows:
PRELIMINARY STATEMENT
In exchange for the Certificates, the Depositor hereby conveys the
Trust Estate to the Trustee to create the Trust. The Trust Estate for federal
income tax purposes will be treated as two separate real estate mortgage
investment conduits (the "Upper-Tier REMIC" and the "Lower-Tier REMIC,"
respectively, and each, a "REMIC"). The Senior Certificates (other than the
Class CB-IO, Class CB-PO and Class 1-CB-R Certificates) are referred to
collectively as the "Regular Certificates" and shall constitute "regular
interests" in the Upper-Tier REMIC. The Class 1-CB-PO Component, Class 2-CB-PO
Component, Class 3-CB-PO Component and Class 4-CB-PO Component (the "PO
Components"), the Class 1-CB-IO Component, Class 2-CB-IO Component, Class
3-CB-IO Component and Class 4-CB-IO Component (the "IO Components" and,
collectively with the PO Components, the "Components") shall also constitute
"regular interests" in the Upper-Tier REMIC. The Class R-U Interest shall be the
sole "residual interest" in the Upper-Tier REMIC. The Uncertificated Lower-Tier
Interests shall constitute the "regular interests" in the Lower-Tier REMIC. The
Class X-X Interest shall be the sole "residual interest" in the Lower-Tier
REMIC. The Class 1-CB-R Certificate shall represent ownership of the Class X-X
Interest and the Class R-U Interest. The "latest possible maturity date" for
federal income tax purposes of all interests created hereby will be the REMIC
Certificate Maturity Date.
The following tables set forth characteristics of the Certificates
and the Components, together with the minimum denominations and integral
multiples in excess thereof in which the Classes of Certificates shall be
issuable:
Initial Class Integral
Certificate Multiples in
Balance or Pass-Through Minimum Excess of
Classes(1) Notional Amount Rate Denomination Minimum
------------ --------------- ------------ ------------ -------
Class 1-CB-1 $71,582,000.00 6.000% $1,000 $1
Class 1-CB-R $100.00 6.000% $100 N/A
Class 2-CB-1 $105,404,000.00 6.000% $1,000 $1
Class 3-CB-1 $94,235,000.00 6.500% $1,000 $1
Class 4-CB-1 $58,158,000.00 6.500% $1,000 $1
Class CB-IO $6,055,128.00 (1) $1,000,000 $1
Class CB-PO $3,343,936.00 (2) $25,000 $1
Class B-1 $5,912,000.00 (3) $25,000 $1
Class B-2 $2,955,000.00 (3) $25,000 $1
Class B-3 $2,260,000.00 (3) $25,000 $1
Class B-4 $1,565,000.00 (3) $25,000 $1
Class B-5 $1,217,000.00 (3) $25,000 $1
Class B-6 $1,043,184.00 (3) $25,000 $1
Initial Component Integral
Balance or Multiples In
Component Pass-Through Minimum Excess Of
Components Notional Amount Rate Denomination Minimum
------------- --------------- ------------ ------------ ------------
Class 1-CB-IO $1,335,640.00 6.000% N/A N/A
Class 2-CB-IO $1,660,915.00 6.000% N/A N/A
Class 3-CB-IO $1,855,634.00 6.000% N/A N/A
Class 4-CB-IO $1,202,939.00 6.000% N/A N/A
Class 1-CB-PO $755,571.00 (4) N/A N/A
Class 2-CB-PO $1,898,197.00 (4) N/A N/A
Class 3-CB-PO $331,830.00 (4) N/A N/A
Class 4-CB-PO $358,338.00 (4) N/A N/A
------------
(1) The Class CB-IO Certificates are Interest Only Certificates and will be
deemed for purposes of distributions of interest to consist of four
Components described in the table: the Class 1-CB-IO Component, the Class
2-CB-IO Component, the Class 3-CB-IO Component and the Class 4-CB-IO
Component. The IO Components are not severable.
(2) The Class CB-PO Certificates are Principal Only Certificates and will be
deemed for purposes of distributions of principal to consist of four
Components as described in the table: the Class 1-CB-PO Component, the Class
2-CB-PO Component, the Class 3-CB-PO Component and the Class 4-CB-PO
Component. The PO Components are not severable.
(3) Interest will accrue on the Class B Certificates for each Distribution Date
at a per annum rate equal to the weighted average (based on the Group
Subordinate Amount for each Loan Group) of (i) with respect to Loan Group 1,
6.000%, (ii) with respect to Loan Group 2, 6.000%, (iii) with respect to
Loan Group 3, 6.500% and (iv) with respect to Loan Group 4, 6.500%.
(4) The Class 1-CB-PO, Class 2-CB-PO, Class 3-CB-PO and Class 4-CB-PO Components
are Principal Only Components and will not be entitled to distributions in
respect of interest.
ARTICLE I
DEFINITIONS
Section 1.01 Defined Terms. Whenever used in this Agreement, the
following words and phrases, unless the context otherwise requires, shall have
the meanings specified in this Article:
1933 Act: The Securities Act of 1933, as amended.
Accrued Certificate Interest: For any Distribution Date and each
interest-bearing Class (other than the Class CB-IO Certificates), one month's
interest accrued during the related Interest Accrual Period at the applicable
Pass-Through Rate on the applicable Class Certificate Balance. For any
Distribution Date and the Class CB-IO Certificates, the sum of the Accrued
Component Interest for each IO Component.
Accrued Component Interest: For any Distribution Date and each IO
Component, one month's interest accrued during the related Interest Accrual
Period at the applicable Pass-Through Rate on the applicable Notional Amount.
Additional Form 10-D Information: As defined in Section 3.22(b).
Additional Form 10-K Information: As defined in Section 3.22(c).
Additional Servicer: As defined in Section 3.02(e)
Adjusted Pool Amount: With respect to any Distribution Date and Loan
Group, the Cut-off Date Pool Principal Balance of the Mortgage Loans in such
Loan Group minus the sum of (i) all amounts in respect of principal received in
respect of the Mortgage Loans in such Loan Group (including, without limitation,
amounts received as Monthly Payments, Periodic Advances, Principal Prepayments,
Liquidation Proceeds and Substitution Adjustment Amounts) and distributed to
Holders of the Certificates on such Distribution Date and all prior Distribution
Dates and (ii) the principal portion of all Realized Losses (other than Debt
Service Reductions) incurred on the Mortgage Loans in such Loan Group from the
Cut-off Date through the end of the month preceding such Distribution Date.
Adjusted Pool Amount (Non-PO Portion): With respect to any
Distribution Date and Loan Group, the difference between the Adjusted Pool
Amount and the Adjusted Pool Amount (PO Portion).
Adjusted Pool Amount (PO Portion): With respect to any Distribution
Date and Loan Group, the sum of the amounts, calculated as follows, with respect
to all Outstanding Mortgage Loans of such Loan Group: the product of (i) the PO
Percentage for each such Mortgage Loan and (ii) the remainder of (A) the Cut-off
Date Principal Balance of such Mortgage Loan minus (B) the sum of (x) all
amounts in respect of principal received in respect of such Mortgage Loan
(including, without limitation, amounts received as Monthly Payments, Periodic
Advances, Principal Prepayments, Liquidation Proceeds and Substitution
Adjustment Amounts) and distributed to Holders of the Certificates of the
Related Group on such Distribution Date and all prior Distribution Dates and (y)
the principal portion of any Realized Loss (other than a Debt Service Reduction)
incurred on such Mortgage Loan from the Cut-off Date through the end of the
month preceding such Distribution Date.
Advance: A Periodic Advance or a Servicing Advance.
Aggregate Subordinate Percentage: As to any Distribution Date, the
aggregate Class Certificate Balance of the Class B Certificates divided by the
aggregate Pool Stated Principal Balance (Non-PO Portion) for all of the Loan
Groups.
Agreement: This Pooling and Servicing Agreement together with all
amendments hereof and supplements hereto.
Amount Held for Future Distribution: As to any Distribution Date and
Loan Group, the total of the amounts held in the Servicer Custodial Account at
the close of business on the preceding Determination Date on account of (i)
Principal Prepayments and Liquidation Proceeds received or made on the Mortgage
Loans in such Loan Group in the month of such Distribution Date and (ii)
payments which represent receipt of Monthly Payments on the Mortgage Loans in
such Loan Group in respect of a Due Date or Due Dates subsequent to the related
Due Date.
Ancillary Income: All prepayment premiums (if any), assumption fees,
late payment charges and all other ancillary income and fees with respect to the
Mortgage Loans.
Appraised Value: With respect to any Mortgaged Property, either (i)
the lesser of (a) the appraised value determined in an appraisal obtained by the
originator at origination of such Mortgage Loan and (b) the sales price for such
property, except that, in the case of Mortgage Loans the proceeds of which were
used to refinance an existing mortgage loan, the Appraised Value of the related
Mortgaged Property is the appraised value thereof determined in an appraisal
obtained at the time of refinancing, or (ii) the appraised value determined in
an appraisal made at the request of a Mortgagor subsequent to origination in
order to eliminate the Mortgagor's obligation to keep a Primary Insurance Policy
in force.
Assignment of Mortgage: An individual assignment of the Mortgage,
notice of transfer or equivalent instrument in recordable form, sufficient under
the laws of the jurisdiction wherein the related Mortgaged Property is located
to give record notice of the sale of the Mortgage.
Authenticating Agents: As defined in Section 9.10.
Bank of America: Bank of America, National Association, a national
banking association, or its successor in interest.
Book-Entry Certificate: Any Class of Certificates other than the
Physical Certificates.
BPP Mortgage Loan: Any Mortgage Loan which includes a Borrowers
Protection Plan(R) addendum to the related Mortgage Note whereby Bank of America
agrees to cancel (i) certain payments of principal and interest on such Mortgage
Loan for up to twelve months upon the disability or involuntary unemployment of
the Mortgagor or (ii) the outstanding principal balance of the Mortgage Loan
upon the accidental death of the Mortgagor; provided that such Borrowers
Protection Plan(R) has not been terminated in accordance with its terms.
BPP Mortgage Loan Payment: With respect to any BPP Mortgage Loan,
the Monthly Covered Amount or Total Covered Amount, if any, payable by Bank of
America pursuant to Section 5 of the Mortgage Loan Purchase Agreement.
Business Day: Any day other than (i) a Saturday or a Sunday or (ii)
a day on which banking institutions in the State of North Carolina, the State of
New York, the State of Minnesota, each state in which the servicing offices of
the Servicer are located or each state in which the Corporate Trust Office is
located are required or authorized by law or executive order to be closed.
Buy-Down Account: The separate Eligible Account or Accounts created
and maintained by the Servicer pursuant to Section 3.23.
Buy-Down Agreement: An agreement governing the application of
Buy-Down Funds with respect to a Buy-Down Mortgage Loan.
Buy-Down Funds: Money advanced by a builder, seller or other
interested party to reduce a Mortgagor's monthly payment during the initial
years of a Buy-Down Mortgage Loan.
Buy-Down Mortgage Loan: Any Mortgage Loan in respect of which,
pursuant to a Buy-Down Agreement, the monthly interest payments made by the
related Mortgagor will be less than the scheduled monthly interest payments on
such Mortgage Loan, with the resulting difference in interest payments being
provided from Buy-Down Funds.
Calculated Principal Distribution: As defined in Section 5.03(d).
Certificate: Any of the Banc of America Alternative Loan Trust
2006-1 Mortgage Pass-Through Certificates, Series 2006-1 that are issued
pursuant to this Agreement.
Certificate Account: The Eligible Account created and maintained by
the Trustee pursuant to Section 3.08(c) in the name of the Trustee for the
benefit of the Certificateholders and designated "Xxxxx Fargo Bank, N.A., in
trust for registered holders of Banc of America Alternative Loan Trust 2006-1
Mortgage Pass-Through Certificates, Series 2006-1." The Certificate Account
shall be deemed to consist of five sub-accounts; one for each Group and a fifth
sub-account referred to herein as the Upper-Tier Certificate Sub-Account. Funds
in the Certificate Account shall be held in trust for the Holders of the
Certificates of such Group for the uses and purposes set forth in this
Agreement.
Certificate Balance: With respect to any Certificate at any date,
the maximum dollar amount of principal to which the Holder thereof is then
entitled hereunder, such amount being equal to the product of the Percentage
Interest of such Certificate and the Class Certificate Balance of the Class of
Certificates of which such Certificate is a part.
Certificate Custodian: Initially, Xxxxx Fargo Bank, N.A.; thereafter
any other Certificate Custodian acceptable to the Depository and selected by the
Trustee.
Certificate Owner: With respect to a Book-Entry Certificate, the
Person who is the beneficial owner of a Book-Entry Certificate. With respect to
any Definitive Certificate, the Certificateholder of such Certificate.
Certificate Register: The register maintained pursuant to Section
6.02.
Certificate Registrar: The registrar appointed pursuant to Section
6.02.
Certificateholder: The Person in whose name a Certificate is
registered in the Certificate Register, except that, solely for the purpose of
giving any consent pursuant to this Agreement, any Certificate registered in the
name of the Depositor, the Servicer or any affiliate thereof shall be deemed not
to be outstanding and the Percentage Interest and Voting Rights evidenced
thereby shall not be taken into account in determining whether the requisite
amount of Percentage Interests or Voting Rights, as the case may be, necessary
to effect any such consent has been obtained, unless such entity is the
registered owner of the entire Class of Certificates, provided that the Trustee
shall not be responsible for knowing that any Certificate is registered in the
name of such an affiliate unless one of its Responsible Officers has actual
knowledge.
Certification: As defined in Section 3.22(c).
Class: As to the Certificates, the Class 1-CB-1, Class 1-CB-R, Class
2-CB-1, Class 3-CB-1, Class 4-CB-1, Class CB-IO, Class CB-PO, Class B-1, Class
B-2, Class B-3, Class B-4, Class B-5 and Class B-6, as the case may be.
Class 1-CB-IO Notional Amount: As to any Distribution Date and the
Class 1-CB-IO Component, the product of (i) the aggregate Stated Principal
Balance of the Group 1 Premium Mortgage Loans on the Due Date in the month
preceding the month of such Distribution Date and (ii) a fraction, (a) the
numerator of which is equal to the weighted average of the Net Mortgage Interest
Rates of the Group 1 Premium Mortgage Loans (based on the Stated Principal
Balances of the Group 1 Premium Mortgage Loans as of the Due Date in the month
preceding the month of such Distribution Date) minus 6.000% and (b) the
denominator of which is equal to 6.000%.
Class 2-CB-IO Notional Amount: As to any Distribution Date and the
Class 2-CB-IO Component, the product of (i) the aggregate Stated Principal
Balance of the Group 2 Premium Mortgage Loans on the Due Date in the month
preceding the month of such Distribution Date and (ii) a fraction, (a) the
numerator of which is equal to the weighted average of the Net Mortgage Interest
Rates of the Group 2 Premium Mortgage Loans (based on the Stated Principal
Balances of the Group 2 Premium Mortgage Loans as of the Due Date in the month
preceding the month of such Distribution Date) minus 6.000% and (b) the
denominator of which is equal to 6.000%.
Class 3-CB-IO Notional Amount: As to any Distribution Date and the
Class 3-CB-IO Component, the product of (i) the aggregate Stated Principal
Balance of the Group 3 Premium Mortgage Loans on the Due Date in the month
preceding the month of such Distribution Date and (ii) a fraction, (a) the
numerator of which is equal to the weighted average of the Net Mortgage Interest
Rates of the Group 3 Premium Mortgage Loans (based on the Stated Principal
Balances of the Group 3 Premium Mortgage Loans as of the Due Date in the month
preceding the month of such Distribution Date) minus 6.500% and (b) the
denominator of which is equal to 6.000%.
Class 4-CB-IO Notional Amount: As to any Distribution Date and the
Class 4-CB-IO Component, the product of (i) the aggregate Stated Principal
Balance of the Group 4 Premium Mortgage Loans on the Due Date in the month
preceding the month of such Distribution Date and (ii) a fraction, (a) the
numerator of which is equal to the weighted average of the Net Mortgage Interest
Rates of the Group 4 Premium Mortgage Loans (based on the Stated Principal
Balances of the Group 4 Premium Mortgage Loans as of the Due Date in the month
preceding the month of such Distribution Date) minus 6.500% and (b) the
denominator of which is equal to 6.000%.
Class B Certificates: The Class B-1, Class B-2, Class B-3, Class
B-4, Class B-5 and Class B-6 Certificates.
Class CB-IO Notional Amount: As to any Distribution Date, the sum of
the Class 1-CB-IO Notional Amount, the Class 2-CB-IO Notional Amount, the Class
3-CB-IO Notional Amount and the Class 4-CB-IO Notional Amount.
Class Certificate Balance: With respect to any Class (other than the
Class CB-IO and Class CB-PO Certificates) and any date of determination, and
subject to Section 5.03(e), the Initial Class Certificate Balance of such Class
minus (A) the sum of (i) all distributions of principal made with respect
thereto (including in the case of any Class of Subordinate Certificates any
principal otherwise payable to such Class of Subordinate Certificates used to
pay any PO Deferred Amounts) and (ii) all reductions in Class Certificate
Balance previously allocated thereto pursuant to Section 5.03(b) plus (B) all
increases in Class Certificate Balance previously allocated thereto pursuant to
Section 5.03(b). The Class CB-IO Certificates are Interest Only Certificates and
have no Class Certificate Balance. The Class Certificate Balance of the Class
CB-PO Certificates as of any date of determination shall equal the sum of the
Component Balances of the PO Components.
Class Interest Shortfall: For any Distribution Date and each
interest-bearing Class (other than the Class CB-IO Certificates), the amount by
which Accrued Certificate Interest for such Class (as reduced pursuant to
Section 5.02(c)) exceeds the amount of interest actually distributed on such
Class on such Distribution Date pursuant to clause (i) of the definition of
"Interest Distribution Amount."
Class Unpaid Interest Shortfall: As to any Distribution Date and
each interest-bearing Class (other than the Class CB-IO Certificates), the
amount by which the aggregate Class Interest Shortfalls for such Class on prior
Distribution Dates exceeds the amount of interest actually distributed on such
Class on such prior Distribution Dates pursuant to clause (ii) of the definition
of "Interest Distribution Amount." As to any Distribution Date and the Class
CB-IO Certificates, the sum of the Component Unpaid Interest Shortfalls for the
IO Components.
Closing Date: January 30, 2006.
Code: The Internal Revenue Code of 1986, as amended.
Compensating Interest: With respect to any Distribution Date, the
least of (a) the aggregate Servicing Fee for such Distribution Date (before
giving effect to any reduction pursuant to Section 3.17), (b) the Prepayment
Interest Shortfall for such Distribution Date and (c) one-twelfth of 0.25% of
the aggregate Stated Principal Balance of the Mortgage Loans.
Component: As defined in the Preliminary Statement.
Component Balance: With respect to any PO Component and any date of
determination, the Initial Component Balance of such Component minus the sum of
(i) all distributions of principal made with respect thereto and (ii) all
reductions in Component Balance previously allocated thereto pursuant to Section
5.03(b). The IO Components are interest-only Components and have no Component
Balance.
Component Interest Distribution Amount: For any Distribution Date
and each IO Component, the sum of (i) the Accrued Component Interest and (ii)
any Component Unpaid Interest Shortfall for such Component. The PO Components
are principal only Components and are not entitled to distributions of interest.
Component Interest Shortfall: For any Distribution Date and each IO
Component, the amount by which Accrued Component Interest for such Component
exceeds the amount of interest actually distributed on such Component on such
Distribution Date pursuant to clause (i) of the definition of "Component
Interest Distribution Amount."
Component Notional Amount: As of any Distribution Date, any of the
Class 1-CB-IO Notional Amount, Class 2-CB-IO Notional Amount, Class 3-CB-IO
Notional Amount and Class 4-CB-IO Notional Amount.
Component Unpaid Interest Shortfall: As to any Distribution Date and
each IO Component, the amount by which the aggregate Component Interest
Shortfalls for such Component on prior Distribution Dates exceeds the amount of
interest actually distributed on such Component on such prior Distribution Dates
pursuant to clause (ii) of the definition of "Component Interest Distribution
Amount."
Co-op Shares: Shares issued by private non-profit housing
corporations.
Corporate Trust Office: The principal corporate trust office of the
Trustee at which at any particular time its corporate trust business with
respect to this Agreement is conducted, which office at the date of the
execution of this instrument is located at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx,
Xxxxxxxx 00000-0000, Attention: Corporate Trust Services - BOALT 2006-1, and for
certificate transfer purposes is located at Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx,
Xxxxxxxxxxx, Xxxxxxxxx 00000, Attention: Corporate Trust Services - BOALT
2006-1, or at such other address as the Trustee may designate from time to time
by notice to the Certificateholders, the Depositor and the Servicer.
Custodian: Initially, the Trustee, and thereafter the Custodian, if
any, hereafter appointed by the Trustee pursuant to Section 9.12. The Custodian
may (but need not) be the Trustee or any Person directly or indirectly
controlling or controlled by or under common control of either of them. Neither
the Servicer nor the Depositor, nor any Person directly or indirectly
controlling or controlled by or under common control with any such Person may be
appointed Custodian.
Customary Servicing Procedures: With respect to the Servicer,
procedures (including collection procedures) that the Servicer customarily
employs and exercises in servicing and administering mortgage loans for its own
account and which are in accordance with accepted mortgage servicing practices
of prudent lending institutions servicing mortgage loans of the same type as the
Mortgage Loans in the jurisdictions in which the related Mortgaged Properties
are located.
Cut-off Date: January 1, 2006.
Cut-off Date Pool Principal Balance: For each Loan Group the
aggregate of the Cut-off Date Principal Balances of the Mortgage Loans in such
Loan Group which is $75,588,228.62 for Loan Group 1, $112,124,438.20 for Loan
Group 2, $98,815,939.64 for Loan Group 3 and $61,146,614.76 for Loan Group 4.
Cut-off Date Principal Balance: As to any Mortgage Loan, the unpaid
principal balance thereof as of the close of business on the Cut-off Date,
reduced by all installments of principal due on or prior thereto whether or not
paid.
Debt Service Reduction: As to any Mortgage Loan and any
Determination Date, the excess of (i) the Monthly Payment due on the related Due
Date under the terms of such Mortgage Loan over (ii) the amount of the monthly
payment of principal and/or interest required to be paid with respect to such
Due Date by the Mortgagor as established by a court of competent jurisdiction
(pursuant to an order which has become final and nonappealable) as a result of a
proceeding initiated by or against the related Mortgagor under the Bankruptcy
Code, as amended from time to time (11 U.S.C.); provided that no such excess
shall be considered a Debt Service Reduction so long as (a) the Servicer is
pursuing an appeal of the court order giving rise to any such modification and
(b)(1) such Mortgage Loan is not in default with respect to payment due
thereunder in accordance with the terms of such Mortgage Loan as in effect on
the Cut-off Date or (2) Monthly Payments are being advanced by the Servicer in
accordance with the terms of such Mortgage Loan as in effect on the Cut-off
Date.
Debt Service Reduction Mortgage Loan: Any Mortgage Loan that became
the subject of a Debt Service Reduction.
Defective Mortgage Loan: Any Mortgage Loan which is required to be
cured, repurchased or substituted for pursuant to Section 2.02 or 2.04.
Deficient Valuation: As to any Mortgage Loan and any Determination
Date, the excess of (i) the then outstanding indebtedness under such Mortgage
Loan over (ii) the secured valuation thereof established by a court of competent
jurisdiction (pursuant to an order which has become final and nonappealable) as
a result of a proceeding initiated by or against the related Mortgagor under the
Bankruptcy Code, as amended from time to time (11 U.S.C.), pursuant to which
such Mortgagor retained such Mortgaged Property; provided that no such excess
shall be considered a Deficient Valuation so long as (a) the Servicer is
pursuing an appeal of the court order giving rise to any such modification and
(b)(1) such Mortgage Loan is not in default with respect to payments due
thereunder in accordance with the terms of such Mortgage Loan as in effect on
the Cut-off Date or (2) Monthly Payments are being advanced by the Servicer in
accordance with the terms of such Mortgage Loan as in effect on the Cut-off
Date.
Deficient Valuation Mortgage Loan: Any Mortgage Loan that became the
subject of a Deficient Valuation.
Definitive Certificates: As defined in Section 6.02(c)(iii).
Depositor: Banc of America Mortgage Securities, Inc., a Delaware
corporation, or its successor in interest, as depositor of the Trust Estate.
Depository: The Depository Trust Company, the nominee of which is
Cede & Co., as the registered Holder of the Book-Entry Certificates or any
successor thereto appointed in accordance with this Agreement. The Depository
shall at all times be a "clearing corporation" as defined in Section 8-102(3) of
the Uniform Commercial Code of the State of New York.
Depository Participant: A broker, dealer, bank or other financial
institution or other Person for whom from time to time a Depository effects
book-entry transfers and pledges of securities deposited with the Depository.
Determination Date: As to any Distribution Date, the 16th day of the
month of the related Distribution Date or, if such 16th day is not a Business
Day, the Business Day immediately preceding such 16th day.
Discount Mortgage Loan: Any Group 1 Discount Mortgage Loan, Group 2
Discount Mortgage Loan, Group 3 Discount Mortgage Loan or Group 4 Discount
Mortgage Loan.
Distribution Date: The 25th day of each month beginning in February
2006 (or, if such day is not a Business Day, the next Business Day).
Due Date: As to any Distribution Date and each Mortgage Loan, the
first day in the calendar month of such Distribution Date.
Eligible Account: Any of (i) an account or accounts maintained with
(a) Bank of America, or (b) a federal or state chartered depository institution
or trust company the short-term unsecured debt obligations of which (or, in the
case of a depository institution or trust company that is the principal
subsidiary of a holding company, the debt obligations of such holding company)
have the highest short-term ratings of each Rating Agency at the time any
amounts are held on deposit therein, or (ii) an account or accounts in a
depository institution or trust company in which such accounts are insured by
the FDIC (to the limits established by the FDIC) and the uninsured deposits in
which accounts are otherwise secured such that, as evidenced by an Opinion of
Counsel delivered to the Trustee and to each Rating Agency, the
Certificateholders have a claim with respect to the funds in such account or a
perfected first priority security interest against any collateral (which shall
be limited to Permitted Investments) securing such funds that is superior to
claims of any other depositors or creditors of the depository institution or
trust company in which such account is maintained, or (iii) a trust account or
accounts maintained with the trust department of a federal or state chartered
depository institution or trust company, acting in its fiduciary capacity or
(iv) any other account acceptable to each Rating Agency. Eligible Accounts may
bear interest and may include, if otherwise qualified under this definition,
accounts maintained with the Trustee or Bank of America.
ERISA: The Employee Retirement Income Security Act of 1974, as
amended.
ERISA Restricted Certificates: Any Class B-1, Class B-2, Class B-3,
Class B-4, Class B-5 or Class B-6 Certificate.
Escrow Account: As defined in Section 3.09(a).
Escrow Payments: The amounts constituting taxes, assessments,
Primary Insurance Policy premiums, fire and hazard insurance premiums and other
payments as may be required to be escrowed by the Mortgagor with the mortgagee
pursuant to the terms of any Mortgage Note or Mortgage.
Events of Default: As defined in Section 8.01.
Excess Proceeds: With respect to any Liquidated Mortgage Loan, the
amount, if any, by which the sum of any Liquidation Proceeds of such Mortgage
Loan received in the calendar month in which such Mortgage Loan became a
Liquidated Mortgage Loan, net of any amounts previously reimbursed to the
Servicer as Nonrecoverable Advance(s) with respect to such Mortgage Loan
pursuant to Section 3.11(a)(iii), exceeds (i) the unpaid principal balance of
such Liquidated Mortgage Loan as of the Due Date in the month in which such
Mortgage Loan became a Liquidated Mortgage Loan plus (ii) accrued interest at
the Mortgage Interest Rate from the Due Date as to which interest was last paid
or for which a Periodic Advance was made (and not reimbursed) up to the Due Date
applicable to the Distribution Date immediately following the calendar month
during which such liquidation occurred.
Exchange Act: The Securities Exchange Act of 1934, as amended.
FDIC: The Federal Deposit Insurance Corporation, or any successor
thereto.
Final Distribution Date: The Distribution Date on which the final
distribution in respect of the Certificates will be made pursuant to Section
10.01.
Financial Market Service: Bloomberg Financial Service and any other
financial information provider designated by the Depositor by written notice to
the Trustee.
FIRREA: The Financial Institutions Reform, Recovery and Enforcement
Act of 1989, as amended.
Fitch: Fitch Ratings, or any successor thereto.
Form 8-K: As defined in Section 3.22(a).
Form 8-K Information: As defined in Section 3.22(d).
Form 10-D: As defined in Section 3.22(a).
Form 10-K: As defined in Section 3.22(a).
Fractional Interest: As defined in Section 5.02(d).
Group: Any of Group 1, Group 2, Group 3 or Group 4.
Group 1: The Group 1 Senior Certificates, the Class 1-CB-IO
Component and the Class 1-CB-PO Component.
Group 1 Discount Mortgage Loan. A Group 1 Mortgage Loan with a Net
Mortgage Interest Rate as of the Cut-off Date that is less than 6.000% per
annum.
Group 1 Mortgage Loan: Each Mortgage Loan listed on Exhibit D-1
hereto.
Group 1 Premium Mortgage Loan: A Group 1 Mortgage Loan with a Net
Mortgage Interest Rate as of the Cut-off Date that is equal to or greater than
6.000% per annum.
Group 1 Senior Certificates: Class 1-CB-1 and Class 1-CB-R
Certificates.
Group 2: The Group 2 Senior Certificates, the Class 2-CB-IO
Component and the Class 2-CB-PO Component.
Group 2 Discount Mortgage Loan. A Group 2 Mortgage Loan with a Net
Mortgage Interest Rate as of the Cut-off Date that is less than 6.000% per
annum.
Group 2 Mortgage Loan: Each Mortgage Loan listed on Exhibit D-2
hereto.
Group 2 Premium Mortgage Loan: A Group 2 Mortgage Loan with a Net
Mortgage Interest Rate as of the Cut-off Date that is equal to or greater than
6.000% per annum.
Group 2 Senior Certificates: Class 2-CB-1 Certificates.
Group 3: The Group 3 Senior Certificates, the Class 3-CB-IO
Component and the Class 3-CB-PO Component.
Group 3 Discount Mortgage Loan: A Group 3 Mortgage Loan with a Net
Mortgage Interest Rate as of the Cut-off Date that is less than 6.500% per
annum.
Group 3 Mortgage Loan: Each Mortgage Loan listed on Exhibit D-3
hereto.
Group 3 Premium Mortgage Loan: A Group 3 Mortgage Loan with a Net
Mortgage Interest Rate as of the Cut-off Date that is equal to or greater than
6.500% per annum.
Group 3 Senior Certificates: Class 3-CB-1 Certificates.
Group 4: The Group 4 Senior Certificates, the Class 4-CB-IO
Component and the Class 4-CB-PO Component.
Group 4 Discount Mortgage Loan: A Group 4 Mortgage Loan with a Net
Mortgage Interest Rate as of the Cut-off Date that is less than 6.500% per
annum.
Group 4 Mortgage Loan: Each Mortgage Loan listed on Exhibit D-4
hereto.
Group 4 Premium Mortgage Loan: A Group 4 Mortgage Loan with a Net
Mortgage Interest Rate as of the Cut-off Date that is equal to or greater than
6.500% per annum.
Group 4 Senior Certificates: Class 4-CB-1 Certificates.
Group Subordinate Amount: With respect to any Distribution Date and
any Loan Group, the excess of the Pool Stated Principal Balance (Non-PO Portion)
for such Loan Group over the aggregate Class Certificate Balance of the Senior
Non-PO Certificates of the Related Group immediately prior to such date.
Holder: A Certificateholder.
Independent: When used with respect to any specified Person means
such a Person who (i) is in fact independent of the Depositor and the Servicer,
(ii) does not have any direct financial interest or any material indirect
financial interest in the Depositor or the Servicer or in an affiliate of either
of them, and (iii) is not connected with the Depositor or the Servicer as an
officer, employee, promoter, underwriter, trustee, partner, director or person
performing similar functions.
Initial Class Certificate Balance: As to each Class of Certificates
(other than the Class CB-IO and Class CB-PO Certificates), the Class Certificate
Balance set forth in the Preliminary Statement. The Class CB-IO Certificates are
Interest Only Certificates and have no Initial Class Certificate Balance. The
Initial Class Certificate Balance of the Class CB-PO Certificates is the sum of
the Initial Component Balances for the Class 1-CB-PO, Class 2-CB-PO, Class
3-CB-PO and Class 4-CB-PO Components.
Initial Component Balance: As to each PO Component, the Component
Balance set forth in the Preliminary Statement. The IO Components are
interest-only Components and have no Initial Component Balance.
Initial Component Notional Amount: As to each IO Component, the
Component Notional Amount set forth in the Preliminary Statement.
Initial Notional Amount: For the Class CB-IO Certificates, the sum
of the Initial Component Notional Amounts for the Class 1-CB-IO, Class 2-CB-IO,
Class 3-CB-IO and Class 4-CB-IO Components.
Insurance Policy: With respect to any Mortgage Loan included in the
Trust Estate, any related insurance policy, including all riders and
endorsements thereto in effect, including any replacement policy or policies for
any Insurance Policies.
Insurance Proceeds: Proceeds paid by an insurer pursuant to any
Insurance Policy, in each case other than any amount included in such Insurance
Proceeds in respect of Insured Expenses.
Insured Expenses: Expenses covered by an Insurance Policy or any
other insurance policy with respect to the Mortgage Loans.
Interest Accrual Period: As to any Distribution Date and each Class
of Certificates (other than the Class CB-IO and Class CB-PO Certificates) and
each IO Component, the period from and including the first day of the calendar
month preceding the calendar month of such Distribution Date to but not
including the first day of the calendar month of such Distribution Date.
Interest Distribution Amount: For any Distribution Date and each
interest-bearing Class (other than the Class CB-IO Certificates), the sum of (i)
the Accrued Certificate Interest, subject to reduction pursuant to Section
5.02(c) and (ii) any Class Unpaid Interest Shortfall for such Class. For any
Distribution Date and the Class CB-IO Certificates, the sum of the Component
Interest Distribution Amounts for the IO Components.
Interest Only Certificates: Any Class of Certificates entitled to
distributions of interest, but no distributions of principal. The Class CB-IO
Certificates are the only Class of Interest Only Certificates.
IO Component: As defined in the Preliminary Statement.
Liquidated Mortgage Loan: With respect to any Distribution Date, a
defaulted Mortgage Loan (including any REO Property) that was liquidated in the
calendar month preceding the month of such Distribution Date and as to which the
Servicer has certified (in accordance with this Agreement) that it has received
all proceeds it expects to receive in connection with the liquidation of such
Mortgage Loan including the final disposition of an REO Property.
Liquidation Proceeds: Amounts, including Insurance Proceeds,
received in connection with the partial or complete liquidation of defaulted
Mortgage Loans, whether through trustee's sale, foreclosure sale or otherwise or
amounts received in connection with any condemnation or partial release of a
Mortgaged Property and any other proceeds received in connection with an REO
Property, less the sum of related unreimbursed Servicing Fees and Advances.
Loan Group: Any of Loan Group 1, Loan Group 2, Loan Group 3 or Loan
Group 4.
Loan Group 1: The Group 1 Mortgage Loans.
Loan Group 2: The Group 2 Mortgage Loans.
Loan Group 3: The Group 3 Mortgage Loans.
Loan Group 4: The Group 4 Mortgage Loans.
Loan-to-Value Ratio: With respect to any Mortgage Loan and any date
of determination, the fraction, expressed as a percentage, the numerator of
which is the outstanding principal balance of the related Mortgage Loan at the
date of determination and the denominator of which is the Appraised Value of the
related Mortgaged Property.
Lower-Tier Distribution Amount: As defined in Section 5.02(a).
Lower-Tier REMIC: As defined in the Preliminary Statement, the
assets of which consist of the Mortgage Loans, such amounts as shall from time
to time be held in the Certificate Account (other than amounts held in respect
of the Upper-Tier Certificate Sub-Account), the insurance policies, if any,
relating to a Mortgage Loan and property which secured a Mortgage Loan and which
has been acquired by foreclosure or deed in lieu of foreclosure.
MERS: As defined in Section 2.01(b)(iii).
Monthly Covered Amount: As defined in the Mortgage Loan Purchase
Agreement.
Monthly Payment: The scheduled monthly payment on a Mortgage Loan
due on any Due Date allocable to principal and/or interest on such Mortgage Loan
which, unless otherwise specified herein, shall give effect to any related Debt
Service Reduction and any Deficient Valuation that affects the amount of the
monthly payment due on such Mortgage Loan or the Monthly Covered Amount
representing such scheduled monthly payment.
Moody's: Xxxxx'x Investors Service, Inc., or any successor thereto.
Mortgage: The mortgage, deed of trust or other instrument creating a
first lien on a Mortgaged Property securing a Mortgage Note or creating a first
lien on a leasehold interest.
Mortgage File: The mortgage documents listed in Section 2.01
pertaining to a particular Mortgage Loan.
Mortgage Interest Rate: As to any Mortgage Loan, the per annum rate
of interest at which interest accrues on the principal balance of such Mortgage
Loan in accordance with the terms of the related Mortgage Note.
Mortgage Loan Purchase Agreement: The Mortgage Loan Purchase
Agreement, dated January 30, 2006, between Bank of America, as seller, and the
Depositor, as purchaser.
Mortgage Loan Schedule: The list of Mortgage Loans (as from time to
time amended by the Servicer to reflect the addition of Substitute Mortgage
Loans and the deletion of Defective Mortgage Loans pursuant to the provisions of
this Agreement) transferred to the Trustee as part of the Trust Estate and from
time to time subject to this Agreement, attached hereto as Exhibit X-0, Xxxxxxx
X-0, Xxxxxxx X-0 and Exhibit D-4, setting forth the following information with
respect to each Mortgage Loan: (i) the Mortgage Loan identifying number; (ii) a
code indicating whether the Mortgaged Property is owner-occupied; (iii) the
property type for each Mortgaged Property; (iv) the original months to maturity
or the remaining months to maturity from the Cut-off Date; (v) the Loan-to-Value
Ratio at origination; (vi) the Mortgage Interest Rate as of the Cut-off Date;
(vii) the date on which the first Monthly Payment was due on the Mortgage Loan,
and, if such date is not the Due Date currently in effect, such Due Date; (viii)
the stated maturity date; (ix) the amount of the Monthly Payment as of the
Cut-off Date; (x) the paid-through date; (xi) the original principal amount of
the Mortgage Loan; (xii) the principal balance of the Mortgage Loan as of the
close of business on the Cut-off Date, after application of payments of
principal due on or before the Cut-off Date, whether or not collected, and after
deduction of any payments collected of scheduled principal due after the Cut-off
Date; (xiii) a code indicating the purpose of the Mortgage Loan; (xiv) a code
indicating the documentation style; (xv) the Appraised Value; and (xvi) the
closing date of such Mortgage Loan. With respect to the Mortgage Loans in the
aggregate, the Mortgage Loan Schedule shall set forth the following information,
as of the Cut-off Date: (i) the number of Mortgage Loans; (ii) the current
aggregate outstanding principal balance of the Mortgage Loans; (iii) the
weighted average Mortgage Interest Rate of the Mortgage Loans; and (iv) the
weighted average months to maturity of the Mortgage Loans.
Mortgage Loans: Such of the mortgage loans transferred and assigned
to the Trustee pursuant to Section 2.01 as from time to time are held as a part
of the Trust Estate (including any Substitute Mortgage Loans and REO Property),
the Mortgage Loans originally so held being identified in the Mortgage Loan
Schedule.
Mortgage Note: The originally executed note or other evidence of
indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan,
together with all riders thereto and amendments thereof.
Mortgaged Property: The underlying property securing a Mortgage
Loan, which may include Co-op Shares or residential long-term leases.
Mortgagor: The obligor on a Mortgage Note.
Net Mortgage Interest Rate: As to any Mortgage Loan and Distribution
Date, such Mortgage Loan's Mortgage Interest Rate thereon on the first day of
the month preceding the month of the related Distribution Date reduced by (i)
the Servicing Fee Rate and (ii) the Trustee Fee Rate.
Non-PO Percentage: As to any Discount Mortgage Loan, a fraction
(expressed as a percentage), the numerator of which is the Net Mortgage Interest
Rate as of the Cut-off Date of such Discount Mortgage Loan and the denominator
of which is 6.000% for each Group 1 Discount Mortgage Loan, 6.000% for each
Group 2 Discount Mortgage Loan, 6.500% for each Group 3 Discount Mortgage Loan
and 6.500% for each Group 4 Discount Mortgage Loan. As to any Mortgage Loan that
is not a Discount Mortgage Loan, 100%.
Non-PO Principal Amount: As to any Distribution Date and Loan Group,
the sum of (i) the sum of the applicable Non-PO Percentage of (a) the principal
portion of each Monthly Payment due on each Mortgage Loan in such Loan Group on
the related Due Date, (b) the Stated Principal Balance, as of the date of
repurchase, of each Mortgage Loan in such Loan Group that was repurchased by the
Depositor pursuant to this Agreement during the calendar month preceding the
month of such Distribution Date, (c) any Substitution Adjustment Amount in
connection with a Defective Mortgage Loan in such Loan Group received during the
calendar month preceding the month of such Distribution Date, (d) any
Liquidation Proceeds allocable to recoveries of principal of Mortgage Loans in
such Loan Group that are not yet Liquidated Mortgage Loans received during the
calendar month preceding the month of such Distribution Date, (e) with respect
to each Mortgage Loan in such Loan Group that became a Liquidated Mortgage Loan
during the calendar month preceding the month of such Distribution Date, the
amount of Liquidation Proceeds (excluding Excess Proceeds) allocable to
principal received with respect to such Mortgage Loan during the calendar month
preceding the month of such Distribution Date and (f) all Principal Prepayments
on the Mortgage Loans in such Loan Group received during the calendar month
preceding the month of such Distribution Date; and (ii) the Non-PO Recovery for
such Distribution Date.
Non-PO Recovery: As to any Distribution Date and Loan Group, the
amount of all Recoveries received with respect to such Loan Group during the
calendar month preceding the month of such Distribution Date less the PO
Recovery with respect to such Loan Group for such Distribution Date.
Non-Supported Interest Shortfalls: As to any Distribution Date, the
amount, if any, by which the aggregate of Prepayment Interest Shortfalls exceeds
Compensating Interest for such Distribution Date.
Non-U.S. Person: A Person other than a U.S. Person.
Nonrecoverable Advance: Any portion of an Advance previously made or
proposed to be made in respect of a Mortgage Loan which has not been previously
reimbursed and which, in the good faith judgment of the Servicer, will not or,
in the case of a proposed Advance, would not be ultimately recoverable from the
related Mortgagor, related Liquidation Proceeds, or other recoveries in respect
of the related Mortgage Loan.
Notional Amount: With respect to: (i) the Class 1-CB-IO Component
and any date of determination, the Class 1-CB-IO Notional Amount, (ii) the Class
2-CB-IO Component and any date of determination, the Class 2-CB-IO Notional
Amount, (iii) the Class 3-CB-IO Component and any date of determination, the
Class 3-CB-IO Notional Amount, (iv) the Class 4-CB-IO Component and any date of
determination, the Class 4-CB-IO Notional Amount and (v) the Class CB-IO
Certificates and any date of determination, the Class CB-IO Notional Amount.
OCC: The Office of the Comptroller of the Currency.
Offered Certificates: The Senior Certificates, Class B-1, Class B-2
and Class B-3 Certificates.
Officer's Certificate: A certificate signed by the Chairman of the
Board, Vice Chairman of the Board, President or a Vice President and by the
Treasurer, the Secretary or one of the Assistant Treasurers or Assistant
Secretaries, or any other duly authorized officer of the Depositor or the
Servicer, as the case may be, and delivered to the Trustee.
Opinion of Counsel: A written opinion of counsel acceptable to the
Trustee, who may be counsel for the Depositor or the Servicer, except that any
opinion of counsel relating to the qualification of the Trust Estate as two
separate REMICs or compliance with the REMIC Provisions must be an opinion of
Independent counsel.
Original Fractional Interest: With respect to each of the following
Classes of Subordinate Certificates, the corresponding percentage described
below, as of the Closing Date:
Class B-1 2.63%
Class B-2 1.77%
Class B-3 1.11%
Class B-4 0.66%
Class B-5 0.30%
Class B-6 0.00%
Original Subordinate Class Certificate Balance: $14,952,184.00.
OTS: The Office of Thrift Supervision.
Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan which
was not the subject of a Principal Prepayment in Full prior to such Due Date,
which did not become a Liquidated Mortgage Loan prior to such Due Date and which
was not purchased from the Trust prior to such Due Date pursuant to Section 2.02
or 2.04.
Ownership Interest: As to any Certificate, any ownership or security
interest in such Certificate, including any interest in such Certificate as the
Holder thereof and any other interest therein, whether direct or indirect, legal
or beneficial, as owner or as pledgee.
Pass-Through Rate: As to each Class of interest-bearing Certificates
(other than the Class CB-IO Certificates) and each IO Component, the per annum
rate set forth or described in the Preliminary Statement.
Paying Agent: As defined in Section 9.13.
Percentage Interest: As to any Certificate, the percentage obtained
by dividing the initial Certificate Balance of such Certificate (or the initial
notional amount for a Class CB-IO Certificate) by the Initial Class Certificate
Balance or Initial Notional Amount, as applicable, of the Class of which such
Certificate is a part.
Periodic Advance: The payment required to be made by the Servicer
with respect to any Distribution Date pursuant to Section 3.20, the amount of
any such payment being equal to the aggregate of Monthly Payments (net of the
Servicing Fee) on the Mortgage Loans (including any REO Property) that were due
on the related Due Date and not received as of the close of business on the
related Determination Date, less the aggregate amount of any such delinquent
payments that the Servicer has determined would constitute a Nonrecoverable
Advance if advanced.
Permitted Investments: One or more of the following:
(i) obligations of or guaranteed as to principal and interest
by the United States, Xxxxxxx Mac, Xxxxxx Xxx or any agency or
instrumentality of the United States when such obligations are
backed by the full faith and credit of the United States; provided
that such obligations of Xxxxxxx Mac or Xxxxxx Xxx shall be limited
to senior debt obligations and mortgage participation certificates
other than investments in mortgage-backed or mortgage participation
securities with yields evidencing extreme sensitivity to the rate of
principal payments on the underlying mortgages, which shall not
constitute Permitted Investments hereunder;
(ii) repurchase agreements on obligations specified in clause
(i) maturing not more than one month from the date of acquisition
thereof with a corporation incorporated under the laws of the United
States or any state thereof rated not lower than "P-1" by Moody's
and "F-1" by Fitch;
(iii) federal funds, certificates of deposit, demand deposits,
time deposits and bankers' acceptances (which shall each have an
original maturity of not more than 90 days and, in the case of
bankers' acceptances, shall in no event have an original maturity of
more than 365 days or a remaining maturity of more than 30 days)
denominated in United States dollars of any U.S. depository
institution or trust company incorporated under the laws of the
United States or any state thereof, rated not lower than "P-1" by
Moody's and "F-1" by Fitch;
(iv) commercial paper (having original maturities of not more
than 365 days) of any corporation incorporated under the laws of the
United States or any state thereof which is rated not lower than
"P-1" by Moody's and "F-1" by Fitch;
(v) investments in money market funds (including funds of the
Trustee or its affiliates, or funds for which an affiliate of the
Trustee acts as advisor, as well as funds for which the Trustee and
its affiliates may receive compensation) rated "Aaa" by Moody's and
"AAA" by Fitch (if rated by Fitch) or otherwise approved in writing
by each Rating Agency; and
(vi) other obligations or securities that are acceptable to
each Rating Agency and, as evidenced by an Opinion of Counsel
obtained by the Servicer, will not affect the qualification of the
Trust Estate as two separate REMICs;
provided, however, that no instrument shall be a Permitted Investment if it
represents either (a) the right to receive only interest payments with respect
to the underlying debt instrument or (b) the right to receive both principal and
interest payments derived from obligations underlying such instrument and the
principal and interest with respect to such instrument provide a yield to
maturity greater than 120% of the yield to maturity at par of such underlying
obligations.
Permitted Transferee: Any Person other than (i) the United States,
or any State or any political subdivision thereof, or any agency or
instrumentality of any of the foregoing, (ii) a foreign government,
international organization or any agency or instrumentality of either of the
foregoing, (iii) an organization which is exempt from tax imposed by Chapter 1
of the Code (including the tax imposed by Section 511 of the Code on unrelated
business taxable income) (except certain farmers' cooperatives described in Code
Section 521), (iv) rural electric and telephone cooperatives described in Code
Section 1381(a)(2)(C), (v) a Person with respect to whom the income on the
Residual Certificate is allocable to a foreign permanent establishment or fixed
base, within the meaning of an applicable income tax treaty, of such Person or
any other Person, and (vi) any other Person so designated by the Servicer based
on an Opinion of Counsel to the effect that any transfer to such Person may
cause the Trust or any other Holder of the Residual Certificate to incur tax
liability that would not be imposed other than on account of such transfer. The
terms "United States," "State" and "international organization" shall have the
meanings set forth in Code Section 7701 or successor provisions.
Person: Any individual, corporation, limited liability company,
partnership, joint venture, association, joint-stock company, trust,
unincorporated organization or government or any agency or political subdivision
thereof.
Physical Certificates: The Class 1-CB-R, Class B-4, Class B-5
and Class B-6 Certificates.
Plan: As defined in Section 6.02(e).
PO Component: As defined in the Preliminary Statement.
PO Deferred Amount: As to any Distribution Date and each PO
Component, the sum of the amounts by which the Component Balance of such PO
Component will be reduced on such Distribution Date or has been reduced on prior
Distribution Dates as a result of Section 5.03(b) less the sum of (a) the PO
Recoveries with respect to the Related Loan Group for prior Distribution Dates
and (b) the amounts distributed to such PO Component pursuant to Section
5.02(a)(iii) on prior Distribution Dates.
PO Percentage: As to any Discount Mortgage Loan, 100% minus the
Non-PO Percentage for such Mortgage Loan. As to any Mortgage Loan that is not a
Discount Mortgage Loan, 0%.
PO Principal Amount: As to any Distribution Date and Loan Group, the
sum of the applicable PO Percentage of (a) the principal portion of each Monthly
Payment due on each Mortgage Loan in such Loan Group on the related Due Date,
(b) the Stated Principal Balance, as of the date of repurchase, of each Mortgage
Loan in such Loan Group that was repurchased by the Depositor pursuant to this
Agreement during the calendar month preceding the month of such Distribution
Date, (c) any Substitution Adjustment Amount in connection with any Defective
Mortgage Loan in such Loan Group received during the calendar month preceding
the month of such Distribution Date, (d) any Liquidation Proceeds allocable to
recoveries of principal of Mortgage Loans in such Loan Group that are not yet
Liquidated Mortgage Loans received during the calendar month preceding the month
of such Distribution Date, (e) with respect to each Mortgage Loan in such Loan
Group that became a Liquidated Mortgage Loan during the calendar month preceding
the month of such Distribution Date, the amount of Liquidation Proceeds
(excluding Excess Proceeds) allocable to principal received with respect to such
Mortgage Loan during the calendar month preceding the month of such Distribution
Date with respect to such Mortgage Loan and (f) all Principal Prepayments
received on the Mortgage Loans in such Loan Group received during the calendar
month preceding the month of such Distribution Date.
PO Recovery: As to any Distribution Date and Loan Group, the lesser
of (a) the PO Deferred Amount for the PO Component of the Related Group for such
Distribution Date and (b) an amount equal to the sum as to each Mortgage Loan in
such Loan Group as to which there has been a Recovery received during the
calendar month preceding the month of such Distribution Date, of the product of
(x) the PO Percentage with respect to such Mortgage Loan and (y) the amount of
the Recovery with respect to such Mortgage Loan.
Pool Distribution Amount: As to any Distribution Date and Loan
Group, the excess of (a) the sum of (i) the aggregate of (A) the interest
portion of any Monthly Payment on a Mortgage Loan in such Loan Group (net of the
Servicing Fee) and the principal portion of any Monthly Payment on a Mortgage
Loan in such Loan Group due on the Due Date in the month in which such
Distribution Date occurs and which is received prior to the related
Determination Date (or in the case of any Monthly Covered Amount, the related
Remittance Date) and (B) all Periodic Advances and payments of Compensating
Interest made by the Servicer in respect of such Loan Group and Distribution
Date deposited to the Servicer Custodial Account pursuant to Section
3.08(b)(vii); (ii) all Liquidation Proceeds received on the Mortgage Loans in
such Loan Group during the preceding calendar month and deposited to the
Servicer Custodial Account pursuant to Section 3.08(b)(iii); (iii) all Principal
Prepayments (other than Total Covered Amounts) received on the Mortgage Loans in
such Loan Group during the month preceding the month of such Distribution Date
and deposited to the Servicer Custodial Account pursuant to Section 3.08(b)(i)
during such period and all Total Covered Amounts received and deposited in the
Servicer Custodial Account by the related Remittance Date; (iv) in connection
with Defective Mortgage Loans in such Loan Group, as applicable, the aggregate
of the Repurchase Prices and Substitution Adjustment Amounts deposited on the
related Remittance Date pursuant to Section 3.08(b)(vi); (v) any other amounts
in the Servicer Custodial Account deposited therein pursuant to Sections
3.08(b)(iv), (v) and (ix) in respect of such Distribution Date and such Loan
Group; (vi) any Reimbursement Amount required to be included pursuant to Section
5.02(a); and (vii) any Non-PO Recovery with respect to such Distribution Date
over (b) any (i) amounts permitted to be withdrawn from the Servicer Custodial
Account pursuant to clauses (i) through (vii), inclusive, of Section 3.11(a) in
respect of such Loan Group and (ii) amounts permitted to be withdrawn from the
Certificate Account pursuant to clause (ii) of Section 3.11(b) in respect of
such Loan Group.
Pool Stated Principal Balance: As to any Distribution Date and Loan
Group, the aggregate Stated Principal Balance of all Mortgage Loans in such Loan
Group that were Outstanding Mortgage Loans immediately following the Due Date in
the month preceding the month in which such Distribution Date occurs.
Pool Stated Principal Balance (Non-PO Portion): As to any
Distribution Date and Loan Group, the sum for each Mortgage Loan in such Loan
Group of the product of (a) the Non-PO Percentage of such Mortgage Loan and (b)
the Stated Principal Balance of such Mortgage Loan that was an Outstanding
Mortgage Loan immediately following the Due Date in the month preceding the
month in which such Distribution Date occurs.
Premium Mortgage Loan: Any Group 1 Premium Mortgage Loan, Group 2
Premium Mortgage Loan, Group 3 Premium Mortgage Loan or Group 4 Premium Mortgage
Loan.
Prepayment Interest Shortfall: As to any Distribution Date and each
Mortgage Loan subject to a Principal Prepayment received during the calendar
month preceding such Distribution Date, the amount, if any, by which one month's
interest at the related Mortgage Interest Rate (net of the Servicing Fee) on
such Principal Prepayment exceeds the amount of interest paid in connection with
such Principal Prepayment.
Primary Insurance Policy: Each policy of primary mortgage guaranty
insurance or any replacement policy therefor with respect to any Mortgage Loan,
in each case issued by an insurer acceptable to Xxxxxx Xxx or Xxxxxxx Mac.
Principal Only Certificates: Any Class of Certificates entitled to
distributions of principal, but to no distributions of interest. The Class CB-PO
Certificates are the only Principal Only Certificates.
Principal Prepayment: Any payment or other recovery of principal on
a Mortgage Loan (other than Liquidation Proceeds) which is received in advance
of its scheduled Due Date and is not accompanied by an amount of interest
representing scheduled interest due on any date or dates in any month or months
subsequent to the month of prepayment, including the principal portion of any
Total Covered Amount.
Principal Prepayment in Full: Any Principal Prepayment of the entire
principal balance of a Mortgage Loan.
Private Certificates: The Class B-4, Class B-5 and Class B-6
Certificates.
Pro Rata Share: As to any Distribution Date and any Class of Class B
Certificates that is not a Restricted Class, the portion of the Subordinate
Principal Distribution Amounts allocable to such Class, equal to the product of
the Subordinate Principal Distribution Amounts for the Class B Certificates, for
such Distribution Date and a fraction, the numerator of which is the related
Class Certificate Balance thereof and the denominator of which is the aggregate
Class Certificate Balance of the Class B Certificates that are not Restricted
Classes. The Pro Rata Share of a Restricted Class shall be 0%.
Qualified Appraiser: An appraiser of a Mortgaged Property duly
appointed by the originator of the related Mortgage Loan, who had no interest,
direct or indirect, in such Mortgaged Property or in any loan made on the
security thereof, whose compensation is not affected by the approval or
disapproval of the related Mortgage Loan and who met the minimum qualifications
of Xxxxxx Xxx or Xxxxxxx Mac.
Rating Agency: Each of Fitch and Xxxxx'x. If either such
organization or a successor is no longer in existence, "Rating Agency" shall be
such nationally recognized statistical rating organization, or other comparable
Person, as is designated by the Depositor, notice of which designation shall be
given to the Trustee. References herein to a given rating or rating category of
a Rating Agency shall mean such rating category without giving effect to any
modifiers.
Realized Loss: With respect to each Liquidated Mortgage Loan, an
amount as of the date of such liquidation, equal to (i) the unpaid principal
balance of the Liquidated Mortgage Loan as of the date of such liquidation, plus
(ii) interest at the Net Mortgage Interest Rate from the Due Date as to which
interest was last paid or advanced (and not reimbursed) to Certificateholders up
to the Due Date in the month in which Liquidation Proceeds are required to be
distributed on the Stated Principal Balance of such Liquidated Mortgage Loan
from time to time, minus (iii) the Liquidation Proceeds, if any, received during
the month in which such liquidation occurred, to the extent applied as
recoveries of interest at the Net Mortgage Interest Rate and to principal of the
Liquidated Mortgage Loan. With respect to each Mortgage Loan that has become the
subject of a Deficient Valuation, if the principal amount due under the related
Mortgage Note has been reduced, the difference between the principal balance of
the Mortgage Loan outstanding immediately prior to such Deficient Valuation and
the principal balance of the Mortgage Loan as reduced by the Deficient
Valuation. With respect to each Mortgage Loan that has become the subject of a
Debt Service Reduction and any Distribution Date, the amount, if any, by which
the principal portion of the related Monthly Payment has been reduced.
Record Date: The last day of the month (or, if such day is not a
Business Day, the preceding Business Day) preceding the month in which the
related Distribution Date occurs.
Recovery: As to any Distribution Date and Loan Group, the sum of all
amounts received during the calendar month preceding the month of such
Distribution Date on each Mortgage Loan in such Loan Group subsequent to such
Mortgage Loan being determined to be a Liquidated Mortgage Loan.
Refinance Mortgage Loan: Any Mortgage Loan the proceeds of which
were not used to purchase the related Mortgaged Property.
Regular Certificates: As defined in the Preliminary Statement
hereto.
Regulation AB: Subpart 229.1100 - Asset Backed Securities
(Regulation AB), 17 C.F.R. ss.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 Securities and Exchange 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 Securities and Exchange
Commission, or as may be provided by the Securities and Exchange Commission or
its staff from time to time.
Reimbursement Amount: As defined in Section 2.04.
Related Group: For Loan Group 1, Group 1; for Loan Group 2,
Group 2; for Loan Group 3, Group 3; and for Loan Group 4, Group 4.
Related Loan Group: For Group 1, Loan Group 1; for Group 2, Loan
Group 2; for Group 3, Loan Group 3; and for Group 4, Loan Group 4.
Relevant Servicing Criteria: The Servicing Criteria applicable to
the various parties, as set forth on Exhibit Q attached hereto. For
clarification purposes, multiple parties can have responsibility for the same
Relevant Servicing Criteria. With respect to a Servicing Function Participant
engaged by the Trustee or the Servicer, the term "Relevant Servicing Criteria"
may refer to a portion of the Relevant Servicing Criteria applicable to the
Servicer or the Trustee.
Relief Act: The Servicemembers Civil Relief Act, as it may be
amended from time to time.
Relief Act Reduction: With respect to any Distribution Date, for any
Mortgage Loan as to which there has been a reduction in the amount of interest
collectible thereon for the most recently ended calendar month as a result of
the application of the Relief Act or comparable state legislation, the amount,
if any, by which (i) interest collectible on such Mortgage Loan for the most
recently ended calendar month is less than (ii) interest accrued pursuant to the
terms of the Mortgage Note on the same principal amount and for the same period
as the interest collectible on such Mortgage Loan for the most recently ended
calendar month.
REMIC: A "real estate mortgage investment conduit" within the
meaning of Section 860D of the Code.
REMIC Certificate Maturity Date: The "latest possible maturity date"
of the Regular Certificates and the Components as that term is defined in
Section 2.07.
REMIC Provisions: Provisions of the federal income tax law relating
to real estate mortgage investment conduits, which appear at Section 860A
through 860G of Subchapter M of Chapter 1 of the Code, and related provisions,
and regulations promulgated thereunder, as the foregoing may be in effect from
time to time, as well as provisions of applicable state laws.
Remittance Date: As to any Distribution Date, by 2:00 p.m. Eastern
time on the Business Day immediately preceding such Distribution Date.
REO Disposition Period: As defined in Section 3.14.
REO Proceeds: Proceeds, net of any related expenses of the Servicer,
received in respect of any REO Property (including, without limitation, proceeds
from the rental of the related Mortgaged Property) which are received prior to
the final liquidation of such Mortgaged Property.
REO Property: A Mortgaged Property acquired by the Servicer on
behalf of the Trust through foreclosure or deed-in-lieu of foreclosure in
connection with a defaulted Mortgage Loan.
Reportable Event: As defined in Section 3.22(d).
Repurchase Price: As to any Defective Mortgage Loan repurchased on
any date pursuant to Section 2.02 or 2.04, an amount equal to the sum of (i) the
unpaid principal balance thereof and (ii) the unpaid accrued interest thereon at
the applicable Mortgage Interest Rate from the Due Date to which interest was
last paid by the Mortgagor to the first day of the month following the month in
which such Mortgage Loan became eligible to be repurchased.
Request for Release: The Request for Release submitted by the
Servicer to the Trustee or the Custodian on behalf of the Trustee, substantially
in the form of Exhibit E.
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 in respect of such Mortgage Loan.
Residual Certificate: The Class 1-CB-R Certificate.
Responsible Officer: When used with respect to the Trustee, any
officer of the Corporate Trust Department of the Trustee, including any Senior
Vice President, any Vice President, any Assistant Vice President, any Assistant
Secretary, any Trust Officer or Assistant 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 responsibility for the
administration of this Agreement.
Restricted Classes: As defined in Section 5.02(d).
Seller: Bank of America, a national banking association, or its
successor in interest, as seller of the Mortgage Loans under the Mortgage Loan
Purchase Agreement.
Senior Certificates: The Class 1-CB-1, Class 1-CB-R, Class 2-CB-1,
Class 3-CB-1, Class 4-CB-1, Class CB-IO and Class CB-PO Certificates.
Senior Credit Support Depletion Date: The date on which the
aggregate Class Certificate Balance of the Subordinate Certificates is reduced
to zero.
Senior Non-PO Certificates: The Class 1-CB-1, Class 1-CB-R, Class
2-CB-1, Class 3-CB-1, Class 4-CB-1 and Class CB-IO Certificates.
Senior Percentage: With respect to any Distribution Date and Loan
Group, the percentage, carried six places rounded up, obtained by dividing (i)
the aggregate Class Certificate Balance of the Senior Non-PO Certificates of the
Related Group immediately prior to such Distribution Date by (ii) the Pool
Stated Principal Balance (Non-PO Portion) of such Loan Group immediately prior
to such Distribution Date.
Senior Prepayment Percentage: For any Distribution Date and Loan
Group during the five years beginning on the first Distribution Date, 100%. The
Senior Prepayment Percentage for any Loan Group for any Distribution Date
occurring on or after the fifth anniversary of the first Distribution Date will,
except as provided herein, be as follows: for any Distribution Date in the first
year thereafter, the Senior Percentage for such Loan Group plus 70% of the
Subordinate Percentage for such Loan Group for such Distribution Date; for any
Distribution Date in the second year thereafter, the Senior Percentage for such
Loan Group plus 60% of the Subordinate Percentage for such Loan Group for such
Distribution Date; for any Distribution Date in the third year thereafter, the
Senior Percentage for such Loan Group plus 40% of the Subordinate Percentage for
such Loan Group for such Distribution Date; for any Distribution Date in the
fourth year thereafter, the Senior Percentage for such Loan Group plus 20% of
the Subordinate Percentage for such Loan Group for such Distribution Date; and
for any Distribution Date in the fifth or later years thereafter, the Senior
Percentage for such Loan Group for such Distribution Date, unless on any of the
foregoing Distribution Dates the Total Senior Percentage exceeds the initial
Total Senior Percentage, in which case the Senior Prepayment Percentage for each
Loan Group for such Distribution Date will once again equal 100%.
Notwithstanding the foregoing, no decrease in the Senior Prepayment Percentage
for any Loan Group will occur unless both of the Senior Step Down Conditions are
satisfied.
Senior Principal Distribution Amount: As to any Distribution Date
and Loan Group, the sum of (i) the Senior Percentage for such Loan Group of the
applicable Non-PO Percentage of the amounts described in clauses (i)(a) through
(d) of the definition of "Non-PO Principal Amount" for such Distribution Date
and Loan Group and (ii) the Senior Prepayment Percentage for such Loan Group of
(1) the applicable Non-PO Percentage of the amounts described in clauses (i)(e)
and (f) and (2) the amount described in clause (ii) of the definition of "Non-PO
Principal Amount" for such Distribution Date and Loan Group.
Senior Step Down Conditions: As of any Distribution Date as to which
any decrease in the Senior Prepayment Percentage for any Loan Group applies, (i)
the outstanding principal balance of all Mortgage Loans (including, for this
purpose, any Mortgage Loans in foreclosure, any REO Property and any Mortgage
Loan for which the Mortgagor has filed for bankruptcy after the Closing Date)
delinquent 60 days or more (averaged over the preceding six-month period), as a
percentage of the aggregate Class Certificate Balance of the Subordinate
Certificates, is not equal to or greater than 50% or (ii) cumulative Realized
Losses with respect to the Mortgage Loans as of the applicable Distribution Date
do not exceed the percentages of the Original Subordinate Class Certificate
Balance set forth below:
Percentage of Original
Distribution Date Subordinate Class
Occurring Certificate Balance
-------------------------- --------------------------
February 2011 through 30%
January 2012
February 2012 through 35%
January 2013
February 2013 through 40%
January 2014
February 2014 through 45%
January 2015
February 2015 and 50%
thereafter
Servicer: Bank of America, a national banking association, or its
successor in interest, in its capacity as servicer of the Mortgage Loans, or any
successor servicer appointed as herein provided.
Servicer Advance Date: As to any Distribution Date, 11:30 a.m.,
Eastern time, on the Business Day immediately preceding such Distribution Date.
Servicer Custodial Account: The separate Eligible Account or
Accounts created and maintained by the Servicer pursuant to Section 3.08(b).
Servicer Custodial Account Reinvestment Income: For each
Distribution Date, all income and gains net of any losses realized since the
preceding Distribution Date from Permitted Investments of funds in the Servicer
Custodial Account.
Servicer's Certificate: The monthly report required by Section 4.01.
Servicing Advances: All customary, reasonable and necessary "out of
pocket" costs and expenses incurred in the performance by the Servicer of its
servicing obligations, including, but not limited to (i) the preservation,
restoration and protection of a Mortgaged Property, (ii) expenses reimbursable
to the Servicer pursuant to Section 3.14 and any enforcement or judicial
proceedings, including foreclosures, (iii) the management and liquidation of any
REO Property and (iv) compliance with the obligations under Section 3.12.
Servicing Compensation: With respect to each Distribution Date, the
sum of (i) the aggregate Servicing Fee for such Distribution Date subject to
reduction as provided in Section 3.17, (ii) any Ancillary Income, (iii) Excess
Proceeds for the preceding month and (iv) the Servicer Custodial Account
Reinvestment Income for such Distribution Date.
Servicing Criteria: The "servicing criteria" set forth in Item
1122(d) of Regulation AB, as such may be amended from time to time, which as of
the Closing Date are listed on Exhibit Q hereto.
Servicing Fee: With respect to each Mortgage Loan and Distribution
Date, the amount of the fee payable to the Servicer, which shall, for such
Distribution Date, be equal to one-twelfth of the product of the Servicing Fee
Rate with respect to such Mortgage Loan and the Stated Principal Balance of such
Mortgage Loan. Such fee shall be payable monthly, computed on the basis of the
same Stated Principal Balance and period respecting which any related interest
payment on a Mortgage Loan is computed. The Servicer's right to receive the
Servicing Fee is limited to, and payable solely from, the interest portion
(including recoveries with respect to interest from Liquidation Proceeds and
other proceeds, to the extent permitted by Section 3.11) of related Monthly
Payments collected by the Servicer, or as otherwise provided under Section 3.11.
Servicing Fee Rate: With respect to each Mortgage Loan, 0.250% per
annum.
Servicing File: The items pertaining to a particular Mortgage Loan
referred to in Exhibit J hereto, and any additional documents required to be
added to the Servicing File pursuant to the Agreement.
Servicing Function Participant: Any affiliate, third party vendor or
Subservicer engaged by the Servicer or the Trustee that is participating in the
servicing function with respect to the Mortgage Loans, within the meaning of
Item 1122 of Regulation AB.
Servicing Officer: Any officer of the Servicer involved in, or
responsible for, the administration and servicing of the Mortgage Loans whose
name appears on a list of servicing officers furnished to the Trustee by the
Servicer, as such list may from time to time be amended.
Servicing Transfer Costs: All reasonable costs and expenses incurred
by the Trustee in connection with the transfer of servicing from a predecessor
servicer, including, without limitation, any costs or expenses associated with
the complete transfer of all servicing data and the completion, correction or
manipulation of such servicing data as may be required by the Trustee to correct
any errors or insufficiencies in the servicing data or otherwise to enable the
Trustee to service the Mortgage Loans properly and effectively.
Similar Law: As defined in Section 6.02(e).
Sponsor: Bank of America, National Association.
Stated Principal Balance: As to any Mortgage Loan and date, the
unpaid principal balance of such Mortgage Loan as of the Due Date immediately
preceding such date as specified in the amortization schedule at the time
relating thereto (before any adjustment to such amortization schedule by reason
of any moratorium or similar waiver or grace period) after giving effect to any
previous partial Principal Prepayments and Liquidation Proceeds allocable to
principal (other than with respect to any Liquidated Mortgage Loan) and to the
payment of principal due on such Due Date and irrespective of any delinquency in
payment by the related Mortgagor, and after giving effect to any Deficient
Valuation.
Subordinate Balance Ratio: As of any date of determination, the
ratio among the principal balances of the Class 1-LS Interest, Class 2-LS
Interest, Class 3-LS Interest and Class 4-LS Interest equal to the ratio among
the Group Subordinate Amounts of Loan Group 1, Loan Group 2, Loan Group 3 and
Loan Group 4.
Subordinate Certificates: The Class B Certificates.
Subordinate Percentage: As of any Distribution Date and Loan
Group, 100% minus the Senior Percentage for such Loan Group for such
Distribution Date.
Subordinate Prepayment Percentage: As to any Distribution Date
and Loan Group, 100% minus the Senior Prepayment Percentage for such Loan
Group for such Distribution Date.
Subordinate Principal Distribution Amount: With respect to any
Distribution Date and Loan Group, an amount equal to the sum of (i) the
Subordinate Percentage for such Loan Group of the applicable Non-PO Percentage
of the amounts described in clauses (i)(a) through (d) of the definition of
"Non-PO Principal Amount" for such Distribution Date and Loan Group and (ii) the
Subordinate Prepayment Percentage of (1) the applicable Non-PO Percentage of the
amounts described in clauses (i)(e) and (f) and (2) the amount described in
clause (ii) of the definition of "Non-PO Principal Amount" for such Distribution
Date and Loan Group.
Subservicer: Any Person with which the Servicer has entered into a
Subservicing Agreement and which satisfies the requirements set forth therein.
Subservicing Agreement: Any subservicing agreement (which, in the
event the Subservicer is an affiliate of the Servicer, need not be in writing)
between the Servicer and any Subservicer relating to servicing and/or
administration of certain Mortgage Loans as provided in Section 3.02.
Substitute Mortgage Loan: A Mortgage Loan substituted for a
Defective Mortgage Loan which must, on the date of such substitution (i) have a
Stated Principal Balance, after deduction of the principal portion of the
Monthly Payment due in the month of substitution, not in excess of, and not more
than 10% less than, the Stated Principal Balance of the Defective Mortgage Loan;
(ii) have a Net Mortgage Interest Rate equal to that of the Defective Mortgage
Loan; (iii) have a Loan-to-Value Ratio not higher than that of the Defective
Mortgage Loan; (iv) have a remaining term to maturity not greater than (and not
more than one year less than) that of the Defective Mortgage Loan; and (v)
comply with each Mortgage Loan representation and warranty set forth in this
Agreement relating to the Defective Mortgage Loan. More than one Substitute
Mortgage Loan may be substituted for a Defective Mortgage Loan if such
Substitute Mortgage Loans meet the foregoing attributes in the aggregate.
Substitution Adjustment Amount: As defined in Section 2.02.
Tax Matters Person: Any person designated as "tax matters person" in
accordance with Section 5.06 and the manner provided under Treasury Regulation
ss. 1.860F-4(d) and Treasury Regulation ss. 301.6231(a)(7)-1.
Total Covered Amount: As defined in the Mortgage Loan Purchase
Agreement.
Total Senior Percentage: With respect to any Distribution Date, the
percentage, carried six places rounded up, obtained by dividing the aggregate
Class Certificate Balance of the Senior Non-PO Certificates immediately prior to
such Distribution Date by the aggregate Pool Stated Principal Balance (Non-PO
Portion) of all Loan Groups for such Distribution Date.
Treasury Regulations: The final and temporary regulations
promulgated under the Code by the U.S. Department of the Treasury.
Trust: The trust created by this Agreement.
Trust Estate: The corpus of the Trust created to the extent
described herein, consisting of the Mortgage Loans, such assets as shall from
time to time be identified as deposited in the Servicer Custodial Account or the
Certificate Account, in accordance with this Agreement, REO Property, the
Primary Insurance Policies, any other Required Insurance Policy, the right to
receive any BPP Mortgage Loan Payment, the right to receive amounts, if any,
payable on behalf of any Mortgagor from the Buy-Down Account relating to any
Buy-Down Mortgage Loan. The Buy-Down Account shall not be part of the Trust
Estate.
Trustee: Xxxxx Fargo Bank, N.A., and any successors-in-interest and,
if a successor trustee is appointed hereunder, such successor, as trustee.
Trustee Fee: As to any Distribution Date and Loan Group, an amount
equal to one-twelfth of the Trustee Fee Rate multiplied by the aggregate Stated
Principal Balance of the Mortgage Loans in the Related Loan Group immediately
following the Due Date in the month preceding the month in which such
Distribution Date occurs.
Trustee Fee Rate: With respect to each Mortgage Loan, 0.0065% per
annum.
Uncertificated Lower-Tier Interest: A regular interest in the
Lower-Tier REMIC which is held as an asset of the Upper-Tier REMIC and is
entitled to monthly distributions as provided in Section 5.02(a) hereof. Any of
the Class 1-L Interest, Class 1-LS Interest, Class 1-LPO Interest, Class 1-LWIO
Interest, Class 2-L Interest, Class 2-LS Interest, Class 2-LPO Interest, Class
2-LWIO Interest, Class 3-L Interest, Class 3-LS Interest, Class 3-LPO Interest,
Class 3-LWIO Interest, Class 4-L Interest, Class 4-LS Interest, Class 4-LPO
Interest and Class 4-LWIO Interest are Uncertificated Lower-Tier Interests.
Underwriting Guidelines: The underwriting guidelines of Bank of
America.
Upper-Tier Certificate Sub-Account: The sub-account of the
Certificate Account designated by the Trustee pursuant to Section 3.08(f).
Upper-Tier REMIC: As defined in the Preliminary Statement, the
assets of which consist of the Uncertificated Lower-Tier Interests and such
amounts as shall from time to time be deemed to be held in the Upper-Tier
Certificate Sub-Account.
U.S. Person: A citizen or resident of the United States, a
corporation or partnership (unless, in the case of a partnership, Treasury
Regulations are adopted that provide otherwise) created or organized in or under
the laws of the United States, any state thereof or the District of Columbia,
including an entity treated as a corporation or partnership for federal income
tax purposes, 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 such trust, and
one or more such U.S. Persons have the authority to control all substantial
decisions of such trust (or, to the extent provided in applicable Treasury
Regulations, certain trusts in existence on August 20, 1996 which are eligible
to elect to be treated as U.S. Persons).
Voting Rights: The portion of the voting rights of all of the
Certificates which is allocated to any Certificate. As of any date of
determination, (a) 1% of all Voting Rights shall be allocated to the Holders of
the Class CB-IO Certificates, (b) 1% of all Voting Rights shall be allocated to
the Holder of the Residual Certificate and (c) the remaining Voting Rights shall
be allocated among Holders of the remaining Classes of Certificates in
proportion to the Certificate Balances of their respective Certificates on such
date.
Section 1.02 Interest Calculations. All calculations of interest
will be made on a 360-day year consisting of twelve 30-day months. All dollar
amounts calculated hereunder shall be rounded to the nearest xxxxx with one-half
of one xxxxx being rounded down.
Section 1.03 Fiscal Year. The fiscal year of the Trust will be the
calendar year.
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans. (a) The Depositor,
concurrently with the execution and delivery hereof, hereby sells, transfers,
assigns, sets over and otherwise conveys to the Trustee on behalf of the Trust
for the benefit of the Certificateholders, without recourse, all the right,
title and interest of the Depositor in and to the Mortgage Loans, including all
interest and principal received on or with respect to the Mortgage Loans (other
than payments of principal and interest due and payable on the Mortgage Loans on
or before the Cut-off Date). The foregoing sale, transfer, assignment and set
over does not and is not intended to result in a creation of an assumption by
the Trustee of any obligation of the Depositor or any other Person in connection
with the Mortgage Loans or any agreement or instrument relating thereto, except
as specifically set forth herein. In addition, the Depositor, concurrently with
the execution and delivery hereof, hereby sells, transfers, assigns, sets over
and otherwise conveys to the Trustee on behalf of the Trust for the benefit of
the Certificateholders, without recourse, the Depositor's rights to receive any
BPP Mortgage Loan Payment. It is agreed and understood by the parties hereto
that it is not intended that any mortgage loan be included in the Trust that is
a "High-Cost Home Loan" as defined in any of (i) the New Jersey Home Ownership
Act effective November 27, 2003, (ii) the New Mexico Home Loan Protection Act
effective January 1, 2004, (iii) the Massachusetts Predatory Home Loan Practices
Act effective November 7, 2004 or (iv) the Indiana Home Loan Practices Act,
effective January 1, 2005.
(b) In connection with such transfer and assignment, the Depositor
shall deliver or cause to be delivered to the Trustee, for the benefit of the
Certificateholders, the following documents or instruments with respect to each
Mortgage Loan so assigned:
(i) the original Mortgage Note, endorsed by manual or facsimile
signature in the following form: "Pay to the order of Xxxxx Fargo Bank,
N.A., as trustee for the holders of the Banc of America Alternative Loan
Trust 2006-1 Mortgage Pass-Through Certificates, Series 2006-1, without
recourse," with all necessary intervening endorsements showing a complete
chain of endorsement from the originator to the Trustee (each such
endorsement being sufficient to transfer all right, title and interest of
the party so endorsing, as noteholder or assignee thereof, in and to that
Mortgage Note);
(ii) except as provided below, the original recorded Mortgage with
evidence of a recording thereon, or if any such Mortgage has not been
returned from the applicable recording office or has been lost, or if such
public recording office retains the original recorded Mortgage, a copy of
such Mortgage certified by the Depositor as being a true and correct copy
of the Mortgage;
(iii) subject to the provisos at the end of this paragraph, a duly
executed Assignment of Mortgage to "Xxxxx Fargo Bank, N.A., as trustee for
the holders of the Banc of America Alternative Loan Trust 2006-1 Mortgage
Pass-Through Certificates, Series 2006-1" (which may be included in a
blanket assignment or assignments), together with, except as provided
below, originals of all interim recorded assignments of such mortgage or a
copy of such interim assignment certified by the Depositor as being a true
and complete copy of the original recorded intervening assignments of
Mortgage (each such assignment, when duly and validly completed, to be in
recordable form and sufficient to effect the assignment of and transfer to
the assignee thereof, under the Mortgage to which the assignment relates);
provided that, if the related Mortgage has not been returned from the
applicable public recording office, such Assignment of Mortgage may
exclude the information to be provided by the recording office; and
provided, further, if the related Mortgage has been recorded in the name
of Mortgage Electronic Registration Systems, Inc. ("MERS") or its
designee, no Assignment of Mortgage in favor of the Trustee will be
required to be prepared or delivered and instead, the Servicer shall take
all actions as are necessary to cause the Trust to be shown as the owner
of the related Mortgage Loan on the records of MERS for purposes of the
system of recording transfers of beneficial ownership of mortgages
maintained by MERS;
(iv) the originals of all assumption, modification, consolidation or
extension agreements, if any, with evidence of recording thereon, if any;
(v) any of (A) the original or duplicate original mortgagee title
insurance policy and all riders thereto, (B) a title search showing no
lien (other than standard exceptions of the type described in Section 2.04
(viii)) on the Mortgaged Property senior to the lien of the Mortgage or
(C) an opinion of counsel of the type customarily rendered in the
applicable jurisdiction in lieu of a title insurance policy;
(vi) the original of any guarantee executed in connection with the
Mortgage Note;
(vii) for each Mortgage Loan, if any, which is secured by a
residential long-term lease, a copy of the lease with evidence of
recording indicated thereon, or, if the lease is in the process of being
recorded, a photocopy of the lease, certified by an officer of the
respective prior owner of such Mortgage Loan or by the applicable title
insurance company, closing/settlement/escrow agent or company or closing
attorney to be a true and correct copy of the lease transmitted for
recordation;
(viii) the original of any security agreement, chattel mortgage or
equivalent document executed in connection with the Mortgage; and
(ix) for each Mortgage Loan secured by Co-op Shares, the originals
of the following documents or instruments:
(A) The stock certificate;
(B) The stock power executed in blank;
(C) The executed proprietary lease;
(D) The executed recognition agreement;
(E) The executed assignment of recognition agreement, if any;
(F) The executed UCC-1 financing statement with evidence of
recording thereon; and
(G) Executed UCC-3 financing statements or other appropriate
UCC financing statements required by state law, evidencing a
complete and unbroken line from the mortgagee to the Trustee with
evidence of recording thereon (or in a form suitable for
recordation).
provided, however, that on the Closing Date, with respect to item (iii), the
Depositor has delivered to the Trustee a copy of such Assignment of Mortgage in
blank and has caused the Servicer to retain the completed Assignment of Mortgage
for recording as described below, unless such Mortgage has been recorded in the
name of MERS or its designee. In addition, if the Depositor is unable to deliver
or cause the delivery of any original Mortgage Note due to the loss of such
original Mortgage Note, the Depositor may deliver a copy of such Mortgage Note,
together with a lost note affidavit, and shall thereby be deemed to have
satisfied the document delivery requirements of this Section 2.01(b).
If in connection with any Mortgage Loans, the Depositor cannot
deliver (A) the Mortgage, (B) all interim recorded assignments, (C) all
assumption, modification, consolidation or extension agreements, if any, or (D)
the lender's title policy, if any, (together with all riders thereto) satisfying
the requirements of clause (ii), (iii), (iv) or (v) above, respectively,
concurrently with the execution and delivery hereof because such document or
documents have not been returned from the applicable public recording office in
the case of clause (ii), (iii) or (iv) above, or because the title policy, if
any, has not been delivered to either the Servicer or the Depositor by the
applicable title insurer in the case of clause (v) above, the Depositor shall
promptly deliver or cause to be delivered to the Trustee or the Custodian on
behalf of the Trustee, in the case of clause (ii), (iii) or (iv) above, such
Mortgage, such interim assignment or such assumption, modification,
consolidation or extension agreement, as the case may be, with evidence of
recording indicated thereon upon receipt thereof from the public recording
office, but in no event shall any such delivery of any such documents or
instruments be made later than one year following the Closing Date, unless, in
the case of clause (ii), (iii) or (iv) above, there has been a continuing delay
at the applicable recording office or, in the case of clause (v), there has been
a continuing delay at the applicable insurer and the Depositor has delivered the
Officer's Certificate to such effect to the Trustee. The Depositor shall forward
or cause to be forwarded to the Trustee (1) from time to time additional
original documents evidencing an assumption or modification of a Mortgage Loan
and (2) any other documents required to be delivered by the Depositor or the
Servicer to the Trustee or the Custodian on the Trustee's behalf. In the event
that the original Mortgage is not delivered and in connection with the payment
in full of the related Mortgage Loan the public recording office requires the
presentation of a "lost instruments affidavit and indemnity" or any equivalent
document, because only a copy of the Mortgage can be delivered with the
instrument of satisfaction or reconveyance, the Servicer shall prepare, execute
and deliver or cause to be prepared, executed and delivered, on behalf of the
Trust, such a document to the public recording office.
As promptly as practicable subsequent to such transfer and
assignment, and in any event, within 30 days thereafter, the Servicer shall
(except for any Mortgage which has been recorded in the name of MERS or its
designee) (I) cause each Assignment of Mortgage to be in proper form for
recording in the appropriate public office for real property records within 30
days of the Closing Date and (II) at the Depositor's expense, cause to be
delivered for recording in the appropriate public office for real property
records the Assignments of the Mortgages to the Trustee, except that, with
respect to any Assignment of a Mortgage as to which the Servicer has not
received the information required to prepare such assignment in recordable form,
the Servicer's obligation to do so and to deliver the same for such recording
shall be as soon as practicable after receipt of such information and in any
event within 30 days after the receipt thereof and, no recording of an
Assignment of Mortgage will be required in a state if either (i) the Depositor
furnishes to the Trustee an unqualified Opinion of Counsel reasonably acceptable
to the Trustee to the effect that recordation of such assignment is not
necessary under applicable state law to preserve the Trustee's interest in the
related Mortgage Loan against the claim of any subsequent transferee of such
Mortgage Loan or any successor to, or creditor of, the Depositor or the
originator of such Mortgage Loan or (ii) the recordation of an Assignment of
Mortgage in such state is not required by either Rating Agency in order to
obtain the initial ratings on the Certificates on the Closing Date. Set forth on
Exhibit L attached hereto is a list of all states where recordation is required
by either Rating Agency to obtain the initial ratings of the Certificates. The
Trustee may rely and shall be protected in relying upon the information
contained in such Exhibit L.
In the case of Mortgage Loans that have been prepaid in full as of
the Closing Date, the Depositor, in lieu of delivering the above documents to
the Trustee, or the Custodian on the Trustee's behalf, will cause the Servicer
to deposit in the Servicer Custodial Account the portion of such payment that is
required to be deposited in the Servicer Custodial Account pursuant to Section
3.08.
Section 2.02 Acceptance by the Trustee of the Mortgage Loans.
Subject to the provisions of the following paragraph, the Trustee declares that
it, or the Custodian as its agent, will hold the documents referred to in
Section 2.01 and the other documents delivered to it constituting the Mortgage
Files, and that it will hold such other assets as are included in the Trust
Estate, in trust for the exclusive use and benefit of all present and future
Certificateholders. Upon execution and delivery of this document, the Trustee
shall deliver or cause the Custodian to deliver to the Depositor, the Trustee
and the Servicer a certification in the form of Exhibit M hereto (the "Initial
Certification") to the effect that, except as may be specified in a list of
exceptions attached thereto, it has received the original Mortgage Note relating
to each of the Mortgage Loans listed on the Mortgage Loan Schedule.
Within 90 days after the execution and delivery of this Agreement,
the Trustee shall review, or cause the Custodian to review, the Mortgage Files
in its possession, and shall deliver to the Depositor, the Trustee and the
Servicer a certification in the form of Exhibit N hereto (the "Final
Certification") to the effect that, as to each Mortgage Loan listed in the
Mortgage Loan Schedule, except as may be specified in a list of exceptions
attached to such Final Certification, such Mortgage File contains all of the
items required to be delivered pursuant to Section 2.01(b).
If, in the course of such review, the Trustee or the Custodian finds
any document constituting a part of a Mortgage File which does not meet the
requirements of Section 2.01 or is omitted from such Mortgage File, the Trustee
shall promptly so notify the Servicer and the Depositor, or shall cause the
Custodian to promptly so notify the Servicer and the Depositor. In performing
any such review, the Trustee or the Custodian may conclusively rely on the
purported genuineness of any such document and any signature thereon. It is
understood that the scope of the Trustee's or the Custodian's review of the
Mortgage Files is limited solely to confirming that the documents listed in
Section 2.01 have been received and further confirming that any and all
documents delivered pursuant to Section 2.01 appear on their face to have been
executed and relate to the Mortgage Loans identified in the Mortgage Loan
Schedule based solely upon the review of items (i) and (xi) in the definition of
Mortgage Loan Schedule. Neither the Trustee nor the Custodian shall have any
responsibility for determining whether any document is valid and binding,
whether the text of any assignment or endorsement is in proper or recordable
form, whether any document has been recorded in accordance with the requirements
of any applicable jurisdiction, or whether a blanket assignment is permitted in
any applicable jurisdiction. The Depositor hereby covenants and agrees that it
will promptly correct or cure such defect within 90 days from the date it was so
notified of such defect and, if the Depositor does not correct or cure such
defect within such period, the Depositor will either (a) substitute for the
related Mortgage Loan a Substitute Mortgage Loan, which substitution shall be
accomplished in the manner and subject to the conditions set forth below or (b)
purchase such Mortgage Loan from the Trustee at the Repurchase Price for such
Mortgage Loan; provided, however, that in no event shall such a substitution
occur more than two years from the Closing Date; provided, further, that such
substitution or repurchase shall occur within 90 days of when such defect was
discovered if such defect will cause the Mortgage Loan not to be a "qualified
mortgage" within the meaning of Section 860G(a)(3) of the Code.
With respect to each Substitute Mortgage Loan the Depositor shall
deliver to the Trustee, for the benefit of the Certificateholders, the Mortgage
Note, the Mortgage, the related Assignment of Mortgage (except for any Mortgage
which has been recorded in the name of MERS or its designee), and such other
documents and agreements as are otherwise required by Section 2.01, with the
Mortgage Note endorsed and the Mortgage assigned as required by Section 2.01. No
substitution is permitted to be made in any calendar month after the
Determination Date for such month. Monthly Payments due with respect to any such
Substitute Mortgage Loan in the month of substitution shall not be part of the
Trust Estate and will be retained by the Depositor. For the month of
substitution, distributions to Certificateholders will include the Monthly
Payment due for such month on any Defective Mortgage Loan for which the
Depositor has substituted a Substitute Mortgage Loan.
The Servicer shall amend the Mortgage Loan Schedule for the benefit
of the Certificateholders to reflect the removal of each Mortgage Loan that has
become a Defective Mortgage Loan and the substitution of the Substitute Mortgage
Loan or Loans and the Servicer shall deliver the amended Mortgage Loan Schedule
to the Trustee and the Custodian. Upon such substitution, each Substitute
Mortgage Loan shall be subject to the terms of this Agreement in all respects,
and the Depositor shall be deemed to have made to the Trustee with respect to
such Substitute Mortgage Loan, as of the date of substitution, the
representations and warranties made pursuant to Section 2.04. Upon any such
substitution and the deposit to the Servicer Custodial Account of any required
Substitution Adjustment Amount (as described in the next paragraph) and receipt
of a Request for Release, the Trustee shall release, or shall direct the
Custodian to release, the Mortgage File relating to such Defective Mortgage Loan
to the Depositor and shall execute and deliver at the Depositor's direction such
instruments of transfer or assignment prepared by the Depositor, in each case
without recourse, as shall be necessary to vest title in the Depositor, or its
designee, to the Trustee's interest in any Defective Mortgage Loan substituted
for pursuant to this Section 2.02.
For any month in which the Depositor substitutes one or more
Substitute Mortgage Loans for one or more Defective Mortgage Loans, the amount
(if any) by which the aggregate principal balance of all such Substitute
Mortgage Loans in a Loan Group as of the date of substitution is less than the
aggregate Stated Principal Balance of all such Defective Mortgage Loans in such
Loan Group (after application of the principal portion of the Monthly Payments
due in the month of substitution) (the "Substitution Adjustment Amount" for such
Loan Group) plus an amount equal to the aggregate of any unreimbursed Advances
with respect to such Defective Mortgage Loans shall be deposited into the
Servicer Custodial Account by the Depositor on or before the Remittance Date for
the Distribution Date in the month succeeding the calendar month during which
the related Mortgage Loan is required to be purchased or replaced hereunder.
The Trustee shall retain or shall cause the Custodian to retain
possession and custody of each Mortgage File in accordance with and subject to
the terms and conditions set forth herein. The Servicer shall promptly deliver
to the Trustee, upon the execution or, in the case of documents requiring
recording, receipt thereof, the originals of such other documents or instruments
constituting the Mortgage File as come into the Servicer's possession from time
to time.
It is understood and agreed that the obligation of the Depositor to
substitute for or to purchase any Mortgage Loan which does not meet the
requirements of Section 2.01 shall constitute the sole remedy respecting such
defect available to the Trustee and any Certificateholder against the Depositor.
The Trustee or the Custodian, on behalf of the Trustee, shall be
under no duty or obligation (i) to inspect, review or examine any such
documents, instruments, certificates or other papers to determine that they are
genuine, enforceable, or appropriate for the represented purpose or that they
are other than what they purport to be on their face or (ii) to determine
whether any Mortgage File should include any of the documents specified in
Section 2.01(b)(iv), (vi), (vii), (viii) and (ix). In connection with making the
certifications required hereunder, to the extent a title search or opinion of
counsel has been provided in lieu of a title policy for any Mortgage Loan, the
Trustee shall only be responsible for confirming that a title search or opinion
of counsel has been provided for such Mortgage Loan and shall not be deemed to
have certified that the content of such title search or opinion of counsel is
sufficient to meet the requirements of Section 2.01(b)(v).
Section 2.03 Representations and Warranties of the Servicer. The
Servicer hereby makes the following representations and warranties to the
Depositor and the Trustee, as of the Closing Date:
(i) The Servicer is a national banking association duly organized,
validly existing, and in good standing under the federal laws of the
United States of America and has all licenses necessary to carry on its
business as now being conducted and is licensed, qualified and in good
standing in each of the states where a Mortgaged Property is located if
the laws of such state require licensing or qualification in order to
conduct business of the type conducted by the Servicer. The Servicer has
power and authority to execute and deliver this Agreement and to perform
in accordance herewith; the execution, delivery and performance of this
Agreement (including all instruments of transfer to be delivered pursuant
to this Agreement) by the Servicer and the consummation of the
transactions contemplated hereby have been duly and validly authorized.
This Agreement, assuming due authorization, execution and delivery by the
other parties hereto, evidences the valid, binding and enforceable
obligation of the Servicer, subject to applicable law except as
enforceability may be limited by (A) bankruptcy, insolvency, liquidation,
receivership, moratorium, reorganization or other similar laws affecting
the enforcement of creditors' rights generally or creditors of national
banks and (B) general principles of equity, whether enforcement is sought
in a proceeding in equity or at law. All requisite corporate action has
been taken by the Servicer to make this Agreement valid and binding upon
the Servicer in accordance with its terms.
(ii) No consent, approval, authorization or order is required for
the transactions contemplated by this Agreement from any court,
governmental agency or body, or federal or state regulatory authority
having jurisdiction over the Servicer is required or, if required, such
consent, approval, authorization or order has been or will, prior to the
Closing Date, be obtained.
(iii) The consummation of the transactions contemplated by this
Agreement are in the ordinary course of business of the Servicer and will
not result in the breach of any term or provision of the charter or
by-laws of the Servicer or result in the breach of any term or provision
of, or conflict with or constitute a default under or result in the
acceleration of any obligation under, any agreement, indenture or loan or
credit agreement or other instrument to which the Servicer or its property
is subject, or result in the violation of any law, rule, regulation,
order, judgment or decree to which the Servicer or its property is
subject.
(iv) There is no action, suit, proceeding or investigation pending
or, to the best knowledge of the Servicer, threatened against the Servicer
which, either individually or in the aggregate, would result in any
material adverse change in the business, operations, financial condition,
properties or assets of the Servicer, or in any material impairment of the
right or ability of the Servicer to carry on its business substantially as
now conducted or which would draw into question the validity of this
Agreement or the Mortgage Loans or of any action taken or to be taken in
connection with the obligations of the Servicer contemplated herein, or
which would materially impair the ability of the Servicer to perform under
the terms of this Agreement.
(v) The Servicer has fully furnished, and shall continue to fully
furnish for so long as it is servicing the Mortgage Loans hereunder, in
accordance with the Fair Credit Reporting Act and its implementing
regulations, accurate and complete information on the related Mortgagor
credit files to Equifax, Experian and Trans Union Credit Information
Company on a monthly basis.
The representations and warranties made pursuant to this Section
2.03 shall survive delivery of the respective Mortgage Files to the Trustee for
the benefit of the Certificateholders. Upon discovery by any of the Depositor,
the Servicer or the Trustee of a breach of any of the representations or
warranties set forth in this Section 2.03, the party discovering such breach
shall give prompt written notice to the other parties. Section 2.04
Representations and Warranties of the Depositor as to the Mortgage Loans. The
Depositor hereby represents and warrants to the Trustee with respect to the
Mortgage Loans or each Mortgage Loan, as the case may be, as of the date hereof
or such other date set forth herein that as of the Closing Date:
(i) The information set forth in the Mortgage Loan Schedule is true
and correct in all material respects.
(ii) There are no delinquent taxes, ground rents, governmental
assessments, insurance premiums, leasehold payments, including assessments
payable in future installments or other outstanding charges affecting the
lien priority of the related Mortgaged Property.
(iii) The terms of the Mortgage Note and the Mortgage have not been
impaired, waived, altered or modified in any respect, except by written
instruments, recorded in the applicable public recording office if
necessary to maintain the lien priority of the Mortgage, and which have
been delivered to the Trustee; the substance of any such waiver,
alteration or modification has been approved by the insurer under the
Primary Insurance Policy, if any, the title insurer, to the extent
required by the related policy, and is reflected on the Mortgage Loan
Schedule. No instrument of waiver, alteration or modification has been
executed, and no Mortgagor has been released, in whole or in part, except
in connection with an assumption agreement approved by the insurer under
the Primary Insurance Policy, if any, the title insurer, to the extent
required by the policy, and which assumption agreement has been delivered
to the Trustee.
(iv) The Mortgage Note and the Mortgage are not subject to any right
of rescission, set-off, counterclaim or defense, including the defense of
usury, nor will the operation of any of the terms of the Mortgage Note and
the Mortgage, or the exercise of any right thereunder, render either the
Mortgage Note or the Mortgage unenforceable, in whole or in part, or
subject to any right of rescission, set-off, counterclaim or defense,
including the defense of usury and no such right of rescission, set-off,
counterclaim or defense has been asserted with respect thereto.
(v) All buildings upon the Mortgaged Property are insured by an
insurer generally acceptable to prudent mortgage lending institutions
against loss by fire, hazards of extended coverage and such other hazards
as are customary in the area the Mortgaged Property is located, pursuant
to insurance policies conforming to the requirements of Customary
Servicing Procedures and this Agreement. All such insurance policies
contain a standard mortgagee clause naming the originator of the Mortgage
Loan, its successors and assigns as mortgagee and all premiums thereon
have been paid. If the Mortgaged Property is in an area identified on a
flood hazard map or flood insurance rate map issued by the Federal
Emergency Management Agency as having special flood hazards (and such
flood insurance has been made available), a flood insurance policy meeting
the requirements of the current guidelines of the Federal Insurance
Administration is in effect which policy conforms to the requirements of
Xxxxxx Xxx or Xxxxxxx Mac. The Mortgage obligates the Mortgagor thereunder
to maintain all such insurance at the Mortgagor's cost and expense, and on
the Mortgagor's failure to do so, authorizes the holder of the Mortgage to
maintain such insurance at Mortgagor's cost and expense and to seek
reimbursement therefor from the Mortgagor.
(vi) Any and all requirements of any federal, state or local law
including, without limitation, usury, truth in lending, real estate
settlement procedures, consumer credit protections, all applicable
predatory and abusive lending laws, equal credit opportunity or disclosure
laws applicable to the origination and servicing of Mortgage Loan have
been complied with.
(vii) The Mortgage has not been satisfied, canceled, subordinated or
rescinded, in whole or in part (other than as to Principal Prepayments in
full which may have been received prior to the Closing Date), and the
Mortgaged Property has not been released from the lien of the Mortgage, in
whole or in part, nor has any instrument been executed that would effect
any such satisfaction, cancellation, subordination, rescission or release.
(viii) The Mortgage is a valid, existing and enforceable first lien
on the Mortgaged Property, including all improvements on the Mortgaged
Property subject only to (A) the lien of current real property taxes and
assessments not yet due and payable, (B) covenants, conditions and
restrictions, rights of way, easements and other matters of the public
record as of the date of recording being acceptable to mortgage lending
institutions generally and specifically referred to in the lender's title
insurance policy delivered to the originator of the Mortgage Loan and
which do not adversely affect the Appraised Value of the Mortgaged
Property, (C) if the Mortgaged Property consists of Co-op Shares, any lien
for amounts due to the cooperative housing corporation for unpaid
assessments or charges or any lien of any assignment of rents or
maintenance expenses secured by the real property owned by the cooperative
housing corporation, and (D) 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 the Mortgage or the use,
enjoyment, value or marketability of the related Mortgaged Property. Any
security agreement, chattel mortgage or equivalent document related to and
delivered in connection with the Mortgage Loan establishes and creates a
valid, existing and enforceable first lien and first priority security
interest on the property described therein and the Depositor has the full
right to sell and assign the same to the Trustee.
(ix) The Mortgage Note and the related Mortgage are genuine and each
is the legal, valid and binding obligation of the maker thereof,
enforceable in accordance with its terms except as enforceability may be
limited by (A) bankruptcy, insolvency, liquidation, receivership,
moratorium, reorganization or other similar laws affecting the enforcement
of the rights of creditors and (B) general principles of equity, whether
enforcement is sought in a proceeding in equity or at law.
(x) All parties to the Mortgage Note and the Mortgage had legal
capacity to enter into the Mortgage Loan and to execute and deliver the
Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage
have been duly and properly executed by such parties.
(xi) The proceeds of the Mortgage Loan have been fully disbursed to
or for the account of the Mortgagor and there is no obligation for the
Mortgagee to advance additional funds thereunder and any and all
requirements as to completion of any on-site or off-site improvements and
as to disbursements of any escrow funds therefor have been complied with.
All costs, fees and expenses incurred in making or closing the Mortgage
Loan and the recording of the Mortgage have been paid, and the Mortgagor
is not entitled to any refund of any amounts paid or due to the Mortgagee
pursuant to the Mortgage Note or Mortgage.
(xii) To the best of the Depositor's knowledge, all parties which
have had any interest in the Mortgage Loan, whether as mortgagee,
assignee, pledgee or otherwise, are (or, during the period in which they
held and disposed of such interest, were) in compliance with any and all
applicable "doing business" and licensing requirements of the laws of the
state wherein the Mortgaged Property is located.
(xiii) (A) The Mortgage Loan is covered by an ALTA lender's title
insurance policy, acceptable to Xxxxxx Xxx or Xxxxxxx Mac, issued by a
title insurer acceptable to Xxxxxx Mae or Xxxxxxx Mac and qualified to do
business in the jurisdiction where the Mortgaged Property is located,
insuring (subject to the exceptions contained in (viii)(A) and (B) above)
the Seller, its successors and assigns as to the first priority lien of
the Mortgage in the original principal amount of the Mortgage Loan, (B) a
title search has been done showing no lien (other than the exceptions
contained in (viii)(A) and (B) above) on the related Mortgaged Property
senior to the lien of the Mortgage or (C) in the case of any Mortgage Loan
secured by a Mortgaged Property located in a jurisdiction where such
policies are generally not available, an opinion of counsel of the type
customarily rendered in such jurisdiction in lieu of title insurance is
instead received. For each Mortgage Loan covered by a title insurance
policy (x) the Depositor is the sole insured of such lender's title
insurance policy, and such lender's title insurance policy is in full
force and effect and will be in full force and effect upon the
consummation of the transactions contemplated by this Agreement and (y) no
claims have been made under such lender's title insurance policy, and the
Depositor has not done, by act or omission, anything which would impair
the coverage of such lender's title insurance policy.
(xiv) There is no default, breach, violation or event of
acceleration existing under the Mortgage or the Mortgage Note and no event
which, with the passage of time or with notice and the expiration of any
grace or cure period, would constitute a default, breach, violation or
event of acceleration, and the Seller has not waived any default, breach,
violation or event of acceleration.
(xv) As of the date of origination of the Mortgage Loan, there had
been no mechanics' or similar liens or claims filed for work, labor or
material (and no rights are outstanding that under law could give rise to
such lien) affecting the related Mortgaged Property which are or may be
liens prior to, or equal or coordinate with, the lien of the related
Mortgage.
(xvi) All improvements which were considered in determining the
Appraised Value of the related Mortgaged Property lay wholly within the
boundaries and building restriction lines of the Mortgaged Property, and
no improvements on adjoining properties encroach upon the Mortgaged
Property.
(xvii) The Mortgage Loan was originated by a savings and loan
association, savings bank, commercial bank, credit union, insurance
company, or similar institution which is supervised and examined by a
federal or state authority, or by a mortgagee approved by the Secretary of
Housing and Urban Development pursuant to sections 203 and 211 of the
National Housing Act.
(xviii) Principal payments on the Mortgage Loan commenced no more
than sixty days after the proceeds of the Mortgaged Loan were disbursed.
The Mortgage Loans are 20 to 30-year fixed rate mortgage loans having an
original term to maturity of not more than 30 years, with interest payable
in arrears on the first day of the month. Each Mortgage Note requires a
monthly payment which is sufficient to fully amortize the original
principal balance over the original term thereof and to pay interest at
the related Mortgage Interest Rate. The Mortgage Note does not permit
negative amortization.
(xix) There is no proceeding pending or, to the Depositor's
knowledge, threatened for the total or partial condemnation of the
Mortgaged Property. The Mortgaged Property is in good repair and is
undamaged by waste, fire, earthquake or earth movement, windstorm, flood,
tornado or other casualty, so as to affect adversely the value of the
Mortgaged Property as security for the Mortgage Loan or the use for which
the premises were intended.
(xx) The Mortgage and related Mortgage Note contain customary and
enforceable provisions such as to render the rights and remedies of the
holder thereof adequate for the realization against the Mortgaged Property
of the benefits of the security provided thereby, including (A) in the
case of a Mortgage designated as a deed of trust, by trustee's sale, and
(B) otherwise by judicial foreclosure. To the best of the Depositor's
knowledge, following the date of origination of the Mortgage Loan, the
Mortgaged Property has not been subject to any bankruptcy proceeding or
foreclosure proceeding and the Mortgagor has not filed for protection
under applicable bankruptcy laws. There is no homestead or other exemption
or right available to the Mortgagor or any other person which would
interfere with the right to sell the Mortgaged Property at a trustee's
sale or the right to foreclose the Mortgage.
(xxi) Other than any Borrowers Protection Plan(R) addendum to the
Mortgage Note of a BPP Mortgage Loan, the Mortgage Note and Mortgage are
on forms acceptable to Xxxxxx Xxx or Xxxxxxx Mac.
(xxii) The Mortgage Note is not and has not been secured by any
collateral except the lien of the corresponding Mortgage on the Mortgaged
Property and the security interest of any applicable security agreement or
chattel mortgage referred to in (viii) above.
(xxiii) Each appraisal of the related Mortgaged Property, is in a
form acceptable to Xxxxxx Mae or Xxxxxxx Mac and such appraisal complies
with the requirements of FIRREA, and was made and signed, prior to the
approval of the Mortgage Loan application, by a Qualified Appraiser.
(xxiv) In the event the Mortgage constitutes a deed of trust, a
trustee, duly qualified under applicable law to serve as such, has been
properly designated and currently so serves, and no fees or expenses are
or will become payable by the Trustee to the trustee under the deed of
trust, except in connection with a trustee's sale after default by the
Mortgagor.
(xxv) No Mortgage Loan is a graduated payment mortgage loan and no
Mortgage Loan has a shared appreciation or other contingent interest
feature, and no more than 0.00%, 0.19%, 0.00% and 0.00% (by Cut-off Date
Principal Balance) of the Group 1, Group 2, Group 3 and Group 4 Mortgage
Loans, respectively, are Buy-Down Mortgage Loans.
(xxvi) The Mortgagor has received all disclosure materials required
by applicable law with respect to the making of mortgage loans of the same
type as the Mortgage Loan and rescission materials required by applicable
law if the Mortgage Loan is a Refinance Mortgage Loan.
(xxvii) Each Primary Insurance Policy to which any Mortgage Loan is
subject will be issued by an insurer acceptable to Xxxxxx Mae or Xxxxxxx
Mac, which insures that portion of the Mortgage Loan in excess of the
portion of the Appraised Value of the Mortgaged Property required by
Xxxxxx Mae. All provisions of such Primary Insurance Policy have been and
are being complied with, such policy is in full force and effect, and all
premiums due thereunder have been paid. Any Mortgage subject to any such
Primary Insurance Policy obligates the Mortgagor thereunder to maintain
such insurance and to pay all premiums and charges in connection therewith
at least until Loan-to-Value Ratio of such Mortgage Loan is reduced to
less than 80%. The Mortgage Interest Rate for the Mortgage Loan does not
include any such insurance premium.
(xxviii) To the best of the Depositor's knowledge as of the date of
origination of the Mortgage Loan, (A) the Mortgaged Property is lawfully
occupied under applicable law, (B) all inspections, licenses and
certificates required to be made or issued with respect to all occupied
portions of the Mortgaged Property and, with respect to the use and
occupancy of the same, including but not limited to certificates of
occupancy, have been made or obtained from the appropriate authorities and
(C) no improvement located on or part of the Mortgaged Property is in
violation of any zoning law or regulation.
(xxix) The Assignment of Mortgage (except with respect to any
Mortgage that has been recorded in the name of MERS or its designee) is in
recordable form and is acceptable for recording under the laws of the
jurisdiction in which the Mortgaged Property is located.
(xxx) All payments required to be made prior to the Cut-off Date for
such Mortgage Loan under the terms of the Mortgage Note have been made and
no Mortgage Loan has been more than 30 days delinquent more than once in
the twelve month period immediately prior to the Cut-off Date.
(xxxi) With respect to each Mortgage Loan, the Depositor or Servicer
is in possession of a complete Mortgage File except for the documents
which have been delivered to the Trustee or which have been submitted for
recording and not yet returned.
(xxxii) Immediately prior to the transfer and assignment
contemplated herein, the Depositor was the sole owner and holder of the
Mortgage Loans. The Mortgage Loans were not assigned or pledged by the
Depositor and the Depositor had good and marketable title thereto, and the
Depositor had full right to transfer and sell the Mortgage Loans to the
Trustee free and clear of any encumbrance, participation interest, lien,
equity, pledge, claim or security interest and had full right and
authority subject to no interest or participation in, or agreement with
any other party to sell or otherwise transfer the Mortgage Loans.
(xxxiii) Any future advances made prior to the Cut-off Date have
been consolidated with the outstanding principal amount secured by the
Mortgage, and the secured principal amount, as consolidated, bears a
single interest rate and single repayment term. The lien of the Mortgage
securing the consolidated principal amount is expressly insured as having
first lien priority by a title insurance policy, an endorsement to the
policy insuring the mortgagee's consolidated interest or by other title
evidence acceptable to Xxxxxx Xxx and Xxxxxxx Mac. The consolidated
principal amount does not exceed the original principal amount of the
Mortgage Loan.
(xxxiv) The Mortgage Loan was underwritten in accordance with the
applicable Underwriting Guidelines in effect at the time of origination
with exceptions thereto exercised in a reasonable manner.
(xxxv) If the Mortgage Loan is secured by a long-term residential
lease, (1) the lessor under the lease holds a fee simple interest in the
land; (2) the terms of such lease expressly permit the mortgaging of the
leasehold estate, the assignment of the lease without the lessor's consent
and the acquisition by the holder of the Mortgage of the rights of the
lessee upon foreclosure or assignment in lieu of foreclosure or provide
the holder of the Mortgage with substantially similar protections; (3) the
terms of such lease do not (a) allow the termination thereof upon the
lessee's default without the holder of the Mortgage being entitled to
receive written notice of, and opportunity to cure, such default, (b)
allow the termination of the lease in the event of damage or destruction
as long as the Mortgage is in existence, (c) prohibit the holder of the
Mortgage from being insured (or receiving proceeds of insurance) under the
hazard insurance policy or policies relating to the Mortgaged Property or
(d) permit any increase in the rent other than pre-established increases
set forth in the lease; (4) the original term of such lease is not less
than 15 years; (5) the term of such lease does not terminate earlier than
five years after the maturity date of the Mortgage Note; and (6) the
Mortgaged Property is located in a jurisdiction in which the use of
leasehold estates in transferring ownership in residential properties is a
widely accepted practice.
(xxxvi) No more than 0.30%, 0.37%, 0.24% and 0.00%, (by Cut-off Date
Principal Balance) of the Group 1, Group 2, Group 3 and Group 4 Mortgage
Loans, respectively, are secured by long-term residential leases.
(xxxvii) The Mortgaged Property is located in the state identified
in the Mortgage Loan Schedule and consists of a parcel of real property
with a detached single family residence erected thereon, or a two- to
four-family dwelling, or an individual condominium unit, or an individual
unit in a planned unit development, or, in the case of Mortgage Loans
secured by Co-op Shares, leases or occupancy agreements; provided,
however, that any condominium project or planned unit development
generally conforms with the applicable Underwriting Guidelines regarding
such dwellings, and no residence or dwelling is a mobile home or a
manufactured dwelling.
(xxxviii) The Depositor used no adverse selection procedures in
selecting the Mortgage Loan for inclusion in the Trust Estate.
(xxxix) Each Mortgage Loan is a "qualified mortgage" within the
meaning of Section 860G(a)(3) of the Code.
(xl) With respect to each Mortgage where a lost note affidavit has
been delivered to the Trustee in place of the related Mortgage Note, the
related Mortgage Note is no longer in existence.
(xli) No Mortgage Loan is a "high cost" loan as defined under any
federal, state or local law applicable to such Mortgage Loan at the time
of its origination.
(xlii) No Mortgage Loan is subject to the provisions of the Home
Ownership and Equity Protection Act of 1994, as amended.
(xliii) No Mortgage Loan is a "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" loan 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).
(xliv) With respect to each Mortgage Loan: (a) no borrower was
required to purchase any single premium credit insurance policy (e.g.,
life, mortgage, disability, accident, unemployment, or health insurance
product) or debt cancellation agreement as a condition of obtaining the
extension of credit; (b) no borrower obtained a prepaid single premium
credit insurance policy (e.g., life, mortgage, disability, accident,
unemployment, or health insurance product) in connection with the
origination of the Mortgage Loan; and (c) no proceeds from any Mortgage
Loan were used to purchase single premium credit insurance policies or
debt cancellation agreements as part of the origination of, or as a
condition to closing, such Mortgage Loan.
(xlv) No Mortgage Loan provides for the payment of a prepayment
premium.
(xlvi) No Mortgage Loan originated on or after August 1, 2004
requires the borrower to submit to arbitration to resolve any dispute
arising out of or relating in any way to the mortgage loan transaction.
(xlvii) As of the date of origination, no Mortgage Loan had a
principal balance in excess of Xxxxxxx Mac's dollar amount limits for
conforming one- to four-family mortgage loans.
(xlviii) With respect to each Mortgage Loan, no borrower was
encouraged or required to select a mortgage loan product offered by the
Mortgage Loan's originator which is a higher cost product designed for
less creditworthy borrowers, unless at the time of the Mortgage Loan's
origination, such borrower did not qualify taking into account credit
history and debt to income ratios for a lower cost credit product then
offered by the Mortgage Loan's originator or any affiliate of the Mortgage
Loan's originator. If, at the time of loan application, the borrower may
have qualified for a lower cost credit product then offered by any
mortgage lending affiliate of the Mortgage Loan's originator, the Mortgage
Loan's originator referred the borrower's application to such affiliate
for underwriting consideration.
(xlix) The methodology used in underwriting the extension of credit
for each Mortgage Loan employs objective mathematical principles which
relate the borrower's income, assets and liabilities to the proposed
payment and such underwriting methodology does not rely on the extent of
the borrower's equity in the collateral as the principal determining
factor in approving such credit extension. Such underwriting methodology
confirmed that at the time of origination (application/approval) the
borrower had the reasonable ability to make timely payments on the
Mortgage Loan.
(l) No borrower under a Mortgage Loan was charged "points and fees"
in an amount greater than (a) $1,000 or (b) 5% of the Cut-off Date
Principal Balance of such Mortgage Loan, whichever is greater. For
purposes of this representation, "points and fees" (x) include
origination, underwriting, broker and finder's fees and charges that the
lender imposed as a condition of making the Mortgage Loan, whether they
are paid to the lender or a third party; and (y) exclude bona fide
discount points, fees paid for actual services rendered in connection with
the origination of the mortgage (such as attorneys' fees, notaries fees
and fees paid for property appraisals, credit reports, surveys, title
examinations and extracts, flood and tax certifications, and home
inspections); the cost of mortgage insurance or credit-risk price
adjustments; the costs of title, hazard, and flood insurance policies;
state and local transfer taxes or fees; escrow deposits for the future
payment of taxes and insurance premiums; and other miscellaneous fees and
charges that, in total, do not exceed 0.25 percent of the loan amount.
Notwithstanding the foregoing, no representations or warranties are
made by the Depositor as to the environmental condition of any Mortgaged
Property; the absence, presence or effect of hazardous wastes or hazardous
substances on any Mortgaged Property; any casualty resulting from the presence
or effect of hazardous wastes or hazardous substances on, near or emanating from
any Mortgaged Property; the impact on Certificateholders of any environmental
condition or presence of any hazardous substance on or near any Mortgaged
Property; or the compliance of any Mortgaged Property with any environmental
laws, nor is any agent, Person or entity otherwise affiliated with the Depositor
authorized or able to make any such representation, warranty or assumption of
liability relative to any Mortgaged Property. In addition, no representations or
warranties are made by the Depositor with respect to the absence or effect of
fraud in the origination of any Mortgage Loan.
It is understood and agreed that the representations and warranties
set forth in this Section 2.04 shall survive delivery of the respective Mortgage
Files to the Trustee or the Custodian and shall inure to the benefit of the
Trustee, notwithstanding any restrictive or qualified endorsement or assignment.
Upon discovery by any of the Depositor, the Servicer, the Trustee or
the Custodian that any of the representations and warranties set forth in this
Section 2.04 is not accurate (referred to herein as a "breach") and that such
breach (in the case of the representations and warranties set forth in clauses
(i) through (xli) of this Section 2.04) materially and adversely affects the
interests of the Certificateholders in the related Mortgage Loan, the party
discovering such breach shall give prompt written notice to the other parties
(any Custodian being so obligated under a custodial agreement); provided that
any such breach that causes the Mortgage Loan not to be a "qualified mortgage"
within the meaning of Section 860G(a)(3) of the Code shall be deemed to
materially and adversely affect the interests of the Certificateholders. Within
90 days of its discovery or its receipt of notice of any such breach, the
Depositor shall cure such breach in all material respects or shall either (i)
repurchase the Mortgage Loan or any property acquired in respect thereof from
the Trustee at a price equal to the Repurchase Price or (ii) if within two years
of the Closing Date, substitute for such Mortgage Loan in the manner described
in Section 2.02; provided that if the breach would cause the Mortgage Loan to be
other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code,
any such repurchase or substitution must occur within 90 days from the date the
breach was discovered. In addition to the foregoing, if a breach of the
representation set forth in clause (vi) of this Section 2.04 occurs as a result
of a violation of an applicable predatory or abusive lending law, the Depositor
shall reimburse the Trust for all costs or damages incurred by the Trust as a
result of the violation of such law (such amount, the "Reimbursement Amount").
The Repurchase Price of any repurchase described in this paragraph, the
Substitution Adjustment Amount, if any, and any Reimbursement Amount shall be
deposited in the Servicer Custodial Account. It is understood and agreed that,
except with respect to the second preceding sentence, the obligation of the
Depositor to repurchase or substitute for any Mortgage Loan or Mortgaged
Property as to which such a breach has occurred and is continuing shall
constitute the sole remedy respecting such breach available to
Certificateholders, or to the Trustee on behalf of Certificateholders, and such
obligation shall survive until termination of the Trust hereunder.
Section 2.05 Designation of Interests in the REMICs. The Depositor
hereby designates the Classes of Senior Certificates (other than the Class
CB-IO, Class CB-PO and Class 1-CB-R Certificates), the Classes of Class B
Certificates and each Component as "regular interests" and the Class R-U
Interest as the single class of "residual interest" in the Upper-Tier REMIC for
the purposes of Code Sections 860G(a)(1) and 860G(a)(2), respectively. The
Depositor hereby further designates the Uncertificated Lower-Tier Interests as
classes of "regular interests" and the Class X-X Interest as the single class of
"residual interest" in the Lower-Tier REMIC for the purposes of Code Sections
860G(a)(1) and 860G(a)(2), respectively.
Section 2.06 Designation of Start-up Day. The Closing Date is hereby
designated as the "start-up day" of each of the Upper-Tier REMIC and Lower-Tier
REMIC within the meaning of Section 860G(a)(9) of the Code
. Section 2.07 REMIC Certificate Maturity Date. Solely for purposes
of satisfying Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the
"latest possible maturity date" of the regular interests in the Upper-Tier REMIC
and Lower-Tier REMIC is February 25, 2036.
Section 2.08 Execution and Delivery of Certificates. The Trustee (i)
acknowledges the issuance of and hereby declares that it holds the
Uncertificated Lower-Tier Interests on behalf of the Upper-Tier REMIC and the
Certificateholders and (ii) has executed and delivered to or upon the order of
the Depositor, in exchange for the Mortgage Loans and Uncertificated Lower-Tier
Interests, together with all other assets included in the definition of "Trust
Estate," receipt of which is hereby acknowledged, Certificates in authorized
denominations which, together with the Uncertificated Lower-Tier Interests,
evidence ownership of the entire Trust Estate.
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01 Servicer to Service Mortgage Loans. For and on behalf
of the Certificateholders, the Servicer shall service and administer the
Mortgage Loans, all in accordance with the terms of this Agreement, Customary
Servicing Procedures, applicable law and the terms of the Mortgage Notes and
Mortgages. In connection with such servicing and administration, the Servicer
shall have full power and authority, acting alone and/or through Subservicers as
provided in Section 3.02, to do or cause to be done any and all things that it
may deem necessary or desirable in connection with such servicing and
administration including, but not limited to, the power and authority, subject
to the terms hereof, (a) to execute and deliver, on behalf of the
Certificateholders and the Trustee, customary consents or waivers and other
instruments and documents, (b) to consent, with respect to the Mortgage Loans it
services, to transfers of any Mortgaged Property and assumptions of the Mortgage
Notes and related Mortgages (but only in the manner provided in this Agreement),
(c) to collect any Insurance Proceeds and other Liquidation Proceeds relating to
the Mortgage Loans it services, and (d) to effectuate foreclosure or other
conversion of the ownership of the Mortgaged Property securing any Mortgage Loan
it services. The Servicer shall represent and protect the interests of the Trust
in the same manner as it protects its own interests in mortgage loans in its own
portfolio in any claim, proceeding or litigation regarding a Mortgage Loan and
shall not make or permit any modification, waiver or amendment of any term of
any Mortgage Loan, except as provided pursuant to Section 3.21. Without limiting
the generality of the foregoing, the Servicer, in its own name or in the name of
any Subservicer or the Depositor and the Trustee, is hereby authorized and
empowered by the Depositor and the Trustee, when the Servicer or any
Subservicer, as the case may be, believes it appropriate in its reasonable
judgment, to execute and deliver, on behalf of the Trustee, the Depositor, the
Certificateholders or any of them, any and all instruments or agreements of
satisfaction, cancellation, default, assumption, modification, discharge,
partial or full release, and all other comparable instruments and agreements,
with respect to the Mortgage Loans it services, and with respect to the related
Mortgaged Properties held for the benefit of the Certificateholders. To the
extent that the Servicer is not permitted to execute and deliver such documents
pursuant to the preceding sentence, the Servicer shall prepare and deliver to
the Depositor and/or the Trustee such documents requiring execution and delivery
by either or both of them as are necessary or appropriate to enable the Servicer
to service and administer the Mortgage Loans it services. Upon receipt of such
documents, the Depositor and/or the Trustee, upon the direction of the Servicer,
shall promptly execute such documents and deliver them to the Servicer.
Alternatively, upon the request of the Servicer, the Trustee shall execute and
deliver to the Servicer any additional powers of attorney and other documents
prepared by the Servicer that are reasonably necessary or appropriate to enable
the Servicer to carry out its servicing and administrative duties under this
Agreement.
In accordance with the standards of the preceding paragraph, the
Servicer shall advance or cause to be advanced funds as necessary for the
purpose of effecting the payment of taxes and assessments on the Mortgaged
Properties relating to the Mortgage Loans it services, which Servicing Advances
shall be reimbursable in the first instance from related collections from the
Mortgagors pursuant to Section 3.09, and further as provided in Section 3.11.
The costs incurred by the Servicer, if any, in effecting the timely payments of
taxes and assessments on the Mortgaged Properties and related insurance premiums
shall not, for the purpose of calculating monthly distributions to the
Certificateholders, be added to the Stated Principal Balances of the related
Mortgage Loans, notwithstanding that the terms of such Mortgage Loans so permit.
The relationship of the Servicer (and of any successor to the
Servicer as servicer under this Agreement) to the Trustee under this Agreement
is intended by the parties to be that of an independent contractor and not that
of a joint venturer, partner or agent.
Section 3.02 Subservicing; Enforcement of the Obligations of
Servicer. (a) The Servicer may arrange for the subservicing of any Mortgage Loan
it services by a Subservicer pursuant to a Subservicing Agreement; provided,
however, that such subservicing arrangement and the terms of the related
Subservicing Agreement must provide for the servicing of such Mortgage Loan in a
manner consistent with the servicing arrangements contemplated hereunder.
Notwithstanding the provisions of any Subservicing Agreement, any of the
provisions of this Agreement relating to agreements or arrangements between the
Servicer and a Subservicer or reference to actions taken through a Subservicer
or otherwise, the Servicer shall remain obligated and liable to the Depositor,
the Trustee and the Certificateholders for the servicing and administration of
the Mortgage Loans it services in accordance with the provisions of this
Agreement without diminution of such obligation or liability by virtue of such
Subservicing Agreements or arrangements or by virtue of indemnification from the
Subservicer and to the same extent and under the same terms and conditions as if
the Servicer alone were servicing and administering those Mortgage Loans. All
actions of each Subservicer performed pursuant to the related Subservicing
Agreement shall be performed as agent of the Servicer with the same force and
effect as if performed directly by the Servicer.
(b) For purposes of this Agreement, the Servicer shall be deemed to
have received any collections, recoveries or payments with respect to the
Mortgage Loans it services that are received by a Subservicer regardless of
whether such payments are remitted by the Subservicer to the Servicer.
(c) As part of its servicing activities hereunder, the Servicer, for
the benefit of the Trustee and the Certificateholders, shall use its best
reasonable efforts to enforce the obligations of each Subservicer engaged by the
Servicer under the related Subservicing Agreement, to the extent that the
non-performance of any such obligation would have a material and adverse effect
on a Mortgage Loan. Such enforcement, including, without limitation, the legal
prosecution of claims, termination of Subservicing Agreements and the pursuit of
other appropriate remedies, shall be in such form and carried out to such an
extent and at such time as the Servicer, in its good faith business judgment,
would require were it the owner of the related Mortgage Loans. The Servicer
shall pay the costs of such enforcement at its own expense, and shall be
reimbursed therefor only (i) from a general recovery resulting from such
enforcement to the extent, if any, that such recovery exceeds all amounts due in
respect of the related Mortgage Loan or (ii) from a specific recovery of costs,
expenses or attorneys fees against the party against whom such enforcement is
directed.
(d) Any Subservicing Agreement entered into by the Servicer shall
provide that it may be assumed or terminated by the Trustee, if the Trustee has
assumed the duties of the Servicer, or any successor Servicer, at the Trustee's
or successor Servicer's option, as applicable, without cost or obligation to the
assuming or terminating party or the Trust Estate, upon the assumption by such
party of the obligations of the Servicer pursuant to Section 8.05.
(e) Notwithstanding the foregoing, to the extent the Servicer
engages any affiliate or third party vendor, including any Subservicer, in
connection with the performance of any of its duties under this Agreement, the
Servicer shall immediately notify the Depositor in writing of such engagement.
To the extent the Depositor notifies the Servicer and the Trustee that it has
determined that any such affiliate, third party vendor or Subservicer is a
Servicing Function Participant, the Servicer shall cause such Servicing Function
Participant to prepare a separate assessment and attestation report, as
contemplated by Section 3.19 of this Agreement and deliver such report to the
Trustee as set forth in Section 3.22 of this Agreement. In addition, to the
extent the Depositor notifies the Servicer and the Trustee that it has
determined that any such Servicing Function Participant would be a "servicer"
within the meaning of Item 1101 of Regulation AB and meets the criteria in Item
1108(a)(2)(i), (ii) or (iii) of Regulation AB (an "Additional Servicer"), the
Servicer shall cause such Additional Servicer to prepare a separate compliance
statement as contemplated by Section 3.18 of this Agreement and deliver such
statement to the Trustee as set forth in Section 3.22 of this Agreement. In
addition, if the Depositor determines any such Servicing Function Participant
would be a "servicer" within the meaning of Item 1101 of Regulation AB, the
Servicer shall cause such Servicing Function Participant to provide the
Depositor and the Trustee the information required by Section 1108(b) and
1108(c) of Regulation AB within two Business Days following such engagement. To
the extent the Servicer terminates any such Servicing Function Participant that
the Depositor has determined is a "servicer" within the meaning of Item 1101 of
Regulation AB, the Servicer shall provide the Depositor and the Trustee the
information required to enable the Trustee to accurately and timely report such
event under Item 6.02 of Form 8-K (if the Trust's Exchange Act reporting
requirements have not been suspended pursuant to Section 15(d) of the Exchange
Act as set forth in 3.22(g)).
Section 3.03 Fidelity Bond; Errors and Omissions Insurance. The
Servicer shall maintain, at its own expense, a blanket fidelity bond and an
errors and omissions insurance policy, with broad coverage on all officers,
employees or other persons acting in any capacity requiring such persons to
handle funds, money, documents or papers relating to the Mortgage Loans it
services. These policies must insure the Servicer against losses resulting from
dishonest or fraudulent acts committed by the Servicer's personnel, any
employees of outside firms that provide data processing services for the
Servicer, and temporary contract employees or student interns. Such fidelity
bond shall also protect and insure the Servicer against losses in connection
with the release or satisfaction of a Mortgage Loan without having obtained
payment in full of the indebtedness secured thereby. No provision of this
Section 3.03 requiring such fidelity bond and errors and omissions insurance
shall diminish or relieve the Servicer from its duties and obligations as set
forth in this Agreement. The minimum coverage under any such bond and insurance
policy shall be at least equal to the corresponding amounts required by Xxxxxx
Xxx in the Xxxxxx Mae Servicing Guide or by Xxxxxxx Mac in the Xxxxxxx Xxx
Xxxxxxx' & Servicers' Guide, as amended or restated from time to time, or in an
amount as may be permitted to the Servicer by express waiver of Xxxxxx Xxx or
Xxxxxxx Mac.
Section 3.04 Access to Certain Documentation. The Servicer shall
provide to the OCC, the OTS, the FDIC and to comparable regulatory authorities
supervising Holders of Certificates and the examiners and supervisory agents of
the OCC, the OTS, the FDIC and such other authorities, access to the
documentation required by applicable regulations of the OCC, the OTS, the FDIC
and such other authorities with respect to the Mortgage Loans. Such access shall
be afforded upon reasonable and prior written request and during normal business
hours at the offices designated by the Servicer; provided that the Servicer
shall be entitled to be reimbursed by each such Certificateholder for actual
expenses incurred by the Servicer in providing such reports and access. Nothing
in this Section 3.04 shall limit the obligation of the Servicer to observe any
applicable law and the failure of the Servicer to provide access as provided in
this Section 3.04 as a result of such obligation shall not constitute a breach
of this Section 3.04.
Section 3.05 Maintenance of Primary Insurance Policy; Claims;
Collections of BPP Mortgage Loan Payments. (a) With respect to each Mortgage
Loan with a Loan-to-Value Ratio in excess of 80% or such other Loan-to-Value
Ratio as may be required by law, the Servicer shall, without any cost to the
Trust Estate, maintain or cause the Mortgagor to maintain in full force and
effect a Primary Insurance Policy insuring that portion of the Mortgage Loan in
excess of a percentage in conformity with Xxxxxx Mae requirements. The Servicer
shall pay or shall cause the Mortgagor to pay the premium thereon on a timely
basis, at least until the Loan-to-Value Ratio of such Mortgage Loan is reduced
to 80% or such other Loan-to-Value Ratio as may be required by law. If such
Primary Insurance Policy is terminated, the Servicer shall obtain from another
insurer a comparable replacement policy, with a total coverage equal to the
remaining coverage of such terminated Primary Insurance Policy. If the insurer
shall cease to be an insurer acceptable to Xxxxxx Xxx or Xxxxxxx Mac, the
Servicer shall notify the Trustee in writing, it being understood that the
Servicer shall not have any responsibility or liability for any failure to
recover under the Primary Insurance Policy for such reason. If the Servicer
determines that recoveries under the Primary Insurance Policy are jeopardized by
the financial condition of the insurer, the Servicer shall obtain from another
insurer which meets the requirements of this Section 3.05 a replacement
insurance policy. The Servicer shall not take any action that would result in
noncoverage under any applicable Primary Insurance Policy of any loss that, but
for the actions of the Servicer, would have been covered thereunder. In
connection with any assumption or substitution agreement entered into or to be
entered into pursuant to Section 3.13, the Servicer shall promptly notify the
insurer under the related Primary Insurance Policy, if any, of such assumption
or substitution of liability in accordance with the terms of such Primary
Insurance Policy and shall take all actions which may be required by such
insurer as a condition to the continuation of coverage under such Primary
Insurance Policy. If such Primary Insurance Policy is terminated as a result of
such assumption or substitution of liability, the Servicer shall obtain a
replacement Primary Insurance Policy as provided above.
In connection with its activities as servicer, the Servicer agrees
to prepare and present, on behalf of itself, the Trustee and the
Certificateholders, claims to the insurer under any Primary Insurance Policy in
a timely fashion in accordance with the terms of such Primary Insurance Policy
and, in this regard, to take such action as shall be necessary to permit
recovery under any Primary Insurance Policy respecting a defaulted Mortgage
Loan. Pursuant to Section 3.09(a), any amounts collected by the Servicer under
any Primary Insurance Policy shall be deposited in the related Escrow Account,
subject to withdrawal pursuant to Section 3.09(b).
The Servicer will comply with all provisions of applicable state and
federal law relating to the cancellation of, or collection of premiums with
respect to, Primary Mortgage Insurance, including, but not limited to, the
provisions of the Homeowners Protection Act of 1998, and all regulations
promulgated thereunder, as amended from time to time.
(b) The Servicer shall take all actions necessary to collect, on
behalf of the Trust, any BPP Mortgage Loan Payments required to be made to the
Trust pursuant to the Mortgage Loan Purchase Agreement.
Section 3.06 Rights of the Depositor and the Trustee in Respect of
the Servicer. The Depositor may, but is not obligated to, enforce the
obligations of the Servicer hereunder and may, but is not obligated to, perform,
or cause a designee to perform, any defaulted obligation of the Servicer
hereunder and in connection with any such defaulted obligation to exercise the
related rights of the Servicer hereunder; provided that the Servicer shall not
be relieved of any of its obligations hereunder by virtue of such performance by
the Depositor or its designee. Neither the Trustee nor the Depositor shall have
any responsibility or liability for any action or failure to act by the Servicer
nor shall the Trustee or the Depositor be obligated to supervise the performance
of the Servicer hereunder or otherwise.
Any Subservicing Agreement that may be entered into and any
transactions or services relating to the Mortgage Loans involving a Subservicer
in its capacity as such shall be deemed to be between the Subservicer and the
Servicer alone, and the Trustee and Certificateholders shall not be deemed
parties thereto and shall have no claims, rights, obligations, duties or
liabilities with respect to the Subservicer except as set forth in Section 3.07.
The Servicer shall be solely liable for all fees owed by it to any Subservicer,
irrespective of whether the Servicer's compensation pursuant to this Agreement
is sufficient to pay such fees.
Section 3.07 Trustee to Act as Servicer. If the Servicer shall for
any reason no longer be the Servicer hereunder (including by reason of an Event
of Default), the Trustee shall within 90 days of such time, assume, if it so
elects, or shall appoint a successor Servicer to assume, all of the rights and
obligations of the Servicer hereunder arising thereafter (except that the
Trustee shall not be (a) liable for losses of the Servicer pursuant to Section
3.12 or any acts or omissions of the predecessor Servicer hereunder, (b)
obligated to make Advances if it is prohibited from doing so by applicable law
or (c) deemed to have made any representations and warranties of the Servicer
hereunder). Any such assumption shall be subject to Sections 7.02 and 8.05. If
the Servicer shall for any reason no longer be the Servicer (including by reason
of any Event of Default), the Trustee or the successor Servicer may elect to
succeed to any rights and obligations of the Servicer under each Subservicing
Agreement or may terminate each Subservicing Agreement. If it has elected to
assume the Subservicing Agreement, the Trustee or the successor Servicer shall
be deemed to have assumed all of the Servicer's interest therein and to have
replaced the Servicer as a party to any Subservicing Agreement entered into by
the Servicer as contemplated by Section 3.02 to the same extent as if the
Subservicing Agreement had been assigned to the assuming party except that the
Servicer shall not be relieved of any liability or obligations under any such
Subservicing Agreement.
The Servicer that is no longer the Servicer hereunder shall, upon
request of the Trustee, but at the expense of such predecessor Servicer, deliver
to the assuming party all documents and records relating to each Subservicing
Agreement or substitute servicing agreement and the Mortgage Loans then being
serviced thereunder and an accounting of amounts collected or held by it and
otherwise use its best efforts to effect the orderly and efficient transfer of
such substitute Subservicing Agreement to the assuming party. The Trustee shall
be entitled to be reimbursed from the predecessor Servicer (or the Trust if the
predecessor Servicer is unable to fulfill its obligations hereunder) for all
Servicing Transfer Costs.
Section 3.08 Collection of Mortgage Loan Payments; Servicer
Custodial Account; and Certificate Account. (a) Continuously from the date
hereof until the principal and interest on all Mortgage Loans are paid in full,
the Servicer will proceed diligently, in accordance with this Agreement, to
collect all payments due under each of the Mortgage Loans it services when the
same shall become due and payable. Further, the Servicer will in accordance with
all applicable law and Customary Servicing Procedures ascertain and estimate
taxes, assessments, fire and hazard insurance premiums, mortgage insurance
premiums and all other charges with respect to the Mortgage Loans it services
that, as provided in any Mortgage, will become due and payable to the end that
the installments payable by the Mortgagors will be sufficient to pay such
charges as and when they become due and payable. Consistent with the foregoing,
the Servicer may in its discretion (i) waive any late payment charge or any
prepayment charge or penalty interest in connection with the prepayment of a
Mortgage Loan it services and (ii) extend the due dates for payments due on a
Mortgage Note for a period not greater than 120 days; provided, however, that
the Servicer cannot extend the maturity of any such Mortgage Loan past the date
on which the final payment is due on the latest maturing Mortgage Loan as of the
Cut-off Date. In the event of any such arrangement, the Servicer shall make
Periodic Advances on the related Mortgage Loan in accordance with the provisions
of Section 3.20 during the scheduled period in accordance with the amortization
schedule of such Mortgage Loan without modification thereof by reason of such
arrangements. The Servicer shall not be required to institute or join in
litigation with respect to collection of any payment (whether under a Mortgage,
Mortgage Note or otherwise or against any public or governmental authority with
respect to a taking or condemnation) if it reasonably believes that enforcing
the provision of the Mortgage or other instrument pursuant to which such payment
is required is prohibited by applicable law.
(b) The Servicer shall establish and maintain the Servicer Custodial
Account. The Servicer shall deposit or cause to be deposited into the Servicer
Custodial Account, all on a daily basis within one Business Day of receipt,
except as otherwise specifically provided herein, the following payments and
collections remitted by Subservicers or received by the Servicer in respect of
the Mortgage Loans subsequent to the Cut-off Date (other than in respect of
principal and interest due on the Mortgage Loans on or before the Cut-off Date)
and the following amounts required to be deposited hereunder with respect to the
Mortgage Loans it services:
(i) all payments on account of principal of the Mortgage Loans,
including Principal Prepayments;
(ii) all payments on account of interest on the Mortgage Loans, net
of the Servicing Fee;
(iii) (A) all Insurance Proceeds and Liquidation Proceeds, other
than Insurance Proceeds to be (1) applied to the restoration or repair of the
Mortgaged Property, (2) released to the Mortgagor in accordance with Customary
Servicing Procedures or (3) required to be deposited to an Escrow Account
pursuant to Section 3.09(a), and other than any Excess Proceeds and (B) any
Insurance Proceeds released from an Escrow Account pursuant to Section
3.09(b)(iv);
(iv) any amount required to be deposited by the Servicer pursuant to
Section 3.08(d) in connection with any losses on Permitted Investments with
respect to the Servicer Custodial Account;
(v) any amounts required to be deposited by the Servicer pursuant to
Section 3.14;
(vi) all Repurchase Prices, all Substitution Adjustment Amounts and
all Reimbursement Amounts, to the extent received by the Servicer;
(vii) Periodic Advances made by the Servicer pursuant to Section
3.20 and any Compensating Interest;
(viii) any Recoveries;
(ix) any Buy-Down Funds required to be deposited pursuant to Section
3.23; and
(x) any other amounts required to be deposited hereunder.
The foregoing requirements for deposits to the Servicer Custodial
Account by the Servicer shall be exclusive it being understood and agreed that,
without limiting the generality of the foregoing, Ancillary Income need not be
deposited by the Servicer. If the Servicer shall deposit in the Servicer
Custodial Account any amount not required to be deposited, it may at any time
withdraw or direct the institution maintaining the Servicer Custodial Account to
withdraw such amount from the Servicer Custodial Account, any provision herein
to the contrary notwithstanding. The Servicer Custodial Account may contain
funds that belong to one or more trust funds created for mortgage pass-through
certificates of other series and may contain other funds respecting payments on
mortgage loans belonging to the Servicer or serviced by the Servicer on behalf
of others; provided that such commingling of funds shall not be permitted at any
time during which Fitch's senior long-term unsecured debt rating of Bank of
America is below "A." Notwithstanding such commingling of funds, the Servicer
shall keep records that accurately reflect the funds on deposit in the Servicer
Custodial Account that have been identified by it as being attributable to the
Mortgage Loans it services. The Servicer shall maintain adequate records with
respect to all withdrawals made pursuant to this Section 3.08. All funds
required to be deposited in the Servicer Custodial Account shall be held in
trust for the Certificateholders until withdrawn in accordance with Section
3.11.
(c) The Trustee shall establish and maintain, on behalf of the
Certificateholders, the Certificate Account, which shall be deemed to consist of
five sub-accounts. The Trustee shall, promptly upon receipt, deposit in the
Certificate Account and retain therein the following:
(i) the aggregate amount remitted by the Servicer to the Trustee
pursuant to Section 3.11(a)(viii);
(ii) any amount paid by the Trustee pursuant to Section 3.08(d) in
connection with any losses on Permitted Investments with respect to the
Certificate Account; and
(iii) any other amounts deposited hereunder which are required to be
deposited in the Certificate Account.
If the Servicer shall remit any amount not required to be remitted,
it may at any time direct the Trustee to withdraw such amount from the
Certificate Account, any provision herein to the contrary notwithstanding. Such
direction may be accomplished by delivering an Officer's Certificate to the
Trustee which describes the amounts deposited in error in the Certificate
Account. All funds required to be deposited in the Certificate Account shall be
held by the Trustee in trust for the Certificateholders until disbursed in
accordance with this Agreement or withdrawn in accordance with Section 3.11. In
no event shall the Trustee incur liability for withdrawals from the Certificate
Account at the direction of the Servicer.
(d) Each institution at which the Servicer Custodial Account or the
Certificate Account is maintained shall invest the funds therein as directed in
writing by the Servicer, in the case of the Servicer Custodial Account, or the
Trustee, in the case of the Certificate Account, in Permitted Investments, which
shall mature not later than (i) in the case of the Servicer Custodial Account,
the Business Day next preceding the related Remittance Date (except that if such
Permitted Investment is an obligation of the institution that maintains such
account, then such Permitted Investment shall mature not later than such
Remittance Date) and (ii) in the case of the Certificate Account, the Business
Day next preceding the Distribution Date (except that if such Permitted
Investment is an obligation of the institution that maintains such account, then
such Permitted Investment shall mature not later than such Distribution Date)
and, in each case, shall not be sold or disposed of prior to its maturity. All
such Permitted Investments shall be made in the name of the Trustee, for the
benefit of the Certificateholders. All Servicer Custodial Account Reinvestment
Income shall be for the benefit of the Servicer as part of its Servicing
Compensation and shall be retained by it monthly as provided herein. All income
or gain (net of any losses) realized from any such investment of funds on
deposit in the Certificate Account shall be for the benefit of the Trustee as
additional compensation and shall be retained by it monthly as provided herein.
The amount of any losses realized in the Servicer Custodial Account or the
Certificate Account incurred in any such account in respect of any such
investments shall promptly be deposited by the Servicer in the Servicer
Custodial Account or by the Trustee in the Certificate Account, as applicable.
(e) The Servicer shall give notice to the Trustee of any proposed
change of the location of the Servicer Custodial Account maintained by the
Servicer not later than 30 days and not more than 45 days prior to any change
thereof. The Trustee shall give notice to the Servicer, each Rating Agency and
the Depositor of any proposed change of the location of the Certificate Account
not later than 30 days after and not more than 45 days prior to any change
thereof. The creation of the Servicer Custodial Account shall be evidenced by a
certification substantially in the form of Exhibit F hereto. A copy of such
certification shall be furnished to the Trustee.
(f) The Trustee shall designate the Upper-Tier Certificate
Sub-Account as a sub-account of the Certificate Account. On each Distribution
Date (other than the Final Distribution Date, if such Final Distribution Date is
in connection with a purchase of the assets of the Trust Estate by the
Depositor), the Trustee shall, from funds available on deposit in the
Certificate Account, be deemed to deposit into the Upper-Tier Certificate
Sub-Account, the Lower-Tier Distribution Amount.
Section 3.09 Collection of Taxes, Assessments and Similar Items;
Escrow Accounts. (a) To the extent required by the related Mortgage Note and not
violative of current law, the Servicer shall segregate and hold all funds
collected and received pursuant to each Mortgage Loan which constitute Escrow
Payments in trust separate and apart from any of its own funds and general
assets and for such purpose shall establish and maintain one or more escrow
accounts (collectively, the "Escrow Account"), titled "Bank of America, National
Association, in trust for registered holders of Banc of America Alternative Loan
Trust 2006-1 Mortgage Pass-Through Certificates, Series 2006-1 and various
Mortgagors." The Escrow Account shall be established with a commercial bank, a
savings bank or a savings and loan association that meets the guidelines set
forth by Xxxxxx Xxx or Xxxxxxx Mac as an eligible institution for escrow
accounts and which is a member of the Automated Clearing House. In any case, the
Escrow Account shall be insured by the FDIC to the fullest extent permitted by
law. The Servicer shall deposit in the appropriate Escrow Account on a daily
basis, and retain therein: (i) all Escrow Payments collected on account of the
Mortgage Loans, (ii) all amounts representing proceeds of any hazard insurance
policy which are to be applied to the restoration or repair of any related
Mortgaged Property and (iii) all amounts representing proceeds of any Primary
Insurance Policy. Nothing herein shall require the Servicer to compel a
Mortgagor to establish an Escrow Account in violation of applicable law.
(b) Withdrawals of amounts so collected from the Escrow Accounts may
be made by the Servicer only (i) to effect timely payment of taxes, assessments,
mortgage insurance premiums, fire and hazard insurance premiums, condominium or
PUD association dues, or comparable items constituting Escrow Payments for the
related Mortgage, (ii) to reimburse the Servicer out of related Escrow Payments
made with respect to a Mortgage Loan for any Servicing Advance made by the
Servicer pursuant to Section 3.09(c) with respect to such Mortgage Loan, (iii)
to refund to any Mortgagor any sums determined to be overages, (iv) for transfer
to the Servicer Custodial Account upon default of a Mortgagor or in accordance
with the terms of the related Mortgage Loan and if permitted by applicable law,
(v) for application to restore or repair the Mortgaged Property, (vi) to pay to
the Mortgagor, to the extent required by law, any interest paid on the funds
deposited in the Escrow Account, (vii) to pay to itself any interest earned on
funds deposited in the Escrow Account (and not required to be paid to the
Mortgagor), (viii) to the extent permitted under the terms of the related
Mortgage Note and applicable law, to pay late fees with respect to any Monthly
Payment which is received after the applicable grace period, (ix) to withdraw
suspense payments that are deposited into the Escrow Account, (x) to withdraw
any amounts inadvertently deposited in the Escrow Account or (xi) to clear and
terminate the Escrow Account upon the termination of this Agreement in
accordance with Section 10.01. Any Escrow Account shall not be a part of the
Trust Estate.
(c) With respect to each Mortgage Loan, the Servicer shall maintain
accurate records reflecting the status of taxes, assessments and other charges
which are or may become a lien upon the Mortgaged Property and the status of
Primary Insurance Policy premiums and fire and hazard insurance coverage. The
Servicer shall obtain, from time to time, all bills for the payment of such
charges (including renewal premiums) and shall effect payment thereof prior to
the applicable penalty or termination date and at a time appropriate for
securing maximum discounts allowable, employing for such purpose deposits of the
Mortgagor in the Escrow Account, if any, which shall have been estimated and
accumulated by the Servicer in amounts sufficient for such purposes, as allowed
under the terms of the Mortgage. To the extent that a Mortgage does not provide
for Escrow Payments, the Servicer shall determine that any such payments are
made by the Mortgagor. The Servicer assumes full responsibility for the timely
payment of all such bills and shall effect timely payments of all such bills
irrespective of each Mortgagor's faithful performance in the payment of same or
the making of the Escrow Payments. The Servicer shall advance any such payments
that are not timely paid, but the Servicer shall be required so to advance only
to the extent that such Servicing Advances, in the good faith judgment of the
Servicer, will be recoverable by the Servicer out of Insurance Proceeds,
Liquidation Proceeds or otherwise.
Section 3.10 Access to Certain Documentation and Information
Regarding the Mortgage Loans. The Servicer shall afford the Trustee reasonable
access to all records and documentation regarding the Mortgage Loans and all
accounts, insurance information and other matters relating to this Agreement,
such access being afforded without charge, but only upon reasonable request and
during normal business hours at the office designated by the Servicer.
Section 3.11 Permitted Withdrawals from the Servicer Custodial
Account and Certificate Account. (a) The Servicer may from time to time make
withdrawals from the Servicer Custodial Account, for the following purposes:
(i) to pay to the Servicer (to the extent not previously retained),
the Servicing Compensation to which it is entitled pursuant to Section
3.17;
(ii) to reimburse the Servicer for unreimbursed Advances made by it,
such right of reimbursement pursuant to this clause (ii) being limited to
amounts received on the Mortgage Loan(s) (including amounts received in
respect of BPP Mortgage Loan Payments for such Mortgage Loan) in respect
of which any such Advance was made;
(iii) to reimburse the Servicer for any Nonrecoverable Advance
previously made, such right of reimbursement pursuant to this clause (iii)
being limited to amounts received on the Mortgage Loans in the same Loan
Group as the Mortgage Loan(s) in respect of which such Nonrecoverable
Advance was made;
(iv) to reimburse the Servicer for Insured Expenses from the related
Insurance Proceeds;
(v) to pay to the purchaser, with respect to each Mortgage Loan or
REO Property that has been purchased pursuant to Section 2.02 or 2.04, all
amounts received thereon after the date of such purchase;
(vi) to reimburse the Servicer or the Depositor for expenses
incurred by any of them and reimbursable pursuant to Section 7.03;
(vii) to withdraw any amount deposited in the Servicer Custodial
Account and not required to be deposited therein;
(viii) on or prior to the Remittance Date, to withdraw an amount
equal to the related Pool Distribution Amount for such Distribution Date,
to the extent on deposit, and remit such amount in immediately available
funds to the Trustee for deposit in the Certificate Account; and
(ix) to clear and terminate the Servicer Custodial Account upon
termination of this Agreement pursuant to Section 10.01.
The Servicer shall keep and maintain separate accounting, on a
Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any
withdrawal from the Servicer Custodial Account pursuant to clauses (i), (ii),
(iv) and (v). The Servicer shall keep and maintain such separate accounting for
each Loan Group. Prior to making any withdrawal from the Servicer Custodial
Account pursuant to clause (iii), the Servicer shall deliver to the Trustee an
Officer's Certificate of a Servicing Officer indicating the amount of any
previous Advance determined by the Servicer to be a Nonrecoverable Advance and
identifying the related Mortgage Loan(s) and their respective portions of such
Nonrecoverable Advance. The Servicer shall notify the Depositor and the Trustee
of the amount, purpose and party paid pursuant to clause (vi) above.
(b) The Trustee shall be deemed to withdraw funds from the
applicable Certificate Account sub-accounts for distributions to
Certificateholders in the manner specified in this Agreement. In addition, the
Trustee may from time to time make withdrawals from the Certificate Account for
the following purposes:
(i) to pay to itself the Trustee Fee;
(ii) to pay to itself as additional compensation earnings on or
investment income with respect to funds in the Certificate Account and any
other amounts (other than the Trustee Fee) due to it under this Agreement
for the related Distribution Date;
(iii) to withdraw and return to the Servicer any amount deposited in
the Certificate Account and not required to be deposited therein; and
(iv) to clear and terminate the Certificate Account upon termination
of this Agreement pursuant to Section 10.01.
The Trustee shall notify the Depositor and the Servicer of the
amount and purpose of any payments made pursuant to clause (ii) above (other
than any earnings or investment income with respect to funds in the Certificate
Account).
(c) On each Distribution Date, funds on deposit in the Certificate
Account and deemed to be on deposit in the Upper-Tier Certificate Sub-Account
shall be used to make payments on the Regular Certificates, the Class CB-IO
Certificates, the Class CB-PO Certificates and the Class 1-CB-R Certificate (in
respect of the Class R-U Interest) as provided in Sections 5.01 and 5.02. The
Certificate Account shall be cleared and terminated upon termination of this
Agreement pursuant to Section 10.01.
Section 3.12 Maintenance of Hazard Insurance. The Servicer shall
cause to be maintained for each Mortgage Loan, fire and hazard insurance with
extended coverage customary in the area where the Mortgaged Property is located
in an amount which is at least equal to the lesser of (a) the full insurable
value of the Mortgaged Property or (b) the greater of (i) the outstanding
principal balance owing on the Mortgage Loan and (ii) an amount such that the
proceeds of such insurance shall be sufficient to avoid the application to the
Mortgagor or loss payee of any coinsurance clause under the policy. If the
Mortgaged Property is in an area identified in the Federal Register by the
Federal Emergency Management Agency as having special flood hazards (and such
flood insurance has been made available) the Servicer will cause to be
maintained a flood insurance policy meeting the requirements of the current
guidelines of the Federal Insurance Administration and the requirements of
Xxxxxx Xxx or Xxxxxxx Mac. The Servicer shall also maintain on 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, flood insurance
in an amount required above. Any amounts collected by the Servicer under any
such policies (other than amounts to be deposited in an Escrow Account and
applied to the restoration or repair of the property subject to the related
Mortgage or property acquired in liquidation of the Mortgage Loan, or to be
released to the Mortgagor in accordance with Customary Servicing Procedures)
shall be deposited in the Servicer Custodial Account, subject to withdrawal
pursuant to Section 3.11(a). It is understood and agreed that no earthquake or
other additional insurance need be required by the Servicer of any Mortgagor or
maintained on REO Property, other than pursuant to such applicable laws and
regulations as shall at any time be in force and as shall require such
additional insurance. All policies required hereunder shall be endorsed with
standard mortgagee clauses with loss payable to the Servicer, and shall provide
for at least 30 days' prior written notice of any cancellation, reduction in
amount or material change in coverage to the Servicer.
The hazard insurance policies for each Mortgage Loan secured by a
unit in a condominium development or planned unit development shall be
maintained with respect to such Mortgage Loan and the related development in a
manner which is consistent with Xxxxxx Mae requirements.
Notwithstanding the foregoing, the Servicer may maintain a blanket
policy insuring against hazard losses on all of the Mortgaged Properties
relating to the Mortgage Loans in lieu of maintaining the required hazard
insurance policies for each Mortgage Loan and may maintain a blanket policy
insuring against special flood hazards in lieu of maintaining any required flood
insurance. Any such blanket policies shall (A) be consistent with prudent
industry standards, (B) name the Servicer as loss payee, (C) provide coverage in
an amount equal to the aggregate unpaid principal balance on the related
Mortgage Loans without co-insurance, and (D) otherwise comply with the
requirements of this Section 3.12. Any such blanket policy may contain a
deductible clause; provided that if any Mortgaged Property is not covered by a
separate policy otherwise complying with this Section 3.12 and a loss occurs
with respect to such Mortgaged Property which loss would have been covered by
such a policy, the Servicer shall deposit in the Servicer Custodial Account the
difference, if any, between the amount that would have been payable under a
separate policy complying with this Section 3.12 and the amount paid under such
blanket policy.
Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption
Agreements. (a) Except as otherwise provided in this Section 3.13, when any
Mortgaged Property subject to a Mortgage has been conveyed by the Mortgagor, the
Servicer shall use reasonable efforts, to the extent that it has actual
knowledge of such conveyance, to enforce any due-on-sale clause contained in any
Mortgage Note or Mortgage, to the extent permitted under applicable law and
governmental regulations, but only to the extent that such enforcement will not
adversely affect or jeopardize coverage under any Required Insurance Policy.
Notwithstanding the foregoing, the 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 required under such Mortgage Note or Mortgage as a condition to such
transfer. If (i) the Servicer is prohibited by law from enforcing any such
due-on-sale clause, (ii) coverage under any Required Insurance Policy would be
adversely affected, (iii) the Mortgage Note does not include a due-on-sale
clause or (iv) nonenforcement is otherwise permitted hereunder, the Servicer is
authorized, subject to Section 3.13(b), to take or enter into an assumption and
modification agreement from or with the Person to whom such Mortgaged 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 Required Insurance Policies. The Servicer, subject to Section
3.13(b), is also authorized with the prior approval of the insurers under any
Required Insurance Policies to enter into a substitution of liability agreement
with such Person, pursuant to which the original Mortgagor is released from
liability and such Person is substituted as Mortgagor and becomes liable under
the Mortgage Note. Notwithstanding the foregoing, the Servicer shall not be
deemed to be in default under this Section 3.13 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 3.13(a), in any case in which a Mortgaged
Property has been conveyed to a Person by a Mortgagor, and such Person is to
enter into an assumption agreement or modification agreement or supplement to
the Mortgage Note or Mortgage or if an instrument of release is required
releasing the Mortgagor from liability on the Mortgage Loan, the Servicer shall
prepare and execute the assumption agreement with the Person to whom the
Mortgaged Property is to be conveyed and such modification agreement or
supplement to the Mortgage Note or Mortgage or other instruments as are
reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any applicable laws regarding assumptions or the
transfer of the Mortgaged Property to such Person. In connection with any such
assumption, no material term of the Mortgage Note may be changed. In addition,
the substitute Mortgagor and the Mortgaged Property must be acceptable to the
Servicer in accordance with its underwriting standards as then in effect.
Together with each such substitution, assumption or other agreement or
instrument, the Servicer shall execute an Officer's Certificate signed by a
Servicing Officer stating that the requirements of this subsection have been
met. The Servicer shall notify the Trustee that any such substitution or
assumption agreement has been completed by forwarding to the Trustee (or at the
direction of the Trustee, the Custodian) the Officer's Certificate described in
the previous sentence and the original of such substitution or assumption
agreement, which in the case of the original shall be added to the related
Mortgage File and shall, for all purposes, be considered a part of such Mortgage
File to the same extent as all other documents and instruments constituting a
part thereof. Any fee collected by the Servicer for entering into an assumption
or substitution of liability agreement may be retained by the Servicer as
additional Servicing Compensation.
Section 3.14 Realization Upon Defaulted Mortgage Loans; REO
Property. Subject to Section 3.21, the Servicer shall use reasonable efforts 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. In connection with such foreclosure or other conversion,
the Servicer shall follow Customary Servicing Procedures and shall meet the
requirements of the insurer under any Required Insurance Policy; provided,
however, that the Servicer may enter into a special servicing agreement with an
unaffiliated Holder of 100% Percentage Interest of a Class of Class B
Certificates or a holder of a class of securities representing interests in the
Class B Certificates alone or together with other subordinated mortgage
pass-through certificates. Such agreement shall be substantially in the form
attached hereto as Exhibit K or subject to each Rating Agency's acknowledgment
that the ratings of the Certificates in effect immediately prior to the entering
into such agreement would not be qualified, downgraded or withdrawn and the
Certificates would not be placed on credit review status (except for possible
upgrading) as a result of such agreement. Any such agreement may contain
provisions whereby such holder may instruct the Servicer to commence or delay
foreclosure proceedings with respect to delinquent Mortgage Loans and will
contain provisions for the deposit of cash by the holder that would be available
for distribution to Certificateholders if Liquidation Proceeds are less than
they otherwise may have been had the Servicer acted in accordance with its
normal procedures. Notwithstanding the foregoing, the Servicer shall not be
required to expend its own funds in connection with any foreclosure or towards
the restoration of any Mortgaged Property unless it shall determine (i) that
such restoration and/or foreclosure will increase the proceeds of liquidation of
the Mortgage Loan after reimbursement to itself of such expenses and (ii) that
such expenses will be recoverable to it through proceeds of the liquidation of
the Mortgage Loan (respecting which it shall have priority for purposes of
withdrawals from the Servicer Custodial Account). Any such expenditures shall
constitute Servicing Advances for purposes of this Agreement.
With respect to any REO Property, the deed or certificate of sale
shall be taken in the name of the Trustee for the benefit of the
Certificateholders, or its nominee, on behalf of the Certificateholders. The
Trustee's name shall be placed on the title to such REO Property solely as the
Trustee hereunder and not in its individual capacity. The Servicer shall ensure
that the title to such REO Property references this Agreement and the Trustee's
capacity hereunder. Pursuant to its efforts to sell such REO Property, the
Servicer shall either itself or through an agent selected by the Servicer
manage, conserve, protect and operate such REO Property in the same manner that
it manages, conserves, protects and operates other foreclosed property for its
own account and in the same manner that similar property in the same locality as
the REO Property is managed. Incident to its conservation and protection of the
interests of the Certificateholders, the Servicer may rent the same, or any part
thereof, as the Servicer deems to be in the best interest of the
Certificateholders for the period prior to the sale of such REO Property. The
Servicer shall prepare for and deliver to the Trustee a statement with respect
to each REO Property that has been rented, if any, showing the aggregate rental
income received and all expenses incurred in connection with the management and
maintenance of such REO Property at such times as is necessary to enable the
Trustee to comply with the reporting requirements of the REMIC Provisions;
provided, however, that the Servicer shall have no duty to rent any REO Property
on behalf of the Trust. The net monthly rental income, if any, from such REO
Property shall be deposited in the Servicer Custodial Account no later than the
close of business on each Determination Date. The Servicer shall perform, with
respect to the Mortgage Loans, the tax reporting and withholding required by
Sections 1445 and 6050J of the Code with respect to foreclosures and
abandonments, the tax reporting required by Section 6050H of the Code with
respect to the receipt of mortgage interest from individuals and, if required by
Section 6050P of the Code with respect to the cancellation of indebtedness by
certain financial entities, by preparing such tax and information returns as may
be required, in the form required.
If the Trust acquires any Mortgaged Property as described above or
otherwise in connection with a default or a default which is reasonably
foreseeable on a Mortgage Loan, the Servicer shall dispose of such Mortgaged
Property prior to the end of the third calendar year following the year of its
acquisition by the Trust (such period, the "REO Disposition Period") unless (A)
the Trustee shall have been supplied by the Servicer with an Opinion of Counsel
to the effect that the holding by the Trust of such Mortgaged Property
subsequent to the REO Disposition Period will not result in the imposition of
taxes on "prohibited transactions" (as defined in Section 860F of the Code) on
either of the Upper-Tier REMIC or the Lower-Tier REMIC or cause either REMIC
created hereunder to fail to qualify as a REMIC at any time that any
Certificates are outstanding, or (B) the Trustee (at the Servicer's expense) or
the Servicer shall have applied for, prior to the expiration of the REO
Disposition Period, an extension of the REO Disposition Period in the manner
contemplated by Section 856(e)(3) of the Code. If such an Opinion of Counsel is
provided or such an exemption is obtained, the Trust may continue to hold such
Mortgaged Property (subject to any conditions contained in such Opinion of
Counsel) for the applicable period. Notwithstanding any other provision of this
Agreement, no Mortgaged Property acquired by the Trust shall be rented (or
allowed to continue to be rented) or otherwise used for the production of income
by or on behalf of the Trust in such a manner or pursuant to any terms that
would (i) cause such Mortgaged Property to fail to qualify as "foreclosure
property" within the meaning of Section 860G(a)(8) of the Code or (ii) subject
either REMIC created hereunder to the imposition of any federal, state or local
income taxes on the income earned from such Mortgaged Property under Section
860G(c) of the Code or otherwise, unless the Servicer has agreed to indemnify
and hold harmless the Trust with respect to the imposition of any such taxes.
The Servicer shall identify to the Trustee any Mortgaged Property relating to a
Mortgage Loan held by the Trust for 30 months for which no plans to dispose of
such Mortgaged Property by the Servicer have been made. After delivery of such
identification, the Servicer shall proceed to dispose of any such Mortgaged
Property by holding a commercially reasonable auction for such property.
The income earned from the management of any REO Properties, net of
reimbursement to the Servicer for expenses incurred (including any property or
other taxes) in connection with such management and net of unreimbursed
Servicing Fees, Periodic Advances and Servicing Advances, shall be applied to
the payment of principal of and interest on the related defaulted Mortgage Loans
(solely for the purposes of allocating principal and interest, interest shall be
treated as accruing as though such Mortgage Loans were still current) and all
such income shall be deemed, for all purposes in this Agreement, to be payments
on account of principal and interest on the related Mortgage Notes and shall be
deposited into the Servicer Custodial Account. 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 Interest Rate
on the related Mortgage Loan for such calendar month, such excess shall be
considered to be a partial prepayment of principal of the related Mortgage Loan.
The proceeds from any liquidation of a Mortgage Loan, as well as any
income from an REO Property, will be applied in the following order of priority:
first, to reimburse the Servicer for any related unreimbursed Servicing Advances
and Servicing Fees; second, to reimburse the Servicer for any unreimbursed
Periodic Advances and to reimburse the Servicer Custodial Account for any
Nonrecoverable Advances (or portions thereof) that were previously withdrawn by
the Servicer pursuant to Section 3.11(a)(iii) that related to such Mortgage
Loan; third, to accrued and unpaid interest (to the extent no Periodic Advance
has been made for such amount or any such Periodic Advance has been reimbursed)
on the Mortgage Loan or related REO Property, at the Mortgage Interest Rate to
the Due Date occurring in the month in which such amounts are required to be
distributed; and fourth, as a recovery of principal of the Mortgage Loan. Excess
Proceeds, if any, from the liquidation of a Liquidated Mortgage Loan will be
retained by the Servicer as additional Servicing Compensation pursuant to
Section 3.17.
Section 3.15 Trustee to Cooperate; Release of Mortgage Files. Upon
the payment in full of any Mortgage Loan, or the receipt by the Servicer of a
notification that payment in full will be escrowed in a manner customary for
such purposes, the Servicer will immediately notify the Trustee (or, at the
direction of the Trustee, the Custodian) by delivering, or causing to be
delivered, two copies (one of which will be returned to the Servicer with the
Mortgage File) of a Request for Release (which may be delivered in an electronic
format acceptable to the Trustee and the Servicer). Upon receipt of such
request, the Trustee or the Custodian, as applicable, shall within seven
Business Days release the related Mortgage File to the Servicer. The Trustee
shall deliver to the Servicer the Mortgage Note with written evidence of
cancellation thereon. If the Mortgage has been recorded in the name of MERS or
its designee, the Servicer shall take all necessary action to reflect the
release of the Mortgage on the records of MERS. Expenses incurred in connection
with any instrument of satisfaction or deed of reconveyance shall be chargeable
to the related Mortgagor. From time to time and as shall be appropriate for the
servicing or foreclosure of any Mortgage Loan, including for such purpose
collection under any policy of flood insurance, any fidelity bond or errors or
omissions policy, or for the purposes of effecting a partial release of any
Mortgaged Property from the lien of the Mortgage or the making of any
corrections to the Mortgage Note or the Mortgage or any of the other documents
included in the Mortgage File, the Trustee or the Custodian, as applicable,
shall, upon delivery to the Trustee (or, at the direction of the Trustee, the
Custodian) of a Request for Release signed by a Servicing Officer, release the
Mortgage File within seven Business Days to the Servicer. Subject to the further
limitations set forth below, the Servicer shall cause the Mortgage File so
released to be returned to the Trustee or the Custodian, as applicable, when the
need therefor by the Servicer no longer exists, unless the Mortgage Loan is
liquidated and the proceeds thereof are deposited in the Servicer Custodial
Account, in which case the Servicer shall deliver to the Trustee or the
Custodian, as applicable, a Request for Release, signed by a Servicing Officer.
Upon prepayment in full of any Mortgage Loan or the receipt of
notice that funds for such purpose have been placed in escrow, the Servicer
shall give an instrument of satisfaction (or Assignment of Mortgage without
recourse) regarding the Mortgaged Property relating to such Mortgage Loan, which
instrument of satisfaction or Assignment of Mortgage, as the case may be, shall
be delivered to the Person entitled thereto against receipt of the prepayment in
full. If the Mortgage is registered in the name of MERS or its designee, the
Servicer shall take all necessary action to reflect the release on the records
of MERS. In lieu of executing such satisfaction or Assignment of Mortgage, or if
another document is required to be executed by the Trustee, the Servicer may
deliver or cause to be delivered to the Trustee, for signature, as appropriate,
any court pleadings, requests for trustee's sale or other documents necessary to
effectuate such foreclosure or any legal action brought to obtain judgment
against the Mortgagor on the Mortgage Note or the Mortgage or to obtain a
deficiency judgment or to enforce any other remedies or rights provided by the
Mortgage Note or the Mortgage or otherwise available at law or in equity.
Section 3.16 Documents, Records and Funds in Possession of the
Servicer to Be Held for the Trustee. The Servicer shall transmit to the Trustee
or, at the direction of the Trustee, the Custodian as required by this Agreement
all documents and instruments in respect of a Mortgage Loan coming into the
possession of the Servicer from time to time and shall account fully to the
Trustee for any funds received by the Servicer or which otherwise are collected
by the Servicer as Liquidation Proceeds or Insurance Proceeds in respect of any
Mortgage Loan. The documents constituting the Servicing File shall be held by
the Servicer as custodian and bailee for the Trustee. 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, including but not limited to, any funds
on deposit in the Servicer Custodial Account, shall be held by the Servicer for
and on behalf of the Trustee and shall be and remain the sole and exclusive
property of the Trustee, subject to the applicable provisions of this Agreement.
The Servicer also agrees that it shall not knowingly create, incur or subject
any Mortgage File or any funds that are deposited in the Servicer Custodial
Account, Certificate Account or any Escrow Account, or any funds that otherwise
are or may become due or payable to the Trustee for the benefit of the
Certificateholders, to any claim, lien, security interest, judgment, levy, writ
of attachment or other encumbrance created by the Servicer, or assert by legal
action or otherwise any claim or right of setoff against any Mortgage File or
any funds collected on, or in connection with, a Mortgage Loan, except, however,
that the Servicer shall be entitled to set off against and deduct from any such
funds any amounts that are properly due and payable to the Servicer under this
Agreement.
Section 3.17 Servicing Compensation. The Servicer shall be entitled
out of each payment of interest on a Mortgage Loan (or portion thereof) and
included in the Trust Estate to retain or withdraw from the Servicer Custodial
Account an amount equal to the Servicing Fee for such Distribution Date;
provided, however, that the aggregate Servicing Fee for the Servicer relating to
the Mortgage Loans shall be reduced (but not below zero) by an amount equal to
the Compensating Interest.
Any additional Servicing Compensation shall be retained by the
Servicer to the extent not required to be deposited in the Servicer Custodial
Account pursuant to Section 3.08(b). The Servicer shall be required to pay all
expenses incurred by it in connection with its servicing activities hereunder
and shall not be entitled to reimbursement therefor except as specifically
provided in this Agreement.
Section 3.18 Annual Statement as to Compliance. The Trustee and the
Servicer shall deliver, and the Servicer shall cause each Additional Servicer
engaged by it to deliver, in electronic form to the Depositor, the Trustee and
each Rating Agency on or before March 5 of each year or if such day is not a
Business Day, the next Business Day (with a 10 calendar day cure period, but in
no event later than March 15), followed by a hard copy within 10 calendar days,
commencing in March 2007, a certificate in the form required by Item 1123 of
Regulation AB, to the effect that (i) an authorized officer of the Trustee, the
Servicer or the Additional Servicer, as the case may be, has reviewed (or a
review has been made under his or her supervision of) such party's activities
under this Agreement or such other applicable agreement in the case of an
Additional Servicer, during the prior calendar year or portion thereof and (ii)
to the best of such officer's knowledge, based on such review, such party has
fulfilled all of its obligations under this Agreement, or such other applicable
agreement in the case of an Additional Servicer, in all material respects
throughout the prior calendar year or portion thereof 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 thereof. Promptly
after receipt of each such certificate, the Depositor shall review such
certificate and, if applicable, consult with the Servicer and the Trustee as to
the nature of any failure to fulfill any obligation under the Agreement, or such
other applicable agreement in the case of an Additional Servicer, in any
material respect.
Section 3.19 Assessments of Servicing Compliance; Registered Public
Accounting Firm Attestation Reports. (a) Each of the Servicer and the Trustee,
at its own expense, shall furnish, and shall cause any Servicing Function
Participant engaged by it to furnish, at such party's expense, to the Trustee
and the Depositor in electronic form, not later than March 5 of each year or if
such day is not a Business Day, the next Business Day (with a 10 calendar day
cure period, but in no event later than March 15), followed by a hard copy
within 10 calendar days, commencing in March 2007, a report on an assessment of
compliance with the Servicing Criteria applicable to it that contains (A) a
statement by such party of its responsibility for assessing compliance with the
Servicing Criteria applicable to it, (B) a statement that such party used the
Servicing Criteria to assess compliance with the Servicing Criteria applicable
to it, (C) such party's assessment of compliance with the Servicing Criteria
applicable to it as of and for the fiscal year covered by the Form 10-K required
to be filed pursuant to Section 3.22, including, if there has been any material
instance of noncompliance with the Servicing Criteria applicable to it, a
discussion of each such failure and the nature and status thereof, and (D) a
statement that a registered public accounting firm has issued an attestation
report on such party's assessment of compliance with the Servicing Criteria
applicable to such party as of and for such period.
Each such assessment of compliance report shall be addressed to the
Depositor and the Servicer and signed by an authorized officer of the applicable
party, and shall address each of the Relevant Servicing Criteria set forth on
Exhibit Q hereto, or as set forth in the notification furnished to the Depositor
and the Trustee pursuant to Section 3.19(c). The Servicer and the Trustee hereby
acknowledge and agree that their respective assessments of compliance will cover
the items identified on Exhibit Q hereto as being covered by such party. The
parties to this Agreement acknowledge that where a particular Servicing
Criterion has multiple components, each party's assessment of compliance (and
related attestation of compliance) will relate only to those components that are
applicable to such party. Promptly after receipt of each such report on
assessment of compliance, the Depositor shall review each such report and, if
applicable, consult with the Servicer or the Trustee as to the nature of any
material instance of noncompliance with the Servicing Criteria applicable to it
(or any Servicing Function Participant engaged or utilized by the Servicer or
the Trustee, as applicable).
(b) Each of the Servicer and the Trustee, at its own expense, shall
cause, and shall cause any Servicing Function Participant engaged by it, at such
party's expense, to cause, not later than March 5 of each year or if such day is
not a Business Day, the next Business Day (with a 10 calendar day cure period),
commencing in March 2007, a registered public accounting firm (which may also
render other services to the Servicer, the Trustee, or such other Servicing
Function Participants, as the case may be) and that is a member of the American
Institute of Certified Public Accountants to furnish electronically a report to
the Trustee and the Depositor (with a hard copy to follow within 10 calendar
days), to the effect that (i) it has obtained a representation regarding certain
matters from the management of such party, which includes an assertion that such
party has complied with the Servicing Criteria applicable to it, and (ii) on the
basis of an examination conducted by such firm in accordance with standards for
attestation engagements issued or adopted by the Public Company Accounting
Oversight Board, it is expressing an opinion as to whether such party's
assessment of compliance with the Servicing Criteria was fairly stated in all
material respects, or it cannot express an overall opinion regarding such
party's assessment of compliance with the Servicing Criteria. In the event that
an overall opinion cannot be expressed, such registered public accounting firm
shall state in such report why it was unable to express such an opinion. Such
report must be available for general use and not contain restricted use
language.
Promptly after receipt of each such accountants' attestation report,
the Depositor shall review the report and, if applicable, consult with the
Servicer or the Trustee if such report (i) states that a party's assessment of
compliance was not fairly stated in any material respect or (ii) is unable to
state an overall opinion.
(c) No later than 30 days following the end of each fiscal year for
the Trust for which a Form 10-K is required to be filed, (i) the Servicer shall
forward to the Trustee and Depositor the name of each Servicing Function
Participant engaged by it and what Servicing Criteria will be addressed in the
report on assessment of compliance prepared by such Servicing Function
Participant and (ii) the Trustee shall forward to the Depositor the name of each
Servicing Function Participant engaged by it and what Servicing Criteria will be
addressed in the report on assessment of compliance prepared by such Servicing
Function Participant, in each case to the extent of any change from the prior
year's notice, if any.
(d) Beginning with fiscal year 2008 and thereafter, none of the
Servicer, the Trustee or any Servicing Function Participant engaged by such
parties shall be required to deliver or cause the delivery of any such
assessments or attestation reports until April 15 unless such party has received
written notice from the Depositor that a Form 10-K is required to be filed in
respect of the Trust for the preceding fiscal year.
Section 3.20 Advances. The Servicer shall determine on or before
each Servicer Advance Date whether it is required to make a Periodic Advance
pursuant to the definition thereof. If the Servicer determines it is required to
make a Periodic Advance, it shall, on or before the Servicer Advance Date,
either (a) deposit into the Servicer Custodial Account an amount equal to the
Advance and/or (b) make an appropriate entry in its records relating to the
Servicer Custodial Account that any portion of the Amount Held for Future
Distribution with respect to a Loan Group in the Servicer Custodial Account has
been used by the Servicer in discharge of its obligation to make any such
Periodic Advance on a Mortgage Loan in such Loan Group. Any funds so applied
shall be replaced by the Servicer by deposit in the Servicer Custodial Account
no later than the close of business on the Business Day preceding the next
Servicer Advance Date. The Servicer shall be entitled to be reimbursed from the
Servicer Custodial Account for all Advances of its own funds made pursuant to
this Section 3.20 as provided in Section 3.11(a). The obligation to make
Periodic Advances with respect to any Mortgage Loan shall continue until the
ultimate disposition of the REO Property or Mortgaged Property relating to such
Mortgage Loan. The Servicer shall inform the Trustee of the amount of the
Periodic Advance to be made by the Servicer with respect to each Loan Group on
each Servicer Advance Date no later than the related Remittance Date.
The Servicer shall deliver to the Trustee on the related Servicer
Advance Date an Officer's Certificate of a Servicing Officer indicating the
amount of any proposed Periodic Advance determined by the Servicer to be a
Nonrecoverable Advance. Notwithstanding anything to the contrary, the Servicer
shall not be required to make any Periodic Advance or Servicing Advance that
would be a Nonrecoverable Advance.
Section 3.21 Modifications, Waivers, Amendments and Consents.
(a)Subject to this Section 3.21, the Servicer may agree to any modification,
waiver, forbearance, or amendment of any term of any Mortgage Loan without the
consent of the Trustee or any Certificateholder. All modifications, waivers,
forbearances or amendments of any Mortgage Loan shall be in writing and shall be
consistent with Customary Servicing Procedures.
(b) The Servicer shall not agree to enter into, and shall not enter
into, any modification, waiver (other than a waiver referred to in Section 3.13,
which waiver, if any, shall be governed by Section 3.13), forbearance or
amendment of any term of any Mortgage Loan if such modification, waiver,
forbearance, or amendment would:
(i) forgive principal owing under such Mortgage Loan or permanently
reduce the interest rate on such Mortgage Loan;
(ii) affect the amount or timing of any related payment of
principal, interest or other amount payable thereunder;
(iii) in the Servicer's judgment, materially impair the security for
such Mortgage Loan or reduce the likelihood of timely payment of amounts
due thereon; or
(iv) otherwise constitute a "significant modification" within the
meaning of Treasury Regulations Section 1.860G-2(b);
unless, in the case of clauses (ii) through (iv) above, (A) such Mortgage Loan
is 90 days or more past due or (B) the Servicer delivers to the Trustee an
Opinion of Counsel to the effect that such modification, waiver, forbearance or
amendment would not affect the REMIC status of either of the Upper-Tier REMIC or
the Lower-Tier REMIC. Notwithstanding the foregoing, no Opinion of Counsel need
be delivered if the purpose of the modification is to reduce the Monthly Payment
on a Mortgage Loan as a result of a partial Principal Prepayment; provided that
the Mortgage Loan is fully amortized by its original maturity date. Subject to
Customary Servicing Procedures, the Servicer may permit a forbearance for a
Mortgage Loan which in the Servicer's judgment is subject to imminent default.
(c) The Servicer may, as a condition to granting any request by a
Mortgagor for consent, modification, waiver, forbearance or amendment, the
granting of which is within the Servicer's discretion pursuant to the Mortgage
Loan and is permitted by the terms of this Agreement, require that such
Mortgagor pay to the Servicer, as additional Servicing Compensation, a
reasonable or customary fee for the additional services performed in connection
with such request, together with any related costs and expenses incurred by the
Servicer, which amount shall be retained by the Servicer as additional Servicing
Compensation.
(d) The Servicer shall notify the Depositor and the Trustee, in
writing, of any modification, waiver, forbearance or amendment of any term of
any Mortgage Loan and the date thereof, and shall deliver to the Trustee (or, at
the direction of the Trustee, the Custodian) for deposit in the related Mortgage
File, an original counterpart of the agreement relating to such modification,
waiver, forbearance or amendment, promptly (and in any event within ten Business
Days) following the execution thereof; provided, however, that if any such
modification, waiver, forbearance or amendment is required by applicable law to
be recorded, the Servicer (i) shall deliver to the Trustee a copy thereof and
(ii) shall deliver to the Trustee such document, with evidence of notification
upon receipt thereof from the public recording office.
Section 3.22 Reports to the Securities and Exchange Commission. (a)
The Trustee and the Servicer shall reasonably cooperate with the Depositor to
enable the Depositor to satisfy its reporting requirements under the Exchange
Act and the parties hereto shall reasonably cooperate to enable the Securities
and Exchange Commission requirements with respect to the Depositor to be met in
the event that the Securities and Exchange Commission issues additional
interpretive guidelines or promulgates rules or regulations, or in the event of
any other change of law that would require reporting arrangements or the
allocation of responsibilities with respect thereto, as described in this
Section 3.22, to be conducted or allocated in a different manner. Without
limiting the generality of the foregoing, the Trustee shall prepare on behalf of
the Depositor any Current Reports on Form 8-K (each, a "Form 8-K"), Distribution
Reports on Form 10-D (each, a "Form 10-D") and Annual Reports on Form 10-K
(each, a "Form 10-K") as required by the Exchange Act and the rules and
regulations of the Securities and Exchange Commission thereunder, the Servicer
shall sign and the Trustee shall file (via the Securities and Exchange
Commission's Electronic Data Gathering and Retrieval System) such forms on
behalf of the Depositor. Notwithstanding the foregoing, the Depositor shall file
the Form 8-Ks in connection with the issuance of the Certificates.
(b) Each Form 10-D shall be filed by the Trustee within 15 days
after each Distribution Date and will include a copy of the monthly statement to
Certificateholders delivered pursuant to Section 5.04(b) (each, a "Distribution
Date Statement") for such Distribution Date as an exhibit thereto. In addition,
the Trustee shall include under Item 1 of each Form 10-D any information
required by Item 1121 of Regulation AB to the extent relevant that is not
included on the Distribution Date Statement. Any disclosure in addition to the
Distribution Date Statement and any other information required by Item 1121 of
Regulation AB ("Additional Form 10-D Information") shall be determined by the
party preparing such information as set forth on Exhibit R-1 hereto and the
Trustee shall compile such disclosure pursuant to the following paragraph. The
Trustee will have no duty or liability for any failure hereunder to determine or
prepare any Additional Form 10-D Information, except to the extent of its
obligations as set forth in the next paragraph.
As set forth on Exhibit R-1 hereto, within 5 calendar days after the
related Distribution Date, certain parties hereto shall be required to provide
to the Depositor and the Trustee, to the extent known by such parties, any
Additional Form 10-D Information, if applicable. The Depositor will be
responsible for all reasonable fees and expenses assessed or incurred by the
Trustee in connection with including any Additional Form 10-D Information on
Form 10-D pursuant to this paragraph, including converting any such disclosure
to an XXXXX-compatible format.
After preparing the Form 10-D, the Trustee shall forward
electronically a draft copy of the Form 10-D to the Depositor and the Servicer
for review. No later than 2 Business Days prior to the 15th calendar day after
the related Distribution Date, the Depositor and Servicer shall each indicate to
the Trustee their consent to the form and substance of the draft Form 10-D
(which consent may be in electronic form). 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 3.22(e). Promptly (but no later than
one Business Day) after filing with the Securities and Exchange Commission, the
Trustee will make available on its internet website a final executed copy of
each Form 10-D. 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 and/or timely file such Form 10-D, where such failure results from the
Trustee's inability or failure to obtain or receive, on a timely basis, any
information from any party hereto (other than the Trustee or any Servicing
Function Participant utilized by the Trustee) needed to prepare, arrange for
execution or file such Form 10-D, not resulting from its own negligence, bad
faith or willful misconduct.
(c) On or before 90 days after the end of each fiscal year of the
Trust (or such earlier date as may be required by the Exchange Act and the rules
and regulations of the Securities and Exchange Commission) commencing in 2007,
the Trustee shall file a Form 10-K, in form and substance as required by
applicable law or applicable Securities and Exchange Commission staff
interpretations. 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
time frames set forth in this Agreement: (i) an annual compliance statement for
the Trustee, the Servicer and each Additional Servicer, as described under
Section 3.18, (ii)(A) the annual reports on assessment of compliance with
Servicing Criteria for the Servicer, the Trustee and each Servicing Function
Participant, as described under Section 3.19, and (B) if the Servicer's, the
Trustee's or each Servicing Function Participant's report on assessment of
compliance with Servicing Criteria described under Section 3.19 identifies any
material instance of noncompliance or is not included, disclosure identifying
such instance of noncompliance or disclosure that such report is not included
and an explanation thereof, as the case may be, (iii)(A) the registered public
accounting firm attestation report for the Servicer, the Trustee and each
Servicing Function Participant, as described under Section 3.19, and (B) if any
registered public accounting firm attestation report described under Section
3.19 identifies any material instance of noncompliance or is not included,
disclosure identifying such instance of noncompliance or disclosure that such
report is not included and an explanation thereof, as the case may be, and (iv)
a Certification as described in this Section 3.22(c). 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 Information") shall be prepared by
the party responsible for preparing such disclosure as set forth on Exhibit R-2
hereto and the Trustee shall compile such disclosure pursuant to the following
paragraph. The Trustee will have no duty or liability for any failure hereunder
to determine or prepare any Additional Form 10-K Information, except to the
extent of its obligations as set forth in the next paragraph.
As set forth on Exhibit R-2 hereto, no later than March 1st of each
year that the Trust is subject to the Exchange Act reporting requirements,
commencing in 2007, certain parties to this Agreement shall be required to
provide to the Trustee and the Depositor, to the extent known by such applicable
parties, any Additional Form 10 K Information, if applicable. The Depositor will
be responsible for all reasonable fees and expenses assessed or incurred by the
Trustee in connection with including any Additional Form 10-K Information on
Form 10-K pursuant to this paragraph, including converting any such disclosure
to an XXXXX-compatible format.
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 the close of business on the third 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, together with a signed copy of the certification (the
"Certification") attached hereto as Exhibit O and required to be included with
each Form 10-K pursuant to the Xxxxxxxx-Xxxxx Act of 2002, as amended (with an
original executed hard copy of each 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
3.22(e). Promptly (but no later than one Business Day) after filing with the
Securities and Exchange Commission, the Trustee will make available on its
internet website a final executed copy of each Form 10-K. The parties to this
Agreement acknowledge that the performance by the Trustee of its duties under
this Section 3.22(c) related to the timely preparation and filing of Form 10-K
is contingent upon such parties (and any Additional Servicer or Servicing
Function Participant) strictly observing all applicable deadlines in the
performance of their duties under this Section 3.22, Section 3.18 and Section
3.19. 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 obtain or receive, on a timely basis, any information from any party
hereto (other than the Trustee or any Servicing Function Participant utilized by
the Trustee) needed to prepare, arrange for execution or file such Form 10-K,
not resulting from its own negligence, bad faith or willful misconduct.
For so long as the Trust is subject to the reporting requirements of
the Exchange Act, the Trustee shall provide to the Servicer, on or before March
5 of each year or if such day is not a Business Day, the next Business Day (with
a 10 calendar day cure period), followed by a hard copy within 10 days,
commencing in March 2007, and otherwise within a reasonable period of time upon
request, a certification in the form attached hereto as Exhibit P. In the event
the Trustee is terminated or resigns pursuant to the terms of this Agreement,
such Trustee shall provide a certification in the form attached hereto as
Exhibit P with respect to the period of time it was subject to this Agreement.
In addition, the Trustee shall indemnify and hold harmless the Depositor, the
Servicer and the Sponsor and their officers, directors and affiliates from and
against any losses, damages, penalties, fines, forfeitures, reasonable and
necessary legal fees and related costs, judgments and other costs and expenses
arising out of or based upon any inaccuracy in (i) the assessment of compliance
with the Servicing Criteria pursuant to Section 3.19 provided by Trustee or any
Servicing Function Participant appointed by the Trustee and (ii) the
certification provided by the Trustee pursuant to this Section 3.22(c), any
breach of the obligations under Sections 3.19 and 3.22(c) of the Trustee or any
Servicing Function Participant appointed by the Trustee or the Trustee's or such
Servicing Function Participant's negligence, bad faith or willful misconduct in
connection therewith. If the indemnification provided for herein is unavailable
or insufficient to hold harmless the Depositor, the Servicer and the Sponsor and
their officers, directors and affiliates, then the Trustee agrees that it shall
contribute to the amount paid or payable by the Depositor, the Servicer and the
Sponsor, any of their officers, directors or affiliates as a result of the
losses, claims, damages or liabilities of the Depositor, the Servicer or the
Sponsor, any of their officers, directors or affiliates in such proportion as is
appropriate to reflect the relative fault of the Depositor, the Servicer and the
Sponsor and each of their officers, directors and affiliates on the one hand and
the Trustee on the other in connection with a breach of the Trustee's
obligations under this Section 3.22(c) or the Trustee's negligence, bad faith or
willful misconduct in connection therewith.
(d) Within four (4) Business Days after the occurrence of an event
requiring disclosure on Form 8-K (each such event, a "Reportable Event"), and
also if requested by the Depositor, the Trustee shall prepare and file 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-Ks 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 (such information, "Form
8-K Information") shall be reported to the Depositor and the Trustee by the
parties set forth on Exhibit R-3 hereto and compiled by the Trustee pursuant to
the following paragraph. The Trustee will have no duty or liability for any
failure hereunder to determine or prepare any Form 8-K Information or any Form
8-K, except to the extent of its obligations as set forth in the next paragraph.
As set forth on Exhibit R-3 hereto, for so long as the Trust is
subject to the Exchange Act reporting requirements, no later than 12:00 noon on
the second Business Day after the occurrence of a Reportable Event certain
parties to this Agreement shall be required to provide to the Depositor and the
Trustee, to the extent known by such applicable parties, any Form 8-K
Information, if applicable. The Depositor will be responsible for all reasonable
fees and expenses assessed or incurred by the Trustee in connection with
including any Form 8-K Information on Form 8-K pursuant to this paragraph,
including converting any such disclosure to an XXXXX-compatible format.
After preparing the Form 8-K, the Trustee shall forward
electronically a draft copy of the Form 8-K to the Depositor for review,
verification and execution by the Depositor. No later than 12:00 noon on the
fourth Business Day after the Reportable Event, an officer of the Depositor
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. Promptly (but no later than one Business Day) after filing with the
Securities and Exchange Commission, the Trustee will, make available on its
internet website a final executed copy of each Form 8-K filed by it. 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 3.22(e).
The Depositor acknowledges that the performance by the Trustee of its duties
under this Section 3.22(d) related to the timely preparation and filing of Form
8-K is contingent upon the parties to this Agreement and any other Person
obligated to provide Form 8-K Information as set forth on Exhibit R-3 hereto,
observing all applicable deadlines in the performance of their duties under this
Section 3.22(d). 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 and/or timely file such Form 8-K, where such failure results from the
Trustee's inability or failure to obtain or receive, on a timely basis, any
information from any party hereto (other than the Trustee or any Servicing
Function Participant utilized by the Trustee) needed to prepare, arrange for
execution or file such Form 8-K, not resulting from its own negligence, bad
faith or willful misconduct.
(e) In the event that the Trustee is unable to timely file with the
Securities and Exchange Commission all or any required portion of any Form 8-K,
Form 10-D or Form 10-K required to be filed by this Agreement because required
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 by telephone. In the case of
Form 10-D and Form 10-K, the Depositor, Servicer and Trustee will cooperate to
prepare and file a Form 12b-25 pursuant to Rule 12b-25 of the Exchange Act. In
the case of Form 8-K, the Trustee will, upon receipt of all information required
to be included on Form 8-K, file such Form 8-K. Within 5 calendar days following
the original due date of the Form 10-D, the Trustee shall prepare and file the
related Form 10-D. Within 15 calendar days following the original due date of
the Form 10-K, the Trustee shall prepare and file the related Form 10-K. In the
event that any previously filed Form 8-K, Form 10-D or Form 10-K needs to be
amended, the party to this Agreement deciding that an amendment to such Form
8-K, Form 10-D or Form 10-K is required will notify the Depositor, the Trustee
and the Servicer and such parties will cooperate to prepare any necessary Form
8-K/A, Form 10-D/A or Form 10-K/A. Any Form 12b-25 or any amendment to Form 10-D
or Form 10-K shall be signed by a senior officer of the Servicer in charge of
the servicing function. Any amendment to Form 8-K or any Form 15 (as described
in Section 3.22(g)) shall be signed by an officer of the Depositor. The
Depositor and Servicer acknowledge that the performance by the Trustee of its
duties under this Section 3.22(e) related to the timely preparation and filing
of a Form 12b-25 or any amendment to Form 8-K, Form 10-D or Form 10-K is
contingent upon the Servicer and the Depositor performing their duties under
this Section. 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 any such Form 12b-25 or any amendments to Forms 8-K, Form 10-D or
Form 10-K, where such failure results from the Trustee's inability or failure to
obtain or receive, on a timely basis, any information from any other party
hereto (other than the Trustee or any Servicing Function Participant utilized by
the Trustee) needed to prepare, arrange for execution or file such Form 12b-25
or any amendments to Forms 8-K, Form 10-D or Form 10-K, not resulting from its
own negligence, bad faith or wilful misconduct.
(f) Upon any filing with the Securities and Exchange Commission, the
Trustee shall promptly deliver or otherwise make available to the Depositor a
copy of any such executed report, statement or information.
(g) The obligations set forth in paragraphs (a) through (f) of this
Section shall only apply with respect to periods for which the Trustee is
obligated to file reports on Form 8-K, 10-D or 10-K. Unless otherwise instructed
by the Depositor, prior to January 30th of the first year in which the Trustee
is permitted to do so under Section 15(d) of the Exchange Act and other
applicable law and regulations, the Trustee shall prepare and file with the
Securities and Exchange Commission a Form 15 Suspension Notification with
respect to the Trust, with a copy to the Depositor. At any time after the filing
of a Form 15 Suspension Notification, if the number of Certificateholders of
record exceeds the number set forth in Section 15(d) of the Exchange Act or the
regulations promulgated pursuant thereto which would cause the Trust to again
become subject to the reporting requirements of the Exchange Act, the Trustee
shall recommence preparing and filing reports on Form 10-D and 10-K as required
pursuant to this Section and the parties hereto will again have the obligations
set forth in paragraphs (a) through (f) of this Section.
(h) The Depositor, the Trustee and the Servicer shall notify the
Depositor and the Trustee of any proceedings of the type described in Item 1117
of Regulation AB, together with a description thereof, within five Business Days
of any such party's knowledge thereof. In addition, the Depositor, the Trustee
and the Servicer shall notify the Depositor and the Trustee of any affiliations
or relationships that develop following the Closing Date between the Depositor,
the Trustee or the Servicer and any of parties listed in Item 1119 of Regulation
AB, together with a description thereof, within five Business Days of any such
party's knowledge thereof.
Section 3.23 Buy-Down Account; Application of Buy-Down Funds. In
addition to the Servicer Custodial Account, if any of the Mortgage Loans are
Buy-Down Mortgage Loans, the Servicer shall establish and maintain a Buy-Down
Account, which is not part of the Trust Estate, and shall deposit therein all
Buy-Down Funds not later than the Business Day following the day of receipt and
posting by the Servicer. The Servicer shall keep and maintain a separate account
for each Buy-Down Mortgage Loan for the purpose of accounting for deposits to
and withdrawals from the Buy-Down Account. The Servicer shall invest the funds
in the Buy-Down Account in investments which are Permitted Investments. All
income and gain realized from any such investment, to the extent not required by
the applicable Buy-Down Agreements to be applied to pay interest on the related
Buy-Down Mortgage Loans, shall be for the benefit of the Servicer. The amount of
any losses incurred in respect of such investments shall be deposited in the
Buy-Down Account by the Servicer out of its own funds immediately as realized.
With respect to each Buy-Down Mortgage Loan, on the Business Day
next following receipt of the Mortgagor's required monthly payment under the
related Buy-Down Agreement, the Servicer shall withdraw from the Buy-Down
Account and deposit in immediately available funds in the Servicer Custodial
Account an amount which, when added to such Mortgagor's payment, will equal the
full monthly payment due under the related Mortgage Note.
Upon termination of a Buy-Down Agreement, no further Buy-Down Funds
relating thereto shall be deposited into the Servicer Custodial Account, and the
Servicer may withdraw the related Buy-Down Funds which remain in the Buy-Down
Account and distribute such funds as provided by such Buy-Down Agreement.
ARTICLE IV
SERVICER'S CERTIFICATE
Section 4.01 Servicer's Certificate. Each month, not later than
12:00 noon Eastern time on the Business Day following each Determination Date,
the Servicer shall deliver to the Trustee, a Servicer's Certificate (in
substance and format mutually acceptable to the Servicer and the Trustee)
certified by a Servicing Officer setting forth the information necessary in
order for the Trustee to perform its obligations under this Agreement. The
Trustee may conclusively rely upon the information contained in a Servicer's
Certificate for all purposes hereunder and shall have no duty to verify or
re-compute any of the information contained therein.
ARTICLE V
PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS;
REMIC ADMINISTRATION
Section 5.01 Distributions. On each Distribution Date, based solely
on the information in the Servicer's Certificate, the Trustee shall distribute
or be deemed to distribute, as applicable, out of the Certificate Account or the
Upper-Tier Certificate Sub-Account, as applicable (to the extent funds are
available therein), to each Certificateholder of record on the related Record
Date (other than as provided in Section 10.01 respecting the final distribution)
(a) by check mailed to such Certificateholder entitled to receive a distribution
on such Distribution Date at the address appearing in the Certificate Register,
or (b) upon written request by the Holder of a Certificate (other than the
Residual Certificate), by wire transfer or by such other means of payment as
such Certificateholder and the Trustee shall agree upon, such
Certificateholder's Percentage Interest in the amount to which the related Class
of Certificates is entitled in accordance with the priorities set forth below in
Section 5.02.
None of the Holders of any Class of Certificates, the Depositor, the
Servicer or the Trustee shall in any way be responsible or liable to Holders of
any Class of Certificates in respect of amounts properly previously distributed
on any such Class.
Amounts distributed with respect to any Class of Certificates shall
be applied first to the distribution of interest thereon and then to principal
thereon.
Section 5.02 Priorities of Distributions. (a) On each Distribution
Date, based solely on the information contained in the Servicer's Certificate,
the Trustee shall withdraw from the Certificate Account (to the extent funds are
available therein) (1) the amount payable to the Trustee pursuant to Section
3.11(b)(ii) and shall pay such funds to itself, and (2) the Pool Distribution
Amount for each Loan Group, in an amount as specified in written notice received
by the Trustee from the Servicer no later than the Business Day following the
related Determination Date, and shall apply such funds (or be deemed to apply
such funds, as applicable), first to the payment to itself of the amount payable
with respect to such Loan Group pursuant to Section 3.11(b)(i) and then to
distributions on the Certificates, paying Group 1 solely from the Pool
Distribution Amount for Loan Group 1, paying Group 2 solely from the Pool
Distribution Amount for Loan Group 2, paying Group 3 solely from the Pool
Distribution Amount for Loan Group 3, paying Group 4 solely from the Pool
Distribution Amount for Loan Group 4 and paying the Class B Certificates from
the remaining combined Pool Distribution Amounts from all the Loan Groups, in
the following order of priority and to the extent of such funds:
(i) concurrently, to each Class of Senior Certificates and IO
Component of such Group, pro rata, an amount allocable to interest equal
to the Interest Distribution Amount or Component Interest Distribution
Amount for such Class or Component and any shortfall being allocated among
such Classes or Component in proportion to the amount of the Interest
Distribution Amount or Component Interest Distribution Amount that would
have been distributed in the absence of such shortfall;
(ii) concurrently, to the Senior Non-PO Certificates of such Group
and the applicable PO Component of such Group, pro rata, based on their
respective Senior Principal Distribution Amount and PO Principal Amount,
(A) to the Senior Non-PO Certificates of such Group, in an aggregate
amount up to the Senior Principal Distribution Amount for such Group, such
distribution to be allocated among such Classes in accordance with Section
5.02(b) and (B) to the PO Component of such Group, in an aggregate amount
up to the PO Principal Amount for such Group;
(iii) to the PO Component of such Group, any PO Deferred Amount
(after giving effect to the distribution to such PO Component of the PO
Recovery for the Related Loan Group), up to the Subordinate Principal
Distribution Amounts for such Distribution Date from amounts otherwise
distributable to the Class B Certificates, first to the Class B-6
Certificates pursuant to clause (iv)(L) below, second to the Class B-5
Certificates pursuant to clause (iv)(J) below, third to the Class B-4
Certificates pursuant to clause (iv)(H) below, fourth to the Class B-3
Certificates pursuant to clause (iv)(F) below, fifth to the Class B-2
Certificates pursuant to clause (iv)(D) below and, finally, to the Class
B-1 Certificates pursuant to clause (iv)(B) below;
(iv) to each Class of Class B Certificates, subject to paragraph (d)
below, in the following order of priority:
(A) to the Class B-1 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(B) to the Class B-1 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the PO Deferred Amounts of the PO
Components pursuant to clause (iii) above until the Class
Certificate Balance thereof has been reduced to zero;
(C) to the Class B-2 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(D) to the Class B-2 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the PO Deferred Amounts of the PO
Components pursuant to clause (iii) above until the Class
Certificate Balance thereof has been reduced to zero;
(E) to the Class B-3 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(F) to the Class B-3 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the PO Deferred Amounts of the PO
Components pursuant to clause (iii) above until the Class
Certificate Balance thereof has been reduced to zero;
(G) to the Class B-4 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(H) to the Class B-4 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the PO Deferred Amounts of the PO
Components pursuant to clause (iii) above until the Class
Certificate Balance thereof has been reduced to zero;
(I) to the Class B-5 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date;
(J) to the Class B-5 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the PO Deferred Amounts of the PO
Components pursuant to clause (iii) above until the Class
Certificate Balance thereof has been reduced to zero;
(K) to the Class B-6 Certificates, an amount allocable to
interest equal to the Interest Distribution Amount for such Class
for such Distribution Date; and
(L) to the Class B-6 Certificates, an amount allocable to
principal equal to its Pro Rata Share for such Distribution Date
less any amount used to pay the PO Deferred Amounts of the PO
Components pursuant to clause (iii) above until the Class
Certificate Balance thereof has been reduced to zero; and
(v) to the Holder of the Class 1-CB-R Certificate, any amounts
remaining in the Upper-Tier Certificate Sub-Account and any remaining Pool
Distribution Amounts.
No Class of Certificates or Component will be entitled to any
distributions with respect to the amount payable pursuant to clause (ii) of the
definition of "Interest Distribution Amount" or clause (ii) of the definition of
"Component Interest Distribution Amount" after its Class Certificate Balance or
Notional Amount has been reduced to zero.
For any Group and on any Distribution Date, amounts distributed in
respect of the PO Deferred Amounts (including the distribution of the PO
Recoveries) will not reduce the Component Balance of the applicable PO
Component.
All distributions in respect of the Interest Distribution Amount for
a Class or the Component Interest Distribution Amount for an IO Component will
be applied first with respect to the amount payable pursuant to clause (i) of
the definition of "Interest Distribution Amount," or "Component Interest
Distribution Amount," as applicable, and second with respect to the amount
payable pursuant to clause (ii) of such definitions.
On each Distribution Date, the Trustee shall distribute any
Reimbursement Amount sequentially to the Classes of Certificates then
outstanding which bore the loss to which such Reimbursement Amount relates
beginning with the most senior of such Classes of Certificates, up to, with
respect to each Class, the amount of loss borne by such Class. Any Reimbursement
Amount remaining after the application described in the preceding sentence shall
be included in the Pool Distribution Amount for the applicable Loan Group.
On each Distribution Date, the Trustee shall distribute any PO
Recovery to the Holders of the Class CB-PO Certificates.
In the event that on any Distribution Date, the Subordinate
Principal Distribution Amounts for the Loan Groups are insufficient to reduce
the PO Deferred Amounts of the PO Components to zero, the amount that is
available shall be distributed among such Components pro rata based on the PO
Deferred Amounts.
(vi) Distributions on the Uncertificated Lower-Tier Interests. On
each Distribution Date, interest shall be distributed in respect of the
Uncertificated Lower-Tier Interests (other than the Class 1-LPO Interest,
Class 2-LPO Interest, Class 3-LPO Interest and Class 4-LPO Interest) at
the pass-through rate thereon, as described in the next to last paragraph
of this Section 5.02(a)(vi). All distributions of principal shall be made
first to the Class 1-LPO Interest, Class 2-LPO Interest, Class 3-LPO
Interest and Class 4-LPO Interest, so as to keep the principal balances
thereof at all times equal to the Component Balances of the Class 1-CB-PO
Component, Class 2-CB-PO Component, Class 3-CB-PO Component and Class
4-CB-PO Component, respectively; second, to the Class 1-LS Interest, Class
2-LS Interest, Class 3-LS Interest and Class 4-LS Interest, so as to keep
the principal balances thereof (computed to eight decimal places) equal to
0.100% of the Group Subordinate Amount for Loan Group 1, Loan Group 2,
Loan Group 3 and Loan Group 4, respectively (except that if any such
amount is greater than on the preceding Distribution Date, the least
amount of principal shall be distributed to the Class 1-LS Interest, Class
2-LS Interest, Class 3-LS Interest and Class 4-LS Interest, such that the
Subordinate Balance Ratio is maintained), and third, any remaining
principal to the Class 1-L Interest, Class 2-L Interest, Class 3-L
Interest and Class 4-L Interest. Any distributions of principal made to
the Uncertificated Lower-Tier Interests pursuant to this paragraph shall
be made from the Group 1 Mortgage Loans to the Uncertificated Lower-Tier
Interests beginning with the numeral "1," from the Group 2 Mortgage Loans
to the Uncertificated Lower-Tier Interests beginning with the numeral "2,"
from the Group 3 Mortgage Loans to the Uncertificated Lower-Tier Interests
beginning with the numeral "3" and from the Group 4 Mortgage Loans to the
Uncertificated Lower-Tier Interests beginning with the numeral "4."
Realized Losses shall be applied after all distributions have been
made on each Distribution Date first, to the Class 1-LPO Interest, Class 2-LPO
Interest, Class 3-LPO Interest and Class 4-LPO Interest, so as to keep their
principal balances equal to the Component Balances of the Class 1-CB-PO
Component, Class 2-CB-PO Component, Class 3-CB-PO Component and Class 4-CB-PO
Component, respectively; second, to the Class 1-LS Interest, Class 2-LS
Interest, Class 3-LS Interest and Class 4-LS Interest, so as to keep the
principal balances thereof (computed to eight decimal places) equal to 0.100% of
the Group Subordinate Amount for Loan Group 1, Loan Group 2, Loan Group 3 and
Loan Group 4, respectively (except that if any such amount is greater than on
the preceding Distribution Date, the least amount of principal shall be
distributed to the Class 1-LS Interest, Class 2-LS Interest, Class 3-LS Interest
and Class 4-LS Interest such that the Subordinate Balance Ratio is maintained);
and third, the remaining Realized Losses shall be allocated to the Class 1-L
Interest, Class 2-L Interest, Class 3-L Interest and Class 4-L Interest. Any
Realized Losses allocated to the Uncertificated Lower-Tier Interests pursuant to
this paragraph shall be (a) from Realized Losses allocated to Loan Group 1 in
the case of Uncertificated Lower-Tier Interests beginning with the numeral "1,"
(b) from Realized Losses allocated to Loan Group 2 in the case of Uncertificated
Lower-Tier Interests beginning with the numeral "2," (c) from Realized Losses
allocated to Loan Group 3 in the case of Uncertificated Lower-Tier Interests
beginning with the numeral "3," (d) from Realized Losses allocated to Loan Group
4 in the case of Uncertificated Lower-Tier Interests beginning with the numeral
"4."
As of any date, the aggregate principal balance of the Class 1-L
Interest and the Class 1-LS Interest shall equal the aggregate Pool Stated
Principal Balance (Non-PO Portion) of Loan Group 1. As of any date, the
aggregate principal balance of the Class 2-L Interest and the Class 2-LS
Interest shall equal the aggregate Pool Stated Principal Balance (Non-PO
Portion) of Loan Group 2. As of any date, the aggregate principal balance of the
Class 3-L Interest and the Class 3-LS Interest shall equal the aggregate Pool
Stated Principal Balance (Non-PO Portion) of Loan Group 3. As of any date, the
aggregate principal balance of the Class 4-L Interest and the Class 4-LS
Interest shall equal the aggregate Pool Stated Principal Balance (Non-PO
Portion) of Loan Group 4. As of any date, (i) the principal balance of the Class
1-LPO Interest will be equal to the Component Balance of the Class 1-CB-PO
Component, (ii) the principal balance of the Class 2-LPO Interest will be equal
to the Component Balance of the Class 2-CB-PO Component, (iii) the principal
balance of the Class 3-LPO Interest will be equal to the Component Balance of
the Class 3-CB-PO Component and (iv) the principal balance of the Class 4-LPO
Interest will be equal to the Component Balance of the Class 4-CB-PO Component.
As of any date, (i) the notional amount of the Class 1-LWIO Interest will be
equal to the Class 1-CB-IO Notional Amount, (ii) the notional amount of the
Class 2-LWIO Interest will be equal to the Class 2-CB-IO Notional Amount, (iii)
the notional amount of the Class 3-LWIO Interest will be equal to the Class
3-CB-IO Notional Amount and (iv) the notional amount of the Class 4-LWIO
Interest will be equal to the Class 4-CB-IO Notional Amount.
The pass-through rate with respect to the Class 1-L Interest and the
Class 1-LS Interest shall be 6.000% per annum. The pass-through rate with
respect to the Class 2-L Interest and the Class 2-LS Interest shall be 6.000%
per annum. The pass-through rate with respect to the Class 3-L Interest and the
Class 3-LS Interest shall be 6.500% per annum. The pass-through rate with
respect to the Class 4-L Interest and the Class 4-LS Interest shall be 6.500%
per annum. The pass-through rate with respect to the Class 1-LWIO Interest,
Class 2-LWIO Interest, Class 3-LWIO Interest and Class 4-LWIO Interest shall be
the same as the Pass-Through Rate for the Class 1-CB-IO Component, Class 2-CB-IO
Component, Class 3-CB-IO Component and Class 4-CB-IO Component, respectively, as
each such rate is described in the Preliminary Statement. The Class 1-LPO
Interest, Class 2-LPO Interest, Class 3-LPO Interest and Class 4-LPO Interest
are principal-only interests and are not entitled to distributions of interest.
Any Non-Supported Interest Shortfalls and Relief Act Reductions will
be allocated to each Uncertificated Lower-Tier Interest in the same relative
proportions as interest is allocated to such Uncertificated Lower-Tier Interest.
Amounts distributed to the Uncertificated Lower-Tier Interests in respect of
principal and interest with respect to any Distribution Date are referred to
herein collectively as the "Lower-Tier Distribution Amount."
(b) (i) With respect to the Group 1 Senior Certificates:
On each Distribution Date prior to the Senior Credit Support
Depletion Date, the amount distributable to the Group 1 Senior
Certificates pursuant to Section 5.02(a)(ii)(A) for such Distribution
Date, will be distributed, sequentially, to the Class 1-CB-R and Class
1-CB-1 Certificates, in that order, until their Class Certificate Balances
have been reduced to zero.
(ii) With respect to the Group 2 Senior Certificates:
On each Distribution Date prior to the Senior Credit Support
Depletion Date, the amount distributable to the Group 2 Senior
Certificates pursuant to Section 5.02(a)(ii)(A) for such Distribution
Date, will be distributed to the Class 2-CB-1 Certificates until their
Class Certificate Balance has been reduced to zero.
(iii) With respect to the Group 3 Senior Certificates:
On each Distribution Date prior to the Senior Credit Support
Depletion Date, the amount distributable to the Group 3 Senior
Certificates pursuant to Section 5.02(a)(ii)(A) for such Distribution
Date, will be distributed to the Class 3-CB-1 Certificates until their
Class Certificate Balance has been reduced to zero.
(iv) With respect to the Group 4 Senior Certificates:
On each Distribution Date prior to the Senior Credit Support
Depletion Date, the amount distributable to the Group 4 Senior
Certificates pursuant to Section 5.02(a)(ii)(A) for such Distribution
Date, will be distributed to the Class 4-CB-1 Certificates until their
Class Certificate Balance has been reduced to zero.
On each Distribution Date on or after the Senior Credit Support
Depletion Date, notwithstanding the allocation and priority set forth above, the
portion of the Pool Distribution Amount with respect to a Loan Group available
to be distributed as principal of the Senior Non-PO Certificates of the Related
Group shall be distributed concurrently, as principal, on such Classes, pro
rata, on the basis of their respective Class Certificate Balances, until the
Class Certificate Balances thereof are reduced to zero.
The Class CB-IO Certificates are Interest Only Certificates and are
not entitled to distributions in respect of principal.
Notwithstanding the foregoing, on each Distribution Date prior to
the Senior Credit Support Depletion Date, but on or after the date on which the
aggregate Class Certificate Balance of the Senior Non-PO Certificates of a Group
has been reduced to zero, amounts otherwise distributable as principal payments
from the Related Loan Group on the Class B Certificates will be paid as
principal to the remaining Classes of Senior Non-PO Certificates together with
the applicable Senior Principal Distribution Amount in accordance with the
priorities set forth for the applicable Groups in (i), (ii), (iii) and (iv)
above, provided that on such Distribution Date (a) the Aggregate Subordinate
Percentage for such Distribution Date is less than twice the initial Aggregate
Subordinate Percentage or (b) the outstanding principal balance of the Mortgage
Loans (including, for this purpose, any Mortgage Loans in foreclosure, any REO
Property and any Mortgage Loan for which the Mortgagor has filed for bankruptcy
after the Closing Date) delinquent 60 days or more (averaged over the preceding
six month period), as a percentage of the aggregate Class Certificate Balance of
the Class B Certificates, is equal to or greater than 50%. If the Senior Non-PO
Certificates of two or more Groups remain outstanding, the distributions
described above will be made to the Senior Non-PO Certificates of such Groups,
pro rata, in proportion to the aggregate class balance of the Senior Non-PO
Certificates of each such Group. In addition, if on any Distribution Date, after
giving effect to the second preceding sentence, the aggregate Class Certificate
Balance of the Senior Non-PO Certificates of a Group is greater than the
Adjusted Pool Amount (Non-PO Portion) of the Related Loan Group (any such Group,
the "Undercollateralized Group" and any such excess, the "Undercollateralized
Amount"), all amounts otherwise distributable as principal on the Class B
Certificates pursuant to 5.02(a)(iv)(L), (J), (H), (F), (D) and (B), in that
order, will be paid as principal to the Senior Non-PO Certificates of the
Undercollateralized Group together with the applicable Senior Principal
Distribution Amount in accordance with the priorities set forth for the
applicable Group above under (i), (ii), (iii) or (iv) until the aggregate Class
Certificate Balance of the Senior Non-PO Certificates of the Undercollateralized
Group equals the Adjusted Pool Amount (Non-PO Portion) of the Related Loan
Group. If two or more Groups are Undercollateralized Groups, the distributions
described above will be made, pro rata, in proportion to the amount by which the
aggregate class balance of the Senior Non-PO Certificates of each such Group
exceeds the Pool Principal Balance (Non-PO Portion) of the related Loan Group.
Also, the amount of any Class Unpaid Interest Shortfalls and Component Unpaid
Interest Shortfalls with respect to the Undercollateralized Group (including any
Class Unpaid Interest Shortfalls and Component Unpaid Interest Shortfalls for
such Distribution Date) will be paid to the Undercollateralized Group and the IO
Component of such Group pursuant to clause 5.02(a)(i) prior to the payment of
any Undercollateralized Amount from amounts otherwise distributable as principal
on the Class B Certificates pursuant to 5.02(a)(iv)(L), (J), (H), (F), (D) and
(B), in that order. Such amount will be paid to the Senior Non-PO Certificates
and IO Components, when applicable, of such Undercollateralized Group up to
their Interest Distribution Amounts and Component Interest Distribution Amounts
for such Distribution Date.
The PO Deferred Amounts for the PO Components will be paid from
amounts otherwise distributable as principal on the Class B Certificates before
any payments are made pursuant to the preceding paragraph.
(c) On each Distribution Date, Accrued Certificate Interest for each
Class of Senior Certificates and Class B Certificates and Accrued Component
Interest for the Class 1-CB-IO Component, Class 2-CB-IO Component, Class 3-CB-IO
Component and Class 4-CB-IO Component for such Distribution Date shall be
reduced by such Class' or Component's pro rata share, based on such Class'
Interest Distribution Amount or such Component's Component Interest Distribution
Amount, as applicable, for such Distribution Date, without taking into account
the allocation made by this Section 5.02(c), of (A) Non-Supported Interest
Shortfalls, (B) on and after the Senior Credit Support Depletion Date, any other
Realized Loss on the Mortgage Loans in the Related Loan Group allocable to
interest and (C) Relief Act Reductions incurred on the Mortgage Loans during the
calendar month preceding the month of such Distribution Date.
(d) Notwithstanding the priority and allocation contained in Section
5.02(a)(iv), if with respect to any Class of Class B Certificates on any
Distribution Date, (i) the aggregate of the Class Certificate Balances
immediately prior to such Distribution Date of all Classes of Class B
Certificates, as the case may be, which have a higher numerical Class
designation than such Class, divided by (ii) the aggregate Pool Stated Principal
Balance (Non-PO Portion) for all Loan Groups (for each Class, the "Fractional
Interest") is less than the Original Fractional Interest for such Class, no
distribution of principal will be made to any Classes of Class B Certificates
junior to such Class (the "Restricted Classes") and the Class Certificate
Balances of the Restricted Classes of Class B Certificates will not be used in
determining the Pro Rata Share for the Class B Certificates that are not
Restricted Classes. If the aggregate Class Certificate Balances of the Class B
Certificates that are not Restricted Classes are reduced to zero,
notwithstanding the previous sentence, any funds remaining will be distributed
sequentially to the Class B Certificates that are Restricted Classes in order of
their respective numerical Class designations (beginning with the Class of Class
B Certificates that is a Restricted Class then outstanding with the lowest
numerical Class designation).
Section 5.03 Allocation of Losses. (a) On or prior to each
Determination Date, the Servicer shall inform the Trustee in writing with
respect to each Mortgage Loan: (1) whether any Realized Loss is a Deficient
Valuation or a Debt Service Reduction, (2) of the amount of such loss or
Deficient Valuation, or of the terms of such Debt Service Reduction and (3) of
the total amount of Realized Losses on the Mortgage Loans in each Loan Group.
Based on such information, the Trustee shall determine the total amount of
Realized Losses on the Mortgage Loans in each Loan Group with respect to the
related Distribution Date. Realized Losses shall be allocated to the
Certificates by a reduction in the Class Certificate Balances of the designated
Classes pursuant to Section 5.03(b) below.
(b) The Component Balance of the PO Component of each Group shall be
reduced on each Distribution Date by the amount, if any, by which the Component
Balance of such PO Component (after giving effect to the amount to be
distributed as a distribution of principal on such Distribution Date) exceeds
the Adjusted Pool Amount (PO Portion) for the Related Loan Group for such
Distribution Date.
The Class Certificate Balance of the Class of Class B Certificates
then outstanding with the highest numerical Class designation shall be reduced
or increased on each Distribution Date by the amount, if any, necessary such
that the aggregate of the Class Certificate Balances of all outstanding Classes
of Senior Non-PO Certificates and Class B Certificates (after giving effect to
the amount to be distributed as a distribution of principal and the allocation
of the PO Deferred Amounts on such Distribution Date) equals the sum of the
Adjusted Pool Amounts (Non-PO Portion) for all Loan Groups for such Distribution
Date.
After the Senior Credit Support Depletion Date, the Class
Certificate Balances of the Senior Non-PO Certificates of each Group in the
aggregate shall be reduced or increased on each Distribution Date by the amount,
if any, necessary such that the aggregate of the Class Certificate Balances of
all outstanding Classes of Senior Non-PO Certificates of such Group (after
giving effect to the amount to be distributed as a distribution of principal on
such Distribution Date) equals the Adjusted Pool Amount (Non-PO Portion) for the
Related Loan Group for such Distribution Date.
Any such reduction or increase shall be allocated among the Senior
Non-PO Certificates of such Group, based on the Class Certificate Balances
immediately prior to such Distribution Date until the Class Certificate Balances
thereof have been reduced to zero.
(c) Any reduction or increase in the Class Certificate Balance of a
Class of Certificates pursuant to Section 5.03(b) above shall be allocated among
the Certificates of such Class in proportion to their respective Percentage
Interests.
(d) The calculation of the amount to be distributed as principal to
any Class of Class B Certificates with respect to a Distribution Date (the
"Calculated Principal Distribution") shall be made prior to the allocation of
any Realized Losses for such Distribution Date; provided, however, the actual
payment of principal to the Classes of Class B Certificates shall be made
subsequent to the allocation of Realized Losses for such Distribution Date. In
the event that after the allocation of Realized Losses for a Distribution Date,
the Calculated Principal Distribution for a Class of Class B Certificates is
greater than the Class Certificate Balance of such Class, the excess shall be
distributed first, sequentially, to the Classes of Class B Certificates then
outstanding (beginning with the Class of Class B Certificates then outstanding
with the lowest numerical designation) until the respective Class Certificate
Balance of each such Class is reduced to zero and then to the Senior Non-PO
Certificates of such Group, pro rata, on the basis of their respective Class
Certificate Balances.
(e) Notwithstanding any other provision of this Section 5.03, no
Class Certificate Balance of a Class will be increased on any Distribution Date
such that the Class Certificate Balance of such Class exceeds its Initial Class
Certificate Balance less all distributions of principal previously distributed
in respect of such Class on prior Distribution Dates (excluding in the case of
any Class of Class B Certificates any principal otherwise payable to such Class
of Class B Certificates but used to pay any PO Deferred Amount).
(f) With respect to any Distribution Date, Realized Losses allocated
pursuant to this Section 5.03 will be allocated to each Uncertificated
Lower-Tier Interest as described in Section 5.02(a).
Section 5.04 Statements to Certificateholders. (a) Prior to the
Distribution Date in each month, based upon the information provided to the
Trustee on the Servicer's Certificates delivered to the Trustee pursuant to
Section 4.01 and with respect to subsections (xxi) and (xxii) below, after
consultation with the Depositor, the Trustee shall determine the following
information with respect to such Distribution Date:
(i) the date of such Distribution Date and the Determination Date
for such Distribution Date;
(ii) for each Class, the applicable Record Date and Interest Accrual
Period;
(iii) for each Group, the amount allocable to principal, separately
identifying the aggregate amount of any Principal Prepayments and
Liquidation Proceeds included therein;
(iv) for each Group, the amount allocable to interest, any Class
Unpaid Interest Shortfall or Component Unpaid Interest Shortfall included
in such distribution and any remaining Class Unpaid Interest Shortfall or
Component Unpaid Interest Shortfall after giving effect to such
distribution;
(v) if the distribution to the Holders of such Class of Certificates
is less than the full amount that would be distributable to such Holders
if there were sufficient funds available therefor, the amount of the
shortfall and the allocation thereof as between principal and interest;
(vi) the Class Certificate Balance of each Class of Certificates
prior to and after giving effect to the distribution of principal on such
Distribution Date;
(vii) for each Loan Group, the Pool Stated Principal Balance for the
following Distribution Date;
(viii) for each Loan Group, the Senior Percentage and the
Subordinate Percentage for the following Distribution Date and the Total
Senior Percentage and Aggregate Subordinate Percentage for the following
Distribution Date;
(ix) the amount of the Servicing Fee paid to or retained by the
Servicer with respect to each Loan Group and such Distribution Date;
(x) the Pass-Through Rate for each such Class of Certificates (or
Component) with respect to such Distribution Date;
(xi) for each Loan Group, the amount of Periodic Advances included
in the distribution on such Distribution Date, the aggregate amount of
Periodic Advances outstanding as of the close of business on such
Distribution Date and the amount of Periodic Advances reimbursed since the
previous Distribution Date;
(xii) for each Loan Group, the amount of Servicing Advances made
since the previous Distribution Date, the aggregate amount of Servicing
Advances outstanding as of the close of business on such Distribution Date
and the amount of Servicing Advances reimbursed since the previous
Distribution Date;
(xiii) for each Loan Group, the number and aggregate Stated
Principal Balance of the Mortgage Loans, the ranges of Mortgage Interest
Rates for the Mortgage Loans, separated by 0.25%, the weighted average
remaining term to maturity of the Mortgage Loans and the cumulative amount
of Principal Prepayments, each as of the close of business on the last day
of the calendar month preceding such Distribution Date;
(xiv) for each Loan Group, the number and aggregate principal
amounts of Mortgage Loans (A) delinquent (exclusive of Mortgage Loans in
foreclosure or in bankruptcy) in 30-day increments until foreclosure or
other disposition, (B) in foreclosure, as of the close of business on the
last day of the calendar month preceding such Distribution Date and (C) in
bankruptcy as of the close of business on the last day of the calendar
month preceding such Distribution Date;
(xv) for each Loan Group, with respect to any Mortgage Loan that
became an REO Property during the preceding calendar month, the loan
number and Stated Principal Balance of such Mortgage Loan as of the close
of business on the Determination Date preceding such Distribution Date and
the date of acquisition thereof;
(xvi) for each Loan Group, the total number and principal balance of
any REO Properties (and market value, if available) as of the close of
business on the Determination Date preceding such Distribution Date;
(xvii) for each Group, the Senior Prepayment Percentage and the
Subordinate Prepayment Percentage for the following Distribution Date;
(xviii) for each Loan Group, the aggregate amount of Realized Losses
incurred during the preceding calendar month and for each Group, any PO
Deferred Amounts for such Distribution Date;
(xix) the Class 1-CB-IO Notional Amount, Class 2-CB-IO Notional
Amount, Class 3-CB-IO Notional Amount and Class 4-CB-IO Notional Amount
and Class CB-IO Notional Amount for such Distribution Date;
(xx) any expenses or indemnification amounts paid by the Trust, the
specific purpose of each payment and the parties to whom such payments
were made;
(xxi) for each Loan Group the amount of total Recoveries, the PO
Recovery and the Non-PO Recovery;
(xxii) any material modifications, extensions or waivers to Mortgage
Loan terms, fees, penalties or payments since the previous Distribution
Date and cumulatively since the Cut-off Date;
(xxiii) unless such information is set forth in the Form 10-D
relating to such Distribution Date and provided the Trustee is reasonably
able to include such information on the statement, any material breaches
of representations and warranties relating to the Mortgage Loans and any
material breach of covenants hereunder; and
(xxiv) the number and aggregate principal balance of any Mortgage
Loans repurchased by the Depositor from the Trust since the previous
Distribution Date.
(b) No later than each Distribution Date, the Trustee, based upon
information supplied to it on the Servicer's Certificate, shall make available
to each Holder of a Certificate, each Rating Agency and the Servicer a statement
setting forth the information set forth in Section 5.04(a).
In the case of information furnished pursuant to clauses (iii) and
(iv) of Section 5.04(a), the amounts shall be expressed as a dollar amount per
Certificate with a $1,000 denomination.
On each Distribution Date, the Trustee shall prepare and furnish to
each Financial Market Service, in electronic or such other format and media
mutually agreed upon by the Trustee, the Financial Market Service and the
Depositor, the information contained in the statement described in Section
5.04(a) for such Distribution Date.
The Trustee will make the monthly statement to Certificateholders
(and, at its option, any additional files containing the same information in an
alternative format) available each month to Certificateholders, and other
parties to this Agreement via the Trustee's Internet website, initially located
at "xxx.xxxxxxx.xxx". The Trustee will also make available copies of the
periodic reports the Trustee files with the Securities and Exchange Commission,
including distribution reports on Form 10-D, annual reports on Form 10-K,
current reports on Form 8-K (each, a "Form 8-K") and amendments to these reports
available through this website promptly (but no later than one Business Day)
after they are filed with the Securities and Exchange Commission. Assistance in
using this website can be obtained by calling the Trustee's customer service
desk at (000) 000-0000. Parties that are unable to use the website are entitled
to have a paper copy mailed to them via first class mail by calling the customer
service desk and indicating such. The Trustee shall have the right to change the
way the monthly statements to Certificateholders are distributed in order to
make such distribution more convenient and/or more accessible to the above
parties and the Trustee shall provide timely and adequate notification to all
above parties regarding any such changes.
Within a reasonable period of time after the end of each calendar
year, the Trustee shall furnish to each Person who at any time during the
calendar year was the Holder of a Certificate, if requested in writing by such
Person, a statement containing the information set forth in clauses (iii), (iv)
and (ix) of Section 5.04(a), in each case aggregated for such calendar year or
applicable portion thereof during which such Person was a Certificateholder.
Such obligation of the Trustee shall be deemed to have been satisfied to the
extent that substantially comparable information shall be provided by the
Trustee pursuant to any requirements of the Code as from time to time in force.
The Trustee shall deliver to the Holders of Certificates any reports
or information the Trustee is required by this Agreement or the Code, Treasury
Regulations or REMIC Provisions to deliver to the Holders of Certificates, and
the Trustee shall prepare and provide to the Certificateholders (by mail,
telephone, or publication as may be permitted by applicable Treasury
Regulations) such other reasonable information as the Trustee deems necessary or
appropriate or is required by the Code, Treasury Regulations, and the REMIC
Provisions including, but not limited to, (i) information to be reported to the
Holder of the Residual Certificate for quarterly notices on Schedule Q (Form
1066) (which information shall be forwarded to the Holder of the Residual
Certificate by the Trustee), (ii) information to be provided to the Holders of
Certificates with respect to amounts which should be included as interest and
original issue discount in such Holders' gross income and (iii) information to
be provided to all Holders of Certificates setting forth the percentage of each
REMIC's assets, determined in accordance with Treasury Regulations using a
convention, not inconsistent with Treasury Regulations, selected by the Trustee
in its absolute discretion, that constitute real estate assets under Section 856
of the Code, and assets described in Section 7701(a)(19)(C) of the Code;
provided, however, that in setting forth the percentage of such assets of each
REMIC, nothing contained in this Agreement, including without limitation Section
7.03 hereof, shall be interpreted to require the Trustee periodically to
appraise the fair market values of the assets of the Trust Estate or to
indemnify the Trust Estate or any Certificateholders from any adverse federal,
state or local tax consequences associated with a change subsequently required
to be made in the Depositor's initial good faith determinations of such fair
market values (if subsequent determinations are required pursuant to the REMIC
Provisions) made from time to time.
Section 5.05 Tax Returns and Reports to Certificateholders. (a) For
federal income tax purposes, each REMIC shall have a calendar year taxable year
and shall maintain its books on the accrual method of accounting.
(b) The Trustee shall prepare or cause to be prepared, shall execute
and shall file or cause to be filed with the Internal Revenue Service and
applicable state or local tax authorities income tax information returns for
each taxable year with respect to each REMIC containing such information at the
times and in the manner as may be required by the Code, the Treasury Regulations
or state or local tax laws, regulations, or rules, and shall furnish or cause to
be furnished to each REMIC and the Certificateholders the schedules, statements
or information at such times and in such manner as may be required thereby.
Within 30 days of the Closing Date, the Trustee shall furnish or cause to be
furnished to the Internal Revenue Service, on Form 8811 or as otherwise required
by the Code or the Treasury Regulations, the name, title, address and telephone
number of the person that Holders of the Certificates may contact for tax
information relating thereto, together with such additional information at the
time or times and in the manner required by the Code or the Treasury
Regulations. Such federal, state, or local income tax or information returns
shall be signed by the Trustee, or such other Person as may be required to sign
such returns by the Code, the Treasury Regulations or state or local tax laws,
regulations, or rules.
(c) In the first federal income tax return of each REMIC for its
short taxable year ending December 31, 2006, REMIC status shall be elected for
such taxable year and all succeeding taxable years.
(d) The Trustee will maintain or cause to be maintained such records
relating to each REMIC, including but not limited to records relating to the
income, expenses, assets and liabilities of the Trust Estate, and the initial
fair market value and adjusted basis of the Trust Estate property and assets
determined at such intervals as may be required by the Code or the Treasury
Regulations, as may be necessary to prepare the foregoing returns, schedules,
statements or information.
Section 5.06 Tax Matters Person. The Tax Matters Person shall have
the same duties with respect to each REMIC as those of a "tax matters partner"
under Subchapter C of Chapter 63 of Subtitle F of the Code. The Holder of the
Class 1-CB-R Certificate is hereby designated as the Tax Matters Person for each
of the Upper-Tier REMIC and the Lower-Tier REMIC. By its acceptance of the Class
1-CB-R Certificate, each such Holder irrevocably appoints the Trustee as its
agent to perform all of the duties of the Tax Matters Person for the Upper-Tier
REMIC and the Lower-Tier REMIC.
Section 5.07 Rights of the Tax Matters Person in Respect of the
Trustee. The Trustee shall afford the Tax Matters Person, upon reasonable notice
during normal business hours, access to all records maintained by the Trustee in
respect of its duties hereunder and access to officers of the Trustee
responsible for performing such duties. Upon request, the Trustee shall furnish
the Tax Matters Person with its most recent report of condition published
pursuant to law or to the requirements of its supervisory or examining authority
publicly available. The Trustee shall make available to the Tax Matters Person
such books, documents or records relating to the Trustee's services hereunder as
the Tax Matters Person shall reasonably request. The Tax Matters Person shall
not have any responsibility or liability for any action or failure to act by the
Trustee and is not obligated to supervise the performance of the Trustee under
this Agreement or otherwise.
Section 5.08 REMIC Related Covenants. For as long as the Trust shall
exist, the Trustee, the Depositor and the Servicer shall act in accordance
herewith to assure continuing treatment of the Upper-Tier REMIC and the
Lower-Tier REMIC as REMICs and avoid the imposition of tax on either REMIC
created hereunder. In particular:
(a) The Trustee shall not create, or permit the creation of, any
"interests" in either REMIC created hereunder within the meaning of Code Section
860D(a)(2) other than the interests represented by the Regular Certificates, the
Components, the Residual Certificate and the Uncertificated Lower-Tier
Interests.
(b) Except as otherwise provided in the Code, (i) the Depositor and
the Servicer shall not contribute to the Trust Estate and the Trustee shall not
accept property unless substantially all of the property held in each REMIC
constitutes either "qualified mortgages" or "permitted investments" as defined
in Code Sections 860G(a)(3) and (5), respectively, and (ii) no property shall be
contributed to either REMIC created hereunder after the start-up day unless such
contribution would not subject the Trust Estate to the 100% tax on contributions
to a REMIC after the start-up day of a REMIC imposed by Code Section 860G(d).
(c) The Trustee shall not accept on behalf of either REMIC created
hereunder any fee or other compensation for services and neither the Trustee nor
the Servicer shall knowingly accept, on behalf of the Trust Estate any income
from assets other than those permitted to be held by a REMIC.
(d) The Trustee shall not sell or permit the sale of all or any
portion of the Mortgage Loans (other than in accordance with Section 2.02 or
2.04), unless such sale is pursuant to a "qualified liquidation" of the
applicable REMIC as defined in Code Section 860F(a)(4)(A) and in accordance with
Article X.
(e) The Trustee shall maintain books with respect to the Trust and
each REMIC on a calendar year taxable year and on an accrual basis.
Neither the Servicer nor the Trustee shall engage in a "prohibited
transaction" (as defined in Code Section 860F(a)(2)), except that, with the
prior written consent of the Servicer and the Depositor, the Trustee may engage
in the activities otherwise prohibited by the foregoing paragraphs (b), (c) and
(d); provided that the Servicer shall have delivered to the Trustee an Opinion
of Counsel to the effect that such transaction will not result in the imposition
of a tax on either of the Upper-Tier REMIC or the Lower-Tier REMIC and will not
disqualify either REMIC created hereunder from treatment as a REMIC; and,
provided, further, that the Servicer shall have demonstrated to the satisfaction
of the Trustee that such action will not adversely affect the rights of the
Holders of the Certificates and the Trustee and that such action will not
adversely impact the rating of the Certificates.
ARTICLE VI
THE CERTIFICATES
Section 6.01 The Certificates. The Classes of Senior Certificates
and the Subordinate Certificates shall be substantially in the forms set forth
in Exhibits X-0-XX-0, X-0-XX-X, X-0-XX-0, X-0-XX-0, X-0-XX-0, A-CB-IO, A-CB-PO,
X-0, X-0, X-0, X-0, X-0, B-6 and C (reverse of all Certificates) and shall, on
original issue, be executed by the Trustee and shall be authenticated and
delivered by the Trustee to or upon the order of the Depositor upon receipt by
the Trustee of the documents specified in Section 2.01. The Classes of
Certificates shall be available to investors in the minimum denominations of
initial Certificate Balance or Initial Notional Amount and the integral
multiples in excess thereof as set forth in the Preliminary Statement. The
Senior Certificates (other than the Class 1-CB-R Certificate) and the Class B-1,
Class B-2, and Class B-3 Certificates shall initially be issued in book-entry
form through the Depository and delivered to the Depository or, pursuant to the
Depository's instructions on behalf of the Depository to, and deposited with,
the Certificate Custodian, and all other Classes of Certificates shall initially
be issued in definitive, fully-registered form.
The Certificates shall be executed by manual or facsimile signature
on behalf of the Trustee by an authorized officer or signatory. Certificates
bearing the manual or facsimile signatures of individuals who were, at the time
when such signatures were affixed, authorized to sign on behalf of the Trustee
shall bind the Trustee, notwithstanding that such individuals or any of them
have ceased to be so authorized prior to the execution and delivery of such
Certificates or did not hold such offices or positions at the date of such
Certificate. No Certificate shall be entitled to any benefit under this
Agreement, or be valid for any purpose, unless such Certificate shall have been
manually authenticated by the Trustee substantially in the form provided for
herein, and such authentication upon any Certificate shall be conclusive
evidence, and the only evidence, that such Certificate has been duly
authenticated and delivered hereunder. All Certificates shall be dated the date
of their authentication.
Section 6.02 Registration of Transfer and Exchange of Certificates.
(a) The Trustee shall cause to be kept at an office or agency in the city in
which the Corporate Trust Office of the Trustee is located 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. The Trustee shall initially
serve as Certificate Registrar for the purpose of registering Certificates and
transfers and exchanges of Certificates as herein provided.
(b) At the option of the Certificateholders, Certificates may be
exchanged for other Certificates of authorized denominations of a like Class,
tenor and aggregate Percentage Interest, upon surrender of the Certificates to
be exchanged at any such office or agency. Whenever any Certificates are so
surrendered for exchange, the Trustee shall execute and the Trustee shall
authenticate and deliver the Certificates which the Certificateholder making the
exchange is entitled to receive. Every Certificate presented or surrendered for
transfer or exchange shall (if so required by the Trustee or the Certificate
Registrar) be duly endorsed by, or be accompanied by a written instrument of
transfer in form satisfactory to the Trustee and the Certificate Registrar duly
executed by, the Holder thereof or its attorney duly authorized in writing.
(c) (i) Except as provided in paragraph (c)(iii) below, the
Book-Entry Certificates shall at all times remain registered in the name of the
Depository or its nominee and at all times: (A) registration of the Certificates
may not be transferred by the Trustee except to another Depository; (B) the
Depository shall maintain book-entry records with respect to the Certificate
Owners and with respect to ownership and transfers of such Book-Entry
Certificates; (C) ownership and transfers of registration of the Book-Entry
Certificates on the books of the Depository shall be governed by applicable
rules established by the Depository; (D) the Depository may collect its usual
and customary fees, charges and expenses from its Depository Participants; (E)
the Trustee shall deal with the Depository as the representative of the
Certificate Owners of the Book-Entry Certificates for purposes of exercising the
rights of Holders under this Agreement, and requests and directions for and
votes of the Depository shall not be deemed to be inconsistent if they are made
with respect to different Certificate Owners; and (F) the Trustee may rely and
shall be fully protected in relying upon information furnished by the Depository
with respect to its Depository Participants and furnished by the Depository
Participants with respect to indirect participating firms and persons shown on
the books of such indirect participating firms as direct or indirect Certificate
Owners.
(ii) All transfers by Certificate Owners of Book-Entry Certificates
shall be made in accordance with the procedures established by the
Depository Participant or brokerage firm representing such Certificate
Owner. Each Depository Participant shall 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.
(iii) If the Depository advises the Trustee in writing that the
Depository is no longer willing or able to properly discharge its
responsibilities as Depository and the Trustee or the Depositor is unable
to locate a qualified successor, the Trustee shall notify all Certificate
Owners, through the Depository, of the occurrence of such event and of the
availability of definitive, fully-registered Certificates (the "Definitive
Certificates") to such Certificate Owners requesting the same. Upon
surrender to the Trustee of the related Class of Certificates by the
Depository (or by the Certificate Custodian, if it holds such Class on
behalf of the Depository), accompanied by the instructions from the
Depository for registration, the Trustee shall issue the Definitive
Certificates. None of the Servicer, the Depositor or the Trustee shall be
liable for any delay in delivery of such instruction and may conclusively
rely on, and shall be protected in relying on, such instructions. The
Depositor shall provide the Trustee with an adequate inventory of
certificates to facilitate the issuance and transfer of Definitive
Certificates. Upon the issuance of Definitive Certificates, the Trustee
shall recognize the Holders of the Definitive Certificates as
Certificateholders hereunder.
(d) No transfer of a Private Certificate shall be made unless such
transfer is exempt from the registration requirements of the 1933 Act and any
applicable state securities laws or is made in accordance with the 1933 Act and
such laws. In the event of any such transfer, (i) unless such transfer is made
in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may
require a written Opinion of Counsel (which may be in-house counsel) acceptable
to and in form and substance reasonably satisfactory to the Trustee and the
Depositor that such transfer may be made pursuant to an exemption, describing
the applicable exemption and the basis therefor, from the 1933 Act and such laws
or is being made pursuant to the 1933 Act and such laws, which Opinion of
Counsel shall not be an expense of the Trustee or the Depositor and (ii) the
Trustee shall require a certificate from the Certificateholder desiring to
effect such transfer substantially in the form attached hereto as Exhibit G-1
and a certificate from such Certificateholder's prospective transferee
substantially in the form attached hereto either as Exhibit G-2A or as Exhibit
G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Depositor shall provide to
any Holder of a Private Certificate and any prospective transferees designated
by any such Holder, information regarding the related Certificates and the
Mortgage Loans and such other information as shall be necessary to satisfy the
condition to eligibility set forth in Rule 144A(d)(4) for transfer of any such
certificate without registration thereof under the 1933 Act pursuant to the
registration exemption provided by Rule 144A. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor 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.
(e) No transfer of an ERISA Restricted Certificate shall be made
unless the transferee delivers to the Trustee either (i) a representation letter
in the form of Exhibit H from the transferee of such Certificate, which
representation letter shall not be an expense of the Depositor, the Trustee or
the Servicer, or (ii) in the case of any ERISA Restricted Certificate presented
for registration in the name of an employee benefit plan or arrangement,
including an individual retirement account, subject to ERISA, the Code, or any
federal, state or local law ("Similar Law") which is similar to ERISA or the
Code (collectively, a "Plan"), or a trustee or custodian of any of the
foregoing, an Opinion of Counsel in form and substance satisfactory to the
Trustee and the Servicer to the effect that the purchase or holding of such
ERISA Restricted Certificate by or on behalf of such Plan will not constitute or
result in a non-exempt prohibited transaction within the meaning of ERISA,
Section 4975 of the Code or Similar Law and will not subject the Trustee, the
Depositor or the Servicer to any obligation in addition to those undertaken in
this Agreement, which Opinion of Counsel shall not be an expense of the Trustee
or the Servicer. Any transferee of an ERISA Restricted Certificate that does not
comply with either clause (i) or (ii) of the preceding sentence will be deemed
to have made one of the representations set forth in Exhibit H. For purposes of
clause (i) of the second preceding sentence, such representation shall be deemed
to have been made to the Certificate Registrar by the acceptance by a
Certificate Owner of a Book-Entry Certificate of the beneficial interest in any
such Class of ERISA Restricted Certificates, unless the Certificate Registrar
shall have received from the transferee an alternative representation acceptable
in form and substance to the Depositor. Notwithstanding anything else to the
contrary herein, any purported transfer of an ERISA Restricted Certificate to or
on behalf of a Plan without the delivery to the Trustee and the Servicer of an
Opinion of Counsel satisfactory to the Trustee and the Servicer as described
above shall be void and of no effect.
Neither the Trustee nor the Certificate Registrar shall have any
liability for transfers of Book-Entry Certificates made through the book-entry
facilities of the Depository or between or among any Depository Participants or
Certificate Owners, made in violation of applicable restrictions. The Trustee
may rely and shall be fully protected in relying upon information furnished by
the Depository with respect to its Depository Participants and furnished by the
Depository Participants with respect to indirect participating firms and Persons
shown on the books of such indirect participating firms as direct or indirect
Certificate Owners.
To the extent permitted under applicable law (including, but not
limited to, ERISA), the Trustee shall be under no liability to any Person for
any registration of transfer of any ERISA Restricted Certificate that is in fact
not permitted by this Section 6.02 or for making any payments due on such
Certificate to the Holder thereof or taking any other action with respect to
such Holder under the provisions of this Agreement so long as the transfer was
registered by the Trustee in accordance with the foregoing requirements.
(f) Each Person who has or who acquires any Ownership Interest in
the Residual Certificate shall be deemed by the acceptance or acquisition of
such Ownership Interest to have agreed to be bound by the following provisions,
and the rights of each Person acquiring any Ownership Interest in the Residual
Certificate are expressly subject to the following provisions:
(i) Each Person holding or acquiring any Ownership Interest in the
Residual Certificate shall be a Permitted Transferee and shall promptly
notify the Trustee of any change or impending change in its status as a
Permitted Transferee.
(ii) No Person shall acquire an Ownership Interest in the Residual
Certificate unless such Ownership Interest is a pro rata undivided
interest.
(iii) In connection with any proposed transfer of any Ownership
Interest in the Residual Certificate, the Trustee shall require delivery
to it, in form and substance satisfactory to it, of an affidavit in the
form of Exhibit I hereto from the proposed transferee.
(iv) Notwithstanding the delivery of an affidavit by a proposed
transferee under clause (iii) above, if a Responsible Officer of the
Trustee has actual knowledge that the proposed transferee is not a
Permitted Transferee, no transfer of any Ownership Interest in the
Residual Certificate to such proposed transferee shall be effected.
(v) No Ownership Interest in the Residual Certificate may be
purchased by or transferred to any Person that is not a U.S. Person,
unless (A) such Person holds the Residual Certificate in connection with
the conduct of a trade or business within the United States and furnishes
the transferor and the Trustee with an effective Internal Revenue Service
Form W-8ECI (or successor thereto) or (B) the transferee delivers to both
the transferor and the Trustee an Opinion of Counsel from a
nationally-recognized tax counsel to the effect that such transfer is in
accordance with the requirements of the Code and the regulations
promulgated thereunder and that such transfer of the Residual Certificate
will not be disregarded for federal income tax purposes.
(vi) Any attempted or purported transfer of any Ownership Interest
in the Residual Certificate in violation of the provisions of this Section
6.02 shall be absolutely null and void and shall vest no rights in the
purported transferee. If any purported transferee shall, in violation of
the provisions of this Section 6.02, become a Holder of the Residual
Certificate, then the prior Holder of the Residual Certificate that is a
Permitted Transferee shall, upon discovery that the registration of
transfer of the Residual Certificate was not in fact permitted by this
Section 6.02, be restored to all rights as Holder thereof retroactive to
the date of registration of transfer of the Residual Certificate. The
Trustee shall be under no liability to any Person for any registration of
transfer of the Residual Certificate that is in fact not permitted by this
Section 6.02 or for making any distributions due on the Residual
Certificate to the Holder thereof or taking any other action with respect
to such Holder under the provisions of the Agreement so long as the
transfer was registered in accordance with this Section 6.02. The Trustee
shall be entitled to recover from any Holder of the Residual Certificate
that was in fact not a Permitted Transferee at the time such distributions
were made all distributions made on the Residual Certificate. Any such
distributions so recovered by the Trustee shall be distributed and
delivered by the Trustee to the prior Holder of the Residual Certificate
that is a Permitted Transferee.
(vii) If any Person other than a Permitted Transferee acquires any
Ownership Interest in the Residual Certificate in violation of the
restrictions in this Section 6.02, then the Trustee, based on information
provided to the Trustee by the Servicer, will provide to the Internal
Revenue Service, and to the Persons specified in Section 860E(e)(3) and
(6) of the Code, information needed to compute the tax imposed under
Section 860E(e) of the Code on transfers of residual interests to
disqualified organizations. The expenses of the Trustee under this clause
(vii) shall be reimbursable by the Trust.
(viii) No Ownership Interest in the Residual Certificate shall be
acquired by a Plan or any Person acting on behalf of a Plan.
(g) [Reserved].
(h) No service charge shall be imposed for any transfer or exchange
of Certificates of any Class, 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.
(i) All Certificates surrendered for transfer and exchange shall be
destroyed by the Certificate Registrar.
Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates. If
(a) any mutilated Certificate is surrendered to the Certificate Registrar or the
Certificate Registrar receives evidence to its satisfaction of the destruction,
loss or theft of any Certificate, and (b) there is delivered to the Trustee, the
Depositor and the Certificate Registrar such security or indemnity reasonably
satisfactory to each, to save each of them harmless, then, in the absence of
actual notice to the Trustee or the Certificate Registrar that such Certificate
has been acquired by a bona fide purchaser, the Trustee shall authenticate and
deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or
stolen Certificate, a new Certificate of like tenor, Class and Percentage
Interest but bearing a number not contemporaneously outstanding. Upon the
issuance of any new Certificate under this Section, 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 and the Certificate Registrar) connected therewith.
Any duplicate Certificate issued pursuant to this Section shall constitute
complete and indefeasible evidence of ownership in the Trust, as if originally
issued, whether or not the lost, stolen or destroyed Certificate shall be found
at any time.
Section 6.04 Persons Deemed Owners. Prior to due presentation of a
Certificate for registration of transfer, the Depositor, the Servicer, the
Trustee, the Certificate Registrar and any agent of the Depositor, the Servicer,
the Trustee or the Certificate Registrar 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 5.01 and for all other purposes
whatsoever, and none of the Depositor, the Servicer, the Trustee, the
Certificate Registrar or any agent of the Servicer, the Trustee or the
Certificate Registrar shall be affected by notice to the contrary.
ARTICLE VII
THE DEPOSITOR AND THE SERVICER
Section 7.01 Respective Liabilities of the Depositor and the
Servicer. The Depositor and the Servicer shall each be liable in accordance
herewith only to the extent of the obligations specifically and respectively
imposed upon and undertaken by the Depositor and the Servicer herein. By way of
illustration and not limitation, the Depositor is not liable for the servicing
and administration of the Mortgage Loans, nor is it obligated by Section 8.01 to
assume any obligations of the Servicer or to appoint a designee to assume such
obligations, nor is it liable for any other obligation hereunder that it may,
but is not obligated to, assume unless it elects to assume such obligation in
accordance herewith.
Section 7.02 Merger or Consolidation of the Depositor or the
Servicer. The Depositor and the Servicer will each keep in full effect its
existence, rights and franchises as a separate entity under the laws governing
its organization, and will each obtain and preserve its qualification to do
business as a foreign corporation in each jurisdiction in which such
qualification is or shall be necessary to protect the validity and
enforceability of this Agreement, the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.
Any Person into which the Depositor or the Servicer may be merged or
consolidated, or any corporation resulting from any merger or consolidation to
which the Depositor or the Servicer shall be a party, or any Person succeeding
to the business of the Depositor or the Servicer, shall be the successor of the
Depositor or the Servicer, as the case may be, hereunder, without the execution
or filing of any paper or any further act on the part of any of the parties
hereto, anything herein to the contrary notwithstanding; provided, however, that
(a) the successor or surviving Person to the Servicer shall be qualified to
service mortgage loans on behalf of Xxxxxx Xxx or Xxxxxxx Mac and (b) the
Servicer and such successor or surviving Person shall notify the Depositor and
the Trustee of any such merger, conversion or consolidation at least two
Business Days prior to the effective date thereof and shall provide the
Depositor and the Trustee with all information required by the Depositor to
comply with its reporting obligation under Item 6.02 of Form 8-K not later than
the effective date of such merger, conversion or consolidation.
Section 7.03 Limitation on Liability of the Depositor, the Servicer
and Others. None of the Depositor, the Servicer or any of the directors,
officers, employees or agents of the Depositor or of the Servicer shall be under
any liability to the Trust Estate or the Certificateholders for any action taken
or for refraining from the taking of any action in good faith pursuant to this
Agreement, or for errors in judgment; provided, however, that this provision
shall not protect the Depositor, 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 willful misfeasance, bad faith or gross
negligence in the performance of duties or by reason of reckless disregard of
obligations and duties hereunder. The Depositor, the Servicer and any director,
officer, employee or agent of the Depositor or the Servicer may rely in good
faith on any document of any kind prima facie properly executed and submitted by
any Person respecting any matters arising hereunder. The Depositor, the Servicer
and any director, officer, employee or agent of the Depositor or the Servicer
shall be indemnified by the Trust Estate and held harmless against any loss,
liability or expense incurred in connection with any legal action relating to
this Agreement or the Certificates, other than any loss, liability or expense
related to any specific Mortgage Loan or Mortgage Loans (except as any such
loss, liability or expense shall be otherwise reimbursable pursuant to this
Agreement) and any loss, liability or expense incurred by reason of willful
misfeasance, bad faith or gross negligence in the performance of duties
hereunder or by reason of reckless disregard of obligations and duties
hereunder. Neither of the Depositor nor the Servicer shall be under any
obligation to appear in, prosecute or defend any legal action which is not
incidental to its respective duties under this Agreement and which in its
opinion may involve it in any expense or liability; provided, however, that the
Depositor or the Servicer may in its discretion undertake any such action which
it may deem necessary or desirable in 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 Estate, and the Depositor and the Servicer shall be entitled to be
reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit
in the Servicer Custodial Account as provided by Section 3.11.
Section 7.04 Depositor and Servicer Not to Resign. Subject to the
provisions of Section 7.02, neither the Depositor nor the Servicer shall resign
from its respective obligations and duties hereby imposed on it except upon
determination that its duties hereunder are no longer permissible under
applicable law or, in the case of the Servicer, pursuant to Section 7.05. Any
such determination permitting the resignation of the Depositor or the Servicer
shall be evidenced by an Opinion of Counsel to such effect delivered to the
Trustee. No such resignation by the Servicer shall become effective until the
Trustee or a successor Servicer shall have assumed the Servicer's
responsibilities and obligations in accordance with Section 8.05 hereof.
Section 7.05 Assignment or Delegation of Duties by the Servicer. The
Servicer shall have the right to assign its rights and delegate its duties and
obligations hereunder; provided, however, that (i) the purchaser or transferee
accepting such assignment or delegation is qualified to service mortgage loans
for Xxxxxx Xxx or Xxxxxxx Mac, is satisfactory to the Trustee, in the exercise
of its reasonable judgment, and executes and delivers to the Trustee an
agreement, in form and substance reasonably satisfactory to the Trustee, which
contains an assumption by such purchaser or transferee of the due and punctual
performance and observance of each covenant and condition to be performed or
observed by the Servicer hereunder from and after the date of such agreement;
and (ii) each applicable Rating Agency's rating of any Certificates in effect
immediately prior to such assignment, sale or transfer is not reasonably likely
to be qualified, downgraded or withdrawn as a result of such assignment, sale or
transfer and the Certificates are not reasonably likely to be placed on credit
review status by any such Rating Agency. In no case, however, shall any
permitted assignment and delegation relieve the Servicer of any liability to the
Trustee or the Depositor under this Agreement, incurred by it prior to the time
that the conditions contained in clauses (i) and (ii) above are met.
ARTICLE VIII
DEFAULT
Section 8.01 Events of Default. If any one of the following events
("Events of Default") shall occur and be continuing:
(a) any failure by the Servicer to deposit amounts in the Servicer
Custodial Account in the amount and manner provided herein so as to enable the
Trustee to distribute to Holders of Certificates any payment required to be made
under the terms of such Certificates and this Agreement (other than the payments
required to be made under Section 3.20) which continues unremedied for a period
of five days; or
(b) failure on the part of the Servicer duly to observe or perform
in any material respect any other covenants or agreements of the Servicer set
forth in the Certificates or in this Agreement, which covenants and agreements
continue unremedied for a period of 30 days after the date on which written
notice of such failure, requiring the same to be remedied, shall have been given
to the Servicer by the Trustee or the Depositor, or to the Servicer, the
Depositor and the Trustee by the Holders of Certificates evidencing Voting
Rights aggregating not less than 25% of all Certificates affected thereby; or
(c) the entry of 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,
marshalling of assets and liabilities or similar proceedings against the
Servicer, or for the winding up or liquidation of the Servicer's affairs, and
the continuance of any such decree or order unstayed and in effect for a period
of 60 consecutive days; or
(d) the consent by the Servicer to the appointment of a conservator
or receiver or liquidator in any insolvency, readjustment of debt, marshalling
of assets and liabilities or similar proceedings of or relating to the Servicer
or of or relating to substantially all of its property; or the Servicer shall
admit in writing its inability to pay its debts generally as they become due,
file a petition to take advantage of any applicable insolvency or reorganization
statute, make an assignment for the benefit of its creditors, or voluntarily
suspend payment of its obligations; or
(e) the failure of the Servicer to remit any Periodic Advance
required to be remitted by the Servicer pursuant to Section 3.20 which failure
continues unremedied at 3:00 p.m. on the related Distribution Date;
then, and in each and every such case (other than the Event of Default described
in clause (e) hereof), so long as an Event of Default shall not have been
remedied by the Servicer, the Trustee may, and at the direction of the Holders
of Certificates evidencing Voting Rights aggregating not less than 51% of all
Certificates affected thereby shall, by notice then given in writing to the
Servicer (and to the Depositor), terminate all of the rights and obligations of
the Servicer under this Agreement. If an Event of Default described in clause
(e) hereof shall occur, the Trustee shall, by notice to the Servicer, terminate
all of the rights and obligations of the Servicer under this Agreement and in
and to the Mortgage Loans and proceeds thereof (other than the Servicer's right
to recovery of the aggregate Servicing Fees due prior to the date of termination
and other expenses and amounts advanced pursuant to the terms of this Agreement,
which rights the Servicer will retain under all circumstances) and the Trustee
or a successor Servicer appointed pursuant to Section 8.05 shall make the
Advance which the Servicer failed to make. On or after the receipt by the
Servicer of such written notice, all authority and power of the Servicer under
this Agreement, whether with respect to the Certificates or the Mortgage Loans
or otherwise, shall pass to and be vested in the Trustee pursuant to and under
this Section 8.01, unless and until such time as the Trustee shall appoint a
successor Servicer pursuant to Section 8.05, and, without limitation, the
Trustee is hereby authorized and empowered to execute and deliver, on behalf of
the Servicer, as attorney-in-fact or otherwise, any and all documents and other
instruments, and to do or accomplish all other acts or things necessary or
appropriate to effect the purposes of such notice of termination, whether to
complete the transfer and endorsement of the Mortgage Loans and related
documents, or otherwise, including, without limitation, the recordation of the
assignments of the Mortgage Loans to it. The Servicer agrees to cooperate with
the Trustee in effecting the termination of the responsibilities and rights of
the Servicer hereunder, including, without limitation, the transfer to the
Trustee for the administration by it of all cash amounts that have been
deposited by the Servicer in the Servicer Custodial Account or thereafter
received by the Servicer with respect to the Mortgage Loans. Upon obtaining
notice or knowledge of the occurrence of any Event of Default, the Person
obtaining such notice or knowledge shall give prompt written notice thereof to
Certificateholders at their respective addresses appearing in the Certificate
Register and to each Rating Agency. All costs and expenses (including attorneys'
fees) incurred in connection with transferring the Mortgage Files to the
successor Servicer and amending this Agreement to reflect such succession as
Servicer pursuant to this Section 8.01 shall be paid by the predecessor
Servicer. Notwithstanding the termination of the Servicer pursuant hereto, the
Servicer shall remain liable for any causes of action arising out of any Event
of Default occurring prior to such termination.
Section 8.02 Remedies of Trustee. During the continuance of any
Event of Default, so long as such Event of Default shall not have been remedied,
the Trustee, in addition to the rights specified in Section 8.01, shall have the
right, in its own name as trustee of an express trust, to take all actions now
or hereafter existing at law, in equity or by statute to enforce its rights and
remedies and to protect the interests, and enforce the rights and remedies, of
the Certificateholders (including the institution and prosecution of all
judicial, administrative and other proceedings and the filing of proofs of claim
and debt in connection therewith). Except as otherwise expressly provided in
this Agreement, no remedy provided for by this Agreement shall be exclusive of
any other remedy, and each and every remedy shall be cumulative and in addition
to any other remedy and no delay or omission to exercise any right or remedy
shall impair any such right or remedy or shall be deemed to be a waiver of any
Event of Default.
Section 8.03 Directions by Certificateholders and Duties of Trustee
During Event of Default. During the continuance of any Event of Default, Holders
of Certificates evidencing Voting Rights aggregating not less than 25% of each
Class of Certificates affected thereby may direct the time, method and place of
conducting any proceeding for any remedy available to the Trustee, or exercising
any trust or power conferred upon the Trustee under this Agreement; provided,
however, that the Trustee shall be under no obligation to pursue any such
remedy, or to exercise any of the trusts or powers vested in it by this
Agreement (including, without limitation, (a) the conducting or defending of any
administrative action or litigation hereunder or in relation hereto, and (b) the
terminating of the Servicer or any successor Servicer from its rights and duties
as servicer hereunder) at the request, order or direction of any of the
Certificateholders, 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; and, provided, further,
that, subject to the provisions of Section 9.01, the Trustee shall have the
right to decline to follow any such direction if the Trustee, based upon an
Opinion of Counsel, determines that the action or proceeding so directed may not
lawfully be taken or if the Trustee in good faith determines that the action or
proceeding so directed would involve it in personal liability or be unjustly
prejudicial to the non-assenting Certificateholders.
Section 8.04 Action upon Certain Failures of the Servicer and upon
Event of Default. In the event that the Trustee shall have actual knowledge of
any failure of the Servicer specified in Section 8.01(a) or (b) which would
become an Event of Default upon the Servicer's failure to remedy the same after
notice, the Trustee shall give notice thereof to the Servicer. If the Trustee
shall have knowledge of an Event of Default, the Trustee shall give prompt
written notice thereof to the Certificateholders.
Section 8.05 Trustee to Act; Appointment of Successor. (a) Within 90
days after the time the Servicer receives a notice of termination pursuant to
Section 8.01, the Trustee shall be the successor in all respects to the Servicer
in its capacity as servicer under this Agreement and the transactions set forth
or provided for herein and shall be subject to all the responsibilities, duties
and liabilities relating thereto placed on the Servicer by the terms and
provisions hereof or shall appoint a successor pursuant to Section 3.07.
Notwithstanding the foregoing (i) the parties hereto agree that the Trustee, in
its capacity as successor Servicer, immediately will assume all of the
obligations of the Servicer to make Advances, (ii) the Trustee in its capacity
as successor Servicer, shall not be responsible for the lack of information
and/or documents that it cannot obtain through reasonable efforts and (iii)
under no circumstances shall any provision of this Agreement be construed to
require the Trustee, acting in its capacity as successor to the Servicer in its
obligation to make Advances, to advance, expend or risk its own funds or
otherwise incur any financial liability in the performance of its duties
hereunder if it shall have reasonable grounds for believing that such funds are
non-recoverable. Subject to Section 8.05(b), as compensation therefor, the
Trustee shall be entitled to such compensation as the terminated Servicer would
have been entitled to hereunder if no such notice of termination had been given.
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 having a net worth of not less than $10,000,000 as the successor to
the terminated Servicer hereunder in the assumption of all or any part of the
responsibilities, duties or liabilities of the Servicer hereunder; provided,
however, that any such institution appointed as successor Servicer shall not, as
evidenced in writing by each Rating Agency, adversely affect the then current
rating of any Class of Certificates immediately prior to the termination of the
terminated Servicer. The appointment of a successor Servicer shall not affect
any liability of the predecessor Servicer which may have arisen under this
Agreement prior to its termination as Servicer, nor shall any successor Servicer
be liable for any acts or omissions of the predecessor Servicer or for any
breach by the Servicer of any of its representations or warranties contained
herein or in any related document or agreement. Pending appointment of a
successor to the terminated Servicer hereunder, unless the Trustee is prohibited
by law from so acting, the Trustee shall act in such capacity as provided above.
The Trustee and such successor shall take such action, consistent with this
Agreement, as shall be necessary to effectuate any such succession. All
Servicing Transfer Costs shall be paid by the predecessor Servicer upon
presentation of reasonable documentation of such costs, and if such predecessor
Servicer defaults in its obligation to pay such costs, such costs shall be paid
by the successor Servicer or the Trustee (in which case the successor Servicer
or the Trustee shall be entitled to reimbursement therefor from the assets of
the Trust).
(b) In connection with the appointment of a successor Servicer or
the assumption of the duties of the Servicer, as specified in Section 8.05(a),
the Trustee may make such arrangements for the compensation of such successor
out of the payments on the Mortgage Loans serviced by the predecessor Servicer
as it and such successor shall agree, not to exceed the Servicing Fee Rate.
(c) Any successor, including the Trustee, to the Servicer as
servicer shall during the term of its service as servicer maintain in force (i)
a policy or policies of insurance covering errors and omissions in the
performance of its obligations as servicer hereunder and (ii) a fidelity bond in
respect of its officers, employees and agents to the same extent as the Servicer
is so required pursuant to Section 3.03.
(d) The predecessor Servicer and successor Servicer shall notify the
Depositor and Trustee of any such appointment at least two Business Days prior
to the effective date thereof and shall provide the Depositor and the Trustee
with all information required by the Depositor to comply with its reporting
obligation under Item 6.02 of Form 8-K not later than the effective date of such
appointment.
Section 8.06 Notification to Certificateholders. Upon any
termination or appointment of a successor to the Servicer pursuant to this
Article VIII, the Trustee shall give prompt written notice thereof to
Certificateholders at their respective addresses appearing in the Certificate
Register and to each Rating Agency.
ARTICLE IX
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. In case an Event of
Default has occurred of which a Responsible Officer of the Trustee shall have
actual knowledge (which has not been cured or waived), the Trustee shall
exercise such of the rights and powers vested in it by this Agreement, and use
the same degree of care and skill in its exercise as a reasonably prudent
investor would exercise or use under the circumstances in the conduct of such
investor's own affairs.
The Trustee, upon receipt of all resolutions, certificates,
statements, opinions, reports, documents, orders or other instruments furnished
to the Trustee which are specifically required to be furnished pursuant to any
provision of this Agreement, shall examine them to determine whether they
conform to the requirements of this Agreement.
(b) No provision of this Agreement shall be construed to relieve the
Trustee from liability for its own grossly negligent action, its own grossly
negligent failure to act or its own willful misfeasance; 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 such duties and obligations as are
specifically set forth in this Agreement, no implied covenants or
obligations shall be read into this Agreement against the Trustee 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 by the Depositor or the Servicer and which on
their face, do not contradict the requirements of this Agreement;
(ii) The Trustee (in its individual capacity) shall not be
personally liable 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 grossly negligent in ascertaining the
pertinent facts;
(iii) The Trustee (in its individual capacity) shall not be
personally liable with respect to any action taken, suffered or omitted to
be taken by it in good faith in accordance with the direction of
Certificateholders as provided in Section 8.03;
(iv) The Trustee shall not be charged with knowledge of any default
(other than a default in payment to the Trustee) specified in clauses (a)
and (b) of Section 8.01 or an Event of Default under clauses (c), (d) and
(e) of Section 8.01 unless a Responsible Officer of the Trustee assigned
to and working in the Corporate Trust Office obtains actual knowledge of
such failure or event or any officer of the Trustee receives written
notice of such failure or event at its Corporate Trust Office from the
Servicer, the Depositor or any Certificateholder; and
(v) Except to the extent provided in Section 8.05, no provision in
this Agreement shall require the Trustee to expend or risk its own funds
(including, without limitation, the making of any Advance as successor
Servicer) or otherwise incur any personal financial liability in the
performance of any of its duties as Trustee hereunder, or in the exercise
of any of its rights or powers, if the Trustee shall have reasonable
grounds for believing that repayment of funds or adequate indemnity
against such risk or liability is not reasonably assured to it.
Section 9.02 Certain Matters Affecting the Trustee. Except as
otherwise provided in Section 9.01:
(i) The Trustee may request and rely upon and shall be protected in
acting or refraining from acting upon any resolution, Officer's
Certificate, certificate of auditors or any other certificate, statement,
instrument, opinion, report, notice, request, consent, order, appraisal,
bond or other paper or document believed by it to be genuine and to have
been signed or presented by the proper party or parties;
(ii) The Trustee may consult with counsel and any Opinion of Counsel
shall be full and complete authorization and protection in respect of any
action taken or suffered or omitted by it hereunder in good faith and in
accordance with such Opinion of Counsel;
(iii) The Trustee shall be under no obligation to exercise any of
the trusts or powers vested in it by 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 (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 investor would exercise or use under the
circumstances in the conduct of such investor's own affairs;
(iv) The Trustee shall not be personally liable for any action
taken, suffered or omitted by it in good faith and believed by it to be
authorized or within the discretion or rights or powers conferred upon it
by this Agreement;
(v) Prior to the occurrence of an Event of Default hereunder and
after the curing or waiving of all Events of Default which may have
occurred, 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 so to do by
Holders of Certificates of any Class evidencing, as to such Class,
Percentage Interests, aggregating not less than 50%; provided, however,
that if 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, not 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 or payment of such estimated expenses as a condition to so
proceeding; and
(vi) The Trustee may execute any of the trusts or powers hereunder
or perform any duties hereunder either directly or by or through agents or
attorneys.
Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans.
The recitals contained herein and in the Certificates (other than the execution
of, and the authentication of the Certificates) shall be taken as the statements
of the Depositor or Servicer, as applicable, and the Trustee assumes no
responsibility for their correctness. The Trustee makes no representations as to
the validity or sufficiency of this Agreement or of the Certificates or any
Mortgage Loans save that the Trustee represents that, assuming due execution and
delivery by the other parties hereto, this Agreement has been duly authorized,
executed and delivered by it and constitutes its legal, valid and binding
obligation, enforceable against it in accordance with its terms, subject, as to
enforcement of remedies, to applicable insolvency, receivership, moratorium and
other laws affecting the rights of creditors generally, and to general
principles of equity and the discretion of the court (regardless of whether
enforcement of such remedies is considered in a proceeding in equity or at law).
The Trustee shall not be accountable for the use or application by the Depositor
of funds paid to the Depositor in consideration of the assignment of the
Mortgage Loans hereunder by the Depositor, or for the use or application of any
funds paid to Subservicers or the Servicer in respect of the Mortgage Loans or
deposited into the Servicer Custodial Account, or any other account hereunder
(other than the Certificate Account) by the Servicer.
The Trustee shall at no 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 or its ability to generate the payments to be
distributed to Certificateholders under this Agreement, including, without
limitation: the existence, condition and ownership of any Mortgaged Property;
the existence and enforceability of any hazard insurance thereon (other than if
the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and
thereupon only for the acts or omissions of the successor Servicer); the
validity of the assignment of any Mortgage Loan to the Trustee or of any
intervening assignment; the completeness of any Mortgage Loan; the performance
or enforcement of any Mortgage Loan (other than if the Trustee shall assume the
duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts
or omissions of the Trustee as successor Servicer); the compliance by the
Depositor or the Servicer with any warranty or representation made under this
Agreement or in any related document or the accuracy of any such warranty or
representation; any investment of monies by or at the direction of the Servicer
or any loss resulting therefrom, it being understood that the Trustee shall
remain responsible for any Trust property that it may hold in its individual
capacity; the acts or omissions of any of the Depositor, the Servicer (other
than if the Trustee shall assume the duties of the Servicer pursuant to Section
8.05 and thereupon only for the acts or omissions of the Trustee as successor
Servicer), any Subservicer or any Mortgagor; any action of the Servicer (other
than if the Trustee shall assume the duties of the Servicer pursuant to Section
8.05 and thereupon only for the acts or omissions of the Trustee as successor
Servicer) or any Subservicer taken in the name of the Trustee; the failure of
the Servicer or any Subservicer to act or perform any duties required of it as
agent of the Trustee hereunder; or any action by the Trustee taken at the
instruction of the Servicer (other than if the Trustee shall assume the duties
of the Servicer pursuant to Section 8.05 and thereupon only for the acts or
omissions of the Trustee as successor Servicer); provided, however, that the
foregoing shall not relieve the Trustee of its obligation to perform its duties
under this Agreement, including, without limitation, the Trustee's review of the
Mortgage Files pursuant to Section 2.02. The Trustee shall file any financing or
continuation statement in any public office at any time required to maintain the
perfection of any security interest or lien granted to it hereunder.
Section 9.04 Trustee May Own Certificates. The Trustee 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 Trustee and may otherwise deal
with the Servicer, any Subservicer or any of their respective affiliates with
the same rights it would have if it were not the Trustee.
Section 9.05 Eligibility Requirements for Trustee. The Trustee
hereunder shall at all times be (a) an institution the deposits of which are
fully insured by the FDIC and (b) a corporation or banking association organized
and doing business under the laws of the United States of America or of any
State, authorized under such laws to exercise corporate trust powers, having a
combined capital and surplus of not less than $50,000,000 and subject to
supervision or examination by Federal or State authority and (c) with respect to
every successor trustee hereunder either an institution (i) the long-term
unsecured debt obligations of which are rated at least "A" by Fitch and at least
"A2" by Xxxxx'x or (ii) whose serving as Trustee hereunder would not result in
the lowering of the ratings originally assigned to any Class of Certificates.
The Trustee shall not be an affiliate of the Depositor or the Servicer. If such
corporation or banking association 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 9.05, the combined
capital and surplus of such corporation or banking association shall be deemed
to be its combined capital and surplus as set forth in its most recent report of
condition so published. In case at any time the Trustee shall cease to be
eligible in accordance with the provision of this Section 9.05, the Trustee
shall resign immediately in the manner and with the effect specified in Section
9.06.
Section 9.06 Resignation and Removal of Trustee. The Trustee may at
any time resign and be discharged from the trust hereby created by giving
written notice thereof to the Servicer and mailing a copy of such notice to all
Holders of record. The Trustee shall also mail a copy of such notice of
resignation to each Rating Agency. Upon receiving such notice of resignation,
the Servicer shall use its best efforts to promptly appoint a mutually
acceptable successor Trustee by written instrument, in duplicate, one copy of
which instrument shall be delivered to the resigning Trustee and one copy to the
successor Trustee. If no successor Trustee shall have been so appointed and
shall 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.
If at any time the Trustee shall cease to be eligible in accordance
with the provisions of Section 9.05 and shall fail to resign after written
request therefor by the Servicer, 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 Servicer
may remove the Trustee and appoint a successor trustee by written instrument, in
duplicate, one copy of which instrument shall be delivered to the Trustee so
removed and one copy to the successor.
The Holders of Certificates evidencing not less than 50% of the
Voting Rights may at any time remove the Trustee by written instrument or
instruments delivered to the Servicer and the Trustee; the Servicer shall
thereupon use its best efforts to appoint a mutually acceptable successor
Trustee in accordance with this Section 9.06.
Any resignation or removal of the Trustee and appointment of a
successor Trustee pursuant to any of the provisions of this Section 9.06 shall
become effective upon acceptance of appointment by the successor Trustee as
provided in Section 9.07.
Section 9.07 Successor Trustee. Any successor Trustee appointed as
provided in Section 9.06 shall execute, acknowledge and deliver to the Servicer
and to its predecessor Trustee an instrument accepting such appointment
hereunder, and thereupon the resignation or removal of the predecessor Trustee
shall 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 duly assign, transfer,
deliver and pay over to the successor Trustee the whole of the Mortgage Files
and related documents and statements held by it hereunder, together with all
instruments of transfer and assignment or other documents properly executed as
may be reasonably required to effect such transfer and such of the records or
copies thereof maintained by the predecessor Trustee in the administration
hereof as may be reasonably requested by the successor Trustee and shall
thereupon be discharged from all duties and responsibilities under this
Agreement (other than pursuant to Section 3.19 hereunder). All costs associated
with the appointment of a successor Trustee shall be paid to the Person that
incurred them by the predecessor Trustee. Without limiting the predecessor
Trustee's obligation, if the predecessor Trustee fails to pay such costs, such
costs shall be reimbursed by the Trust; provided, however, that if the
predecessor Trustee has been terminated pursuant to the third paragraph of
Section 9.06, all reasonable expenses incurred in complying with this Section
9.07 shall be reimbursed by the Trust to the Person that incurred them.
No successor Trustee shall accept appointment as provided in this
Section 9.07 unless at the time of such appointment such successor Trustee shall
be eligible under the provisions of Section 9.05.
Upon acceptance of appointment by a successor Trustee as provided in
this Section 9.07, the Servicer shall cooperate to mail notice of the succession
of such Trustee hereunder to all Holders of Certificates at their addresses as
shown in the Certificate Register and to each Rating Agency. If the Servicer
fails to mail such notice within ten days after acceptance of appointment by the
successor Trustee, the successor Trustee shall cause such notice to be mailed at
the expense of the Servicer.
The predecessor Trustee and successor Trustee shall notify the
Depositor of any such appointment at least two Business Days prior to the
effective date thereof and shall provide the Depositor with all information
required by the Depositor to comply with its reporting obligation under Item
6.02 of Form 8-K not later than the effective date of such appointment.
Section 9.08 Merger or Consolidation of Trustee. Any corporation or
banking association into which the Trustee may be merged or converted or with
which it may be consolidated, or any corporation or banking association
resulting from any merger, conversion or consolidation to which the Trustee
shall be a party, or any corporation or banking association succeeding to all or
substantially all of the corporate trust business of the Trustee, shall be the
successor of the Trustee hereunder, if such corporation or banking association
is eligible under the provisions of Section 9.05, without the execution or
filing of any paper or any further act on the part of any of the parties hereto,
anything herein to the contrary notwithstanding; provided, however, that the
Trustee and such surviving Person shall notify the Depositor of any such merger,
conversion or consolidation and shall provide the Depositor with all information
required by the Depositor to comply with its reporting obligation under Item
6.02 of Form 8-K not later than the effective date of such merger, conversion or
consolidation.
Section 9.09 Appointment of Co-Trustee or Separate Trustee.
Notwithstanding any of the provisions hereof, at any time, for the purpose of
meeting any legal requirements of any jurisdiction in which any Mortgaged
Property may at the time be located or for any other reason, the Servicer and
the Trustee acting jointly shall have the power and shall execute and deliver
all instruments to appoint one or more Persons approved by the Trustee as
co-trustee or separate trustee of all or any part of the Trust Estate, and to
vest in such Person or Persons, in such capacity, such title to the Trust
Estate, or any part thereof, and, subject to the other provision of this Section
9.09, such powers, duties, obligations, rights and trusts as the Servicer and
the Trustee may consider necessary or desirable. If the Servicer shall not have
joined in such appointment within ten days after the receipt by it of a request
to do so, the Trustee alone shall have the power to make such appointment. No
co-trustee or separate trustee hereunder shall be required to meet the terms of
eligibility as a successor Trustee under Section 9.05 and no notice to Holders
of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall
be required under Section 9.07.
In the case of any appointment of a co-trustee or separate trustee
pursuant to this Section 9.09, all rights, powers, duties and obligations
conferred or imposed upon the 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 Estate 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. No
trustee hereunder shall be held personally liable by reason of any act or
omission of any other trustee hereunder; provided, however, that no appointment
of a co-trustee or separate trustee hereunder shall relieve the Trustee of its
obligations hereunder.
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.
Any separate trustee or co-trustee may, at any time, constitute the
Trustee, its agent or attorney-in-fact, with full power and authority, to the
extent not prohibited by law, to do any lawful act under or in respect of this
Agreement on its behalf and in its name. If any separate trustee or co-trustee
shall become incapable of acting, resign or be removed, or shall be adjudged
bankrupt or insolvent, or a receiver of its property shall be appointed, or any
public officer shall take charge or control of such trustee or co-trustee or of
its property or affairs for the purpose of rehabilitation, conservation or
liquidation, all of its estates, properties, rights, remedies and trusts shall
vest in and be exercised by the Trustee, to the extent permitted by law, without
the appointment of a new or successor trustee.
Section 9.10 Authenticating Agents. The Trustee may appoint one or
more authenticating agents ("Authenticating Agents") which shall be authorized
to act on behalf of the Trustee in authenticating Certificates. Initially, the
Authenticating Agent shall be Xxxxx Fargo Bank, N.A. Wherever reference is made
in this Agreement to the authentication of Certificates by the Trustee or the
Trustee's certificate of authentication, such reference shall be deemed to
include authentication on behalf of the Trustee by an Authenticating Agent and a
certificate of authentication executed on behalf of the Trustee by an
Authenticating Agent. Each Authenticating Agent must be acceptable to the
Servicer and must be a corporation or banking association organized and doing
business under the laws of the United States of America or of any state, having
a place of business in New York, New York, having a combined capital and surplus
of at least $15,000,000, authorized under such laws to do a trust business and
subject to supervision or examination by federal or state authorities.
Any corporation or banking association into which any Authenticating
Agent may be merged or converted or with which it may be consolidated, or any
corporation or banking association resulting from any merger, conversion or
consolidation to which any Authenticating Agent shall be a party, or any
corporation or banking association succeeding to the corporate agency business
of any Authenticating Agent, shall continue to be the Authenticating Agent
without the execution or filing of any paper or any further act on the part of
the Trustee or the Authenticating Agent.
Any Authenticating Agent may at any time resign by giving written
notice of resignation to the Trustee and to the Servicer. The Trustee may at any
time terminate the agency of any Authenticating Agent by giving written notice
of termination to such Authenticating Agent and to the Servicer. Upon receiving
a notice of resignation or upon such a termination, or in case, at any time any
Authenticating Agent shall cease to be eligible in accordance with the
provisions of this Section 9.10, the Trustee may appoint a successor
Authenticating Agent, shall give written notice of such appointment to the
Servicer and shall mail notice of such appointment to all Certificateholders.
Any successor Authenticating Agent upon acceptance of its appointment hereunder
shall become vested with all the rights, powers, duties and responsibilities of
its predecessor hereunder, with like effect as if originally named as
Authenticating Agent.
Section 9.11 Trustee's Fees and Expenses. The Trustee, as
compensation for its activities hereunder, shall be entitled to receive on each
Distribution Date an amount equal to the Trustee Fee for such Distribution Date
pursuant to Section 5.02(a). The Trustee and any director, officer, employee or
agent of the Trustee shall be indemnified by the Trust and held harmless against
any loss, liability or expense (including reasonable attorney's fees) (a)
incurred in connection with any claim or legal action relating to (i) this
Agreement, (ii) the Certificates, or (iii) the performance of any of the
Trustee's duties hereunder, other than any loss, liability or expense incurred
by reason of willful misfeasance, bad faith or gross negligence in the
performance of any of the Trustee's duties hereunder, (b) resulting from any tax
or information return which was prepared by, or should have been prepared by,
the Servicer and (c) arising out of the transfer of any ERISA Restricted
Certificate or Residual Certificate not in compliance with ERISA. Such indemnity
shall survive the termination of this Agreement or the resignation or removal of
the Trustee hereunder. Without limiting the foregoing, except as otherwise
agreed upon in writing by the Depositor and the Trustee, and except for any such
expense, disbursement or advance as may arise from the Trustee's gross
negligence, bad faith or willful misconduct, the Trust shall reimburse the
Trustee for all reasonable expenses, disbursements and advances incurred or made
by the Trustee in accordance with any of the provisions of this Agreement to the
extent permitted by Treasury Regulations Section 1.860G-1(b)(3)(ii) and (iii);
provided, however, that the Depositor and the Trustee intend to enter into a
separate agreement for custody-related services. Except as otherwise provided
herein, the Trustee shall not be entitled to payment or reimbursement for any
routine ongoing expenses incurred by the Trustee in the ordinary course of its
duties as Trustee, Certificate Registrar or Paying Agent hereunder or for any
other expenses.
Section 9.12 Appointment of Custodian. The Trustee may at any time
on or after the Closing Date, with the consent of the Depositor and the
Servicer, appoint one or more Custodians to hold all or a portion of the
Mortgage Files as agent for the Trustee, by entering into a custodial agreement
in a form acceptable to the Depositor and the Servicer. Subject to this Article
IX, the Trustee agrees to comply with the terms of each custodial agreement and
to enforce the terms and provisions thereof against the Custodian for the
benefit of the Certificateholders. Each Custodian shall be a depository
institution subject to supervision by federal or state authority, shall have a
combined capital and surplus of at least $10,000,000 and shall be qualified to
do business in the jurisdiction in which it holds any Mortgage File.
Notwithstanding the foregoing, to the extent the Trustee appoints
one or more Custodians with respect to more than 5% of the aggregate Pool Stated
Principal Balance, the Trustee shall cause such Custodian to prepare a separate
assessment and attestation report, as contemplated by Section 3.19 of this
Agreement and deliver such report to the Trustee as set forth in Section 3.22 of
this Agreement.
Section 9.13 Paying Agents. The Trustee may appoint one or more
Paying Agents (each, a "Paying Agent") which shall be authorized to act on
behalf of the Trustee in making withdrawals from the Certificate Account and
distributions to Certificateholders as provided in Section 3.08 and Section
5.02. Wherever reference is made in this Agreement to the withdrawal from the
Certificate Account by the Trustee, such reference shall be deemed to include
such a withdrawal on behalf of the Trustee by a Paying Agent. Initially, the
Paying Agent shall be Xxxxx Fargo Bank, N.A. Whenever reference is made in this
Agreement to a distribution by the Trustee or the furnishing of a statement to
Certificateholders by the Trustee, such reference shall be deemed to include
such a distribution or furnishing on behalf of the Trustee by a Paying Agent.
Each Paying Agent shall provide to the Trustee such information concerning the
Certificate Account as the Trustee shall request from time to time. Each Paying
Agent must be reasonably acceptable to the Servicer and must be a corporation or
banking association organized and doing business under the laws of the United
States of America or of any state, having (except in the case of the Trustee) a
principal office and place of business in New York, New York, having a combined
capital and surplus of at least $15,000,000, authorized under such laws to do a
trust business and subject to supervision or examination by federal or state
authorities.
Any corporation into which any Paying Agent may be merged or
converted or with which it may be consolidated, or any corporation resulting
from any merger, conversion or consolidation to which any Paying Agent shall be
a party, or any corporation succeeding to the corporate agency business of any
Paying Agent, shall continue to be the Paying Agent, provided that such
corporation after the consummation of such merger, conversion, consolidation or
succession meets the eligibility requirements of this Section 9.13.
Any Paying Agent may at any time resign by giving written notice of
resignation to the Trustee and to the Servicer; provided that the Paying Agent
has returned to the Certificate Account or otherwise accounted, to the
reasonable satisfaction of the Trustee, for all amounts it has withdrawn from
the Certificate Account. The Trustee may, upon prior written approval of the
Servicer, at any time terminate the agency of any Paying Agent by giving written
notice of termination to such Paying Agent and to the Servicer. Upon receiving a
notice of resignation or upon such a termination, or in case at any time any
Paying Agent shall cease to be eligible in accordance with the provisions of the
first paragraph of this Section 9.13, the Trustee may appoint, upon prior
written approval of the Servicer, a successor Paying Agent, shall give written
notice of such appointment to the Servicer and shall mail notice of such
appointment to all Certificateholders. Any successor Paying Agent upon
acceptance of its appointment hereunder shall become vested with all rights,
powers, duties and responsibilities of its predecessor hereunder, with like
effect as if originally named as Paying Agent. The Trustee shall remain liable
for any duties and obligations assumed by its appointed Paying Agent.
Section 9.14 Limitation of Liability. The Certificates are executed
by the Trustee, not in its individual capacity but solely as Trustee of the
Trust, in the exercise of the powers and authority conferred and vested in it by
this Agreement. Each of the undertakings and agreements made on the part of the
Trustee in the Certificates is made and intended not as a personal undertaking
or agreement by the Trustee but is made and intended for the purpose of binding
only the Trust.
Section 9.15 Trustee May Enforce Claims Without Possession of
Certificates. All rights of action and claims under this Agreement or the
Certificates may be prosecuted and enforced by the Trustee without the
possession of any of the Certificates or the production thereof in any
proceeding relating thereto, and such preceding instituted by the Trustee shall
be brought in its own name or in its capacity as Trustee. Any recovery of
judgment shall, after provision for the payment of the reasonable compensation,
expenses, disbursement and advances of the Trustee, its agents and counsel, be
for the ratable benefit of the Certificateholders in respect of which such
judgment has been recovered.
Section 9.16 Suits for Enforcement. In case an Event of Default or
other default by the Servicer or the Depositor hereunder shall occur and be
continuing, the Trustee, in its discretion, may proceed to protect and enforce
its rights and the rights of the Holders of Certificates under this Agreement by
a suit, action or proceeding in equity or at law or otherwise, whether for the
specific performance of any covenant or agreement contained in this Agreement or
in aid of the execution of any power granted in this Agreement or for the
enforcement of any other legal, equitable or other remedy, as the Trustee, being
advised by counsel, shall deem most effectual to protect and enforce any of the
rights of the Trustee and the Certificateholders.
Section 9.17 Waiver of Bond Requirement. The Trustee shall be
relieved of, and each Certificateholder hereby waives, any requirement of any
jurisdiction in which the Trust, or any part thereof, may be located that the
Trustee post a bond or other surety with any court, agency or body whatsoever.
Section 9.18 Waiver of Inventory, Accounting and Appraisal
Requirement. The Trustee shall be relieved of, and each Certificateholder hereby
waives, any requirement of any jurisdiction in which the Trust, or any part
thereof, may be located that the Trustee file any inventory, accounting or
appraisal of the Trust with any court, agency or body at any time or in any
manner whatsoever.
ARTICLE X
TERMINATION
Section 10.01 Termination upon Purchase by the Depositor or
Liquidation of All Mortgage Loans. Subject to Section 10.02, the respective
obligations and responsibilities of the Depositor, the Servicer and the Trustee
created hereby (other than the obligation of the Trustee to make certain
payments to Certificateholders after the Final Distribution Date and to send
certain notices as hereinafter set forth and the obligations of the Trustee
pursuant to Sections 5.04(b) and 5.05(b)) shall terminate upon the last action
required to be taken by the Trustee on the Final Distribution Date pursuant to
this Article X following the earlier of (a) the purchase by the Depositor of all
Mortgage Loans and all REO Property remaining in the Trust Estate at a price
equal to the sum of (i) 100% of the unpaid principal balance of each Mortgage
Loan (other than any Mortgage Loan as to which REO Property has been acquired
and whose fair market value is included pursuant to clause (ii) below), (ii) the
fair market value of such REO Property, plus any Class Unpaid Interest Shortfall
for any Class of Certificates and Component Unpaid Interest Shortfall for any
Component as well as one month's interest at the related Mortgage Interest Rate
on the unpaid principal balance of each Mortgage Loan (including any Mortgage
Loan as to which REO Property has been acquired) and (iii) any Reimbursement
Amount owed to the Trust pursuant to Section 2.04 or (b) the final payment or
other liquidation (or any advance with respect thereto) of the last Mortgage
Loan remaining in the Trust Estate or the disposition of all REO Property.
Regardless of the foregoing, in no event 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. Xxxxx, living on the date hereof.
The right of the Depositor to repurchase all of the Mortgage Loans
is conditioned upon (A) the aggregate Stated Principal Balance of the Mortgage
Loans as of such Final Distribution Date being less than 10% of the aggregate
Cut-off Date Pool Principal Balance and (B) the sum of clauses (a)(i) and (ii)
of the second preceding paragraph being less than or equal to the aggregate fair
market value of the Mortgage Loans (other than any Mortgage Loan as to which REO
Property has been acquired) and the REO Properties; provided, however, that this
clause (B) shall not apply to any purchase by the Depositor if, at the time of
the purchase, the Depositor is no longer subject to regulation by the OCC, the
FDIC, the Federal Reserve or the OTS. Fair market value for purposes of this
paragraph and the second preceding paragraph will be determined by the Depositor
as of the close of business on the third Business Day next preceding the date
upon which notice of any such termination is furnished to Certificateholders
pursuant to the fourth paragraph of this Article X. If such right is exercised,
the Trustee shall, promptly following payment of the purchase price, release to
the Depositor or its designee the Mortgage Files pertaining to the Mortgage
Loans being purchased.
Notice of any termination, specifying the Final Distribution Date
(which shall be a date that would otherwise be a Distribution Date) upon which
the Certificateholders may surrender their Certificates to the Trustee for
payment of the final distribution and for cancellation, shall be given promptly
by the Depositor (if exercising its right to purchase the assets of the Trust)
or by the Trustee (in any other case) by letter to Certificateholders 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 specifying (1) the Final
Distribution Date upon which final payment of the Certificates will be made upon
presentation and surrender of Certificates at the office or agency of the
Trustee therein designated, (2) the amount of any such final payment and (3)
that the Record Date otherwise applicable to such Distribution Date is not
applicable, payments being made only upon presentation and surrender of the
Certificates at the office or agency of the Trustee therein specified. If the
Depositor is obligated to give notice to Certificateholders as aforesaid, it
shall give such notice to the Trustee and the Certificate Registrar at the time
such notice is given to Certificateholders. In the event such notice is given by
the Depositor, the Depositor shall deposit in the Certificate Account on or
before the Final Distribution Date in immediately available funds an amount
equal to the amount necessary to make the amount, if any, on deposit in the
Certificate Account on the Final Distribution Date equal to the purchase price
for the related assets of the Trust computed as above provided together with a
statement as to the amount to be distributed on each Class of Certificates
pursuant to the next succeeding paragraph. Not less than five (5) Business Days
prior to the Final Distribution Date, the Trustee shall notify the Depositor of
the amount of any unpaid Reimbursement Amount owed to the Trust and the
Depositor shall deposit such amount in the Certificate Account not later than
the Business Day preceding the Final Distribution Date.
Upon presentation and surrender of the Certificates, the Trustee
shall cause to be distributed to Certificateholders of each Class, in the order
set forth in Section 5.02 hereof, on the Final Distribution Date and in
proportion to their respective Percentage Interests, with respect to
Certificateholders of the same Class, an amount equal to (I) as to each Class of
Certificates, the Class Certificate Balance thereof plus (a) accrued interest
thereon in the case of an interest bearing Certificate and (b) the applicable PO
Deferred Amount with respect to the PO Components, and (II) as to the Class
1-CB-R Certificate, the amounts, if any, which remain on deposit (or are deemed
to remain on deposit) in the Upper-Tier Certificate Sub-Account and the
Certificate Account, respectively (other than the amounts retained to meet
claims) after application pursuant to clause (I) above. An amount shall be
distributed in respect of interest and principal to the Uncertificated
Lower-Tier Interests in the same manner as principal and interest are
distributed to the Uncertificated Lower-Tier Interests as provided in Section
5.02.
If all of the Certificateholders do not surrender their Certificates
for final payment and cancellation on or before the Final Distribution Date, the
Trustee shall on such date cause all funds in the Certificate Account not
distributed in final distribution to Certificateholders of such Group to
continue to be held by the Trustee in an Eligible Account for the benefit of
such Certificateholders and the Depositor (if it exercised its right to purchase
the assets of the Trust Estate) or the Trustee (in any other case) 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 one year after the second notice all the applicable
Certificates shall not have been surrendered for cancellation, the Trustee may
take appropriate steps, or may appoint an agent to take appropriate steps, to
contact the remaining Certificateholders concerning surrender of their
Certificates, and the cost thereof shall be paid out of the funds on deposit in
such Eligible Account.
Section 10.02 Additional Termination Requirements. (a) If the
Depositor exercises its purchase option as provided in Section 10.01, the Trust
shall be terminated in accordance with the following additional requirements,
unless the Trustee has received an Opinion of Counsel 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" of the
Trust as defined in Section 860F of the Code, or (ii) cause the Trust Estate to
fail to qualify as two separate REMICs at any time that any Certificates are
outstanding:
(i) within 90 days prior to the Final Distribution Date set forth in
the notice given by the Depositor under Section 10.01, the Trustee shall
sell all of the assets of the Trust Estate to the Depositor for cash; and
(ii) the notice given by the Depositor or the Trustee pursuant to
Section 10.01 shall provide that such notice constitutes the adopting of a
plan of complete liquidation of the Upper-Tier REMIC and the Lower-Tier
REMIC as of the date of such notice (or, if earlier, the date on which
such notice was mailed to Certificateholders). The Trustee shall also
specify such date in the final tax returns of the Upper-Tier REMIC and the
Lower-Tier REMIC.
(b) By its acceptance of the Residual Certificate, the Holder
thereof hereby agrees to take such other action in connection with such plan of
complete liquidation as may be reasonably requested by the Depositor.
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment. This Agreement may be amended from time to
time by the Depositor, the Servicer and the Trustee without the consent of any
of the Certificateholders, (i) to cure any ambiguity or mistake, (ii) to correct
or supplement any provisions herein or therein which may be inconsistent with
any other provisions of this Agreement, any amendment to this Agreement or the
related Prospectus Supplement, (iii) to modify, eliminate or add to any of its
provisions to such extent as shall be necessary to maintain the qualification of
the Upper-Tier REMIC and the Lower-Tier REMIC as REMICs at all times that any
Certificates are outstanding or to avoid or minimize the risk of the imposition
of any tax on either REMIC pursuant to the Code that would be a claim against
the Trust Estate, provided that (a) the Trustee has received an Opinion of
Counsel to the effect that such action is necessary or desirable to maintain
such qualification or to avoid or minimize the risk of the imposition of any
such tax and (b) such action shall not, as evidenced by such Opinion of Counsel,
adversely affect in any material respect the interests of any Certificateholder,
(iv) to change the timing and/or nature of deposits into the Certificate Account
(and deemed deposits into the Upper-Tier Certificate Sub-Account), provided,
that (a) such change shall not, as evidenced by an Opinion of Counsel, adversely
affect in any material respect the interests of any Certificateholder and (b)
such change shall not adversely affect the then-current rating of the Senior
Certificates, the Class B-1 Certificates, the Class B-2 Certificates, the Class
B-3 Certificates, the Class B-4 Certificates or the Class B-5 Certificates, as
evidenced by a letter from each Rating Agency rating such Certificates to such
effect, and (v) to reduce the percentage of the aggregate Cut-off Date Pool
Principal Balance at which the Depositor will have the option to purchase all
the remaining Mortgage Loans in accordance with Section 10.01, provided that
such reduction is considered necessary by the Depositor, as evidenced by an
Officer's Certificate delivered to the Trustee, to preserve the treatment of the
transfer of the Mortgage Loans to the Depositor by the Seller or to the Trust by
the Depositor as sale for accounting purposes, and (vi) to make any other
provisions with respect to matters or questions arising under this Agreement
which shall not be materially inconsistent with the provisions of this
Agreement, provided that such action shall not, as evidenced by an Opinion of
Counsel, adversely affect in any material respect the interests of any
Certificateholder, provided that the amendment shall not be deemed to adversely
affect in any material respect the interests of the Certificateholders and no
Opinion of Counsel to that effect shall be required if the Person requesting the
amendment obtains a letter from each Rating Agency stating that the amendment
would not result in the downgrading or withdrawal of the respective ratings then
assigned to the Certificates.
This Agreement may also be amended from time to time by the
Depositor, the Servicer and the Trustee, with the consent of the Holders of
Certificates of each Class of Certificates which is affected by such amendment,
evidencing, as to each such Class of Certificates, Percentage Interests
aggregating not less than 66-2/3%, for the purpose of adding any provisions to
or changing in any manner or eliminating any of the provisions of this Agreement
or of modifying in any manner the rights of the Holders of such Certificates;
provided, however, that no such amendment shall (A) reduce in any manner the
amount of, or delay the timing of, collections of payments on Mortgage Loans or
distributions which are required to be made on any Certificate without the
consent of the Holder of such Certificate or (B) reduce the aforesaid percentage
required to consent to any such amendment, without the consent of the Holders of
all Certificates then Outstanding.
Prior to the solicitation of consent of Certificateholders in
connection with any such amendment, the party seeking such amendment shall
furnish the Trustee with an Opinion of Counsel to the effect that such amendment
would not subject either of the Upper-Tier REMIC or the Lower-Tier REMIC to any
tax or cause either of the Upper-Tier REMIC or the Lower-Tier REMIC to fail to
qualify as a REMIC. Notwithstanding any other provision of this Agreement, the
Trustee shall not consent to any amendment to this Agreement unless it shall
have first received such Opinion of Counsel.
Promptly after the execution of any such amendment or consent the
Trustee shall furnish written notification of the substance of or a copy of such
amendment to each Certificateholder and to each Rating Agency.
It shall not be necessary for the consent of Certificateholders
under this Section 11.01 to approve the particular form of any proposed
amendment, but it shall be sufficient if such consent shall approve the
substance thereof. The manner of obtaining such consents and of evidencing the
authorization of the execution thereof by Certificateholders shall be subject to
such reasonable requirements as the Trustee may prescribe.
Section 11.02 Recordation of Agreement. 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
Servicer and at its expense on direction by the Trustee, who will act at the
direction of Holders of Certificates evidencing not less than 50% of all Voting
Rights, but only upon direction of the Trustee accompanied by an Opinion of
Counsel to the effect that such recordation materially and beneficially affects
the interests of Certificateholders.
For the purpose of facilitating the recordation of this Agreement as
herein provided and for other purposes, this Agreement may be executed
simultaneously in any number of counterparts, each of which counterparts shall
be deemed to be an original, and such counterparts shall constitute but one and
the same instrument.
Section 11.03 Limitation on Rights of Certificateholders. The death
or incapacity of any Certificateholder shall not operate to terminate this
Agreement or the Trust, nor entitle such Certificateholder's legal
representatives or heirs to claim an accounting or to take any action or
commence any 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.
No Certificateholder shall have any right to vote (except as
provided herein) or in any manner otherwise control the operation and management
of the Trust, or the obligations of the parties hereto, nor shall anything
herein set forth, or contained in the terms of the Certificates, be construed so
as to constitute the Certificateholders from time to time as partners or members
of an association; nor shall any Certificateholder be under any liability to any
third person by reason of any action taken by the parties to this Agreement
pursuant to any provision hereof.
No Certificateholder shall have any right by virtue or by availing
itself of any provisions of this Agreement to institute any suit, action or
proceeding in equity or at law upon or under or with respect to this Agreement,
unless such Holder previously shall have given to the Trustee a written notice
of default and of the continuance thereof, as provided herein, and unless also
the Holders of Certificates evidencing Percentage Interests aggregating not less
than 25% of each Class of Certificates affected thereby shall have made written
request upon the Trustee to institute such action, suit or proceeding in its own
name as Trustee hereunder and shall have offered to the Trustee such reasonable
indemnity as it may require against the costs, expenses and liabilities to be
incurred therein or thereby, and the Trustee, for 60 days after its receipt of
such notice, request and offer of indemnity, shall have neglected or refused to
institute any such action, suit or proceeding; it being understood and intended,
and being expressly covenanted by each Certificateholder with every other
Certificateholder and the Trustee, that no one or more Holders of Certificates
shall have any right in any manner whatever by virtue or by availing itself or
themselves of any provisions of this Agreement to affect, disturb or prejudice
the rights of the Holders of any other of the Certificates, or to obtain or seek
to obtain priority over or preference to any other such Holder, or to enforce
any right under this Agreement, except in the manner herein provided and for the
equal, ratable and common benefit of all Certificateholders. For the protection
and enforcement of the provisions of this Section 11.03, each and every
Certificateholder and the Trustee shall be entitled to such relief as can be
given either at law or in equity.
Section 11.04 Governing Law. THIS AGREEMENT SHALL BE CONSTRUED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT APPLICATION OF THE
CONFLICTS OF LAWS PROVISIONS THEREOF, AND THE OBLIGATIONS, RIGHTS AND REMEDIES
OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.
Section 11.05 Notices. All demands, notices, instructions,
directions, requests and communications required to be delivered hereunder shall
be in writing and shall be deemed to have been duly given if personally
delivered at or mailed by certified mail, return receipt requested, (provided,
however, that notices to the Trustee may be delivered by facsimile and shall be
deemed effective upon receipt) to (a) in the case of the Depositor, Banc of
America Mortgage Securities, Inc., 000 Xxxxx Xxxxx Xxxxxx, Xxxxxxxxx, Xxxxx
Xxxxxxxx 00000, Attention: General Counsel and Chief Financial Officer, (b) in
the case of the Servicer, Bank of America, National Association, 000 Xxxxxxxxxx
Xxxxxxx, Xxxxxxxxx, Xxx Xxxx 00000-0000, Attention: Servicing Manager, with a
copy to: Bank of America, National Association, 000 Xxxxx Xxxxx Xxxxxx,
Xxxxxxxxx, Xxxxx Xxxxxxxx 00000, Attention: General Counsel and Chief Financial
Officer, (c) in the case of the Trustee, Xxxxx Fargo Bank, N.A., X.X. Xxx 00,
Xxxxxxxx, Xxxxxxxx 00000, Attention: BOALT, Series 2006-1, and for overnight
delivery purposes, Xxxxx Fargo Bank, N.A., 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx,
Xxxxxxxx 00000-0000, Attention: BOALT, Series 2006-1, with a copy to Xxxxx Fargo
Bank, N.A., Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx, Xxxxxxxxxxx, Xxxxxxxxx, 00000,
Attention: BOALT, Series 2006-1, (d) in the case of Moody's, Xxxxx'x Investors
Service, Inc., 00 Xxxxxx Xxxxxx, Xxx Xxxx, Xxx Xxxx 00000, Attention:
Residential Mortgage Monitoring Group and (e) in the case of Fitch, Fitch
Ratings, Xxx Xxxxx Xxxxxx Xxxxx, Xxx Xxxx, Xxx Xxxx 00000, Attention:
Residential Mortgage Surveillance Group; or, as to each party, at such other
address as shall be designated by such party in a written notice to each other
party. Any notice required or permitted to be mailed to a Certificateholder
shall be given by first class mail, postage prepaid, at the address of such
Holder as shown in the Certificate Register. Any notice so mailed within the
time prescribed in this Agreement shall be conclusively presumed to have been
duly given, whether or not the Certificateholder receives such notice.
Section 11.06 Severability of Provisions. If any one or more of the
covenants, agreements, provisions or terms of this Agreement shall be for any
reason whatsoever held invalid, then such covenants, agreements, provisions or
terms shall be deemed severable from the remaining covenants, agreements,
provisions or terms of this Agreement and shall in no way affect the validity or
enforceability of the other provisions of this Agreement or of the Certificates
or the rights of the Holders thereof.
Section 11.07 Certificates Nonassessable and Fully Paid. It is the
intention of the Trustee that Certificateholders shall not be personally liable
for obligations of the Trust Estate, that the beneficial ownership interests
represented by the Certificates shall be nonassessable for any losses or
expenses of the Trust Estate or for any reason whatsoever, and that Certificates
upon execution, authentication and delivery thereof by the Trustee pursuant to
Section 6.01 are and shall be deemed fully paid.
Section 11.08 Access to List of Certificateholders. The Certificate
Registrar will furnish or cause to be furnished to the Trustee, within 15 days
after the receipt of a request by the Trustee in writing, a list, in such form
as the Trustee may reasonably require, of the names and addresses of the
Certificateholders as of the most recent Record Date for payment of
distributions to Certificateholders.
If three or more Certificateholders apply in writing to the Trustee,
and such application states that the applicants desire to communicate with other
Certificateholders with respect to their rights under this Agreement or under
the Certificates and is accompanied by a copy of the communication which such
applicants propose to transmit, then the Trustee shall, within five Business
Days after the receipt of such application, afford such applicants access during
normal business hours to the most recent list of Certificateholders held by the
Trustee. If such a list is as of a date more than 90 days prior to the date of
receipt of such applicants' request, the Trustee shall promptly request from the
Certificate Registrar a current list as provided above, and shall afford such
applicants access to such list promptly upon receipt.
Every Certificateholder, by receiving and holding such list, agrees
with the Certificate Registrar and the Trustee that neither the Certificate
Registrar nor the Trustee shall be held accountable by reason of the disclosure
of any such information as to the names and addresses of the Certificateholders
hereunder, regardless of the source from which such information was derived.
Section 11.09 Recharacterization. The parties to this Agreement
intend the conveyance by the Depositor to the Trustee of all of its right, title
and interest in and to the Mortgage Loans pursuant to this Agreement to
constitute a purchase and sale and not a loan. Notwithstanding the foregoing, to
the extent that such conveyance is held not to constitute a sale under
applicable law, it is intended that this Agreement shall constitute a security
agreement under applicable law and that the Depositor shall be deemed to have
granted to the Trustee a first priority security interest in all of the
Depositor's right, title and interest in and to the Mortgage Loans.
Section 11.10 Insolvency. The Servicer, Depositor and Trustee shall
each notify the Depositor and the Trustee of any of the events enumerated in
Item 1.03 of Form 8-K with respect to any of the Servicer, Depositor or Trustee
at least two Business Days prior to the effective date thereof and shall provide
the Depositor and the Trustee with all information required by the Depositor to
comply with its reporting obligation under Item 1.03 of Form 8-K not later than
the effective date of any such event.
Section 11.11 Regulation AB Compliance; Intent of Parties;
Reasonableness. The parties hereto acknowledge that interpretations of the
requirements of Regulation AB may change over time, whether due to interpretive
guidance provided by the Securities and Exchange Commission or its staff,
consensus among participants in the asset-backed securities markets, advice of
counsel, or otherwise, and agree to comply with requests made by the Depositor
in good faith for delivery of information under these provisions on the basis of
evolving interpretations of Regulation AB. In connection with the Trust, the
Servicer and the Trustee shall cooperate fully with the Depositor to deliver to
the Depositor (including its assignees or designees), any and all statements,
reports, certifications, records and any other information available to such
party and reasonably necessary in the good faith determination of the Depositor
to permit the Depositor to comply with the provisions of Regulation AB, together
with such disclosures relating to the Servicer and the Trustee, as applicable,
reasonably believed by the Depositor to be necessary in order to effect such
compliance.
IN WITNESS WHEREOF, the Depositor, the Servicer and the Trustee have
caused this Agreement to be duly executed by their respective officers thereunto
duly authorized to be hereunto affixed, all as of the day and year first above
written.
BANC OF AMERICA MORTGAGE SECURITIES,
INC.,
as Depositor
By:____________________________________
Name: Xxxx Xxxxxx
Title: Vice President
BANK OF AMERICA, NATIONAL ASSOCIATION,
as Servicer
By:____________________________________
Name: Xxxxxxx X. Xxxxxxxx
Title: Senior Vice President
XXXXX FARGO BANK, N.A.,
as Trustee
By:____________________________________
Name: Xxxxxxxx X. Xxxxxxxxxx
Title: Assistant Vice President
STATE OF MARYLAND )
) ss.:
COUNTY OF BALTIMORE )
On the 30th day of January, 2006, before me, a notary public in and
for the State of Maryland, personally appeared Xxxxxxxx X. Xxxxxxxxxx, known to
me who, being by me duly sworn, did depose and say that she is a _______________
of Xxxxx Fargo Bank, N.A., a national banking association, one of the parties
that executed the foregoing instrument; and that she signed her name thereto by
order of the Board of Directors of such association.
______________________________________
Notary Public
[Notarial Seal]
My commission expires ____________.
STATE OF NORTH CAROLINA )
) ss.:
COUNTY OF MECKLENBURG )
On the 30th day of January, 2006, before me, a notary public in and
for the State of North Carolina, personally appeared Xxxx Xxxxxx, known to me
who, being by me duly sworn, did depose and say that she is a Vice President of
Banc of America Mortgage Securities, Inc. a Delaware corporation, one of the
parties that executed the foregoing instrument; and that she signed her name
thereto by order of the Board of Directors of such corporation.
______________________________________
Notary Public
[Notarial Seal]
My commission expires ____________.
STATE OF NORTH CAROLINA )
) ss.:
COUNTY OF )
On the 30th day of January, 2006, before me, a notary public in and
for the State of North Carolina, personally appeared Xxxxxxx X. Xxxxxxxx, known
to me who, being by me duly sworn, did depose and say that he is a Senior Vice
President of Bank of America, National Association, a national banking
association, one of the parties that executed the foregoing instrument; and that
he signed his name thereto by order of the Board of Directors of such
association.
______________________________________
Notary Public
[Notarial Seal]
My commission expires ____________.
EXHIBIT A-1-CB-1
[FORM OF FACE OF CLASS 1-CB-1 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 1-CB-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 1-CB-1
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $71,582,000.00
Pass-Through Rate: 6.000%
CUSIP No.: 05948K 2G 3
ISIN No.: US05948K2G39
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT A-1-CB-R
[FORM OF FACE OF CLASS 1-CB-R CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 1-CB-R
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL
INTEREST" IN TWO "REAL ESTATE MORTGAGE INVESTMENT CONDUITS," AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE").
THIS CLASS 1-CB-R CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY
EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW WHICH IS SIMILAR
TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR A PERSON ACTING ON BEHALF OF
OR INVESTING ASSETS OF A PLAN.
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN TAX RELATED TRANSFER
RESTRICTIONS DESCRIBED HEREIN AND IN THE POOLING AND SERVICING AGREEMENT. ANY
ATTEMPTED OR PURPORTED TRANSFER OF THIS RESIDUAL CERTIFICATE IN VIOLATION OF
SUCH RESTRICTIONS SHALL BE ABSOLUTELY NULL AND VOID AND SHALL VEST NO RIGHTS IN
THE PURPORTED TRANSFEREE.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 1-CB-R
evidencing a 100% Percentage Interest in the distributions allocable to the
Certificate of the above-referenced Class with respect to a Trust consisting
primarily of four loan groups (the "Mortgage Loans") secured by first liens on
one- to four-family residential properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $100.00
Pass-Through Rate: 6.000%
CUSIP No.: 05948K 2H 1
ISIN No.: US05948K2H12
THIS CERTIFIES THAT _________ is the registered owner of 100% Percentage
Interest evidenced by this Certificate in certain monthly distributions with
respect to a Trust consisting of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Any distribution of the proceeds of any remaining assets of the
Certificate Account will be made only upon presentment and surrender of this
Class 1-CB-R Certificate at the Corporate Trust Office.
Each Person who has or who acquires this Class 1-CB-R Certificate shall
be deemed by the acceptance or acquisition thereof to have agreed to be bound by
the following provisions and the rights of each Person acquiring this Class
1-CB-R Certificate are expressly subject to the following provisions: (i) each
Person holding or acquiring this Class 1-CB-R Certificate shall be a Permitted
Transferee and shall promptly notify the Trustee of any change or impending
change in its status as a Permitted Transferee; (ii) no Person shall acquire an
ownership interest in this Class 1-CB-R Certificate unless such ownership
interest is a pro rata undivided interest; (iii) in connection with any proposed
transfer of this Class 1-CB-R Certificate, the Trustee shall require delivery to
it, in form and substance satisfactory to it, of an affidavit in the form of
Exhibit I to the Pooling and Servicing Agreement; (iv) notwithstanding the
delivery of an affidavit by a proposed transferee under clause (iii) above, if a
Responsible Officer of the Trustee has actual knowledge that the proposed
transferee is not a Permitted Transferee, no transfer of any Ownership Interest
in this Residual Certificate to such proposed transferee shall be effected; (v)
this Residual Certificate may not be purchased by or transferred to any Person
that is not a U.S. Person, unless (A) such Person holds this Residual
Certificate in connection with the conduct of a trade or business within the
United States and furnishes the transferor and the Trustee with an effective
Internal Revenue Service Form W-8ECI (or any successor thereto) or (B) the
transferee delivers to both the transferor and the Trustee an Opinion of Counsel
from a nationally-recognized tax counsel to the effect that such transfer is in
accordance with the requirements of the Code and the regulations promulgated
thereunder and that such transfer of this Residual Certificate will not be
disregarded for federal income tax purposes; (vi) any attempted or purported
transfer of this Class 1-CB-R Certificate in violation of the provisions of such
restrictions shall be absolutely null and void and shall vest no rights in the
purported transferee; and (vii) if any Person other than a Permitted Transferee
acquires the Class 1-CB-R Certificate in violation of such restrictions, then
the Trustee, based on information provided to the Trustee by the Servicer, will
provide to the Internal Revenue Service, and to the Persons specified in Section
860E(e)(3) and (6) of the Code, information needed to compute the tax imposed
under Section 860E(e) of the Code on transfers of residual interests to
disqualified organizations.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT A-2-CB-1
[FORM OF FACE OF CLASS 2-CB-1 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 2-CB-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 2-CB-1
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $105,404,000.00
Pass-Through Rate: 6.000%
CUSIP No.: 05948K 2J 7
ISIN No.: US05948K2J77
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT A-3-CB-1
[FORM OF FACE OF CLASS 3-CB-1 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 3-CB-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 3-CB-1
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $94,235,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 05948K 2K 4
ISIN No.: US05948K2K41
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT A-4-CB-1
[FORM OF FACE OF CLASS 4-CB-1 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 4-CB-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class 4-CB-1
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $58,158,000.00
Pass-Through Rate: 6.500%
CUSIP No.: 05948K 2L 2
ISIN No.: US05948K2L24
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT A-CB-IO
[FORM OF FACE OF CLASS CB-IO CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class CB-IO
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, EACH COMPONENT OF 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").
REDUCTIONS OF THE NOTIONAL AMOUNT OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING NOTIONAL AMOUNT OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT
SET FORTH BELOW.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class CB-IO
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Notional Amount
of this Certificate
("Denomination"): $
Initial Notional
Amount of this Class: $6,055,128.00
CUSIP No.: 05948K 2M 0
ISIN No.: US05948K2M07
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Notional Amount of the Class to which this
Certificate belongs) in certain monthly distributions with respect to a Trust
consisting primarily of the Mortgage Loans deposited by Banc of America Mortgage
Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling
and Servicing Agreement, dated January 30, 2006 (the "Pooling and Servicing
Agreement"), among the Depositor, Bank of America, National Association, as
servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as trustee (the
"Trustee"). To the extent not defined herein, the capitalized terms used herein
have the meanings assigned in the Pooling and Servicing Agreement. This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
For purposes of determining accrued interest, the Class CB-IO
Certificates will be deemed to consist of four Components which are not
severable: the Class 1-CB-IO Component, the Class 2-CB-IO Component, the Class
3-CB-IO Component and the Class 4-CB-IO Component. Interest will accrue on each
Component on its Component Notional Amount as of any Distribution Date at a per
annum rate equal to 6.000%.
This Class CB-IO Certificate is not entitled to any distributions with
respect to principal.
This Certificate does not evidence an obligation of, or an interest in,
and is not guaranteed by the Depositor, the Servicer or the Trustee referred to
below or any of their respective affiliates. Neither this Certificate nor the
Mortgage Loans are guaranteed or insured by any governmental agency or
instrumentality.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT A-CB-PO
[FORM OF FACE OF CLASS CB-PO CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class CB-PO
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, EACH COMPONENT OF 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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class CB-PO
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $3,343,936.00
CUSIP No.: 05948K 2N 8
ISIN No.: US05948K2N89
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
For the purposes of determining distributions in reduction of Class
Certificate Balance, the Class CB-PO Certificates will be deemed to consist of
four components which are not severable (each, a "Component").
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
This Class CB-PO Certificate represents the right to receive principal
only.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT B-1
[FORM OF FACE OF CLASS B-1 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-1
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES
AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION WITHIN THE MEANING OF ERISA, SECTION 4975 OF
THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE
TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND
SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST
THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE
REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON
SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL
REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING
AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF
THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY
PURPORTED TRANSFEREE.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-1
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $5,912,000.00
Pass-Through Rate: Variable
CUSIP No.: 05948K 2P 3
ISIN No.: US05948K2P38
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
The Pass-Through Rate applicable with respect to each Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT B-2
[FORM OF FACE OF CLASS B-2 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-2
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES
AND THE CLASS B-1 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING
AGREEMENT.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION WITHIN THE MEANING OF ERISA, SECTION 4975 OF
THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE
TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND
SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST
THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE
REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON
SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL
REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING
AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF
THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY
PURPORTED TRANSFEREE.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-2
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $2,955,000.00
Pass-Through Rate: Variable
CUSIP No.: 05948K 2Q 1
ISIN No.: US05948K2Q11
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
The Pass-Through Rate applicable with respect to each Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT B-3
[FORM OF FACE OF CLASS B-3 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-3
[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR
ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY
CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME
AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE
TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES
AND THE CLASS B-1 AND CLASS B-2 CERTIFICATES AS DESCRIBED IN THE POOLING AND
SERVICING AGREEMENT.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION WITHIN THE MEANING OF ERISA, SECTION 4975 OF
THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE
TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND
SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST
THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE
REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON
SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL
REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING
AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF
THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY
PURPORTED TRANSFEREE.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-3
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $2,260,000.00
Pass-Through Rate: Variable
CUSIP No.: 05948K 2R 9
ISIN No.: US05948K2R93
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
The Pass-Through Rate applicable with respect to each Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT B-4
[FORM OF FACE OF CLASS B-4 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-4
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES
AND THE CLASS B-1, CLASS B-2 AND CLASS B-3 CERTIFICATES AS DESCRIBED IN THE
POOLING AND SERVICING AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION WITHIN THE MEANING OF ERISA, SECTION 4975 OF
THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE
TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND
SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST
THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE
REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON
SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL
REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING
AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF
THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY
PURPORTED TRANSFEREE.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-4
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,565,000.00
Pass-Through Rate: Variable
CUSIP No.: 05948K 2S 7
ISIN No.: US05948K2S76
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
The Pass-Through Rate applicable with respect to each Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor 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.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT B-5
[FORM OF FACE OF CLASS B-5 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-5
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES
AND THE CLASS B-1, CLASS B-2, CLASS B-3 AND CLASS B-4 CERTIFICATES AS DESCRIBED
IN THE POOLING AND SERVICING AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION WITHIN THE MEANING OF ERISA, SECTION 4975 OF
THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE
TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND
SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST
THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE
REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON
SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL
REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING
AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF
THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY
PURPORTED TRANSFEREE.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-5
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,217,000.00
Pass-Through Rate: Variable
CUSIP No.: 05948K 2T 5
ISIN No.: US05948K2T59
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
The Pass-Through Rate applicable with respect to each Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor 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.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT B-6
[FORM OF FACE OF CLASS B-6 CERTIFICATE]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-6
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").
REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY,
THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE
AMOUNT SET FORTH BELOW.
THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES
AND THE CLASS B-1, CLASS B-2, CLASS B-3, CLASS B-4 AND CLASS B-5 CERTIFICATES AS
DESCRIBED IN THE POOLING AND SERVICING AGREEMENT.
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT
REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION
EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE
WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT
ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS
AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW")
WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN
"PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW.
TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO
THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE
SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON
BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH
PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH
TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60
("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH
RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES
FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS
MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION
V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS
ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND
ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE
95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY
TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF
THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT PROHIBITED TRANSACTION WITHIN THE MEANING OF ERISA, SECTION 4975 OF
THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE
TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND
SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST
THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE
REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON
SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL
REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING
AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF
THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY
PURPORTED TRANSFEREE.
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates, Series 2006-1
Class B-6
evidencing an interest in a Trust consisting primarily of four loan groups (the
"Mortgage Loans") secured by first liens on one- to four-family residential
properties deposited by
Banc of America Mortgage Securities, Inc., as Depositor
Certificate No.:
Cut-off Date: January 1, 2006
First Distribution Date: February 27, 2006
Initial Certificate
Balance of this
Certificate
("Denomination"): $
Initial Class Certificate
Balance of this Class: $1,043,184.00
Pass-Through Rate: Variable
CUSIP No.: 05948K 2U 2
ISIN No.: US05948K2U23
THIS CERTIFIES THAT __________ is the registered owner of the Percentage
Interest evidenced by this Certificate (obtained by dividing the Denomination of
this Certificate by the Initial Class Certificate Balance of the Class to which
this Certificate belongs) in certain monthly distributions with respect to a
Trust consisting primarily of the Mortgage Loans deposited by Banc of America
Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a
Pooling and Servicing Agreement, dated January 30, 2006 (the "Pooling and
Servicing Agreement"), among the Depositor, Bank of America, National
Association, as servicer (the "Servicer"), and Xxxxx Fargo Bank, N.A., as
trustee (the "Trustee"). To the extent not defined herein, the capitalized terms
used herein have the meanings assigned in the Pooling and Servicing Agreement.
This Certificate is issued under and is subject to the terms, provisions and
conditions of the Pooling and Servicing Agreement, to which Pooling and
Servicing Agreement the Holder of this Certificate by virtue of the acceptance
hereof assents and by which such Holder is bound.
Principal in respect of this Certificate is distributable monthly as set
forth in the Pooling and Servicing Agreement. Accordingly, the Certificate
Balance of this Certificate at any time may be less than the Certificate Balance
as set forth herein. This Certificate does not evidence an obligation of, or an
interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee
referred to below or any of their respective affiliates. Neither this
Certificate nor the Mortgage Loans are guaranteed or insured by any governmental
agency or instrumentality.
The Pass-Through Rate applicable with respect to each Distribution Date
shall be determined as provided in the Pooling and Servicing Agreement.
No transfer of a Certificate of this Class shall be made unless such
transfer is exempt from the registration requirements of the Securities Act of
1933, as amended (the "1933 Act"), and any applicable state securities laws or
is made in accordance with the 1933 Act and such laws. In the event of any such
transfer, (i) unless the transfer is made in reliance on Rule 144A under the
1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel
(which may be in-house counsel) acceptable to and in form and substance
reasonably satisfactory to the Trustee and the Depositor that such transfer may
be made pursuant to an exemption, describing the applicable exemption and the
basis therefor, from the 1933 Act and such laws or is being made pursuant to the
1933 Act and such laws, which Opinion of Counsel shall not be an expense of the
Trustee or the Depositor and (ii) the Trustee shall require a certificate from
the Certificateholder desiring to effect such transfer substantially in the form
attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate
from such Certificateholder's prospective transferee substantially in the form
attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as
Exhibit G-2B, which certificates shall not be an expense of the Trustee or the
Depositor; provided that the foregoing requirements under clauses (i) and (ii)
shall not apply to a transfer of a Private Certificate between or among the
Depositor, the Seller, their affiliates or both. The Holder of a Private
Certificate desiring to effect such transfer shall, and does hereby agree to,
indemnify the Trustee and the Depositor 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.
Reference is hereby made to the further provisions of this Certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.
This Certificate shall not be entitled to any benefit under the Pooling
and Servicing Agreement or be valid for any purpose unless manually
authenticated by an authorized signatory of the Trustee.
* * *
EXHIBIT C
[FORM OF REVERSE OF ALL CERTIFICATES]
BANC OF AMERICA ALTERNATIVE LOAN TRUST 2006-1
Mortgage Pass-Through Certificates
This Certificate is one of a duly authorized issue of Certificates
designated as Banc of America Alternative Loan Trust 2006-1 Mortgage
Pass-Through Certificates, of the Series specified on the face hereof
(collectively, the "Certificates"), and representing a beneficial ownership
interest in the Trust created by the Pooling and Servicing Agreement.
The Certificateholder, by its acceptance of this Certificate, agrees
that it will look solely to the funds on deposit in the Certificate Account for
payment hereunder and that the Trustee is not liable to the Certificateholders
for any amount payable under this Certificate or the Pooling and Servicing
Agreement or, except as expressly provided in the Pooling and Servicing
Agreement, subject to any liability under the Pooling and Servicing Agreement.
This Certificate does not purport to summarize the Pooling and Servicing
Agreement and reference is made to the Pooling and Servicing Agreement for the
interests, rights and limitations of rights, benefits, obligations and duties
evidenced thereby, and the rights, duties and immunities of the Trustee.
Pursuant to the terms of the Pooling and Servicing Agreement, a
distribution will be made on the 25th day of each calendar month (or, if such
day is not a Business Day, the next Business Day) (each, a "Distribution Date"),
commencing on the first Distribution Date specified on the face hereof, to the
Person in whose name this Certificate is registered at the close of business on
the applicable Record Date in an amount required pursuant to the Pooling and
Servicing Agreement. The Record Date applicable to each Distribution Date is the
last Business Day of the month next preceding the month of such Distribution
Date.
On each Distribution Date, the Trustee shall distribute out of the
Certificate Account to each Certificateholder of record on the related Record
Date (other than respecting the final distribution) (a) by check mailed to such
Certificateholder entitled to receive a distribution on such Distribution Date
at the address appearing in the Certificate Register, or (b) upon written
request by the Holder of a Regular Certificate, by wire transfer or by such
other means of payment as such Certificateholder and the Trustee shall agree
upon, such Certificateholder's Percentage Interest in the amount to which the
related Class of Certificates is entitled in accordance with the priorities set
forth in Section 5.02 of the Pooling and Servicing Agreement. The final
distribution on each Certificate will be made in like manner, but only upon
presentation and surrender of such Certificate to the Trustee as contemplated by
Section 10.01 of the Pooling and Servicing Agreement.
The Pooling and Servicing Agreement permits, with certain exceptions
therein provided, the amendment thereof and the modification of the rights and
obligations of the Trustee and the rights of the Certificateholders under the
Pooling and Servicing Agreement at any time by the Depositor, the Servicer and
the Trustee with the consent of the Holders of Certificates affected by such
amendment evidencing the requisite Percentage Interest, as provided in the
Pooling and Servicing Agreement. Any such consent by the Holder of this
Certificate shall be conclusive and binding on such Holder and upon all future
Holders of this Certificate and of any Certificate issued upon the transfer
hereof or in exchange therefor or in lieu hereof whether or not notation of such
consent is made upon this Certificate. The Pooling and Servicing 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 Pooling and Servicing Agreement and subject to
certain limitations therein set forth, the transfer of this Certificate is
registrable in the Certificate Register of the Trustee upon surrender of this
Certificate for registration of transfer at the Corporate Trust Office
accompanied by a written instrument of transfer in form satisfactory to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's attorney duly authorized in writing, and thereupon one or more new
Certificates of the same Class in authorized denominations and evidencing the
same aggregate Percentage Interest in the Trust will be issued to the designated
transferee or transferees.
The Certificates are issuable only as registered Certificates without
coupons in denominations specified in the Pooling and Servicing Agreement. As
provided in the Pooling and Servicing Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations and evidencing the
same aggregate Percentage Interest, as requested by the Holder surrendering the
same.
No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.
The Depositor, the Servicer, the Certificate Registrar and the Trustee
and any agent of the Depositor, the Servicer, the Certificate Registrar or the
Trustee may treat the Person in whose name this Certificate is registered as the
owner hereof for all purposes, and none of the Depositor, the Servicer, the
Certificate Registrar, the Trustee or any such agent shall be affected by any
notice to the contrary.
On any Distribution Date on which the aggregate Stated Principal Balance
is less than 10% of the aggregate Cut-off Date Principal Balance, the Depositor
will have the option to repurchase, in whole, from the Trust all remaining
Mortgage Loans and all property acquired in respect of such Mortgage Loans at a
purchase price determined as provided in the Pooling and Servicing Agreement.
The 10% may be reduced by an amendment to the Pooling and Servicing Agreement
without Certificateholder consent under certain conditions set forth in the
Pooling and Servicing Agreement. In the event that no such optional repurchase
occurs, the obligations and responsibilities created by the Pooling and
Servicing Agreement will terminate upon the later of the maturity or other
liquidation (or any advance with respect thereto) of the last Mortgage Loan
remaining in the Trust or the disposition of all property in respect thereof and
the distribution to Certificateholders of all amounts required to be distributed
pursuant to the Pooling and Servicing Agreement. In no event shall the Trust
created by the Pooling and Servicing Agreement 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. Xxxxx,
living on the date thereof.
Any term used herein that is defined in the Pooling and Servicing
Agreement shall have the meaning assigned in the Pooling and Servicing
Agreement, and nothing herein shall be deemed inconsistent with that meaning.
IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed.
Dated:
XXXXX FARGO BANK, N.A.,
as Trustee
By_________________________________
Authorized Signatory
CERTIFICATE OF AUTHENTICATION
This is one of the Certificates referred to in the Pooling and Servicing
Agreement referenced herein.
XXXXX FARGO BANK, N.A.,
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)
the Percentage Interest evidenced by the within Certificate and hereby
authorizes the transfer of registration of such Percentage Interest to assignee
on the Certificate Register of the Trust.
I (We) further direct the Trustee 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
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 D-1
MORTGAGE LOAN SCHEDULE
(LOAN GROUP 1)
[LOGO - Bank of America]
BOAALT 2006-01
Group 1:
Mortgage Schedule
Loan Property
Number Type Occupancy
--------------------------------------------------------------------------------
3302038884 CL Investment (Non-Owner Occupied)
3302714393 Single Family Investment (Non-Owner Occupied)
3302766278 PUD Detached Investment (Non-Owner Occupied)
3302880236 PUD Detached Investment (Non-Owner Occupied)
3303000594 Two Family Investment (Non-Owner Occupied)
3303081875 PUD Attached Investment (Non-Owner Occupied)
3303142867 Single Family Investment (Non-Owner Occupied)
3303147247 CL Investment (Non-Owner Occupied)
3303156818 Single Family Investment (Non-Owner Occupied)
3303204402 Two Family Investment (Non-Owner Occupied)
3303212181 Single Family Investment (Non-Owner Occupied)
3303214708 Single Family Investment (Non-Owner Occupied)
3303220416 Single Family Investment (Non-Owner Occupied)
3303227759 Single Family Investment (Non-Owner Occupied)
3303229508 PUD Attached Investment (Non-Owner Occupied)
3303263010 Single Family Investment (Non-Owner Occupied)
3303311553 Four Family Investment (Non-Owner Occupied)
3303332641 CL Investment (Non-Owner Occupied)
3303337830 Single Family Investment (Non-Owner Occupied)
3303347821 Two Family Investment (Non-Owner Occupied)
3303365971 Single Family Investment (Non-Owner Occupied)
3303372472 CL Investment (Non-Owner Occupied)
3303374908 Two Family Investment (Non-Owner Occupied)
3303376770 Single Family Investment (Non-Owner Occupied)
3303386472 Four Family Investment (Non-Owner Occupied)
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3303390078 PUD Attached Investment (Non-Owner Occupied)
3303393148 Two Family Investment (Non-Owner Occupied)
3303393197 Two Family Investment (Non-Owner Occupied)
3303398410 Single Family Investment (Non-Owner Occupied)
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3303399715 PUD Attached Investment (Non-Owner Occupied)
3303401701 Single Family Investment (Non-Owner Occupied)
3303402980 Single Family Investment (Non-Owner Occupied)
3303403194 Single Family Investment (Non-Owner Occupied)
3303412658 Single Family Investment (Non-Owner Occupied)
3303414928 Single Family Investment (Non-Owner Occupied)
3303416386 PUD Attached Investment (Non-Owner Occupied)
3303416394 PUD Attached Investment (Non-Owner Occupied)
3303418085 Single Family Investment (Non-Owner Occupied)
3303426385 Two Family Investment (Non-Owner Occupied)
3303426427 Single Family Investment (Non-Owner Occupied)
3303427383 Single Family Investment (Non-Owner Occupied)
3303428084 Single Family Investment (Non-Owner Occupied)
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3303438919 Single Family Investment (Non-Owner Occupied)
3303439024 Single Family Investment (Non-Owner Occupied)
3303440980 Two Family Investment (Non-Owner Occupied)
3303445427 CL Investment (Non-Owner Occupied)
3303447621 Condo Highrise Investment (Non-Owner Occupied)
3303449387 Single Family Investment (Non-Owner Occupied)
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3303457323 Single Family Investment (Non-Owner Occupied)
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3303462083 Single Family Investment (Non-Owner Occupied)
3303465474 Two Family Investment (Non-Owner Occupied)
3303465649 CL Investment (Non-Owner Occupied)
3303466464 Single Family Investment (Non-Owner Occupied)
3303482230 Single Family Investment (Non-Owner Occupied)
3303486561 Single Family Investment (Non-Owner Occupied)
3303487429 Single Family Investment (Non-Owner Occupied)
3303489425 Single Family Investment (Non-Owner Occupied)
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3303495984 Two Family Investment (Non-Owner Occupied)
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3303499242 Two Family Investment (Non-Owner Occupied)
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3303502227 Single Family Investment (Non-Owner Occupied)
3303502417 Two Family Investment (Non-Owner Occupied)
3303502623 Single Family Investment (Non-Owner Occupied)
3303503019 Single Family Investment (Non-Owner Occupied)
3303505386 Single Family Investment (Non-Owner Occupied)
3303507523 Four Family Investment (Non-Owner Occupied)
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3303515740 Single Family Investment (Non-Owner Occupied)
3303517050 Single Family Investment (Non-Owner Occupied)
3303517720 Single Family Investment (Non-Owner Occupied)
3303518561 Three Family Investment (Non-Owner Occupied)
3303520088 Single Family Investment (Non-Owner Occupied)
3303520302 CL Investment (Non-Owner Occupied)
3303525137 Single Family Investment (Non-Owner Occupied)
3303525368 Two Family Investment (Non-Owner Occupied)
3303525921 Single Family Investment (Non-Owner Occupied)
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3303534832 Single Family Investment (Non-Owner Occupied)
3303535011 Four Family Investment (Non-Owner Occupied)
3303538056 CL Investment (Non-Owner Occupied)
3303541449 Single Family Investment (Non-Owner Occupied)
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3303544930 Two Family Investment (Non-Owner Occupied)
3303546026 Single Family Investment (Non-Owner Occupied)
3303548311 Single Family Investment (Non-Owner Occupied)
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3303554665 Single Family Investment (Non-Owner Occupied)
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3303561504 Single Family Investment (Non-Owner Occupied)
3303567311 PUD Attached Investment (Non-Owner Occupied)
3303567451 Single Family Investment (Non-Owner Occupied)
3303568871 Single Family Investment (Non-Owner Occupied)
3303572402 Single Family Investment (Non-Owner Occupied)
3303572683 Two Family Investment (Non-Owner Occupied)
3303577864 Single Family Investment (Non-Owner Occupied)
3303584126 Single Family Investment (Non-Owner Occupied)
3303586105 Single Family Investment (Non-Owner Occupied)
3303586717 Single Family Investment (Non-Owner Occupied)
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3303593358 Single Family Investment (Non-Owner Occupied)
3303596344 Single Family Investment (Non-Owner Occupied)
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3303596690 Single Family Investment (Non-Owner Occupied)
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3303607372 Single Family Investment (Non-Owner Occupied)
3303623254 Single Family Investment (Non-Owner Occupied)
3303638088 Single Family Investment (Non-Owner Occupied)
3303639920 Single Family Investment (Non-Owner Occupied)
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6010937941 Two Family Investment (Non-Owner Occupied)
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6093827654 CL Investment (Non-Owner Occupied)
6099303023 Single Family Investment (Non-Owner Occupied)
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6105559980 Three Family Investment (Non-Owner Occupied)
6106346833 CL Investment (Non-Owner Occupied)
6111352149 Single Family Investment (Non-Owner Occupied)
6111367865 Single Family Investment (Non-Owner Occupied)
6111711880 CL Investment (Non-Owner Occupied)
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6119048889 Two Family Investment (Non-Owner Occupied)
6122564526 Single Family Investment (Non-Owner Occupied)
6123693787 Single Family Investment (Non-Owner Occupied)
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6142844759 Four Family Investment (Non-Owner Occupied)
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6186869183 Single Family Investment (Non-Owner Occupied)
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6200059407 Single Family Investment (Non-Owner Occupied)
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6218104757 Two Family Investment (Non-Owner Occupied)
6220287152 CL Investment (Non-Owner Occupied)
6224155777 Single Family Investment (Non-Owner Occupied)
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6237620395 Four Family Investment (Non-Owner Occupied)
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6244413727 Two Family Investment (Non-Owner Occupied)
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6249563617 Two Family Investment (Non-Owner Occupied)
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6257620176 Two Family Investment (Non-Owner Occupied)
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6269390768 Four Family Investment (Non-Owner Occupied)
6271747187 Single Family Investment (Non-Owner Occupied)
6272724631 Single Family Investment (Non-Owner Occupied)
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6279727918 PUD Attached Investment (Non-Owner Occupied)
6279937418 PUD Detached Investment (Non-Owner Occupied)
6283158001 Single Family Investment (Non-Owner Occupied)
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6286583452 Single Family Investment (Non-Owner Occupied)
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6302032807 Two Family Investment (Non-Owner Occupied)
6306092740 CL Investment (Non-Owner Occupied)
6315783339 Two Family Investment (Non-Owner Occupied)
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6319919848 Single Family Investment (Non-Owner Occupied)
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6526057911 PUD Detached Investment (Non-Owner Occupied)
6526652877 PUD Detached Investment (Non-Owner Occupied)
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6848351224 Two Family Investment (Non-Owner Occupied)
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6881216011 Two Family Investment (Non-Owner Occupied)
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6891863349 Single Family Investment (Non-Owner Occupied)
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6903017868 Single Family Investment (Non-Owner Occupied)
6908690586 Single Family Investment (Non-Owner Occupied)
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6909958404 Single Family Investment (Non-Owner Occupied)
6911144050 Single Family Investment (Non-Owner Occupied)
6914238230 Four Family Investment (Non-Owner Occupied)
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6915972647 Single Family Investment (Non-Owner Occupied)
6917291608 Single Family Investment (Non-Owner Occupied)
6920465637 PUD Detached Investment (Non-Owner Occupied)
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6923793498 Two Family Investment (Non-Owner Occupied)
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6952511340 Single Family Investment (Non-Owner Occupied)
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Loan Loan Doc Original
Number Purpose Type LTV (%)
--------------------------------------------------------------------------------
3302038884 Purchase No Ratio 80.00
3302714393 Refinance_Equity_Takeout Paper Saver 72.46
3302766278 Refinance_No_Cash_Out Paper Saver 26.41
3302880236 Purchase Paper Saver 71.02
3303000594 Purchase No Ratio 80.00
3303081875 Purchase Rapid 90.00
3303142867 Purchase Paper Saver 78.94
3303147247 Refinance_Equity_Takeout Paper Saver 78.25
3303156818 Refinance_Equity_Takeout Paper Saver 71.06
3303204402 Purchase Standard 80.00
3303212181 Refinance_Equity_Takeout Standard 69.73
3303214708 Refinance_Equity_Takeout Standard 58.24
3303220416 Refinance_Equity_Takeout Paper Saver 69.99
3303227759 Refinance_Equity_Takeout Standard 40.89
3303229508 Purchase Paper Saver 80.00
3303263010 Purchase Paper Saver 79.82
3303311553 Purchase Standard 74.96
3303332641 Refinance_Equity_Takeout Standard 70.00
3303337830 Refinance_No_Cash_Out Standard 35.74
3303347821 Purchase No Ratio 80.00
3303365971 Purchase Paper Saver 49.44
3303372472 Refinance_Equity_Takeout Standard 57.32
3303374908 Purchase No Ratio 69.76
3303376770 Refinance_Equity_Takeout Paper Saver 74.01
3303386472 Purchase Standard 75.00
3303388858 Purchase Standard 75.00
3303390078 Purchase Paper Saver 80.00
3303393148 Purchase Standard 80.00
3303393197 Purchase Standard 79.34
3303398410 Refinance_Equity_Takeout Paper Saver 62.00
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Original
Loan Mortgage Interest Principal First Payment Maturity
Number Rate (%) Balance ($) Date Date
--------------------------------------------------------------------------------
3302038884 6.5 104,000.00 2/1/2006 1/1/2036
3302714393 6.5 200,000.00 2/1/2006 1/1/2036
3302766278 5.875 103,000.00 10/1/2005 9/1/2035
3302880236 6.25 80,900.00 11/1/2005 10/1/2035
3303000594 6.25 226,400.00 10/1/2005 9/1/2035
3303081875 6.25 45,000.00 1/1/2006 12/1/2035
3303142867 5.75 150,000.00 11/1/2005 10/1/2035
3303147247 5.75 64,169.00 1/1/2006 12/1/2035
3303156818 5.75 281,401.00 11/1/2005 10/1/2035
3303204402 6 100,000.00 11/1/2005 10/1/2035
3303212181 6.125 159,000.00 1/1/2006 12/1/2035
3303214708 6.125 106,000.00 1/1/2006 12/1/2035
3303220416 6 142,989.00 1/1/2006 12/1/2035
3303227759 6.25 220,000.00 12/1/2005 11/1/2035
3303229508 6.5 215,120.00 2/1/2006 1/1/2036
3303263010 6.375 248,000.00 2/1/2006 1/1/2036
3303311553 6.375 56,900.00 2/1/2006 1/1/2036
3303332641 6.5 86,100.00 1/1/2006 12/1/2035
3303337830 6.25 55,769.00 2/1/2006 1/1/2036
3303347821 6.5 184,800.00 1/1/2006 12/1/2035
3303365971 6.5 106,900.00 12/1/2005 11/1/2035
3303372472 6.5 92,300.00 2/1/2006 1/1/2036
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6627532846 6.25 193,000.00 1/1/2006 12/1/2035
6630558150 6.5 153,999.00 2/1/2006 1/1/2036
6634426347 6.5 260,000.00 2/1/2006 1/1/2036
6634677576 6.125 138,792.00 2/1/2006 1/1/2036
6639114971 6.5 279,000.00 1/1/2006 12/1/2035
6639396644 6.375 345,000.00 1/1/2006 12/1/2035
6641755183 6.375 358,000.00 1/1/2006 12/1/2035
6642619750 6.375 28,000.00 2/1/2006 1/1/2036
6650501460 6.375 79,100.00 1/1/2006 12/1/2035
6659013152 6.375 264,000.00 1/1/2006 12/1/2035
6660986420 6.5 192,000.00 2/1/2006 1/1/2036
6661939220 6.5 184,000.00 2/1/2006 1/1/2036
6663778790 6.375 180,000.00 12/1/2005 11/1/2035
6664091128 6.5 51,100.00 2/1/2006 1/1/2036
6664485718 6.25 300,000.00 1/1/2006 12/1/2035
6664990279 6.375 150,000.00 1/1/2006 12/1/2035
6666009987 6.375 59,920.00 2/1/2006 1/1/2036
6666392771 6.5 74,400.00 2/1/2006 1/1/2036
6668884395 6.5 67,710.00 2/1/2006 1/1/2036
6669741628 6.375 200,000.00 2/1/2006 1/1/2036
6674600975 6.5 133,000.00 1/1/2006 12/1/2035
6676258566 6.25 103,500.00 12/1/2005 11/1/2035
6679554573 6.375 25,600.00 2/1/2006 1/1/2036
6685076132 6.375 129,700.00 1/1/2006 12/1/2035
6685974187 5.875 100,000.00 2/1/2006 1/1/2036
6687859600 6.5 410,000.00 1/1/2006 12/1/2035
6690735037 6.5 135,304.00 1/1/2006 12/1/2035
6693393545 6.25 101,250.00 1/1/2006 12/1/2035
6695300605 6.5 148,000.00 1/1/2006 12/1/2035
6695437746 6.5 147,000.00 2/1/2006 1/1/2036
6695900016 6.5 200,000.00 1/1/2006 12/1/2035
6697766902 6.125 121,600.00 1/1/2006 12/1/2035
6703296753 6.5 36,399.00 1/1/2006 12/1/2035
6708072316 6.375 113,600.00 1/1/2006 12/1/2035
6708985913 6.375 98,325.13 2/1/2006 1/1/2036
6711493640 6.5 257,600.00 1/1/2006 12/1/2035
6718755108 6.375 85,300.00 1/1/2006 12/1/2035
0000000000 6.5 200,000.00 2/1/2006 1/1/2036
6728578078 6.375 110,593.00 2/1/2006 1/1/2036
6730426951 6.375 304,500.00 2/1/2006 1/1/2036
6740483398 6 69,000.00 1/1/2006 12/1/2035
6741407867 6 203,000.00 12/1/2005 11/1/2035
6743627272 6 168,000.00 2/1/2006 1/1/2036
0000000000 6.25 266,000.00 1/1/2006 12/1/2035
6744473056 6.5 120,000.00 2/1/2006 1/1/2036
6745181443 6.375 83,000.00 1/1/2006 12/1/2035
6746458980 6.375 100,000.00 1/1/2006 12/1/2035
6747488952 6.375 28,000.00 2/1/2006 1/1/2036
0000000000 6.25 127,500.00 1/1/2006 12/1/2035
6752258183 6.5 89,550.00 2/1/2006 1/1/2036
6759717843 6.5 260,000.00 1/1/2006 12/1/2035
0000000000 6.5 350,000.00 2/1/2006 1/1/2036
6762414701 6.5 234,500.00 2/1/2006 1/1/2036
6764118151 6.25 116,000.00 11/1/2005 10/1/2035
6770670948 6 40,000.00 2/1/2006 1/1/2036
6771796916 6.125 160,000.00 1/1/2006 12/1/2035
6775537761 6.375 94,400.00 1/1/2006 12/1/2035
6775595272 5.875 178,500.00 1/1/2006 12/1/2035
6775719567 6.25 104,000.00 10/1/2005 9/1/2035
6777449676 6.375 84,150.00 2/1/2006 1/1/2036
6781616229 6.5 40,000.00 1/1/2006 12/1/2035
6781780975 5.75 120,000.00 1/1/2006 12/1/2035
6786789682 6.25 87,920.00 1/1/2006 12/1/2035
6787047734 6.375 86,000.00 1/1/2006 12/1/2035
6788538996 6.25 171,250.00 1/1/2006 12/1/2035
6792020577 6.5 34,695.00 2/1/2006 1/1/2036
6792074277 6.25 96,000.00 1/1/2006 12/1/2035
6801410835 6.5 162,000.00 1/1/2006 12/1/2035
6804211230 6.5 87,750.00 1/1/2006 12/1/2035
0000000000 6.5 21,000.00 1/1/2006 12/1/2035
6809543561 5.875 280,000.00 2/1/2006 1/1/2036
6813533350 6.125 114,400.00 1/1/2006 12/1/2035
0000000000 6.25 65,600.00 1/1/2006 12/1/2035
6816644386 6.25 380,000.00 1/1/2006 12/1/2035
6820472824 6.5 54,000.00 1/1/2006 12/1/2035
6827093656 6.25 140,000.00 1/1/2006 12/1/2035
6827704179 6.375 184,000.00 2/1/2006 1/1/2036
6828349339 6.125 70,400.00 12/1/2005 11/1/2035
6828989720 6.25 156,000.00 2/1/2006 1/1/2036
6831898892 6.5 73,661.00 2/1/2006 1/1/2036
6832157645 6.5 217,500.00 2/1/2006 1/1/2036
0000000000 6.5 310,000.00 1/1/2006 12/1/2035
6836973278 6.375 364,000.00 1/1/2006 12/1/2035
6838420302 6.5 78,000.00 2/1/2006 1/1/2036
6840353814 6.25 112,500.00 1/1/2006 12/1/2035
6842611987 6.25 62,400.00 1/1/2006 12/1/2035
6844199908 6.375 280,000.00 1/1/2006 12/1/2035
0000000000 6.25 328,000.00 2/1/2006 1/1/2036
6846019047 6.5 100,000.00 2/1/2006 1/1/2036
6848030216 6.375 149,003.00 1/1/2006 12/1/2035
6848351224 6.5 100,000.00 1/1/2006 12/1/2035
6852955258 6.25 65,600.00 1/1/2006 12/1/2035
6855279268 6.25 200,000.00 2/1/2006 1/1/2036
0000000000 6.25 75,000.00 2/1/2006 1/1/2036
6860841615 6.375 88,700.00 1/1/2006 12/1/2035
6861907027 5.875 245,000.00 1/1/2006 12/1/2035
6866534784 6.5 250,000.00 2/1/2006 1/1/2036
6867838572 6.5 50,500.00 1/1/2006 12/1/2035
6868676187 6.25 98,800.00 1/1/2006 12/1/2035
6874297804 6.25 110,000.00 2/1/2006 1/1/2036
6875679661 6.25 305,000.00 2/1/2006 1/1/2036
6879676143 6.5 127,968.00 1/1/2006 12/1/2035
6881216011 6.5 80,000.00 2/1/2006 1/1/2036
6882055772 6.25 100,000.00 2/1/2006 1/1/2036
0000000000 5.875 155,000.00 1/1/2006 12/1/2035
6888789077 5.875 90,000.00 1/1/2006 12/1/2035
6891863349 6.25 232,000.00 1/1/2006 12/1/2035
6892121648 5.875 258,750.00 2/1/2006 1/1/2036
6892612000 6.25 217,500.00 2/1/2006 1/1/2036
6893849643 5.875 264,000.00 1/1/2006 12/1/2035
6895849716 6.375 80,000.00 1/1/2006 12/1/2035
6897816234 6.5 250,000.00 2/1/2006 1/1/2036
6903017868 6.25 88,000.00 1/1/2006 12/1/2035
6908690586 6 103,500.00 10/1/2005 9/1/2035
6909529452 6.25 117,600.00 1/1/2006 12/1/2035
6909958404 6.5 152,000.00 1/1/2006 12/1/2035
6911144050 6.375 187,500.00 1/1/2006 12/1/2035
6914238230 6.125 521,250.00 1/1/2006 12/1/2035
0000000000 6.375 113,600.00 2/1/2006 1/1/2036
6915972647 6.5 159,200.00 2/1/2006 1/1/2036
6917291608 5.875 60,000.00 1/1/2006 12/1/2035
6920465637 6.5 182,400.00 2/1/2006 1/1/2036
6922608523 5.875 163,000.00 2/1/2006 1/1/2036
6923793498 6.25 182,000.00 1/1/2006 12/1/2035
0000000000 6.5 177,000.00 2/1/2006 1/1/2036
6925317460 6.5 90,800.00 1/1/2006 12/1/2035
6927985322 6.5 200,000.00 1/1/2006 12/1/2035
6928030177 6.375 179,825.00 2/1/2006 1/1/2036
6930561110 6.25 184,900.00 2/1/2006 1/1/2036
6940398024 6.25 131,000.00 1/1/2006 12/1/2035
6942294387 6.375 135,000.00 1/1/2006 12/1/2035
6944201877 6.5 158,318.00 1/1/2006 12/1/2035
6945834718 6.5 150,000.00 2/1/2006 1/1/2036
6947266133 6.5 233,663.00 2/1/2006 1/1/2036
6952511340 6.125 100,000.00 1/1/2006 12/1/2035
0000000000 6.375 229,500.00 1/1/2006 12/1/2035
6958279397 6.25 187,500.00 2/1/2006 1/1/2036
6966355825 6.25 316,000.00 1/1/2006 12/1/2035
6972571894 6.25 120,000.00 1/1/2006 12/1/2035
6973840488 6.5 104,300.00 1/1/2006 12/1/2035
6974382050 6.5 27,000.00 1/1/2006 12/1/2035
6974584861 6.375 75,000.00 2/1/2006 1/1/2036
6981491902 6.375 211,900.00 2/1/2006 1/1/2036
6986440656 6.125 50,000.00 1/1/2006 12/1/2035
6987910640 6.375 129,000.00 1/1/2006 12/1/2035
6988565500 6 160,000.00 2/1/2006 1/1/2036
6988822638 5.75 87,500.00 1/1/2006 12/1/2035
6994602917 6.25 284,250.00 1/1/2006 12/1/2035
Loan Original Monthly Current Closing
Number Term (Months) Payments ($) Due Date Date
--------------------------------------------------------------------------------
3302038884 360 657.36 3/1/2006 12/2/2005
3302714393 360 1,264.14 2/1/2006 12/12/2005
3302766278 360 609.29 3/1/2006 8/23/2005
3302880236 360 498.12 2/1/2006 9/7/2005
3303000594 360 1,393.99 3/1/2006 8/26/2005
3303081875 360 277.08 1/1/2006 11/22/2005
3303142867 360 875.36 3/1/2006 9/30/2005
3303147247 360 374.48 3/1/2006 11/8/2005
3303156818 360 1,642.18 3/1/2006 9/30/2005
3303204402 360 599.56 2/1/2006 9/23/2005
3303212181 360 966.11 3/1/2006 11/30/2005
3303214708 360 644.07 3/1/2006 11/30/2005
3303220416 360 857.30 3/1/2006 11/22/2005
3303227759 360 1,354.58 2/1/2006 10/31/2005
3303229508 360 1,359.71 3/1/2006 12/16/2005
3303263010 360 1,547.20 3/1/2006 12/12/2005
3303311553 360 354.99 3/1/2006 12/8/2005
3303332641 360 544.22 3/1/2006 11/30/2005
3303337830 360 343.38 2/1/2006 12/8/2005
3303347821 360 1,168.07 2/1/2006 11/10/2005
3303365971 360 675.69 2/1/2006 10/31/2005
3303372472 360 583.40 3/1/2006 12/16/2005
3303374908 360 935.81 3/1/2006 11/23/2005
3303376770 360 500.60 3/1/2006 12/21/2005
3303386472 360 2,554.75 3/1/2006 11/17/2005
3303388858 360 1,500.82 3/1/2006 11/30/2005
3303390078 360 1,412.90 2/1/2006 12/8/2005
3303393148 360 527.55 3/1/2006 11/29/2005
3303393197 360 1,026.41 3/1/2006 12/1/2005
3303398410 360 904.54 3/1/2006 12/19/2005
3303398840 360 760.94 2/1/2006 11/29/2005
3303399715 360 651.95 3/1/2006 11/30/2005
3303401701 360 600.47 3/1/2006 12/21/2005
3303402980 360 621.51 2/1/2006 11/21/2005
3303403194 360 604.95 3/1/2006 11/30/2005
3303412658 360 421.12 2/1/2006 11/10/2005
3303414928 360 809.05 3/1/2006 11/21/2005
3303416386 360 530.94 3/1/2006 12/16/2005
3303416394 360 530.94 3/1/2006 12/16/2005
3303418085 360 970.23 3/1/2006 11/30/2005
3303426385 360 359.74 3/1/2006 12/6/2005
3303426427 360 274.19 3/1/2006 11/30/2005
3303427383 360 311.94 3/1/2006 12/5/2005
3303428084 360 530.45 3/1/2006 11/30/2005
3303430684 360 835.00 3/1/2006 12/5/2005
3303438919 360 1,171.86 3/1/2006 12/7/2005
3303439024 360 1,440.04 2/1/2006 11/22/2005
3303440980 360 992.37 3/1/2006 12/2/2005
3303445427 360 518.30 3/1/2006 12/8/2005
3303447621 360 1,390.48 3/1/2006 12/1/2005
3303449387 360 774.81 3/1/2006 12/6/2005
3303453066 360 474.06 3/1/2006 12/1/2005
3303454171 360 442.45 3/1/2006 12/5/2005
3303457323 360 1,230.55 3/1/2006 11/28/2005
3303460897 300 339.74 3/1/2006 12/1/2005
3303462083 360 429.93 2/1/2006 11/29/2005
3303465474 360 1,883.75 3/1/2006 11/22/2005
3303465649 360 577.24 2/1/2006 12/6/2005
3303466464 360 1,145.15 3/1/2006 11/25/2005
3303482230 360 252.67 3/1/2006 12/20/2005
3303486561 360 541.84 3/1/2006 11/28/2005
3303487429 360 273.46 3/1/2006 12/9/2005
3303489425 360 711.22 3/1/2006 12/5/2005
3303491660 360 594.89 3/1/2006 12/8/2005
3303492627 360 796.41 1/1/2006 11/21/2005
3303495067 360 664.98 2/1/2006 12/16/2005
3303495364 360 1,542.25 3/1/2006 12/12/2005
3303495984 240 1,608.05 3/1/2006 12/14/2005
3303496859 360 972.18 3/1/2006 12/14/2005
3303499242 360 819.17 2/1/2006 12/9/2005
3303500791 360 652.67 3/1/2006 11/25/2005
3303502227 360 290.00 3/1/2006 12/19/2005
3303502417 360 1,374.75 3/1/2006 11/18/2005
3303502623 360 469.78 3/1/2006 11/23/2005
3303503019 360 618.67 2/1/2006 11/23/2005
3303505386 360 718.03 3/1/2006 11/22/2005
3303507523 360 1,678.58 3/1/2006 11/29/2005
3303509792 360 981.54 2/1/2006 12/2/2005
3303514081 360 1,386.48 3/1/2006 12/7/2005
3303515740 360 1,270.98 3/1/2006 11/28/2005
3303517050 360 1,087.16 3/1/2006 12/2/2005
3303517720 360 842.31 3/1/2006 12/5/2005
3303518561 300 1,115.93 2/1/2006 12/5/2005
3303520088 360 600.47 2/1/2006 11/23/2005
3303520302 360 434.87 3/1/2006 12/7/2005
3303525137 360 768.92 3/1/2006 11/30/2005
3303525368 360 1,046.72 2/1/2006 11/28/2005
3303525921 360 616.34 2/1/2006 12/14/2005
3303532380 360 1,362.29 3/1/2006 12/6/2005
3303534832 360 631.44 2/1/2006 11/23/2005
3303535011 360 1,403.71 3/1/2006 12/5/2005
3303538056 360 374.33 3/1/2006 12/8/2005
3303541449 360 752.40 3/1/2006 12/19/2005
3303542413 360 1,231.44 3/1/2006 12/14/2005
3303544930 360 527.59 3/1/2006 12/21/2005
3303546026 360 421.71 3/1/2006 12/5/2005
3303548311 360 789.90 2/1/2006 12/6/2005
3303549897 360 715.19 2/1/2006 12/21/2005
3303554228 360 316.04 2/1/2006 12/9/2005
3303554665 360 1,907.90 3/1/2006 12/6/2005
3303559466 360 814.16 3/1/2006 12/13/2005
3303561504 360 811.04 3/1/2006 11/30/2005
3303567311 360 167.48 3/1/2006 11/30/2005
3303567451 360 899.27 2/1/2006 12/9/2005
3303568871 360 448.42 3/1/2006 12/12/2005
3303572402 360 686.26 2/1/2006 12/7/2005
3303572683 360 537.46 3/1/2006 12/13/2005
3303577864 360 391.89 2/1/2006 12/9/2005
3303584126 300 378.12 3/1/2006 12/14/2005
3303586105 360 1,334.63 3/1/2006 11/25/2005
3303586717 360 505.66 3/1/2006 12/21/2005
3303587517 360 837.38 3/1/2006 12/16/2005
3303593358 360 465.26 3/1/2006 12/7/2005
3303596344 360 922.52 2/1/2006 12/23/2005
3303596559 360 1,222.29 2/1/2006 12/2/2005
3303596690 360 1,774.85 2/1/2006 12/23/2005
3303599587 360 423.49 3/1/2006 12/16/2005
3303607372 360 613.11 3/1/2006 12/22/2005
3303623254 360 272.47 2/1/2006 12/16/2005
3303638088 360 733.20 2/1/2006 12/23/2005
3303639920 360 1,746.84 4/1/2006 12/21/2005
3303646776 360 856.16 3/1/2006 12/28/2005
3303647808 360 912.39 3/1/2006 12/27/2005
3303649879 360 873.42 3/1/2006 12/14/2005
3303667962 360 518.57 3/1/2006 12/22/2005
6002354287 360 459.17 3/1/2006 10/7/2005
6005430803 360 697.61 2/1/2006 11/8/2005
6008760800 360 635.43 3/1/2006 12/7/2005
6010937941 360 772.98 3/1/2006 12/16/2005
6014433822 360 1,618.79 2/1/2006 12/5/2005
6015855429 360 1,715.46 3/1/2006 11/22/2005
6033315836 360 379.25 3/1/2006 12/22/2005
6037261671 360 1,022.10 2/1/2006 12/5/2005
6040578699 360 979.39 3/1/2006 11/15/2005
6042158920 360 1,246.43 2/1/2006 11/29/2005
6043986436 360 758.49 3/1/2006 12/21/2005
6046250491 360 430.39 2/1/2006 11/18/2005
6048413865 360 1,215.23 3/1/2006 12/5/2005
6048519463 360 524.06 2/1/2006 8/19/2005
6052212781 360 467.91 3/1/2006 12/15/2005
6060698872 360 1,005.78 3/1/2006 12/19/2005
0000000000 360 660.05 3/1/2006 12/19/2005
6079354889 360 736.36 2/1/2006 11/30/2005
6081505536 360 595.18 3/1/2006 12/2/2005
6088239154 360 364.82 3/1/2006 12/5/2005
6088635849 360 1,001.20 2/1/2006 12/20/2005
6092150330 360 1,508.51 3/1/2006 11/17/2005
6093827654 360 1,983.91 3/1/2006 12/15/2005
6099303023 360 1,580.18 2/1/2006 12/23/2005
6099487800 360 1,256.56 2/1/2006 11/16/2005
6099587617 360 402.25 4/1/2006 12/6/2005
6105559980 360 366.36 3/1/2006 11/22/2005
6106346833 360 490.21 3/1/2006 10/31/2005
6111352149 360 623.88 3/1/2006 11/29/2005
6111367865 360 834.33 3/1/2006 11/28/2005
6111711880 360 969.30 3/1/2006 11/23/2005
6115502897 360 635.98 3/1/2006 12/2/2005
6115672179 360 249.55 3/1/2006 11/10/2005
6119048889 360 911.27 2/1/2006 11/29/2005
6122564526 360 777.02 3/1/2006 12/6/2005
6123693787 360 404.53 1/1/2006 11/28/2005
6124417483 360 973.39 3/1/2006 12/2/2005
6125731130 360 561.49 3/1/2006 12/6/2005
6127789136 360 1,074.52 2/1/2006 12/1/2005
6130266999 360 692.69 2/1/2006 8/9/2005
0000000000 360 664.73 3/1/2006 11/21/2005
6131281914 360 793.07 3/1/2006 12/9/2005
6133546314 360 2,705.26 3/1/2006 12/13/2005
6133947827 360 2,199.60 3/1/2006 11/28/2005
6136438576 360 879.66 3/1/2006 11/22/2005
6142844759 360 3,033.46 3/1/2006 11/30/2005
0000000000 360 597.31 3/1/2006 12/1/2005
6156959782 360 2,561.39 3/1/2006 11/22/2005
6162893397 360 881.74 3/1/2006 12/8/2005
6164481290 360 418.00 2/1/2006 12/12/2005
6166193943 360 1,450.60 3/1/2006 12/21/2005
6167378469 360 1,956.51 2/1/2006 11/28/2005
6167387460 360 892.79 2/1/2006 12/27/2005
0000000000 360 748.65 2/1/2006 11/28/2005
6168239272 360 1,813.91 3/1/2006 11/23/2005
6168759295 360 1,231.44 2/1/2006 11/30/2005
6168886551 360 1,038.18 2/1/2006 12/6/2005
6169722243 360 772.04 3/1/2006 12/9/2005
0000000000 360 1,188.29 3/1/2006 12/16/2005
0000000000 360 1,501.80 3/1/2006 12/22/2005
6184043468 360 1,558.33 3/1/2006 12/12/2005
6186869183 360 774.29 2/1/2006 11/28/2005
6191625885 360 1,497.29 3/1/2006 12/13/2005
6194997711 360 998.20 3/1/2006 11/14/2005
6195510497 360 495.66 2/1/2006 11/29/2005
6196227893 360 1,265.90 3/1/2006 12/16/2005
6200059407 360 803.82 2/1/2006 12/7/2005
6201792204 360 1,193.43 3/1/2006 12/9/2005
0000000000 360 1,580.18 4/1/2006 12/7/2005
6204888124 360 425.69 2/1/2006 11/16/2005
6211795593 360 304.79 3/1/2006 10/12/2005
6211966442 360 600.47 2/1/2006 12/12/2005
6217984258 360 2,274.01 2/1/2006 11/15/2005
6218104757 360 1,005.63 3/1/2006 12/21/2005
6220287152 360 1,093.70 3/1/2006 11/14/2005
6224155777 360 698.74 2/1/2006 11/29/2005
6226282504 360 1,169.99 3/1/2006 11/18/2005
6231738458 360 328.68 2/1/2006 12/1/2005
6233559407 360 2,110.42 2/1/2006 11/28/2005
6236911183 360 673.78 3/1/2006 12/9/2005
6237620395 360 1,637.66 2/1/2006 12/16/2005
0000000000 360 791.11 2/1/2006 12/22/2005
6244413727 240 420.80 2/1/2006 12/2/2005
6245816100 360 777.75 3/1/2006 12/5/2005
6249563617 360 640.35 3/1/2006 11/30/2005
6253132192 360 743.97 3/1/2006 11/28/2005
6257620176 360 584.94 3/1/2006 11/22/2005
6260150666 360 2,239.68 2/1/2006 11/28/2005
6265947462 360 719.78 3/1/2006 11/30/2005
6269390768 360 775.94 3/1/2006 11/23/2005
6271747187 360 990.69 3/1/2006 12/12/2005
6272724631 360 369.76 3/1/2006 11/8/2005
6277016744 360 897.31 2/1/2006 12/21/2005
6279727918 360 371.21 2/1/2006 12/19/2005
6279937418 360 549.76 3/1/2006 12/13/2005
6283158001 360 1,289.11 3/1/2006 12/21/2005
6284943138 360 113.78 3/1/2006 11/30/2005
6286583452 360 299.46 2/1/2006 12/9/2005
6291244728 360 725.62 3/1/2006 12/19/2005
6294646002 360 389.14 2/1/2006 11/18/2005
6302032807 360 406.37 2/1/2006 12/27/2005
6306092740 360 783.59 3/1/2006 11/28/2005
6315783339 360 989.26 2/1/2006 11/30/2005
6318191886 360 665.89 3/1/2006 12/2/2005
6319919848 360 584.94 3/1/2006 12/9/2005
6320892620 360 1,231.44 3/1/2006 12/2/2005
6321342013 360 521.46 3/1/2006 12/9/2005
6321640010 360 259.53 3/1/2006 12/16/2005
6321880152 360 563.18 3/1/2006 11/17/2005
6323823978 360 800.44 4/1/2006 12/7/2005
0000000000 300 667.42 2/1/2006 10/5/2005
0000000000 360 2,463.04 3/1/2006 11/29/2005
6326828016 360 434.22 2/1/2006 11/21/2005
6328203077 360 338.79 2/1/2006 11/28/2005
6328388639 360 1,135.45 2/1/2006 11/17/2005
6333737085 360 683.14 3/1/2006 11/30/2005
0000000000 360 764.27 3/1/2006 12/9/2005
6334543680 360 1,212.66 2/1/2006 12/15/2005
6335987829 360 1,727.38 3/1/2006 8/29/2005
6338706721 360 1,141.69 3/1/2006 11/23/2005
6342608996 360 748.15 3/1/2006 11/22/2005
6348215481 360 305.70 3/1/2006 12/21/2005
6349977824 360 703.93 2/1/2006 11/16/2005
0000000000 360 685.30 3/1/2006 11/8/2005
6357134334 360 601.73 3/1/2006 12/6/2005
6358499744 360 245.82 3/1/2006 11/28/2005
6360745605 360 2,401.90 2/1/2006 11/30/2005
6365701660 360 881.88 3/1/2006 12/9/2005
6368486012 360 361.85 3/1/2006 11/4/2005
0000000000 360 328.68 3/1/2006 11/18/2005
0000000000 360 2,844.31 2/1/2006 11/30/2005
6382028220 360 2,370.52 3/1/2006 12/2/2005
6382801907 360 299.78 2/1/2006 12/9/2005
6383941439 360 647.52 2/1/2006 11/21/2005
0000000000 360 1,643.38 3/1/2006 12/7/2005
6391477830 360 623.88 3/1/2006 11/30/2005
6394704438 360 1,294.22 3/1/2006 12/21/2005
6396263847 360 821.69 3/1/2006 12/6/2005
6404611755 360 295.77 3/1/2006 11/30/2005
6408110887 360 820.76 3/1/2006 11/7/2005
6408816764 360 623.88 2/1/2006 12/15/2005
6410407222 360 630.50 3/1/2006 12/19/2005
6413452282 360 467.91 3/1/2006 11/16/2005
0000000000 360 1,396.88 2/1/2006 11/23/2005
6415200648 360 2,031.87 3/1/2006 11/30/2005
6417152912 360 1,268.38 3/1/2006 11/30/2005
6418708514 360 459.52 2/1/2006 12/8/2005
6418922016 360 830.98 3/1/2006 12/5/2005
6422343340 360 2,370.71 2/1/2006 11/30/2005
6422670940 360 157.22 3/1/2006 12/21/2005
6423494837 360 599.56 2/1/2006 11/23/2005
6426086028 360 265.47 3/1/2006 11/25/2005
6435948101 360 1,746.84 2/1/2006 11/23/2005
0000000000 360 379.25 3/1/2006 11/23/2005
6439144897 360 1,534.73 3/1/2006 11/29/2005
6443872772 360 842.23 3/1/2006 12/15/2005
6446757525 360 1,822.84 3/1/2006 11/21/2005
6448057122 360 801.79 2/1/2006 11/29/2005
6448537735 360 765.94 2/1/2006 12/6/2005
6452112599 360 1,023.15 3/1/2006 11/23/2005
6458494298 360 401.37 3/1/2006 12/19/2005
6461886332 360 632.83 3/1/2006 11/30/2005
6461901552 360 507.97 2/1/2006 12/5/2005
6462722726 360 648.83 2/1/2006 12/2/2005
6467169394 360 530.94 2/1/2006 12/5/2005
6469003328 360 597.31 3/1/2006 11/28/2005
6470683795 360 1,422.31 3/1/2006 12/16/2005
6473328232 360 320.05 3/1/2006 11/30/2005
6473696158 360 161.59 2/1/2006 12/21/2005
6474274054 360 680.02 2/1/2006 11/10/2005
6474573448 360 425.59 2/1/2006 11/18/2005
6475606866 360 719.16 2/1/2006 12/6/2005
6476523623 360 1,508.51 3/1/2006 12/9/2005
6477230525 360 1,683.90 3/1/2006 11/29/2005
6483707086 360 1,137.73 3/1/2006 11/30/2005
6490361950 360 931.68 3/1/2006 11/21/2005
6491788540 360 2,567.55 2/1/2006 12/22/2005
6497725165 360 619.43 3/1/2006 12/19/2005
6501671447 360 2,186.33 2/1/2006 11/17/2005
6512326635 360 926.04 3/1/2006 11/21/2005
6515378724 360 1,580.18 3/1/2006 11/29/2005
6516216964 360 716.77 3/1/2006 11/30/2005
6517371115 360 718.70 2/1/2006 12/5/2005
6517453616 360 638.85 3/1/2006 11/29/2005
6518050957 360 1,497.29 3/1/2006 12/1/2005
6519210071 360 611.47 2/1/2006 12/27/2005
6520252187 360 1,428.48 2/1/2006 12/2/2005
6521759313 360 2,623.09 2/1/2006 12/6/2005
6523148770 360 623.88 2/1/2006 12/16/2005
6524243828 360 511.67 2/1/2006 11/18/2005
6526057911 360 1,519.03 3/1/2006 12/23/2005
6526652877 360 775.57 3/1/2006 12/16/2005
6526687477 360 252.83 3/1/2006 11/22/2005
6530599205 360 761.96 3/1/2006 11/29/2005
6531725049 360 811.04 2/1/2006 12/1/2005
6532431977 360 940.21 3/1/2006 11/23/2005
6533543739 360 903.12 3/1/2006 12/14/2005
6533979008 360 2,050.78 3/1/2006 12/15/2005
0000000000 360 2,635.73 2/1/2006 12/13/2005
6551265694 360 2,352.04 3/1/2006 12/7/2005
6551542696 360 691.25 3/1/2006 11/30/2005
6553709889 360 1,794.94 3/1/2006 11/29/2005
0000000000 360 439.22 2/1/2006 11/23/2005
0000000000 360 532.39 3/1/2006 12/19/2005
0000000000 360 948.21 3/1/2006 12/23/2005
6567793556 360 1,213.58 3/1/2006 12/12/2005
6569623090 360 1,953.04 2/1/2006 11/16/2005
6570811502 360 1,047.03 2/1/2006 11/30/2005
6575441693 360 648.09 3/1/2006 12/2/2005
6578876317 360 726.55 3/1/2006 11/30/2005
6580401195 360 157.84 3/1/2006 12/21/2005
6582397300 360 2,924.66 3/1/2006 12/15/2005
6585489443 360 1,871.61 3/1/2006 11/14/2005
6586861566 360 1,833.00 3/1/2006 11/14/2005
6592786633 360 714.34 3/1/2006 12/9/2005
6598847132 360 1,567.53 3/1/2006 12/21/2005
6599497408 360 733.20 2/1/2006 11/21/2005
6603926996 360 657.36 3/1/2006 12/7/2005
6609382889 360 788.08 2/1/2006 12/12/2005
6611423713 360 652.19 2/1/2006 11/18/2005
6612959004 360 1,314.71 2/1/2006 12/15/2005
6615353171 360 1,270.46 3/1/2006 11/3/2005
6622681598 360 1,039.03 2/1/2006 11/29/2005
6623391486 360 782.19 3/1/2006 11/30/2005
6627532846 360 1,188.34 3/1/2006 11/18/2005
6630558150 360 973.38 2/1/2006 12/1/2005
6634426347 360 1,643.38 3/1/2006 12/23/2005
6634677576 360 843.32 2/1/2006 12/5/2005
6639114971 360 1,763.47 3/1/2006 11/23/2005
6639396644 360 2,152.36 3/1/2006 11/23/2005
6641755183 360 2,233.46 3/1/2006 11/30/2005
6642619750 360 174.69 3/1/2006 12/21/2005
6650501460 360 493.49 3/1/2006 11/29/2005
6659013152 360 1,647.02 2/1/2006 11/30/2005
6660986420 360 1,213.58 3/1/2006 12/8/2005
6661939220 360 1,163.01 3/1/2006 12/19/2005
6663778790 360 1,122.97 2/1/2006 11/2/2005
6664091128 360 322.99 3/1/2006 12/13/2005
6664485718 360 1,847.16 2/1/2006 11/23/2005
6664990279 360 935.81 2/1/2006 11/29/2005
6666009987 360 373.83 3/1/2006 12/20/2005
6666392771 360 470.26 2/1/2006 12/16/2005
6668884395 360 427.98 3/1/2006 12/14/2005
6669741628 360 1,247.74 3/1/2006 12/6/2005
6674600975 360 840.66 3/1/2006 11/23/2005
6676258566 360 637.27 3/1/2006 10/28/2005
6679554573 360 159.72 3/1/2006 12/21/2005
6685076132 360 809.16 3/1/2006 11/28/2005
6685974187 360 591.54 3/1/2006 12/12/2005
6687859600 360 2,591.48 3/1/2006 12/8/2005
6690735037 360 855.22 3/1/2006 11/25/2005
6693393545 360 623.42 2/1/2006 12/1/2005
6695300605 360 935.47 3/1/2006 11/23/2005
6695437746 360 929.14 3/1/2006 12/15/2005
6695900016 360 1,264.14 2/1/2006 11/18/2005
6697766902 360 738.86 3/1/2006 11/18/2005
6703296753 360 230.07 2/1/2006 11/17/2005
6708072316 360 708.72 3/1/2006 11/14/2005
6708985913 360 613.43 2/1/2006 12/23/2005
6711493640 360 1,628.21 3/1/2006 11/18/2005
6718755108 360 532.17 2/1/2006 11/4/2005
0000000000 360 1,264.14 3/1/2006 12/2/2005
6728578078 360 689.96 3/1/2006 12/9/2005
6730426951 360 1,899.69 3/1/2006 12/20/2005
6740483398 360 413.69 2/1/2006 11/16/2005
6741407867 360 1,217.09 2/1/2006 11/7/2005
6743627272 360 1,007.25 3/1/2006 12/20/2005
0000000000 360 1,637.81 2/1/2006 12/5/2005
6744473056 360 758.49 3/1/2006 12/7/2005
6745181443 360 517.82 2/1/2006 11/22/2005
6746458980 360 623.88 3/1/2006 11/22/2005
6747488952 360 174.69 2/1/2006 12/8/2005
0000000000 360 785.04 2/1/2006 12/1/2005
6752258183 360 566.02 3/1/2006 12/21/2005
6759717843 360 1,643.38 3/1/2006 12/7/2005
0000000000 360 2,212.24 3/1/2006 12/16/2005
6762414701 360 1,482.20 3/1/2006 12/9/2005
6764118151 360 714.24 4/1/2006 9/28/2005
6770670948 360 239.83 3/1/2006 12/7/2005
6771796916 360 972.18 2/1/2006 12/1/2005
6775537761 360 588.94 2/1/2006 11/30/2005
6775595272 360 1,055.90 2/1/2006 12/2/2005
6775719567 360 640.35 2/1/2006 8/29/2005
6777449676 360 524.99 3/1/2006 12/2/2005
6781616229 360 252.83 3/1/2006 11/22/2005
6781780975 360 700.29 2/1/2006 12/1/2005
6786789682 360 541.34 3/1/2006 11/23/2005
6787047734 360 536.53 3/1/2006 11/28/2005
6788538996 360 1,054.42 3/1/2006 11/22/2005
6792020577 360 219.30 3/1/2006 12/20/2005
6792074277 360 591.09 2/1/2006 11/22/2005
6801410835 360 1,023.96 3/1/2006 11/29/2005
6804211230 360 554.64 3/1/2006 11/4/2005
0000000000 360 132.74 3/1/2006 11/16/2005
6809543561 360 1,656.31 3/1/2006 12/7/2005
6813533350 360 695.11 2/1/2006 11/28/2005
0000000000 360 403.92 2/1/2006 11/18/2005
6816644386 360 2,339.73 3/1/2006 11/4/2005
6820472824 360 341.32 2/1/2006 12/1/2005
6827093656 360 862.01 3/1/2006 11/7/2005
6827704179 360 1,147.93 3/1/2006 12/2/2005
6828349339 360 427.76 3/1/2006 11/1/2005
6828989720 360 960.52 3/1/2006 12/20/2005
6831898892 360 465.59 3/1/2006 12/9/2005
6832157645 360 1,374.75 2/1/2006 12/8/2005
0000000000 360 1,959.42 3/1/2006 11/23/2005
6836973278 360 2,270.89 2/1/2006 11/30/2005
6838420302 360 493.02 2/1/2006 12/12/2005
6840353814 360 692.69 2/1/2006 11/14/2005
6842611987 360 384.21 2/1/2006 11/18/2005
6844199908 360 1,746.84 2/1/2006 11/22/2005
0000000000 360 2,019.56 3/1/2006 12/12/2005
6846019047 360 632.07 3/1/2006 12/13/2005
6848030216 360 929.59 3/1/2006 11/4/2005
6848351224 360 632.07 3/1/2006 11/18/2005
6852955258 360 403.92 2/1/2006 11/18/2005
6855279268 360 1,231.44 2/1/2006 12/2/2005
0000000000 360 461.79 3/1/2006 12/5/2005
6860841615 360 553.38 3/1/2006 11/29/2005
6861907027 360 1,449.27 3/1/2006 11/22/2005
6866534784 360 1,580.18 2/1/2006 12/1/2005
6867838572 360 319.20 3/1/2006 11/28/2005
6868676187 360 608.33 2/1/2006 11/22/2005
6874297804 360 677.29 3/1/2006 12/2/2005
6875679661 360 1,877.94 3/1/2006 12/13/2005
6879676143 360 808.85 3/1/2006 11/21/2005
6881216011 360 505.66 3/1/2006 12/9/2005
6882055772 360 615.72 3/1/2006 12/21/2005
0000000000 360 916.89 2/1/2006 11/23/2005
6888789077 360 532.39 3/1/2006 11/29/2005
6891863349 360 1,428.47 2/1/2006 11/30/2005
6892121648 360 1,530.61 3/1/2006 12/2/2005
6892612000 360 1,339.19 3/1/2006 12/2/2005
6893849643 360 1,561.66 3/1/2006 11/16/2005
6895849716 360 499.10 2/1/2006 12/5/2005
6897816234 360 1,580.18 3/1/2006 12/20/2005
6903017868 360 541.84 3/1/2006 11/7/2005
6908690586 360 620.54 3/1/2006 8/23/2005
6909529452 360 724.09 3/1/2006 11/28/2005
6909958404 360 960.75 3/1/2006 11/14/2005
6911144050 360 1,169.76 3/1/2006 12/7/2005
6914238230 360 3,167.17 3/1/2006 11/10/2005
0000000000 360 708.72 3/1/2006 12/6/2005
6915972647 360 1,006.26 3/1/2006 12/20/2005
6917291608 360 354.93 3/1/2006 11/17/2005
6920465637 360 1,152.90 3/1/2006 12/15/2005
6922608523 360 964.21 2/1/2006 12/5/2005
6923793498 360 1,120.61 3/1/2006 11/23/2005
0000000000 360 1,118.77 4/1/2006 12/21/2005
6925317460 360 573.92 3/1/2006 11/29/2005
6927985322 360 1,264.14 3/1/2006 11/30/2005
6928030177 360 1,121.88 3/1/2006 12/9/2005
6930561110 360 1,138.47 3/1/2006 12/6/2005
6940398024 360 806.59 2/1/2006 11/14/2005
6942294387 360 842.23 2/1/2006 11/30/2005
6944201877 360 1,000.68 3/1/2006 11/29/2005
6945834718 360 948.11 3/1/2006 12/13/2005
6947266133 360 1,476.91 5/1/2006 12/20/2005
6952511340 360 607.62 3/1/2006 11/22/2005
0000000000 360 1,431.79 2/1/2006 11/8/2005
6958279397 360 1,154.47 3/1/2006 12/12/2005
6966355825 360 1,945.67 3/1/2006 11/10/2005
6972571894 360 738.87 3/1/2006 12/1/2005
6973840488 360 659.25 2/1/2006 11/30/2005
6974382050 360 170.66 3/1/2006 11/21/2005
6974584861 360 467.91 3/1/2006 12/21/2005
6981491902 360 1,321.99 3/1/2006 12/2/2005
6986440656 360 303.81 3/1/2006 11/10/2005
6987910640 360 804.80 3/1/2006 11/18/2005
6988565500 360 959.29 3/1/2006 12/8/2005
6988822638 360 510.63 2/1/2006 12/1/2005
6994602917 360 1,750.18 3/1/2006 11/29/2005
Loan Remaining Scheduled
Number Term (Months) Principal Balance ($) FICO
--------------------------------------------------------------------------------
3302038884 359 104,000.00 703
3302714393 359 200,000.00 755
3302766278 355 102,568.67 806
3302880236 356 80,668.49 759
3303000594 355 225,533.97 791
3303081875 358 44,957.30 738
3303142867 356 149,527.92 839
3303147247 358 64,101.49 735
3303156818 356 280,515.37 731
3303204402 356 99,699.82 687
3303212181 358 158,845.45 802
3303214708 358 105,896.97 802
3303220416 358 142,846.65 663
3303227759 357 219,569.35 767
3303229508 359 215,120.00 792
3303263010 359 248,000.00 782
3303311553 359 56,900.00 761
3303332641 358 86,022.16 666
3303337830 359 55,769.00 760
3303347821 358 184,632.93 738
3303365971 357 106,706.18 778
3303372472 359 92,300.00 697
3303374908 358 149,861.07 808
3303376770 359 79,200.00 741
3303386472 358 409,120.72 798
3303388858 358 243,518.71 654
3303390078 359 223,536.00 760
3303393148 358 90,305.62 647
3303393197 358 166,541.82 713
3303398410 359 155,000.00 785
3303398840 358 123,467.42 742
3303399715 358 104,403.21 726
3303401701 359 95,000.00 764
3303402980 358 100,844.22 741
3303403194 358 98,156.77 722
3303412658 358 67,437.47 743
3303414928 358 127,884.28 744
3303416386 359 84,000.00 766
3303416394 359 84,000.00 720
3303418085 358 153,361.23 765
3303426385 359 60,000.00 813
3303426427 358 43,903.89 744
3303427383 359 50,000.00 766
3303428084 358 87,215.14 785
3303430684 359 132,105.00 760
3303438919 359 185,386.00 749
3303439024 358 233,658.08 757
3303440980 359 167,760.00 762
3303445427 359 82,000.00 754
3303447621 358 231,689.12 800
3303449387 359 122,582.00 749
3303453066 358 74,932.19 763
3303454171 359 69,990.00 802
3303457323 358 199,665.38 666
3303460897 298 51,428.49 720
3303462083 358 72,605.73 721
3303465474 358 318,123.32 771
3303465649 359 95,000.00 775
3303466464 358 190,809.85 684
3303482230 359 40,500.00 767
3303486561 358 86,769.55 806
3303487429 359 43,263.00 647
3303489425 359 113,999.00 790
3303491660 359 96,617.00 802
3303492627 358 125,886.09 785
3303495067 359 108,000.00 786
3303495364 359 244,000.00 653
3303495984 239 219,980.00 737
3303496859 359 160,000.00 781
3303499242 359 129,600.00 644
3303500791 358 105,899.41 776
3303502227 359 45,880.00 674
3303502417 358 217,303.38 639
3303502623 358 80,415.95 705
3303503019 358 99,073.14 733
3303505386 358 113,497.30 783
3303507523 358 265,327.91 782
3303509792 359 159,414.00 812
3303514081 359 225,180.00 619
3303515740 358 203,536.31 667
3303517050 359 172,000.00 814
3303517720 359 136,800.00 758
3303518561 299 167,200.00 786
3303520088 358 94,914.11 698
3303520302 359 68,800.00 757
3303525137 358 121,532.32 754
3303525368 358 169,830.66 664
3303525921 359 102,800.00 661
3303532380 359 218,352.00 676
3303534832 358 99,809.69 698
3303535011 359 225,000.00 721
3303538056 359 60,000.00 796
3303541449 359 120,602.00 724
3303542413 359 200,000.00 768
3303544930 359 86,829.00 807
3303546026 359 68,490.00 673
3303548311 359 130,000.00 741
3303549897 359 113,150.00 787
3303554228 359 50,000.00 751
3303554665 359 314,000.00 740
3303559466 359 130,500.00 769
3303561504 358 129,879.59 782
3303567311 358 27,174.19 705
3303567451 359 142,273.00 747
3303568871 359 73,800.00 772
3303572402 359 110,000.00 672
3303572683 359 85,347.00 789
3303577864 359 62,000.00 751
3303584126 299 56,000.00 801
3303586105 358 210,961.11 735
3303586717 359 80,000.00 800
3303587517 359 136,000.00 707
3303593358 359 75,563.00 774
3303596344 359 147,870.00 723
3303596559 359 195,920.00 752
3303596690 359 280,800.00 723
3303599587 359 67,000.00 721
3303607372 359 97,000.00 707
3303623254 359 44,251.89 775
3303638088 359 116,000.00 741
3303639920 359 280,000.00 716
3303646776 359 139,050.00 756
3303647808 359 154,240.00 757
3303649879 359 140,000.00 749
3303667962 359 84,222.00 669
6002354287 357 73,463.30 727
6005430803 358 113,192.49 700
6008760800 359 103,200.00 743
6010937941 359 123,900.00 755
6014433822 359 270,000.00 781
6015855429 358 289,704.33 712
6033315836 359 60,000.00 764
6037261671 359 166,000.00 693
6040578699 358 156,839.59 748
6042158920 358 199,604.95 780
6043986436 359 120,000.00 732
6046250491 358 69,833.67 783
6048413865 358 199,805.60 781
6048519463 355 83,686.27 714
6052212781 359 75,000.00 748
6060698872 359 163,350.00 732
0000000000 359 107,200.00 793
6079354889 358 116,394.68 732
6081505536 359 95,400.00 776
6088239154 359 57,717.00 799
6088635849 359 158,400.00 743
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6224155777 358 111,896.26 714
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6318191886 359 105,350.00 768
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0000000000 358 394,434.34 778
6326828016 358 69,535.53 780
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6333737085 358 109,398.58 738
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6365701660 359 143,227.00 651
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6452112599 358 163,848.10 654
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6461901552 359 82,500.00 779
6462722726 359 104,000.00 764
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6469003328 358 94,315.46 667
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6473696158 359 25,900.00 719
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6512326635 358 150,257.29 765
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6517453616 358 102,305.15 754
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6520252187 359 226,000.00 740
6521759313 359 415,000.00 689
6523148770 359 100,000.00 655
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6526652877 359 127,641.00 725
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6531725049 358 129,879.59 780
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0000000000 359 90,000.00 733
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6578876317 358 117,888.03 750
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6639396644 358 344,680.45 800
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6661939220 359 184,000.00 752
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6994602917 358 283,980.29 783
Loan Count: 497
Scheduled PB
as January 1, 2005: 75,588,228.62
Unpaid PB W/A: 152,088.99
W/A Interest Rate: 6.303
W/A Remaining Term: 358.6
Loan Appraisal Sales
Number Value ($) Price ($)
------------------------------------------------------------
3302038884 130,000.00 130,000.00
3302714393 276,000.00 0.00
3302766278 390,000.00 0.00
3302880236 114,000.00 113,900.00
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3303081875 50,000.00 50,000.00
3303142867 193,000.00 190,000.00
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3303229508 295,000.00 268,900.00
3303263010 342,000.00 310,673.00
3303311553 86,000.00 75,900.00
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3303337830 156,000.00 0.00
3303347821 231,000.00 231,000.00
3303365971 225,000.00 216,202.00
3303372472 161,000.00 0.00
3303374908 215,000.00 215,000.00
3303376770 107,000.00 0.00
3303386472 625,000.00 546,000.00
3303388858 325,000.00 325,000.00
3303390078 286,000.00 279,420.00
3303393148 114,000.00 113,000.00
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3303412658 75,000.00 75,000.00
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3303428084 225,000.00 97,000.00
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3303482230 45,000.00 45,000.00
3303486561 142,319.00 96,500.00
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3303495067 138,000.00 135,000.00
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3303496859 400,643.00 395,000.00
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3303502227 60,000.00 0.00
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3303520302 88,000.00 86,000.00
3303525137 157,200.00 155,000.00
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3303532380 325,000.00 0.00
3303534832 174,000.00 169,900.00
3303535011 328,500.00 0.00
3303538056 120,000.00 120,000.00
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3303559466 145,000.00 145,000.00
3303561504 270,000.00 259,000.00
3303567311 40,000.00 34,000.00
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3303639920 800,000.00 425,000.00
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6142844759 640,000.00 639,900.00
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6162893397 155,000.00 155,000.00
6164481290 99,000.00 92,000.00
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6218104757 260,000.00 0.00
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6226282504 290,700.00 237,525.00
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6237620395 350,000.00 350,000.00
0000000000 190,200.00 185,025.00
6244413727 78,300.00 71,250.00
6245816100 160,000.00 171,490.00
6249563617 135,000.00 130,000.00
6253132192 135,000.00 132,500.00
6257620176 140,000.00 136,500.00
6260150666 485,000.00 485,000.00
6265947462 207,000.00 206,900.00
6269390768 485,000.00 0.00
6271747187 471,000.00 435,000.00
6272724631 65,000.00 65,000.00
6277016744 178,000.00 177,454.00
6279727918 75,000.00 74,375.00
6279937418 120,000.00 110,160.00
6283158001 268,000.00 254,950.00
6284943138 28,000.00 0.00
6286583452 64,000.00 0.00
6291244728 145,000.00 143,500.00
6294646002 80,000.00 79,000.00
6302032807 85,000.00 83,600.00
6306092740 157,000.00 157,000.00
6315783339 260,000.00 0.00
6318191886 335,000.00 0.00
6319919848 132,000.00 0.00
6320892620 265,000.00 250,000.00
6321342013 110,000.00 0.00
6321640010 54,000.00 52,000.00
6321880152 99,000.00 99,000.00
6323823978 220,900.00 222,500.00
0000000000 153,000.00 0.00
0000000000 526,500.00 526,500.00
6326828016 87,000.00 87,000.00
6328203077 69,000.00 67,000.00
6328388639 243,000.00 0.00
6333737085 147,000.00 0.00
0000000000 620,000.00 0.00
6334543680 310,000.00 0.00
6335987829 370,000.00 370,000.00
6338706721 229,000.00 228,790.00
6342608996 150,000.00 149,900.00
6348215481 70,000.00 0.00
6349977824 172,000.00 0.00
0000000000 165,500.00 0.00
6357134334 119,000.00 119,000.00
6358499744 47,300.00 47,300.00
6360745605 575,000.00 0.00
6365701660 343,000.00 0.00
6368486012 73,000.00 0.00
0000000000 75,000.00 0.00
0000000000 765,000.00 0.00
6382028220 500,955.00 500,000.00
6382801907 80,000.00 0.00
6383941439 135,000.00 145,000.00
0000000000 325,000.00 0.00
6391477830 178,000.00 0.00
6394704438 280,000.00 0.00
6396263847 220,000.00 0.00
6404611755 240,000.00 225,000.00
6408110887 185,000.00 185,000.00
6408816764 420,000.00 416,000.00
6410407222 131,000.00 128,000.00
6413452282 145,985.00 0.00
0000000000 300,000.00 0.00
6415200648 740,000.00 740,000.00
6417152912 311,000.00 0.00
6418708514 133,000.00 0.00
6418922016 158,000.00 155,000.00
6422343340 750,000.00 0.00
6422670940 36,000.00 0.00
6423494837 155,000.00 0.00
6426086028 65,000.00 0.00
6435948101 420,000.00 0.00
0000000000 110,000.00 0.00
6439144897 320,000.00 0.00
6443872772 240,000.00 240,000.00
6446757525 699,000.00 0.00
6448057122 195,000.00 0.00
6448537735 175,000.00 0.00
6452112599 311,000.00 0.00
6458494298 92,000.00 0.00
6461886332 175,000.00 169,900.00
6461901552 112,000.00 110,000.00
6462722726 143,000.00 130,000.00
6467169394 105,000.00 0.00
6469003328 130,000.00 0.00
6470683795 331,000.00 0.00
6473328232 60,000.00 57,000.00
6473696158 37,000.00 0.00
6474274054 169,000.00 0.00
6474573448 89,000.00 86,400.00
6475606866 155,000.00 146,000.00
6476523623 442,000.00 400,000.00
6477230525 595,000.00 0.00
6483707086 225,000.00 225,000.00
6490361950 210,000.00 210,000.00
6491788540 597,000.00 0.00
6497725165 140,000.00 0.00
6501671447 465,000.00 0.00
6512326635 188,000.00 188,000.00
6515378724 350,000.00 0.00
6516216964 174,813.00 189,000.00
6517371115 144,000.00 144,000.00
6517453616 133,000.00 128,000.00
6518050957 340,000.00 340,000.00
6519210071 122,000.00 120,925.00
6520252187 310,000.00 0.00
6521759313 1,200,000.00 1,350,000.00
6523148770 136,000.00 0.00
6524243828 115,000.00 110,800.00
6526057911 365,000.00 0.00
6526652877 172,000.00 170,189.00
6526687477 58,000.00 0.00
6530599205 165,500.00 165,000.00
6531725049 200,000.00 180,000.00
6532431977 171,000.00 171,000.00
6533543739 356,000.00 0.00
6533979008 490,000.00 475,000.00
0000000000 730,000.00 727,500.00
6551265694 490,000.00 0.00
6551542696 140,000.00 138,500.00
6553709889 369,000.00 364,400.00
0000000000 100,000.00 99,000.00
0000000000 327,000.00 0.00
0000000000 220,000.00 0.00
6567793556 242,000.00 240,000.00
6569623090 410,000.00 0.00
6570811502 283,000.00 283,000.00
6575441693 245,000.00 0.00
6578876317 176,286.00 0.00
6580401195 34,000.00 0.00
6582397300 648,000.00 645,000.00
6585489443 615,000.00 0.00
6586861566 387,000.00 0.00
6592786633 160,000.00 0.00
6598847132 324,000.00 310,000.00
6599497408 155,000.00 0.00
6603926996 275,000.00 130,000.00
6609382889 158,000.00 157,900.00
6611423713 216,000.00 215,000.00
6612959004 260,000.00 260,000.00
6615353171 298,000.00 0.00
6622681598 225,000.00 0.00
6623391486 170,000.00 165,000.00
6627532846 300,000.00 297,500.00
6630558150 220,000.00 0.00
6634426347 325,000.00 0.00
6634677576 174,000.00 173,490.00
6639114971 400,000.00 0.00
6639396644 590,000.00 595,000.00
6641755183 575,000.00 0.00
6642619750 35,000.00 0.00
6650501460 150,000.00 0.00
6659013152 355,000.00 352,000.00
6660986420 515,000.00 0.00
6661939220 230,000.00 230,000.00
6663778790 225,000.00 0.00
6664091128 73,000.00 0.00
6664485718 443,000.00 0.00
6664990279 203,000.00 200,000.00
6666009987 76,000.00 74,900.00
6666392771 93,000.00 93,000.00
6668884395 91,500.00 0.00
6669741628 286,000.00 297,000.00
6674600975 185,000.00 0.00
6676258566 125,000.00 115,000.00
6679554573 32,000.00 0.00
6685076132 175,000.00 0.00
6685974187 127,500.00 125,900.00
6687859600 755,000.00 0.00
6690735037 251,000.00 0.00
6693393545 140,000.00 135,000.00
6695300605 338,000.00 0.00
6695437746 250,000.00 0.00
6695900016 250,000.00 300,000.00
6697766902 472,000.00 0.00
6703296753 52,000.00 0.00
6708072316 148,000.00 142,000.00
6708985913 146,668.00 0.00
6711493640 394,100.00 0.00
6718755108 286,000.00 0.00
0000000000 567,152.00 549,000.00
6728578078 161,500.00 157,990.00
6730426951 430,000.00 0.00
6740483398 100,100.00 0.00
6741407867 483,700.00 0.00
6743627272 275,000.00 0.00
0000000000 380,000.00 0.00
6744473056 160,000.00 163,500.00
6745181443 127,000.00 0.00
6746458980 215,000.00 0.00
6747488952 44,000.00 42,500.00
0000000000 170,000.00 170,000.00
6752258183 108,600.00 99,500.00
6759717843 325,000.00 0.00
0000000000 500,000.00 0.00
6762414701 665,000.00 0.00
6764118151 152,000.00 145,000.00
6770670948 189,900.00 0.00
6771796916 229,000.00 260,000.00
6775537761 130,600.00 118,000.00
6775595272 255,000.00 0.00
6775719567 131,500.00 130,000.00
6777449676 104,000.00 93,500.00
6781616229 57,900.00 0.00
6781780975 175,000.00 0.00
6786789682 110,000.00 109,900.00
6787047734 175,000.00 0.00
6788538996 350,000.00 342,500.00
6792020577 134,000.00 133,900.00
6792074277 122,000.00 120,000.00
6801410835 217,000.00 216,000.00
6804211230 122,000.00 117,000.00
0000000000 32,000.00 0.00
6809543561 498,240.00 430,000.00
6813533350 143,000.00 143,000.00
0000000000 83,000.00 82,000.00
6816644386 540,000.00 0.00
6820472824 70,000.00 60,000.00
6827093656 200,000.00 0.00
6827704179 235,000.00 230,000.00
6828349339 129,800.00 88,000.00
6828989720 261,400.00 242,000.00
6831898892 198,500.00 197,501.00
6832157645 290,000.00 290,000.00
0000000000 470,000.00 0.00
6836973278 455,000.00 455,000.00
6838420302 133,000.00 0.00
6840353814 125,000.00 125,000.00
6842611987 78,000.00 78,000.00
6844199908 430,000.00 0.00
0000000000 412,000.00 410,000.00
6846019047 804,000.00 0.00
6848030216 250,000.00 186,254.00
6848351224 163,000.00 0.00
6852955258 83,000.00 82,000.00
6855279268 404,000.00 0.00
0000000000 95,000.00 95,000.00
6860841615 172,000.00 169,500.00
6861907027 453,000.00 450,000.00
6866534784 395,000.00 0.00
6867838572 100,000.00 107,000.00
6868676187 127,000.00 123,500.00
6874297804 199,000.00 0.00
6875679661 1,200,000.00 0.00
6879676143 185,000.00 170,625.00
6881216011 103,000.00 100,000.00
6882055772 150,000.00 0.00
0000000000 450,000.00 0.00
6888789077 239,000.00 239,000.00
6891863349 370,000.00 0.00
6892121648 400,000.00 345,000.00
6892612000 290,000.00 290,000.00
6893849643 330,000.00 330,000.00
6895849716 156,778.00 180,000.00
6897816234 833,000.00 0.00
6903017868 118,000.00 110,000.00
6908690586 118,000.00 115,000.00
6909529452 156,000.00 147,000.00
6909958404 204,351.00 0.00
6911144050 465,000.00 0.00
6914238230 695,000.00 695,000.00
0000000000 311,000.00 142,000.00
6915972647 271,000.00 199,000.00
6917291608 98,000.00 0.00
6920465637 228,000.00 228,000.00
6922608523 425,000.00 431,000.00
6923793498 260,000.00 260,000.00
0000000000 360,000.00 0.00
6925317460 113,500.00 113,500.00
6927985322 293,000.00 291,000.00
6928030177 240,000.00 0.00
6930561110 340,000.00 339,900.00
6940398024 187,500.00 0.00
6942294387 195,000.00 195,000.00
6944201877 198,000.00 197,898.00
6945834718 900,000.00 0.00
6947266133 310,000.00 292,079.00
6952511340 131,500.00 131,400.00
0000000000 280,000.00 280,000.00
6958279397 250,000.00 260,000.00
6966355825 395,000.00 395,000.00
6972571894 172,000.00 160,000.00
6973840488 149,000.00 0.00
6974382050 35,000.00 0.00
6974584861 150,000.00 146,675.00
6981491902 275,000.00 264,900.00
6986440656 108,000.00 107,156.00
6987910640 225,000.00 209,000.00
6988565500 315,000.00 0.00
6988822638 125,000.00 0.00
6994602917 379,000.00 0.00
EXHIBIT D-2
MORTGAGE LOAN SCHEDULE
(LOAN GROUP 2)
[LOGO - Bank of America]
BOAALT 2006-01
Group 2:
Mortgage Schedule
Loan Property
Number Type Occupancy
----------------------------------------------------------------------
3302266824 PUD Detached Primary (Owner Occupied)
3302601111 Single Family Primary (Owner Occupied)
3302601384 Single Family Primary (Owner Occupied)
3302948355 Single Family Primary (Owner Occupied)
3302959063 Single Family Primary (Owner Occupied)
3302995109 Single Family Primary (Owner Occupied)
3303022416 Single Family Primary (Owner Occupied)
3303077576 Single Family Primary (Owner Occupied)
3303094373 Single Family Primary (Owner Occupied)
3303123131 PUD Detached Primary (Owner Occupied)
3303139343 PUD Detached Primary (Owner Occupied)
3303160166 PUD Detached Primary (Owner Occupied)
3303177376 PUD Detached Primary (Owner Occupied)
3303278976 Single Family Primary (Owner Occupied)
3303279529 Single Family Primary (Owner Occupied)
3303282952 Single Family Primary (Owner Occupied)
3303315323 Single Family Primary (Owner Occupied)
3303330074 Single Family Primary (Owner Occupied)
3303333938 PUD Detached Primary (Owner Occupied)
3303336600 Single Family Primary (Owner Occupied)
3303347144 Single Family Primary (Owner Occupied)
3303363224 Single Family Primary (Owner Occupied)
3303364883 Single Family Primary (Owner Occupied)
3303365401 Two Family Primary (Owner Occupied)
3303368181 PUD Detached Primary (Owner Occupied)
3303392298 Single Family Primary (Owner Occupied)
3303393791 Single Family Primary (Owner Occupied)
3303400935 Single Family Primary (Owner Occupied)
3303414548 Single Family Primary (Owner Occupied)
3303417954 Two Family Primary (Owner Occupied)
3303419240 Single Family Primary (Owner Occupied)
3303430916 Single Family Primary (Owner Occupied)
3303442911 Single Family Primary (Owner Occupied)
3303448405 PUD Attached Primary (Owner Occupied)
3303449692 Single Family Primary (Owner Occupied)
3303450559 Single Family Primary (Owner Occupied)
3303466324 Single Family Primary (Owner Occupied)
3303468577 Two Family Primary (Owner Occupied)
3303474518 Single Family Primary (Owner Occupied)
3303477594 Single Family Primary (Owner Occupied)
3303480275 Three Family Primary (Owner Occupied)
3303480739 Single Family Primary (Owner Occupied)
3303480879 Single Family Primary (Owner Occupied)
3303484822 Single Family Primary (Owner Occupied)
3303484962 Single Family Primary (Owner Occupied)
3303488773 Single Family Primary (Owner Occupied)
3303489441 Single Family Primary (Owner Occupied)
3303489953 Single Family Primary (Owner Occupied)
3303493146 Two Family Primary (Owner Occupied)
3303496248 Single Family Primary (Owner Occupied)
3303501369 Single Family Primary (Owner Occupied)
3303512986 Two Family Primary (Owner Occupied)
3303522688 CL Primary (Owner Occupied)
3303529345 Single Family Primary (Owner Occupied)
3303529543 Two Family Primary (Owner Occupied)
3303539146 Single Family Primary (Owner Occupied)
3303543478 Two Family Primary (Owner Occupied)
3303552586 Two Family Primary (Owner Occupied)
3303563054 Two Family Primary (Owner Occupied)
3303570984 Single Family Primary (Owner Occupied)
3303572766 Two Family Primary (Owner Occupied)
3303579118 Single Family Primary (Owner Occupied)
3303581536 Single Family Primary (Owner Occupied)
3303588390 Single Family Primary (Owner Occupied)
3303588580 Two Family Primary (Owner Occupied)
3303592269 Single Family Primary (Owner Occupied)
3303597573 Three Family Primary (Owner Occupied)
3303600435 Three Family Primary (Owner Occupied)
3303608172 Single Family Primary (Owner Occupied)
3303609691 Single Family Primary (Owner Occupied)
3303615557 Single Family Primary (Owner Occupied)
3303626364 Two Family Primary (Owner Occupied)
3303630101 Single Family Primary (Owner Occupied)
3303631018 Single Family Primary (Owner Occupied)
3303653194 Two Family Primary (Owner Occupied)
3303696623 Two Family Primary (Owner Occupied)
6000561255 Two Family Primary (Owner Occupied)
6001428199 Two Family Primary (Owner Occupied)
6004787112 PUD Attached Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6014525569 Two Family Primary (Owner Occupied)
6014841735 Single Family Primary (Owner Occupied)
6015060822 Single Family Primary (Owner Occupied)
6015196154 CL Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6016838663 Single Family Primary (Owner Occupied)
6020340409 Single Family Secondary (Owner Occupied)
6024819325 PUD Detached Primary (Owner Occupied)
6031105544 Single Family Primary (Owner Occupied)
6034028107 Single Family Primary (Owner Occupied)
6034382371 Two Family Primary (Owner Occupied)
6038150329 Single Family Primary (Owner Occupied)
6039373979 Two Family Primary (Owner Occupied)
0000000000 Townhouse Primary (Owner Occupied)
6049387837 Single Family Primary (Owner Occupied)
6050109203 Single Family Primary (Owner Occupied)
6050529525 PUD Detached Secondary (Owner Occupied)
0000000000 CL Primary (Owner Occupied)
0000000000 PUD Detached Primary (Owner Occupied)
6054099749 Single Family Primary (Owner Occupied)
6054216483 Single Family Primary (Owner Occupied)
6056716621 Two Family Primary (Owner Occupied)
6057622208 Two Family Primary (Owner Occupied)
6058641058 Single Family Primary (Owner Occupied)
6059423142 Single Family Primary (Owner Occupied)
6059997350 Single Family Primary (Owner Occupied)
6060257745 PUD Detached Primary (Owner Occupied)
0000000000 Two Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6072898155 Single Family Primary (Owner Occupied)
6073416189 Single Family Primary (Owner Occupied)
6073762541 Single Family Primary (Owner Occupied)
6073883594 CL Primary (Owner Occupied)
6076633046 Condo Highrise Primary (Owner Occupied)
6076925749 Single Family Primary (Owner Occupied)
6077738448 Single Family Primary (Owner Occupied)
6077962337 PUD Detached Primary (Owner Occupied)
6078262406 Single Family Primary (Owner Occupied)
6078527543 Single Family Primary (Owner Occupied)
6080535054 Single Family Primary (Owner Occupied)
6081779040 Single Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6087014863 PUD Detached Secondary (Owner Occupied)
6091020070 PUD Detached Primary (Owner Occupied)
6096102162 Single Family Primary (Owner Occupied)
6096118457 Single Family Primary (Owner Occupied)
6096131559 PUD Detached Primary (Owner Occupied)
6097150731 PUD Detached Primary (Owner Occupied)
6097777012 Single Family Primary (Owner Occupied)
6098301903 Single Family Primary (Owner Occupied)
6098669382 Single Family Primary (Owner Occupied)
6099416270 Single Family Secondary (Owner Occupied)
6102748339 Single Family Secondary (Owner Occupied)
6103877590 Two Family Primary (Owner Occupied)
6104138638 PUD Detached Primary (Owner Occupied)
6104431124 PUD Attached Primary (Owner Occupied)
6105370545 Single Family Primary (Owner Occupied)
6105740432 Condo Highrise Primary (Owner Occupied)
6105994971 Single Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6111373905 Single Family Primary (Owner Occupied)
6112159493 Single Family Primary (Owner Occupied)
0000000000 PUD Detached Primary (Owner Occupied)
6118371761 Two Family Primary (Owner Occupied)
6121723594 Single Family Primary (Owner Occupied)
6122074617 Two Family Primary (Owner Occupied)
6122100271 Single Family Primary (Owner Occupied)
6123882802 Single Family Primary (Owner Occupied)
6128487367 Single Family Primary (Owner Occupied)
6130079640 Single Family Primary (Owner Occupied)
6131236827 Single Family Primary (Owner Occupied)
6132857829 Single Family Primary (Owner Occupied)
6132959864 Single Family Primary (Owner Occupied)
6135750120 PUD Detached Primary (Owner Occupied)
6137520679 Single Family Primary (Owner Occupied)
6138428062 Single Family Primary (Owner Occupied)
6139633363 Single Family Primary (Owner Occupied)
6141620002 Single Family Primary (Owner Occupied)
6142390761 Single Family Primary (Owner Occupied)
6142976262 Single Family Primary (Owner Occupied)
6144235428 CL Primary (Owner Occupied)
6146018194 PUD Detached Primary (Owner Occupied)
6151728992 Single Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6152351646 PUD Detached Primary (Owner Occupied)
6153520934 Two Family Primary (Owner Occupied)
6157645745 PUD Attached Primary (Owner Occupied)
6157652345 Single Family Primary (Owner Occupied)
6157671162 Single Family Primary (Owner Occupied)
6158049541 PUD Detached Primary (Owner Occupied)
6158306131 Single Family Primary (Owner Occupied)
6158687027 Single Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6162028549 Condo Highrise Primary (Owner Occupied)
6164645936 Single Family Secondary (Owner Occupied)
6165429371 Single Family Primary (Owner Occupied)
6165520120 CL Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6176585401 PUD Detached Primary (Owner Occupied)
6177025993 PUD Detached Secondary (Owner Occupied)
6179163974 Single Family Primary (Owner Occupied)
6179706376 Single Family Primary (Owner Occupied)
6180044916 Single Family Primary (Owner Occupied)
6186354772 Single Family Primary (Owner Occupied)
6186446776 Single Family Primary (Owner Occupied)
6188677642 Single Family Primary (Owner Occupied)
6188904228 PUD Detached Primary (Owner Occupied)
6189126326 PUD Detached Primary (Owner Occupied)
6192540281 Single Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6201391700 Single Family Primary (Owner Occupied)
6204064817 Single Family Primary (Owner Occupied)
6206525989 Single Family Primary (Owner Occupied)
6209287637 Single Family Primary (Owner Occupied)
6209297511 Single Family Secondary (Owner Occupied)
6213406769 Single Family Primary (Owner Occupied)
6218233184 Two Family Primary (Owner Occupied)
6223921427 Single Family Primary (Owner Occupied)
6224140274 CL Secondary (Owner Occupied)
6224228319 PUD Attached Primary (Owner Occupied)
6229329690 Single Family Primary (Owner Occupied)
6231535748 PUD Detached Primary (Owner Occupied)
6234167168 Single Family Primary (Owner Occupied)
6235528392 Single Family Primary (Owner Occupied)
6238236407 Single Family Primary (Owner Occupied)
6239096842 Single Family Primary (Owner Occupied)
0000000000 CL Primary (Owner Occupied)
6240964335 Two Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6244362783 PUD Detached Primary (Owner Occupied)
6245049124 Single Family Primary (Owner Occupied)
6245431264 Single Family Primary (Owner Occupied)
6249846095 Single Family Secondary (Owner Occupied)
0000000000 PUD Detached Primary (Owner Occupied)
6252493926 Single Family Primary (Owner Occupied)
6256235620 Single Family Primary (Owner Occupied)
6257731767 PUD Attached Primary (Owner Occupied)
6257847795 Two Family Primary (Owner Occupied)
6258206215 PUD Detached Primary (Owner Occupied)
6263374818 Two Family Primary (Owner Occupied)
6264746220 Single Family Primary (Owner Occupied)
6267405428 Single Family Primary (Owner Occupied)
6269228398 Single Family Primary (Owner Occupied)
6274070199 Two Family Primary (Owner Occupied)
6274982989 CL Primary (Owner Occupied)
6287341710 CL Primary (Owner Occupied)
6290595583 Single Family Primary (Owner Occupied)
6293742661 Single Family Primary (Owner Occupied)
6296586941 Single Family Primary (Owner Occupied)
6298067312 Single Family Primary (Owner Occupied)
6298198190 PUD Detached Primary (Owner Occupied)
6298881407 Single Family Primary (Owner Occupied)
6303790932 Single Family Primary (Owner Occupied)
6307296779 Single Family Primary (Owner Occupied)
6307615879 Single Family Primary (Owner Occupied)
6310225930 PUD Detached Primary (Owner Occupied)
0000000000 Two Family Primary (Owner Occupied)
6314964609 Single Family Primary (Owner Occupied)
6315509882 Townhouse Primary (Owner Occupied)
6315739620 Single Family Primary (Owner Occupied)
6316122115 Single Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6318186720 Single Family Primary (Owner Occupied)
6318980080 Single Family Primary (Owner Occupied)
6319450737 Single Family Primary (Owner Occupied)
6325277439 Single Family Primary (Owner Occupied)
6327130842 Single Family Primary (Owner Occupied)
6327871379 Two Family Primary (Owner Occupied)
6328123820 Single Family Primary (Owner Occupied)
6329296211 Single Family Primary (Owner Occupied)
6332354783 Single Family Primary (Owner Occupied)
6337216805 Single Family Primary (Owner Occupied)
6340599692 PUD Detached Primary (Owner Occupied)
6340699559 PUD Attached Primary (Owner Occupied)
6343004260 Single Family Secondary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
0000000000 Single Family Primary (Owner Occupied)
6348889897 CL Primary (Owner Occupied)
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Loan Loan Doc Original
Number Purpose Type LTV (%)
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3302266824 Purchase No Ratio 91.61
3302601111 Purchase Standard 80.00
3302601384 Purchase Standard 80.00
3302948355 Purchase Standard 80.00
3302959063 Purchase Paper Saver 95.00
3302995109 Refinance_Equity_Takeout Paper Saver 82.16
3303022416 Purchase Standard 80.00
3303077576 Purchase No Ratio 66.83
3303094373 Purchase Standard 80.00
3303123131 Purchase Standard 78.63
3303139343 Refinance_No_Cash_Out Stated 91.89
3303160166 Purchase Standard 80.00
3303177376 Purchase No Ratio 69.26
3303278976 Purchase Standard 80.00
3303279529 Purchase Standard 80.00
3303282952 Purchase Rapid 80.00
3303315323 Purchase No Ratio 78.26
3303330074 Purchase Standard 80.00
3303333938 Purchase Standard 80.00
3303336600 Purchase Standard 80.00
3303347144 Refinance_Equity_Takeout Stated 44.81
3303363224 Purchase Standard 80.00
3303364883 Purchase Paper Saver 92.72
3303365401 Refinance_Equity_Takeout Stated 63.46
3303368181 Purchase No Ratio 80.00
3303392298 Purchase Standard 80.00
3303393791 Purchase Rapid 80.00
3303400935 Refinance_Equity_Takeout Stated 68.79
3303414548 Purchase Standard 80.00
3303417954 Purchase No Ratio 79.16
3303419240 Purchase Standard 80.00
3303430916 Purchase Standard 80.00
3303442911 Purchase Standard 80.00
3303448405 Purchase Standard 80.00
3303449692 Purchase Standard 80.00
3303450559 Purchase Standard 80.00
3303466324 Purchase Standard 80.00
3303468577 Refinance_Equity_Takeout Stated 50.37
3303474518 Purchase Standard 80.00
3303477594 Purchase Paper Saver 95.00
3303480275 Refinance_Equity_Takeout Stated 31.48
3303480739 Purchase Standard 80.00
3303480879 Purchase Standard 80.00
3303484822 Refinance_No_Cash_Out Paper Saver 84.50
3303484962 Purchase Standard 80.00
3303488773 Purchase Standard 79.99
3303489441 Purchase Standard 80.00
3303489953 Purchase Standard 79.99
3303493146 Refinance_Equity_Takeout Stated 57.51
3303496248 Purchase Standard 80.00
3303501369 Purchase Standard 80.00
3303512986 Refinance_Equity_Takeout Stated 79.75
3303522688 Purchase Standard 80.00
3303529345 Purchase Standard 80.00
3303529543 Refinance_Equity_Takeout Stated 41.90
3303539146 Purchase Standard 80.00
3303543478 Refinance_Equity_Takeout Stated 60.79
3303552586 Refinance_Equity_Takeout Stated 79.00
3303563054 Refinance_Equity_Takeout Stated 34.00
3303570984 Purchase Standard 80.00
3303572766 Refinance_Equity_Takeout Stated 18.86
3303579118 Purchase Standard 80.00
3303581536 Purchase Standard 80.00
3303588390 Purchase No Ratio 80.00
3303588580 Refinance_Equity_Takeout Stated 52.22
3303592269 Purchase Standard 80.00
3303597573 Refinance_Equity_Takeout Stated 27.42
3303600435 Refinance_Equity_Takeout Stated 35.67
3303608172 Purchase Standard 80.00
3303609691 Purchase Standard 80.00
3303615557 Purchase Standard 80.00
3303626364 Refinance_Equity_Takeout Stated 79.33
3303630101 Purchase Standard 80.00
3303631018 Refinance_Equity_Takeout Stated 46.88
3303653194 Purchase No Ratio 91.13
3303696623 Purchase No Ratio 80.00
6000561255 Refinance_Equity_Takeout Stated 55.86
6001428199 Refinance_Equity_Takeout Stated 14.69
6004787112 Purchase Standard 77.75
0000000000 Purchase Standard 97.00
6014525569 Refinance_Equity_Takeout Stated 10.06
6014841735 Purchase Standard 79.99
6015060822 Purchase Standard 80.00
6015196154 Purchase Standard 80.00
0000000000 Purchase No Ratio 70.37
6016838663 Purchase DU 80.00
6020340409 Refinance_Equity_Takeout Stated 53.72
6024819325 Purchase DU 80.00
6031105544 Purchase DU 79.93
6034028107 Purchase Standard 80.00
6034382371 Refinance_Equity_Takeout Stated 72.72
6038150329 Purchase Standard 80.00
6039373979 Refinance_No_Cash_Out Stated 14.83
0000000000 Refinance_Equity_Takeout Stated 63.13
6049387837 Purchase DU 80.00
6050109203 Purchase Standard 79.98
6050529525 Purchase No Ratio 95.00
0000000000 Purchase Standard 80.00
0000000000 Purchase Standard 80.00
6054099749 Purchase Standard 80.00
6054216483 Purchase Standard 80.00
6056716621 Refinance_Equity_Takeout Stated 51.43
6057622208 Purchase No Ratio 61.22
6058641058 Purchase Standard 80.00
6059423142 Purchase Standard 80.00
6059997350 Refinance_No_Cash_Out Standard 80.00
6060257745 Purchase Rapid 79.99
0000000000 Refinance_Equity_Takeout Stated 16.93
0000000000 Purchase Stated 69.99
6072898155 Purchase Standard 80.00
6073416189 Purchase DU 80.00
6073762541 Purchase DU 80.00
6073883594 Purchase Stated 90.00
6076633046 Purchase Standard 80.00
6076925749 Refinance_Equity_Takeout Stated 60.87
6077738448 Purchase Standard 80.00
6077962337 Construction_Permanent Stated 79.99
6078262406 Purchase Standard 80.00
6078527543 Purchase DU 80.00
6080535054 Purchase Standard 80.00
6081779040 Refinance_Equity_Takeout Stated 75.00
0000000000 Refinance_Equity_Takeout Stated 71.55
6087014863 Purchase No Ratio 70.99
6091020070 Purchase Standard 80.00
6096102162 Refinance_No_Cash_Out Stated 50.00
6096118457 Purchase Standard 100.0
6096131559 Refinance_Equity_Takeout Stated 75.98
6097150731 Purchase DU 80.00
6097777012 Purchase Standard 80.00
6098301903 Purchase Standard 80.00
6098669382 Refinance_No_Cash_Out Stated 80.00
6099416270 Purchase No Ratio 80.00
6102748339 Purchase Standard 80.00
6103877590 Purchase No Ratio 80.00
6104138638 Purchase DU 80.00
6104431124 Purchase Standard 80.00
6105370545 Construction_Permanent Stated 68.38
6105740432 Purchase Standard 79.99
6105994971 Purchase No Ratio 80.00
0000000000 Purchase Stated 90.00
6111373905 Refinance_No_Cash_Out Stated 37.77
6112159493 Purchase Standard 80.00
0000000000 Refinance_No_Cash_Out Stated 40.57
6118371761 Refinance_No_Cash_Out Stated 74.77
6121723594 Purchase DU 80.00
6122074617 Refinance_Equity_Takeout Stated 58.89
6122100271 Purchase Standard 80.00
6123882802 Purchase Standard 80.00
6128487367 Refinance_Equity_Takeout Stated 80.00
6130079640 Purchase Standard 80.00
6131236827 Purchase Standard 80.00
6132857829 Purchase Stated 90.00
6132959864 Purchase Standard 80.00
6135750120 Purchase Standard 80.00
6137520679 Refinance_Equity_Takeout Stated 38.86
6138428062 Purchase Standard 80.00
6139633363 Purchase Stated 90.00
6141620002 Purchase Standard 80.00
6142390761 Purchase Standard 80.00
6142976262 Purchase No Ratio 79.89
6144235428 Purchase Standard 80.00
6146018194 Purchase DU 80.00
6151728992 Purchase Standard 80.00
0000000000 Refinance_Equity_Takeout Stated 52.47
6152351646 Purchase Standard 79.99
6153520934 Refinance_No_Cash_Out Stated 66.36
6157645745 Purchase DU 80.00
6157652345 Purchase Standard 80.00
6157671162 Purchase Standard 79.99
6158049541 Purchase Standard 80.00
6158306131 Purchase DU 80.00
6158687027 Purchase DU 78.18
0000000000 Purchase Standard 80.00
6162028549 Purchase Standard 80.00
6164645936 Purchase Standard 80.00
6165429371 Construction_Permanent Stated 75.00
6165520120 Purchase Standard 80.00
0000000000 Purchase Standard 80.00
6176585401 Purchase Standard 80.00
6177025993 Purchase Standard 80.00
6179163974 Purchase Standard 80.00
6179706376 Purchase Standard 80.00
6180044916 Refinance_Equity_Takeout Stated 73.17
6186354772 Purchase Standard 80.00
6186446776 Purchase Standard 80.00
6188677642 Purchase Standard 80.00
6188904228 Purchase DU 80.00
6189126326 Purchase Standard 80.00
6192540281 Refinance_Equity_Takeout Stated 80.00
0000000000 Purchase DU 80.00
6201391700 Refinance_No_Cash_Out Standard 79.55
6204064817 Refinance_Equity_Takeout Stated 76.00
6206525989 Purchase Standard 80.00
6209287637 Purchase DU 80.00
6209297511 Purchase Standard 80.00
6213406769 Purchase DU 80.00
6218233184 Refinance_Equity_Takeout Stated 11.82
6223921427 Purchase Standard 80.00
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Original
Loan Mortgage Interest Principal First Payment
Number Rate (%) Balance ($) Date
--------------------------------------------------------------------------------
3302266824 6.125 234,000.00 2/1/2006
3302601111 6.5 184,000.00 1/1/2006
3302601384 5.75 63,608.00 2/1/2006
3302948355 6.5 80,000.00 1/1/2006
3302959063 6.25 109,250.00 2/1/2006
3302995109 6 254,711.00 1/1/2006
3303022416 6.5 140,676.00 1/1/2006
3303077576 6.25 221,700.00 2/1/2006
3303094373 6.5 232,000.00 1/1/2006
3303123131 6.125 230,644.00 1/1/2006
3303139343 5.125 105,680.00 11/1/2005
3303160166 6.5 102,320.00 1/1/2006
3303177376 6 169,000.00 2/1/2006
3303278976 5.75 189,600.00 2/1/2006
3303279529 6.25 111,920.00 2/1/2006
3303282952 6.5 104,000.00 1/1/2006
3303315323 5.375 180,000.00 1/1/2006
3303330074 6.25 234,800.00 2/1/2006
3303333938 6.375 116,400.00 1/1/2006
3303336600 6.25 50,280.00 1/1/2006
3303347144 6.125 171,650.00 2/1/2006
3303363224 6.125 92,400.00 1/1/2006
3303364883 6.25 153,000.00 1/1/2006
3303365401 5.875 272,883.00 2/1/2006
3303368181 6.125 284,000.00 1/1/2006
3303392298 6.25 84,000.00 1/1/2006
3303393791 6.25 76,000.00 2/1/2006
3303400935 5.875 134,830.00 2/1/2006
3303414548 6 82,800.00 1/1/2006
3303417954 5.875 380,000.00 2/1/2006
3303419240 5.875 187,352.00 1/1/2006
3303430916 6.375 65,600.00 1/1/2006
3303442911 6.5 113,920.00 2/1/2006
3303448405 6.25 84,720.00 1/1/2006
3303449692 6.125 69,520.00 1/1/2006
3303450559 6.5 160,000.00 1/1/2006
3303466324 6 105,600.00 1/1/2006
3303468577 5.75 314,829.00 2/1/2006
3303474518 6.125 61,040.00 2/1/2006
3303477594 6.125 237,500.00 1/1/2006
3303480275 5.625 250,290.00 1/1/2006
3303480739 5.875 114,000.00 2/1/2006
3303480879 5.75 107,920.00 1/1/2006
3303484822 5.875 76,900.00 1/1/2006
3303484962 6.25 175,920.00 1/1/2006
3303488773 5.875 153,468.00 1/1/2006
3303489441 6.375 95,793.00 1/1/2006
3303489953 6.5 86,397.00 2/1/2006
3303493146 6.25 133,444.00 2/1/2006
3303496248 6.375 116,000.00 2/1/2006
3303501369 5.875 152,000.00 1/1/2006
3303512986 6.375 193,000.00 2/1/2006
3303522688 6.5 62,586.00 2/1/2006
3303529345 5.875 57,600.00 2/1/2006
3303529543 6 220,000.00 2/1/2006
3303539146 6.125 128,800.00 2/1/2006
3303543478 5.875 279,669.00 1/1/2006
3303552586 5.875 185,650.00 2/1/2006
3303563054 5.875 238,000.00 2/1/2006
3303570984 6.125 120,000.00 1/1/2006
3303572766 6.375 100,000.00 2/1/2006
3303579118 6.5 100,800.00 2/1/2006
3303581536 5.875 68,000.00 2/1/2006
3303588390 6 52,000.00 2/1/2006
3303588580 6.375 235,021.00 2/1/2006
3303592269 6.25 129,600.00 2/1/2006
3303597573 6.5 271,500.00 2/1/2006
3303600435 6.5 135,913.00 2/1/2006
3303608172 6.5 132,354.40 2/1/2006
3303609691 6.25 204,000.00 2/1/2006
3303615557 6.25 215,920.00 2/1/2006
3303626364 6 205,485.00 2/1/2006
3303630101 6.25 130,400.00 2/1/2006
3303631018 5.625 289,732.00 2/1/2006
3303653194 6.375 360,000.00 2/1/2006
3303696623 6.375 240,000.00 2/1/2006
6000561255 5.75 405,000.00 1/1/2006
6001428199 5.875 305,000.00 1/1/2006
6004787112 6.375 69,900.00 1/1/2006
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6014525569 6.25 73,000.00 2/1/2006
6014841735 6.25 87,999.00 2/1/2006
6015060822 6.125 227,920.00 1/1/2006
6015196154 6.25 212,000.00 2/1/2006
0000000000 6.25 385,000.00 1/1/2006
6016838663 6.25 132,800.00 2/1/2006
6020340409 6.375 86,500.00 1/1/2006
6024819325 6.375 180,800.00 1/1/2006
6031105544 6.375 102,600.00 2/1/2006
6034028107 6.5 44,800.00 2/1/2006
6034382371 6.125 360,000.00 1/1/2006
6038150329 6 72,000.00 2/1/2006
6039373979 6.375 267,000.00 1/1/2006
0000000000 6.25 375,000.00 2/1/2006
6049387837 6.375 274,000.00 2/1/2006
6050109203 6.375 100,700.00 2/1/2006
6050529525 6.125 225,055.00 1/1/2006
0000000000 6.375 66,000.00 1/1/2006
0000000000 5.75 146,164.00 1/1/2006
6054099749 6.25 180,000.00 2/1/2006
6054216483 6 400,000.00 1/1/2006
6056716621 5.5 168,700.00 2/1/2006
6057622208 5.25 300,000.00 1/1/2006
6058641058 6.5 106,400.00 1/1/2006
6059423142 6.375 125,600.00 1/1/2006
6059997350 5.875 160,000.00 2/1/2006
6060257745 6.5 126,821.00 2/1/2006
0000000000 5.875 135,500.00 1/1/2006
0000000000 5.75 369,180.00 1/1/2006
6072898155 6.25 191,200.00 1/1/2006
6073416189 6.5 123,200.00 1/1/2006
6073762541 6.375 162,800.00 2/1/2006
6073883594 6.5 235,800.00 1/1/2006
6076633046 6.5 88,000.00 11/1/2005
6076925749 6.25 277,000.00 10/1/2005
6077738448 6.25 107,520.00 1/1/2006
6077962337 5.875 216,103.00 1/1/2006
6078262406 6.5 167,920.00 2/1/2006
6078527543 6.375 108,800.00 2/1/2006
6080535054 6.25 108,000.00 1/1/2006
6081779040 6.375 87,000.00 1/1/2006
0000000000 6.375 275,500.00 2/1/2006
6087014863 6 350,000.00 2/1/2006
6091020070 6.125 159,920.00 2/1/2006
6096102162 6 216,000.00 2/1/2006
6096118457 6.375 95,000.00 1/1/2006
6096131559 6.25 410,300.00 2/1/2006
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6865838350 6.5 189,600.00 1/1/2006
6868593689 6.5 408,000.00 2/1/2006
6869491388 5.875 216,000.00 1/1/2006
6870841308 6 160,000.00 1/1/2006
6871336415 6.5 119,944.00 1/1/2006
6871455082 6.25 200,000.00 2/1/2006
6877194032 6 51,120.00 1/1/2006
6878714473 6.5 417,000.00 2/1/2006
6879002167 6.25 182,892.00 1/1/2006
0000000000 5.875 149,600.00 10/1/2005
6880313926 6.125 189,200.00 2/1/2006
6882470252 5.875 187,081.00 12/1/2005
6884455251 6.375 160,155.00 2/1/2006
6887375191 6 77,341.00 1/1/2006
0000000000 6.375 261,000.00 2/1/2006
6893857059 6.375 106,296.00 1/1/2006
6898489791 6.5 116,400.00 2/1/2006
6900637049 6.5 48,800.00 1/1/2006
6902830543 6.125 142,400.00 12/1/2005
6903050778 6.125 217,600.00 1/1/2006
6903593215 6.125 320,000.00 2/1/2006
6904301386 6 240,000.00 2/1/2006
6904680722 6.5 228,000.00 1/1/2006
0000000000 6.375 106,400.00 1/1/2006
0000000000 6 240,000.00 1/1/2006
6908595629 6.5 184,000.00 1/1/2006
6910705620 6.5 236,800.00 1/1/2006
6910769998 6.375 88,000.00 2/1/2006
6911804067 5.875 268,410.00 2/1/2006
6915377508 6 312,000.00 2/1/2006
6916115923 6.5 185,600.00 1/1/2006
6921039274 6.25 92,000.00 2/1/2006
6922806473 6.5 240,752.00 1/1/2006
6923338237 6.375 74,850.00 1/1/2006
6924817320 6.375 212,000.00 2/1/2006
0000000000 6.25 172,000.00 1/1/2006
6929767868 6.5 66,000.00 2/1/2006
6930026585 6.375 102,800.00 2/1/2006
6934483485 6.375 417,000.00 2/1/2006
6935587276 6.375 222,400.00 2/1/2006
6935616539 6.5 80,000.00 2/1/2006
6941232917 6 79,900.00 11/1/2005
6941815927 6.375 266,437.00 2/1/2006
6942732964 6.5 260,000.00 1/1/2006
6944390423 6.5 312,000.00 1/1/2006
6944870945 6.5 311,500.00 1/1/2006
6947790264 6.25 37,600.00 1/1/2006
6948975419 6.375 68,000.00 2/1/2006
6950241551 6.5 268,703.00 2/1/2006
0000000000 6.25 71,200.00 12/1/2005
6952894480 6.5 260,000.00 1/1/2006
6955714891 6.375 395,200.00 1/1/2006
6958557362 6.375 143,256.00 1/1/2006
6959763365 6.375 215,200.00 2/1/2006
6967037083 6 247,920.00 1/1/2006
6971914921 6.375 280,800.00 1/1/2006
0000000000 6.5 180,000.00 2/1/2006
6972440884 6.375 300,000.00 1/1/2006
6974196898 6.125 233,600.00 1/1/2006
6978847272 6.5 108,500.00 1/1/2006
6980723255 6.125 200,000.00 1/1/2006
0000000000 6.25 195,000.00 1/1/2006
6981233791 6.5 272,000.00 1/1/2006
6981635904 6.5 110,000.00 1/1/2006
6981854976 6.5 140,000.00 2/1/2006
6982137561 6.125 121,000.00 1/1/2006
6982473677 6 84,000.00 1/1/2006
6983541712 6.5 165,000.00 2/1/2006
6984346590 6.25 225,000.00 1/1/2006
6984384120 6.25 85,600.00 1/1/2006
6984626371 6 284,000.00 1/1/2006
6985258729 6.25 230,400.00 2/1/2006
6987611719 6.125 171,000.00 2/1/2006
6991732303 5.75 134,416.00 1/1/2006
6993757290 5.75 120,000.00 2/1/2006
Loan Maturity Original Monthly
Number Date Term (Months) Payment ($)
-----------------------------------------------------------------------------
3302266824 1/1/2036 360 1,421.81
3302601111 12/1/2035 360 1,163.01
3302601384 1/1/2036 360 371.20
3302948355 12/1/2035 360 505.66
3302959063 1/1/2036 360 672.68
3302995109 12/1/2035 360 1,527.13
3303022416 12/1/2035 360 889.17
3303077576 1/1/2036 360 1,365.05
3303094373 12/1/2035 360 1,466.40
3303123131 12/1/2035 360 1,401.42
3303139343 10/1/2025 240 704.76
3303160166 12/1/2035 360 646.74
3303177376 1/1/2036 360 1,013.25
3303278976 1/1/2036 360 1,106.46
3303279529 1/1/2036 360 689.12
3303282952 12/1/2035 360 657.36
3303315323 12/1/2035 360 1,007.95
3303330074 1/1/2036 360 1,445.71
3303333938 12/1/2035 360 726.19
3303336600 12/1/2035 360 309.59
3303347144 1/1/2036 360 1,042.97
3303363224 12/1/2035 360 561.44
3303364883 12/1/2035 360 942.05
3303365401 1/1/2036 360 1,614.21
3303368181 12/1/2035 360 1,725.62
3303392298 12/1/2035 360 517.21
3303393791 1/1/2036 360 467.95
3303400935 1/1/2036 360 797.58
3303414548 12/1/2035 360 496.43
3303417954 1/1/2036 360 2,247.85
3303419240 12/1/2035 360 1,108.26
3303430916 12/1/2035 360 409.26
3303442911 1/1/2036 360 720.06
3303448405 12/1/2035 360 521.64
3303449692 12/1/2035 360 422.42
3303450559 12/1/2035 360 1,011.31
3303466324 12/1/2035 360 633.13
3303468577 1/1/2036 360 1,837.26
3303474518 1/1/2036 360 370.89
3303477594 12/1/2035 360 1,443.08
3303480275 12/1/2030 300 1,555.74
3303480739 1/1/2036 360 674.36
3303480879 12/1/2035 360 629.80
3303484822 12/1/2025 240 545.41
3303484962 12/1/2035 360 1,083.17
3303488773 12/1/2035 360 907.83
3303489441 12/1/2035 360 597.63
3303489953 1/1/2036 360 546.09
3303493146 1/1/2036 360 821.64
3303496248 1/1/2036 360 723.69
3303501369 12/1/2035 360 899.14
3303512986 1/1/2036 360 1,204.07
3303522688 1/1/2036 360 395.59
3303529345 1/1/2036 360 340.73
3303529543 1/1/2036 360 1,319.02
3303539146 1/1/2036 360 782.61
3303543478 12/1/2035 360 1,654.35
3303552586 1/1/2036 360 1,098.19
3303563054 1/1/2036 360 1,407.86
3303570984 12/1/2035 360 729.14
3303572766 1/1/2036 360 623.88
3303579118 1/1/2036 360 637.13
3303581536 1/1/2036 360 402.25
3303588390 1/1/2036 360 311.77
3303588580 1/1/2026 240 1,735.01
3303592269 1/1/2036 360 797.97
3303597573 1/1/2036 360 1,716.07
3303600435 1/1/2036 360 859.07
3303608172 1/1/2036 360 836.58
3303609691 1/1/2036 360 1,256.07
3303615557 1/1/2036 360 1,329.46
3303626364 1/1/2036 360 1,231.99
3303630101 1/1/2036 360 802.90
3303631018 1/1/2036 360 1,667.87
3303653194 1/1/2036 360 2,245.94
3303696623 1/1/2036 360 1,497.29
6000561255 12/1/2025 240 2,843.44
6001428199 12/1/2035 360 1,804.20
6004787112 12/1/2035 360 436.09
6005851438 1/1/2036 360 232.99
6014525569 1/1/2036 360 449.48
6014841735 1/1/2036 360 541.83
6015060822 12/1/2035 360 1,384.87
6015196154 1/1/2036 360 1,305.33
6015207183 12/1/2035 360 2,370.52
6016838663 1/1/2036 360 817.68
6020340409 12/1/2035 360 539.65
6024819325 12/1/2035 360 1,127.96
6031105544 1/1/2036 360 640.10
6034028107 1/1/2036 360 283.17
6034382371 12/1/2035 360 2,187.40
6038150329 1/1/2036 360 431.68
6039373979 12/1/2035 360 1,665.74
6042319027 1/1/2036 360 2,308.94
6049387837 1/1/2036 360 1,709.41
6050109203 1/1/2036 360 628.24
6050529525 12/1/2035 360 1,367.46
6050907234 12/1/2035 360 411.76
6051566724 12/1/2035 360 852.98
6054099749 1/1/2036 360 1,108.30
6054216483 12/1/2035 360 2,398.21
6056716621 1/1/2036 360 957.87
6057622208 12/1/2025 240 2,021.54
6058641058 12/1/2035 360 672.53
6059423142 12/1/2035 360 783.59
6059997350 1/1/2036 360 946.47
6060257745 1/1/2036 360 801.60
6070644247 12/1/2035 360 801.54
6072627455 12/1/2035 360 2,154.44
6072898155 12/1/2035 360 1,177.26
6073416189 12/1/2035 360 778.71
6073762541 1/1/2036 360 1,015.67
6073883594 12/1/2035 360 1,490.42
6076633046 10/1/2035 360 556.22
6076925749 9/1/2035 360 1,705.54
6077738448 12/1/2035 360 662.02
6077962337 12/1/2035 360 1,278.34
6078262406 1/1/2036 360 1,061.37
6078527543 1/1/2036 360 678.78
6080535054 12/1/2035 360 664.98
6081779040 12/1/2035 360 542.77
6082270304 1/1/2036 360 1,718.77
6087014863 1/1/2036 360 2,098.43
6091020070 1/1/2036 360 971.70
6096102162 1/1/2036 360 1,295.03
6096118457 12/1/2035 360 592.68
6096131559 1/1/2036 360 2,526.29
6097150731 1/1/2036 360 978.23
6097777012 12/1/2035 360 729.51
6098301903 1/1/2036 360 868.43
6098669382 1/1/2036 360 658.28
6099416270 12/1/2035 360 729.06
6102748339 12/1/2035 360 596.68
6103877590 1/1/2036 360 980.23
6104138638 12/1/2035 360 1,078.25
6104431124 1/1/2036 360 626.51
6105370545 11/1/2035 360 627.04
6105740432 12/1/2035 360 889.81
6105994971 12/1/2035 360 2,149.23
6110428221 1/1/2036 360 1,656.38
6111373905 12/1/2035 360 1,074.52
6112159493 1/1/2036 360 675.05
6113014614 1/1/2036 360 2,128.41
6118371761 1/1/2031 300 1,952.12
6121723594 12/1/2035 360 875.48
6122074617 1/1/2036 360 1,466.10
6122100271 12/1/2035 360 844.17
6123882802 1/1/2036 360 1,041.80
6128487367 1/1/2036 360 773.66
6130079640 12/1/2035 360 850.66
6131236827 12/1/2035 360 733.20
6132857829 1/1/2036 360 1,072.02
6132959864 1/1/2036 360 673.78
6135750120 1/1/2036 360 717.44
6137520679 12/1/2035 360 1,252.81
6138428062 12/1/2025 240 764.19
6139633363 12/1/2035 360 1,137.73
6141620002 12/1/2035 360 762.68
6142390761 12/1/2035 360 1,707.96
6142976262 12/1/2035 360 502.49
6144235428 1/1/2036 360 359.35
6146018194 12/1/2035 360 1,921.49
6151728992 12/1/2035 360 476.37
6151739809 1/1/2036 360 1,542.25
6152351646 1/1/2036 360 1,079.57
6153520934 1/1/2036 360 3,229.87
6157645745 12/1/2035 360 1,871.79
6157652345 12/1/2035 360 677.58
6157671162 12/1/2035 360 1,488.77
6158049541 1/1/2036 360 831.00
6158306131 12/1/2035 360 656.22
6158687027 12/1/2035 360 2,156.29
6159670980 1/1/2036 360 885.16
6162028549 1/1/2036 360 935.90
6164645936 12/1/2035 360 314.44
6165429371 12/1/2035 360 1,871.61
6165520120 1/1/2036 360 666.71
6172427814 12/1/2035 360 858.45
6176585401 12/1/2035 360 505.66
6177025993 1/1/2036 360 1,676.47
6179163974 12/1/2035 360 554.15
6179706376 12/1/2035 360 785.66
6180044916 1/1/2036 360 1,293.01
6186354772 1/1/2036 360 652.30
6186446776 1/1/2036 360 665.30
6188677642 12/1/2035 360 515.27
6188904228 11/1/2035 360 804.02
6189126326 12/1/2035 360 1,280.70
6192540281 1/1/2036 360 1,410.78
6193672893 9/1/2035 360 1,679.92
6201391700 1/1/2036 360 910.18
6204064817 12/1/2035 360 1,185.36
6206525989 12/1/2035 360 606.28
6209287637 1/1/2036 360 2,123.75
6209297511 12/1/2035 360 379.29
6213406769 12/1/2035 360 1,497.16
6218233184 1/1/2036 360 609.75
6223921427 1/1/2036 360 578.71
6224140274 12/1/2035 360 449.67
6224228319 12/1/2035 360 464.79
6229329690 1/1/2036 360 465.21
6231535748 12/1/2035 360 1,614.58
6234167168 12/1/2035 360 450.93
6235528392 1/1/2036 360 1,744.51
6238236407 12/1/2035 360 654.83
6239096842 1/1/2036 360 959.29
6240685070 12/1/2035 360 953.16
6240964335 1/1/2036 360 2,146.12
6243187470 1/1/2036 360 871.24
6244362783 1/1/2036 360 1,112.44
6245049124 12/1/2035 360 1,119.61
6245431264 1/1/2036 360 687.69
6249846095 12/1/2035 360 284.87
6249898344 12/1/2035 360 889.26
6252493926 12/1/2035 360 876.29
6256235620 12/1/2035 360 1,081.55
6257731767 1/1/2036 360 1,681.31
6257847795 12/1/2035 360 2,910.05
6258206215 12/1/2035 360 1,504.21
6263374818 12/1/2035 360 2,462.87
6264746220 1/1/2036 360 1,206.81
6267405428 1/1/2026 240 827.59
6269228398 11/1/2035 360 568.35
6274070199 1/1/2036 360 972.18
6274982989 12/1/2035 360 735.38
6287341710 1/1/2036 360 768.61
6290595583 1/1/2036 360 960.24
6293742661 12/1/2035 360 814.20
6296586941 10/1/2035 360 1,157.41
6298067312 1/1/2036 360 899.56
6298198190 12/1/2035 360 856.59
6298881407 12/1/2035 360 1,524.52
6303790932 12/1/2035 360 1,773.27
6307296779 10/1/2035 360 847.23
6307615879 1/1/2036 360 609.32
6310225930 12/1/2035 360 708.72
6311040247 12/1/2035 360 2,910.05
6314964609 1/1/2036 360 601.01
6315509882 1/1/2036 360 1,576.24
6315739620 12/1/2035 360 779.20
6316122115 1/1/2036 360 1,580.18
6317999503 12/1/2035 360 1,059.04
6318186720 12/1/2035 360 1,076.60
6318980080 12/1/2035 360 492.58
6319450737 12/1/2035 360 583.70
6325277439 1/1/2036 360 1,182.18
6327130842 12/1/2035 360 733.51
6327871379 12/1/2035 360 1,107.69
6328123820 1/1/2036 360 1,319.02
6329296211 1/1/2036 360 578.96
6332354783 1/1/2036 360 682.64
6337216805 12/1/2035 360 1,103.43
6340599692 12/1/2035 360 1,547.31
6340699559 1/1/2036 360 923.09
6343004260 12/1/2035 360 1,143.81
6344413379 12/1/2035 360 809.05
6345331414 1/1/2036 360 1,585.71
6348889897 12/1/2035 360 880.60
6354390459 1/1/2036 360 833.83
6355742435 12/1/2035 360 1,748.27
6355791051 1/1/2036 360 1,892.93
6357357901 1/1/2036 360 664.31
6359079339 1/1/2036 360 958.22
6361964445 12/1/2035 360 576.02
6362824382 12/1/2035 360 889.01
6362867589 12/1/2035 360 1,303.89
6363813467 12/1/2035 360 743.45
6364103249 12/1/2035 360 606.75
6365746921 12/1/2035 360 829.28
6365864591 1/1/2036 360 1,045.10
6369587602 12/1/2035 360 920.29
6370449164 1/1/2036 360 1,728.62
6372315983 12/1/2035 360 973.24
6373348033 1/1/2036 360 656.60
6375335129 1/1/2036 360 389.71
6376230782 1/1/2036 360 1,375.64
6376274319 12/1/2035 360 778.89
6377007205 12/1/2035 360 1,365.27
6378187329 1/1/2036 360 1,712.91
6379654624 1/1/2036 360 662.21
6382438890 1/1/2036 360 911.32
6382598628 12/1/2035 360 1,178.18
6382682745 1/1/2036 360 448.25
6386737289 9/1/2035 360 674.34
6387062232 12/1/2035 360 964.08
6387089524 12/1/2035 360 611.59
6387390245 12/1/2035 360 1,146.35
6389057693 1/1/2036 360 674.83
6389104198 12/1/2035 360 766.12
6389280410 12/1/2035 360 505.66
6389337947 12/1/2035 360 884.90
6389581924 1/1/2036 360 724.09
6392152572 12/1/2035 360 1,458.94
6395146712 1/1/2036 360 1,120.36
6395705814 12/1/2035 360 625.67
6397223386 12/1/2035 360 1,653.26
6398169885 1/1/2036 360 759.52
6398996246 12/1/2035 360 998.20
6401169799 12/1/2035 360 2,358.20
6403982611 12/1/2035 360 899.12
6404061761 12/1/2035 360 563.71
6404068493 12/1/2035 360 1,485.37
6406458353 12/1/2035 360 1,127.12
6408278320 12/1/2035 360 4,101.38
6408969746 12/1/2035 360 1,071.99
6411040006 1/1/2036 360 946.87
6411577379 12/1/2035 360 2,370.52
6415106886 12/1/2035 360 874.30
6415835237 12/1/2035 360 874.96
6419178360 12/1/2035 360 687.51
6419482010 12/1/2035 360 339.88
6422106085 1/1/2036 360 1,586.09
6423160073 1/1/2036 360 1,137.73
6425184329 12/1/2035 360 386.68
6427198152 12/1/2035 360 419.97
6427385064 12/1/2035 360 778.59
6427575037 10/1/2035 360 1,774.15
6429324053 12/1/2035 360 853.30
6431641593 12/1/2035 360 1,031.65
6434328263 12/1/2035 360 942.80
6435034399 12/1/2035 360 480.38
6435446817 1/1/2036 360 1,355.36
6438484187 12/1/2035 360 743.32
6438997568 12/1/2035 360 986.03
6440769914 12/1/2035 360 1,307.21
6443069718 12/1/2035 360 853.46
6443124166 1/1/2036 360 1,422.43
6443541930 1/1/2036 360 439.92
6443720062 12/1/2035 360 955.47
6444632506 12/1/2035 360 839.39
6448842846 12/1/2035 360 767.65
6449194965 12/1/2035 360 862.01
6449571469 1/1/2036 360 1,500.79
6449667036 1/1/2036 360 2,275.45
6449839965 11/1/2035 360 1,800.03
6452340513 12/1/2035 360 1,108.00
6456021358 1/1/2036 360 827.33
6459286230 12/1/2035 360 763.32
6459419039 12/1/2035 360 1,746.84
6460631796 1/1/2036 360 986.03
6463799616 1/1/2036 360 444.76
6463897774 1/1/2036 360 1,695.21
6465710355 1/1/2036 360 554.15
6468459224 12/1/2035 360 1,226.43
6469996323 1/1/2036 360 1,280.70
6470597300 12/1/2035 360 1,330.55
6482084941 12/1/2035 360 699.46
6483810260 11/1/2035 360 766.94
6484929416 1/1/2036 360 1,395.61
6485656133 1/1/2036 360 1,270.46
6486165811 1/1/2036 360 1,052.69
6487135649 1/1/2036 360 972.18
6488058030 1/1/2036 360 687.35
6488378198 1/1/2036 360 1,686.45
6489780210 12/1/2035 360 960.52
6492394140 12/1/2035 360 1,077.20
6493691361 1/1/2036 360 957.59
6497584398 1/1/2036 360 2,085.83
6500938672 1/1/2036 360 1,668.66
6501086489 1/1/2036 360 1,072.44
6501643743 1/1/2036 360 943.30
6502020800 1/1/2036 360 779.22
6503352442 12/1/2035 360 1,732.71
6503734490 12/1/2035 360 710.30
6505617123 1/1/2036 360 525.41
6506010641 1/1/2036 360 935.47
6506918165 12/1/2035 360 884.90
6506975660 12/1/2035 360 576.32
6507085311 11/1/2035 360 1,585.33
6509390792 12/1/2035 360 597.41
6509846686 1/1/2036 360 563.48
6514350369 1/1/2036 360 1,736.86
6514586806 1/1/2036 360 2,413.48
6517544323 8/1/2035 360 738.86
6517903479 12/1/2035 360 345.94
6519661455 1/1/2036 360 763.85
6521647575 12/1/2035 360 1,921.04
6524667638 1/1/2036 360 1,559.68
6527729179 1/1/2026 240 2,674.02
6533221807 12/1/2035 360 575.57
6533354160 12/1/2035 360 529.84
6534051831 1/1/2036 360 2,422.09
6539366911 1/1/2036 360 935.81
6539675030 12/1/2035 360 661.91
6542220022 1/1/2036 360 1,284.37
6544924159 1/1/2036 360 2,524.45
6545098938 12/1/2035 360 727.78
6545351147 12/1/2035 360 530.94
6546932861 12/1/2035 360 1,362.09
6549272828 12/1/2035 360 753.44
6554537560 1/1/2036 360 814.79
6555473963 12/1/2035 360 772.23
6559596033 1/1/2036 360 1,678.75
6563444642 1/1/2036 360 640.35
6564642236 1/1/2036 360 646.33
6566159551 12/1/2035 360 1,010.30
6567133217 12/1/2035 360 2,032.48
6567236077 10/1/2035 360 1,017.45
6567864076 12/1/2035 360 1,647.02
6569238741 1/1/2036 360 1,036.60
6569416578 1/1/2036 360 847.97
6569421776 12/1/2035 360 1,643.38
6571727111 12/1/2035 360 723.06
6573877575 12/1/2035 360 1,517.29
6577509877 12/1/2035 360 783.77
6578393081 1/1/2026 240 724.56
6578672518 12/1/2035 360 1,586.09
6580479027 1/1/2036 360 809.05
6580532452 1/1/2036 360 1,272.70
6580631502 12/1/2035 360 1,671.98
6581573422 1/1/2036 360 1,729.37
6581582035 12/1/2035 360 1,870.42
6583001414 1/1/2036 360 1,614.27
6583515066 12/1/2035 360 663.76
6584609108 12/1/2035 360 567.10
6585279372 12/1/2035 360 1,231.44
6586820364 1/1/2036 360 1,637.81
6591255721 1/1/2036 360 1,456.29
6591500688 1/1/2036 360 548.95
6597006144 12/1/2035 360 1,014.47
6598180310 1/1/2036 360 688.76
6598622824 12/1/2035 360 1,187.12
6603435485 12/1/2035 360 552.67
6603727253 12/1/2035 360 465.21
6606049457 1/1/2036 360 399.28
6609674400 1/1/2036 360 1,336.04
6614046206 12/1/2035 360 541.06
6616866627 12/1/2035 360 439.10
6617217564 1/1/2036 360 1,137.94
6617417016 12/1/2035 360 1,015.94
6618585159 1/1/2036 360 1,847.16
6620773447 1/1/2036 360 1,323.80
6622441381 1/1/2036 360 536.63
6625978348 1/1/2036 360 1,347.56
6626114737 12/1/2035 360 424.24
6626735887 12/1/2035 360 2,058.78
6627290288 12/1/2035 360 465.21
6632625478 1/1/2036 360 2,093.41
6635286047 1/1/2036 360 935.81
6640042682 12/1/2035 360 1,970.30
6642911579 11/1/2035 360 1,903.79
6642973108 1/1/2036 360 749.44
6644350081 1/1/2036 360 916.66
6644960657 1/1/2036 360 411.51
6645104750 1/1/2036 360 689.12
6649257570 12/1/2035 360 1,552.79
6650302174 12/1/2035 360 628.04
6650305318 1/1/2036 360 875.33
6650349621 12/1/2035 360 1,185.26
6652253300 1/1/2036 360 573.97
6652348969 1/1/2036 360 541.22
6652873891 12/1/2035 360 1,791.76
6653623469 1/1/2036 360 1,100.51
6653641859 12/1/2035 360 880.91
6655272158 12/1/2035 360 1,022.65
6655587100 12/1/2035 360 898.38
6657011349 12/1/2035 360 623.88
6659318122 1/1/2036 360 848.47
6659828757 12/1/2035 360 910.18
6660822245 12/1/2035 360 274.51
6661041233 1/1/2036 360 1,108.30
6665246614 12/1/2035 360 1,839.69
6667763780 12/1/2035 360 1,125.30
6667885096 1/1/2036 360 1,254.69
6668442509 12/1/2035 360 616.90
6671492996 12/1/2035 360 830.07
6673218464 1/1/2036 360 1,812.68
6676188698 12/1/2035 360 743.16
6677693126 12/1/2035 360 2,020.49
6677766542 12/1/2035 360 623.38
6679320967 10/1/2035 360 1,627.92
6682265381 1/1/2036 360 1,847.16
6682354888 12/1/2035 360 410.85
6684245191 1/1/2036 360 539.56
6686205151 12/1/2035 360 628.37
6687105665 12/1/2035 360 2,290.47
6690634370 1/1/2036 360 1,163.01
6699215494 1/1/2036 360 568.87
6701256874 12/1/2035 360 698.74
6701666726 1/1/2036 360 718.41
6703227873 12/1/2035 360 878.41
6709196114 1/1/2036 360 754.21
6711148111 1/1/2036 360 769.24
6711808045 12/1/2035 360 449.19
6714306690 12/1/2035 360 1,220.94
6715237902 12/1/2025 240 1,302.91
6717548926 12/1/2035 360 325.10
6717987017 12/1/2035 360 821.86
6718322818 12/1/2035 360 1,073.06
6719638527 12/1/2035 360 792.94
6721994363 1/1/2036 360 928.43
6723231251 1/1/2036 360 788.12
6723798929 12/1/2035 360 887.12
6724262909 12/1/2035 360 925.35
6728817955 12/1/2035 360 1,222.79
6728958882 1/1/2036 360 704.39
6731411184 12/1/2035 360 538.54
6732371692 12/1/2035 360 466.66
6734150581 12/1/2035 360 573.47
6734471516 1/1/2036 360 857.08
6739706957 12/1/2035 360 718.67
6740048571 12/1/2035 360 1,108.30
6740931750 1/1/2036 360 915.70
6744471530 1/1/2036 360 1,161.84
6746145785 12/1/2035 360 2,212.24
6746567046 12/1/2035 360 1,386.17
6746659462 1/1/2036 360 641.93
6746924296 12/1/2035 360 1,275.99
6749676364 1/1/2036 360 2,622.96
6750594704 1/1/2036 360 2,370.71
6751853596 1/1/2036 360 1,846.66
6755009070 12/1/2035 360 805.80
6757167181 12/1/2035 360 2,216.59
6758771759 12/1/2035 360 2,154.09
6759964031 1/1/2036 360 1,223.25
6763000038 12/1/2035 360 638.85
6772237340 10/1/2035 360 805.80
6773359929 12/1/2035 360 1,818.04
6780084718 1/1/2036 360 1,847.14
6781173650 1/1/2036 360 631.36
6782512393 1/1/2036 360 2,515.64
6783628958 1/1/2036 360 631.57
6785004091 1/1/2036 360 1,058.09
6788037213 1/1/2036 360 677.78
6789626790 1/1/2036 360 1,236.98
6793013894 12/1/2035 360 1,547.20
6794380391 1/1/2036 360 703.73
6795883583 12/1/2035 360 1,272.70
6796321104 1/1/2036 360 963.28
6798908163 1/1/2036 360 1,047.93
6804276985 1/1/2036 360 543.58
6805791206 12/1/2035 360 989.08
6807463333 12/1/2035 360 2,054.23
6808791492 1/1/2036 360 1,342.57
6810772472 12/1/2035 360 860.38
6810928363 12/1/2035 360 607.62
6811972709 1/1/2036 360 1,239.76
6812729066 1/1/2036 360 2,326.02
6815433187 1/1/2036 360 593.93
6815683310 1/1/2036 360 835.99
6817347690 1/1/2036 360 641.34
6817789438 12/1/2035 360 457.62
6821143366 12/1/2035 360 875.48
6821908636 12/1/2035 360 1,354.09
6822906845 1/1/2036 360 1,536.84
6823020018 1/1/2036 360 998.20
6823626012 12/1/2035 360 761.13
6829296638 1/1/2036 360 2,781.10
6830904378 1/1/2036 360 790.09
6833381657 12/1/2035 360 1,289.93
6836515459 1/1/2036 360 1,327.35
6839636849 12/1/2035 360 1,089.69
6840046103 12/1/2035 360 868.43
6842133354 12/1/2035 360 886.15
6843356327 12/1/2035 360 2,302.28
6846871850 12/1/2035 360 1,122.47
6854157432 12/1/2035 360 922.37
6864565152 12/1/2035 360 1,312.50
6865560913 12/1/2035 360 786.08
6865838350 12/1/2035 360 1,198.41
6868593689 1/1/2036 360 2,578.84
6869491388 12/1/2035 360 1,277.73
6870841308 12/1/2035 360 959.29
6871336415 12/1/2035 360 758.13
6871455082 1/1/2036 360 1,231.44
6877194032 12/1/2035 360 306.50
6878714473 1/1/2036 360 2,635.73
6879002167 12/1/2035 360 1,126.10
6879414842 9/1/2035 360 884.95
6880313926 1/1/2036 360 1,149.60
6882470252 11/1/2035 360 1,106.66
6884455251 1/1/2036 360 999.16
6887375191 12/1/2035 360 463.70
6892819613 1/1/2036 360 1,628.31
6893857059 12/1/2035 360 663.15
6898489791 1/1/2036 360 735.73
6900637049 12/1/2035 360 308.45
6902830543 11/1/2035 360 865.24
6903050778 12/1/2035 360 1,322.17
6903593215 1/1/2036 360 1,944.36
6904301386 1/1/2036 360 1,438.93
6904680722 12/1/2035 360 1,441.12
6907606526 12/1/2035 360 663.80
6908472779 12/1/2035 360 1,438.93
6908595629 12/1/2035 360 1,163.01
6910705620 12/1/2035 360 1,496.74
6910769998 1/1/2036 360 549.01
6911804067 1/1/2036 360 1,587.75
6915377508 1/1/2036 360 1,870.60
6916115923 12/1/2035 360 1,173.12
6921039274 1/1/2036 360 566.46
6922806473 12/1/2035 360 1,521.72
6923338237 12/1/2035 360 466.97
6924817320 1/1/2036 360 1,322.61
6929324892 12/1/2035 360 1,059.04
6929767868 1/1/2036 360 417.17
6930026585 1/1/2036 360 641.34
6934483485 1/1/2036 360 2,601.54
6935587276 1/1/2036 360 1,387.49
6935616539 1/1/2036 360 505.66
6941232917 10/1/2035 360 479.05
6941815927 1/1/2036 360 1,662.23
6942732964 12/1/2035 360 1,643.38
6944390423 12/1/2035 360 1,972.06
6944870945 12/1/2035 360 1,968.90
6947790264 12/1/2035 360 231.51
6948975419 1/1/2036 360 424.24
6950241551 1/1/2036 360 1,698.39
6952111166 11/1/2035 360 438.40
6952894480 12/1/2035 360 1,643.38
6955714891 12/1/2035 360 2,465.54
6958557362 12/1/2035 360 893.74
6959763365 1/1/2036 360 1,342.57
6967037083 12/1/2035 360 1,486.41
6971914921 12/1/2035 360 1,751.83
6972187907 1/1/2036 360 1,137.73
6972440884 12/1/2035 360 1,871.61
6974196898 12/1/2035 360 1,419.38
6978847272 12/1/2035 360 685.80
6980723255 12/1/2035 360 1,215.23
6981233320 12/1/2035 360 1,200.65
6981233791 12/1/2035 360 1,719.23
6981635904 12/1/2035 360 695.28
6981854976 1/1/2036 360 884.90
6982137561 12/1/2035 360 735.21
6982473677 12/1/2035 360 503.63
6983541712 1/1/2036 360 1,042.92
6984346590 12/1/2035 360 1,385.37
6984384120 12/1/2035 360 527.06
6984626371 12/1/2035 360 1,702.73
6985258729 1/1/2036 360 1,418.62
6987611719 1/1/2036 360 1,039.02
6991732303 12/1/2035 360 784.42
6993757290 1/1/2036 360 700.29
Loan Current Closing Remaining
Number Due Date Date Term (Months)
-------------------------------------------------------------------
3302266824 3/1/2006 12/22/2005 359
3302601111 3/1/2006 11/15/2005 358
3302601384 3/1/2006 12/16/2005 359
3302948355 3/1/2006 11/28/2005 358
3302959063 4/1/2006 12/2/2005 359
3302995109 3/1/2006 11/23/2005 358
3303022416 3/1/2006 11/21/2005 358
3303077576 3/1/2006 12/16/2005 359
3303094373 3/1/2006 11/22/2005 358
3303123131 3/1/2006 11/29/2005 358
3303139343 2/1/2006 9/21/2005 236
3303160166 3/1/2006 11/18/2005 358
3303177376 3/1/2006 12/2/2005 359
3303278976 3/1/2006 12/19/2005 359
3303279529 3/1/2006 12/6/2005 359
3303282952 3/1/2006 11/23/2005 358
3303315323 2/1/2006 11/14/2005 358
3303330074 2/1/2006 12/14/2005 359
3303333938 2/1/2006 11/30/2005 358
3303336600 3/1/2006 11/30/2005 358
3303347144 3/1/2006 12/7/2005 359
3303363224 3/1/2006 11/30/2005 358
3303364883 3/1/2006 11/28/2005 358
3303365401 2/1/2006 12/23/2005 359
3303368181 3/1/2006 11/29/2005 358
3303392298 3/1/2006 11/15/2005 358
3303393791 3/1/2006 12/9/2005 359
3303400935 3/1/2006 12/13/2005 359
3303414548 3/1/2006 11/18/2005 358
3303417954 2/1/2006 12/14/2005 359
3303419240 3/1/2006 11/28/2005 358
3303430916 2/1/2006 11/28/2005 358
3303442911 3/1/2006 12/14/2005 359
3303448405 3/1/2006 11/30/2005 358
3303449692 3/1/2006 11/22/2005 358
3303450559 2/1/2006 11/23/2005 358
3303466324 3/1/2006 11/29/2005 358
3303468577 2/1/2006 12/14/2005 359
3303474518 4/1/2006 12/6/2005 359
3303477594 3/1/2006 11/22/2005 358
3303480275 3/1/2006 11/30/2005 298
3303480739 3/1/2006 12/2/2005 359
3303480879 3/1/2006 11/28/2005 358
3303484822 3/1/2006 11/28/2005 238
3303484962 3/1/2006 11/23/2005 358
3303488773 2/1/2006 11/23/2005 358
3303489441 2/1/2006 11/23/2005 358
3303489953 3/1/2006 12/16/2005 359
3303493146 3/1/2006 12/6/2005 359
3303496248 3/1/2006 12/2/2005 359
3303501369 3/1/2006 11/21/2005 358
3303512986 2/1/2006 12/6/2005 359
3303522688 3/1/2006 12/8/2005 359
3303529345 3/1/2006 12/16/2005 359
3303529543 2/1/2006 12/12/2005 359
3303539146 3/1/2006 12/8/2005 359
3303543478 3/1/2006 11/30/2005 358
3303552586 3/1/2006 12/19/2005 359
3303563054 3/1/2006 12/13/2005 359
3303570984 2/1/2006 11/30/2005 358
3303572766 3/1/2006 12/13/2005 359
3303579118 3/1/2006 12/9/2005 359
3303581536 3/1/2006 12/16/2005 359
3303588390 3/1/2006 12/15/2005 359
3303588580 3/1/2006 12/15/2005 239
3303592269 3/1/2006 12/16/2005 359
3303597573 2/1/2006 12/19/2005 359
3303600435 2/1/2006 12/27/2005 359
3303608172 2/1/2006 12/22/2005 359
3303609691 3/1/2006 12/14/2005 359
3303615557 3/1/2006 12/21/2005 359
3303626364 3/1/2006 12/23/2005 359
3303630101 3/1/2006 12/16/2005 359
3303631018 3/1/2006 12/7/2005 359
3303653194 3/1/2006 12/20/2005 359
3303696623 2/1/2006 12/19/2005 359
6000561255 2/1/2006 11/30/2005 238
6001428199 3/1/2006 12/5/2005 358
6004787112 3/1/2006 11/30/2005 358
6005851438 3/1/2006 12/12/2005 359
6014525569 3/1/2006 12/23/2005 359
6014841735 3/1/2006 12/20/2005 359
6015060822 3/1/2006 11/18/2005 358
6015196154 3/1/2006 12/5/2005 359
6015207183 3/1/2006 11/15/2005 358
6016838663 3/1/2006 12/15/2005 359
6020340409 2/1/2006 12/1/2005 358
6024819325 3/1/2006 11/21/2005 358
6031105544 3/1/2006 12/7/2005 359
6034028107 2/1/2006 12/2/2005 359
6034382371 2/1/2006 11/21/2005 358
6038150329 3/1/2006 12/15/2005 359
6039373979 3/1/2006 12/6/2005 358
6042319027 3/1/2006 12/23/2005 359
6049387837 3/1/2006 12/2/2005 359
6050109203 3/1/2006 12/2/2005 359
6050529525 2/1/2006 11/3/2005 358
6050907234 3/1/2006 11/30/2005 358
6051566724 3/1/2006 11/17/2005 358
6054099749 3/1/2006 12/14/2005 359
6054216483 3/1/2006 11/29/2005 358
6056716621 2/1/2006 12/5/2005 359
6057622208 3/1/2006 11/29/2005 238
6058641058 3/1/2006 11/23/2005 358
6059423142 3/1/2006 11/30/2005 358
6059997350 2/1/2006 12/2/2005 359
6060257745 3/1/2006 12/16/2005 359
6070644247 3/1/2006 12/8/2005 358
6072627455 3/1/2006 11/17/2005 358
6072898155 3/1/2006 11/21/2005 358
6073416189 3/1/2006 11/29/2005 358
6073762541 3/1/2006 12/2/2005 359
6073883594 3/1/2006 11/18/2005 358
6076633046 3/1/2006 9/21/2005 356
6076925749 4/1/2006 8/9/2005 355
6077738448 2/1/2006 11/30/2005 358
6077962337 3/1/2006 12/1/2005 358
6078262406 3/1/2006 12/22/2005 359
6078527543 3/1/2006 12/22/2005 359
6080535054 3/1/2006 11/21/2005 358
6081779040 3/1/2006 11/28/2005 358
6082270304 3/1/2006 12/23/2005 359
6087014863 2/1/2006 12/2/2005 359
6091020070 3/1/2006 12/8/2005 359
6096102162 3/1/2006 12/9/2005 359
6096118457 3/1/2006 11/18/2005 358
6096131559 3/1/2006 12/19/2005 359
6097150731 3/1/2006 12/15/2005 359
6097777012 3/1/2006 11/30/2005 358
6098301903 2/1/2006 12/16/2005 359
6098669382 3/1/2006 12/12/2005 359
6099416270 3/1/2006 12/1/2005 358
6102748339 2/1/2006 11/30/2005 358
6103877590 3/1/2006 12/19/2005 359
6104138638 3/1/2006 11/30/2005 358
6104431124 3/1/2006 12/15/2005 359
6105370545 2/1/2006 11/1/2005 357
6105740432 3/1/2006 11/14/2005 358
6105994971 3/1/2006 11/30/2005 358
6110428221 3/1/2006 12/19/2005 359
6111373905 3/1/2006 11/22/2005 358
6112159493 2/1/2006 12/22/2005 359
6113014614 3/1/2006 12/7/2005 359
6118371761 3/1/2006 12/19/2005 299
6121723594 3/1/2006 11/30/2005 358
6122074617 3/1/2006 12/28/2005 359
6122100271 3/1/2006 11/15/2005 358
6123882802 3/1/2006 12/23/2005 359
6128487367 4/1/2006 12/12/2005 359
6130079640 2/1/2006 11/30/2005 358
6131236827 3/1/2006 11/22/2005 358
6132857829 3/1/2006 12/16/2005 359
6132959864 3/1/2006 12/14/2005 359
6135750120 3/1/2006 12/15/2005 359
6137520679 5/1/2006 11/23/2005 358
6138428062 3/1/2006 11/23/2005 238
6139633363 3/1/2006 11/28/2005 358
6141620002 3/1/2006 11/30/2005 358
6142390761 3/1/2006 11/23/2005 358
6142976262 3/1/2006 11/14/2005 358
6144235428 2/1/2006 12/21/2005 359
6146018194 3/1/2006 11/22/2005 358
6151728992 3/1/2006 11/28/2005 358
6151739809 2/1/2006 12/5/2005 359
6152351646 3/1/2006 12/23/2005 359
6153520934 2/1/2006 12/23/2005 359
6157645745 3/1/2006 11/28/2005 358
6157652345 3/1/2006 11/29/2005 358
6157671162 3/1/2006 11/30/2005 358
6158049541 3/1/2006 12/15/2005 359
6158306131 2/1/2006 11/15/2005 358
6158687027 3/1/2006 11/30/2005 358
6159670980 3/1/2006 12/16/2005 359
6162028549 3/1/2006 12/19/2005 359
6164645936 3/1/2006 11/21/2005 358
6165429371 3/1/2006 12/1/2005 358
6165520120 3/1/2006 12/27/2005 359
6172427814 3/1/2006 11/28/2005 358
6176585401 3/1/2006 11/30/2005 358
6177025993 3/1/2006 12/2/2005 359
6179163974 3/1/2006 11/29/2005 358
6179706376 3/1/2006 11/21/2005 358
6180044916 3/1/2006 12/27/2005 359
6186354772 3/1/2006 12/19/2005 359
6186446776 3/1/2006 12/19/2005 359
6188677642 3/1/2006 11/16/2005 358
6188904228 3/1/2006 10/17/2005 357
6189126326 2/1/2006 11/29/2005 358
6192540281 3/1/2006 12/20/2005 359
6193672893 3/1/2006 8/31/2005 355
6201391700 3/1/2006 12/21/2005 359
6204064817 3/1/2006 11/29/2005 358
6206525989 3/1/2006 11/29/2005 358
6209287637 3/1/2006 12/2/2005 359
6209297511 2/1/2006 11/21/2005 358
6213406769 3/1/2006 11/30/2005 358
6218233184 2/1/2006 12/7/2005 359
6223921427 2/1/2006 12/16/2005 359
6224140274 3/1/2006 11/29/2005 358
6224228319 3/1/2006 11/29/2005 358
6229329690 3/1/2006 12/8/2005 359
6231535748 3/1/2006 11/18/2005 358
6234167168 3/1/2006 11/8/2005 358
6235528392 3/1/2006 12/16/2005 359
6238236407 3/1/2006 11/16/2005 358
6239096842 3/1/2006 12/21/2005 359
6240685070 3/1/2006 11/21/2005 358
6240964335 3/1/2006 12/7/2005 359
6243187470 2/1/2006 12/21/2005 359
6244362783 2/1/2006 12/2/2005 359
6245049124 2/1/2006 11/28/2005 358
6245431264 2/1/2006 12/13/2005 359
6249846095 3/1/2006 11/17/2005 358
6249898344 2/1/2006 11/29/2005 358
6252493926 3/1/2006 11/21/2005 358
6256235620 3/1/2006 11/28/2005 358
6257731767 3/1/2006 12/21/2005 359
6257847795 2/1/2006 11/28/2005 358
6258206215 2/1/2006 11/29/2005 358
6263374818 3/1/2006 11/22/2005 358
6264746220 3/1/2006 12/9/2005 359
6267405428 3/1/2006 12/21/2005 239
6269228398 3/1/2006 10/6/2005 357
6274070199 3/1/2006 12/20/2005 359
6274982989 3/1/2006 12/1/2005 358
6287341710 3/1/2006 12/9/2005 359
6290595583 3/1/2006 12/7/2005 359
6293742661 2/1/2006 11/10/2005 358
6296586941 2/1/2006 9/30/2005 356
6298067312 3/1/2006 12/19/2005 359
6298198190 3/1/2006 11/30/2005 358
6298881407 3/1/2006 11/23/2005 358
6303790932 2/1/2006 11/23/2005 358
6307296779 2/1/2006 9/16/2005 356
6307615879 3/1/2006 12/15/2005 359
6310225930 3/1/2006 11/10/2005 358
6311040247 2/1/2006 11/28/2005 358
6314964609 3/1/2006 12/16/2005 359
6315509882 3/1/2006 12/2/2005 359
6315739620 3/1/2006 11/30/2005 358
6316122115 2/1/2006 12/2/2005 359
6317999503 2/1/2006 11/14/2005 358
6318186720 4/1/2006 11/16/2005 358
6318980080 3/1/2006 11/28/2005 358
6319450737 3/1/2006 11/28/2005 358
6325277439 3/1/2006 12/13/2005 359
6327130842 3/1/2006 11/22/2005 358
6327871379 3/1/2006 11/21/2005 358
6328123820 3/1/2006 12/15/2005 359
6329296211 3/1/2006 12/16/2005 359
6332354783 2/1/2006 12/22/2005 359
6337216805 3/1/2006 11/30/2005 358
6340599692 3/1/2006 11/17/2005 358
6340699559 3/1/2006 12/9/2005 359
6343004260 3/1/2006 11/30/2005 358
6344413379 3/1/2006 11/28/2005 358
6345331414 2/1/2006 12/21/2005 359
6348889897 3/1/2006 11/18/2005 358
6354390459 3/1/2006 12/23/2005 359
6355742435 2/1/2006 11/29/2005 358
6355791051 3/1/2006 12/7/2005 359
6357357901 3/1/2006 12/8/2005 359
6359079339 3/1/2006 12/22/2005 359
6361964445 3/1/2006 12/1/2005 358
6362824382 3/1/2006 12/1/2005 358
6362867589 2/1/2006 12/2/2005 358
6363813467 3/1/2006 11/25/2005 358
6364103249 3/1/2006 11/23/2005 358
6365746921 3/1/2006 11/30/2005 358
6365864591 2/1/2006 12/16/2005 359
6369587602 3/1/2006 11/29/2005 358
6370449164 3/1/2006 12/22/2005 359
6372315983 3/1/2006 11/21/2005 358
6373348033 3/1/2006 12/9/2005 359
6375335129 3/1/2006 12/9/2005 359
6376230782 3/1/2006 12/22/2005 359
6376274319 3/1/2006 11/15/2005 358
6377007205 3/1/2006 11/30/2005 358
6378187329 3/1/2006 12/6/2005 359
6379654624 3/1/2006 12/15/2005 359
6382438890 3/1/2006 12/8/2005 359
6382598628 3/1/2006 11/30/2005 358
6382682745 3/1/2006 12/13/2005 359
6386737289 3/1/2006 8/30/2005 355
6387062232 3/1/2006 11/28/2005 358
6387089524 2/1/2006 11/22/2005 358
6387390245 3/1/2006 11/30/2005 358
6389057693 3/1/2006 12/7/2005 359
6389104198 3/1/2006 11/29/2005 358
6389280410 3/1/2006 11/22/2005 358
6389337947 2/1/2006 11/17/2005 358
6389581924 2/1/2006 12/20/2005 359
6392152572 3/1/2006 11/22/2005 358
6395146712 2/1/2006 12/27/2005 359
6395705814 2/1/2006 11/18/2005 358
6397223386 3/1/2006 11/21/2005 358
6398169885 3/1/2006 12/22/2005 359
6398996246 3/1/2006 11/28/2005 358
6401169799 3/1/2006 11/29/2005 358
6403982611 3/1/2006 11/30/2005 358
6404061761 3/1/2006 11/22/2005 358
6404068493 3/1/2006 11/25/2005 358
6406458353 2/1/2006 11/29/2005 358
6408278320 3/1/2006 12/5/2005 358
6408969746 3/1/2006 11/18/2005 358
6411040006 3/1/2006 12/7/2005 359
6411577379 3/1/2006 11/18/2005 358
6415106886 3/1/2006 11/18/2005 358
6415835237 2/1/2006 11/30/2005 358
6419178360 3/1/2006 11/29/2005 358
6419482010 3/1/2006 11/28/2005 358
6422106085 3/1/2006 12/2/2005 359
6423160073 3/1/2006 12/9/2005 359
6425184329 2/1/2006 11/30/2005 358
6427198152 2/1/2006 11/21/2005 358
6427385064 3/1/2006 11/30/2005 358
6427575037 3/1/2006 9/30/2005 356
6429324053 2/1/2006 11/30/2005 358
6431641593 2/1/2006 11/30/2005 358
6434328263 3/1/2006 11/29/2005 358
6435034399 3/1/2006 11/28/2005 358
6435446817 2/1/2006 12/12/2005 359
6438484187 2/1/2006 11/23/2005 358
6438997568 3/1/2006 12/8/2005 358
6440769914 2/1/2006 11/18/2005 358
6443069718 3/1/2006 11/8/2005 358
6443124166 2/1/2006 12/9/2005 359
6443541930 2/1/2006 12/21/2005 359
6443720062 3/1/2006 12/1/2005 358
6444632506 3/1/2006 11/28/2005 358
6448842846 3/1/2006 11/22/2005 358
6449194965 2/1/2006 11/22/2005 358
6449571469 2/1/2006 12/13/2005 359
6449667036 3/1/2006 12/16/2005 359
6449839965 2/1/2006 11/1/2005 357
6452340513 2/1/2006 11/30/2005 358
6456021358 3/1/2006 12/9/2005 359
6459286230 2/1/2006 11/10/2005 358
6459419039 3/1/2006 11/23/2005 358
6460631796 3/1/2006 12/16/2005 359
6463799616 3/1/2006 12/6/2005 359
6463897774 3/1/2006 12/19/2005 359
6465710355 2/1/2006 12/5/2005 359
6468459224 3/1/2006 11/3/2005 358
6469996323 3/1/2006 12/14/2005 359
6470597300 2/1/2006 11/30/2005 358
6482084941 3/1/2006 11/16/2005 358
6483810260 2/1/2006 10/3/2005 357
6484929416 3/1/2006 12/20/2005 359
6485656133 3/1/2006 12/27/2005 359
6486165811 3/1/2006 12/15/2005 359
6487135649 3/1/2006 12/15/2005 359
6488058030 2/1/2006 12/2/2005 359
6488378198 3/1/2006 12/15/2005 359
6489780210 3/1/2006 11/17/2005 358
6492394140 3/1/2006 11/30/2005 358
6493691361 3/1/2006 12/9/2005 359
6497584398 3/1/2006 12/15/2005 359
6500938672 3/1/2006 12/16/2005 359
6501086489 3/1/2006 12/12/2005 359
6501643743 2/1/2006 12/2/2005 359
6502020800 3/1/2006 12/14/2005 359
6503352442 2/1/2006 12/5/2005 358
6503734490 3/1/2006 11/30/2005 358
6505617123 3/1/2006 12/8/2005 359
6506010641 3/1/2006 12/19/2005 359
6506918165 3/1/2006 12/1/2005 358
6506975660 3/1/2006 11/16/2005 358
6507085311 3/1/2006 10/14/2005 357
6509390792 3/1/2006 11/23/2005 358
6509846686 2/1/2006 12/8/2005 359
6514350369 3/1/2006 12/2/2005 359
6514586806 3/1/2006 12/2/2005 359
6517544323 3/1/2006 7/28/2005 354
6517903479 3/1/2006 11/10/2005 358
6519661455 3/1/2006 12/7/2005 359
6521647575 3/1/2006 12/1/2005 358
6524667638 3/1/2006 12/23/2005 359
6527729179 3/1/2006 12/16/2005 239
6533221807 3/1/2006 11/17/2005 358
6533354160 3/1/2006 11/23/2005 358
6534051831 3/1/2006 12/13/2005 359
6539366911 3/1/2006 12/6/2005 359
6539675030 3/1/2006 11/30/2005 358
6542220022 3/1/2006 12/15/2005 359
6544924159 3/1/2006 12/14/2005 359
6545098938 3/1/2006 11/30/2005 358
6545351147 3/1/2006 11/16/2005 358
6546932861 3/1/2006 11/28/2005 358
6549272828 3/1/2006 11/23/2005 358
6554537560 3/1/2006 12/20/2005 359
6555473963 3/1/2006 12/5/2005 358
6559596033 3/1/2006 12/16/2005 359
6563444642 3/1/2006 12/19/2005 359
6564642236 3/1/2006 12/23/2005 359
6566159551 3/1/2006 12/2/2005 358
6567133217 1/1/2006 11/18/2005 358
6567236077 3/1/2006 9/30/2005 356
6567864076 2/1/2006 11/30/2005 358
6569238741 3/1/2006 12/19/2005 359
6569416578 3/1/2006 12/27/2005 359
6569421776 2/1/2006 12/6/2005 358
6571727111 3/1/2006 11/30/2005 358
6573877575 3/1/2006 12/5/2005 358
6577509877 3/1/2006 11/23/2005 358
6578393081 3/1/2006 12/15/2005 239
6578672518 3/1/2006 11/18/2005 358
6580479027 3/1/2006 12/22/2005 359
6580532452 3/1/2006 12/21/2005 359
6580631502 2/1/2006 11/10/2005 358
6581573422 3/1/2006 12/20/2005 359
6581582035 3/1/2006 11/23/2005 358
6583001414 3/1/2006 12/19/2005 359
6583515066 3/1/2006 11/29/2005 358
6584609108 3/1/2006 11/15/2005 358
6585279372 3/1/2006 11/17/2005 358
6586820364 2/1/2006 12/2/2005 359
6591255721 3/1/2006 12/9/2005 359
6591500688 3/1/2006 12/15/2005 359
6597006144 3/1/2006 11/28/2005 358
6598180310 3/1/2006 12/9/2005 359
6598622824 2/1/2006 11/30/2005 358
6603435485 3/1/2006 11/10/2005 358
6603727253 2/1/2006 11/29/2005 358
6606049457 3/1/2006 12/12/2005 359
6609674400 3/1/2006 12/16/2005 359
6614046206 3/1/2006 11/29/2005 358
6616866627 3/1/2006 11/21/2005 358
6617217564 3/1/2006 12/15/2005 359
6617417016 3/1/2006 12/2/2005 358
6618585159 3/1/2006 12/21/2005 359
6620773447 3/1/2006 12/12/2005 359
6622441381 3/1/2006 12/20/2005 359
6625978348 3/1/2006 12/15/2005 359
6626114737 3/1/2006 11/22/2005 358
6626735887 3/1/2006 11/22/2005 358
6627290288 2/1/2006 11/16/2005 358
6632625478 2/1/2006 12/15/2005 359
6635286047 3/1/2006 12/15/2005 359
6640042682 3/1/2006 11/29/2005 358
6642911579 2/1/2006 11/1/2005 357
6642973108 3/1/2006 12/5/2005 359
6644350081 3/1/2006 12/8/2005 359
6644960657 3/1/2006 12/20/2005 359
6645104750 3/1/2006 12/20/2005 359
6649257570 3/1/2006 11/15/2005 358
6650302174 3/1/2006 12/1/2005 358
6650305318 2/1/2006 12/14/2005 359
6650349621 3/1/2006 11/30/2005 358
6652253300 3/1/2006 12/23/2005 359
6652348969 3/1/2006 12/9/2005 359
6652873891 2/1/2006 11/29/2005 358
6653623469 3/1/2006 12/14/2005 359
6653641859 3/1/2006 11/23/2005 358
6655272158 3/1/2006 11/10/2005 358
6655587100 3/1/2006 11/15/2005 358
6657011349 3/1/2006 11/28/2005 358
6659318122 3/1/2006 12/2/2005 359
6659828757 3/1/2006 12/1/2005 358
6660822245 3/1/2006 11/18/2005 358
6661041233 3/1/2006 12/14/2005 359
6665246614 3/1/2006 11/29/2005 358
6667763780 3/1/2006 11/29/2005 358
6667885096 3/1/2006 12/5/2005 359
6668442509 3/1/2006 11/29/2005 358
6671492996 3/1/2006 11/29/2005 358
6673218464 3/1/2006 12/12/2005 359
6676188698 3/1/2006 11/15/2005 358
6677693126 3/1/2006 11/22/2005 358
6677766542 3/1/2006 11/29/2005 358
6679320967 3/1/2006 9/22/2005 356
6682265381 3/1/2006 12/21/2005 359
6682354888 2/1/2006 11/18/2005 358
6684245191 2/1/2006 12/2/2005 359
6686205151 2/1/2006 11/30/2005 358
6687105665 3/1/2006 11/30/2005 358
6690634370 3/1/2006 12/16/2005 359
6699215494 3/1/2006 12/20/2005 359
6701256874 3/1/2006 11/28/2005 358
6701666726 3/1/2006 12/15/2005 359
6703227873 3/1/2006 11/22/2005 358
6709196114 2/1/2006 12/9/2005 359
6711148111 3/1/2006 12/20/2005 359
6711808045 3/1/2006 11/23/2005 358
6714306690 3/1/2006 12/1/2005 358
6715237902 3/1/2006 11/23/2005 238
6717548926 3/1/2006 11/22/2005 358
6717987017 3/1/2006 11/28/2005 358
6718322818 3/1/2006 11/28/2005 358
6719638527 3/1/2006 11/30/2005 358
6721994363 3/1/2006 12/5/2005 359
6723231251 3/1/2006 12/16/2005 359
6723798929 2/1/2006 11/30/2005 358
6724262909 3/1/2006 11/30/2005 358
6728817955 2/1/2006 11/15/2005 358
6728958882 3/1/2006 12/21/2005 359
6731411184 3/1/2006 11/17/2005 358
6732371692 3/1/2006 11/16/2005 358
6734150581 3/1/2006 11/15/2005 358
6734471516 3/1/2006 12/14/2005 359
6739706957 3/1/2006 11/30/2005 358
6740048571 3/1/2006 11/23/2005 358
6740931750 3/1/2006 12/20/2005 359
6744471530 3/1/2006 12/2/2005 359
6746145785 3/1/2006 11/30/2005 358
6746567046 3/1/2006 11/14/2005 358
6746659462 3/1/2006 12/21/2005 359
6746924296 3/1/2006 12/5/2005 358
6749676364 3/1/2006 12/8/2005 359
6750594704 3/1/2006 12/19/2005 359
6751853596 3/1/2006 12/9/2005 359
6755009070 2/1/2006 11/28/2005 358
6757167181 3/1/2006 11/17/2005 358
6758771759 3/1/2006 11/28/2005 358
6759964031 2/1/2006 12/21/2005 359
6763000038 3/1/2006 11/4/2005 358
6772237340 3/1/2006 9/28/2005 356
6773359929 3/1/2006 11/29/2005 358
6780084718 3/1/2006 12/6/2005 359
6781173650 3/1/2006 12/22/2005 359
6782512393 3/1/2006 12/23/2005 359
6783628958 3/1/2006 12/19/2005 359
6785004091 3/1/2006 12/15/2005 359
6788037213 3/1/2006 12/16/2005 359
6789626790 3/1/2006 12/9/2005 359
6793013894 2/1/2006 11/14/2005 358
6794380391 3/1/2006 12/9/2005 359
6795883583 3/1/2006 11/18/2005 358
6796321104 3/1/2006 12/20/2005 359
6798908163 4/1/2006 12/22/2005 359
6804276985 3/1/2006 12/7/2005 359
6805791206 3/1/2006 11/10/2005 358
6807463333 3/1/2006 11/23/2005 358
6808791492 2/1/2006 12/16/2005 359
6810772472 3/1/2006 11/28/2005 358
6810928363 3/1/2006 11/23/2005 358
6811972709 3/1/2006 12/8/2005 359
6812729066 2/1/2006 12/9/2005 359
6815433187 3/1/2006 12/8/2005 359
6815683310 3/1/2006 12/14/2005 359
6817347690 3/1/2006 12/12/2005 359
6817789438 3/1/2006 11/22/2005 358
6821143366 4/1/2006 11/23/2005 358
6821908636 3/1/2006 11/18/2005 358
6822906845 3/1/2006 12/12/2005 359
6823020018 3/1/2006 12/2/2005 359
6823626012 3/1/2006 11/30/2005 358
6829296638 3/1/2006 12/14/2005 359
6830904378 3/1/2006 12/21/2005 359
6833381657 3/1/2006 11/15/2005 358
6836515459 3/1/2006 12/9/2005 359
6839636849 3/1/2006 12/1/2005 358
6840046103 3/1/2006 11/30/2005 358
6842133354 2/1/2006 11/30/2005 358
6843356327 3/1/2006 11/28/2005 358
6846871850 2/1/2006 11/15/2005 358
6854157432 3/1/2006 11/30/2005 358
6864565152 3/1/2006 11/28/2005 358
6865560913 3/1/2006 12/1/2005 358
6865838350 3/1/2006 11/29/2005 358
6868593689 3/1/2006 12/16/2005 359
6869491388 3/1/2006 11/14/2005 358
6870841308 2/1/2006 11/21/2005 358
6871336415 3/1/2006 11/21/2005 358
6871455082 3/1/2006 12/15/2005 359
6877194032 3/1/2006 11/30/2005 358
6878714473 3/1/2006 12/19/2005 359
6879002167 3/1/2006 11/18/2005 358
6879414842 3/1/2006 8/31/2005 355
6880313926 3/1/2006 12/14/2005 359
6882470252 3/1/2006 10/18/2005 357
6884455251 3/1/2006 12/16/2005 359
6887375191 3/1/2006 11/17/2005 358
6892819613 3/1/2006 12/7/2005 359
6893857059 3/1/2006 11/23/2005 358
6898489791 3/1/2006 12/16/2005 359
6900637049 3/1/2006 11/10/2005 358
6902830543 3/1/2006 10/31/2005 357
6903050778 3/1/2006 11/21/2005 358
6903593215 3/1/2006 12/6/2005 359
6904301386 3/1/2006 12/16/2005 359
6904680722 3/1/2006 12/5/2005 358
6907606526 3/1/2006 11/28/2005 358
6908472779 3/1/2006 11/28/2005 358
6908595629 3/1/2006 11/30/2005 358
6910705620 3/1/2006 11/30/2005 358
6910769998 3/1/2006 12/6/2005 359
6911804067 3/1/2006 12/22/2005 359
6915377508 2/1/2006 12/19/2005 359
6916115923 3/1/2006 11/28/2005 358
6921039274 3/1/2006 12/16/2005 359
6922806473 3/1/2006 11/28/2005 358
6923338237 2/1/2006 11/29/2005 358
6924817320 3/1/2006 12/9/2005 359
6929324892 3/1/2006 11/29/2005 358
6929767868 3/1/2006 12/6/2005 359
6930026585 3/1/2006 12/8/2005 359
6934483485 3/1/2006 12/13/2005 359
6935587276 3/1/2006 12/16/2005 359
6935616539 3/1/2006 12/13/2005 359
6941232917 3/1/2006 9/15/2005 356
6941815927 3/1/2006 12/20/2005 359
6942732964 3/1/2006 11/28/2005 358
6944390423 3/1/2006 11/23/2005 358
6944870945 3/1/2006 11/29/2005 358
6947790264 3/1/2006 11/30/2005 358
6948975419 2/1/2006 12/9/2005 359
6950241551 3/1/2006 12/9/2005 359
6952111166 3/1/2006 10/12/2005 357
6952894480 2/1/2006 11/28/2005 358
6955714891 3/1/2006 12/6/2005 358
6958557362 3/1/2006 11/30/2005 358
6959763365 3/1/2006 12/15/2005 359
6967037083 3/1/2006 11/25/2005 358
6971914921 2/1/2006 11/30/2005 358
6972187907 2/1/2006 12/9/2005 359
6972440884 3/1/2006 11/29/2005 358
6974196898 3/1/2006 11/30/2005 358
6978847272 3/1/2006 11/30/2005 358
6980723255 3/1/2006 11/16/2005 358
6981233320 3/1/2006 11/28/2005 358
6981233791 2/1/2006 12/5/2005 358
6981635904 3/1/2006 11/29/2005 358
6981854976 3/1/2006 12/16/2005 359
6982137561 3/1/2006 12/1/2005 358
6982473677 3/1/2006 12/1/2005 358
6983541712 2/1/2006 12/23/2005 359
6984346590 3/1/2006 12/1/2005 358
6984384120 3/1/2006 11/28/2005 358
6984626371 3/1/2006 11/10/2005 358
6985258729 3/1/2006 12/16/2005 359
6987611719 3/1/2006 12/2/2005 359
6991732303 2/1/2006 11/7/2005 358
6993757290 2/1/2006 12/6/2005 359
Loan Scheduled Appraisal
Number Principal Balance ($) FICO Value ($)
--------------------------------------------------------------------------------
3302266824 234,000.00 722 265,000.00
3302601111 183,833.66 715 230,000.00
3302601384 63,608.00 766 80,500.00
3302948355 79,927.67 796 100,000.00
3302959063 109,250.00 796 117,000.00
3302995109 254,457.43 740 310,000.00
3303022416 140,548.83 686 176,000.00
3303077576 221,700.00 785 340,000.00
3303094373 231,790.27 705 328,000.00
3303123131 230,419.49 724 296,000.00
3303139343 104,751.29 633 115,000.00
3303160166 102,227.49 692 128,000.00
3303177376 169,000.00 801 246,000.00
3303278976 189,600.00 780 240,000.00
3303279529 111,920.00 750 144,000.00
3303282952 103,905.97 751 136,000.00
3303315323 179,798.30 653 230,000.00
3303330074 234,800.00 703 300,000.00
3303333938 116,292.19 683 145,500.00
3303336600 50,232.29 836 64,000.00
3303347144 171,650.00 668 383,000.00
3303363224 92,287.39 801 118,000.00
3303364883 152,854.83 731 176,000.00
3303365401 272,883.00 743 430,000.00
3303368181 283,723.96 821 355,000.00
3303392298 83,920.29 800 110,000.00
3303393791 76,000.00 721 101,000.00
3303400935 134,830.00 751 196,000.00
3303414548 82,717.57 701 105,000.00
3303417954 380,000.00 692 480,000.00
3303419240 187,160.98 797 235,000.00
3303430916 65,539.24 680 89,000.00
3303442911 113,920.00 664 142,500.00
3303448405 84,631.01 760 106,000.00
3303449692 69,452.42 767 90,000.00
3303450559 159,855.36 755 212,000.00
3303466324 105,494.87 803 144,888.00
3303468577 314,829.00 816 625,000.00
3303474518 61,040.00 710 79,000.00
3303477594 237,269.16 759 258,000.00
3303480275 249,907.49 750 795,000.00
3303480739 114,000.00 730 143,000.00
3303480879 107,807.32 798 135,000.00
3303484822 76,731.08 670 91,000.00
3303484962 175,753.08 795 220,000.00
3303488773 153,312.33 717 194,000.00
3303489441 95,704.27 691 120,000.00
3303489953 86,397.00 722 108,000.00
3303493146 133,444.00 758 232,000.00
3303496248 116,000.00 706 150,000.00
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6732371692 74,730.72 805 95,000.00
6734150581 91,834.86 718 116,000.00
6734471516 139,200.00 724 174,000.00
6739706957 116,609.25 708 147,000.00
6740048571 179,829.20 758 238,000.00
6740931750 148,720.00 767 192,000.00
6744471530 188,696.00 670 237,000.00
6746145785 349,683.59 702 540,000.00
6746567046 230,969.83 804 290,700.00
6746659462 101,560.00 739 127,000.00
6746924296 209,795.89 669 264,000.00
6749676364 426,000.00 724 745,000.00
6750594704 380,000.00 779 805,000.00
6751853596 296,000.00 764 370,000.00
6755009070 134,266.20 727 170,000.00
6757167181 359,658.41 771 450,000.00
6758771759 340,491.91 738 426,000.00
6759964031 201,320.00 745 252,000.00
6763000038 102,305.15 734 130,000.00
6772237340 133,996.59 768 168,000.00
6773359929 291,142.09 667 370,000.00
6780084718 304,000.00 767 380,000.00
6781173650 101,200.00 762 128,000.00
6782512393 398,000.00 718 660,000.00
6783628958 99,920.00 774 128,000.00
6785004091 169,600.00 787 212,000.00
6788037213 108,640.00 776 136,000.00
6789626790 200,900.00 709 244,000.00
6793013894 247,770.30 753 315,000.00
6794380391 112,800.00 727 145,000.00
6795883583 203,811.05 703 255,000.00
6796321104 152,400.00 669 191,000.00
6798908163 170,196.00 746 214,000.00
6804276985 86,000.00 790 120,000.00
6805791206 156,341.54 676 250,000.00
6807463333 324,706.19 763 438,000.00
6808791492 215,200.00 699 269,000.00
6810772472 141,462.37 727 179,000.00
6810928363 99,902.80 706 128,000.00
6811972709 198,720.00 725 249,000.00
6812729066 368,000.00 725 460,000.00
6815433187 95,200.00 692 120,000.00
6815683310 134,000.00 699 170,000.00
6817347690 102,800.00 732 128,700.00
6817789438 72,334.55 692 130,000.00
6821143366 147,849.10 735 185,000.00
6821908636 219,711.33 736 275,000.00
6822906845 249,600.00 692 312,000.00
6823020018 160,000.00 738 205,000.00
6823626012 121,887.00 760 153,000.00
6829296638 440,000.00 759 550,000.00
6830904378 125,000.00 778 207,000.00
6833381657 209,301.22 732 232,500.00
6836515459 210,000.00 709 1,020,000.00
6839636849 172,243.18 699 229,000.00
6840046103 139,071.07 737 430,000.00
6842133354 143,783.43 798 181,000.00
6843356327 383,617.72 736 520,000.00
6846871850 179,753.36 808 230,000.00
6854157432 149,660.85 675 187,300.00
6864565152 227,756.25 768 305,000.00
6865560913 125,883.30 680 158,000.00
6865838350 189,428.59 785 242,000.00
6868593689 408,000.00 751 510,000.00
6869491388 215,779.77 721 285,000.00
6870841308 159,840.71 723 206,000.00
6871336415 119,835.57 745 155,000.00
6871455082 200,000.00 761 261,500.00
6877194032 51,069.10 732 65,000.00
6878714473 417,000.00 714 800,000.00
6879002167 182,718.46 781 229,000.00
6879414842 148,985.38 761 197,000.00
6880313926 189,200.00 717 243,000.00
6882470252 186,698.58 789 235,000.00
6884455251 160,155.00 644 190,000.00
6887375191 77,264.01 758 100,000.00
6892819613 261,000.00 713 330,000.00
6893857059 106,197.55 758 136,000.00
6898489791 116,400.00 675 153,000.00
6900637049 48,755.88 725 61,000.00
6902830543 142,122.48 768 178,000.00
6903050778 217,388.50 756 272,000.00
6903593215 320,000.00 699 400,000.00
6904301386 240,000.00 742 300,000.00
6904680722 227,743.88 681 286,000.00
6907606526 106,301.45 756 133,000.00
6908472779 239,760.00 689 300,000.00
6908595629 183,833.66 777 230,000.00
6910705620 236,585.93 717 310,000.00
6910769998 88,000.00 673 111,500.00
6911804067 268,410.00 704 340,500.00
6915377508 311,833.92 670 392,000.00
6916115923 185,432.21 706 235,000.00
6921039274 92,000.00 717 117,000.00
6922806473 240,534.35 764 410,000.00
6923338237 74,780.67 799 96,000.00
6924817320 212,000.00 752 270,000.00
6929324892 171,836.79 685 220,000.00
6929767868 66,000.00 690 240,000.00
6930026585 102,800.00 746 130,000.00
6934483485 417,000.00 723 812,000.00
6935587276 222,400.00 709 278,000.00
6935616539 80,000.00 681 108,000.00
6941232917 79,660.14 704 100,000.00
6941815927 266,437.00 792 334,000.00
6942732964 259,764.95 664 325,000.00
6944390423 311,717.94 708 391,000.00
6944870945 311,218.39 0 475,000.00
6947790264 37,564.32 683 58,000.00
6948975419 68,000.00 689 85,000.00
6950241551 268,703.00 742 350,000.00
6952111166 71,064.51 729 98,000.00
6952894480 259,764.95 757 325,000.00
6955714891 394,833.96 712 530,000.00
6958557362 143,123.31 781 191,000.00
6959763365 215,200.00 753 273,000.00
6967037083 247,673.19 756 315,000.00
6971914921 280,539.92 706 367,000.00
6972187907 180,000.00 665 260,000.00
6972440884 299,722.14 724 375,000.00
6974196898 233,372.95 688 292,000.00
6978847272 108,401.91 753 155,000.00
6980723255 199,805.60 720 251,000.00
6981233320 194,714.97 702 279,000.00
6981233791 271,754.10 724 390,000.00
6981635904 109,900.55 727 110,000.00
6981854976 140,000.00 745 176,000.00
6982137561 120,632.39 775 178,000.00
6982473677 83,916.37 742 105,000.00
6983541712 165,000.00 713 245,100.00
6984346590 224,786.51 692 375,000.00
6984384120 85,196.96 750 107,000.00
6984626371 283,717.27 705 360,000.00
6985258729 230,400.00 747 290,000.00
6987611719 171,000.00 769 515,000.00
6991732303 129,618.30 727 168,200.00
6993757290 120,000.00 726 180,000.00
Loan Count: 634
Scheduled PB
as January 1, 2005: 112,124,438.20
Unpaid PB W/A: 176,852.43
W/A Interest Rate: 6.244
W/A Remaining Term: 357
Loan Sales
Number Price ($)
------------------------------------
3302266824 255,425.00
3302601111 233,641.00
3302601384 79,510.00
3302948355 100,000.00
3302959063 115,000.00
3302995109 310,000.00
3303022416 175,845.00
3303077576 331,700.00
3303094373 290,000.00
3303123131 293,305.00
3303139343 115,000.00
3303160166 127,900.00
3303177376 244,000.00
3303278976 237,000.00
3303279529 139,900.00
3303282952 130,000.00
3303315323 235,000.00
3303330074 293,500.00
3303333938 145,500.00
3303336600 62,850.00
3303347144 0.00
3303363224 115,500.00
3303364883 165,000.00
3303365401 0.00
3303368181 355,000.00
3303392298 105,000.00
3303393791 95,000.00
3303400935 0.00
3303414548 103,500.00
3303417954 480,000.00
3303419240 234,190.00
3303430916 82,000.00
3303442911 142,400.00
3303448405 105,900.00
3303449692 86,900.00
3303450559 200,000.00
3303466324 132,000.00
3303468577 0.00
3303474518 76,300.00
3303477594 250,000.00
3303480275 0.00
3303480739 142,500.00
3303480879 134,900.00
3303484822 91,000.00
3303484962 219,900.00
3303488773 191,836.00
3303489441 119,741.00
3303489953 107,997.00
3303493146 0.00
3303496248 145,000.00
3303501369 190,000.00
3303512986 0.00
3303522688 78,232.00
3303529345 72,000.00
3303529543 0.00
3303539146 161,000.00
3303543478 0.00
3303552586 0.00
3303563054 0.00
3303570984 150,000.00
3303572766 0.00
3303579118 126,000.00
3303581536 85,000.00
3303588390 65,000.00
3303588580 0.00
3303592269 162,000.00
3303597573 0.00
3303600435 0.00
3303608172 165,443.00
3303609691 255,000.00
3303615557 269,900.00
3303626364 0.00
3303630101 163,000.00
3303631018 0.00
3303653194 466,000.00
3303696623 300,000.00
6000561255 0.00
6001428199 0.00
6004787112 89,900.00
6005851438 38,000.00
6014525569 0.00
6014841735 109,999.00
6015060822 284,900.00
6015196154 265,000.00
6015207183 547,042.00
6016838663 166,000.00
6020340409 0.00
6024819325 226,000.00
6031105544 128,350.00
6034028107 56,000.00
6034382371 0.00
6038150329 90,000.00
6039373979 0.00
6042319027 0.00
6049387837 342,500.00
6050109203 125,900.00
6050529525 236,900.00
6050907234 82,500.00
6051566724 182,705.00
6054099749 225,000.00
6054216483 500,000.00
6056716621 0.00
6057622208 490,000.00
6058641058 133,000.00
6059423142 157,000.00
6059997350 0.00
6060257745 158,527.00
6070644247 0.00
6072627455 527,450.00
6072898155 239,000.00
6073416189 154,000.00
6073762541 203,500.00
6073883594 262,000.00
6076633046 110,000.00
6076925749 0.00
6077738448 134,400.00
6077962337 270,129.00
6078262406 209,900.00
6078527543 136,000.00
6080535054 135,000.00
6081779040 0.00
6082270304 0.00
6087014863 492,990.00
6091020070 199,900.00
6096102162 0.00
6096118457 95,000.00
6096131559 0.00
6097150731 196,000.00
6097777012 148,100.00
6098301903 174,000.00
6098669382 0.00
6099416270 152,000.00
6102748339 118,000.00
6103877590 199,000.00
6104138638 218,900.00
6104431124 123,900.00
6105370545 0.00
6105740432 183,054.00
6105994971 448,090.00
6110428221 295,000.00
6111373905 0.00
6112159493 133,500.00
6113014614 0.00
6118371761 0.00
6121723594 185,000.00
6122074617 0.00
6122100271 176,000.00
6123882802 211,500.00
6128487367 0.00
6130079640 175,000.00
6131236827 145,000.00
6132857829 188,450.00
6132959864 135,000.00
6135750120 143,747.00
6137520679 0.00
6138428062 132,000.00
6139633363 200,000.00
6141620002 156,900.00
6142390761 346,740.00
6142976262 99,500.00
6144235428 72,000.00
6146018194 380,000.00
6151728992 98,000.00
6151739809 0.00
6152351646 219,168.00
6153520934 0.00
6157645745 380,000.00
6157652345 134,000.00
6157671162 310,392.00
6158049541 166,500.00
6158306131 135,000.00
6158687027 460,000.00
6159670980 179,700.00
6162028549 190,000.00
6164645936 63,000.00
6165429371 400,000.00
6165520120 139,000.00
6172427814 172,000.00
6176585401 100,000.00
6177025993 335,900.00
6179163974 114,000.00
6179706376 159,500.00
6180044916 0.00
6186354772 129,000.00
6186446776 133,300.00
6188677642 101,900.00
6188904228 169,900.00
6189126326 260,000.00
6192540281 0.00
6193672893 375,000.00
6201391700 0.00
6204064817 0.00
6206525989 119,900.00
6209287637 420,000.00
6209297511 77,000.00
6213406769 308,000.00
6218233184 0.00
6223921427 115,950.00
6224140274 0.00
6224228319 94,500.00
6229329690 92,000.00
6231535748 323,500.00
6234167168 75,500.00
6235528392 345,000.00
6238236407 129,500.00
6239096842 194,750.00
6240685070 188,500.00
6240964335 0.00
6243187470 147,000.00
6244362783 220,000.00
6245049124 233,427.00
6245431264 136,000.00
6249846095 48,788.00
6249898344 185,400.00
6252493926 177,900.00
6256235620 270,000.00
6257731767 332,500.00
6257847795 636,000.00
6258206215 309,450.00
6263374818 0.00
6264746220 0.00
6267405428 0.00
6269228398 120,100.00
6274070199 0.00
6274982989 145,430.00
6287341710 154,000.00
6290595583 189,900.00
6293742661 167,500.00
6296586941 217,400.00
6298067312 177,900.00
6298198190 173,900.00
6298881407 309,500.00
6303790932 0.00
6307296779 172,000.00
6307615879 120,500.00
6310225930 142,000.00
6311040247 0.00
6314964609 127,000.00
6315509882 320,000.00
6315739620 158,200.00
6316122115 500,000.00
6317999503 215,000.00
6318186720 0.00
6318980080 100,000.00
6319450737 118,500.00
6325277439 240,000.00
6327130842 155,000.00
6327871379 0.00
6328123820 275,000.00
6329296211 116,000.00
6332354783 135,000.00
6337216805 227,000.00
6340599692 306,000.00
6340699559 189,900.00
6343004260 0.00
6344413379 160,000.00
6345331414 0.00
6348889897 183,596.00
6354390459 164,900.00
6355742435 369,433.00
6355791051 410,900.00
6357357901 138,500.00
6359079339 189,500.00
6361964445 118,500.00
6362824382 145,000.00
6362867589 0.00
6363813467 155,000.00
6364103249 126,500.00
6365746921 164,000.00
6365864591 215,000.00
6369587602 157,333.00
6370449164 346,350.00
6372315983 195,000.00
6373348033 129,850.00
6375335129 119,900.00
6376230782 245,000.00
6376274319 0.00
6377007205 240,000.00
6378187329 0.00
6379654624 134,495.00
6382438890 190,000.00
6382598628 233,000.00
6382682745 91,000.00
6386737289 136,900.00
6387062232 201,500.00
6387089524 120,950.00
6387390245 239,000.00
6389057693 0.00
6389104198 0.00
6389280410 100,000.00
6389337947 336,800.00
6389581924 147,000.00
6392152572 377,000.00
6395146712 227,450.00
6395705814 0.00
6397223386 0.00
6398169885 0.00
6398996246 0.00
6401169799 0.00
6403982611 188,377.00
6404061761 117,527.00
6404068493 0.00
6406458353 0.00
6408278320 0.00
6408969746 212,000.00
6411040006 187,257.00
6411577379 570,000.00
6415106886 192,000.00
6415835237 180,000.00
6419178360 132,500.00
6419482010 69,000.00
6422106085 322,000.00
6423160073 230,000.00
6425184329 78,500.00
6427198152 85,260.00
6427385064 156,000.00
6427575037 374,900.00
6429324053 0.00
6431641593 219,085.00
6434328263 188,900.00
6435034399 95,000.00
6435446817 271,602.00
6438484187 0.00
6438997568 195,000.00
6440769914 280,000.00
6443069718 171,000.00
6443124166 0.00
6443541930 87,000.00
6443720062 186,240.00
6444632506 166,000.00
6448842846 160,045.00
6449194965 175,000.00
6449571469 263,823.00
6449667036 0.00
6449839965 335,500.00
6452340513 222,000.00
6456021358 163,615.00
6459286230 163,500.00
6459419039 0.00
6460631796 195,000.00
6463799616 136,290.00
6463897774 300,000.00
6465710355 0.00
6468459224 270,000.00
6469996323 260,000.00
6470597300 285,000.00
6482084941 142,000.00
6483810260 155,700.00
6484929416 276,000.00
6485656133 0.00
6486165811 216,590.00
6487135649 200,000.00
6488058030 146,900.00
6488378198 337,900.00
6489780210 195,000.00
6492394140 227,659.00
6493691361 0.00
6497584398 584,025.00
6500938672 0.00
6501086489 238,000.00
6501643743 189,000.00
6502020800 314,900.00
6503352442 0.00
6503734490 144,200.00
6505617123 111,206.00
6506010641 185,000.00
6506918165 175,000.00
6506975660 117,000.00
6507085311 335,000.00
6509390792 122,900.00
6509846686 112,900.00
6514350369 348,000.00
6514586806 510,000.00
6517544323 153,000.00
6517903479 68,413.00
6519661455 153,045.00
6521647575 390,000.00
6524667638 0.00
6527729179 0.00
6533221807 120,000.00
6533354160 109,000.00
6534051831 479,000.00
6539366911 0.00
6539675030 138,000.00
6542220022 254,000.00
6544924159 0.00
6545098938 147,750.00
6545351147 105,000.00
6546932861 0.00
6549272828 155,000.00
6554537560 169,900.00
6555473963 161,000.00
6559596033 0.00
6563444642 130,000.00
6564642236 148,000.00
6566159551 199,800.00
6567133217 0.00
6567236077 215,000.00
6567864076 330,000.00
6569238741 205,000.00
6569416578 169,900.00
6569421776 0.00
6571727111 134,000.00
6573877575 0.00
6577509877 155,665.00
6578393081 129,000.00
6578672518 322,000.00
6580479027 160,000.00
6580532452 0.00
6580631502 335,000.00
6581573422 346,500.00
6581582035 369,900.00
6583001414 0.00
6583515066 136,552.00
6584609108 101,000.00
6585279372 250,000.00
6586820364 0.00
6591255721 288,000.00
6591500688 116,000.00
6597006144 175,000.00
6598180310 138,000.00
6598622824 220,000.00
6603435485 112,200.00
6603727253 92,000.00
6606049457 80,000.00
6609674400 222,500.00
6614046206 107,000.00
6616866627 81,375.00
6617217564 228,000.00
6617417016 0.00
6618585159 390,000.00
6620773447 0.00
6622441381 84,900.00
6625978348 270,000.00
6626114737 85,000.00
6626735887 600,000.00
6627290288 93,600.00
6632625478 414,000.00
6635286047 270,000.00
6640042682 400,000.00
6642911579 354,357.00
6642973108 0.00
6644350081 181,280.00
6644960657 68,000.00
6645104750 139,900.00
6649257570 0.00
6650302174 127,500.00
6650305318 0.00
6650349621 234,400.00
6652253300 115,000.00
6652348969 109,900.00
6652873891 359,000.00
6653623469 196,000.00
6653641859 176,500.00
6655272158 204,900.00
6655587100 180,000.00
6657011349 125,000.00
6659318122 0.00
6659828757 180,000.00
6660822245 55,000.00
6661041233 225,000.00
6665246614 0.00
6667763780 231,500.00
6667885096 0.00
6668442509 0.00
6671492996 170,765.00
6673218464 368,000.00
6676188698 148,900.00
6677693126 0.00
6677766542 124,900.00
6679320967 344,000.00
6682265381 0.00
6682354888 65,000.00
6684245191 111,000.00
6686205151 125,900.00
6687105665 465,000.00
6690634370 230,000.00
6699215494 0.00
6701256874 140,000.00
6701666726 145,848.00
6703227873 176,000.00
6709196114 149,156.00
6711148111 137,000.00
6711808045 90,000.00
6714306690 258,000.00
6715237902 225,516.00
6717548926 66,000.00
6717987017 164,669.00
6718322818 0.00
6719638527 145,000.00
6721994363 191,000.00
6723231251 160,000.00
6723798929 182,500.00
6724262909 183,000.00
6728817955 245,000.00
6728958882 143,000.00
6731411184 116,940.00
6732371692 93,500.00
6734150581 114,900.00
6734471516 0.00
6739706957 145,900.00
6740048571 225,000.00
6740931750 185,900.00
6744471530 235,870.00
6746145785 0.00
6746567046 289,000.00
6746659462 126,950.00
6746924296 262,500.00
6749676364 0.00
6750594704 0.00
6751853596 370,000.00
6755009070 168,000.00
6757167181 450,000.00
6758771759 426,000.00
6759964031 251,650.00
6763000038 128,000.00
6772237340 168,000.00
6773359929 364,265.00
6780084718 380,000.00
6781173650 126,500.00
6782512393 0.00
6783628958 124,900.00
6785004091 216,000.00
6788037213 135,800.00
6789626790 244,000.00
6793013894 310,000.00
6794380391 141,000.00
6795883583 255,000.00
6796321104 190,500.00
6798908163 212,745.00
6804276985 107,500.00
6805791206 195,604.00
6807463333 0.00
6808791492 269,000.00
6810772472 177,000.00
6810928363 128,025.00
6811972709 248,400.00
6812729066 0.00
6815433187 119,000.00
6815683310 167,500.00
6817347690 128,500.00
6817789438 90,500.00
6821143366 185,000.00
6821908636 274,900.00
6822906845 312,000.00
6823020018 200,000.00
6823626012 152,500.00
6829296638 0.00
6830904378 202,000.00
6833381657 232,500.00
6836515459 1,020,000.00
6839636849 215,500.00
6840046103 0.00
6842133354 179,900.00
6843356327 0.00
6846871850 224,900.00
6854157432 187,254.00
6864565152 285,000.00
6865560913 157,500.00
6865838350 237,000.00
6868593689 510,000.00
6869491388 270,000.00
6870841308 200,000.00
6871336415 149,930.00
6871455082 261,131.00
6877194032 63,900.00
6878714473 0.00
6879002167 228,615.00
6879414842 187,000.00
6880313926 236,500.00
6882470252 233,852.00
6884455251 177,950.00
6887375191 97,900.00
6892819613 0.00
6893857059 132,870.00
6898489791 145,500.00
6900637049 63,400.00
6902830543 178,000.00
6903050778 272,000.00
6903593215 400,000.00
6904301386 0.00
6904680722 285,000.00
6907606526 133,000.00
6908472779 0.00
6908595629 230,000.00
6910705620 296,000.00
6910769998 110,000.00
6911804067 335,513.00
6915377508 390,000.00
6916115923 232,000.00
6921039274 115,000.00
6922806473 300,941.00
6923338237 94,850.00
6924817320 265,000.00
6929324892 215,000.00
6929767868 0.00
6930026585 128,500.00
6934483485 0.00
6935587276 278,000.00
6935616539 100,000.00
6941232917 99,900.00
6941815927 333,047.00
6942732964 325,000.00
6944390423 390,000.00
6944870945 443,000.00
6947790264 47,000.00
6948975419 85,000.00
6950241551 335,879.00
6952111166 89,000.00
6952894480 325,000.00
6955714891 494,050.00
6958557362 179,070.00
6959763365 269,000.00
6967037083 309,900.00
6971914921 351,000.00
6972187907 0.00
6972440884 375,000.00
6974196898 292,000.00
6978847272 155,000.00
6980723255 250,000.00
6981233320 0.00
6981233791 0.00
6981635904 110,000.00
6981854976 0.00
6982137561 151,250.00
6982473677 105,000.00
6983541712 0.00
6984346590 400,000.00
6984384120 0.00
6984626371 355,000.00
6985258729 288,000.00
6987611719 0.00
6991732303 168,020.00
6993757290 160,000.00
EXHIBIT D-3
MORTGAGE LOAN SCHEDULE
(LOAN GROUP 3)
[LOGO-Bank of America]
BOAALT 2006-01
Group 3:
Mortgage Schedule
Loan Property
Number Type Occupancy
-----------------------------------------------------------------------------
3302124296 Single Family Investment (Non-Owner Occupied)
3303077436 Single Family Investment (Non-Owner Occupied)
3303294593 Single Family Investment (Non-Owner Occupied)
3303337665 Single Family Investment (Non-Owner Occupied)
3303351062 CL Investment (Non-Owner Occupied)
3303388528 Single Family Investment (Non-Owner Occupied)
3303396158 Two Family Investment (Non-Owner Occupied)
3303427441 Single Family Investment (Non-Owner Occupied)
3303430973 Single Family Investment (Non-Owner Occupied)
3303438968 Single Family Investment (Non-Owner Occupied)
3303443034 Single Family Investment (Non-Owner Occupied)
3303447290 Single Family Investment (Non-Owner Occupied)
3303450948 Single Family Investment (Non-Owner Occupied)
3303452597 Two Family Investment (Non-Owner Occupied)
3303453611 Single Family Investment (Non-Owner Occupied)
3303456911 Two Family Investment (Non-Owner Occupied)
3303459329 Single Family Investment (Non-Owner Occupied)
3303459832 Single Family Investment (Non-Owner Occupied)
3303462299 Single Family Investment (Non-Owner Occupied)
3303463982 PUD Detached Investment (Non-Owner Occupied)
3303464584 Single Family Investment (Non-Owner Occupied)
3303476695 Single Family Investment (Non-Owner Occupied)
3303477610 Single Family Investment (Non-Owner Occupied)
3303485951 Single Family Investment (Non-Owner Occupied)
3303487981 Condo Highrise Investment (Non-Owner Occupied)
3303488526 Single Family Investment (Non-Owner Occupied)
3303489466 Single Family Investment (Non-Owner Occupied)
3303489847 CL Investment (Non-Owner Occupied)
3303490043 Single Family Investment (Non-Owner Occupied)
3303492197 Four Family Investment (Non-Owner Occupied)
3303492403 Single Family Investment (Non-Owner Occupied)
3303494979 Single Family Investment (Non-Owner Occupied)
3303496891 Single Family Investment (Non-Owner Occupied)
3303498251 Single Family Investment (Non-Owner Occupied)
3303500288 Single Family Investment (Non-Owner Occupied)
3303500999 Single Family Investment (Non-Owner Occupied)
3303501815 Four Family Investment (Non-Owner Occupied)
3303503332 Single Family Investment (Non-Owner Occupied)
3303504793 Single Family Investment (Non-Owner Occupied)
3303506277 Single Family Investment (Non-Owner Occupied)
3303510386 Single Family Investment (Non-Owner Occupied)
3303514826 Single Family Investment (Non-Owner Occupied)
3303515351 Single Family Investment (Non-Owner Occupied)
3303517118 CL Investment (Non-Owner Occupied)
3303517795 Single Family Investment (Non-Owner Occupied)
3303518009 Single Family Investment (Non-Owner Occupied)
3303518389 Two Family Investment (Non-Owner Occupied)
3303518892 Two Family Investment (Non-Owner Occupied)
3303522100 PUD Attached Investment (Non-Owner Occupied)
3303524148 Single Family Investment (Non-Owner Occupied)
3303524197 Single Family Investment (Non-Owner Occupied)
3303525335 CL Investment (Non-Owner Occupied)
3303525939 Single Family Investment (Non-Owner Occupied)
3303526036 Single Family Investment (Non-Owner Occupied)
3303526879 Single Family Investment (Non-Owner Occupied)
3303528412 Single Family Investment (Non-Owner Occupied)
3303530327 CL Investment (Non-Owner Occupied)
3303531226 CL Investment (Non-Owner Occupied)
3303531853 Single Family Investment (Non-Owner Occupied)
3303532646 Single Family Investment (Non-Owner Occupied)
3303534048 Single Family Investment (Non-Owner Occupied)
3303535151 PUD Attached Investment (Non-Owner Occupied)
3303535649 Single Family Investment (Non-Owner Occupied)
3303536027 Two Family Investment (Non-Owner Occupied)
3303536332 Two Family Investment (Non-Owner Occupied)
3303536373 Single Family Investment (Non-Owner Occupied)
3303537827 Single Family Investment (Non-Owner Occupied)
3303537876 Single Family Investment (Non-Owner Occupied)
3303537967 Single Family Investment (Non-Owner Occupied)
3303540557 PUD Attached Investment (Non-Owner Occupied)
3303540862 PUD Attached Investment (Non-Owner Occupied)
3303541258 CL Investment (Non-Owner Occupied)
3303543387 PUD Detached Investment (Non-Owner Occupied)
3303544427 Single Family Investment (Non-Owner Occupied)
3303544542 Single Family Investment (Non-Owner Occupied)
3303544708 Single Family Investment (Non-Owner Occupied)
3303545242 Single Family Investment (Non-Owner Occupied)
3303547230 Two Family Investment (Non-Owner Occupied)
3303548378 Single Family Investment (Non-Owner Occupied)
3303548584 Single Family Investment (Non-Owner Occupied)
3303548857 CL Investment (Non-Owner Occupied)
3303550614 Single Family Investment (Non-Owner Occupied)
3303550994 Single Family Investment (Non-Owner Occupied)
3303552438 Single Family Investment (Non-Owner Occupied)
3303552842 Single Family Investment (Non-Owner Occupied)
3303553006 Single Family Investment (Non-Owner Occupied)
3303553931 Single Family Investment (Non-Owner Occupied)
3303554749 Single Family Investment (Non-Owner Occupied)
3303558385 Single Family Investment (Non-Owner Occupied)
3303560167 Single Family Investment (Non-Owner Occupied)
3303560449 Single Family Investment (Non-Owner Occupied)
3303560761 PUD Detached Investment (Non-Owner Occupied)
3303563617 Single Family Investment (Non-Owner Occupied)
3303563849 Two Family Investment (Non-Owner Occupied)
3303564094 Condo Highrise Investment (Non-Owner Occupied)
3303564177 PUD Detached Investment (Non-Owner Occupied)
3303564730 Single Family Investment (Non-Owner Occupied)
3303566255 Single Family Investment (Non-Owner Occupied)
3303566826 Single Family Investment (Non-Owner Occupied)
3303568723 Single Family Investment (Non-Owner Occupied)
3303570174 CL Investment (Non-Owner Occupied)
3303570646 Single Family Investment (Non-Owner Occupied)
3303570653 CL Investment (Non-Owner Occupied)
3303572899 Single Family Investment (Non-Owner Occupied)
3303575744 Single Family Investment (Non-Owner Occupied)
3303578185 Single Family Investment (Non-Owner Occupied)
3303580512 Single Family Investment (Non-Owner Occupied)
3303581676 Single Family Investment (Non-Owner Occupied)
3303582799 Single Family Investment (Non-Owner Occupied)
3303583763 PUD Attached Investment (Non-Owner Occupied)
3303584191 Single Family Investment (Non-Owner Occupied)
3303584415 Single Family Investment (Non-Owner Occupied)
3303584977 Single Family Investment (Non-Owner Occupied)
3303586857 Single Family Investment (Non-Owner Occupied)
3303588119 Two Family Investment (Non-Owner Occupied)
3303588903 PUD Attached Investment (Non-Owner Occupied)
3303589521 CL Investment (Non-Owner Occupied)
3303591659 Single Family Investment (Non-Owner Occupied)
3303593341 Townhouse Investment (Non-Owner Occupied)
3303593754 PUD Attached Investment (Non-Owner Occupied)
3303594158 Three Family Investment (Non-Owner Occupied)
3303594612 Two Family Investment (Non-Owner Occupied)
3303594893 Two Family Investment (Non-Owner Occupied)
3303595767 Single Family Investment (Non-Owner Occupied)
3303595783 CL Investment (Non-Owner Occupied)
3303596468 Single Family Investment (Non-Owner Occupied)
3303597904 Single Family Investment (Non-Owner Occupied)
3303598696 Single Family Investment (Non-Owner Occupied)
3303599496 Single Family Investment (Non-Owner Occupied)
3303599751 Two Family Investment (Non-Owner Occupied)
3303603348 CL Investment (Non-Owner Occupied)
3303605798 Condo Highrise Investment (Non-Owner Occupied)
3303607224 PUD Attached Investment (Non-Owner Occupied)
3303609543 Single Family Investment (Non-Owner Occupied)
3303612406 Single Family Investment (Non-Owner Occupied)
3303612844 Single Family Investment (Non-Owner Occupied)
3303613610 PUD Detached Investment (Non-Owner Occupied)
3303614303 CL Investment (Non-Owner Occupied)
3303614725 Single Family Investment (Non-Owner Occupied)
3303615060 Single Family Investment (Non-Owner Occupied)
3303616142 Single Family Investment (Non-Owner Occupied)
3303618569 Single Family Investment (Non-Owner Occupied)
3303620029 Single Family Investment (Non-Owner Occupied)
3303620573 Single Family Investment (Non-Owner Occupied)
3303622009 Single Family Investment (Non-Owner Occupied)
3303622603 Single Family Investment (Non-Owner Occupied)
3303623288 Single Family Investment (Non-Owner Occupied)
3303624112 PUD Attached Investment (Non-Owner Occupied)
3303625234 Single Family Investment (Non-Owner Occupied)
3303626471 Single Family Investment (Non-Owner Occupied)
3303632628 Single Family Investment (Non-Owner Occupied)
3303638369 Single Family Investment (Non-Owner Occupied)
3303642908 Single Family Investment (Non-Owner Occupied)
3303650109 CL Investment (Non-Owner Occupied)
3303654051 Single Family Investment (Non-Owner Occupied)
3303654358 Single Family Investment (Non-Owner Occupied)
3303673143 PUD Detached Investment (Non-Owner Occupied)
3303681799 Single Family Investment (Non-Owner Occupied)
3303691228 Single Family Investment (Non-Owner Occupied)
3303697340 PUD Attached Investment (Non-Owner Occupied)
6000315579 CL Investment (Non-Owner Occupied)
6001361119 Single Family Investment (Non-Owner Occupied)
6002074497 PUD Detached Investment (Non-Owner Occupied)
6003343446 Single Family Investment (Non-Owner Occupied)
6006146812 Single Family Investment (Non-Owner Occupied)
0000000000 CL Investment (Non-Owner Occupied)
6008765155 Two Family Investment (Non-Owner Occupied)
6009466787 Two Family Investment (Non-Owner Occupied)
6011209811 Single Family Investment (Non-Owner Occupied)
6014109000 Single Family Investment (Non-Owner Occupied)
6014472176 Single Family Investment (Non-Owner Occupied)
6015202796 Single Family Investment (Non-Owner Occupied)
6015394361 Two Family Investment (Non-Owner Occupied)
6015974980 CL Investment (Non-Owner Occupied)
6017807469 Single Family Investment (Non-Owner Occupied)
6019508016 Single Family Investment (Non-Owner Occupied)
6020756166 Two Family Investment (Non-Owner Occupied)
6022773698 Single Family Investment (Non-Owner Occupied)
6023473413 Two Family Investment (Non-Owner Occupied)
6024878248 Single Family Investment (Non-Owner Occupied)
6027008918 Single Family Investment (Non-Owner Occupied)
6029793434 Single Family Investment (Non-Owner Occupied)
6031914101 CL Investment (Non-Owner Occupied)
6032594183 Three Family Investment (Non-Owner Occupied)
6032877240 Single Family Investment (Non-Owner Occupied)
6036777776 Single Family Investment (Non-Owner Occupied)
6036820576 Single Family Investment (Non-Owner Occupied)
6037371843 Single Family Investment (Non-Owner Occupied)
6037802342 Single Family Investment (Non-Owner Occupied)
6040303775 Two Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6041850584 CL Investment (Non-Owner Occupied)
6044018569 Single Family Investment (Non-Owner Occupied)
6045098776 CL Investment (Non-Owner Occupied)
6046358062 Single Family Investment (Non-Owner Occupied)
6047617599 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6050832804 Single Family Investment (Non-Owner Occupied)
6051022728 Two Family Investment (Non-Owner Occupied)
6056001933 Single Family Investment (Non-Owner Occupied)
6059112232 CL Investment (Non-Owner Occupied)
0000000000 PUD Detached Secondary (Owner Occupied)
6063210675 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6066857332 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6071697590 Single Family Investment (Non-Owner Occupied)
6072078063 CL Investment (Non-Owner Occupied)
6073077973 Single Family Investment (Non-Owner Occupied)
6073961093 Single Family Investment (Non-Owner Occupied)
0000000000 Condo Highrise Investment (Non-Owner Occupied)
6074808277 CL Secondary (Owner Occupied)
6074896710 Three Family Investment (Non-Owner Occupied)
6076106191 Three Family Investment (Non-Owner Occupied)
6079535008 Single Family Investment (Non-Owner Occupied)
6080831172 Single Family Secondary (Owner Occupied)
6081700962 Two Family Investment (Non-Owner Occupied)
6083928413 Single Family Investment (Non-Owner Occupied)
6087979016 CL Investment (Non-Owner Occupied)
6088786865 Single Family Investment (Non-Owner Occupied)
6091882941 CL Investment (Non-Owner Occupied)
6092117255 CL Investment (Non-Owner Occupied)
0000000000 PUD Detached Investment (Non-Owner Occupied)
6093058763 Single Family Investment (Non-Owner Occupied)
6098561357 CL Investment (Non-Owner Occupied)
6104882086 Townhouse Investment (Non-Owner Occupied)
6105683376 PUD Detached Investment (Non-Owner Occupied)
6106568915 Single Family Investment (Non-Owner Occupied)
6108212991 Three Family Investment (Non-Owner Occupied)
6109353471 CL Investment (Non-Owner Occupied)
0000000000 PUD Detached Investment (Non-Owner Occupied)
6113058108 CL Secondary (Owner Occupied)
6123173988 Single Family Investment (Non-Owner Occupied)
6124179257 PUD Detached Secondary (Owner Occupied)
6126251195 Single Family Investment (Non-Owner Occupied)
6131018951 Two Family Investment (Non-Owner Occupied)
0000000000 Two Family Investment (Non-Owner Occupied)
6134507919 PUD Attached Investment (Non-Owner Occupied)
6136125371 Condo Highrise Investment (Non-Owner Occupied)
6138390841 Single Family Investment (Non-Owner Occupied)
6140419752 Single Family Investment (Non-Owner Occupied)
6141351012 Single Family Investment (Non-Owner Occupied)
6142023198 Single Family Investment (Non-Owner Occupied)
6142835989 CL Investment (Non-Owner Occupied)
6144861140 PUD Detached Investment (Non-Owner Occupied)
6145107535 Two Family Investment (Non-Owner Occupied)
6145667686 Single Family Investment (Non-Owner Occupied)
6148514984 Two Family Investment (Non-Owner Occupied)
6150605712 PUD Detached Investment (Non-Owner Occupied)
6151518021 Single Family Investment (Non-Owner Occupied)
0000000000 CL Investment (Non-Owner Occupied)
6159449617 Single Family Investment (Non-Owner Occupied)
6159842233 Two Family Investment (Non-Owner Occupied)
6161504870 PUD Detached Investment (Non-Owner Occupied)
6164533504 CL Investment (Non-Owner Occupied)
6176705124 CL Investment (Non-Owner Occupied)
6182539954 CL Investment (Non-Owner Occupied)
6183194270 Two Family Investment (Non-Owner Occupied)
0000000000 PUD Detached Investment (Non-Owner Occupied)
6187062739 Single Family Investment (Non-Owner Occupied)
6189475483 LC Secondary (Owner Occupied)
6190161809 Single Family Investment (Non-Owner Occupied)
6190651213 Single Family Investment (Non-Owner Occupied)
6195484339 Single Family Investment (Non-Owner Occupied)
6197924183 Single Family Investment (Non-Owner Occupied)
6198261544 Single Family Investment (Non-Owner Occupied)
6199033066 Single Family Investment (Non-Owner Occupied)
6200743299 CL Secondary (Owner Occupied)
6203572505 Single Family Investment (Non-Owner Occupied)
6203870859 PUD Detached Investment (Non-Owner Occupied)
6204134206 Single Family Investment (Non-Owner Occupied)
0000000000 Two Family Investment (Non-Owner Occupied)
6207744464 Two Family Investment (Non-Owner Occupied)
6208506235 Single Family Investment (Non-Owner Occupied)
6208689551 Single Family Investment (Non-Owner Occupied)
6210560485 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6212794165 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6215314821 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6218594056 Condo Highrise Investment (Non-Owner Occupied)
6219461412 PUD Detached Investment (Non-Owner Occupied)
6219717417 Single Family Investment (Non-Owner Occupied)
6220251968 Condo Highrise Secondary (Owner Occupied)
6222385780 PUD Detached Investment (Non-Owner Occupied)
0000000000 PUD Detached Investment (Non-Owner Occupied)
6229869315 Single Family Investment (Non-Owner Occupied)
6230083393 Single Family Investment (Non-Owner Occupied)
6231758845 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6240875960 Single Family Investment (Non-Owner Occupied)
6244335433 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6251647431 Single Family Investment (Non-Owner Occupied)
6253033309 Single Family Investment (Non-Owner Occupied)
6254193961 CL Investment (Non-Owner Occupied)
6255163328 Single Family Investment (Non-Owner Occupied)
6255887793 Single Family Investment (Non-Owner Occupied)
6256040038 CL Investment (Non-Owner Occupied)
6256298529 Two Family Investment (Non-Owner Occupied)
6258824793 Two Family Investment (Non-Owner Occupied)
6260025744 PUD Detached Investment (Non-Owner Occupied)
6260179632 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6262721753 Single Family Investment (Non-Owner Occupied)
6265598638 CL Investment (Non-Owner Occupied)
6266309621 Two Family Investment (Non-Owner Occupied)
6269551070 Single Family Investment (Non-Owner Occupied)
6272988574 CL Investment (Non-Owner Occupied)
6276272769 Single Family Investment (Non-Owner Occupied)
6276373393 PUD Detached Investment (Non-Owner Occupied)
6278028094 Single Family Investment (Non-Owner Occupied)
6279144965 Single Family Investment (Non-Owner Occupied)
6280177087 PUD Attached Investment (Non-Owner Occupied)
6286973562 Single Family Investment (Non-Owner Occupied)
6288768911 Single Family Investment (Non-Owner Occupied)
6289272905 CL Investment (Non-Owner Occupied)
6289636851 Two Family Investment (Non-Owner Occupied)
6291160437 PUD Attached Investment (Non-Owner Occupied)
0000000000 CL Investment (Non-Owner Occupied)
6292136253 Two Family Investment (Non-Owner Occupied)
6293588809 Single Family Investment (Non-Owner Occupied)
6295171182 Two Family Investment (Non-Owner Occupied)
6296176537 Two Family Investment (Non-Owner Occupied)
6296739136 Two Family Investment (Non-Owner Occupied)
6297327725 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6299667425 CL Investment (Non-Owner Occupied)
6301777105 Single Family Investment (Non-Owner Occupied)
6301892672 Single Family Investment (Non-Owner Occupied)
6301904089 Single Family Investment (Non-Owner Occupied)
6303824194 CL Investment (Non-Owner Occupied)
6304778365 Single Family Investment (Non-Owner Occupied)
6306445930 Three Family Investment (Non-Owner Occupied)
6308191011 CL Investment (Non-Owner Occupied)
6310537276 Single Family Investment (Non-Owner Occupied)
6310673543 Single Family Investment (Non-Owner Occupied)
6313290493 CL Investment (Non-Owner Occupied)
6313726546 Single Family Investment (Non-Owner Occupied)
6315352564 CL Investment (Non-Owner Occupied)
6315391778 Single Family Investment (Non-Owner Occupied)
6315798329 Single Family Investment (Non-Owner Occupied)
6316141354 Two Family Investment (Non-Owner Occupied)
6316524120 Two Family Investment (Non-Owner Occupied)
6318551246 Two Family Investment (Non-Owner Occupied)
6318677892 Single Family Investment (Non-Owner Occupied)
6319903438 CL Investment (Non-Owner Occupied)
6321220003 Two Family Investment (Non-Owner Occupied)
6321693506 Single Family Investment (Non-Owner Occupied)
6322051308 Two Family Investment (Non-Owner Occupied)
6322887537 Two Family Investment (Non-Owner Occupied)
6323175833 Townhouse Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6327070162 Single Family Investment (Non-Owner Occupied)
6332092227 Single Family Investment (Non-Owner Occupied)
6332129144 Single Family Investment (Non-Owner Occupied)
6338533596 Single Family Investment (Non-Owner Occupied)
6339531094 Two Family Investment (Non-Owner Occupied)
6340108023 PUD Detached Investment (Non-Owner Occupied)
6342620421 Single Family Investment (Non-Owner Occupied)
6344842676 Single Family Investment (Non-Owner Occupied)
6345096694 Single Family Secondary (Owner Occupied)
6345191446 Single Family Investment (Non-Owner Occupied)
6354889062 Two Family Investment (Non-Owner Occupied)
6360240292 CL Investment (Non-Owner Occupied)
6361374504 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6362628940 PUD Attached Investment (Non-Owner Occupied)
6364665213 CL Investment (Non-Owner Occupied)
6366353008 CL Investment (Non-Owner Occupied)
6370566058 Single Family Investment (Non-Owner Occupied)
6370901685 Single Family Investment (Non-Owner Occupied)
6371804649 Single Family Investment (Non-Owner Occupied)
6371912780 PUD Detached Investment (Non-Owner Occupied)
6373960175 Two Family Investment (Non-Owner Occupied)
6375500326 Single Family Investment (Non-Owner Occupied)
6378896028 Single Family Investment (Non-Owner Occupied)
6379677179 Single Family Investment (Non-Owner Occupied)
6382792379 PUD Detached Investment (Non-Owner Occupied)
6386434291 PUD Detached Investment (Non-Owner Occupied)
6386770181 Four Family Investment (Non-Owner Occupied)
6386971417 CL Investment (Non-Owner Occupied)
6387535989 CL Investment (Non-Owner Occupied)
6387653709 Townhouse Investment (Non-Owner Occupied)
6387905356 Two Family Investment (Non-Owner Occupied)
6391150247 Single Family Investment (Non-Owner Occupied)
6393207490 PUD Attached Investment (Non-Owner Occupied)
6395354860 PUD Detached Investment (Non-Owner Occupied)
6395364562 Single Family Investment (Non-Owner Occupied)
6398736063 Single Family Investment (Non-Owner Occupied)
6399574174 Single Family Investment (Non-Owner Occupied)
0000000000 CL Investment (Non-Owner Occupied)
6401093932 Three Family Investment (Non-Owner Occupied)
6405899375 Two Family Investment (Non-Owner Occupied)
6406072915 Two Family Investment (Non-Owner Occupied)
6406109733 Single Family Investment (Non-Owner Occupied)
6407002408 Townhouse Investment (Non-Owner Occupied)
6407938544 Condo Highrise Investment (Non-Owner Occupied)
6408049358 Townhouse Investment (Non-Owner Occupied)
6411984005 Single Family Investment (Non-Owner Occupied)
6415367165 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6419288227 Single Family Investment (Non-Owner Occupied)
6419345654 PUD Detached Investment (Non-Owner Occupied)
6419987844 CL Investment (Non-Owner Occupied)
6421325728 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6427207714 Single Family Investment (Non-Owner Occupied)
6428869066 Single Family Investment (Non-Owner Occupied)
6431623377 Two Family Investment (Non-Owner Occupied)
6433401731 Single Family Investment (Non-Owner Occupied)
6433609994 Single Family Investment (Non-Owner Occupied)
6433941041 Two Family Investment (Non-Owner Occupied)
6436179532 Single Family Investment (Non-Owner Occupied)
0000000000 Four Family Investment (Non-Owner Occupied)
6441691208 Single Family Investment (Non-Owner Occupied)
6444631763 Single Family Investment (Non-Owner Occupied)
6446042357 Single Family Investment (Non-Owner Occupied)
6446587153 CL Secondary (Owner Occupied)
6446658376 Single Family Investment (Non-Owner Occupied)
6447360428 Single Family Investment (Non-Owner Occupied)
6451825613 CL Investment (Non-Owner Occupied)
6452857227 Single Family Investment (Non-Owner Occupied)
6454955904 PUD Detached Investment (Non-Owner Occupied)
6462284719 Single Family Investment (Non-Owner Occupied)
6463789245 Single Family Investment (Non-Owner Occupied)
6464652780 Single Family Investment (Non-Owner Occupied)
6466220545 Single Family Investment (Non-Owner Occupied)
6470994689 Single Family Investment (Non-Owner Occupied)
6472436572 Two Family Investment (Non-Owner Occupied)
6473076138 Single Family Investment (Non-Owner Occupied)
6475124530 Two Family Investment (Non-Owner Occupied)
6478802421 Single Family Investment (Non-Owner Occupied)
6479869403 PUD Detached Investment (Non-Owner Occupied)
6480898698 CL Investment (Non-Owner Occupied)
6481919394 Single Family Investment (Non-Owner Occupied)
6484070658 Single Family Investment (Non-Owner Occupied)
6485294703 Single Family Investment (Non-Owner Occupied)
6485973140 Two Family Investment (Non-Owner Occupied)
6487125889 Four Family Investment (Non-Owner Occupied)
0000000000 Two Family Investment (Non-Owner Occupied)
6489515095 Single Family Investment (Non-Owner Occupied)
6492254807 CL Investment (Non-Owner Occupied)
6496842193 Single Family Investment (Non-Owner Occupied)
6497037751 Two Family Investment (Non-Owner Occupied)
6498949913 Single Family Investment (Non-Owner Occupied)
6499815352 Single Family Investment (Non-Owner Occupied)
6500163917 Single Family Investment (Non-Owner Occupied)
6500203812 Single Family Investment (Non-Owner Occupied)
6500995557 Single Family Investment (Non-Owner Occupied)
6501398504 Single Family Investment (Non-Owner Occupied)
6506065066 Single Family Investment (Non-Owner Occupied)
6508954325 CL Investment (Non-Owner Occupied)
6511419498 Townhouse Investment (Non-Owner Occupied)
6516488647 Two Family Investment (Non-Owner Occupied)
6516758668 Single Family Investment (Non-Owner Occupied)
6517702301 Two Family Investment (Non-Owner Occupied)
6518821464 Single Family Investment (Non-Owner Occupied)
6520616027 Single Family Investment (Non-Owner Occupied)
6520656197 PUD Attached Investment (Non-Owner Occupied)
6522029963 Single Family Investment (Non-Owner Occupied)
6524926786 Single Family Investment (Non-Owner Occupied)
6528813733 Townhouse Investment (Non-Owner Occupied)
6532988729 Single Family Investment (Non-Owner Occupied)
6538682086 Single Family Investment (Non-Owner Occupied)
6540281117 Townhouse Investment (Non-Owner Occupied)
6540569552 Single Family Investment (Non-Owner Occupied)
6540868376 PUD Detached Investment (Non-Owner Occupied)
6542500225 Single Family Investment (Non-Owner Occupied)
6543312265 Single Family Investment (Non-Owner Occupied)
6543457342 Single Family Secondary (Owner Occupied)
6546028363 Single Family Investment (Non-Owner Occupied)
6548471686 Two Family Investment (Non-Owner Occupied)
6550077348 Single Family Investment (Non-Owner Occupied)
6552782606 Four Family Investment (Non-Owner Occupied)
6555121828 Single Family Investment (Non-Owner Occupied)
6555174108 Single Family Investment (Non-Owner Occupied)
6555635942 Single Family Investment (Non-Owner Occupied)
6557213383 Two Family Investment (Non-Owner Occupied)
6557970149 CL Investment (Non-Owner Occupied)
6558301773 Single Family Investment (Non-Owner Occupied)
6558464183 PUD Detached Investment (Non-Owner Occupied)
6560146307 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6560695097 PUD Attached Secondary (Owner Occupied)
6561698520 Single Family Investment (Non-Owner Occupied)
6562921483 Condo Highrise Investment (Non-Owner Occupied)
6563780722 Single Family Investment (Non-Owner Occupied)
6564050885 Two Family Investment (Non-Owner Occupied)
6567156069 Single Family Investment (Non-Owner Occupied)
6569198655 PUD Detached Secondary (Owner Occupied)
6570338266 Single Family Investment (Non-Owner Occupied)
6571975678 Three Family Investment (Non-Owner Occupied)
6573611644 Single Family Investment (Non-Owner Occupied)
6574680754 PUD Attached Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6582681315 Single Family Investment (Non-Owner Occupied)
0000000000 CL Investment (Non-Owner Occupied)
6584212168 Single Family Investment (Non-Owner Occupied)
6584263203 CL Investment (Non-Owner Occupied)
6584399395 Single Family Investment (Non-Owner Occupied)
6584494824 Two Family Investment (Non-Owner Occupied)
6585675348 CL Secondary (Owner Occupied)
6587131183 Single Family Investment (Non-Owner Occupied)
6589692687 Two Family Investment (Non-Owner Occupied)
6590581085 Single Family Investment (Non-Owner Occupied)
6591042665 Two Family Investment (Non-Owner Occupied)
6591291817 Single Family Investment (Non-Owner Occupied)
6591701757 Single Family Investment (Non-Owner Occupied)
6592187279 Condo Highrise Investment (Non-Owner Occupied)
6594070952 Single Family Investment (Non-Owner Occupied)
6595696466 Two Family Investment (Non-Owner Occupied)
6596418670 Single Family Investment (Non-Owner Occupied)
6599843312 Single Family Investment (Non-Owner Occupied)
6600054206 Single Family Investment (Non-Owner Occupied)
6604402377 Townhouse Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6606211594 Single Family Investment (Non-Owner Occupied)
6607016406 Single Family Investment (Non-Owner Occupied)
6607375950 Single Family Investment (Non-Owner Occupied)
6609474629 Single Family Investment (Non-Owner Occupied)
6610016781 Single Family Investment (Non-Owner Occupied)
6610766146 CL Investment (Non-Owner Occupied)
6616769060 Two Family Investment (Non-Owner Occupied)
6617940405 Single Family Investment (Non-Owner Occupied)
6620996261 Single Family Investment (Non-Owner Occupied)
6622584412 Four Family Investment (Non-Owner Occupied)
6623785737 PUD Detached Investment (Non-Owner Occupied)
6624572993 PUD Detached Investment (Non-Owner Occupied)
6625291270 Single Family Investment (Non-Owner Occupied)
6625541112 CL Investment (Non-Owner Occupied)
6625908766 Single Family Investment (Non-Owner Occupied)
6626240029 Single Family Investment (Non-Owner Occupied)
6627990655 Single Family Investment (Non-Owner Occupied)
6629709400 Two Family Investment (Non-Owner Occupied)
6631011357 Single Family Investment (Non-Owner Occupied)
6633180812 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6633862914 Two Family Investment (Non-Owner Occupied)
6634174095 Two Family Investment (Non-Owner Occupied)
6637772671 Single Family Investment (Non-Owner Occupied)
6639132163 PUD Detached Investment (Non-Owner Occupied)
6641072985 CL Investment (Non-Owner Occupied)
6641531378 CL Secondary (Owner Occupied)
6643559914 CL Investment (Non-Owner Occupied)
6644511146 CL Investment (Non-Owner Occupied)
6644558287 Single Family Investment (Non-Owner Occupied)
6647115549 CL Investment (Non-Owner Occupied)
6651716737 Single Family Investment (Non-Owner Occupied)
6654212668 Single Family Investment (Non-Owner Occupied)
6654826947 Single Family Investment (Non-Owner Occupied)
6658353740 Two Family Investment (Non-Owner Occupied)
6658942815 Single Family Investment (Non-Owner Occupied)
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6663059340 Single Family Investment (Non-Owner Occupied)
6663924345 CL Investment (Non-Owner Occupied)
6665368426 Single Family Investment (Non-Owner Occupied)
6667828922 CL Investment (Non-Owner Occupied)
6670398137 Single Family Investment (Non-Owner Occupied)
6670400750 Two Family Investment (Non-Owner Occupied)
6671249305 Four Family Investment (Non-Owner Occupied)
6672414445 Single Family Secondary (Owner Occupied)
6672696256 Single Family Investment (Non-Owner Occupied)
6672915862 Single Family Investment (Non-Owner Occupied)
6677548692 Single Family Investment (Non-Owner Occupied)
0000000000 CL Investment (Non-Owner Occupied)
6684586933 CL Investment (Non-Owner Occupied)
6685183227 PUD Detached Investment (Non-Owner Occupied)
6687204773 CL Secondary (Owner Occupied)
6688008439 Single Family Investment (Non-Owner Occupied)
6693256734 Single Family Investment (Non-Owner Occupied)
6693417021 Single Family Investment (Non-Owner Occupied)
6695069382 Single Family Investment (Non-Owner Occupied)
6695097656 Single Family Investment (Non-Owner Occupied)
6696517181 CL Investment (Non-Owner Occupied)
6696721346 Condo Highrise Investment (Non-Owner Occupied)
6696832655 Single Family Investment (Non-Owner Occupied)
6699194087 Single Family Investment (Non-Owner Occupied)
6699236805 PUD Attached Investment (Non-Owner Occupied)
6699335623 Single Family Secondary (Owner Occupied)
6699380652 CL Secondary (Owner Occupied)
6700147165 Single Family Investment (Non-Owner Occupied)
6704428397 Single Family Investment (Non-Owner Occupied)
6704781290 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6711084498 Single Family Investment (Non-Owner Occupied)
6711178258 PUD Attached Investment (Non-Owner Occupied)
6712767562 Single Family Investment (Non-Owner Occupied)
6712902391 Single Family Investment (Non-Owner Occupied)
6713699889 Single Family Investment (Non-Owner Occupied)
6720710612 Single Family Investment (Non-Owner Occupied)
6723551625 Two Family Investment (Non-Owner Occupied)
6724075418 Three Family Investment (Non-Owner Occupied)
6726123745 Single Family Investment (Non-Owner Occupied)
6728237584 Single Family Investment (Non-Owner Occupied)
6729073194 Two Family Investment (Non-Owner Occupied)
6729788759 CL Investment (Non-Owner Occupied)
6730466999 Single Family Investment (Non-Owner Occupied)
0000000000 Two Family Investment (Non-Owner Occupied)
0000000000 PUD Detached Investment (Non-Owner Occupied)
6733094558 Single Family Investment (Non-Owner Occupied)
6734365452 Single Family Investment (Non-Owner Occupied)
6738668984 Two Family Investment (Non-Owner Occupied)
6739452305 Single Family Investment (Non-Owner Occupied)
6741901786 Single Family Investment (Non-Owner Occupied)
6743654268 Two Family Investment (Non-Owner Occupied)
6746206728 Single Family Investment (Non-Owner Occupied)
6747214515 Single Family Investment (Non-Owner Occupied)
6747696505 Single Family Investment (Non-Owner Occupied)
6748966931 Single Family Investment (Non-Owner Occupied)
6752130978 Two Family Investment (Non-Owner Occupied)
6754309380 CL Investment (Non-Owner Occupied)
6757388761 Townhouse Investment (Non-Owner Occupied)
6757515306 CL Investment (Non-Owner Occupied)
6758836503 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6767617787 Two Family Investment (Non-Owner Occupied)
6768071984 Two Family Investment (Non-Owner Occupied)
6768906007 Single Family Investment (Non-Owner Occupied)
6770820279 Single Family Secondary (Owner Occupied)
0000000000 PUD Detached Investment (Non-Owner Occupied)
6776433317 Single Family Investment (Non-Owner Occupied)
6777499622 Four Family Investment (Non-Owner Occupied)
6777714582 Single Family Investment (Non-Owner Occupied)
6779390357 Two Family Investment (Non-Owner Occupied)
6784368331 Two Family Investment (Non-Owner Occupied)
6784368513 Single Family Investment (Non-Owner Occupied)
6791510537 Two Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6793687267 Single Family Investment (Non-Owner Occupied)
6794423258 Two Family Investment (Non-Owner Occupied)
0000000000 CL Investment (Non-Owner Occupied)
6798784663 Single Family Investment (Non-Owner Occupied)
6798933161 condo lowrise Investment (Non-Owner Occupied)
6799106999 Single Family Investment (Non-Owner Occupied)
6799975559 Single Family Investment (Non-Owner Occupied)
6802939113 Single Family Investment (Non-Owner Occupied)
6803131744 Single Family Investment (Non-Owner Occupied)
6803396701 Single Family Investment (Non-Owner Occupied)
6803874582 CL Investment (Non-Owner Occupied)
6805049712 Two Family Investment (Non-Owner Occupied)
6806437882 PUD Detached Investment (Non-Owner Occupied)
6806640667 Single Family Investment (Non-Owner Occupied)
6808222654 Single Family Investment (Non-Owner Occupied)
6811835146 Two Family Investment (Non-Owner Occupied)
6813609234 CL Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6816770199 CL Investment (Non-Owner Occupied)
6818621515 CL Investment (Non-Owner Occupied)
6818836055 Single Family Investment (Non-Owner Occupied)
6819024172 Single Family Investment (Non-Owner Occupied)
6819710689 Single Family Secondary (Owner Occupied)
6820915939 CL Investment (Non-Owner Occupied)
6821351738 Single Family Investment (Non-Owner Occupied)
6824938325 Two Family Investment (Non-Owner Occupied)
6825584029 Single Family Investment (Non-Owner Occupied)
6825808410 Four Family Investment (Non-Owner Occupied)
6827240471 Single Family Investment (Non-Owner Occupied)
6830772189 Townhouse Investment (Non-Owner Occupied)
6830869423 Four Family Investment (Non-Owner Occupied)
6831585424 Single Family Investment (Non-Owner Occupied)
6832697210 Single Family Investment (Non-Owner Occupied)
6838094917 PUD Detached Investment (Non-Owner Occupied)
6841473066 CL Secondary (Owner Occupied)
6841731091 Two Family Investment (Non-Owner Occupied)
6842074442 CL Investment (Non-Owner Occupied)
6842958594 Single Family Investment (Non-Owner Occupied)
6844844420 Townhouse Investment (Non-Owner Occupied)
6845407870 Single Family Investment (Non-Owner Occupied)
6846746581 Single Family Investment (Non-Owner Occupied)
6846883194 CL Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6848632979 CL Investment (Non-Owner Occupied)
6849177008 Two Family Investment (Non-Owner Occupied)
6849573230 CL Investment (Non-Owner Occupied)
6851192929 CL Investment (Non-Owner Occupied)
6854543730 Single Family Investment (Non-Owner Occupied)
6855556749 Single Family Investment (Non-Owner Occupied)
6860228300 Single Family Investment (Non-Owner Occupied)
6860680898 Two Family Investment (Non-Owner Occupied)
6862603211 Single Family Investment (Non-Owner Occupied)
6863175458 CL Investment (Non-Owner Occupied)
6863601404 Condo Highrise Investment (Non-Owner Occupied)
6863719412 Single Family Investment (Non-Owner Occupied)
6864143901 Single Family Investment (Non-Owner Occupied)
0000000000 Two Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6866499897 Single Family Secondary (Owner Occupied)
6867014851 Single Family Investment (Non-Owner Occupied)
6867908805 CL Secondary (Owner Occupied)
6869021987 Single Family Investment (Non-Owner Occupied)
6870268221 CL Investment (Non-Owner Occupied)
6876798395 Three Family Investment (Non-Owner Occupied)
0000000000 CL Investment (Non-Owner Occupied)
6881003112 Condo Highrise Investment (Non-Owner Occupied)
6882322297 Two Family Investment (Non-Owner Occupied)
6884053718 Single Family Investment (Non-Owner Occupied)
6884137214 Single Family Investment (Non-Owner Occupied)
0000000000 PUD Detached Investment (Non-Owner Occupied)
6885490042 Two Family Investment (Non-Owner Occupied)
6885788965 Single Family Investment (Non-Owner Occupied)
6887717046 Single Family Investment (Non-Owner Occupied)
6889547235 Single Family Investment (Non-Owner Occupied)
6890188847 Four Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6893744828 Single Family Investment (Non-Owner Occupied)
6894342309 Single Family Investment (Non-Owner Occupied)
6895312863 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6896210066 Single Family Investment (Non-Owner Occupied)
6896396378 Single Family Investment (Non-Owner Occupied)
6896530133 Two Family Investment (Non-Owner Occupied)
6897976533 Single Family Investment (Non-Owner Occupied)
6901246451 Single Family Investment (Non-Owner Occupied)
6904086755 CL Investment (Non-Owner Occupied)
6908728576 Single Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6912111702 Single Family Investment (Non-Owner Occupied)
6912492136 Single Family Investment (Non-Owner Occupied)
6918092922 CL Secondary (Owner Occupied)
6918462356 Single Family Investment (Non-Owner Occupied)
6919947173 Two Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6922736803 CL Investment (Non-Owner Occupied)
6924967646 Two Family Investment (Non-Owner Occupied)
6925487180 CL Investment (Non-Owner Occupied)
6925651389 CL Investment (Non-Owner Occupied)
6925936335 Single Family Investment (Non-Owner Occupied)
6930534976 PUD Detached Investment (Non-Owner Occupied)
6931232232 CL Investment (Non-Owner Occupied)
6931376088 CL Investment (Non-Owner Occupied)
6934233401 Two Family Investment (Non-Owner Occupied)
6940987669 Single Family Investment (Non-Owner Occupied)
6944442984 CL Investment (Non-Owner Occupied)
6948297970 CL Investment (Non-Owner Occupied)
6948646432 CL Investment (Non-Owner Occupied)
6950835758 Single Family Investment (Non-Owner Occupied)
6954462567 Two Family Investment (Non-Owner Occupied)
0000000000 Single Family Investment (Non-Owner Occupied)
6957856625 Three Family Investment (Non-Owner Occupied)
6959921542 Single Family Investment (Non-Owner Occupied)
6959925477 Single Family Investment (Non-Owner Occupied)
0000000000 Two Family Investment (Non-Owner Occupied)
6964435314 CL Investment (Non-Owner Occupied)
6964619677 Single Family Investment (Non-Owner Occupied)
6966921527 CL Secondary (Owner Occupied)
6970069545 Single Family Investment (Non-Owner Occupied)
6972080334 CL Investment (Non-Owner Occupied)
6975943785 PUD Detached Investment (Non-Owner Occupied)
6979278394 PUD Detached Investment (Non-Owner Occupied)
6985011565 PUD Attached Investment (Non-Owner Occupied)
6985210050 Single Family Investment (Non-Owner Occupied)
6987705206 Single Family Investment (Non-Owner Occupied)
6989471633 Single Family Investment (Non-Owner Occupied)
6990314228 Townhouse Investment (Non-Owner Occupied)
6993799144 Condo Highrise Investment (Non-Owner Occupied)
6997990590 Single Family Investment (Non-Owner Occupied)
Loan Loan Doc Original
Number Purpose Type LTV (%)
--------------------------------------------------------------------------------
3302124296 Purchase Paper Saver 79.78
3303077436 Purchase Paper Saver 80.00
3303294593 Refinance_Equity_Takeout Standard 70.00
3303337665 Refinance_Equity_Takeout Paper Saver 55.38
3303351062 Refinance_No_Cash_Out Paper Saver 23.08
3303388528 Purchase Paper Saver 54.54
3303396158 Refinance_No_Cash_Out Standard 44.99
3303427441 Refinance_Equity_Takeout DU 69.19
3303430973 Purchase Standard 80.00
3303438968 Purchase Paper Saver 80.00
3303443034 Refinance_Equity_Takeout Paper Saver 32.11
3303447290 Purchase Paper Saver 80.00
3303450948 Purchase Paper Saver 90.00
3303452597 Refinance_No_Cash_Out Stated 69.88
3303453611 Refinance_Equity_Takeout Paper Saver 8.060
3303456911 Refinance_Equity_Takeout Standard 60.78
3303459329 Purchase Paper Saver 80.00
3303459832 Purchase Paper Saver 90.00
3303462299 Refinance_Equity_Takeout Paper Saver 68.13
3303463982 Purchase Standard 90.00
3303464584 Purchase Standard 90.00
3303476695 Refinance_No_Cash_Out Standard 12.51
3303477610 Refinance_Equity_Takeout Standard 46.59
3303485951 Purchase Paper Saver 80.00
3303487981 Refinance_Equity_Takeout Standard 60.08
3303488526 Refinance_Equity_Takeout Paper Saver 85.00
3303489466 Refinance_Equity_Takeout Paper Saver 74.19
3303489847 Refinance_Equity_Takeout Standard 66.45
3303490043 Refinance_No_Cash_Out Standard 31.12
3303492197 Refinance_Equity_Takeout Standard 24.36
3303492403 Refinance_Equity_Takeout Standard 69.99
3303494979 Refinance_Equity_Takeout Paper Saver 80.00
3303496891 Refinance_Equity_Takeout Standard 27.92
3303498251 Refinance_Equity_Takeout Paper Saver 45.98
3303500288 Refinance_Equity_Takeout Standard 68.50
3303500999 Refinance_Equity_Takeout Paper Saver 69.79
3303501815 Purchase Standard 75.00
3303503332 Refinance_Equity_Takeout Paper Saver 35.35
3303504793 Refinance_No_Cash_Out Paper Saver 32.85
3303506277 Refinance_Equity_Takeout Paper Saver 70.00
3303510386 Refinance_Equity_Takeout Paper Saver 79.26
3303514826 Purchase Paper Saver 80.00
3303515351 Purchase Paper Saver 71.94
3303517118 Purchase Standard 80.00
3303517795 Purchase Paper Saver 90.00
3303518009 Refinance_Equity_Takeout Paper Saver 74.96
3303518389 Refinance_Equity_Takeout Stated 59.70
3303518892 Purchase Standard 80.00
3303522100 Refinance_No_Cash_Out Paper Saver 74.00
3303524148 Refinance_Equity_Takeout Paper Saver 70.00
3303524197 Refinance_Equity_Takeout Paper Saver 80.00
3303525335 Refinance_Equity_Takeout Paper Saver 80.00
3303525939 Purchase Paper Saver 80.00
3303526036 Refinance_Equity_Takeout Paper Saver 80.00
3303526879 Purchase Paper Saver 77.14
3303528412 Refinance_Equity_Takeout Paper Saver 82.88
3303530327 Refinance_Equity_Takeout Paper Saver 41.86
3303531226 Purchase Standard 66.66
3303531853 Refinance_Equity_Takeout Standard 42.03
3303532646 Refinance_No_Cash_Out Paper Saver 79.95
3303534048 Purchase Paper Saver 80.00
3303535151 Purchase Paper Saver 80.00
3303535649 Refinance_Equity_Takeout Paper Saver 74.27
3303536027 Refinance_Equity_Takeout Stated 34.28
3303536332 Refinance_Equity_Takeout Stated 47.75
3303536373 Refinance_Equity_Takeout Paper Saver 55.95
3303537827 Refinance_Equity_Takeout Standard 59.52
3303537876 Refinance_No_Cash_Out Paper Saver 56.24
3303537967 Purchase Paper Saver 29.94
3303540557 Refinance_Equity_Takeout Standard 62.50
3303540862 Refinance_Equity_Takeout Paper Saver 80.00
3303541258 Refinance_No_Cash_Out Paper Saver 71.88
3303543387 Purchase Paper Saver 83.03
3303544427 Refinance_Equity_Takeout Paper Saver 74.98
3303544542 Refinance_Equity_Takeout Paper Saver 43.61
3303544708 Refinance_Equity_Takeout Paper Saver 74.68
3303545242 Refinance_Equity_Takeout Paper Saver 43.24
3303547230 Refinance_Equity_Takeout Standard 25.11
3303548378 Refinance_Equity_Takeout Paper Saver 71.42
3303548584 Purchase Paper Saver 90.00
3303548857 Purchase Standard 80.00
3303550614 Refinance_Equity_Takeout Paper Saver 80.00
3303550994 Refinance_Equity_Takeout Paper Saver 74.33
3303552438 Refinance_Equity_Takeout Paper Saver 73.92
3303552842 Purchase Paper Saver 80.00
3303553006 Purchase Standard 80.00
3303553931 Refinance_No_Cash_Out Paper Saver 84.76
3303554749 Purchase Standard 70.00
3303558385 Refinance_Equity_Takeout Standard 52.46
3303560167 Refinance_Equity_Takeout Paper Saver 16.11
3303560449 Refinance_Equity_Takeout Paper Saver 19.96
3303560761 Purchase Paper Saver 61.38
3303563617 Refinance_Equity_Takeout Paper Saver 80.00
3303563849 Refinance_Equity_Takeout Stated 55.95
3303564094 Purchase Paper Saver 20.00
3303564177 Purchase Paper Saver 80.00
3303564730 Purchase Standard 90.00
3303566255 Purchase Paper Saver 80.00
3303566826 Refinance_Equity_Takeout Paper Saver 80.00
3303568723 Purchase Paper Saver 80.00
3303570174 Purchase Paper Saver 80.00
3303570646 Refinance_Equity_Takeout Paper Saver 34.31
3303570653 Refinance_No_Cash_Out Paper Saver 28.85
3303572899 Refinance_Equity_Takeout Paper Saver 57.49
3303575744 Refinance_Equity_Takeout Paper Saver 79.80
3303578185 Purchase Paper Saver 79.94
3303580512 Refinance_Equity_Takeout Paper Saver 46.06
3303581676 Purchase Standard 87.38
3303582799 Refinance_Equity_Takeout Paper Saver 70.90
3303583763 Refinance_Equity_Takeout Paper Saver 69.18
3303584191 Purchase Paper Saver 80.00
3303584415 Refinance_Equity_Takeout Standard 68.82
3303584977 Purchase Paper Saver 80.00
3303586857 Purchase Standard 80.00
3303588119 Purchase No Ratio 80.00
3303588903 Refinance_Equity_Takeout Standard 26.66
3303589521 Refinance_Equity_Takeout Paper Saver 64.51
3303591659 Refinance_Equity_Takeout Standard 69.07
3303593341 Refinance_No_Cash_Out Standard 64.72
3303593754 Refinance_Equity_Takeout Paper Saver 72.21
3303594158 Refinance_Equity_Takeout Standard 55.04
3303594612 Purchase Standard 75.48
3303594893 Refinance_Equity_Takeout Stated 68.51
3303595767 Refinance_Equity_Takeout Paper Saver 54.24
3303595783 Purchase Standard 80.00
3303596468 Refinance_Equity_Takeout Paper Saver 36.63
3303597904 Refinance_Equity_Takeout Standard 24.24
3303598696 Purchase Paper Saver 80.00
3303599496 Refinance_Equity_Takeout Paper Saver 80.00
3303599751 Refinance_Equity_Takeout Stated 69.92
3303603348 Purchase Standard 75.60
3303605798 Purchase Standard 80.00
3303607224 Refinance_Equity_Takeout Standard 66.58
3303609543 Refinance_Equity_Takeout Paper Saver 64.81
3303612406 Purchase Paper Saver 80.00
3303612844 Refinance_Equity_Takeout Paper Saver 61.33
3303613610 Refinance_Equity_Takeout Standard 85.00
3303614303 Refinance_Equity_Takeout Standard 69.71
3303614725 Refinance_Equity_Takeout Paper Saver 50.33
3303615060 Refinance_No_Cash_Out Paper Saver 56.30
3303616142 Refinance_Equity_Takeout Paper Saver 49.66
3303618569 Purchase Paper Saver 80.00
3303620029 Refinance_Equity_Takeout Paper Saver 74.60
3303620573 Refinance_No_Cash_Out Paper Saver 72.09
3303622009 Refinance_No_Cash_Out Paper Saver 60.93
3303622603 Refinance_No_Cash_Out Paper Saver 68.88
3303623288 Purchase Paper Saver 85.00
3303624112 Refinance_Equity_Takeout Paper Saver 54.87
3303625234 Refinance_Equity_Takeout Paper Saver 14.36
3303626471 Refinance_Equity_Takeout Standard 78.03
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6830772189 Refinance_Equity_Takeout DU 79.73
6830869423 Refinance_Equity_Takeout Standard 67.30
6831585424 Purchase Wholesale SISA 75.00
6832697210 Purchase Paper Saver 80.00
6838094917 Refinance_Equity_Takeout Paper Saver 63.18
6841473066 Purchase Standard 80.00
6841731091 Purchase Standard 78.43
6842074442 Refinance_Equity_Takeout Paper Saver 69.99
6842958594 Purchase Stated 80.00
6844844420 Purchase DU 90.00
6845407870 Purchase Standard 80.00
6846746581 Purchase DU 90.00
6846883194 Purchase DU 75.00
0000000000 Refinance_Equity_Takeout Paper Saver 72.76
6848632979 Refinance_Equity_Takeout Paper Saver 78.43
6849177008 Purchase No Ratio 90.00
6849573230 Purchase Paper Saver 90.00
6851192929 Purchase Standard 78.23
6854543730 Refinance_No_Cash_Out Stated 70.33
6855556749 Purchase Paper Saver 90.00
6860228300 Purchase Paper Saver 80.00
6860680898 Refinance_No_Cash_Out Stated 52.66
6862603211 Purchase DU 70.93
6863175458 Purchase Paper Saver 90.00
6863601404 Purchase Stated 80.00
6863719412 Purchase Stated 78.96
6864143901 Refinance_Equity_Takeout Stated 70.00
0000000000 Purchase Standard 80.00
0000000000 Refinance_Equity_Takeout Paper Saver 61.97
6866499897 Purchase Standard 80.00
6867014851 Refinance_Equity_Takeout Paper Saver 51.85
6867908805 Refinance_Equity_Takeout Stated 70.00
6869021987 Refinance_Equity_Takeout Standard 37.92
6870268221 Purchase Standard 22.74
6876798395 Purchase DU 74.00
0000000000 Purchase Standard 90.00
6881003112 Purchase Standard 80.00
6882322297 Refinance_Equity_Takeout Stated 42.68
6884053718 Refinance_No_Cash_Out All Ready Home 45.31
6884137214 Purchase Paper Saver 90.00
0000000000 Refinance_Equity_Takeout Paper Saver 80.00
6885490042 Refinance_Equity_Takeout Stated 68.05
6885788965 Refinance_No_Cash_Out Paper Saver 60.08
6887717046 Refinance_Equity_Takeout Stated 70.00
6889547235 Refinance_Equity_Takeout Paper Saver 74.98
6890188847 Refinance_Equity_Takeout DU 65.00
0000000000 Purchase Standard 90.00
6893744828 Refinance_Equity_Takeout Standard 75.00
6894342309 Refinance_Equity_Takeout Stated 50.00
6895312863 Purchase DU 90.00
0000000000 Purchase Paper Saver 80.00
6896210066 Refinance_No_Cash_Out DU 81.83
6896396378 Purchase Paper Saver 90.00
6896530133 Purchase No Ratio 90.00
6897976533 Refinance_Equity_Takeout Stated 70.00
6901246451 Refinance_Equity_Takeout DU 80.00
6904086755 Refinance_Equity_Takeout Paper Saver 43.85
6908728576 Refinance_Equity_Takeout DU 79.80
0000000000 Purchase DU 80.00
6912111702 Purchase Paper Saver 80.00
6912492136 Purchase Paper Saver 80.00
6918092922 Purchase Stated 80.00
6918462356 Purchase DU 80.00
6919947173 Purchase No Ratio 79.68
0000000000 Purchase Paper Saver 80.00
6922736803 Refinance_No_Cash_Out Standard 73.68
6924967646 Refinance_Equity_Takeout Standard 72.97
6925487180 Purchase Paper Saver 75.73
6925651389 Refinance_No_Cash_Out All Ready Home 67.74
6925936335 Purchase Stated 80.00
6930534976 Purchase Paper Saver 89.99
6931232232 Purchase Paper Saver 80.00
6931376088 Purchase Stated 80.00
6934233401 Purchase No Ratio 90.00
6940987669 Refinance_No_Cash_Out Paper Saver 71.86
6944442984 Purchase Wholesale SISA 75.00
6948297970 Refinance_Equity_Takeout Standard 69.98
6948646432 Refinance_No_Cash_Out All Ready Home 66.96
6950835758 Refinance_Equity_Takeout Paper Saver 56.79
6954462567 Refinance_Equity_Takeout Stated 79.66
0000000000 Purchase Paper Saver 80.00
6957856625 Refinance_Equity_Takeout Standard 26.88
6959921542 Purchase Stated 79.99
6959925477 Refinance_No_Cash_Out Paper Saver 60.11
0000000000 Purchase Stated 80.00
6964435314 Purchase Paper Saver 90.00
6964619677 Refinance_No_Cash_Out DU 78.94
6966921527 Purchase No Ratio 74.99
6970069545 Purchase Paper Saver 90.00
6972080334 Purchase Paper Saver 90.00
6975943785 Refinance_Equity_Takeout Paper Saver 66.19
6979278394 Purchase DU 79.99
6985011565 Purchase DU 89.99
6985210050 Refinance_Equity_Takeout Paper Saver 30.48
6987705206 Refinance_No_Cash_Out Paper Saver 80.00
6989471633 Purchase DU 80.00
6990314228 Purchase Standard 80.00
6993799144 Purchase DU 80.00
6997990590 Refinance_Equity_Takeout Paper Saver 79.91
Original
Loan Mortgage Interest Principle First Payment
Number Rate (%) Balance ($) Date
--------------------------------------------------------------------------------
3302124296 6.875 153,000.00 1/1/2006
3303077436 6.75 264,000.00 1/1/2006
3303294593 6.75 112,000.00 1/1/2006
3303337665 6.625 72,000.00 12/1/2005
3303351062 6.75 39,700.00 2/1/2006
3303388528 6.625 48,000.00 2/1/2006
3303396158 6.625 85,490.00 1/1/2006
3303427441 6.75 86,490.00 1/1/2006
3303430973 6.625 72,000.00 2/1/2006
3303438968 6.875 144,000.00 1/1/2006
3303443034 6.625 144,500.00 1/1/2006
3303447290 6.75 97,600.00 1/1/2006
3303450948 7.125 70,200.00 2/1/2006
3303452597 6.625 105,524.00 1/1/2006
3303453611 6.625 59,488.00 2/1/2006
3303456911 6.875 93,000.00 2/1/2006
3303459329 6.75 120,000.00 1/1/2006
3303459832 6.75 115,200.00 1/1/2006
3303462299 6.625 181,919.00 1/1/2006
3303463982 6.75 104,184.00 2/1/2006
3303464584 6.875 99,000.00 1/1/2006
3303476695 6.75 88,353.00 1/1/2006
3303477610 6.625 59,527.00 2/1/2006
3303485951 6.875 18,800.00 2/1/2006
3303487981 6.75 72,100.00 2/1/2006
3303488526 6.625 59,500.00 1/1/2006
3303489466 7 46,000.00 2/1/2006
3303489847 6.625 103,000.00 2/1/2006
3303490043 6.875 160,000.00 1/1/2006
3303492197 6.875 177,855.00 2/1/2006
3303492403 6.625 223,500.00 1/1/2006
3303494979 7 200,000.00 1/1/2006
3303496891 6.625 233,434.00 1/1/2006
3303498251 6.75 51,500.00 2/1/2006
3303500288 7 77,000.00 2/1/2006
3303500999 6.75 77,474.00 2/1/2006
3303501815 6.625 105,000.00 1/1/2006
3303503332 6.625 175,000.00 2/1/2006
3303504793 6.75 121,000.00 1/1/2006
3303506277 6.75 101,500.00 2/1/2006
3303510386 6.875 65,000.00 1/1/2006
3303514826 6.625 264,000.00 2/1/2006
3303515351 6.625 100,000.00 1/1/2006
3303517118 6.875 69,720.00 2/1/2006
3303517795 6.625 76,500.00 1/1/2006
3303518009 6.625 116,200.00 1/1/2006
3303518389 6.75 200,000.00 2/1/2006
3303518892 6.75 74,240.00 1/1/2006
3303522100 6.75 222,000.00 1/1/2006
3303524148 6.875 161,000.00 2/1/2006
3303524197 6.875 84,000.00 2/1/2006
3303525335 6.875 52,000.00 2/1/2006
3303525939 6.75 117,600.00 1/1/2006
3303526036 6.625 71,200.00 2/1/2006
3303526879 6.75 108,000.00 1/1/2006
3303528412 7 192,698.00 2/1/2006
3303530327 6.75 90,000.00 1/1/2006
3303531226 6.75 60,000.00 2/1/2006
3303531853 6.875 354,320.00 2/1/2006
3303532646 6.75 103,945.00 2/1/2006
3303534048 6.75 90,400.00 2/1/2006
3303535151 6.75 204,800.00 2/1/2006
3303535649 6.75 77,250.00 2/1/2006
3303536027 6.75 120,000.00 2/1/2006
3303536332 6.75 133,705.33 2/1/2006
3303536373 6.75 235,000.00 2/1/2006
3303537827 6.75 225,000.00 2/1/2006
3303537876 7.125 101,233.00 2/1/2006
3303537967 6.75 50,000.00 2/1/2006
3303540557 6.75 150,000.00 2/1/2006
3303540862 6.75 68,000.00 1/1/2006
3303541258 6.75 69,010.00 2/1/2006
3303543387 6.75 137,000.00 1/1/2006
3303544427 6.75 93,730.00 2/1/2006
3303544542 6.75 295,000.00 1/1/2006
3303544708 6.75 93,730.00 2/1/2006
3303545242 6.75 84,765.00 2/1/2006
3303547230 6.75 107,999.00 1/1/2006
3303548378 6.875 75,000.00 2/1/2006
3303548584 6.75 90,000.00 1/1/2006
3303548857 6.75 149,600.00 1/1/2006
3303550614 6.75 372,000.00 2/1/2006
3303550994 6.75 223,000.00 2/1/2006
3303552438 7 110,586.00 2/1/2006
3303552842 6.75 192,000.00 1/1/2006
3303553006 7 88,000.00 2/1/2006
3303553931 7 45,775.00 2/1/2006
3303554749 7 110,600.00 1/1/2006
3303558385 7 204,618.00 2/1/2006
3303560167 6.75 84,268.00 2/1/2006
3303560449 6.75 103,595.00 2/1/2006
3303560761 6.75 220,950.00 2/1/2006
3303563617 6.875 57,600.00 1/1/2006
3303563849 6.75 235,000.00 2/1/2006
3303564094 6.75 60,000.00 2/1/2006
3303564177 6.875 204,000.00 1/1/2006
3303564730 7 76,500.00 2/1/2006
3303566255 6.875 40,000.00 2/1/2006
3303566826 6.75 244,000.00 2/1/2006
3303568723 6.875 88,000.00 2/1/2006
3303570174 6.75 184,000.00 2/1/2006
3303570646 6.75 110,000.00 2/1/2006
3303570653 6.75 110,210.00 2/1/2006
3303572899 6.75 159,265.00 2/1/2006
3303575744 6.75 44,290.00 2/1/2006
3303578185 6.875 139,500.00 2/1/2006
3303580512 6.75 72,438.87 2/1/2006
3303581676 6.75 116,442.00 2/1/2006
3303582799 6.75 132,600.00 2/1/2006
3303583763 6.625 59,500.00 2/1/2006
3303584191 6.875 110,400.00 2/1/2006
3303584415 6.75 60,564.00 2/1/2006
3303584977 6.875 48,000.00 2/1/2006
3303586857 6.625 124,000.00 2/1/2006
3303588119 6.625 60,000.00 2/1/2006
3303588903 6.75 100,000.00 2/1/2006
3303589521 6.75 200,000.00 2/1/2006
3303591659 7.125 78,057.00 2/1/2006
3303593341 6.875 95,790.00 2/1/2006
3303593754 6.625 62,827.00 2/1/2006
3303594158 6.75 300,000.00 2/1/2006
3303594612 6.75 117,000.00 2/1/2006
3303594893 6.75 346,680.00 2/1/2006
3303595767 6.75 216,992.00 2/1/2006
3303595783 6.875 172,000.00 2/1/2006
3303596468 6.875 73,267.00 2/1/2006
3303597904 7 113,708.00 2/1/2006
3303598696 6.75 82,400.00 2/1/2006
3303599496 7.125 54,800.00 2/1/2006
3303599751 6.75 172,010.00 2/1/2006
3303603348 6.875 189,000.00 2/1/2006
3303605798 6.75 220,400.00 2/1/2006
3303607224 7.125 123,900.00 2/1/2006
3303609543 6.875 70,000.00 2/1/2006
3303612406 6.625 64,000.00 2/1/2006
3303612844 6.875 138,000.00 2/1/2006
3303613610 6.75 102,000.00 2/1/2006
3303614303 6.875 56,469.00 2/1/2006
3303614725 6.625 68,958.00 2/1/2006
3303615060 6.75 176,805.00 2/1/2006
3303616142 7.125 173,812.00 2/1/2006
3303618569 7.125 44,000.00 2/1/2006
3303620029 7 58,195.00 2/1/2006
3303620573 6.875 254,500.00 2/1/2006
3303622009 6.75 93,225.00 2/1/2006
3303622603 6.75 135,009.00 2/1/2006
3303623288 6.75 55,250.00 2/1/2006
3303624112 6.75 66,950.00 2/1/2006
3303625234 6.75 125,000.00 2/1/2006
3303626471 7 77,250.00 2/1/2006
3303632628 7 76,000.00 2/1/2006
3303638369 6.75 140,000.00 2/1/2006
3303642908 7.125 90,000.00 2/1/2006
3303650109 6.875 35,740.00 2/1/2006
3303654051 6.875 85,000.00 2/1/2006
3303654358 6.625 71,746.00 2/1/2006
3303673143 6.75 216,000.00 2/1/2006
3303681799 6.75 165,000.00 2/1/2006
3303691228 6.75 66,100.00 2/1/2006
3303697340 7 111,510.00 2/1/2006
6000315579 6.625 49,600.00 1/1/2006
6001361119 6.875 24,000.00 2/1/2006
6002074497 7 199,200.00 1/1/2006
6003343446 7.375 254,400.00 2/1/2006
6006146812 7.25 149,600.00 2/1/2006
0000000000 6.875 205,000.00 2/1/2006
6008765155 6.875 172,500.00 2/1/2006
6009466787 6.75 240,800.00 2/1/2006
6011209811 6.75 33,600.00 2/1/2006
6014109000 7.125 221,000.00 2/1/2006
6014472176 7 102,600.00 2/1/2006
6015202796 6.75 43,200.00 2/1/2006
6015394361 6.75 120,000.00 1/1/2006
6015974980 6.75 325,000.00 2/1/2006
6017807469 7.125 57,600.00 2/1/2006
6019508016 6.75 72,000.00 2/1/2006
6020756166 6.875 100,000.00 2/1/2006
6022773698 6.75 103,600.00 1/1/2006
6023473413 6.75 45,000.00 1/1/2006
6024878248 6.625 130,000.00 2/1/2006
6027008918 6.75 117,450.00 2/1/2006
6029793434 6.75 52,500.00 2/1/2006
6031914101 6.875 172,000.00 2/1/2006
6032594183 7.125 384,000.00 1/1/2006
6032877240 7 103,700.00 1/1/2006
6036777776 7.25 37,800.00 2/1/2006
6036820576 6.875 47,487.00 2/1/2006
6037371843 6.875 105,732.00 1/1/2006
6037802342 6.75 356,250.00 1/1/2006
6040303775 6.625 97,600.00 1/1/2006
0000000000 6.625 300,000.00 2/1/2006
6041850584 6.75 200,000.00 1/1/2006
6044018569 6.75 79,200.00 1/1/2006
6045098776 6.625 60,000.00 1/1/2006
6046358062 6.75 228,000.00 1/1/2006
6047617599 6.75 100,000.00 1/1/2006
0000000000 7.125 45,600.00 1/1/2006
6050832804 6.875 98,000.00 2/1/2006
6051022728 6.75 219,200.00 2/1/2006
6056001933 6.875 93,600.00 1/1/2006
6059112232 6.625 49,000.00 1/1/2006
0000000000 7.125 192,000.00 2/1/2006
6063210675 6.75 96,072.00 1/1/2006
0000000000 6.625 218,400.00 1/1/2006
6066857332 6.875 59,261.00 2/1/2006
0000000000 6.625 48,750.00 1/1/2006
6071697590 6.875 77,600.00 2/1/2006
6072078063 6.75 147,500.00 1/1/2006
6073077973 7.25 45,600.00 2/1/2006
6073961093 6.75 115,500.00 2/1/2006
0000000000 6.875 147,600.00 1/1/2006
6074808277 7 316,000.00 2/1/2006
6074896710 6.625 332,500.00 2/1/2006
6076106191 6.75 123,750.00 1/1/2006
6079535008 6.75 152,000.00 1/1/2006
6080831172 7 127,200.00 1/1/2006
6081700962 6.875 34,200.00 1/1/2006
6083928413 7.625 54,600.00 1/1/2006
6087979016 6.875 111,920.00 1/1/2006
6088786865 6.75 108,000.00 2/1/2006
6091882941 6.75 172,260.00 1/1/2006
6092117255 6.875 101,600.00 2/1/2006
0000000000 6.75 65,600.00 1/1/2006
6093058763 6.625 42,000.00 2/1/2006
6098561357 6.625 154,720.00 2/1/2006
6104882086 6.875 301,441.00 1/1/2006
6105683376 7 417,000.00 2/1/2006
6106568915 7.125 238,400.00 1/1/2006
6108212991 6.75 400,000.00 2/1/2006
6109353471 6.875 151,000.00 2/1/2006
0000000000 6.75 136,000.00 1/1/2006
6113058108 7.375 79,500.00 1/1/2006
6123173988 6.875 66,000.00 2/1/2006
6124179257 7.125 235,655.00 2/1/2006
6126251195 7.125 65,660.00 2/1/2006
6131018951 6.75 45,450.00 1/1/2006
0000000000 6.75 45,000.00 1/1/2006
6134507919 6.875 219,920.00 1/1/2006
6136125371 7.125 157,500.00 1/1/2006
6138390841 6.75 63,750.00 2/1/2006
6140419752 7.5 47,250.00 2/1/2006
6141351012 6.875 132,000.00 2/1/2006
6142023198 7.125 42,000.00 1/1/2006
6142835989 6.75 160,000.00 2/1/2006
6144861140 6.875 133,560.00 1/1/2006
6145107535 6.875 47,700.00 1/1/2006
6145667686 6.75 69,200.00 1/1/2006
6148514984 6.875 198,921.00 1/1/2006
6150605712 6.75 247,000.00 2/1/2006
6151518021 6.875 155,000.00 1/1/2006
0000000000 6.75 83,920.00 2/1/2006
6159449617 6.75 96,486.25 2/1/2006
6159842233 6.75 109,600.00 2/1/2006
6161504870 6.75 85,000.00 2/1/2006
6164533504 6.75 50,000.00 2/1/2006
6176705124 7.75 55,200.00 1/1/2006
6182539954 7.125 75,000.00 1/1/2006
6183194270 6.625 114,400.00 2/1/2006
0000000000 7.125 417,000.00 2/1/2006
6187062739 6.875 96,000.00 1/1/2006
6189475483 7 138,000.00 1/1/2006
6190161809 6.75 38,500.00 2/1/2006
6190651213 6.625 96,000.00 1/1/2006
6195484339 6.75 60,000.00 1/1/2006
6197924183 6.625 156,500.00 2/1/2006
6198261544 6.75 117,250.00 1/1/2006
6199033066 6.625 110,000.00 1/1/2006
6200743299 7.25 111,200.00 2/1/2006
6203572505 6.875 53,550.00 2/1/2006
6203870859 7 417,000.00 2/1/2006
6204134206 6.75 89,417.00 1/1/2006
0000000000 6.75 84,000.00 2/1/2006
6207744464 6.875 56,500.00 2/1/2006
6208506235 6.75 28,500.00 1/1/2006
6208689551 6.75 385,000.00 2/1/2006
6210560485 6.625 340,877.30 2/1/2006
0000000000 6.75 105,000.00 2/1/2006
6212794165 6.75 172,800.00 1/1/2006
0000000000 6.875 64,000.00 1/1/2006
6215314821 6.875 191,920.00 2/1/2006
0000000000 7.125 31,500.00 2/1/2006
0000000000 6.625 260,000.00 2/1/2006
6218594056 6.875 190,500.00 1/1/2006
6219461412 6.875 159,882.00 1/1/2006
6219717417 6.625 80,704.00 1/1/2006
6220251968 7.125 205,600.00 2/1/2006
6222385780 7.125 193,596.00 1/1/2006
0000000000 7 417,000.00 2/1/2006
6229869315 6.75 63,000.00 2/1/2006
6230083393 7.125 23,625.00 2/1/2006
6231758845 6.75 260,000.00 1/1/2006
0000000000 6.875 54,000.00 2/1/2006
0000000000 7 53,100.00 1/1/2006
6240875960 6.875 302,000.00 2/1/2006
6244335433 6.625 87,200.00 1/1/2006
0000000000 6.625 55,000.00 1/1/2006
6251647431 6.875 135,000.00 2/1/2006
6253033309 7.125 92,800.00 2/1/2006
6254193961 6.625 190,000.00 1/1/2006
6255163328 6.75 47,500.00 1/1/2006
6255887793 6.75 385,000.00 2/1/2006
6256040038 6.875 150,200.00 2/1/2006
6256298529 6.875 176,000.00 2/1/2006
6258824793 6.875 96,000.00 2/1/2006
6260025744 6.75 97,600.00 2/1/2006
6260179632 6.625 380,000.00 1/1/2006
0000000000 6.625 158,988.00 1/1/2006
6262721753 6.75 142,000.00 2/1/2006
6265598638 6.75 92,000.00 2/1/2006
6266309621 7.375 97,500.00 2/1/2006
6269551070 6.75 136,000.00 2/1/2006
6272988574 6.875 104,000.00 2/1/2006
6276272769 6.75 97,400.00 1/1/2006
6276373393 7 417,000.00 2/1/2006
6278028094 6.75 51,600.00 1/1/2006
6279144965 6.75 92,480.00 2/1/2006
6280177087 6.875 225,000.00 2/1/2006
6286973562 6.875 153,850.00 1/1/2006
6288768911 6.75 62,100.00 2/1/2006
6289272905 6.75 127,000.00 2/1/2006
6289636851 6.75 33,600.00 1/1/2006
6291160437 6.625 174,560.00 2/1/2006
0000000000 6.625 240,800.00 2/1/2006
6292136253 6.75 385,000.00 2/1/2006
6293588809 6.75 85,000.00 1/1/2006
6295171182 6.75 124,000.00 2/1/2006
6296176537 6.75 129,600.00 1/1/2006
6296739136 6.75 310,000.00 2/1/2006
6297327725 6.75 85,000.00 2/1/2006
0000000000 6.875 198,000.00 1/1/2006
6299667425 6.875 179,200.00 2/1/2006
6301777105 6.625 190,580.00 2/1/2006
6301892672 6.625 62,100.00 1/1/2006
6301904089 6.75 100,000.00 2/1/2006
6303824194 6.625 110,320.00 1/1/2006
6304778365 6.75 45,000.00 1/1/2006
6306445930 6.75 550,000.00 1/1/2006
6308191011 6.875 124,720.00 1/1/2006
6310537276 6.875 72,000.00 2/1/2006
6310673543 6.75 32,850.00 1/1/2006
6313290493 6.75 48,000.00 1/1/2006
6313726546 6.625 95,000.00 1/1/2006
6315352564 6.75 147,224.00 2/1/2006
6315391778 6.625 126,750.00 1/1/2006
6315798329 6.875 51,885.00 2/1/2006
6316141354 6.875 70,200.00 2/1/2006
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Loan Maturity Original Monthly Current
Number Date Term (Months) Payment ($) Due Date
-----------------------------------------------------------------------------
3302124296 12/1/2035 360 1,005.11 2/1/2006
3303077436 12/1/2035 360 1,712.30 3/1/2006
3303294593 12/1/2030 300 773.83 2/1/2006
3303337665 11/1/2035 360 461.03 3/1/2006
3303351062 1/1/2036 360 257.50 3/1/2006
3303388528 1/1/2036 360 307.35 3/1/2006
3303396158 12/1/2035 360 547.41 3/1/2006
3303427441 12/1/2035 360 560.98 3/1/2006
3303430973 1/1/2036 360 461.03 2/1/2006
3303438968 12/1/2035 360 945.98 2/1/2006
3303443034 12/1/2035 360 925.25 3/1/2006
3303447290 12/1/2035 360 633.04 2/1/2006
3303450948 1/1/2036 360 472.96 3/1/2006
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6990314228 12/1/2035 360 660.81 3/1/2006
6993799144 12/1/2035 360 1,786.85 3/1/2006
6997990590 1/1/2036 360 719.95 2/1/2006
Loan Maturity Original Monthly Current
Number Date Term (Months) Payment ($) Due Date
--------------------------------------------------------------------------------
3302124296 12/1/2035 360 1,005.11 2/1/2006
3303077436 12/1/2035 360 1,712.30 3/1/2006
3303294593 12/1/2030 300 773.83 2/1/2006
3303337665 11/1/2035 360 461.03 3/1/2006
3303351062 1/1/2036 360 257.50 3/1/2006
3303388528 1/1/2036 360 307.35 3/1/2006
3303396158 12/1/2035 360 547.41 3/1/2006
3303427441 12/1/2035 360 560.98 3/1/2006
3303430973 1/1/2036 360 461.03 2/1/2006
3303438968 12/1/2035 360 945.98 2/1/2006
3303443034 12/1/2035 360 925.25 3/1/2006
3303447290 12/1/2035 360 633.04 2/1/2006
3303450948 1/1/2036 360 472.96 3/1/2006
3303452597 12/1/2035 360 675.69 3/1/2006
3303453611 1/1/2036 360 380.91 2/1/2006
3303456911 1/1/2036 360 610.95 3/1/2006
3303459329 12/1/2035 360 778.32 3/1/2006
3303459832 12/1/2035 360 747.19 3/1/2006
3303462299 12/1/2035 360 1,164.85 2/1/2006
3303463982 1/1/2036 360 675.74 3/1/2006
3303464584 12/1/2035 360 650.36 3/1/2006
3303476695 12/1/2035 360 573.06 3/1/2006
3303477610 1/1/2036 360 381.16 3/1/2006
3303485951 1/1/2036 360 123.51 3/1/2006
3303487981 1/1/2036 360 467.64 2/1/2006
3303488526 12/1/2035 360 380.99 3/1/2006
3303489466 1/1/2036 360 306.04 3/1/2006
3303489847 1/1/2036 360 659.53 2/1/2006
3303490043 12/1/2035 360 1,051.09 2/1/2006
3303492197 1/1/2036 360 1,168.39 3/1/2006
3303492403 12/1/2035 360 1,431.10 2/1/2006
3303494979 12/1/2035 360 1,330.61 2/1/2006
3303496891 12/1/2035 360 1,494.71 3/1/2006
3303498251 1/1/2036 360 334.03 3/1/2006
3303500288 1/1/2036 360 512.29 3/1/2006
3303500999 1/1/2036 360 502.50 3/1/2006
3303501815 12/1/2035 360 672.33 2/1/2006
3303503332 1/1/2036 360 1,120.55 2/1/2006
3303504793 12/1/2035 360 784.81 4/1/2006
3303506277 1/1/2036 360 658.33 3/1/2006
3303510386 12/1/2030 300 454.24 3/1/2006
3303514826 1/1/2036 360 1,690.43 3/1/2006
3303515351 12/1/2035 360 640.32 3/1/2006
3303517118 1/1/2036 360 458.02 3/1/2006
3303517795 12/1/2035 360 489.84 3/1/2006
3303518009 12/1/2035 360 744.05 2/1/2006
3303518389 1/1/2036 360 1,297.20 3/1/2006
3303518892 12/1/2035 360 481.52 3/1/2006
3303522100 12/1/2035 360 1,439.89 2/1/2006
3303524148 1/1/2036 360 1,057.66 3/1/2006
3303524197 1/1/2036 360 551.83 3/1/2006
3303525335 1/1/2036 360 341.61 3/1/2006
3303525939 12/1/2035 360 762.76 2/1/2006
3303526036 1/1/2036 360 455.91 3/1/2006
3303526879 12/1/2035 360 700.49 3/1/2006
3303528412 1/1/2036 360 1,282.03 2/1/2006
3303530327 12/1/2035 360 583.74 2/1/2006
3303531226 1/1/2036 360 389.16 3/1/2006
3303531853 1/1/2036 360 2,327.64 2/1/2006
3303532646 1/1/2036 360 674.19 2/1/2006
3303534048 1/1/2031 300 624.59 3/1/2006
3303535151 1/1/2036 360 1,328.33 2/1/2006
3303535649 1/1/2036 360 501.05 2/1/2006
3303536027 1/1/2036 360 778.32 2/1/2006
3303536332 1/1/2026 240 1,016.65 2/1/2006
3303536373 1/1/2036 360 1,524.21 2/1/2006
3303537827 1/1/2036 360 1,459.35 2/1/2006
3303537876 1/1/2036 360 682.03 3/1/2006
3303537967 1/1/2036 360 324.30 3/1/2006
3303540557 1/1/2036 360 972.90 3/1/2006
3303540862 12/1/2035 360 441.05 3/1/2006
3303541258 1/1/2036 360 447.60 2/1/2006
3303543387 12/1/2035 360 888.58 2/1/2006
3303544427 1/1/2036 360 607.94 3/1/2006
3303544542 12/1/2035 360 1,913.37 2/1/2006
3303544708 1/1/2036 360 607.94 3/1/2006
3303545242 1/1/2036 360 549.79 4/1/2006
3303547230 12/1/2035 360 700.48 3/1/2006
3303548378 1/1/2036 360 492.70 2/1/2006
3303548584 12/1/2035 360 583.74 3/1/2006
3303548857 12/1/2035 360 970.31 3/1/2006
3303550614 1/1/2036 360 2,412.79 2/1/2006
3303550994 1/1/2036 360 1,446.38 3/1/2006
3303552438 1/1/2036 360 735.74 3/1/2006
3303552842 12/1/2035 360 1,245.31 3/1/2006
3303553006 1/1/2036 360 585.47 3/1/2006
3303553931 1/1/2036 360 304.55 2/1/2006
3303554749 12/1/2035 360 735.83 2/1/2006
3303558385 1/1/2036 360 1,361.33 3/1/2006
3303560167 1/1/2031 300 582.22 3/1/2006
3303560449 1/1/2036 360 671.92 2/1/2006
3303560761 1/1/2036 360 1,433.08 2/1/2006
3303563617 12/1/2035 360 378.40 3/1/2006
3303563849 1/1/2036 360 1,524.21 2/1/2006
3303564094 1/1/2036 360 389.16 3/1/2006
3303564177 12/1/2035 360 1,340.14 3/1/2006
3303564730 1/1/2036 360 508.96 3/1/2006
3303566255 1/1/2036 360 262.78 3/1/2006
3303566826 1/1/2036 360 1,582.58 3/1/2006
3303568723 1/1/2036 360 578.10 3/1/2006
3303570174 1/1/2036 360 1,193.43 3/1/2006
3303570646 1/1/2036 360 713.46 3/1/2006
3303570653 1/1/2036 360 714.83 2/1/2006
3303572899 1/1/2036 360 1,032.99 2/1/2006
3303575744 1/1/2036 360 287.27 3/1/2006
3303578185 1/1/2036 360 916.42 2/1/2006
3303580512 1/1/2031 300 500.49 3/1/2006
3303581676 1/1/2036 360 755.25 2/1/2006
3303582799 1/1/2036 360 860.05 3/1/2006
3303583763 1/1/2036 360 380.99 3/1/2006
3303584191 1/1/2036 360 725.25 3/1/2006
3303584415 1/1/2036 360 392.82 3/1/2006
3303584977 1/1/2036 360 315.33 3/1/2006
3303586857 1/1/2036 360 793.99 2/1/2006
3303588119 1/1/2036 360 384.19 2/1/2006
3303588903 1/1/2036 360 648.60 3/1/2006
3303589521 1/1/2036 360 1,297.20 2/1/2006
3303591659 1/1/2036 360 525.89 2/1/2006
3303593341 1/1/2036 360 629.28 3/1/2006
3303593754 1/1/2036 360 402.29 3/1/2006
3303594158 1/1/2036 360 1,945.80 3/1/2006
3303594612 1/1/2036 360 758.86 3/1/2006
3303594893 1/1/2036 360 2,248.56 2/1/2006
3303595767 1/1/2036 360 1,407.41 2/1/2006
3303595783 1/1/2036 360 1,129.92 4/1/2006
3303596468 1/1/2036 360 481.32 3/1/2006
3303597904 1/1/2036 360 756.51 3/1/2006
3303598696 1/1/2036 360 534.45 3/1/2006
3303599496 1/1/2036 360 369.20 2/1/2006
3303599751 1/1/2036 360 1,115.66 2/1/2006
3303603348 1/1/2036 360 1,241.60 3/1/2006
3303605798 1/1/2036 360 1,429.52 2/1/2006
3303607224 1/1/2036 360 834.74 3/1/2006
3303609543 1/1/2036 360 459.86 2/1/2006
3303612406 1/1/2036 360 409.80 3/1/2006
3303612844 1/1/2036 360 906.57 3/1/2006
3303613610 1/1/2036 360 661.58 2/1/2006
3303614303 1/1/2036 360 370.97 3/1/2006
3303614725 1/1/2036 360 441.55 3/1/2006
3303615060 1/1/2036 360 1,146.76 3/1/2006
3303616142 1/1/2036 360 1,171.01 2/1/2006
3303618569 1/1/2036 360 296.44 2/1/2006
3303620029 1/1/2036 360 387.18 2/1/2006
3303620573 1/1/2036 360 1,671.89 2/1/2006
3303622009 1/1/2036 360 604.66 2/1/2006
3303622603 1/1/2036 360 875.67 3/1/2006
3303623288 1/1/2036 360 358.36 2/1/2006
3303624112 1/1/2036 360 434.24 3/1/2006
3303625234 1/1/2036 360 810.75 3/1/2006
3303626471 1/1/2031 300 545.99 2/1/2006
3303632628 1/1/2036 360 505.63 3/1/2006
3303638369 1/1/2036 360 908.04 3/1/2006
3303642908 1/1/2036 360 606.35 3/1/2006
3303650109 1/1/2036 360 234.79 3/1/2006
3303654051 1/1/2036 360 558.39 3/1/2006
3303654358 1/1/2036 360 459.40 3/1/2006
3303673143 1/1/2036 360 1,400.98 2/1/2006
3303681799 1/1/2036 360 1,070.19 2/1/2006
3303691228 1/1/2036 360 428.73 2/1/2006
3303697340 1/1/2036 360 741.88 2/1/2006
6000315579 12/1/2035 360 317.60 2/1/2006
6001361119 1/1/2036 360 157.67 2/1/2006
6002074497 12/1/2035 360 1,325.29 3/1/2006
6003343446 1/1/2036 360 1,757.08 2/1/2006
6006146812 1/1/2036 360 1,020.54 3/1/2006
0000000000 1/1/2036 360 1,346.71 3/1/2006
6008765155 1/1/2036 360 1,133.21 4/1/2006
6009466787 1/1/2036 360 1,561.83 3/1/2006
6011209811 1/1/2036 360 217.93 2/1/2006
6014109000 1/1/2036 360 1,488.92 3/1/2006
6014472176 1/1/2036 360 682.61 3/1/2006
6015202796 1/1/2036 360 280.20 3/1/2006
6015394361 12/1/2035 360 778.32 2/1/2006
6015974980 1/1/2036 360 2,107.95 2/1/2006
6017807469 1/1/2036 360 388.07 2/1/2006
6019508016 1/1/2036 360 467.00 2/1/2006
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6022773698 12/1/2035 360 671.95 2/1/2006
6023473413 12/1/2035 360 291.87 2/1/2006
6024878248 1/1/2036 360 832.41 3/1/2006
6027008918 1/1/2036 360 761.78 2/1/2006
6029793434 1/1/2036 360 340.52 2/1/2006
6031914101 1/1/2036 360 1,129.92 3/1/2006
6032594183 12/1/2035 360 2,587.08 3/1/2006
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6036777776 1/1/2036 360 257.87 2/1/2006
6036820576 1/1/2036 360 311.96 3/1/2006
6037371843 12/1/2035 360 694.59 3/1/2006
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6041850584 12/1/2035 360 1,297.20 3/1/2006
6044018569 12/1/2035 360 513.69 3/1/2006
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6046358062 12/1/2035 360 1,478.81 2/1/2006
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6051022728 1/1/2036 360 1,421.73 3/1/2006
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6059112232 12/1/2035 360 313.76 3/1/2006
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6063210675 12/1/2028 276 686.36 2/1/2006
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6076106191 12/1/2035 360 802.65 2/1/2006
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6081700962 12/1/2035 360 224.67 3/1/2006
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6087979016 12/1/2035 360 735.24 2/1/2006
6088786865 1/1/2036 360 700.49 3/1/2006
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6140419752 1/1/2036 360 330.38 2/1/2006
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6931376088 12/1/2035 360 814.07 3/1/2006
6934233401 1/1/2036 360 401.76 2/1/2006
6940987669 12/1/2035 360 1,225.86 3/1/2006
6944442984 1/1/2036 360 2,091.73 2/1/2006
6948297970 1/1/2036 360 349.43 3/1/2006
6948646432 12/1/2035 360 955.47 2/1/2006
6950835758 1/1/2036 360 1,452.86 3/1/2006
6954462567 1/1/2036 360 2,454.30 3/1/2006
6956687542 12/1/2035 360 717.15 2/1/2006
6957856625 1/1/2036 360 924.26 3/1/2006
6959921542 12/1/2035 360 1,621.89 3/1/2006
6959925477 1/1/2036 360 461.94 3/1/2006
6961682405 11/1/2035 360 2,259.84 2/1/2006
6964435314 12/1/2035 360 194.61 3/1/2006
6964619677 1/1/2036 360 492.70 3/1/2006
6966921527 1/1/2036 360 915.46 3/1/2006
6970069545 1/1/2036 360 390.53 3/1/2006
6972080334 12/1/2035 360 194.61 3/1/2006
6975943785 1/1/2036 360 2,809.41 3/1/2006
6979278394 1/1/2036 360 1,001.76 3/1/2006
6985011565 12/1/2035 360 542.92 2/1/2006
6985210050 12/1/2035 360 1,377.95 3/1/2006
6987705206 1/1/2036 360 228.31 3/1/2006
6989471633 12/1/2035 360 596.72 3/1/2006
6990314228 12/1/2035 360 660.81 3/1/2006
6993799144 12/1/2035 360 1,786.85 3/1/2006
6997990590 1/1/2036 360 719.95 2/1/2006
Loan Closing Remaining Scheduled
Number Date Term (Months) Principal Balance ($) FICO
--------------------------------------------------------------------------------
3302124296 11/23/2005 358 152,871.45 683
3303077436 11/28/2005 358 263,772.70 700
3303294593 11/30/2005 298 111,856.17 688
3303337665 10/28/2005 357 71,872.59 651
3303351062 12/21/2005 359 39,700.00 671
3303388528 12/12/2005 359 48,000.00 769
3303396158 11/23/2005 358 85,414.57 719
3303427441 12/1/2005 358 86,415.53 638
3303430973 12/12/2005 359 72,000.00 638
3303438968 11/18/2005 358 143,879.02 631
3303443034 11/21/2005 358 144,372.51 764
3303447290 12/1/2005 358 97,515.96 796
3303450948 12/15/2005 359 70,200.00 704
3303452597 11/30/2005 358 105,430.89 766
3303453611 12/9/2005 359 59,488.00 787
3303456911 12/7/2005 359 93,000.00 672
3303459329 11/29/2005 358 119,896.68 727
3303459832 11/18/2005 358 115,100.81 697
3303462299 11/25/2005 358 181,758.49 697
3303463982 12/14/2005 359 104,184.00 766
3303464584 11/30/2005 358 98,916.83 753
3303476695 12/1/2005 358 88,276.93 664
3303477610 12/13/2005 359 59,527.00 789
3303485951 12/15/2005 359 18,800.00 748
3303487981 12/16/2005 359 72,100.00 661
3303488526 11/25/2005 358 59,447.50 759
3303489466 12/8/2005 359 46,000.00 704
3303489847 12/16/2005 359 103,000.00 661
3303490043 11/25/2005 358 159,865.58 646
3303492197 12/15/2005 359 177,855.00 684
3303492403 11/23/2005 358 223,300.59 671
3303494979 11/23/2005 358 199,836.06 625
3303496891 12/1/2005 358 233,228.04 664
3303498251 12/6/2005 359 51,500.00 771
3303500288 12/7/2005 359 77,000.00 700
3303500999 12/20/2005 359 77,474.00 701
3303501815 11/29/2005 358 104,907.36 693
3303503332 12/12/2005 359 174,997.00 723
3303504793 11/25/2005 358 120,895.82 765
3303506277 12/19/2005 359 101,500.00 710
3303510386 11/22/2005 298 64,918.16 707
3303514826 12/2/2005 359 264,000.00 669
3303515351 11/29/2005 358 99,911.76 681
3303517118 12/16/2005 359 69,720.00 692
3303517795 11/30/2005 358 76,432.50 784
3303518009 11/28/2005 358 116,077.74 743
3303518389 12/21/2005 359 200,000.00 721
3303518892 12/1/2005 358 74,176.08 779
3303522100 11/23/2005 358 221,808.86 658
3303524148 12/14/2005 359 161,000.00 680
3303524197 12/12/2005 359 84,000.00 622
3303525335 12/15/2005 359 52,000.00 727
3303525939 12/1/2005 358 117,498.74 788
3303526036 12/12/2005 359 71,196.00 711
3303526879 12/1/2005 358 107,907.01 789
3303528412 12/20/2005 359 192,698.00 682
3303530327 11/30/2005 358 89,922.51 801
3303531226 12/15/2005 359 60,000.00 698
3303531853 12/5/2005 359 354,320.00 704
3303532646 12/15/2005 359 103,945.00 703
3303534048 12/16/2005 299 90,400.00 770
3303535151 12/5/2005 359 204,800.00 769
3303535649 12/6/2005 359 77,250.00 768
3303536027 12/7/2005 359 120,000.00 785
3303536332 12/9/2005 239 133,705.33 750
3303536373 12/2/2005 359 234,991.00 748
3303537827 12/6/2005 359 225,000.00 688
3303537876 12/16/2005 359 101,233.00 707
3303537967 12/2/2005 359 50,000.00 776
3303540557 12/21/2005 359 149,993.00 778
3303540862 11/30/2005 358 67,941.45 651
3303541258 12/9/2005 359 69,010.00 726
3303543387 11/30/2005 358 136,882.05 753
3303544427 12/2/2005 359 93,730.00 673
3303544542 11/30/2005 358 294,746.01 725
3303544708 12/2/2005 359 93,730.00 673
3303545242 12/3/2005 359 84,765.00 741
3303547230 11/30/2005 358 107,903.00 756
3303548378 12/8/2005 359 75,000.00 754
3303548584 11/21/2005 358 89,922.51 809
3303548857 11/30/2005 358 149,416.53 767
3303550614 12/12/2005 359 371,968.00 649
3303550994 12/6/2005 359 223,000.00 779
3303552438 12/6/2005 359 110,586.00 741
3303552842 11/28/2005 358 191,834.69 628
3303553006 12/13/2005 359 88,000.00 657
3303553931 12/6/2005 359 45,773.50 685
3303554749 11/29/2005 358 110,509.34 659
3303558385 12/7/2005 359 204,618.00 724
3303560167 12/8/2005 299 84,268.00 791
3303560449 12/6/2005 359 103,595.00 777
3303560761 12/16/2005 359 220,950.00 804
3303563617 11/30/2005 358 57,551.60 753
3303563849 12/5/2005 359 234,995.00 771
3303564094 12/8/2005 359 60,000.00 741
3303564177 11/29/2005 358 203,828.61 704
3303564730 12/2/2005 359 76,500.00 785
3303566255 12/9/2005 359 40,000.00 794
3303566826 12/8/2005 359 244,000.00 741
3303568723 12/6/2005 359 88,000.00 791
3303570174 12/19/2005 359 184,000.00 812
3303570646 12/6/2005 359 110,000.00 758
3303570653 12/9/2005 359 110,210.00 802
3303572899 12/7/2005 359 159,265.00 777
3303575744 12/19/2005 359 44,290.00 792
3303578185 12/8/2005 359 139,500.00 784
3303580512 12/19/2005 299 72,438.87 708
3303581676 12/9/2005 359 116,442.00 735
3303582799 12/13/2005 359 132,600.00 716
3303583763 12/8/2005 359 59,500.00 697
3303584191 12/13/2005 359 110,400.00 693
3303584415 12/19/2005 359 60,564.00 697
3303584977 12/22/2005 359 48,000.00 623
3303586857 12/8/2005 359 124,000.00 775
3303588119 12/8/2005 359 60,000.00 798
3303588903 12/9/2005 359 100,000.00 705
3303589521 12/19/2005 359 200,000.00 782
3303591659 12/16/2005 359 78,057.00 721
3303593341 12/20/2005 359 95,787.00 735
3303593754 12/8/2005 359 62,827.00 697
3303594158 12/16/2005 359 299,982.00 717
3303594612 12/15/2005 359 117,000.00 694
3303594893 12/12/2005 359 346,680.00 732
3303595767 12/8/2005 359 216,986.00 772
3303595783 12/9/2005 359 172,000.00 702
3303596468 12/16/2005 359 73,267.00 733
3303597904 12/14/2005 359 113,706.00 740
3303598696 12/9/2005 359 82,400.00 793
3303599496 12/23/2005 359 54,800.00 695
3303599751 12/13/2005 359 172,010.00 682
3303603348 12/15/2005 359 189,000.00 804
3303605798 12/20/2005 359 220,400.00 645
3303607224 12/9/2005 359 123,900.00 671
3303609543 12/23/2005 359 70,000.00 694
3303612406 12/20/2005 359 64,000.00 793
3303612844 12/19/2005 359 138,000.00 633
3303613610 12/23/2005 359 102,000.00 744
3303614303 12/19/2005 359 56,469.00 711
3303614725 12/16/2005 359 68,958.50 698
3303615060 12/20/2005 359 176,805.00 726
3303616142 12/21/2005 359 173,812.00 680
3303618569 12/8/2005 359 44,000.00 641
3303620029 12/21/2005 359 58,195.00 715
3303620573 12/15/2005 359 254,495.00 775
3303622009 12/21/2005 359 93,225.00 721
3303622603 12/22/2005 359 135,009.00 697
3303623288 12/27/2005 359 55,250.00 720
3303624112 12/19/2005 359 66,933.00 796
3303625234 12/19/2005 359 125,000.00 748
3303626471 12/22/2005 299 77,250.00 757
3303632628 12/15/2005 359 76,000.00 745
3303638369 12/21/2005 359 140,000.00 806
3303642908 12/15/2005 359 89,997.00 702
3303650109 12/14/2005 359 35,740.00 766
3303654051 12/23/2005 359 85,000.00 743
3303654358 12/20/2005 359 71,746.00 641
3303673143 12/23/2005 359 216,000.00 778
3303681799 12/23/2005 359 164,990.00 708
3303691228 12/20/2005 359 66,097.00 790
3303697340 12/20/2005 359 111,510.00 738
6000315579 11/18/2005 358 49,556.23 775
6001361119 12/12/2005 359 24,000.00 694
6002074497 12/1/2005 358 199,036.71 792
6003343446 12/14/2005 359 254,400.00 733
6006146812 12/16/2005 359 149,600.00 746
6007655555 12/6/2005 359 205,000.00 808
6008765155 12/9/2005 359 172,500.00 760
6009466787 12/8/2005 359 240,800.00 741
6011209811 12/16/2005 359 33,600.00 723
6014109000 12/16/2005 359 221,000.00 807
6014472176 12/16/2005 359 102,600.00 685
6015202796 12/19/2005 359 43,200.00 676
6015394361 12/2/2005 358 119,896.68 649
6015974980 12/15/2005 359 325,000.00 761
6017807469 12/15/2005 359 57,600.00 644
6019508016 12/8/2005 359 72,000.00 672
6020756166 12/15/2005 359 100,000.00 746
6022773698 11/23/2005 358 103,510.80 702
6023473413 12/1/2005 358 44,961.26 623
6024878248 12/8/2005 359 130,000.00 695
6027008918 12/9/2005 359 117,450.00 758
6029793434 12/16/2005 359 52,500.00 799
6031914101 12/2/2005 359 172,000.00 761
6032594183 11/29/2005 358 383,692.92 794
6032877240 11/23/2005 358 103,615.00 753
6036777776 12/8/2005 359 37,800.00 755
6036820576 12/21/2005 359 47,487.00 628
6037371843 11/29/2005 358 105,643.17 748
6037802342 12/1/2005 358 355,943.27 812
6040303775 12/13/2005 358 97,513.88 678
6041229458 12/22/2005 359 300,000.00 754
6041850584 11/30/2005 358 199,827.80 802
6044018569 11/29/2005 358 79,131.81 773
6045098776 11/10/2005 358 59,947.06 653
6046358062 11/16/2005 358 227,803.69 694
6047617599 11/30/2005 358 99,913.90 736
6048519133 11/28/2005 358 45,563.53 633
6050832804 12/8/2005 359 98,000.00 611
6051022728 12/23/2005 359 219,200.00 782
6056001933 11/7/2005 358 93,521.36 744
6059112232 11/18/2005 358 48,956.76 689
6062050759 12/2/2005 359 192,000.00 682
6063210675 12/1/2005 274 95,926.05 776
6065899186 11/28/2005 358 218,207.31 717
6066857332 12/8/2005 359 59,261.00 710
6070135881 11/22/2005 358 48,706.98 792
6071697590 12/12/2005 359 77,600.00 741
6072078063 11/18/2005 358 147,373.00 730
6073077973 12/9/2005 359 45,600.00 752
6073961093 12/14/2005 360 115,500.00 691
6074074763 11/29/2005 358 147,476.00 803
6074808277 12/14/2005 359 316,000.00 663
6074896710 12/12/2005 359 332,500.00 793
6076106191 11/30/2005 358 123,643.44 712
6079535008 12/1/2005 358 151,869.13 647
6080831172 11/16/2005 358 127,095.73 684
6081700962 11/23/2005 358 34,171.27 703
6083928413 11/22/2005 358 54,560.48 739
6087979016 11/28/2005 358 111,825.97 744
6088786865 12/15/2005 359 108,000.00 772
6091882941 11/21/2005 358 172,111.68 775
6092117255 12/16/2005 359 101,600.00 736
6092379228 11/17/2005 358 65,543.30 758
6093058763 12/6/2005 359 42,000.00 778
6098561357 12/8/2005 359 154,720.00 765
6104882086 11/29/2005 358 301,187.75 714
6105683376 12/19/2005 359 417,000.00 724
6106568915 11/29/2005 358 238,209.35 738
6108212991 12/15/2005 359 400,000.00 670
6109353471 12/13/2005 359 151,000.00 706
6110184055 11/29/2005 359 135,882.90 757
6113058108 11/15/2005 358 79,439.50 747
6123173988 12/19/2005 359 66,000.00 664
6124179257 12/12/2005 359 235,655.00 0
6126251195 12/6/2005 359 65,560.00 789
6131018951 11/18/2005 358 45,385.49 692
6131416486 12/1/2005 358 44,961.26 623
6134507919 11/28/2005 358 219,735.24 741
6136125371 11/18/2005 358 157,374.05 764
6138390841 12/15/2005 359 63,750.00 799
6140419752 12/15/2005 359 47,250.00 709
6141351012 12/15/2005 359 132,000.00 756
6142023198 11/23/2005 358 41,966.41 681
6142835989 12/9/2005 359 160,000.00 626
6144861140 11/4/2005 358 133,447.79 759
6145107535 11/28/2005 358 47,659.92 817
6145667686 11/29/2005 358 69,140.42 740
6148514984 11/10/2005 358 198,753.88 701
6150605712 12/13/2005 359 247,000.00 757
6151518021 11/18/2005 358 154,869.78 755
6154421389 12/14/2005 359 83,920.00 745
6159449617 12/2/2005 359 96,486.25 756
6159842233 12/8/2005 359 109,600.00 767
6161504870 12/19/2005 359 85,000.00 786
6164533504 12/7/2005 359 50,000.00 790
6176705124 11/21/2005 358 55,161.04 742
6182539954 11/30/2005 358 74,940.02 647
6183194270 12/12/2005 359 114,400.00 728
6184139886 12/16/2005 359 417,000.00 713
6187062739 11/28/2005 358 95,919.34 757
6189475483 11/17/2005 358 137,886.88 788
6190161809 12/27/2005 359 38,500.00 636
6190651213 11/22/2005 358 95,915.30 772
6195484339 11/30/2005 358 59,948.34 675
6197924183 12/20/2005 359 156,500.00 781
6198261544 11/18/2005 358 117,149.04 720
6199033066 11/22/2005 358 109,902.94 665
6200743299 12/9/2005 359 111,200.00 709
6203572505 12/6/2005 359 53,550.00 723
6203870859 12/20/2005 359 417,000.00 724
6204134206 12/1/2005 358 89,239.45 717
6207722973 12/2/2005 359 84,000.00 794
6207744464 12/9/2005 359 56,500.00 768
6208506235 11/29/2005 358 28,475.45 692
6208689551 12/19/2005 359 385,000.00 675
6210560485 12/12/2005 359 340,877.30 781
6212152802 12/19/2005 359 105,000.00 781
6212794165 11/30/2005 358 172,651.22 738
6212924457 11/22/2005 358 63,946.23 639
6215314821 12/16/2005 359 191,920.00 674
6215332658 12/22/2005 359 31,500.00 806
6215479616 12/21/2005 359 260,000.00 791
6218594056 11/16/2005 359 190,339.96 816
6219461412 11/23/2005 358 159,747.67 766
6219717417 11/29/2005 358 80,632.79 754
6220251968 12/7/2005 359 205,600.00 681
6222385780 11/23/2005 358 193,441.18 710
6227005037 12/19/2005 359 417,000.00 724
6229869315 12/14/2005 359 63,000.00 691
6230083393 12/22/2005 359 23,625.00 730
6231758845 12/2/2005 358 259,776.14 634
6235010656 12/16/2005 359 54,000.00 724
6236772932 11/23/2005 358 53,056.47 720
6240875960 12/13/2005 359 302,000.00 644
6244335433 12/1/2005 358 87,123.06 700
6248234434 11/22/2005 358 54,951.47 746
6251647431 12/2/2005 359 135,000.00 663
6253033309 12/5/2005 359 92,800.00 757
6254193961 11/29/2005 358 189,832.36 771
6255163328 11/22/2005 358 47,459.10 737
6255887793 12/15/2005 359 385,000.00 766
6256040038 12/13/2005 359 150,200.00 706
6256298529 12/12/2005 359 176,000.00 788
6258824793 12/9/2005 359 96,000.00 684
6260025744 12/9/2005 359 97,600.00 814
6260179632 11/22/2005 358 379,664.73 794
6260833733 12/5/2005 358 158,847.73 708
6262721753 12/9/2005 359 142,000.00 692
6265598638 12/12/2005 359 92,000.00 689
6266309621 12/20/2005 239 97,500.00 782
6269551070 12/13/2005 359 136,000.00 744
6272988574 12/5/2005 359 104,000.00 736
6276272769 11/29/2005 358 97,316.14 748
6276373393 12/16/2005 359 417,000.00 724
6278028094 11/18/2005 358 51,555.57 757
6279144965 12/14/2005 359 92,480.00 783
6280177087 12/23/2005 359 225,000.00 811
6286973562 11/10/2005 358 153,701.98 737
6288768911 12/15/2005 359 62,100.00 711
6289272905 12/14/2005 359 127,000.00 681
6289636851 11/18/2005 358 33,571.07 706
6291160437 12/19/2005 359 174,560.00 797
6291666359 12/23/2005 359 240,800.00 764
6292136253 12/7/2005 359 385,000.00 798
6293588809 11/30/2005 358 84,926.82 798
6295171182 12/22/2005 359 124,000.00 650
6296176537 11/30/2005 358 129,488.41 771
6296739136 12/15/2005 359 310,000.00 692
6297327725 12/8/2005 359 85,000.00 700
6299553294 11/14/2005 358 197,833.66 802
6299667425 12/9/2005 359 179,200.00 713
6301777105 12/12/2005 359 190,580.00 689
6301892672 11/28/2005 358 62,045.20 753
6301904089 12/15/2005 359 100,000.00 774
6303824194 12/1/2005 358 110,222.66 752
6304778365 12/5/2005 358 44,960.08 659
6306445930 12/1/2005 358 549,526.46 752
6308191011 11/17/2005 358 124,615.21 764
6310537276 12/21/2005 359 72,000.00 660
6310673543 11/30/2005 358 32,821.71 700
6313290493 12/1/2005 358 47,933.34 737
6313726546 11/29/2005 358 94,916.18 729
6315352564 12/5/2005 359 147,224.00 706
6315391778 11/7/2005 358 126,638.17 762
6315798329 12/16/2005 359 51,885.00 774
6316141354 12/16/2005 359 70,200.00 705
6316524120 12/2/2005 358 171,851.91 649
6318551246 12/13/2005 359 97,600.00 678
6318677892 11/29/2005 358 37,467.71 692
6319903438 12/2/2005 358 51,156.98 679
6321220003 11/16/2005 358 93,519.41 764
6321693506 12/21/2005 359 177,000.00 703
6322051308 12/13/2005 359 193,000.00 685
6322887537 11/30/2005 358 268,473.65 796
6323175833 12/21/2005 359 94,400.00 799
6324698734 12/1/2005 358 100,336.63 775
6327070162 12/9/2005 359 88,000.00 766
6332092227 12/16/2005 359 353,500.00 688
6332129144 12/20/2005 359 80,000.00 654
6338533596 12/15/2005 359 59,200.00 746
6339531094 12/23/2005 359 135,000.00 737
6340108023 11/29/2005 358 300,734.43 750
6342620421 12/5/2005 359 66,500.00 684
6344842676 11/9/2005 358 153,885.70 707
6345096694 12/7/2005 359 72,000.00 810
6345191446 11/30/2005 358 134,880.89 715
6354889062 11/30/2005 358 187,289.61 677
6360240292 12/1/2005 358 27,335.12 730
6361374504 11/21/2005 358 187,838.13 774
6361676676 11/29/2005 358 39,966.39 692
6362628940 11/30/2005 358 110,304.94 723
6364665213 12/12/2005 359 82,000.00 780
6366353008 12/16/2005 359 116,910.00 754
6370566058 12/16/2005 359 220,000.00 762
6370901685 12/2/2005 359 79,200.00 709
6371804649 12/19/2005 359 27,200.00 689
6371912780 12/15/2005 359 94,000.00 795
6373960175 12/20/2005 359 98,400.00 739
6375500326 11/25/2005 358 120,895.82 690
6378896028 12/15/2005 359 71,200.00 678
6379677179 12/14/2005 359 136,000.00 742
6382792379 12/7/2005 359 139,455.00 753
6386434291 11/22/2005 358 143,339.47 759
6386770181 12/5/2005 358 221,804.13 712
6386971417 12/1/2005 358 187,842.05 757
6387535989 11/8/2005 358 143,016.53 668
6387653709 12/21/2005 359 48,800.00 633
6387905356 11/30/2005 358 98,716.99 748
6391150247 12/9/2005 359 24,300.00 684
6393207490 12/5/2005 359 202,700.00 706
6395354860 11/23/2005 358 188,297.30 717
6395364562 12/7/2005 359 75,600.00 754
6398736063 11/17/2005 358 53,413.96 757
6399574174 11/22/2005 358 63,843.62 689
6401055154 12/6/2005 359 50,000.00 654
6401093932 11/23/2005 358 90,935.77 689
6405899375 12/5/2005 358 207,820.91 734
6406072915 12/9/2005 359 160,000.00 769
6406109733 11/29/2005 358 117,103.93 650
6407002408 12/16/2005 359 100,000.00 735
6407938544 12/14/2005 359 156,600.00 676
6408049358 11/28/2005 358 54,954.91 668
6411984005 12/8/2005 359 49,000.00 754
6415367165 12/9/2005 359 62,550.00 783
6417658082 12/16/2005 359 417,000.00 805
6419288227 11/18/2005 358 81,931.10 698
6419345654 12/9/2005 359 129,000.00 797
6419987844 12/13/2005 359 68,200.00 757
6421325728 11/4/2005 358 67,944.26 774
6424292586 12/16/2005 359 105,500.00 756
6427207714 12/13/2005 359 56,000.00 767
6428869066 12/8/2005 359 120,000.00 736
6431623377 12/27/2005 359 152,000.00 698
6433401731 12/2/2005 359 74,800.00 718
6433609994 12/15/2005 359 85,000.00 626
6433941041 12/21/2005 359 118,000.00 812
6436179532 12/6/2005 359 232,000.00 704
6437758201 12/12/2005 359 400,000.00 762
6441691208 11/16/2005 358 27,977.60 786
6444631763 11/28/2005 358 93,356.54 751
6446042357 12/1/2005 286 53,677.37 814
6446587153 12/2/2005 359 199,710.00 705
6446658376 12/6/2005 359 109,900.00 771
6447360428 11/17/2005 358 42,263.58 760
6451825613 12/19/2005 359 64,800.00 745
6452857227 12/9/2005 359 80,000.00 706
6454955904 11/23/2005 358 384,684.41 700
6462284719 12/7/2005 359 185,000.00 721
6463789245 12/7/2005 359 61,000.00 736
6464652780 12/19/2005 359 105,000.00 760
6466220545 11/28/2005 358 142,985.56 703
6470994689 12/6/2005 359 104,000.00 704
6472436572 12/21/2005 359 98,000.00 800
6473076138 12/9/2005 359 60,000.00 684
6475124530 12/13/2005 358 97,513.88 678
6478802421 12/14/2005 359 41,400.00 801
6479869403 12/19/2005 359 417,000.00 724
6480898698 12/2/2005 358 71,140.18 713
6481919394 12/13/2005 359 160,000.00 681
6484070658 12/8/2005 359 124,000.00 806
6485294703 12/9/2005 359 84,000.00 773
6485973140 12/23/2005 359 135,000.00 737
6487125889 12/14/2005 359 120,000.00 697
6489400561 12/16/2005 359 76,000.00 790
6489515095 12/14/2005 359 45,500.00 691
6492254807 12/19/2005 359 117,708.00 803
6496842193 12/21/2005 359 294,000.00 677
6497037751 11/23/2005 358 81,934.43 732
6498949913 11/30/2005 358 249,779.43 774
6499815352 12/19/2005 359 96,000.00 734
6500163917 12/12/2005 359 100,000.00 755
6500203812 12/14/2005 359 40,000.00 691
6500995557 11/30/2005 358 196,039.17 793
6501398504 12/16/2005 359 30,000.00 781
6506065066 12/27/2005 359 29,600.00 661
6508954325 11/23/2005 358 167,775.42 722
6511419498 12/12/2005 359 168,000.00 660
6516488647 12/23/2005 359 152,000.00 734
6516758668 12/19/2005 359 140,000.00 720
6517702301 11/25/2005 358 55,954.10 736
6518821464 12/9/2005 359 35,200.00 665
6520616027 12/15/2005 359 223,300.00 700
6520656197 11/22/2005 358 289,756.36 786
6522029963 12/15/2005 359 56,700.00 711
6524926786 12/13/2005 359 304,000.00 726
6528813733 11/22/2005 358 48,958.83 802
6532988729 12/20/2005 359 89,600.00 762
6538682086 11/28/2005 358 131,782.62 813
6540281117 12/8/2005 359 47,600.00 751
6540569552 12/19/2005 359 32,200.00 708
6540868376 12/19/2005 359 417,000.00 713
6542500225 11/16/2005 358 37,769.77 732
6543312265 12/8/2005 299 76,500.00 766
6543457342 12/12/2005 359 101,010.00 787
6546028363 12/9/2005 359 66,000.00 680
6548471686 11/18/2005 358 243,540.13 781
6550077348 12/1/2005 358 34,270.47 704
6552782606 11/1/2005 357 225,055.91 695
6555121828 11/10/2005 358 103,910.45 693
6555174108 11/15/2005 358 349,705.95 627
6555635942 12/12/2005 359 217,000.00 731
6557213383 12/2/2005 358 199,823.54 782
6557970149 12/1/2005 298 79,597.65 795
6558301773 12/6/2005 359 104,000.00 704
6558464183 12/19/2005 359 417,000.00 724
6560146307 11/30/2005 358 104,678.58 738
6560162346 12/14/2005 359 56,000.00 691
6560695097 12/1/2005 358 167,865.65 0
6561698520 12/22/2005 359 121,252.00 642
6562921483 11/14/2005 358 133,784.71 748
6563780722 12/9/2005 359 64,800.00 684
6564050885 12/1/2005 358 44,961.26 623
6567156069 12/9/2005 359 152,910.00 770
6569198655 11/28/2005 358 258,108.26 780
6570338266 12/19/2005 359 30,000.00 778
6571975678 12/13/2005 359 63,000.00 745
6573611644 12/23/2005 359 376,000.00 633
6574680754 12/1/2005 358 105,906.48 703
6581444871 12/1/2005 298 90,883.15 786
6582681315 11/29/2005 358 44,961.26 760
6583826844 11/10/2005 358 166,356.64 721
6584212168 12/14/2005 359 285,000.00 698
6584263203 12/12/2005 359 26,000.00 769
6584399395 11/30/2005 358 116,901.70 788
6584494824 11/16/2005 358 95,917.34 764
6585675348 12/13/2005 359 255,200.00 677
6587131183 11/17/2005 358 151,369.56 797
6589692687 12/2/2005 358 171,851.91 649
6590581085 12/14/2005 359 228,000.00 658
6591042665 12/9/2005 359 240,000.00 775
6591291817 12/15/2005 359 42,400.00 720
6591701757 11/16/2005 358 44,064.73 786
6592187279 11/29/2005 358 322,913.74 773
6594070952 12/8/2005 359 96,000.00 697
6595696466 12/1/2005 358 44,961.26 623
6596418670 12/1/2005 358 179,845.02 793
6599843312 12/2/2005 358 59,948.34 649
6600054206 12/6/2005 358 72,439.08 723
6604402377 12/14/2005 359 70,650.00 794
6605489837 12/16/2005 359 57,500.00 724
6606211594 12/1/2005 358 42,078.62 663
6607016406 11/30/2005 358 116,624.32 780
6607375950 12/8/2005 359 135,000.00 768
6609474629 11/23/2005 358 97,216.22 697
6610016781 11/30/2005 358 99,913.90 797
6610766146 12/7/2005 359 148,400.00 698
6616769060 12/13/2005 359 97,600.00 678
6617940405 12/2/2005 358 127,897.64 717
6620996261 12/19/2005 359 81,000.00 776
6622584412 12/16/2005 359 141,600.00 750
6623785737 12/7/2005 359 139,455.00 753
6624572993 12/1/2005 358 84,715.19 722
6625291270 12/16/2005 359 172,000.00 743
6625541112 12/14/2005 359 56,000.00 665
6625908766 12/12/2005 359 72,142.00 750
6626240029 12/5/2005 358 135,882.90 713
6627990655 11/23/2005 358 31,974.41 681
6629709400 11/15/2005 358 164,857.94 772
6631011357 12/6/2005 359 133,600.00 784
6633180812 12/20/2005 359 135,000.00 720
6633551053 11/23/2005 358 64,942.64 654
6633862914 12/2/2005 359 119,000.00 773
6634174095 12/12/2005 359 148,072.00 625
6637772671 11/25/2005 358 74,545.76 793
6639132163 11/28/2005 358 86,325.61 741
6641072985 12/8/2005 359 127,920.00 798
6641531378 11/28/2005 358 212,774.97 0
6643559914 12/21/2005 359 74,000.00 747
6644511146 12/2/2005 359 73,499.00 719
6644558287 12/16/2005 359 60,300.00 724
6647115549 12/22/2005 359 130,500.00 693
6651716737 12/8/2005 359 105,400.00 739
6654212668 12/15/2005 359 31,000.00 796
6654826947 11/29/2005 358 111,908.19 718
6658353740 11/21/2005 358 44,960.30 728
6658942815 11/28/2005 358 74,938.52 699
6659975616 12/1/2005 358 78,324.14 801
6663059340 11/29/2005 358 35,969.75 706
6663924345 12/8/2005 359 48,750.00 724
6665368426 11/18/2005 358 179,841.18 750
6667828922 11/29/2005 358 154,113.91 804
6670398137 11/29/2005 358 43,962.11 715
6670400750 12/14/2005 359 112,500.00 702
6671249305 12/16/2005 359 101,750.00 776
6672414445 12/15/2005 359 223,920.00 706
6672696256 12/9/2005 359 112,914.00 758
6672915862 12/5/2005 359 130,000.00 728
6677548692 11/21/2005 358 209,793.59 642
6680196760 12/19/2005 359 39,200.00 792
6684586933 11/22/2005 358 205,198.79 758
6685183227 12/19/2005 359 242,866.00 663
6687204773 12/15/2005 359 350,000.00 705
6688008439 11/21/2005 358 69,939.73 771
6693256734 11/23/2005 358 187,338.56 728
6693417021 12/2/2005 359 66,600.00 768
6695069382 11/23/2005 358 104,909.60 697
6695097656 12/12/2005 359 62,400.00 676
6696517181 12/12/2005 359 62,900.00 665
6696721346 12/20/2005 359 158,960.00 712
6696832655 12/2/2005 358 50,199.82 752
6699194087 11/30/2005 358 43,883.99 769
6699236805 12/1/2005 358 84,715.19 722
6699335623 11/25/2005 358 286,770.48 0
6699380652 12/6/2005 359 152,000.00 0
6700147165 12/16/2005 359 88,000.00 667
6704428397 12/7/2005 359 56,000.00 792
6704781290 11/16/2005 358 30,375.68 788
6708527731 12/12/2005 359 77,600.00 738
6711084498 12/7/2005 359 237,375.00 720
6711178258 12/6/2005 359 181,791.00 730
6712767562 12/19/2005 359 54,375.00 799
6712902391 12/6/2005 359 104,000.00 704
6713699889 12/8/2005 359 20,300.00 745
6720710612 12/19/2005 359 75,000.00 724
6723551625 10/18/2005 357 29,949.45 710
6724075418 11/21/2005 358 349,691.20 675
6726123745 12/19/2005 359 140,000.00 764
6728237584 12/1/2005 358 88,157.03 751
6729073194 12/2/2005 358 171,851.91 649
6729788759 11/28/2005 358 254,180.96 723
6730466999 12/16/2005 359 193,500.00 731
6731481955 12/13/2005 359 460,000.00 703
6731551732 11/29/2005 358 115,384.57 807
6733094558 11/18/2005 358 71,939.51 778
6734365452 12/12/2005 359 63,000.00 624
6738668984 12/13/2005 359 73,000.00 755
6739452305 12/2/2005 358 50,362.59 718
6741901786 12/19/2005 359 130,000.00 686
6743654268 12/2/2005 358 171,851.91 649
6746206728 12/1/2005 358 51,572.63 762
6747214515 11/22/2005 358 73,438.24 695
6747696505 12/6/2005 359 104,000.00 704
6748966931 12/15/2005 359 176,000.00 767
6752130978 12/2/2005 358 171,851.91 649
6754309380 11/29/2005 358 28,614.73 700
6757388761 11/22/2005 358 34,370.38 680
6757515306 11/30/2005 358 158,551.37 723
6758836503 12/23/2005 359 240,000.00 707
6767221333 11/16/2005 358 79,208.39 805
6767617787 12/21/2005 359 92,000.00 778
6768071984 12/23/2005 359 135,000.00 737
6768906007 11/29/2005 358 42,663.23 682
6770820279 12/21/2005 359 86,400.00 739
6775856989 11/30/2005 358 147,869.41 790
6776433317 12/19/2005 359 84,000.00 657
6777499622 12/12/2005 359 142,600.00 780
6777714582 12/14/2005 359 94,500.00 772
6779390357 12/9/2005 359 104,000.00 684
6784368331 12/1/2005 358 282,050.93 684
6784368513 11/22/2005 358 147,669.59 763
6791510537 11/30/2005 358 145,174.89 789
6791653485 12/8/2005 359 53,200.00 754
6793687267 12/15/2005 359 364,000.00 740
6794423258 11/28/2005 358 91,920.78 782
6796991591 12/1/2005 358 103,111.14 769
6798784663 12/23/2005 359 187,250.00 746
6798933161 11/22/2005 359 78,730.47 663
6799106999 12/9/2005 359 64,000.00 684
6799975559 11/30/2005 358 139,879.46 748
6802939113 12/23/2005 359 86,850.00 769
6803131744 11/9/2005 358 134,883.77 687
6803396701 11/15/2005 358 114,301.50 604
6803874582 11/22/2005 358 88,122.18 755
6805049712 12/1/2005 358 334,711.57 786
6806437882 12/20/2005 359 50,717.00 724
6806640667 11/29/2005 358 52,354.88 698
6808222654 12/6/2005 359 104,000.00 704
6811835146 12/23/2005 359 135,000.00 737
6813609234 12/16/2005 359 48,000.00 728
6815498875 12/21/2005 359 90,400.00 689
6816770199 11/30/2005 358 29,226.02 765
6818621515 11/30/2005 358 39,167.06 808
6818836055 12/16/2005 359 52,400.00 724
6819024172 11/23/2005 358 149,474.31 656
6819710689 12/27/2005 359 381,600.00 708
6820915939 12/19/2005 359 33,000.00 697
6821351738 12/1/2005 358 78,903.00 735
6824938325 12/19/2005 359 64,800.00 793
6825584029 12/6/2005 359 140,000.00 775
6825808410 12/1/2005 358 191,085.33 733
6827240471 12/9/2005 359 224,000.00 692
6830772189 11/23/2005 358 121,897.50 673
6830869423 12/15/2005 359 175,000.00 755
6831585424 11/17/2005 358 112,400.74 737
6832697210 12/1/2005 358 33,571.07 760
6838094917 12/19/2005 359 417,000.00 713
6841473066 12/16/2005 359 150,400.00 0
6841731091 8/17/2005 355 26,302.62 688
6842074442 12/23/2005 359 216,999.00 627
6842958594 11/30/2005 358 306,342.41 762
6844844420 11/14/2005 358 60,248.08 792
6845407870 11/29/2005 358 79,931.12 788
6846746581 11/29/2005 358 89,023.28 695
6846883194 11/29/2005 358 32,971.59 672
6847296453 11/30/2005 358 170,852.77 756
6848632979 12/1/2005 358 199,814.06 756
6849177008 12/9/2005 359 80,100.00 753
6849573230 12/1/2005 358 256,284.50 768
6851192929 12/21/2005 359 71,900.00 776
6854543730 11/8/2005 358 271,881.90 721
6855556749 12/22/2005 359 166,500.00 772
6860228300 11/8/2005 358 37,567.62 794
6860680898 12/7/2005 359 41,603.00 790
6862603211 12/6/2005 359 61,000.00 806
6863175458 11/30/2005 358 27,875.98 765
6863601404 11/16/2005 358 351,704.28 760
6863719412 11/28/2005 358 76,534.05 741
6864143901 12/8/2005 359 30,450.00 754
6864682676 12/2/2005 359 127,920.00 687
6864843831 12/23/2005 359 238,000.00 762
6866499897 12/21/2005 359 42,000.00 777
6867014851 12/9/2005 359 140,000.00 684
6867908805 11/25/2005 358 102,815.65 727
6869021987 12/16/2005 359 34,135.00 630
6870268221 12/2/2005 358 115,900.12 801
6876798395 12/12/2005 359 444,000.00 747
6880100430 11/22/2005 358 43,162.80 767
6881003112 12/2/2005 358 131,886.35 658
6882322297 12/6/2005 359 175,000.00 747
6884053718 12/1/2005 358 89,475.76 771
6884137214 12/21/2005 359 114,300.00 789
6885292133 12/9/2005 359 148,000.00 792
6885490042 12/1/2005 358 244,808.87 798
6885788965 12/1/2005 358 108,903.83 676
6887717046 12/7/2005 359 46,900.00 754
6889547235 12/12/2005 359 146,200.00 773
6890188847 12/13/2005 359 213,200.00 695
6891949130 11/17/2005 358 43,163.70 759
6893744828 12/20/2005 359 108,000.00 816
6894342309 12/12/2005 359 53,000.00 795
6895312863 11/25/2005 358 59,348.86 745
6895609326 12/22/2005 359 188,000.00 753
6896210066 12/21/2005 359 245,500.00 701
6896396378 11/30/2005 358 157,374.05 791
6896530133 12/21/2005 359 153,900.00 777
6897976533 12/8/2005 359 44,100.00 754
6901246451 11/23/2005 358 59,948.34 715
6904086755 12/7/2005 359 50,000.00 713
6908728576 12/9/2005 359 100,000.00 684
6912092837 12/21/2005 359 84,000.00 641
6912111702 12/14/2005 359 282,400.00 692
6912492136 12/8/2005 359 102,000.00 784
6918092922 12/19/2005 359 105,600.00 699
6918462356 12/2/2005 359 96,000.00 674
6919947173 11/10/2005 358 183,042.26 751
6921628183 12/8/2005 359 88,800.00 777
6922736803 12/14/2005 359 56,000.00 665
6924967646 11/22/2005 358 53,952.36 781
6925487180 11/29/2005 358 74,838.60 682
6925651389 12/1/2005 358 51,444.74 746
6925936335 12/5/2005 358 133,484.97 713
6930534976 11/18/2005 358 85,302.67 766
6931232232 11/23/2005 358 63,146.90 689
6931376088 11/10/2005 358 123,815.89 764
6934233401 12/16/2005 359 65,250.00 726
6940987669 11/30/2005 358 186,237.27 772
6944442984 12/16/2005 359 322,500.00 724
6948297970 12/14/2005 359 53,190.00 665
6948646432 12/1/2005 358 147,185.16 705
6950835758 12/5/2005 359 224,000.00 793
6954462567 12/7/2005 359 378,400.00 730
6956687542 11/30/2005 358 111,901.18 733
6957856625 12/2/2005 359 142,500.00 782
6959921542 11/30/2005 358 243,582.17 776
6959925477 12/12/2005 359 72,142.00 750
6961682405 10/3/2005 357 343,420.33 753
6964435314 11/30/2005 358 29,226.02 766
6964619677 12/14/2005 359 75,000.00 777
6966921527 12/9/2005 359 137,600.00 740
6970069545 12/12/2005 359 60,210.00 782
6972080334 11/30/2005 358 29,226.02 765
6975943785 12/21/2005 359 417,000.00 713
6979278394 12/21/2005 359 154,450.00 727
6985011565 12/1/2005 358 84,715.19 722
6985210050 11/28/2005 358 215,010.13 799
6987705206 12/12/2005 359 35,200.00 751
6989471633 11/30/2005 358 91,920.78 696
6990314228 11/4/2005 358 103,108.94 692
6993799144 11/30/2005 358 271,771.48 714
6997990590 12/12/2005 359 111,000.00 704
Loan Count: 760
Scheduled PB
as January 1, 2005: 98,815,939.64
Unpaid PB W/A: 130,020.97
W/A Interest Rate: 6.847
W/A Remaining Term: 358.70
Loan Appraisal Sales
Number Value ($) Price ($)
-----------------------------------------------------------
3302124296 194,000.00 191,764.00
3303077436 330,500.00 330,000.00
3303294593 160,000.00 0.00
3303337665 130,000.00 0.00
3303351062 172,000.00 0.00
3303388528 88,000.00 88,000.00
3303396158 190,000.00 0.00
3303427441 125,000.00 0.00
3303430973 96,000.00 90,000.00
3303438968 313,000.00 180,000.00
3303443034 450,000.00 0.00
3303447290 148,900.00 122,000.00
3303450948 78,000.00 78,000.00
3303452597 151,000.00 0.00
3303453611 738,000.00 0.00
3303456911 153,000.00 0.00
3303459329 158,000.00 150,000.00
3303459832 135,000.00 128,000.00
3303462299 267,000.00 0.00
3303463982 130,000.00 115,760.00
3303464584 110,000.00 110,000.00
3303476695 706,000.00 0.00
3303477610 127,748.00 0.00
3303485951 23,700.00 23,500.00
3303487981 120,000.00 0.00
3303488526 70,000.00 70,000.00
3303489466 62,000.00 0.00
3303489847 155,000.00 0.00
3303490043 514,000.00 0.00
3303492197 730,000.00 0.00
3303492403 319,301.00 0.00
3303494979 250,000.00 0.00
3303496891 836,000.00 0.00
3303498251 112,000.00 0.00
3303500288 112,400.00 0.00
3303500999 111,000.00 0.00
3303501815 145,000.00 140,000.00
3303503332 495,000.00 0.00
3303504793 368,256.00 0.00
3303506277 145,000.00 0.00
3303510386 82,000.00 0.00
3303514826 330,000.00 347,000.00
3303515351 140,000.00 139,000.00
3303517118 100,000.00 87,150.00
3303517795 115,000.00 85,000.00
3303518009 155,000.00 0.00
3303518389 335,000.00 0.00
3303518892 93,000.00 92,800.00
3303522100 300,000.00 0.00
3303524148 230,000.00 0.00
3303524197 105,000.00 0.00
3303525335 65,000.00 0.00
3303525939 147,000.00 147,000.00
3303526036 89,000.00 0.00
3303526879 155,000.00 140,000.00
3303528412 232,500.00 232,500.00
3303530327 215,000.00 0.00
3303531226 98,400.00 90,000.00
3303531853 843,000.00 0.00
3303532646 130,000.00 0.00
3303534048 113,000.00 113,000.00
3303535151 260,000.00 256,000.00
3303535649 104,000.00 0.00
3303536027 350,000.00 0.00
3303536332 280,000.00 0.00
3303536373 420,000.00 0.00
3303537827 378,000.00 0.00
3303537876 180,000.00 0.00
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6731481955 600,000.00 595,000.00
6731551732 150,000.00 144,427.00
6733094558 152,000.00 90,000.00
6734365452 91,000.00 0.00
6738668984 98,000.00 0.00
6739452305 63,000.00 0.00
6741901786 165,000.00 162,500.00
6743654268 215,000.00 0.00
6746206728 84,000.00 0.00
6747214515 100,000.00 98,000.00
6747696505 130,000.00 0.00
6748966931 227,000.00 220,000.00
6752130978 215,000.00 0.00
6754309380 39,000.00 35,800.00
6757388761 49,600.00 43,001.00
6757515306 177,000.00 176,320.00
6758836503 320,000.00 0.00
6767221333 120,000.00 105,700.00
6767617787 115,000.00 115,000.00
6768071984 150,000.00 150,000.00
6768906007 61,000.00 0.00
6770820279 108,000.00 0.00
6775856989 230,000.00 185,000.00
6776433317 188,000.00 0.00
6777499622 240,000.00 0.00
6777714582 108,000.00 105,000.00
6779390357 130,000.00 0.00
6784368331 650,000.00 0.00
6784368513 197,100.00 0.00
6791510537 186,000.00 181,625.00
6791653485 76,000.00 0.00
6793687267 456,000.00 0.00
6794423258 140,000.00 115,000.00
6796991591 130,000.00 129,000.00
6798784663 267,500.00 0.00
6798933161 120,000.00 98,500.00
6799106999 80,000.00 0.00
6799975559 179,300.00 175,000.00
6802939113 96,500.00 96,500.00
6803131744 194,000.00 0.00
6803396701 143,000.00 145,000.00
6803874582 98,000.00 98,000.00
6805049712 480,000.00 0.00
6806437882 94,000.00 0.00
6806640667 76,000.00 76,000.00
6808222654 130,000.00 0.00
6811835146 150,000.00 150,000.00
6813609234 63,500.00 60,000.00
6815498875 113,000.00 0.00
6816770199 32,500.00 32,500.00
6818621515 49,000.00 49,000.00
6818836055 70,000.00 0.00
6819024172 194,000.00 187,000.00
6819710689 477,000.00 477,000.00
6820915939 144,700.00 60,000.00
6821351738 118,000.00 0.00
6824938325 81,500.00 81,000.00
6825584029 321,000.00 0.00
6825808410 255,000.00 255,000.00
6827240471 320,000.00 280,000.00
6830772189 153,000.00 0.00
6830869423 260,000.00 0.00
6831585424 157,000.00 150,000.00
6832697210 44,000.00 42,000.00
6838094917 660,000.00 0.00
6841473066 188,000.00 188,000.00
6841731091 34,000.00 33,660.00
6842074442 310,000.00 0.00
6842958594 450,000.00 383,250.00
6844844420 69,000.00 67,000.00
6845407870 108,000.00 100,000.00
6846746581 100,000.00 99,000.00
6846883194 44,000.00 44,000.00
6847296453 235,000.00 0.00
6848632979 255,000.00 0.00
6849177008 91,000.00 89,000.00
6849573230 311,439.00 285,000.00
6851192929 93,000.00 91,900.00
6854543730 387,000.00 0.00
6855556749 185,000.00 185,000.00
6860228300 47,000.00 47,000.00
6860680898 79,000.00 0.00
6862603211 88,000.00 86,000.00
6863175458 31,000.00 31,000.00
6863601404 450,000.00 440,000.00
6863719412 97,000.00 97,600.00
6864143901 43,500.00 0.00
6864682676 160,000.00 159,900.00
6864843831 384,000.00 0.00
6866499897 53,000.00 52,500.00
6867014851 270,000.00 0.00
6867908805 147,000.00 0.00
6869021987 90,000.00 0.00
6870268221 510,000.00 510,000.00
6876798395 600,000.00 600,000.00
6880100430 48,000.00 48,000.00
6881003112 168,000.00 165,000.00
6882322297 410,000.00 0.00
6884053718 197,604.00 0.00
6884137214 131,923.00 127,000.00
6885292133 185,000.00 0.00
6885490042 360,000.00 0.00
6885788965 181,400.00 0.00
6887717046 67,000.00 0.00
6889547235 194,977.00 0.00
6890188847 328,000.00 0.00
6891949130 50,000.00 48,000.00
6893744828 144,000.00 0.00
6894342309 106,000.00 0.00
6895312863 67,000.00 66,000.00
6895609326 240,000.00 235,000.00
6896210066 300,000.00 300,000.00
6896396378 182,500.00 175,000.00
6896530133 172,000.00 171,000.00
6897976533 63,000.00 0.00
6901246451 75,000.00 0.00
6904086755 114,000.00 0.00
6908728576 125,300.00 0.00
6912092837 105,000.00 105,000.00
6912111702 353,000.00 353,000.00
6912492136 128,000.00 127,500.00
6918092922 148,000.00 132,000.00
6918462356 159,172.00 120,000.00
6919947173 230,000.00 229,900.00
6921628183 111,000.00 111,000.00
6922736803 76,000.00 0.00
6924967646 74,000.00 0.00
6925487180 100,000.00 98,900.00
6925651389 76,000.00 0.00
6925936335 167,000.00 167,000.00
6930534976 96,500.00 94,865.00
6931232232 79,135.00 79,000.00
6931376088 195,000.00 154,900.00
6934233401 75,000.00 72,500.00
6940987669 263,000.00 0.00
6944442984 430,000.00 430,000.00
6948297970 76,000.00 0.00
6948646432 220,000.00 0.00
6950835758 394,400.00 0.00
6954462567 475,000.00 0.00
6956687542 149,600.00 140,000.00
6957856625 530,000.00 0.00
6959921542 330,000.00 304,728.00
6959925477 120,000.00 0.00
6961682405 431,000.00 430,000.00
6964435314 32,500.00 32,500.00
6964619677 95,000.00 0.00
6966921527 185,000.00 183,490.00
6970069545 66,900.00 66,900.00
6972080334 32,500.00 32,500.00
6975943785 630,000.00 0.00
6979278394 210,000.00 193,081.00
6985011565 95,000.00 94,212.00
6985210050 706,000.00 0.00
6987705206 44,000.00 0.00
6989471633 125,000.00 115,000.00
6990314228 131,000.00 129,000.00
6993799144 400,000.00 340,000.00
6997990590 138,900.00 0.00
EXHIBIT D-4
MORTGAGE LOAN SCHEDULE
(LOAN GROUP 4)
[LOGO - Bank of America]
BOAALT 2006-01
Group 4:
Mortgage Schedule
Loan Property
Number Type Occupancy
-----------------------------------------------------------------------------
3303005452 Single Family Primary (Owner Occupied)
3303096493 CL Primary (Owner Occupied)
3303192235 Single Family Primary (Owner Occupied)
3303205151 Single Family Primary (Owner Occupied)
3303214203 PUD Detached Primary (Owner Occupied)
3303223667 Single Family Primary (Owner Occupied)
3303234011 Single Family Primary (Owner Occupied)
3303264711 Single Family Primary (Owner Occupied)
3303299774 Single Family Primary (Owner Occupied)
3303334530 Single Family Primary (Owner Occupied)
3303347482 Single Family Primary (Owner Occupied)
3303359677 Single Family Primary (Owner Occupied)
3303360063 Single Family Primary (Owner Occupied)
3303363281 Single Family Primary (Owner Occupied)
3303367852 Single Family Primary (Owner Occupied)
3303372936 Single Family Primary (Owner Occupied)
3303377133 Single Family Primary (Owner Occupied)
3303379576 Single Family Primary (Owner Occupied)
3303394963 Single Family Primary (Owner Occupied)
3303401834 Single Family Primary (Owner Occupied)
3303407146 Single Family Primary (Owner Occupied)
3303408912 Single Family Primary (Owner Occupied)
3303409209 PUD Detached Primary (Owner Occupied)
3303409464 Single Family Primary (Owner Occupied)
3303414902 PUD Detached Primary (Owner Occupied)
3303415495 Single Family Primary (Owner Occupied)
3303417525 Single Family Primary (Owner Occupied)
3303420602 PUD Attached Primary (Owner Occupied)
3303442887 Single Family Primary (Owner Occupied)
3303444099 PUD Attached Primary (Owner Occupied)
3303451250 Single Family Primary (Owner Occupied)
3303452845 Single Family Primary (Owner Occupied)
3303455244 Single Family Primary (Owner Occupied)
3303457208 Single Family Primary (Owner Occupied)
3303460871 Single Family Primary (Owner Occupied)
3303462620 Single Family Primary (Owner Occupied)
3303463156 Single Family Primary (Owner Occupied)
3303463438 Single Family Primary (Owner Occupied)
3303474369 Single Family Primary (Owner Occupied)
3303477560 Single Family Primary (Owner Occupied)
3303479178 Single Family Primary (Owner Occupied)
3303483683 Single Family Primary (Owner Occupied)
3303484210 Single Family Primary (Owner Occupied)
3303487684 Single Family Primary (Owner Occupied)
3303488468 Single Family Primary (Owner Occupied)
3303488641 Single Family Primary (Owner Occupied)
3303498657 Single Family Primary (Owner Occupied)
3303505238 Two Family Primary (Owner Occupied)
3303510055 Single Family Primary (Owner Occupied)
3303511665 Single Family Primary (Owner Occupied)
3303518025 PUD Detached Primary (Owner Occupied)
3303520054 PUD Detached Primary (Owner Occupied)
3303524254 Single Family Primary (Owner Occupied)
3303527406 Single Family Primary (Owner Occupied)
3303531077 Single Family Primary (Owner Occupied)
3303533529 Single Family Primary (Owner Occupied)
3303535730 Single Family Primary (Owner Occupied)
3303537173 Single Family Primary (Owner Occupied)
3303537215 Single Family Primary (Owner Occupied)
3303543726 PUD Detached Primary (Owner Occupied)
3303543858 Single Family Primary (Owner Occupied)
3303545192 Two Family Primary (Owner Occupied)
3303546968 CL Primary (Owner Occupied)
3303547172 CL Primary (Owner Occupied)
3303550531 Single Family Primary (Owner Occupied)
3303556215 Single Family Primary (Owner Occupied)
3303558468 Single Family Primary (Owner Occupied)
3303561835 Single Family Primary (Owner Occupied)
3303564201 Single Family Primary (Owner Occupied)
3303564938 Single Family Primary (Owner Occupied)
3303569036 Single Family Primary (Owner Occupied)
3303582021 Single Family Primary (Owner Occupied)
3303584746 Single Family Primary (Owner Occupied)
3303586931 Single Family Primary (Owner Occupied)
3303587673 Single Family Primary (Owner Occupied)
3303592095 Single Family Primary (Owner Occupied)
3303600674 Single Family Primary (Owner Occupied)
3303610541 Single Family Primary (Owner Occupied)
3303612307 Single Family Primary (Owner Occupied)
3303614535 Single Family Primary (Owner Occupied)
3303624211 Single Family Primary (Owner Occupied)
3303627487 Townhouse Primary (Owner Occupied)
3303628048 Single Family Primary (Owner Occupied)
3303647949 Single Family Primary (Owner Occupied)
6001302220 Single Family Primary (Owner Occupied)
6002011853 Single Family Secondary (Owner Occupied)
6005100067 PUD Detached Primary (Owner Occupied)
6010376025 Single Family Primary (Owner Occupied)
6016552801 Four Family Primary (Owner Occupied)
6016808914 Single Family Primary (Owner Occupied)
6019871844 Single Family Primary (Owner Occupied)
6023618579 PUD Attached Primary (Owner Occupied)
6031335992 Single Family Primary (Owner Occupied)
6035785937 Single Family Primary (Owner Occupied)
6038302524 Single Family Primary (Owner Occupied)
6039323784 Condo Highrise Primary (Owner Occupied)
6040224120 Single Family Primary (Owner Occupied)
6041705598 Single Family Primary (Owner Occupied)
6043036232 Two Family Primary (Owner Occupied)
6046389448 Single Family Primary (Owner Occupied)
6050324976 Single Family Primary (Owner Occupied)
6050702775 Single Family Primary (Owner Occupied)
6053941842 CL Secondary (Owner Occupied)
6057596634 Single Family Primary (Owner Occupied)
6059371192 Single Family Primary (Owner Occupied)
6062520041 PUD Attached Primary (Owner Occupied)
6063014036 PUD Detached Primary (Owner Occupied)
6069526066 Single Family Primary (Owner Occupied)
6071853755 Two Family Primary (Owner Occupied)
6073115815 Single Family Primary (Owner Occupied)
6075823697 PUD Detached Secondary (Owner Occupied)
6076004354 Single Family Primary (Owner Occupied)
6077848601 PUD Attached Secondary (Owner Occupied)
6089979360 Single Family Primary (Owner Occupied)
6090000214 CL Primary (Owner Occupied)
6090375343 PUD Detached Secondary (Owner Occupied)
6091012283 PUD Detached Primary (Owner Occupied)
6096517351 Single Family Secondary (Owner Occupied)
6097974999 Single Family Primary (Owner Occupied)
6099670223 Single Family Primary (Owner Occupied)
6105391236 Single Family Primary (Owner Occupied)
6106684886 Single Family Primary (Owner Occupied)
6109220811 CL Primary (Owner Occupied)
6111873037 Single Family Primary (Owner Occupied)
6112025124 CL Secondary (Owner Occupied)
6118065959 PUD Detached Primary (Owner Occupied)
6119819636 Single Family Primary (Owner Occupied)
6123763499 Single Family Primary (Owner Occupied)
6125170073 Single Family Primary (Owner Occupied)
6128169064 Single Family Primary (Owner Occupied)
6132145746 Single Family Primary (Owner Occupied)
6143227632 Single Family Primary (Owner Occupied)
6144304778 Single Family Primary (Owner Occupied)
6145922792 Single Family Primary (Owner Occupied)
6148665026 Single Family Primary (Owner Occupied)
6152420623 Single Family Primary (Owner Occupied)
6155213132 Two Family Primary (Owner Occupied)
6159653598 Single Family Primary (Owner Occupied)
6160231772 Single Family Primary (Owner Occupied)
6163587527 CL Primary (Owner Occupied)
6165156370 Single Family Primary (Owner Occupied)
6165575140 Single Family Primary (Owner Occupied)
6168616735 Single Family Primary (Owner Occupied)
6179922338 Single Family Primary (Owner Occupied)
6185826382 Single Family Secondary (Owner Occupied)
6191915278 CL Primary (Owner Occupied)
6196526286 Single Family Primary (Owner Occupied)
6198069145 Single Family Primary (Owner Occupied)
6200473608 Single Family Primary (Owner Occupied)
6203330458 PUD Detached Primary (Owner Occupied)
6205024711 Single Family Primary (Owner Occupied)
6209746988 PUD Detached Primary (Owner Occupied)
6222537661 Single Family Primary (Owner Occupied)
6226161294 Single Family Primary (Owner Occupied)
6231771830 Single Family Primary (Owner Occupied)
6238837303 Single Family Primary (Owner Occupied)
6241581179 Single Family Primary (Owner Occupied)
6241800421 Single Family Primary (Owner Occupied)
6242226444 Single Family Primary (Owner Occupied)
6243745863 Single Family Primary (Owner Occupied)
6245657934 Single Family Primary (Owner Occupied)
6245687691 Single Family Primary (Owner Occupied)
6256173722 CL Primary (Owner Occupied)
6258529905 PUD Detached Primary (Owner Occupied)
6263546654 Single Family Primary (Owner Occupied)
6264838563 Single Family Primary (Owner Occupied)
6265782471 Single Family Secondary (Owner Occupied)
6266203188 PUD Detached Primary (Owner Occupied)
6266633020 Single Family Primary (Owner Occupied)
6273403292 Single Family Primary (Owner Occupied)
6275380084 Two Family Primary (Owner Occupied)
6278891681 Single Family Primary (Owner Occupied)
6280379360 CL Primary (Owner Occupied)
6282289708 PUD Detached Primary (Owner Occupied)
6289998822 Single Family Secondary (Owner Occupied)
6298146231 Single Family Primary (Owner Occupied)
6301738578 PUD Detached Primary (Owner Occupied)
6303476144 Single Family Secondary (Owner Occupied)
6305928217 Single Family Secondary (Owner Occupied)
6306928901 Single Family Primary (Owner Occupied)
6308874301 PUD Detached Primary (Owner Occupied)
6310232795 Single Family Primary (Owner Occupied)
6316716452 Single Family Primary (Owner Occupied)
6319280753 Townhouse Primary (Owner Occupied)
6320404434 Single Family Primary (Owner Occupied)
6340203576 Single Family Primary (Owner Occupied)
6350230741 Single Family Primary (Owner Occupied)
6365014619 Single Family Primary (Owner Occupied)
6365069597 Single Family Primary (Owner Occupied)
6366294566 PUD Attached Primary (Owner Occupied)
6368834369 PUD Detached Primary (Owner Occupied)
6369679656 CL Secondary (Owner Occupied)
6370336692 Single Family Primary (Owner Occupied)
6371247039 Single Family Primary (Owner Occupied)
6377445082 Single Family Primary (Owner Occupied)
6382526678 Single Family Primary (Owner Occupied)
6383080048 Single Family Primary (Owner Occupied)
6384807266 Townhouse Primary (Owner Occupied)
6391738173 PUD Detached Secondary (Owner Occupied)
6400590474 Condo Highrise Primary (Owner Occupied)
6402137522 Single Family Primary (Owner Occupied)
6404992023 Single Family Primary (Owner Occupied)
6406634631 Single Family Primary (Owner Occupied)
6408006531 PUD Detached Primary (Owner Occupied)
6412675222 Single Family Primary (Owner Occupied)
6415134060 Single Family Primary (Owner Occupied)
6417018618 Single Family Primary (Owner Occupied)
6417857197 Single Family Primary (Owner Occupied)
6421328854 Single Family Secondary (Owner Occupied)
6429451187 Three Family Primary (Owner Occupied)
6438880822 Single Family Primary (Owner Occupied)
6440812136 CL Primary (Owner Occupied)
6441295513 CL Primary (Owner Occupied)
6443552929 Single Family Primary (Owner Occupied)
6448827706 Three Family Primary (Owner Occupied)
6448830338 Single Family Primary (Owner Occupied)
6452028902 Single Family Primary (Owner Occupied)
6462497410 CL Primary (Owner Occupied)
6463135175 CL Primary (Owner Occupied)
6467128408 Single Family Primary (Owner Occupied)
6468436651 Single Family Primary (Owner Occupied)
6469758467 CL Primary (Owner Occupied)
6479238013 Single Family Primary (Owner Occupied)
6480956397 Single Family Primary (Owner Occupied)
6482155089 Single Family Primary (Owner Occupied)
6484761546 Single Family Primary (Owner Occupied)
6500902256 Single Family Secondary (Owner Occupied)
6503160290 Single Family Primary (Owner Occupied)
6505886314 Single Family Primary (Owner Occupied)
6512406098 Single Family Primary (Owner Occupied)
6516460828 Single Family Primary (Owner Occupied)
6517282643 Single Family Primary (Owner Occupied)
6521168713 Single Family Primary (Owner Occupied)
6525452709 CL Secondary (Owner Occupied)
6525886021 Single Family Primary (Owner Occupied)
6526850794 Single Family Primary (Owner Occupied)
6530208013 PUD Detached Primary (Owner Occupied)
6532140610 Single Family Secondary (Owner Occupied)
6537995257 Single Family Primary (Owner Occupied)
6541184393 PUD Detached Primary (Owner Occupied)
6544060343 Single Family Primary (Owner Occupied)
6546776516 Single Family Primary (Owner Occupied)
6547806650 Single Family Primary (Owner Occupied)
6550485756 CL Primary (Owner Occupied)
6552573856 Single Family Primary (Owner Occupied)
6553440162 Single Family Primary (Owner Occupied)
6554928017 Single Family Primary (Owner Occupied)
6555444832 Two Family Primary (Owner Occupied)
6557852529 PUD Detached Primary (Owner Occupied)
6566583065 Single Family Primary (Owner Occupied)
6573262026 CL Secondary (Owner Occupied)
6575586380 Single Family Primary (Owner Occupied)
6577162669 Single Family Primary (Owner Occupied)
6581207807 Single Family Primary (Owner Occupied)
6582032352 Single Family Primary (Owner Occupied)
6582561681 Single Family Primary (Owner Occupied)
6584603408 PUD Detached Primary (Owner Occupied)
6586198910 PUD Detached Primary (Owner Occupied)
6589356564 Single Family Primary (Owner Occupied)
6600511254 Single Family Primary (Owner Occupied)
6605570248 PUD Detached Primary (Owner Occupied)
6606220025 Single Family Secondary (Owner Occupied)
6611826832 CL Primary (Owner Occupied)
6613780581 CL Primary (Owner Occupied)
6614006424 Single Family Primary (Owner Occupied)
6617801730 Single Family Primary (Owner Occupied)
6618633710 PUD Detached Primary (Owner Occupied)
6620439999 Single Family Primary (Owner Occupied)
6620466125 Single Family Primary (Owner Occupied)
6621308904 Single Family Primary (Owner Occupied)
6621627618 Single Family Primary (Owner Occupied)
6631490387 CL Primary (Owner Occupied)
6636521897 Single Family Primary (Owner Occupied)
6643290502 PUD Detached Primary (Owner Occupied)
6650372524 Single Family Primary (Owner Occupied)
6658413957 Single Family Primary (Owner Occupied)
6660372456 Single Family Primary (Owner Occupied)
6665520638 CL Primary (Owner Occupied)
6673284714 Single Family Primary (Owner Occupied)
6677502814 PUD Detached Primary (Owner Occupied)
6678023448 Single Family Primary (Owner Occupied)
6681636194 Single Family Primary (Owner Occupied)
6683163833 Single Family Primary (Owner Occupied)
6691353756 PUD Attached Primary (Owner Occupied)
6694314789 Single Family Primary (Owner Occupied)
6697995253 PUD Detached Primary (Owner Occupied)
6706633598 PUD Detached Primary (Owner Occupied)
6707600877 Single Family Primary (Owner Occupied)
6711877180 Single Family Primary (Owner Occupied)
6713099155 PUD Detached Primary (Owner Occupied)
6725605262 Single Family Primary (Owner Occupied)
6726523340 Single Family Primary (Owner Occupied)
6737343738 Single Family Primary (Owner Occupied)
6743811082 Single Family Primary (Owner Occupied)
6745043510 Single Family Primary (Owner Occupied)
6750130301 Single Family Primary (Owner Occupied)
6750812213 Single Family Primary (Owner Occupied)
6758127986 Single Family Primary (Owner Occupied)
6758509472 CL Primary (Owner Occupied)
6762663059 PUD Detached Primary (Owner Occupied)
6764197510 CL Primary (Owner Occupied)
6767770651 CL Primary (Owner Occupied)
6772132731 PUD Attached Primary (Owner Occupied)
6775804914 Single Family Primary (Owner Occupied)
6777864841 Single Family Primary (Owner Occupied)
6782802133 CL Primary (Owner Occupied)
6786552668 Single Family Secondary (Owner Occupied)
6791776328 PUD Detached Primary (Owner Occupied)
6793060994 Single Family Primary (Owner Occupied)
6794897667 HC Secondary (Owner Occupied)
6797642458 Single Family Primary (Owner Occupied)
6802328036 Single Family Primary (Owner Occupied)
6817451039 CL Primary (Owner Occupied)
6817591370 Single Family Primary (Owner Occupied)
6825138529 Single Family Primary (Owner Occupied)
6831799355 Single Family Primary (Owner Occupied)
6833296566 Single Family Primary (Owner Occupied)
6833982793 Single Family Primary (Owner Occupied)
6841005827 Single Family Primary (Owner Occupied)
6842399757 PUD Attached Primary (Owner Occupied)
6844601226 Single Family Primary (Owner Occupied)
6849073678 Single Family Primary (Owner Occupied)
6851386695 Single Family Secondary (Owner Occupied)
6852848313 Single Family Primary (Owner Occupied)
6855676125 Single Family Primary (Owner Occupied)
6861464474 Single Family Primary (Owner Occupied)
6861911334 PUD Detached Primary (Owner Occupied)
6864054652 Single Family Primary (Owner Occupied)
6874524744 Single Family Primary (Owner Occupied)
6875206424 CL Primary (Owner Occupied)
6877999760 CL Primary (Owner Occupied)
6878827788 Single Family Primary (Owner Occupied)
6881880857 Two Family Primary (Owner Occupied)
6889526791 HC Secondary (Owner Occupied)
6893489994 HC Secondary (Owner Occupied)
6898087363 Single Family Primary (Owner Occupied)
6900979888 Single Family Primary (Owner Occupied)
6912498364 Single Family Primary (Owner Occupied)
6913853435 Single Family Primary (Owner Occupied)
6916189332 Single Family Primary (Owner Occupied)
6916338376 Single Family Primary (Owner Occupied)
6917909191 PUD Detached Secondary (Owner Occupied)
6919818978 Single Family Primary (Owner Occupied)
6920882625 Single Family Primary (Owner Occupied)
6925390020 PUD Attached Primary (Owner Occupied)
6925417112 Single Family Primary (Owner Occupied)
6929029574 Single Family Primary (Owner Occupied)
6930624215 Single Family Primary (Owner Occupied)
6931169343 CL Primary (Owner Occupied)
6932250902 Single Family Primary (Owner Occupied)
6935555943 Single Family Primary (Owner Occupied)
6941038462 Single Family Primary (Owner Occupied)
6943134012 Single Family Primary (Owner Occupied)
6943802147 Single Family Primary (Owner Occupied)
6944110508 Single Family Primary (Owner Occupied)
6945745682 CL Primary (Owner Occupied)
6950119161 Single Family Primary (Owner Occupied)
6957229773 Single Family Primary (Owner Occupied)
6958831700 Single Family Primary (Owner Occupied)
6958915537 Single Family Primary (Owner Occupied)
6961779797 Single Family Primary (Owner Occupied)
6967052017 Single Family Primary (Owner Occupied)
6969964326 Single Family Primary (Owner Occupied)
6977033171 Single Family Primary (Owner Occupied)
6977078036 Single Family Primary (Owner Occupied)
6992146990 Two Family Primary (Owner Occupied)
6993483673 Single Family Primary (Owner Occupied)
Loan Loan Doc Original
Number Purpose Type LTV (%)
-------------------------------------------------------------------------------
3303005452 Purchase Standard 80.00
3303096493 Purchase Standard 79.99
3303192235 Purchase Standard 80.00
3303205151 Purchase Standard 80.00
3303214203 Purchase Standard 80.00
3303223667 Purchase Standard 80.00
3303234011 Purchase Standard 80.00
3303264711 Purchase Standard 80.00
3303299774 Purchase Paper Saver 95.00
3303334530 Purchase Standard 80.00
3303347482 Purchase Standard 80.00
3303359677 Purchase Standard 80.00
3303360063 Purchase No Ratio 80.00
3303363281 Purchase Standard 80.00
3303367852 Purchase Standard 80.00
3303372936 Purchase Standard 80.00
3303377133 Purchase Standard 80.00
3303379576 Purchase Standard 80.00
3303394963 Purchase Standard 80.00
3303401834 Purchase Standard 80.00
3303407146 Purchase Rapid 80.00
3303408912 Purchase Standard 80.00
3303409209 Purchase Standard 80.00
3303409464 Purchase Standard 80.00
3303414902 Purchase Standard 80.00
3303415495 Purchase Standard 80.00
3303417525 Purchase Standard 80.00
3303420602 Purchase Standard 80.00
3303442887 Purchase Standard 80.00
3303444099 Purchase Standard 80.00
3303451250 Purchase Standard 80.00
3303452845 Purchase Standard 80.00
3303455244 Purchase Standard 80.00
3303457208 Purchase Rapid 80.00
3303460871 Purchase Standard 80.00
3303462620 Purchase Standard 80.00
3303463156 Purchase Standard 80.00
3303463438 Purchase Standard 80.00
3303474369 Purchase Standard 80.00
3303477560 Purchase Standard 80.00
3303479178 Purchase Standard 80.00
3303483683 Purchase Standard 80.00
3303484210 Purchase Standard 80.00
3303487684 Purchase Standard 80.00
3303488468 Purchase Standard 80.00
3303488641 Purchase Standard 80.00
3303498657 Purchase Standard 80.00
3303505238 Refinance_Equity_Takeout Stated 79.99
3303510055 Purchase Standard 80.00
3303511665 Purchase Standard 80.00
3303518025 Purchase Standard 80.00
3303520054 Purchase Standard 80.00
3303524254 Refinance_Equity_Takeout Stated 78.07
3303527406 Purchase Standard 80.00
3303531077 Purchase No Ratio 80.00
3303533529 Purchase Standard 80.00
3303535730 Purchase Standard 80.00
3303537173 Purchase Standard 80.00
3303537215 Purchase Standard 80.00
3303543726 Purchase Standard 80.00
3303543858 Purchase Standard 80.00
3303545192 Refinance_Equity_Takeout Stated 59.57
3303546968 Purchase Standard 80.00
3303547172 Purchase Standard 80.00
3303550531 Purchase Standard 80.00
3303556215 Purchase Standard 80.00
3303558468 Purchase Standard 80.00
3303561835 Purchase Standard 80.00
3303564201 Purchase Standard 80.00
3303564938 Purchase Standard 80.00
3303569036 Purchase Standard 80.00
3303582021 Purchase Standard 80.00
3303584746 Purchase Standard 80.00
3303586931 Purchase Standard 80.00
3303587673 Purchase Standard 80.00
3303592095 Purchase Standard 80.00
3303600674 Purchase Standard 80.00
3303610541 Refinance_Equity_Takeout Stated 80.00
3303612307 Purchase Standard 80.00
3303614535 Purchase Paper Saver 94.46
3303624211 Purchase Standard 80.00
3303627487 Purchase Standard 80.00
3303628048 Purchase Standard 80.00
3303647949 Purchase Standard 80.00
6001302220 Purchase No Ratio 80.00
6002011853 Purchase Stated 80.00
6005100067 Refinance_Equity_Takeout Stated 70.00
6010376025 Purchase DU 80.00
6016552801 Refinance_Equity_Takeout Stated 66.66
6016808914 Refinance_Equity_Takeout Stated 50.00
6019871844 Refinance_Equity_Takeout Stated 43.04
6023618579 Purchase Standard 80.00
6031335992 Purchase Standard 80.00
6035785937 Refinance_Equity_Takeout Stated 80.00
6038302524 Purchase Standard 80.00
6039323784 Purchase Standard 80.00
6040224120 Purchase Standard 80.00
6041705598 Purchase Standard 80.00
6043036232 Refinance_Equity_Takeout Stated 78.72
6046389448 Purchase DU 80.00
6050324976 Refinance_Equity_Takeout Stated 67.79
6050702775 Purchase Stated 90.00
6053941842 Purchase Stated 43.57
6057596634 Purchase DU 79.69
6059371192 Purchase Standard 80.00
6062520041 Purchase Standard 80.00
6063014036 Purchase No Ratio 80.00
6069526066 Purchase Standard 76.33
6071853755 Refinance_Equity_Takeout Stated 80.00
6073115815 Purchase Standard 80.00
6075823697 Purchase Standard 66.84
6076004354 Refinance_Equity_Takeout Stated 19.23
6077848601 Purchase Standard 66.77
6089979360 Refinance_No_Cash_Out Stated 34.92
6090000214 Purchase Stated 90.00
6090375343 Purchase Stated 74.07
6091012283 Purchase DU 79.99
6096517351 Purchase Stated 80.00
6097974999 Purchase DU 79.56
6099670223 Purchase Stated 90.00
6105391236 Purchase Stated 90.00
6106684886 Purchase No Ratio 80.00
6109220811 Purchase DU 79.99
6111873037 Purchase Standard 80.00
6112025124 Purchase Standard 80.00
6118065959 Purchase Standard 80.00
6119819636 Refinance_Equity_Takeout Stated 67.76
6123763499 Refinance_Equity_Takeout Stated 64.80
6125170073 Purchase DU 80.00
6128169064 Purchase DU 80.00
6132145746 Purchase Standard 80.00
6143227632 Purchase Standard 80.00
6144304778 Purchase Standard 102.9
6145922792 Refinance_No_Cash_Out Stated 90.00
6148665026 Purchase Standard 80.00
6152420623 Refinance_Equity_Takeout Stated 80.00
6155213132 Refinance_No_Cash_Out Stated 69.04
6159653598 Purchase DU 80.00
6160231772 Purchase Rapid 80.00
6163587527 Purchase Standard 80.00
6165156370 Purchase Standard 80.00
6165575140 Purchase No Ratio 80.00
6168616735 Purchase Stated 75.00
6179922338 Refinance_Equity_Takeout Stated 77.84
6185826382 Purchase Standard 80.00
6191915278 Refinance_Equity_Takeout Stated 72.64
6196526286 Purchase DU 80.00
6198069145 Refinance_No_Cash_Out Stated 78.41
6200473608 Purchase Standard 97.00
6203330458 Refinance_Equity_Takeout Stated 74.41
6205024711 Purchase DU 78.14
6209746988 Purchase DU 80.00
6222537661 Purchase DU 80.00
6226161294 Purchase Stated 79.82
6231771830 Purchase Standard 80.00
6238837303 Purchase Standard 80.00
6241581179 Purchase DU 80.00
6241800421 Purchase Standard 80.00
6242226444 Refinance_No_Cash_Out Stated 45.90
6243745863 Purchase Stated 80.00
6245657934 Purchase Standard 80.00
6245687691 Refinance_Equity_Takeout Stated 70.49
6256173722 Purchase Standard 79.98
6258529905 Purchase Standard 80.00
6263546654 Refinance_Equity_Takeout Stated 80.00
6264838563 Purchase No Ratio 55.55
6265782471 Purchase Standard 80.00
6266203188 Purchase Standard 80.00
6266633020 Purchase Standard 80.00
6273403292 Refinance_Equity_Takeout Stated 80.00
6275380084 Refinance_Equity_Takeout Stated 59.52
6278891681 Refinance_No_Cash_Out Standard 79.75
6280379360 Purchase DU 80.00
6282289708 Purchase Standard 80.00
6289998822 Purchase Standard 80.00
6298146231 Refinance_Equity_Takeout Stated 79.45
6301738578 Purchase Standard 80.00
6303476144 Refinance_Equity_Takeout Stated 55.38
6305928217 Purchase Standard 80.00
6306928901 Purchase Standard 80.00
6308874301 Purchase Standard 80.00
6310232795 Purchase Standard 80.00
6316716452 Purchase Standard 80.00
6319280753 Purchase Standard 80.00
6320404434 Refinance_Equity_Takeout Stated 54.26
6340203576 Purchase Standard 80.00
6350230741 Purchase Standard 80.00
6365014619 Refinance_Equity_Takeout Stated 76.08
6365069597 Purchase Standard 80.00
6366294566 Refinance_Equity_Takeout Stated 58.02
6368834369 Purchase Standard 80.00
6369679656 Purchase Standard 80.00
6370336692 Purchase Stated 90.00
6371247039 Purchase Stated 80.00
6377445082 Refinance_Equity_Takeout Stated 78.79
6382526678 Refinance_No_Cash_Out Stated 30.80
6383080048 Purchase Stated 90.00
6384807266 Purchase Standard 80.00
6391738173 Purchase Stated 80.00
6400590474 Refinance_No_Cash_Out Stated 80.00
6402137522 Refinance_Equity_Takeout Stated 30.48
6404992023 Purchase Standard 80.00
6406634631 Purchase Standard 80.00
6408006531 Construction_Permanent Stated 85.00
6412675222 Purchase Stated 90.00
6415134060 Refinance_Equity_Takeout Stated 80.00
6417018618 Purchase Standard 80.00
6417857197 Purchase Stated 90.00
6421328854 Purchase No Ratio 69.90
6429451187 Purchase Stated 75.00
6438880822 Purchase Standard 80.00
6440812136 Purchase Standard 102.1
6441295513 Purchase Standard 80.00
6443552929 Purchase Standard 80.00
6448827706 Refinance_No_Cash_Out No Ratio 48.54
6448830338 Purchase Standard 80.00
6452028902 Refinance_Equity_Takeout Stated 72.64
6462497410 Purchase Standard 80.00
6463135175 Purchase DU 80.00
6467128408 Purchase Standard 80.00
6468436651 Refinance_Equity_Takeout Stated 80.00
6469758467 Purchase DU 77.00
6479238013 Purchase Stated 90.00
6480956397 Purchase Standard 80.00
6482155089 Purchase DU 80.00
6484761546 Purchase Stated 78.00
6500902256 Refinance_Equity_Takeout Stated 69.56
6503160290 Purchase Paper Saver 95.00
6505886314 Purchase Standard 80.00
6512406098 Purchase DU 80.00
6516460828 Refinance_Equity_Takeout Stated 69.36
6517282643 Purchase Stated 79.95
6521168713 Purchase DU 97.00
6525452709 Purchase Standard 80.00
6525886021 Refinance_Equity_Takeout Stated 73.04
6526850794 Refinance_Equity_Takeout Stated 58.06
6530208013 Purchase Stated 86.78
6532140610 Refinance_Equity_Takeout Stated 72.05
6537995257 Refinance_Equity_Takeout Stated 72.25
6541184393 Purchase Standard 80.00
6544060343 Purchase Standard 79.98
6546776516 Refinance_Equity_Takeout Stated 78.72
6547806650 Purchase Stated 64.10
6550485756 Purchase Standard 80.00
6552573856 Refinance_Equity_Takeout Stated 63.78
6553440162 Refinance_No_Cash_Out Stated 80.00
6554928017 Purchase Standard 79.99
6555444832 Refinance_Equity_Takeout Stated 78.54
6557852529 Refinance_Equity_Takeout Stated 80.00
6566583065 Purchase Standard 80.00
6573262026 Purchase Standard 80.00
6575586380 Refinance_Equity_Takeout No Ratio 40.63
6577162669 Purchase DU 79.16
6581207807 Purchase Standard 80.00
6582032352 Purchase Standard 80.00
6582561681 Purchase Standard 80.00
6584603408 Purchase DU 80.00
6586198910 Purchase DU 80.00
6589356564 Purchase Standard 80.00
6600511254 Refinance_No_Cash_Out Standard 80.00
6605570248 Purchase Standard 80.00
6606220025 Purchase Standard 80.00
6611826832 Purchase Standard 80.00
6613780581 Purchase DU 80.00
6614006424 Purchase Standard 80.00
6617801730 Purchase Standard 80.00
6618633710 Refinance_Equity_Takeout Stated 67.31
6620439999 Purchase Standard 97.00
6620466125 Purchase Stated 90.00
6621308904 Purchase Standard 80.00
6621627618 Refinance_Equity_Takeout Stated 79.36
6631490387 Purchase DU 80.00
6636521897 Purchase Standard 80.00
6643290502 Refinance_Equity_Takeout Stated 80.00
6650372524 Purchase DU 80.00
6658413957 Purchase Standard 80.00
6660372456 Construction_Permanent Stated 78.12
6665520638 Purchase Standard 80.00
6673284714 Purchase DU 80.00
6677502814 Purchase DU 80.00
6678023448 Purchase Stated 80.00
6681636194 Purchase Stated 22.07
6683163833 Purchase Standard 80.00
6691353756 Purchase Standard 80.00
6694314789 Purchase No Ratio 80.00
6697995253 Purchase Standard 80.00
6706633598 Refinance_Equity_Takeout Stated 80.00
6707600877 Purchase Standard 79.99
6711877180 Refinance_Equity_Takeout Stated 80.00
6713099155 Purchase Stated 80.00
6725605262 Refinance_No_Cash_Out Stated 90.00
6726523340 Purchase DU 80.00
6737343738 Purchase Standard 80.00
6743811082 Refinance_No_Cash_Out Stated 60.00
6745043510 Refinance_No_Cash_Out Standard 78.23
6750130301 Purchase Standard 80.00
6750812213 Purchase Standard 80.00
6758127986 Purchase Standard 80.00
6758509472 Purchase Standard 76.43
6762663059 Purchase Standard 80.00
6764197510 Purchase Standard 80.00
6767770651 Purchase Standard 80.00
6772132731 Purchase Standard 80.00
6775804914 Refinance_Equity_Takeout Stated 75.71
6777864841 Purchase Stated 80.00
6782802133 Purchase Standard 80.00
6786552668 Purchase Standard 80.00
6791776328 Refinance_Equity_Takeout Stated 77.89
6793060994 Purchase Standard 80.00
6794897667 Purchase Standard 70.00
6797642458 Purchase Standard 80.00
6802328036 Refinance_Equity_Takeout Stated 41.36
6817451039 Refinance_Equity_Takeout Stated 76.54
6817591370 Purchase Standard 80.00
6825138529 Purchase Stated 89.99
6831799355 Refinance_Equity_Takeout Stated 50.00
6833296566 Refinance_Equity_Takeout Stated 42.98
6833982793 Purchase Standard 80.00
6841005827 Purchase Stated 80.00
6842399757 Purchase Standard 80.00
6844601226 Purchase DU 80.00
6849073678 Refinance_Equity_Takeout Stated 65.60
6851386695 Purchase Stated 80.00
6852848313 Refinance_Equity_Takeout Stated 80.00
6855676125 Purchase Standard 80.00
6861464474 Purchase Standard 80.00
6861911334 Purchase Standard 79.54
6864054652 Purchase Standard 80.00
6874524744 Refinance_No_Cash_Out Stated 94.15
6875206424 Purchase Stated 67.41
6877999760 Purchase Standard 76.71
6878827788 Purchase Stated 80.00
6881880857 Refinance_Equity_Takeout Stated 80.00
6889526791 Purchase Standard 79.99
6893489994 Purchase Standard 80.00
6898087363 Refinance_No_Cash_Out Stated 75.00
6900979888 Purchase Standard 100.0
6912498364 Purchase Standard 80.00
6913853435 Refinance_Equity_Takeout Stated 63.58
6916189332 Purchase Standard 80.00
6916338376 Purchase Standard 80.00
6917909191 Purchase Stated 60.00
6919818978 Purchase Standard 55.00
6920882625 Purchase DU 80.00
6925390020 Purchase No Ratio 47.84
6925417112 Purchase Standard 80.00
6929029574 Purchase Standard 80.00
6930624215 Purchase Paper Saver 95.00
6931169343 Purchase Standard 80.00
6932250902 Construction_Permanent Stated 78.14
6935555943 Purchase DU 79.99
6941038462 Purchase Stated 51.33
6943134012 Refinance_Equity_Takeout Stated 68.42
6943802147 Purchase DU 80.00
6944110508 Purchase Stated 80.00
6945745682 Purchase DU 80.00
6950119161 Purchase Standard 80.00
6957229773 Refinance_Equity_Takeout Stated 71.83
6958831700 Purchase Standard 80.00
6958915537 Purchase Standard 80.00
6961779797 Refinance_Equity_Takeout Stated 29.34
6967052017 Purchase Standard 80.00
6969964326 Purchase Standard 80.00
6977033171 Refinance_No_Cash_Out Stated 50.55
6977078036 Refinance_Equity_Takeout Stated 57.77
6992146990 Refinance_Equity_Takeout Stated 66.43
6993483673 Refinance_No_Cash_Out Stated 57.77
Original
Loan Mortgage Interest Principal First Payment
Number Rate (%) Balance ($) Date
-------------------------------------------------------------------------------
3303005452 6.875 366,160.00 1/1/2006
3303096493 6.75 114,369.00 2/1/2006
3303192235 6.625 208,000.00 1/1/2006
3303205151 7 200,000.00 2/1/2006
3303214203 6.875 304,000.00 2/1/2006
3303223667 6.75 120,720.00 1/1/2006
3303234011 6.75 199,840.00 2/1/2006
3303264711 7 84,000.00 2/1/2006
3303299774 6.75 127,300.00 1/1/2006
3303334530 6.625 164,000.00 1/1/2006
3303347482 6.625 147,200.00 1/1/2006
3303359677 6.625 124,720.00 1/1/2006
3303360063 6.875 96,000.00 1/1/2006
3303363281 6.625 60,000.00 1/1/2006
3303367852 6.625 131,200.00 1/1/2006
3303372936 6.625 30,000.00 1/1/2006
3303377133 6.75 50,960.00 1/1/2006
3303379576 6.875 106,320.00 2/1/2006
3303394963 7 121,920.00 1/1/2006
3303401834 6.875 168,000.00 1/1/2006
3303407146 6.625 128,000.00 2/1/2006
3303408912 6.75 124,400.00 2/1/2006
3303409209 6.75 145,200.00 2/1/2006
3303409464 6.875 128,000.00 2/1/2006
3303414902 6.875 132,000.00 1/1/2006
3303415495 6.625 80,000.00 1/1/2006
3303417525 6.75 135,920.00 1/1/2006
3303420602 6.625 172,000.00 1/1/2006
3303442887 6.75 105,600.00 2/1/2006
3303444099 7 380,000.00 2/1/2006
3303451250 6.75 160,000.00 1/1/2006
3303452845 6.75 275,552.00 2/1/2006
3303455244 6.875 186,000.00 2/1/2006
3303457208 6.75 42,000.00 1/1/2006
3303460871 6.875 58,560.00 2/1/2006
3303462620 6.875 67,920.00 1/1/2006
3303463156 6.875 52,000.00 2/1/2006
3303463438 6.75 103,920.00 1/1/2006
3303474369 6.875 312,000.00 1/1/2006
3303477560 7 239,200.00 1/1/2006
3303479178 7 100,000.00 2/1/2006
3303483683 6.625 86,400.00 1/1/2006
3303484210 6.625 70,400.00 1/1/2006
3303487684 6.875 37,600.00 2/1/2006
3303488468 6.75 78,000.00 2/1/2006
3303488641 6.625 76,000.00 1/1/2006
3303498657 6.875 109,600.00 1/1/2006
3303505238 6.875 119,985.00 2/1/2006
3303510055 7 178,400.00 2/1/2006
3303511665 7 115,200.00 2/1/2006
3303518025 6.875 212,000.00 2/1/2006
3303520054 6.625 109,200.00 2/1/2006
3303524254 6.625 96,809.00 2/1/2006
3303527406 6.75 100,000.00 2/1/2006
3303531077 6.875 124,000.00 2/1/2006
3303533529 6.875 138,400.00 1/1/2006
3303535730 7.125 64,800.00 2/1/2006
3303537173 6.75 72,000.00 2/1/2006
3303537215 7 70,400.00 2/1/2006
3303543726 6.875 175,920.00 2/1/2006
3303543858 6.75 243,200.00 2/1/2006
3303545192 6.625 244,237.00 2/1/2006
3303546968 7.125 200,000.00 2/1/2006
3303547172 6.625 204,000.00 2/1/2006
3303550531 7 200,000.00 2/1/2006
3303556215 7 199,920.00 2/1/2006
3303558468 6.625 81,600.00 2/1/2006
3303561835 7 94,400.00 2/1/2006
3303564201 7.125 99,600.00 2/1/2006
3303564938 7 96,000.00 2/1/2006
3303569036 6.75 76,000.00 2/1/2006
3303582021 6.75 52,000.00 2/1/2006
3303584746 7.125 138,240.00 2/1/2006
3303586931 7 218,832.00 2/1/2006
3303587673 7 96,800.00 2/1/2006
3303592095 6.75 68,700.00 2/1/2006
3303600674 7 191,200.00 2/1/2006
3303610541 6.75 149,600.00 2/1/2006
3303612307 6.75 41,600.00 2/1/2006
3303614535 6.75 145,000.00 2/1/2006
3303624211 6.625 104,000.00 2/1/2006
3303627487 6.875 179,920.00 2/1/2006
3303628048 6.625 224,000.00 2/1/2006
3303647949 6.875 67,200.00 2/1/2006
6001302220 7.625 380,000.00 2/1/2006
6002011853 6.875 118,000.00 1/1/2006
6005100067 6.875 248,500.00 2/1/2006
6010376025 6.625 99,200.00 2/1/2006
6016552801 7 300,000.00 1/1/2006
6016808914 6.875 170,000.00 1/1/2006
6019871844 6.75 144,200.00 1/1/2006
6023618579 6.875 236,800.00 1/1/2006
6031335992 6.875 32,800.00 2/1/2006
6035785937 6.875 299,200.00 2/1/2006
6038302524 6.75 79,600.00 2/1/2006
6039323784 6.875 123,920.00 1/1/2006
6040224120 6.875 92,000.00 2/1/2006
6041705598 6.75 96,000.00 1/1/2006
6043036232 6.75 185,000.00 2/1/2006
6046389448 6.625 112,000.00 2/1/2006
6050324976 6.75 400,000.00 2/1/2006
6050702775 7.375 315,000.00 2/1/2006
6053941842 6.875 61,000.00 2/1/2006
6057596634 6.625 131,100.00 2/1/2006
6059371192 6.625 93,520.00 2/1/2006
6062520041 6.875 264,000.00 1/1/2006
6063014036 6.75 101,600.00 2/1/2006
6069526066 6.75 208,400.00 1/1/2006
6071853755 6.875 64,000.00 1/1/2006
6073115815 6.75 208,000.00 2/1/2006
6075823697 6.875 174,200.00 2/1/2006
6076004354 6.75 100,000.00 1/1/2006
6077848601 6.75 400,000.00 2/1/2006
6089979360 6.625 244,500.00 2/1/2006
6090000214 7.25 127,800.00 2/1/2006
6090375343 6.625 100,000.00 2/1/2006
6091012283 6.625 154,791.00 1/1/2006
6096517351 6.625 28,000.00 1/1/2006
6097974999 6.75 77,850.00 2/1/2006
6099670223 7.25 79,200.00 2/1/2006
6105391236 6.875 238,050.00 1/1/2006
6106684886 6.875 232,000.00 2/1/2006
6109220811 6.875 239,999.00 2/1/2006
6111873037 6.625 227,560.00 2/1/2006
6112025124 6.875 228,000.00 1/1/2006
6118065959 6.75 160,000.00 2/1/2006
6119819636 6.625 160,000.00 2/1/2006
6123763499 6.75 324,000.00 2/1/2006
6125170073 6.875 128,000.00 2/1/2006
6128169064 6.625 127,872.00 1/1/2006
6132145746 7 207,920.00 2/1/2006
6143227632 6.625 314,400.00 1/1/2006
6144304778 6.875 60,471.00 2/1/2006
6145922792 7.75 276,300.00 2/1/2006
6148665026 6.75 144,000.00 2/1/2006
6152420623 6.75 224,000.00 1/1/2006
6155213132 6.625 331,428.00 2/1/2006
6159653598 6.75 171,200.00 2/1/2006
6160231772 6.625 179,200.00 2/1/2006
6163587527 6.625 30,800.00 1/1/2006
6165156370 6.75 103,000.00 1/1/2006
6165575140 6.625 138,000.00 1/1/2006
6168616735 6.625 125,400.00 2/1/2006
6179922338 6.625 253,000.00 2/1/2006
6185826382 6.625 120,000.00 1/1/2006
6191915278 6.875 247,000.00 1/1/2006
6196526286 6.875 142,400.00 1/1/2006
6198069145 7.125 250,000.00 2/1/2006
6200473608 6.75 87,300.00 1/1/2006
6203330458 6.875 160,000.00 1/1/2006
6205024711 7.125 71,500.00 2/1/2006
6209746988 7 348,000.00 1/1/2006
6222537661 6.625 119,840.00 2/1/2006
6226161294 6.875 92,600.00 2/1/2006
6231771830 6.625 207,120.00 1/1/2006
6238837303 7 93,600.00 1/1/2006
6241581179 6.75 96,800.00 1/1/2006
6241800421 6.75 97,600.00 1/1/2006
6242226444 6.625 342,000.00 1/1/2006
6243745863 7 88,000.00 1/1/2006
6245657934 6.75 124,000.00 2/1/2006
6245687691 6.75 199,500.00 1/1/2006
6256173722 6.625 111,900.00 2/1/2006
6258529905 6.625 340,000.00 1/1/2006
6263546654 7.375 204,000.00 2/1/2006
6264838563 7.125 100,000.00 2/1/2006
6265782471 6.875 51,920.00 11/1/2005
6266203188 6.875 170,400.00 2/1/2006
6266633020 6.75 112,000.00 1/1/2006
6273403292 6.875 192,000.00 1/1/2006
6275380084 7.25 275,000.00 2/1/2006
6278891681 7.5 191,400.00 2/1/2006
6280379360 7.25 148,000.00 1/1/2006
6282289708 6.625 104,800.00 1/1/2006
6289998822 6.875 225,600.00 2/1/2006
6298146231 6.625 176,000.00 1/1/2006
6301738578 6.875 123,120.00 2/1/2006
6303476144 6.875 360,000.00 2/1/2006
6305928217 6.625 90,000.00 1/1/2006
6306928901 6.75 52,000.00 1/1/2006
6308874301 6.625 75,600.00 1/1/2006
6310232795 6.875 103,200.00 2/1/2006
6316716452 6.875 120,000.00 1/1/2006
6319280753 6.875 108,000.00 2/1/2006
6320404434 7 350,000.00 1/1/2006
6340203576 6.625 124,000.00 2/1/2006
6350230741 7.125 123,200.00 2/1/2006
6365014619 7.375 281,500.00 2/1/2006
6365069597 6.875 96,000.00 2/1/2006
6366294566 6.875 101,550.00 2/1/2006
6368834369 6.625 80,640.00 1/1/2006
6369679656 6.75 134,864.00 1/1/2006
6370336692 7.125 121,500.00 1/1/2006
6371247039 6.75 171,200.00 1/1/2006
6377445082 7.375 84,000.00 2/1/2006
6382526678 6.875 385,000.00 2/1/2006
6383080048 7.25 226,800.00 1/1/2006
6384807266 6.875 96,000.00 1/1/2006
6391738173 6.625 163,136.00 1/1/2006
6400590474 7 228,000.00 2/1/2006
6402137522 6.75 125,000.00 2/1/2006
6404992023 6.625 102,400.00 2/1/2006
6406634631 6.625 132,000.00 1/1/2006
6408006531 6.875 163,880.00 1/1/2006
6412675222 6.75 162,900.00 2/1/2006
6415134060 7.5 110,400.00 2/1/2006
6417018618 7 164,000.00 2/1/2006
6417857197 7 128,700.00 1/1/2006
6421328854 6.75 223,000.00 1/1/2006
6429451187 6.875 367,500.00 2/1/2006
6438880822 6.875 108,000.00 2/1/2006
6440812136 6.625 208,457.00 12/1/2005
6441295513 6.875 133,472.00 2/1/2006
6443552929 6.625 112,000.00 2/1/2006
6448827706 6.75 250,000.00 1/1/2006
6448830338 6.75 152,800.00 2/1/2006
6452028902 6.625 385,000.00 1/1/2006
6462497410 6.625 103,200.00 2/1/2006
6463135175 6.75 189,320.00 2/1/2006
6467128408 6.875 84,800.00 2/1/2006
6468436651 6.625 180,000.00 1/1/2006
6469758467 6.75 385,000.00 1/1/2006
6479238013 7.75 278,100.00 2/1/2006
6480956397 6.625 295,200.00 1/1/2006
6482155089 6.75 66,400.00 2/1/2006
6484761546 7.25 236,730.00 1/1/2006
6500902256 6.875 80,000.00 1/1/2006
6503160290 6.625 63,650.00 1/1/2006
6505886314 6.625 132,000.00 2/1/2006
6512406098 6.625 63,600.00 2/1/2006
6516460828 7 274,000.00 1/1/2006
6517282643 7.125 76,200.00 2/1/2006
6521168713 6.875 87,300.00 1/1/2006
6525452709 6.625 52,000.00 2/1/2006
6525886021 6.75 252,000.00 1/1/2006
6526850794 6.875 270,000.00 2/1/2006
6530208013 6.875 400,000.00 2/1/2006
6532140610 6.875 263,000.00 2/1/2006
6537995257 7 224,000.00 2/1/2006
6541184393 6.875 380,000.00 2/1/2006
6544060343 6.625 143,500.00 1/1/2006
6546776516 6.625 185,000.00 2/1/2006
6547806650 6.625 100,000.00 2/1/2006
6550485756 7.25 304,000.00 2/1/2006
6552573856 6.875 340,000.00 1/1/2006
6553440162 6.75 256,000.00 2/1/2006
6554928017 6.625 183,900.00 2/1/2006
6555444832 6.875 216,000.00 2/1/2006
6557852529 6.875 352,800.00 2/1/2006
6566583065 6.875 108,000.00 2/1/2006
6573262026 6.625 200,000.00 1/1/2006
6575586380 6.875 296,600.00 2/1/2006
6577162669 6.625 76,000.00 2/1/2006
6581207807 7.125 99,120.00 2/1/2006
6582032352 6.75 364,000.00 2/1/2006
6582561681 7 110,320.00 1/1/2006
6584603408 6.625 127,920.00 2/1/2006
6586198910 6.75 128,000.00 2/1/2006
6589356564 6.875 103,200.00 2/1/2006
6600511254 7.125 124,000.00 2/1/2006
6605570248 6.625 151,920.00 2/1/2006
6606220025 6.875 78,000.00 10/1/2005
6611826832 6.75 146,320.00 2/1/2006
6613780581 6.625 58,000.00 1/1/2006
6614006424 6.75 416,000.00 2/1/2006
6617801730 6.875 102,000.00 2/1/2006
6618633710 6.625 279,350.00 1/1/2006
6620439999 7.125 43,650.00 2/1/2006
6620466125 7.875 243,810.00 1/1/2006
6621308904 7.125 121,600.00 2/1/2006
6621627618 6.875 100,000.00 1/1/2006
6631490387 6.875 64,000.00 2/1/2006
6636521897 6.875 60,800.00 2/1/2006
6643290502 6.875 360,000.00 1/1/2006
6650372524 6.75 156,000.00 2/1/2006
6658413957 6.75 152,800.00 1/1/2006
6660372456 6.875 375,000.00 1/1/2006
6665520638 7.125 175,200.00 2/1/2006
6673284714 6.75 130,000.00 1/1/2006
6677502814 6.625 193,600.00 2/1/2006
6678023448 6.75 312,000.00 2/1/2006
6681636194 6.625 85,000.00 1/1/2006
6683163833 6.625 68,000.00 1/1/2006
6691353756 6.625 112,705.00 1/1/2006
6694314789 6.875 100,000.00 1/1/2006
6697995253 7 156,000.00 2/1/2006
6706633598 6.625 140,000.00 2/1/2006
6707600877 6.625 184,796.00 2/1/2006
6711877180 6.875 300,000.00 2/1/2006
6713099155 6.75 400,200.00 1/1/2006
6725605262 6.875 126,000.00 2/1/2006
6726523340 6.625 127,120.00 1/1/2006
6737343738 6.625 253,600.00 1/1/2006
6743811082 6.625 366,000.00 1/1/2006
6745043510 6.625 133,000.00 1/1/2006
6750130301 6.75 131,200.00 2/1/2006
6750812213 6.625 71,800.00 1/1/2006
6758127986 6.75 69,600.00 1/1/2006
6758509472 7.125 66,500.00 1/1/2006
6762663059 6.875 161,600.00 2/1/2006
6764197510 6.625 146,400.00 2/1/2006
6767770651 6.625 68,720.00 1/1/2006
6772132731 6.625 227,200.00 2/1/2006
6775804914 6.75 265,000.00 2/1/2006
6777864841 6.625 271,200.00 1/1/2006
6782802133 7 100,800.00 2/1/2006
6786552668 6.625 134,400.00 2/1/2006
6791776328 6.625 177,600.00 1/1/2006
6793060994 6.625 152,000.00 2/1/2006
6794897667 6.875 121,800.00 2/1/2006
6797642458 7 133,600.00 2/1/2006
6802328036 6.625 78,600.00 1/1/2006
6817451039 7.375 62,000.00 1/1/2006
6817591370 6.625 116,000.00 1/1/2006
6825138529 6.875 252,440.00 2/1/2006
6831799355 6.75 300,000.00 1/1/2006
6833296566 6.875 187,000.00 1/1/2006
6833982793 6.625 49,600.00 1/1/2006
6841005827 7 100,400.00 2/1/2006
6842399757 6.625 191,920.00 1/1/2006
6844601226 6.75 131,920.00 1/1/2006
6849073678 6.875 285,400.00 2/1/2006
6851386695 6.625 140,000.00 2/1/2006
6852848313 6.875 304,000.00 1/1/2006
6855676125 7 332,000.00 2/1/2006
6861464474 6.75 123,200.00 2/1/2006
6861911334 6.875 200,000.00 2/1/2006
6864054652 6.75 129,600.00 1/1/2006
6874524744 6.625 161,000.00 2/1/2006
6875206424 6.75 120,000.00 2/1/2006
6877999760 7 65,900.00 2/1/2006
6878827788 6.75 248,000.00 1/1/2006
6881880857 6.625 336,000.00 1/1/2006
6889526791 6.875 289,900.00 1/1/2006
6893489994 6.625 128,000.00 1/1/2006
6898087363 6.875 128,250.00 2/1/2006
6900979888 6.875 135,000.00 1/1/2006
6912498364 6.625 195,600.00 1/1/2006
6913853435 7.25 349,700.00 1/1/2006
6916189332 6.625 60,000.00 2/1/2006
6916338376 7 296,000.00 1/1/2006
6917909191 6.75 225,000.00 1/1/2006
6919818978 6.75 132,000.00 2/1/2006
6920882625 6.75 112,720.00 1/1/2006
6925390020 6.75 122,000.00 2/1/2006
6925417112 6.625 110,400.00 2/1/2006
6929029574 6.875 175,992.00 1/1/2006
6930624215 6.625 61,750.00 1/1/2006
6931169343 6.75 172,000.00 2/1/2006
6932250902 6.75 199,602.00 1/1/2006
6935555943 6.625 97,159.00 1/1/2006
6941038462 6.625 385,000.00 2/1/2006
6943134012 6.75 260,000.00 2/1/2006
6943802147 6.75 90,400.00 1/1/2006
6944110508 6.625 264,000.00 1/1/2006
6945745682 7.125 163,920.00 2/1/2006
6950119161 6.75 200,000.00 1/1/2006
6957229773 6.875 176,000.00 2/1/2006
6958831700 6.625 142,000.00 1/1/2006
6958915537 6.875 101,600.00 1/1/2006
6961779797 6.625 135,000.00 2/1/2006
6967052017 6.75 92,640.00 2/1/2006
6969964326 6.625 119,680.00 2/1/2006
6977033171 7 203,800.00 2/1/2006
6977078036 7 260,000.00 1/1/2006
6992146990 6.625 287,000.00 1/1/2006
6993483673 6.625 260,000.00 2/1/2006
Loan Maturity Original Monthly Current
Number Date Term (Months) Payment ($) Due Date
-----------------------------------------------------------------------------
3303005452 12/1/2035 360 2,405.42 3/1/2006
3303096493 1/1/2036 360 741.80 3/1/2006
3303192235 12/1/2035 360 1,331.85 3/1/2006
3303205151 1/1/2036 360 1,330.61 2/1/2006
3303214203 1/1/2036 360 1,997.07 3/1/2006
3303223667 12/1/2035 360 782.99 3/1/2006
3303234011 1/1/2036 360 1,296.16 3/1/2006
3303264711 1/1/2036 360 558.86 3/1/2006
3303299774 12/1/2035 360 825.67 3/1/2006
3303334530 12/1/2035 360 1,050.12 3/1/2006
3303347482 12/1/2035 360 942.54 2/1/2006
3303359677 12/1/2035 360 798.60 3/1/2006
3303360063 12/1/2035 360 630.66 3/1/2006
3303363281 12/1/2035 360 384.19 3/1/2006
3303367852 12/1/2035 360 840.09 3/1/2006
3303372936 12/1/2035 360 192.10 3/1/2006
3303377133 12/1/2035 360 330.53 3/1/2006
3303379576 1/1/2036 360 698.45 3/1/2006
3303394963 12/1/2035 360 811.14 3/1/2006
3303401834 12/1/2035 360 1,103.65 3/1/2006
3303407146 1/1/2036 360 819.60 3/1/2006
3303408912 1/1/2036 360 806.86 3/1/2006
3303409209 1/1/2036 360 941.77 3/1/2006
3303409464 1/1/2036 360 840.87 3/1/2006
3303414902 12/1/2035 360 867.15 3/1/2006
3303415495 12/1/2035 360 512.25 3/1/2006
3303417525 12/1/2035 360 881.58 3/1/2006
3303420602 12/1/2035 360 1,101.34 3/1/2006
3303442887 1/1/2036 360 684.92 3/1/2006
3303444099 1/1/2036 360 2,528.15 3/1/2006
3303451250 12/1/2035 360 1,037.76 1/1/2006
3303452845 1/1/2036 360 1,787.23 3/1/2006
3303455244 1/1/2036 360 1,221.89 3/1/2006
3303457208 12/1/2035 360 272.42 3/1/2006
3303460871 1/1/2036 360 384.70 3/1/2006
3303462620 12/1/2035 360 446.19 3/1/2006
3303463156 1/1/2036 360 341.61 3/1/2006
3303463438 12/1/2035 360 674.03 3/1/2006
3303474369 12/1/2035 360 2,049.62 2/1/2006
3303477560 12/1/2035 360 1,591.41 3/1/2006
3303479178 1/1/2036 360 665.31 3/1/2006
3303483683 12/1/2035 360 553.23 2/1/2006
3303484210 12/1/2035 360 450.78 2/1/2006
3303487684 1/1/2036 360 247.01 3/1/2006
3303488468 1/1/2036 360 505.91 2/1/2006
3303488641 12/1/2035 360 486.64 2/1/2006
3303498657 12/1/2035 360 720.00 3/1/2006
3303505238 1/1/2036 360 788.22 2/1/2006
3303510055 1/1/2036 360 1,186.90 2/1/2006
3303511665 1/1/2036 360 766.43 3/1/2006
3303518025 1/1/2036 360 1,392.69 2/1/2006
3303520054 1/1/2036 360 699.22 3/1/2006
3303524254 1/1/2036 360 619.88 3/1/2006
3303527406 1/1/2036 360 648.60 3/1/2006
3303531077 1/1/2036 360 814.60 3/1/2006
3303533529 12/1/2035 360 909.19 3/1/2006
3303535730 1/1/2036 360 436.57 3/1/2006
3303537173 1/1/2036 360 467.00 3/1/2006
3303537215 1/1/2036 360 468.38 3/1/2006
3303543726 1/1/2036 360 1,155.67 2/1/2006
3303543858 1/1/2036 360 1,577.40 3/1/2006
3303545192 1/1/2036 360 1,563.88 3/1/2006
3303546968 1/1/2036 360 1,347.44 3/1/2006
3303547172 1/1/2036 360 1,306.24 3/1/2006
3303550531 1/1/2036 360 1,330.61 3/1/2006
3303556215 1/1/2036 360 1,330.08 3/1/2006
3303558468 1/1/2036 360 522.50 3/1/2006
3303561835 1/1/2036 360 628.05 3/1/2006
3303564201 1/1/2036 360 671.03 3/1/2006
3303564938 1/1/2036 360 638.70 3/1/2006
3303569036 1/1/2036 360 492.94 3/1/2006
3303582021 1/1/2036 360 337.28 2/1/2006
3303584746 1/1/2036 360 931.35 3/1/2006
3303586931 1/1/2036 360 1,455.90 3/1/2006
3303587673 1/1/2036 360 644.02 2/1/2006
3303592095 1/1/2036 360 445.59 3/1/2006
3303600674 1/1/2036 360 1,272.06 3/1/2006
3303610541 1/1/2036 360 970.31 3/1/2006
3303612307 1/1/2036 360 269.82 3/1/2006
3303614535 1/1/2036 360 940.47 3/1/2006
3303624211 1/1/2036 360 665.93 3/1/2006
3303627487 1/1/2036 360 1,181.95 3/1/2006
3303628048 1/1/2036 360 1,434.30 2/1/2006
3303647949 1/1/2036 360 441.46 2/1/2006
6001302220 1/1/2036 360 2,689.62 3/1/2006
6002011853 12/1/2035 360 775.18 3/1/2006
6005100067 1/1/2036 360 1,632.47 2/1/2006
6010376025 1/1/2036 360 635.19 3/1/2006
6016552801 12/1/2035 360 1,995.91 3/1/2006
6016808914 12/1/2035 360 1,116.78 3/1/2006
6019871844 12/1/2035 360 935.28 2/1/2006
6023618579 12/1/2035 360 1,555.61 3/1/2006
6031335992 1/1/2036 360 215.48 3/1/2006
6035785937 1/1/2036 360 1,965.54 3/1/2006
6038302524 1/1/2036 360 516.29 3/1/2006
6039323784 12/1/2035 360 814.07 3/1/2006
6040224120 1/1/2036 360 604.38 3/1/2006
6041705598 12/1/2035 360 622.66 3/1/2006
6043036232 1/1/2036 360 1,199.91 2/1/2006
6046389448 1/1/2036 360 717.15 3/1/2006
6050324976 1/1/2036 360 2,594.40 2/1/2006
6050702775 1/1/2036 360 2,175.63 3/1/2006
6053941842 1/1/2036 360 400.73 3/1/2006
6057596634 1/1/2036 360 839.45 2/1/2006
6059371192 1/1/2036 360 598.82 3/1/2006
6062520041 12/1/2035 360 1,734.30 3/1/2006
6063014036 1/1/2036 360 658.98 2/1/2006
6069526066 12/1/2035 360 1,351.68 3/1/2006
6071853755 12/1/2035 360 420.44 3/1/2006
6073115815 1/1/2036 360 1,349.09 2/1/2006
6075823697 1/1/2036 360 1,144.38 2/1/2006
6076004354 12/1/2035 360 648.60 3/1/2006
6077848601 1/1/2036 360 2,594.40 3/1/2006
6089979360 1/1/2036 360 1,565.57 2/1/2006
6090000214 1/1/2036 360 871.83 4/1/2006
6090375343 1/1/2036 360 640.32 3/1/2006
6091012283 12/1/2035 360 991.15 3/1/2006
6096517351 12/1/2035 360 179.29 3/1/2006
6097974999 1/1/2036 360 504.94 3/1/2006
6099670223 1/1/2036 360 540.29 2/1/2006
6105391236 12/1/2035 360 1,563.82 2/1/2006
6106684886 1/1/2036 360 1,524.08 3/1/2006
6109220811 1/1/2036 360 1,576.63 3/1/2006
6111873037 1/1/2036 360 1,457.10 2/1/2006
6112025124 12/1/2035 360 1,497.80 3/1/2006
6118065959 1/1/2036 360 1,037.76 3/1/2006
6119819636 1/1/2036 360 1,024.50 3/1/2006
6123763499 1/1/2036 360 2,101.46 3/1/2006
6125170073 1/1/2036 360 840.87 3/1/2006
6128169064 12/1/2035 360 818.78 3/1/2006
6132145746 1/1/2036 360 1,383.30 3/1/2006
6143227632 12/1/2035 360 2,013.14 2/1/2006
6144304778 1/1/2036 360 397.26 3/1/2006
6145922792 1/1/2036 360 1,979.45 2/1/2006
6148665026 1/1/2036 360 933.99 2/1/2006
6152420623 12/1/2035 360 1,452.86 3/1/2006
6155213132 1/1/2036 360 2,122.17 3/1/2006
6159653598 1/1/2036 360 1,110.40 3/1/2006
6160231772 1/1/2036 360 1,147.44 3/1/2006
6163587527 12/1/2035 360 197.22 3/1/2006
6165156370 12/1/2035 360 668.06 2/1/2006
6165575140 12/1/2035 360 883.63 2/1/2006
6168616735 1/1/2036 360 802.95 2/1/2006
6179922338 1/1/2036 360 1,619.99 3/1/2006
6185826382 12/1/2035 360 768.38 2/1/2006
6191915278 12/1/2035 360 1,622.62 3/1/2006
6196526286 12/1/2035 360 935.47 2/1/2006
6198069145 1/1/2036 360 1,684.30 3/1/2006
6200473608 12/1/2035 360 566.23 3/1/2006
6203330458 12/1/2035 360 1,051.09 2/1/2006
6205024711 1/1/2036 360 481.71 3/1/2006
6209746988 12/1/2035 360 2,315.26 2/1/2006
6222537661 1/1/2036 360 767.35 3/1/2006
6226161294 1/1/2036 360 608.32 3/1/2006
6231771830 12/1/2035 360 1,326.22 3/1/2006
6238837303 12/1/2035 360 622.73 3/1/2006
6241581179 12/1/2035 360 627.85 3/1/2006
6241800421 12/1/2035 360 633.04 3/1/2006
6242226444 12/1/2035 360 2,189.87 3/1/2006
6243745863 12/1/2035 360 585.47 3/1/2006
6245657934 1/1/2036 360 804.27 3/1/2006
6245687691 12/1/2035 360 1,293.96 3/1/2006
6256173722 1/1/2036 360 716.51 3/1/2006
6258529905 12/1/2035 360 2,177.06 3/1/2006
6263546654 1/1/2036 360 1,408.98 3/1/2006
6264838563 1/1/2036 360 673.72 3/1/2006
6265782471 10/1/2035 360 341.08 2/1/2006
6266203188 1/1/2036 360 1,119.41 3/1/2006
6266633020 12/1/2035 360 726.44 3/1/2006
6273403292 12/1/2035 360 1,261.31 2/1/2006
6275380084 1/1/2036 360 1,875.99 3/1/2006
6278891681 1/1/2036 360 1,338.30 3/1/2006
6280379360 12/1/2035 360 1,009.63 3/1/2006
6282289708 12/1/2035 360 671.05 3/1/2006
6289998822 1/1/2036 360 1,482.04 2/1/2006
6298146231 12/1/2035 360 1,126.95 2/1/2006
6301738578 1/1/2036 360 808.82 3/1/2006
6303476144 1/1/2036 360 2,364.95 2/1/2006
6305928217 12/1/2035 360 576.28 2/1/2006
6306928901 12/1/2035 360 337.28 3/1/2006
6308874301 12/1/2035 360 484.08 3/1/2006
6310232795 1/1/2036 360 677.96 3/1/2006
6316716452 12/1/2035 360 788.32 2/1/2006
6319280753 1/1/2036 360 709.49 3/1/2006
6320404434 12/1/2035 360 2,328.56 2/1/2006
6340203576 1/1/2036 360 793.99 3/1/2006
6350230741 1/1/2036 360 830.03 3/1/2006
6365014619 1/1/2036 360 1,944.26 3/1/2006
6365069597 1/1/2036 360 630.66 3/1/2006
6366294566 1/1/2036 360 667.12 3/1/2006
6368834369 12/1/2035 360 516.35 2/1/2006
6369679656 12/1/2035 360 874.73 3/1/2006
6370336692 12/1/2035 360 818.57 3/1/2006
6371247039 12/1/2035 360 1,110.40 2/1/2006
6377445082 1/1/2036 360 580.17 2/1/2006
6382526678 1/1/2036 360 2,529.18 3/1/2006
6383080048 12/1/2035 360 1,547.18 3/1/2006
6384807266 12/1/2035 360 630.66 2/1/2006
6391738173 12/1/2035 360 1,044.58 3/1/2006
6400590474 1/1/2036 360 1,516.89 3/1/2006
6402137522 1/1/2036 360 810.75 3/1/2006
6404992023 1/1/2036 360 655.68 3/1/2006
6406634631 12/1/2035 360 845.22 2/1/2006
6408006531 12/1/2035 360 1,076.58 3/1/2006
6412675222 1/1/2036 360 1,056.57 3/1/2006
6415134060 1/1/2036 360 771.94 3/1/2006
6417018618 1/1/2036 360 1,091.10 3/1/2006
6417857197 12/1/2035 360 856.25 3/1/2006
6421328854 12/1/2035 360 1,446.38 2/1/2006
6429451187 1/1/2036 360 2,414.22 3/1/2006
6438880822 1/1/2036 360 709.49 3/1/2006
6440812136 11/1/2035 360 1,334.78 2/1/2006
6441295513 1/1/2036 360 876.82 3/1/2006
6443552929 1/1/2036 360 717.15 3/1/2006
6448827706 12/1/2035 360 1,621.50 2/1/2006
6448830338 1/1/2036 360 991.06 3/1/2006
6452028902 12/1/2035 360 2,465.20 3/1/2006
6462497410 1/1/2036 360 660.81 3/1/2006
6463135175 1/1/2036 360 1,227.93 3/1/2006
6467128408 1/1/2036 360 557.08 3/1/2006
6468436651 12/1/2035 360 1,152.57 2/1/2006
6469758467 12/1/2035 360 2,497.11 2/1/2006
6479238013 1/1/2036 360 1,992.35 3/1/2006
6480956397 12/1/2035 360 1,890.20 2/1/2006
6482155089 1/1/2036 360 430.67 3/1/2006
6484761546 12/1/2035 360 1,614.92 3/1/2006
6500902256 12/1/2035 360 525.55 2/1/2006
6503160290 12/1/2035 360 407.56 3/1/2006
6505886314 1/1/2036 360 845.22 3/1/2006
6512406098 1/1/2036 360 407.24 3/1/2006
6516460828 12/1/2035 360 1,822.93 2/1/2006
6517282643 1/1/2036 360 513.38 3/1/2006
6521168713 12/1/2035 360 573.50 3/1/2006
6525452709 1/1/2036 360 332.97 3/1/2006
6525886021 12/1/2035 360 1,634.47 3/1/2006
6526850794 1/1/2036 360 1,773.71 2/1/2006
6530208013 1/1/2036 360 2,627.72 3/1/2006
6532140610 1/1/2036 360 1,727.73 3/1/2006
6537995257 1/1/2036 360 1,490.28 3/1/2006
6541184393 1/1/2036 360 2,496.33 2/1/2006
6544060343 12/1/2035 360 918.85 2/1/2006
6546776516 1/1/2036 360 1,184.58 3/1/2006
6547806650 1/1/2036 360 640.32 4/1/2006
6550485756 1/1/2036 360 2,073.82 3/1/2006
6552573856 12/1/2035 360 2,233.56 2/1/2006
6553440162 1/1/2036 360 1,660.42 3/1/2006
6554928017 1/1/2036 360 1,177.54 3/1/2006
6555444832 1/1/2036 360 1,418.97 3/1/2006
6557852529 1/1/2036 360 2,317.65 2/1/2006
6566583065 1/1/2036 360 709.49 3/1/2006
6573262026 12/1/2035 360 1,280.63 2/1/2006
6575586380 1/1/2036 360 1,948.46 3/1/2006
6577162669 1/1/2036 360 486.64 3/1/2006
6581207807 1/1/2036 360 667.79 3/1/2006
6582032352 1/1/2036 360 2,360.90 3/1/2006
6582561681 12/1/2035 360 733.97 3/1/2006
6584603408 1/1/2036 360 819.09 3/1/2006
6586198910 1/1/2036 360 830.21 3/1/2006
6589356564 1/1/2036 360 677.96 3/1/2006
6600511254 1/1/2036 360 835.42 2/1/2006
6605570248 1/1/2036 360 972.77 3/1/2006
6606220025 9/1/2035 360 512.41 3/1/2006
6611826832 1/1/2036 360 949.03 3/1/2006
6613780581 12/1/2035 360 371.39 3/1/2006
6614006424 1/1/2036 360 2,698.17 3/1/2006
6617801730 1/1/2036 360 670.07 2/1/2006
6618633710 12/1/2035 360 1,788.71 3/1/2006
6620439999 1/1/2036 360 294.08 2/1/2006
6620466125 12/1/2035 360 1,767.80 2/1/2006
6621308904 1/1/2036 360 819.25 3/1/2006
6621627618 12/1/2035 360 656.93 3/1/2006
6631490387 1/1/2036 360 420.44 3/1/2006
6636521897 1/1/2036 360 399.42 3/1/2006
6643290502 12/1/2035 360 2,364.95 3/1/2006
6650372524 1/1/2036 360 1,011.82 3/1/2006
6658413957 12/1/2035 360 991.06 3/1/2006
6660372456 12/1/2035 360 2,463.49 3/1/2006
6665520638 1/1/2036 360 1,180.36 3/1/2006
6673284714 12/1/2035 360 843.18 3/1/2006
6677502814 1/1/2036 360 1,239.65 3/1/2006
6678023448 1/1/2036 360 2,023.63 2/1/2006
6681636194 12/1/2035 360 544.27 3/1/2006
6683163833 12/1/2035 360 435.42 2/1/2006
6691353756 12/1/2035 360 721.67 3/1/2006
6694314789 12/1/2035 360 656.93 3/1/2006
6697995253 1/1/2036 360 1,037.88 3/1/2006
6706633598 1/1/2036 360 896.44 2/1/2006
6707600877 1/1/2036 360 1,183.27 3/1/2006
6711877180 1/1/2036 360 1,970.79 2/1/2006
6713099155 12/1/2035 360 2,595.69 3/1/2006
6725605262 1/1/2036 360 827.74 3/1/2006
6726523340 12/1/2035 360 813.97 3/1/2006
6737343738 12/1/2035 360 1,623.83 2/1/2006
6743811082 12/1/2035 360 2,343.54 2/1/2006
6745043510 12/1/2035 360 851.62 2/1/2006
6750130301 1/1/2036 360 850.97 3/1/2006
6750812213 12/1/2035 360 459.75 1/1/2006
6758127986 12/1/2035 360 451.43 3/1/2006
6758509472 12/1/2035 360 448.03 3/1/2006
6762663059 1/1/2036 360 1,061.60 3/1/2006
6764197510 1/1/2036 360 937.42 3/1/2006
6767770651 12/1/2035 360 440.05 3/1/2006
6772132731 1/1/2036 360 1,454.79 3/1/2006
6775804914 1/1/2036 360 1,718.79 4/1/2006
6777864841 12/1/2035 360 1,736.53 3/1/2006
6782802133 1/1/2036 360 670.63 2/1/2006
6786552668 1/1/2036 360 860.58 3/1/2006
6791776328 12/1/2035 360 1,137.20 3/1/2006
6793060994 1/1/2036 360 973.28 3/1/2006
6794897667 1/1/2036 360 800.14 2/1/2006
6797642458 1/1/2036 360 888.85 2/1/2006
6802328036 12/1/2030 300 536.87 2/1/2006
6817451039 12/1/2035 360 428.22 3/1/2006
6817591370 12/1/2035 360 742.77 3/1/2006
6825138529 1/1/2036 360 1,658.36 3/1/2006
6831799355 12/1/2035 360 1,945.80 2/1/2006
6833296566 12/1/2035 360 1,228.46 2/1/2006
6833982793 12/1/2035 360 317.60 3/1/2006
6841005827 1/1/2036 360 667.97 3/1/2006
6842399757 12/1/2035 360 1,228.89 2/1/2006
6844601226 12/1/2035 360 855.64 3/1/2006
6849073678 1/1/2036 360 1,874.88 3/1/2006
6851386695 1/1/2036 360 896.44 3/1/2006
6852848313 12/1/2035 360 1,997.07 3/1/2006
6855676125 1/1/2036 360 2,208.81 3/1/2006
6861464474 1/1/2036 360 799.08 2/1/2006
6861911334 1/1/2036 360 1,313.86 3/1/2006
6864054652 12/1/2035 360 840.59 2/1/2006
6874524744 1/1/2036 360 1,030.91 3/1/2006
6875206424 1/1/2036 360 778.32 3/1/2006
6877999760 1/1/2036 360 438.44 3/1/2006
6878827788 12/1/2035 360 1,608.53 3/1/2006
6881880857 12/1/2035 360 2,151.45 3/1/2006
6889526791 12/1/2035 360 1,904.44 2/1/2006
6893489994 12/1/2035 360 819.60 3/1/2006
6898087363 1/1/2036 360 842.52 3/1/2006
6900979888 12/1/2035 360 886.86 2/1/2006
6912498364 12/1/2035 360 1,252.45 3/1/2006
6913853435 12/1/2035 360 2,385.58 3/1/2006
6916189332 1/1/2036 360 384.19 3/1/2006
6916338376 12/1/2035 360 1,969.30 3/1/2006
6917909191 12/1/2035 360 1,459.35 3/1/2006
6919818978 1/1/2036 360 856.15 3/1/2006
6920882625 12/1/2035 360 731.10 2/1/2006
6925390020 1/1/2036 360 791.29 3/1/2006
6925417112 1/1/2036 360 706.91 3/1/2006
6929029574 12/1/2035 360 1,156.15 3/1/2006
6930624215 12/1/2035 360 395.40 3/1/2006
6931169343 1/1/2036 360 1,115.59 3/1/2006
6932250902 12/1/2035 360 1,294.62 3/1/2006
6935555943 12/1/2035 360 622.12 3/1/2006
6941038462 1/1/2036 360 2,465.20 3/1/2006
6943134012 1/1/2036 360 1,686.36 3/1/2006
6943802147 12/1/2035 360 586.34 2/1/2006
6944110508 12/1/2035 360 1,690.43 3/1/2006
6945745682 1/1/2036 360 1,104.36 3/1/2006
6950119161 12/1/2035 360 1,297.20 3/1/2006
6957229773 1/1/2036 360 1,156.20 2/1/2006
6958831700 12/1/2035 360 909.25 2/1/2006
6958915537 12/1/2035 360 667.44 3/1/2006
6961779797 1/1/2036 360 864.42 3/1/2006
6967052017 1/1/2036 360 600.87 3/1/2006
6969964326 1/1/2036 360 766.33 3/1/2006
6977033171 1/1/2036 360 1,355.89 3/1/2006
6977078036 12/1/2035 360 1,729.79 3/1/2006
6992146990 12/1/2035 360 1,837.70 3/1/2006
6993483673 1/1/2036 360 1,664.81 3/1/2006
Loan Closing Remaining Scheduled
Number Date Term (Months) Principal Balance ($) FICO
-------------------------------------------------------------------------------
3303005452 11/28/2005 358 365,852.37 778
3303096493 12/12/2005 359 114,369.00 731
3303192235 11/29/2005 358 207,816.48 723
3303205151 12/14/2005 359 200,000.00 696
3303214203 12/5/2005 359 304,000.00 719
3303223667 11/29/2005 358 120,616.06 699
3303234011 12/2/2005 359 199,840.00 767
3303264711 12/12/2005 359 84,000.00 709
3303299774 11/30/2005 358 127,190.39 628
3303334530 11/29/2005 358 163,855.30 680
3303347482 12/1/2005 358 147,070.13 815
3303359677 11/18/2005 358 124,609.96 721
3303360063 11/17/2005 358 95,919.34 784
3303363281 11/23/2005 358 59,947.06 717
3303367852 11/30/2005 358 131,084.24 785
3303372936 11/22/2005 358 29,973.53 787
3303377133 11/28/2005 358 50,916.12 698
3303379576 12/6/2005 359 106,320.00 755
3303394963 12/1/2005 358 121,820.06 753
3303401834 11/30/2005 358 167,858.85 712
3303407146 12/15/2005 359 128,000.00 727
3303408912 12/16/2005 359 124,400.00 733
3303409209 12/15/2005 359 145,200.00 813
3303409464 12/15/2005 359 128,000.00 686
3303414902 11/30/2005 358 131,889.10 770
3303415495 11/29/2005 358 79,929.42 774
3303417525 11/23/2005 358 135,802.97 726
3303420602 11/22/2005 358 171,848.24 729
3303442887 12/27/2005 359 105,600.00 752
3303444099 12/13/2005 359 380,000.00 762
3303451250 11/21/2005 359 159,862.24 808
3303452845 12/22/2005 359 275,552.00 722
3303455244 12/7/2005 359 186,000.00 796
3303457208 11/22/2005 358 41,963.83 702
3303460871 12/2/2005 359 58,560.00 756
3303462620 11/23/2005 358 67,862.94 736
3303463156 12/9/2005 359 52,000.00 688
3303463438 11/30/2005 358 103,830.52 755
3303474369 12/1/2005 358 311,737.88 728
3303477560 11/30/2005 358 239,003.92 734
3303479178 12/5/2005 359 100,000.00 756
3303483683 11/22/2005 358 86,323.77 710
3303484210 11/30/2005 358 70,337.89 691
3303487684 12/2/2005 359 37,600.00 692
3303488468 12/13/2005 359 78,000.00 751
3303488641 11/17/2005 358 75,932.94 693
3303498657 11/21/2005 358 109,507.92 748
3303505238 12/13/2005 359 119,985.00 717
3303510055 12/8/2005 359 178,400.00 776
3303511665 12/9/2005 359 115,200.00 729
3303518025 12/16/2005 359 212,000.00 739
3303520054 12/16/2005 359 109,200.00 698
3303524254 12/12/2005 359 96,809.00 721
3303527406 12/7/2005 359 100,000.00 723
3303531077 12/9/2005 359 124,000.00 799
3303533529 11/29/2005 358 138,283.73 803
3303535730 12/19/2005 359 64,800.00 706
3303537173 12/15/2005 359 72,000.00 722
3303537215 12/6/2005 359 70,400.00 682
3303543726 12/14/2005 359 175,920.00 687
3303543858 12/20/2005 359 243,200.00 776
3303545192 12/6/2005 359 244,237.00 663
3303546968 12/5/2005 359 200,000.00 761
3303547172 12/8/2005 359 204,000.00 780
3303550531 12/30/2005 359 200,000.00 701
3303556215 12/20/2005 359 199,920.00 814
3303558468 12/15/2005 359 81,600.00 787
3303561835 12/19/2005 359 94,400.00 745
3303564201 12/16/2005 359 99,600.00 726
3303564938 12/13/2005 359 96,000.00 697
3303569036 12/16/2005 359 76,000.00 806
3303582021 12/20/2005 359 52,000.00 830
3303584746 12/16/2005 359 138,240.00 713
3303586931 12/22/2005 359 218,832.00 731
3303587673 12/6/2005 359 96,800.00 743
3303592095 12/9/2005 359 68,700.00 791
3303600674 12/16/2005 359 191,200.00 769
3303610541 12/21/2005 359 149,600.00 646
3303612307 12/5/2005 359 41,600.00 705
3303614535 12/2/2005 359 145,000.00 642
3303624211 12/15/2005 359 104,000.00 784
3303627487 12/19/2005 359 179,920.00 751
3303628048 12/22/2005 359 224,000.00 768
3303647949 12/21/2005 359 67,200.00 725
6001302220 12/16/2005 359 380,000.00 785
6002011853 11/28/2005 358 117,900.86 790
6005100067 12/21/2005 359 248,500.00 678
6010376025 12/21/2005 359 99,200.00 758
6016552801 12/5/2005 358 299,754.09 769
6016808914 11/28/2005 358 169,857.18 737
6019871844 11/16/2005 358 144,075.85 695
6023618579 11/30/2005 358 236,601.06 679
6031335992 12/9/2005 359 32,800.00 715
6035785937 12/19/2005 359 299,200.00 685
6038302524 12/6/2005 359 79,597.00 670
6039323784 11/29/2005 358 123,815.89 711
6040224120 12/16/2005 359 92,000.00 734
6041705598 11/17/2005 358 95,917.34 709
6043036232 12/19/2005 359 185,000.00 719
6046389448 12/9/2005 359 112,000.00 761
6050324976 12/14/2005 359 400,000.00 704
6050702775 12/16/2005 359 315,000.00 741
6053941842 12/13/2005 359 61,000.00 698
6057596634 12/15/2005 359 131,100.00 750
6059371192 12/9/2005 359 93,520.00 759
6062520041 12/6/2005 358 263,765.73 673
6063014036 12/19/2005 359 101,600.00 746
6069526066 11/30/2005 358 208,220.57 778
6071853755 12/2/2005 358 63,946.23 696
6073115815 12/16/2005 359 208,000.00 707
6075823697 12/2/2005 359 174,200.00 0
6076004354 11/28/2005 358 99,913.90 694
6077848601 12/15/2005 359 400,000.00 699
6089979360 12/16/2005 359 244,500.00 735
6090000214 12/6/2005 359 127,800.00 627
6090375343 12/14/2005 359 100,000.00 684
6091012283 11/23/2005 358 154,654.43 707
6096517351 11/30/2005 358 27,975.29 769
6097974999 12/6/2005 359 77,850.00 776
6099670223 12/13/2005 359 79,200.00 658
6105391236 11/23/2005 358 237,850.01 758
6106684886 12/9/2005 359 232,000.00 768
6109220811 12/21/2005 359 239,999.00 807
6111873037 12/7/2005 359 227,560.00 749
6112025124 11/17/2005 358 227,808.45 801
6118065959 12/13/2005 359 160,000.00 730
6119819636 12/20/2005 359 160,000.00 683
6123763499 12/12/2005 359 324,000.00 752
6125170073 12/19/2005 359 128,000.00 715
6128169064 11/30/2005 358 127,759.18 669
6132145746 12/9/2005 359 207,920.00 750
6143227632 11/30/2005 358 314,122.61 747
6144304778 12/5/2005 359 60,471.00 749
6145922792 12/14/2005 359 276,300.00 666
6148665026 12/22/2005 359 144,000.00 734
6152420623 11/28/2005 358 223,807.14 756
6155213132 12/15/2005 359 331,428.00 700
6159653598 12/15/2005 359 171,200.00 801
6160231772 12/22/2005 359 179,200.00 775
6163587527 12/2/2005 358 30,705.12 723
6165156370 11/10/2005 358 102,911.32 779
6165575140 11/22/2005 358 137,878.25 798
6168616735 12/12/2005 359 125,400.00 710
6179922338 12/20/2005 359 253,000.00 699
6185826382 12/1/2005 358 119,894.12 692
6191915278 11/23/2005 358 246,792.48 693
6196526286 11/21/2005 358 142,280.36 774
6198069145 12/20/2005 359 250,000.00 700
6200473608 11/23/2005 358 87,224.83 657
6203330458 12/5/2005 358 159,865.58 775
6205024711 12/9/2005 359 71,500.00 667
6209746988 11/22/2005 358 347,714.74 750
6222537661 12/19/2005 359 119,840.00 811
6226161294 12/9/2005 359 92,600.00 810
6231771830 11/23/2005 358 206,937.26 709
6238837303 11/30/2005 358 93,523.18 752
6241581179 11/28/2005 358 96,716.65 745
6241800421 11/23/2005 358 97,515.96 725
6242226444 12/9/2005 358 341,698.25 765
6243745863 11/22/2005 358 87,927.86 690
6245657934 12/9/2005 359 124,000.00 717
6245687691 11/18/2005 358 199,328.23 710
6256173722 12/9/2005 359 111,900.00 747
6258529905 11/23/2005 358 338,658.36 802
6263546654 12/5/2005 359 204,000.00 693
6264838563 12/5/2005 359 100,000.00 714
6265782471 10/4/2005 356 51,445.86 0
6266203188 12/15/2005 359 170,400.00 703
6266633020 11/30/2005 358 111,903.56 770
6273403292 11/28/2005 358 191,838.69 741
6275380084 12/5/2005 359 275,000.00 643
6278891681 12/21/2005 359 191,400.00 666
6280379360 12/1/2005 358 147,884.54 803
6282289708 11/15/2005 358 104,707.53 725
6289998822 12/15/2005 359 225,600.00 666
6298146231 11/28/2005 358 175,844.72 699
6301738578 12/21/2005 359 123,120.00 688
6303476144 12/21/2005 359 360,000.00 718
6305928217 11/18/2005 358 89,920.60 779
6306928901 11/29/2005 358 51,955.22 810
6308874301 11/30/2005 358 75,533.29 727
6310232795 12/27/2005 359 103,200.00 709
6316716452 11/23/2005 358 119,899.18 760
6319280753 12/20/2005 359 108,000.00 754
6320404434 12/5/2005 358 349,713.11 720
6340203576 12/12/2005 359 124,000.00 734
6350230741 12/15/2005 359 123,200.00 754
6365014619 12/21/2005 359 281,500.00 727
6365069597 12/22/2005 359 96,000.00 662
6366294566 12/23/2005 359 101,550.00 718
6368834369 11/18/2005 358 80,568.85 669
6369679656 11/8/2005 358 134,747.88 0
6370336692 11/14/2005 358 121,402.84 723
6371247039 11/29/2005 358 171,052.60 693
6377445082 12/13/2005 359 84,000.00 728
6382526678 12/2/2005 359 385,000.00 703
6383080048 11/21/2005 358 226,623.07 811
6384807266 11/29/2005 358 95,919.34 673
6391738173 11/14/2005 358 162,992.07 736
6400590474 12/21/2005 359 228,000.00 697
6402137522 12/20/2005 359 125,000.00 705
6404992023 12/6/2005 359 102,400.00 685
6406634631 11/29/2005 358 131,883.53 682
6408006531 12/1/2005 358 163,742.32 692
6412675222 12/16/2005 359 162,900.00 699
6415134060 12/7/2005 359 110,400.00 702
6417018618 12/16/2005 359 164,000.00 768
6417857197 12/2/2005 358 128,594.50 701
6421328854 11/17/2005 358 222,808.00 748
6429451187 12/16/2005 359 367,500.00 770
6438880822 12/9/2005 359 108,000.00 780
6440812136 10/13/2005 357 208,088.14 803
6441295513 12/12/2005 359 133,472.00 712
6443552929 12/5/2005 359 112,000.00 669
6448827706 11/28/2005 358 249,784.75 724
6448830338 12/12/2005 359 152,800.00 680
6452028902 11/28/2005 358 384,660.32 682
6462497410 12/16/2005 359 103,200.00 735
6463135175 12/22/2005 359 189,320.00 732
6467128408 12/22/2005 359 84,800.00 695
6468436651 11/30/2005 358 179,841.18 733
6469758467 12/1/2005 358 384,668.52 737
6479238013 12/7/2005 359 278,100.00 649
6480956397 12/1/2005 358 294,939.55 665
6482155089 12/22/2005 359 66,400.00 780
6484761546 11/30/2005 358 236,545.32 690
6500902256 11/16/2005 358 79,932.78 709
6503160290 11/30/2005 358 63,593.84 707
6505886314 12/9/2005 359 132,000.00 713
6512406098 12/22/2005 359 63,600.00 744
6516460828 11/30/2005 358 273,775.40 698
6517282643 12/5/2005 359 76,200.00 684
6521168713 12/1/2005 358 87,226.66 702
6525452709 12/15/2005 359 52,000.00 720
6525886021 11/30/2005 358 251,783.03 697
6526850794 12/14/2005 359 270,000.00 670
6530208013 12/16/2005 359 400,000.00 657
6532140610 12/5/2005 359 263,000.00 774
6537995257 12/6/2005 359 224,000.00 695
6541184393 12/9/2005 359 380,000.00 673
6544060343 11/29/2005 358 143,373.39 760
6546776516 12/13/2005 359 185,000.00 701
6547806650 12/13/2005 359 100,000.00 694
6550485756 12/19/2005 359 304,000.00 779
6552573856 11/21/2005 358 339,714.36 680
6553440162 12/20/2005 359 256,000.00 690
6554928017 12/13/2005 359 183,900.00 732
6555444832 12/6/2005 359 216,000.00 718
6557852529 12/22/2005 359 352,800.00 750
6566583065 12/16/2005 359 108,000.00 708
6573262026 11/25/2005 358 199,823.54 739
6575586380 12/2/2005 359 296,600.00 766
6577162669 12/15/2005 359 76,000.00 712
6581207807 12/15/2005 359 99,120.00 784
6582032352 12/6/2005 359 364,000.00 785
6582561681 11/23/2005 358 110,229.56 773
6584603408 12/16/2005 359 127,693.47 712
6586198910 12/23/2005 359 128,000.00 735
0000000000 12/19/2005 359 103,200.00 782
6600511254 12/20/2005 359 124,000.00 669
6605570248 12/19/2005 359 151,920.00 770
0000000000 8/26/2005 355 77,733.61 722
6611826832 12/15/2005 359 146,320.00 745
6613780581 11/28/2005 358 57,948.82 760
6614006424 12/2/2005 359 416,000.00 690
6617801730 12/5/2005 359 102,000.00 754
0000000000 11/28/2005 358 279,103.53 732
6620439999 12/20/2005 359 43,650.00 643
0000000000 11/29/2005 358 243,642.20 683
6621308904 12/12/2005 359 121,600.00 760
6621627618 11/18/2005 358 99,915.99 757
6631490387 12/6/2005 359 64,000.00 775
6636521897 12/14/2005 359 60,800.00 788
6643290502 11/23/2005 358 359,697.55 692
6650372524 12/19/2005 359 156,000.00 760
6658413957 11/15/2005 358 152,668.44 762
6660372456 12/1/2005 358 374,684.95 730
6665520638 12/12/2005 359 175,200.00 702
0000000000 12/1/2005 358 129,888.07 763
6677502814 12/7/2005 359 193,600.00 683
6678023448 12/13/2005 359 312,000.00 811
6681636194 11/29/2005 358 84,925.00 745
6683163833 11/21/2005 358 67,940.00 696
6691353756 11/30/2005 358 112,605.56 725
6694314789 11/16/2005 358 99,915.99 712
6697995253 12/6/2005 359 156,000.00 678
6706633598 12/12/2005 359 140,000.00 720
0000000000 12/9/2005 359 184,796.00 721
6711877180 12/5/2005 359 300,000.00 688
6713099155 11/22/2005 358 399,855.44 744
6725605262 12/9/2005 359 126,000.00 685
6726523340 11/30/2005 358 127,007.84 694
6737343738 12/1/2005 358 253,376.25 719
6743811082 11/28/2005 358 365,677.08 646
6745043510 11/23/2005 358 132,882.65 684
6750130301 12/20/2005 359 131,200.00 761
6750812213 12/1/2005 358 71,736.65 702
6758127986 11/29/2005 358 69,540.07 720
6758509472 12/1/2005 358 66,446.81 794
6762663059 12/21/2005 359 161,030.98 660
6764197510 12/16/2005 359 146,400.00 678
6767770651 11/10/2005 358 68,659.34 763
6772132731 12/9/2005 359 227,200.00 786
6775804914 12/7/2005 359 265,000.00 732
6777864841 11/30/2005 358 270,960.72 706
6782802133 12/2/2005 359 100,800.00 692
0000000000 12/15/2005 359 134,400.00 761
6791776328 11/28/2005 358 177,443.30 691
6793060994 12/9/2005 359 152,000.00 732
6794897667 12/16/2005 359 121,800.00 699
6797642458 12/19/2005 359 133,600.00 713
6802328036 11/23/2005 298 78,497.07 731
6817451039 12/5/2005 358 61,952.82 802
6817591370 12/2/2005 358 115,895.98 733
0000000000 12/13/2005 359 252,440.00 707
6831799355 11/28/2005 358 299,741.70 771
6833296566 11/29/2005 358 186,842.89 730
6833982793 11/16/2005 358 49,556.23 721
6841005827 12/9/2005 359 100,400.00 691
6842399757 11/29/2005 358 191,750.67 707
6844601226 11/23/2005 358 131,806.41 721
6849073678 12/19/2005 359 285,400.00 700
6851386695 12/20/2005 359 140,000.00 737
6852848313 11/28/2005 358 303,744.60 726
6855676125 12/9/2005 359 332,000.00 662
6861464474 12/23/2005 359 123,200.00 780
6861911334 12/9/2005 359 200,000.00 719
6864054652 11/28/2005 358 129,488.41 719
6874524744 12/14/2005 359 161,000.00 764
6875206424 12/27/2005 359 120,000.00 730
6877999760 12/15/2005 359 65,900.00 661
6878827788 11/23/2005 358 247,786.47 684
6881880857 11/29/2005 358 335,703.55 795
0000000000 11/14/2005 358 289,656.45 662
0000000000 11/14/2005 358 127,887.07 769
0000000000 12/16/2005 359 128,250.00 754
6900979888 11/7/2005 358 134,886.58 707
6912498364 11/29/2005 358 195,426.46 765
6913853435 11/29/2005 358 349,427.19 686
6916189332 12/27/2005 359 60,000.00 670
6916338376 11/30/2005 358 295,757.37 784
6917909191 11/29/2005 358 224,806.28 783
6919818978 12/20/2005 359 132,000.00 809
6920882625 11/23/2005 358 112,622.95 757
6925390020 12/15/2005 359 122,000.00 707
6925417112 12/15/2005 359 110,400.00 790
6929029574 11/23/2005 358 175,844.14 768
6930624215 11/30/2005 358 61,695.51 738
0000000000 12/13/2005 359 172,000.00 742
6932250902 12/1/2005 358 199,430.14 755
6935555943 11/22/2005 358 97,073.27 741
0000000000 12/15/2005 359 385,000.00 758
6943134012 12/20/2005 359 260,000.00 683
6943802147 11/21/2005 358 90,322.16 712
6944110508 11/25/2005 358 263,767.07 799
6945745682 12/6/2005 359 163,920.00 808
6950119161 12/1/2005 358 199,827.80 804
6957229773 12/21/2005 359 176,000.00 726
6958831700 11/30/2005 358 141,874.71 746
6958915537 11/29/2005 358 101,514.64 775
6961779797 12/21/2005 359 135,000.00 708
6967052017 12/16/2005 359 92,640.00 675
6969964326 12/8/2005 359 119,680.00 747
6977033171 12/28/2005 359 203,800.00 744
6977078036 11/30/2005 358 259,786.88 737
6992146990 11/29/2005 358 286,746.78 692
6993483673 12/6/2005 359 260,000.00 691
Loan Count: 367
Scheduled PB
as January 1, 2005: 61,146,614.76
Unpaid PB W/A: 166,612.03
W/A Interest Rate: 6.836
W/A Remaining Term: 359.50
Loan Appraisal Sales
Number Value ($) Price ($)
-----------------------------------------------------------
3303005452 460,000.00 457,700.00
3303096493 143,000.00 142,962.00
3303192235 260,000.00 260,000.00
3303205151 250,000.00 250,000.00
3303214203 380,000.00 380,000.00
3303223667 152,000.00 150,900.00
3303234011 250,000.00 249,800.00
3303264711 110,000.00 105,000.00
3303299774 140,000.00 134,000.00
3303334530 205,000.00 205,000.00
3303347482 184,000.00 184,000.00
3303359677 160,000.00 155,900.00
3303360063 120,000.00 120,000.00
3303363281 76,000.00 75,000.00
3303367852 170,000.00 164,000.00
3303372936 40,000.00 37,500.00
3303377133 64,000.00 63,700.00
3303379576 137,000.00 132,900.00
3303394963 154,000.00 152,400.00
3303401834 210,000.00 210,000.00
3303407146 160,000.00 160,000.00
3303408912 161,000.00 155,500.00
3303409209 183,000.00 181,500.00
3303409464 160,000.00 160,000.00
3303414902 185,000.00 165,000.00
3303415495 140,000.00 100,000.00
3303417525 180,000.00 169,900.00
3303420602 215,000.00 215,000.00
3303442887 134,000.00 132,000.00
3303444099 500,000.00 475,000.00
3303451250 200,000.00 200,000.00
3303452845 344,500.00 344,440.00
3303455244 233,000.00 232,500.00
3303457208 58,000.00 52,500.00
3303460871 74,000.00 73,200.00
3303462620 90,000.00 84,900.00
3303463156 70,000.00 65,000.00
3303463438 135,000.00 129,900.00
3303474369 400,000.00 390,000.00
3303477560 300,000.00 299,000.00
3303479178 175,500.00 125,000.00
3303483683 110,800.00 108,000.00
3303484210 89,000.00 88,000.00
3303487684 47,000.00 47,000.00
3303488468 99,000.00 97,500.00
3303488641 113,079.00 95,000.00
3303498657 137,000.00 137,000.00
3303505238 150,000.00 0.00
3303510055 225,000.00 223,000.00
3303511665 144,000.00 144,000.00
3303518025 265,000.00 265,000.00
3303520054 230,000.00 136,500.00
3303524254 124,000.00 0.00
3303527406 126,000.00 125,000.00
3303531077 155,500.00 155,000.00
3303533529 175,000.00 173,000.00
3303535730 81,000.00 81,000.00
3303537173 90,000.00 90,000.00
3303537215 88,000.00 88,000.00
3303543726 221,000.00 219,900.00
3303543858 340,000.00 304,000.00
3303545192 410,000.00 0.00
3303546968 250,000.00 250,000.00
3303547172 275,000.00 255,000.00
3303550531 318,500.00 250,000.00
3303556215 250,000.00 249,900.00
3303558468 105,000.00 102,000.00
3303561835 132,000.00 118,000.00
3303564201 125,000.00 124,500.00
3303564938 130,000.00 120,000.00
3303569036 95,500.00 95,000.00
3303582021 68,000.00 65,000.00
3303584746 173,000.00 172,800.00
3303586931 290,000.00 273,540.00
3303587673 122,000.00 121,000.00
3303592095 88,000.00 85,875.00
3303600674 244,000.00 239,000.00
3303610541 187,000.00 0.00
3303612307 55,000.00 52,000.00
3303614535 155,000.00 153,500.00
3303624211 133,500.00 130,000.00
3303627487 229,000.00 224,900.00
3303628048 310,000.00 280,000.00
3303647949 88,000.00 84,000.00
6001302220 480,000.00 475,000.00
6002011853 149,000.00 147,500.00
6005100067 355,000.00 0.00
0000000000 126,000.00 124,000.00
0000000000 450,000.00 0.00
6016808914 340,000.00 0.00
6019871844 335,000.00 0.00
6023618579 296,000.00 296,000.00
6031335992 43,000.00 41,000.00
6035785937 374,000.00 0.00
6038302524 99,900.00 99,500.00
6039323784 154,900.00 154,900.00
6040224120 117,000.00 115,000.00
6041705598 120,000.00 120,000.00
6043036232 235,000.00 0.00
6046389448 140,000.00 140,000.00
6050324976 590,000.00 0.00
6050702775 359,000.00 350,000.00
6053941842 140,000.00 140,000.00
6057596634 165,500.00 164,500.00
6059371192 117,000.00 116,900.00
6062520041 330,000.00 330,000.00
6063014036 127,800.00 127,000.00
0000000000 280,000.00 273,000.00
6071853755 80,000.00 0.00
6073115815 260,000.00 260,000.00
0000000000 280,000.00 260,616.00
6076004354 520,000.00 0.00
6077848601 600,000.00 599,000.00
6089979360 700,000.00 0.00
6090000214 150,000.00 142,000.00
6090375343 135,000.00 136,500.00
6091012283 208,000.00 193,489.00
6096517351 39,000.00 35,000.00
6097974999 98,000.00 97,850.00
6099670223 88,000.00 88,000.00
6105391236 265,000.00 264,500.00
6106684886 290,000.00 290,000.00
6109220811 300,000.00 299,999.00
6111873037 285,000.00 284,450.00
0000000000 285,000.00 299,900.00
6118065959 200,000.00 200,000.00
6119819636 236,100.00 0.00
6123763499 500,000.00 0.00
6125170073 161,000.00 160,000.00
6128169064 161,000.00 159,840.00
6132145746 275,000.00 259,900.00
0000000000 400,000.00 393,000.00
6144304778 62,600.00 58,710.00
6145922792 307,000.00 307,000.00
0000000000 180,000.00 180,000.00
6152420623 280,000.00 0.00
6155213132 480,000.00 0.00
0000000000 215,000.00 214,000.00
6160231772 226,000.00 224,000.00
6163587527 39,000.00 38,500.00
6165156370 129,000.00 128,750.00
6165575140 174,000.00 172,500.00
6168616735 170,000.00 167,200.00
6179922338 325,000.00 0.00
6185826382 165,400.00 150,000.00
6191915278 340,000.00 0.00
0000000000 178,000.00 178,000.00
6198069145 318,800.00 0.00
6200473608 90,000.00 90,000.00
6203330458 215,000.00 0.00
6205024711 93,000.00 91,500.00
6209746988 435,000.00 435,000.00
6222537661 149,800.00 149,800.00
6226161294 116,000.00 125,000.00
0000000000 261,000.00 258,900.00
6238837303 117,000.00 117,000.00
6241581179 121,000.00 121,000.00
6241800421 123,000.00 122,000.00
6242226444 745,000.00 0.00
6243745863 117,000.00 110,000.00
6245657934 161,000.00 155,000.00
0000000000 283,000.00 0.00
6256173722 144,000.00 139,909.00
6258529905 440,000.00 425,000.00
0000000000 255,000.00 0.00
6264838563 188,500.00 180,000.00
6265782471 64,900.00 64,900.00
6266203188 213,500.00 213,000.00
6266633020 150,000.00 140,000.00
6273403292 240,000.00 0.00
6275380084 462,000.00 0.00
6278891681 240,000.00 0.00
6280379360 192,000.00 185,000.00
6282289708 133,000.00 131,000.00
6289998822 288,000.00 282,000.00
6298146231 221,500.00 0.00
0000000000 155,000.00 153,900.00
6303476144 650,000.00 0.00
6305928217 113,000.00 112,500.00
0000000000 155,000.00 65,000.00
6308874301 99,000.00 94,500.00
6310232795 129,000.00 129,000.00
6316716452 150,000.00 150,000.00
6319280753 135,000.00 135,000.00
0000000000 645,000.00 0.00
6340203576 155,000.00 155,000.00
6350230741 165,000.00 154,000.00
0000000000 370,000.00 0.00
6365069597 120,000.00 120,000.00
6366294566 175,000.00 0.00
6368834369 101,000.00 100,800.00
6369679656 170,000.00 168,580.00
6370336692 137,000.00 135,000.00
6371247039 214,000.00 214,000.00
6377445082 106,600.00 0.00
6382526678 1,250,000.00 0.00
6383080048 252,000.00 254,000.00
6384807266 122,000.00 120,000.00
0000000000 237,000.00 203,920.00
6400590474 285,000.00 0.00
6402137522 410,000.00 0.00
6404992023 134,000.00 128,000.00
6406634631 166,500.00 165,000.00
0000000000 198,000.00 192,800.00
6412675222 190,000.00 181,000.00
6415134060 138,000.00 0.00
6417018618 220,000.00 205,000.00
6417857197 144,800.00 143,000.00
6421328854 340,000.00 319,000.00
6429451187 525,000.00 490,000.00
6438880822 135,000.00 135,000.00
6440812136 204,000.00 204,000.00
6441295513 170,000.00 166,840.00
6443552929 140,000.00 140,000.00
0000000000 515,000.00 0.00
6448830338 191,000.00 191,000.00
6452028902 530,000.00 0.00
6462497410 129,000.00 129,000.00
6463135175 239,000.00 236,650.00
6467128408 106,000.00 106,000.00
6468436651 225,000.00 0.00
6469758467 500,000.00 501,000.00
6479238013 320,000.00 309,000.00
0000000000 374,000.00 369,000.00
6482155089 85,000.00 83,000.00
6484761546 305,000.00 303,500.00
6500902256 115,000.00 0.00
6503160290 67,000.00 67,000.00
6505886314 168,000.00 165,000.00
6512406098 83,500.00 79,500.00
6516460828 395,000.00 0.00
6517282643 98,000.00 95,300.00
6521168713 91,500.00 90,000.00
6525452709 65,000.00 65,000.00
6525886021 345,000.00 0.00
6526850794 465,000.00 0.00
6530208013 465,000.00 460,900.00
6532140610 365,000.00 0.00
6537995257 310,000.00 0.00
6541184393 477,000.00 475,000.00
6544060343 180,000.00 179,400.00
6546776516 235,000.00 0.00
0000000000 156,000.00 156,000.00
6550485756 390,000.00 380,000.00
6552573856 533,000.00 0.00
6553440162 320,000.00 0.00
6554928017 230,000.00 229,900.00
6555444832 275,000.00 0.00
6557852529 441,000.00 0.00
6566583065 135,000.00 135,000.00
0000000000 270,000.00 250,000.00
6575586380 730,000.00 0.00
6577162669 96,000.00 96,000.00
6581207807 125,000.00 123,900.00
6582032352 455,000.00 455,000.00
6582561681 138,000.00 137,900.00
6584603408 161,000.00 159,900.00
6586198910 160,000.00 160,000.00
0000000000 129,000.00 129,000.00
6600511254 155,000.00 0.00
6605570248 190,000.00 189,900.00
0000000000 110,000.00 97,500.00
6611826832 184,000.00 182,900.00
6613780581 73,000.00 72,500.00
6614006424 550,000.00 520,000.00
6617801730 127,500.00 127,500.00
0000000000 415,000.00 0.00
6620439999 55,000.00 45,000.00
0000000000 290,000.00 270,900.00
6621308904 152,000.00 152,000.00
6621627618 126,000.00 0.00
6631490387 80,000.00 80,000.00
6636521897 78,000.00 76,000.00
6643290502 450,000.00 0.00
6650372524 218,000.00 195,000.00
6658413957 192,000.00 191,000.00
6660372456 480,000.00 509,900.00
6665520638 220,000.00 219,000.00
0000000000 175,000.00 162,500.00
6677502814 242,000.00 242,000.00
6678023448 394,000.00 390,000.00
6681636194 385,000.00 385,000.00
6683163833 88,500.00 85,000.00
6691353756 142,000.00 140,880.00
6694314789 127,000.00 125,000.00
6697995253 195,000.00 195,000.00
6706633598 175,000.00 0.00
0000000000 232,000.00 230,996.00
6711877180 375,000.00 0.00
6713099155 500,500.00 500,250.00
6725605262 140,000.00 140,000.00
6726523340 159,000.00 158,900.00
6737343738 317,000.00 317,000.00
6743811082 610,000.00 0.00
6745043510 170,000.00 0.00
6750130301 175,000.00 164,000.00
6750812213 90,000.00 89,750.00
6758127986 92,700.00 87,000.00
6758509472 87,000.00 90,000.00
6762663059 204,400.00 202,000.00
6764197510 185,000.00 183,000.00
6767770651 86,000.00 85,900.00
6772132731 284,000.00 286,900.00
6775804914 350,000.00 0.00
6777864841 341,000.00 339,000.00
6782802133 130,000.00 126,000.00
0000000000 172,000.00 168,000.00
6791776328 228,000.00 0.00
6793060994 190,000.00 190,000.00
6794897667 175,000.00 174,000.00
6797642458 167,000.00 167,000.00
6802328036 190,000.00 0.00
6817451039 81,000.00 0.00
6817591370 146,000.00 145,000.00
0000000000 281,000.00 280,489.00
6831799355 600,000.00 0.00
6833296566 435,000.00 0.00
6833982793 75,000.00 62,000.00
6841005827 137,000.00 125,500.00
6842399757 239,900.00 239,900.00
6844601226 172,000.00 164,900.00
6849073678 435,000.00 0.00
6851386695 195,000.00 175,000.00
6852848313 380,000.00 0.00
6855676125 415,000.00 415,000.00
6861464474 155,000.00 154,000.00
6861911334 377,000.00 251,435.00
6864054652 165,000.00 162,000.00
6874524744 171,000.00 171,000.00
6875206424 180,000.00 178,000.00
6877999760 88,000.00 85,900.00
6878827788 320,000.00 310,000.00
6881880857 420,000.00 0.00
0000000000 396,000.00 362,400.00
0000000000 162,000.00 160,000.00
0000000000 171,000.00 0.00
6900979888 135,000.00 135,000.00
6912498364 245,000.00 244,500.00
6913853435 550,000.00 0.00
6916189332 75,000.00 75,000.00
6916338376 378,000.00 370,000.00
6917909191 384,000.00 375,000.00
6919818978 244,000.00 240,000.00
6920882625 144,200.00 140,900.00
6925390020 265,000.00 255,000.00
6925417112 140,000.00 138,000.00
6929029574 220,000.00 219,990.00
6930624215 150,000.00 65,000.00
0000000000 217,000.00 215,000.00
6932250902 256,000.00 255,432.00
6935555943 132,000.00 121,449.00
0000000000 750,000.00 750,000.00
6943134012 380,000.00 0.00
6943802147 113,000.00 113,000.00
6944110508 331,000.00 330,000.00
6945745682 206,000.00 204,900.00
6950119161 255,000.00 250,000.00
6957229773 245,000.00 0.00
6958831700 177,500.00 177,500.00
6958915537 127,000.00 127,000.00
6961779797 460,000.00 0.00
6967052017 116,000.00 115,800.00
6969964326 150,000.00 149,600.00
6977033171 403,100.00 0.00
6977078036 450,000.00 0.00
6992146990 432,000.00 0.00
6993483673 450,000.00 0.00
EXHIBIT E
REQUEST FOR RELEASE OF DOCUMENTS
[date]
To: Xxxxx Fargo Bank, N.A.
0000 00xx Xxxxxx, X.X.
Xxxxxxxxxxx, Xxxxxxxxx 00000-0000
Attn: Inventory Control (BoALT 2006-1)
Re: The Pooling and Servicing Agreement dated January 30, 2006,
among Banc of America Mortgage Securities, Inc., as Depositor,
Bank of America, National Association, as Servicer, and Xxxxx
Fargo Bank, N.A., as Trustee
In connection with the administration of the Mortgage Loans held by you,
as Custodian, 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
____ 2. Foreclosure
____ 3. Substitution
____ 4. Other Liquidation
____ 5. Nonliquidation Reason: ___________________
By:________________________________
(authorized signer of Bank of America,
National Association)
Issuer:____________________________
Address:___________________________
___________________________________
Date:______________________________
Custodian
Xxxxx Fargo Bank, N.A.
Please acknowledge the execution of the above request by your signature and date
below:
_________________________________ ________________
Signature Date
Documents returned to Custodian:
_________________________________ ________________
Custodian Date
EXHIBIT F
FORM OF CERTIFICATION OF ESTABLISHMENT OF ACCOUNT
[Date]
[_______________] hereby certifies that it has established a
[__________] Account pursuant to Section [________] of the Pooling and Servicing
Agreement, dated January 30, 2006, among Banc of America Mortgage Securities,
Inc., as Depositor, Bank of America, National Association, as Servicer, and
Xxxxx Fargo Bank, N.A., as Trustee.
[_______________],
By: _______________________________________
Name: _____________________________________
Title: ____________________________________
EXHIBIT G-1
FORM OF TRANSFEROR CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
Xxxxx Fargo Bank, N.A.
Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx
Xxxxxxxxxxx, Xxxxxxxxx 00000-0000
Attn: Corporate Trust Services - BoALT 2006-1
Re: Banc of America Alternative Loan Trust 2006-1, Mortgage Pass-Through
Certificates, Series 2006-1, Class ___, having an initial aggregate
Certificate Balance as of January 30, 2006 of $______________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[______________] (the "Transferor") to [______________] (the "Transferee") of
the captioned Certificates (the "Transferred Certificates"), pursuant to Section
6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), dated January 30, 2006, among Banc of America Mortgage Securities,
Inc., as Depositor, Bank of America, National Association, as Servicer, and
Xxxxx Fargo Bank, N.A., as Trustee. All capitalized terms used herein and not
otherwise defined shall have the respective meanings set forth in the Pooling
and Servicing Agreement. The Transferor hereby certifies, represents and
warrants to you, as Trustee, that:
1. The Transferor is the lawful owner of the Transferred
Certificates with the full right to transfer such Certificates free from
any and all claims and encumbrances whatsoever.
2. Neither the Transferor nor anyone acting on its behalf has (a)
offered, transferred, pledged, sold or otherwise disposed of any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security to any person in any manner, (b) solicited any
offer to buy or accept a transfer, pledge or other disposition of any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security from any person in any manner, (c) otherwise
approached or negotiated with respect to any Transferred Certificate, any
interest in a Transferred Certificate or any other similar security with
any person in any manner, (d) made any general solicitation with respect
to any Transferred Certificate, any interest in a Transferred Certificate
or any other similar security by means of general advertising or in any
other manner, or (e) taken any other action with respect to any
Transferred Certificate, any interest in a Transferred Certificate or any
other similar security, which (in the case of any of the acts described in
clauses (a) through (e) hereof) would constitute a distribution of the
Transferred Certificates under the Securities Act of 1933, as amended (the
"1933 Act"), would render the disposition of the Transferred Certificates
a violation of Section 5 of the 1933 Act or any state securities laws, or
would require registration or qualification of the Transferred
Certificates pursuant to the 1933 Act or any state securities laws.
Very truly yours,
___________________________________
(Transferor)
By: _______________________________
Name: _____________________________
Title: ____________________________
EXHIBIT G-2A
FORM I OF TRANSFEREE CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
Xxxxx Fargo Bank, N.A.
Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx
Xxxxxxxxxxx, Xxxxxxxxx 00000-0000
Attn: Corporate Trust Services - BoALT 2006-1
Re: Banc of America Alternative Loan Trust 2006-1, Mortgage
Pass-Through Certificates, Series 2006-1, Class ___,
having an initial aggregate Certificate Balance as of
January 30, 2006 of $[_________]
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________] (the "Transferor") to [_________________________________] (the
"Transferee") of the captioned Certificates (the "Transferred Certificates"),
pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling
and Servicing Agreement"), dated January 30, 2006, among Banc of America
Mortgage Securities, Inc., as Depositor, Bank of America, National Association,
as Servicer, and Xxxxx Fargo Bank, N.A., as Trustee. All capitalized terms used
herein and not otherwise defined shall have the respective meanings set forth in
the Pooling and Servicing Agreement. The Transferor hereby certifies, represents
and warrants to you, as Trustee, that:
1. The Transferee is a "qualified institutional buyer" (a "Qualified
Institutional Buyer") as that term is defined in Rule 144A ("Rule 144A")
under the Securities Act of 1933, as amended (the "1933 Act"), and has
completed one of the forms of certification to that effect attached hereto
as Annex 1 and Annex 2. The Transferee is aware that the sale to it is
being made in reliance on Rule 144A. The Transferee is acquiring the
Transferred Certificates for its own account or for the account of another
Qualified Institutional Buyer, and understands that such Transferred
Certificates may be resold, pledged or transferred only (a) to a person
reasonably believed to be a Qualified Institutional Buyer that purchases
for its own account or for the account of another Qualified Institutional
Buyer to whom notice is given that the resale, pledge or transfer is being
made in reliance on Rule 144A, or (b) pursuant to another exemption from
registration under the 1933 Act.
2. The Transferee has been furnished with all information regarding
(a) the Depositor, (b) the Transferred Certificates and distributions
thereon, (c) the nature, performance and servicing of the Mortgage Loans,
(d) the Pooling and Servicing Agreement and the Trust created pursuant
thereto, (e) any credit enhancement mechanism associated with the
Transferred Certificate, and (f) all related matters, that it has
requested.
3. If the Transferee proposes that the Transferred Certificates be
registered in the name of a nominee, such nominee has completed the
Nominee Acknowledgment below.
Very truly yours,
___________________________________
(Transferor)
By: _______________________________
Name: _____________________________
Title: ____________________________
Nominee Acknowledgment
----------------------
The undersigned hereby acknowledges and agrees that as to the
Transferred Certificates being registered in its name, the sole beneficial owner
thereof is and shall be the Transferee identified above, for whom the
undersigned is acting as nominee.
___________________________________
(Nominee)
By: _______________________________
Name: _____________________________
Title: ____________________________
ANNEX 1 TO EXHIBIT G-2A
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Transferees Other Than Registered Investment Companies]
The undersigned hereby certifies as follows to [__________________] (the
"Transferor") and Xxxxx Fargo Bank, N.A., as Trustee, with respect to the
mortgage pass-through certificates (the "Transferred Certificates") described in
the Transferee certificate to which this certification relates and to which this
certification is an Annex:
1. As indicated below, the undersigned is the chief financial officer, a
person fulfilling an equivalent function, or other executive officer of the
entity purchasing the Transferred Certificates (the "Transferee").
2. The Transferee is a "qualified institutional buyer" as that term is
defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended,
because (i) the Transferee owned and/or invested on a discretionary basis
$______________________(1) in securities (other than the excluded securities
referred to below) as of the end of the Transferee's most recent fiscal year
(such amount being calculated in accordance with Rule 144A) and (ii) the
Transferee satisfies the criteria in the category marked below.
___ Corporation, etc. The Transferee is a corporation (other than a
bank, savings and loan association or similar institution),
Massachusetts or similar business trust, partnership, or any
organization described in Section 501(c)(3) of the Internal
Revenue Code of 1986.
___ Bank. The Transferee (a) is a national bank or a banking
institution organized under the laws of any state, U.S. 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,
as of a date not more than 16 months preceding the date of sale
of the Transferred Certificates in the case of a U.S. bank, and
not more than 18 months preceding such date of sale in the case
of a foreign bank or equivalent institution.
___ Savings and Loan. The Transferee (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 institute 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,
as of a date not more than 16 months preceding the date of sale
of the Transferred Certificates in the case of a U.S. savings and
loan association, and not more than 18 months preceding such date
of sale in the case of a foreign savings and loan association or
equivalent institution.
___ Broker-dealer. The Transferee is a dealer registered pursuant
to Section 15 of the Securities Exchange Act of 1934, as amended.
___ Insurance Company. The Transferee 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, U.S.
territory or the District of Columbia.
___ State or Local Plan. The Transferee 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 Transferee is an employee benefit plan within the
meaning of Title I of the Employee Retirement Income Security Act
of 1974.
___ Investment Advisor. The Transferee is an investment advisor
registered under the Investment Advisers Act of 1940.
___ Other. (Please supply a brief description of the entity and a
cross-reference to the paragraph and subparagraph under
subsection (a)(1) of Rule 144A pursuant to which it qualifies.
Note that registered investment companies should complete Annex 2
rather than this Annex 1.)
--------
(1) Transferee must own and/or invest on a discretionary basis at least
$100,000,000 in securities unless Transferee is a dealer, and, in that case,
Transferee must own and/or invest on a discretionary basis at least $10,000,000
in securities.
3. The term "securities" as used herein does not include (i) securities
of issuers that are affiliated with the Transferee, (ii) securities that are
part of an unsold allotment to or subscription by the Transferee, if the
Transferee 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. For purposes of determining the aggregate amount of securities
owned and/or invested on a discretionary basis by the Transferee, the Transferee
did not include any of the securities referred to in this paragraph.
4. For purposes of determining the aggregate amount of securities owned
and/or invested on a discretionary basis by the Transferee, the Transferee used
the cost of such securities to the Transferee, unless the Transferee reports its
securities holdings in its financial statements on the basis of their market
value, and no current information with respect to the cost of those securities
has been published, in which case the securities were valued at market. Further,
in determining such aggregate amount, the Transferee may have included
securities owned by subsidiaries of the Transferee, but only if such
subsidiaries are consolidated with the Transferee in its financial statements
prepared in accordance with generally accepted accounting principles and if the
investments of such subsidiaries are managed under the Transferee's direction.
However, such securities were not included if the Transferee is a
majority-owned, consolidated subsidiary of another enterprise and the Transferee
is not itself a reporting company under the Securities Exchange Act of 1934, as
amended.
5. The Transferee is familiar with Rule 144A and understands that the
Transferor and other parties related to the Transferred Certificates are relying
and will continue to rely on the statements made herein because one or more
sales to the Transferee may be in reliance on Rule 144A.
____ ____ Will the Transferee be purchasing the Transferred
Yes No Certificates only for the Transferee's own account?
6. If the answer to the foregoing question is "no," then in each case
where the Transferee is purchasing for an account other than its own, such
account belongs to a third party that is itself a "qualified institutional
buyer" within the meaning of Rule 144A, and the "qualified institutional buyer"
status of such third party has been established by the Transferee through one or
more of the appropriate methods contemplated by Rule 144A.
7. The Transferee 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 Transferee's purchase of the Transferred
Certificates will constitute a reaffirmation of this certification as of the
date of such purchase. In addition, if the Transferee is a bank or savings and
loan as provided above, the Transferee agrees that it will furnish to such
parties any updated annual financial statements that become available on or
before the date of such purchase, promptly after they become available.
___________________________________
Print Name of Transferee
By:_______________________________
Name:_____________________________
Title:____________________________
Date:_____________________________
ANNEX 2 TO EXHIBIT G-2A
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
[For Transferees That Are Registered Investment Companies]
The undersigned hereby certifies as follows to [_________________] (the
"Transferor") and Xxxxx Fargo Bank, N.A., as Trustee, with respect to the
mortgage pass-through certificates (the "Transferred Certificates") described in
the Transferee certificate to which this certification relates and to which this
certification is an Annex:
1. As indicated below, the undersigned is the chief financial officer, a
person fulfilling an equivalent function, or other executive officer of the
entity purchasing the Transferred Certificates (the "Transferee") or, if the
Transferee is a "qualified institutional buyer" as that term is defined in Rule
144A ("Rule 144A") under the Securities Act of 1933, as amended, because the
Transferee is part of a Family of Investment Companies (as defined below), is an
executive officer of the investment adviser (the "Adviser").
2. The Transferee is a "qualified institutional buyer" as defined in
Rule 144A because (i) the Transferee is an investment company registered under
the Investment Company Act of 1940, and (ii) as marked below, the Transferee
alone owned and/or invested on a discretionary basis, or the Transferee's Family
of Investment Companies owned, at least $100,000,000 in securities (other than
the excluded securities referred to below) as of the end of the Transferee's
most recent fiscal year. For purposes of determining the amount of securities
owned by the Transferee or the Transferee's Family of Investment Companies, the
cost of such securities was used, unless the Transferee or any member of the
Transferee's Family of Investment Companies, as the case may be, reports its
securities holdings in its financial statements on the basis of their market
value, and no current information with respect to the cost of those securities
has been published, in which case the securities of such entity were valued at
market.
____ The Transferee owned and/or invested on a discretionary basis
$____________________ in securities (other than the excluded
securities referred to below) as of the end of the Transferee's
most recent fiscal year (such amount being calculated in
accordance with Rule 144A).
____ The Transferee is part of a Family of Investment Companies which
owned in the aggregate $__________________ in securities (other
than the excluded securities referred to below) as of the end of
the Transferee's most recent fiscal year (such amount being
calculated in accordance with Rule 144A).
3. The term "Family of Investment Companies" as used herein means two or
more registered investment companies (or series thereof) that have the same
investment adviser or investment advisers that are affiliated (by virtue of
being majority owned subsidiaries of the same parent or because one investment
adviser is a majority owned subsidiary of the other).
4. The term "securities" as used herein does not include (i) securities
of issuers that are affiliated with the Transferee or are part of the
Transferee's Family of Investment Companies, (ii) bank deposit notes and
certificates of deposit, (iii) loan participations, (iv) repurchase agreements,
(v) securities owned but subject to a repurchase agreement and (vi) currency,
interest rate and commodity swaps. For purposes of determining the aggregate
amount of securities owned and/or invested on a discretionary basis by the
Transferee, or owned by the Transferee's Family of Investment Companies, the
securities referred to in this paragraph were excluded.
5. The Transferee is familiar with Rule 144A and understands that the
Transferor and other parties related to the Transferred Certificates are relying
and will continue to rely on the statements made herein because one or more
sales to the Transferee will be in reliance on Rule 144A.
____ ____ Will the Transferee be purchasing the Transferred
Yes No Certificates only for the Transferee's own account?
6. If the answer to the foregoing question is "no," then in each case
where the Transferee is purchasing for an account other than its own, such
account belongs to a third party that is itself a "qualified institutional
buyer" within the meaning of Rule 144A, and the "qualified institutional buyer"
status of such third party has been established by the Transferee through one or
more of the appropriate methods contemplated by Rule 144A.
7. The undersigned will notify the parties to which this certification
is made of any changes in the information and conclusions herein. Until such
notice, the Transferee's purchase of the Transferred Certificates will
constitute a reaffirmation of this certification by the undersigned as of the
date of such purchase.
___________________________________
Print Name of Transferee or Adviser
By: _______________________________
Name: _____________________________
Title: ____________________________
IF AN ADVISER:
___________________________________
Print Name of Transferee
By:_______________________________
Date:_____________________________
EXHIBIT G-2B
FORM II OF TRANSFEREE CERTIFICATE
FOR TRANSFERS OF PRIVATE CERTIFICATES
[Date]
Xxxxx Fargo Bank, N.A.
Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx
Xxxxxxxxxxx, Xxxxxxxxx 00000-0000
Attn: Corporate Trust Services - BoALT 2006-1
Re: Banc of America Alternative Loan Trust 2006-1, Mortgage
Pass-Through Certificates, Series 2006-1, Class ___,
having an initial aggregate Certificate Principal
Balance as of January 30, 2006 of $_________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________________] (the "Transferor") to [_____________________________]
(the "Transferee") of the captioned Certificates (the "Transferred
Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement
(the "Pooling and Servicing Agreement"), dated January 30, 2006, among Banc of
America Mortgage Securities, Inc., as Depositor, Bank of America, National
Association, as Servicer, and Xxxxx Fargo Bank, N.A., as Trustee. All
capitalized terms used herein and not otherwise defined shall have the
respective meanings set forth in the Pooling and Servicing Agreement. The
Transferor hereby certifies, represents and warrants to you, as Trustee, that:
1. Transferee is acquiring the Transferred Certificates for its own
account for investment and not with a view to or for sale or transfer in
connection with any distribution thereof, in whole or in part, in any manner
which would violate the Securities Act of 1933, as amended (the "1933 Act"), or
any applicable state securities laws.
2. Transferee understands that (a) the Transferred Certificates have not
been and will not be registered under the 1933 Act or registered or qualified
under any applicable state securities laws, (b) neither the Depositor nor the
Trustee is obligated so to register or qualify the Transferred Certificates and
(c) neither the Transferred Certificates nor any security issued in exchange
therefor or in lieu thereof may be resold or transferred unless such resale or
transfer is exempt from the registration requirements of the 1933 Act and any
applicable state securities laws or is made in accordance with the 1933 Act and
laws, in which case (i) unless the transfer is made in reliance on Rule 144A
under the 1933 Act, the Trustee or the Depositor may require a written Opinion
of Counsel (which may be in-house counsel) acceptable to and in form and
substance reasonably satisfactory to the Trustee and the Depositor that such
transfer may be made pursuant to an exemption, describing the applicable
exemption and the basis therefor, from the 1933 Act and such laws or is being
made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not
be an expense of the Trustee or the Depositor and (ii) the Trustee shall require
a certificate from the Certificateholder desiring to effect such transfer
substantially in the form attached to the Pooling and Servicing Agreement as
Exhibit G-1 and a certificate from such Certificateholder's prospective
transferee substantially in the form attached to the Pooling and Servicing
Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall
not be an expense of the Trustee or the Depositor; provided that the foregoing
requirements under clauses (i) and (ii) shall not apply to a transfer of a
Private Certificate between or among the Depositor, the Seller, their affiliates
or both.
3. The Transferee understands that it may not sell or otherwise transfer
the Transferred Certificates, any security issued in exchange therefor or in
lieu thereof or any interest in the foregoing except in compliance with the
provisions of Section 6.02 of the Pooling and Servicing Agreement, which
provisions it has carefully reviewed, and that the Transferred Certificates will
bear legends substantially to the following effect:
THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF
1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS
CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE
MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE
1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND
SERVICING AGREEMENT REFERENCED HEREIN.
UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON
BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN
INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME
SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE INTERNAL REVENUE CODE OF
1986, AS AMENDED (THE "CODE"), OR ANY FEDERAL, STATE OR LOCAL LAW
("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A
"PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF
ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE
MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A
REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE
TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY
SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE
OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO
PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS
SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS
EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)),
THERE IS NO BENEFIT PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH
GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY
OR ON BEHALF OF SUCH BENEFIT PLAN AND ALL OTHER BENEFIT PLANS MAINTAINED
BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1)
OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE
TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH
AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF
ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT
ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN
FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE
EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF
OF SUCH PLAN WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED
TRANSACTION WITHIN THE MEANING OF ERISA, SECTION 4975 OF THE CODE OR
SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE
TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING
AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR
ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS
REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING
SENTENCE UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION
LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE
TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY
ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER
RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY
PURPORTED TRANSFEREE.
4. Neither the Transferee nor anyone acting on its behalf has (a)
offered, transferred, pledged, sold or otherwise disposed of any Transferred
Certificate, any interest in a Transferred Certificate or any other similar
security to any person in any manner, (b) solicited any offer to buy or accept a
transfer, pledge or other disposition of any Transferred Certificate, any
interest in a Transferred Certificate or any other similar security from any
person in any manner, (c) otherwise approached or negotiated with respect to any
Transferred Certificate, any interest in a Transferred Certificate or any other
similar security with any person in any manner, (d) made any general
solicitation by means of general advertising or in any other manner, or (e)
taken any other action, that (in the case of any of the acts described in
clauses (a) through (e) above) would constitute a distribution of the
Transferred Certificates under the 1933 Act, would render the disposition of the
Transferred Certificates a violation of Section 5 of the 1933 Act or any state
securities law or would require registration or qualification of the Transferred
Certificates pursuant thereto. The Transferee will not act, nor has it
authorized nor will it authorize any person to act, in any manner set forth in
the foregoing sentence with respect to the Transferred Certificates, any
interest in the Transferred Certificates or any other similar security.
5. The Transferee has been furnished with all information regarding (a)
the Depositor, (b) the Transferred Certificates and distributions thereon, (c)
nature, performance and servicing of the Mortgage Loans., (d) the Pooling and
Servicing Agreement and the Trust created pursuant thereto, (e) any credit
enhancement mechanism associated with the Transferred Certificates, and (f) all
related matters, that it has requested.
6. The Transferee is an "accredited investor" within the meaning of
paragraph (1), (2), (3) or (7) of Rule 501 (a) under the 1933 Act or an entity
in which all the equity owners come within such paragraphs and has such
knowledge and experience in financial and business matters as to be capable of
evaluating the merits and risks of an investment in the Transferred
Certificates; the Transferee has sought such accounting, legal and tax advice as
it has considered necessary to make an informed investment decision; and the
Transferee is able to bear the economic risks of such an investment and can
afford a complete loss of such investment.
7. If the Transferee proposes that the Transferred Certificates be
registered in the name of a nominee, such nominee has completed the Nominee
Acknowledgment below.
Very truly yours,
__________________________________
(Transferee)
By:_______________________________
Name:_____________________________
Title:____________________________
Date:_____________________________
Nominee Acknowledgment
The undersigned hereby acknowledges and agrees that as to the
Transferred Certificates being registered in its name, the sole beneficial owner
thereof is and shall be the Transferee identified above, for whom the
undersigned is acting as nominee.
___________________________________
(Nominee)
By: _______________________________
Name: _____________________________
Title: ____________________________
EXHIBIT H
FORM OF TRANSFEREE REPRESENTATION LETTER
FOR ERISA RESTRICTED CERTIFICATES
Xxxxx Fargo Bank, N.A.
Xxxxx Xxxxxx xxx Xxxxxxxxx Xxxxxx
Xxxxxxxxxxx, Xxxxxxxxx 00000-0000
Attn: Corporate Trust Services - BoALT 2006-1
Re: Banc of America Alternative Loan Trust 2006-1, Mortgage
Pass-Through Certificates, Series 2006-1, Class ___, having an
initial aggregate Certificate Principal Balance as of January
30, 2006 of $_________
Ladies and Gentlemen:
This letter is delivered to you in connection with the transfer by
[_______________________] (the "Transferor") to [_____________________________]
(the "Transferee") of the captioned Certificates (the "Transferred
Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement
(the "Pooling and Servicing Agreement"), dated January 30, 2006, among Banc of
America Mortgage Securities, Inc., as Depositor, Bank of America, National
Association, as Servicer, and Xxxxx Fargo Bank, N.A., as Trustee. All
capitalized terms used herein and not otherwise defined shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
The Transferee hereby certifies, represents and warrants to you, as
Trustee, either that:
(a) it is not, and is not acting on behalf of, an employee benefit plan
or arrangement, including an individual retirement account, subject to the
Employee Retirement Income Security Act of 1974, as amended ("ERISA"), the
Internal Revenue Code of 1986, as amended (the "Code"), or any federal, state or
local law ("Similar Law") which is similar to ERISA or the Code (collectively, a
"Plan"), and it is not using the assets of any such Plan to effect the purchase
of the Transferred Certificates; or
(b) it is an insurance company and the source of funds used to purchase
the Transferred Certificates is an "insurance company general account" (as
defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 ("PTE
95-60"), 60 Fed. Reg. 35925 (July 12, 1995)), there is no Plan with respect to
which the amount of such general account's reserves and liabilities for the
contract(s) held by or on behalf of such Plan and all other Plans maintained by
the same employer (or affiliate thereof as defined in Section V(a)(1) of PTE
95-60) or by the same employee organization exceeds 10% of the total of all
reserves and liabilities of such general account (as such amounts are determined
under Section I(a) of PTE 95-60) at the date of acquisition and all Plans that
have an interest in such general account are Plans to which PTE 95-60 applies.
Capitalized terms used in and not otherwise defined herein shall have the
meaning assigned to them in the Pooling and Servicing Agreement.
Very truly yours,
___________________________________
(Transferee)
By:_______________________________
Name:_____________________________
Title:____________________________
Date:_____________________________
EXHIBIT I
FORM OF AFFIDAVIT REGARDING TRANSFER OF
RESIDUAL CERTIFICATE PURSUANT TO SECTION 6.02
Banc of America Alternative Loan Trust 2006-1
Mortgage Pass-Through Certificates,
Series 2006-1
STATE OF )
) ss:
COUNTY OF )
The undersigned, being first duly sworn, deposes and says as follows:
1. The undersigned is an officer of _______________________________, the
proposed transferee (the "Transferee") of the Class 1-CB-R Certificate (the
"Residual Certificate") issued pursuant to the Pooling and Servicing Agreement,
dated January 30, 2006, (the "Agreement"), relating to the above-referenced
Series, by and among Banc of America Mortgage Securities, Inc., as depositor
(the "Depositor"), Bank of America, National Association, as servicer, and Xxxxx
Fargo Bank, N.A., as trustee. Capitalized terms used but not defined herein
shall have the meanings ascribed to such terms in the Agreement. The Transferee
has authorized the undersigned to make this affidavit on behalf of the
Transferee.
2. The Transferee is, as of the date hereof, and will be, as of the date
of the transfer, a Permitted Transferee. The Transferee is acquiring the
Residual Certificate either (i) for its own account or (ii) as nominee, trustee
or agent for another Person who is a Permitted Transferee and has attached
hereto an affidavit from such Person in substantially the same form as this
affidavit. The Transferee has no knowledge that any such affidavit is false.
3. The Transferee has been advised of, and understands that (i) a tax
will be imposed on Transfers of the Residual Certificate to Persons that are not
Permitted Transferees; (ii) such tax will be imposed on the transferor, or, if
such transfer is through an agent (which includes a broker, nominee or
middleman) for a Person that is not a Permitted Transferee, on the agent; and
(iii) the Person otherwise liable for the tax shall be relieved of liability for
the tax if the subsequent Transferee furnished to such Person an affidavit that
such subsequent Transferee is a Permitted Transferee and, at the time of
transfer, such Person does not have actual knowledge that the affidavit is
false.
4. The Transferee has been advised of, and understands that a tax will
be imposed on a "pass-through entity" holding the Certificate if at any time
during the taxable year of the pass-through entity a Person that is not a
Permitted Transferee is the record Holder of an interest in such entity. The
Transferee understands that, other than in the case of an "electing large
partnership" under Section 775 of the Code, such tax will not be imposed for any
period with respect to which the record Holder furnishes to the pass-through
entity an affidavit that such record Holder is a Permitted Transferee and the
pass-through entity does not have actual knowledge that such affidavit is false.
(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 and, except as may be provided in
Treasury Regulations, persons holding interests in pass-through entities as a
nominee for another Person.)
5. The Transferee has reviewed the provisions of Section 6.02 of the
Agreement and understands the legal consequences of the acquisition of the
Residual Certificate including, without limitation, the restrictions on
subsequent Transfers and the provisions regarding voiding the transfer and
mandatory sales. The Transferee expressly agrees to be bound by and to abide by
the provisions of Section 6.02 of the Agreement and the restrictions noted on
the face of the Certificate. The Transferee understands and agrees that any
breach of any of the representations included herein shall render the transfer
to the Transferee contemplated hereby null and void.
6. The Transferee agrees to require a transfer affidavit in the form of
this Affidavit from any Person to whom the Transferee attempts to transfer the
Residual Certificate, and in connection with any transfer by a Person for whom
the Transferee is acting as nominee, trustee or agent, and the Transferee will
not transfer the Residual Certificate or cause the Residual Certificate to be
transferred to any Person that the Transferee knows is not a Permitted
Transferee.
7. The Transferee historically has paid its debts as they have become
due.
8. The Transferee does not have the intention to impede the assessment
or collection of any tax legally required to be paid with respect to the
Residual Certificate.
9. The taxpayer identification number of the Transferee's nominee is
___________.
10. The Transferee is a U.S. Person as defined in Code Section
7701(a)(30).
11. The Transferee is aware that the Residual Certificate may be a
"noneconomic residual interest" 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.
12. The Transferee will not cause income from the Residual Certificate
to be attributable to a foreign permanent establishment or fixed base, within
the meaning of an applicable income tax treaty, of the Transferee or any other
person.
13. If the Transferee is purchasing the Residual Certificate in a
transfer intended to meet the safe harbor provisions of Treasury Regulations
Sections 1.860E-1(c), the Transferee has executed and attached Attachment A
hereto.
14. The Transferee is not an employee benefit plan or arrangement,
including an individual retirement account, subject to ERISA, the Code or any
federal, state or local law which is similar to ERISA or the Code, and the
Transferee is not acting on behalf of such a plan or arrangement.
* * *
IN WITNESS WHEREOF, the Transferee has caused this instrument to be
executed on its behalf, pursuant to authority of its Board of Directors, by its
duly authorized officer this _____ day of ________________, ____.
___________________________________
Print Name of Transferee
By:_______________________________
Name:_____________________________
Title:____________________________
Personally appeared before me the above-named _______________________,
known or proved to me to be the same person who executed the foregoing
instrument and to be the _______________________ of the Transferee, and
acknowledged that he executed the same as his free act and deed and the free act
and deed of the Transferee.
Subscribed and sworn before me this _____ day of _________________, ____
____________________________________
NOTARY PUBLIC
My Commission expires the ____ day of
______________, ____
ATTACHMENT A
to
AFFIDAVIT PURSUANT TO SECTION 860E(e)(4) OF THE INTERNAL REVENUE CODE
OF 1986, AS AMENDED, AND FOR NON-ERISA INVESTORS
Check the appropriate box:
|_| The consideration paid to the Transferee to acquire the Residual
Certificate equals or exceeds the excess of (a) the present value of the
anticipated tax liabilities over (b) the present value of the
anticipated savings associated with holding such Residual Certificate,
in each case calculated in accordance with U.S. Treasury Regulations
Sections 1.860E-1(c)(7) and (8), computing present values using a
discount rate equal to the short-term Federal rate prescribed by Section
1274(d) of the Code and the compounding period used by the Transferee.
OR
|_| The transfer of the Residual Certificate complies with U.S. Treasury
Regulations Sections 1.860E-1(c)(5) and (6) and, accordingly:
(i) the Transferee is an "eligible corporation," as defined in U.S.
Treasury Regulations Section 1.860E-1(c)(6)(i), as to which
income from Residual Certificate will only be taxed in the United
States;
(ii) at the time of the transfer, and at the close of the Transferee's
two fiscal years preceding the year of the transfer, the
Transferee had gross assets for financial reporting purposes
(excluding any obligation of a person related to the Transferee
within the meaning of U.S. Treasury Regulations Section
1.860E-1(c)(6)(ii)) in excess of $100 million and net assets in
excess of $10 million;
(iii) the Transferee will transfer the Residual Certificate only to
another "eligible corporation," as defined in U.S. Treasury
Regulations Section 1.860E-1(c)(6)(i), in a transaction that
satisfies the requirements of Sections 1.860E-1(c)(4)(i), (ii)
and (iii) and Section 1.860E-1(c)(5) of the U.S. Treasury
Regulations;
(iv) the Transferee has determined the consideration paid to it to
acquire the Residual Certificate based on reasonable market
assumptions (including, but not limited to, borrowing and
investment rates, prepayment and loss assumptions, expense and
reinvestment assumptions, tax rates and other factors specific to
the Transferee) that it has determined in good faith; and
(v) in the event of any transfer of the Residual Certificate by the
Transferee, the Transferee will require its transferee to
complete a representation in the form of this Attachment A as a
condition of such transferee's purchase of the Residual
Certificate.
EXHIBIT J
CONTENTS OF THE SERVICING FILE
1. Copies of Mortgage Loans Documents.
2. Residential loan application.
3. Mortgage Loan closing statement.
4. Verification of employment and income, if required.
5. Verification of acceptable evidence of source and amount of downpayment.
6. Credit report on Mortgagor, in a form acceptable to either Xxxxxx Xxx
or Xxxxxxx Mac.
7. Residential appraisal report.
8. Photograph of the Mortgaged Property.
9. Survey of the Mortgaged Property, unless a survey is not required by the
title insurer.
10. Copy of each instrument necessary to complete identification of any
exception set forth in the exception schedule in the title policy, i.e.,
map or plat, restrictions, easements, home owner association
declarations, etc.
11. Copies of all required disclosure statements.
12. If applicable, termite report, structural engineer's report, water
potability and septic certification.
13. Sales Contract, if applicable.
14. The Primary Insurance Policy or certificate of insurance or an
electronic notation of the existence of such policy, where required
pursuant to the Agreement.
15. Evidence of electronic notation of the hazard insurance policy, and if
required by law, evidence of the flood insurance policy.
EXHIBIT K
FORM OF SPECIAL SERVICING AGREEMENT
This Special Servicing Agreement (the "Agreement") is made and entered
into as of ___________________, between Bank of America, National Association
(the "Servicer") and ___________________ (the "Loss Mitigation Advisor").
PRELIMINARY STATEMENT
_________________ (the "Purchaser") is the holder of the entire interest
in Banc of America Alternative Loan Trust 2006-1; Mortgage Pass-Through
Certificates, Series ______, Class ____ (the "Class B Certificates"). The Class
B Certificates were issued pursuant to a Pooling and Servicing Agreement dated
___________________among Banc of America Mortgage Securities, Inc., as depositor
(the "Depositor"), the Servicer, and Xxxxx Fargo Bank, N.A., as Trustee.
The Purchaser has requested the Servicer to engage the Loss Mitigation
Advisor, at the Purchaser's expense, to assist the Servicer with respect to
default management and reporting situations for the benefit of the Purchaser.
In consideration of the mutual agreements herein contained, the receipt
and sufficiency of which are hereby acknowledged, the Servicer hereby engages
the Loss Mitigation Advisor to provide advice in connection with default
management and reporting situations with respect to defaulted loans, including
providing to the Servicer recommendations with respect to foreclosures, the
acceptance of so-called short payoffs, deeds in lieu of or in aid of foreclosure
and deficiency notes, as well as with respect to the sale of REO properties. The
Loss Mitigation Advisor hereby accepts such engagement, and acknowledges that
its fees will be paid by the Purchaser and not the Servicer, and that it will
not look to the Servicer for financial remuneration. It is the intent of the
parties to this Agreement that the services of the Loss Mitigation Advisor are
provided without fee to the Servicer for the benefit of the Purchaser for the
life of the Class B Certificates.
ARTICLE I
DEFINITIONS
Section 1.01. Defined Terms.
Whenever used in this Agreement, the following words and phrases, unless
the context otherwise requires, shall have the following meanings:
Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a
day on which banking institutions in the State of New York are required or
authorized by law or executive order to be closed.
Commencement of Foreclosure: The first official action required under
local law in order to commence foreclosure proceedings or to schedule a
trustee's sale under a deed of trust, including (i) in the case of a mortgage,
any filing or service of process necessary to commence an action to foreclose,
or (ii) in the case of a deed of trust, the posting, publishing, filing or
delivery of a notice of sale.
Delay of Foreclosure: The postponement for more than three Business Days
of the scheduled sale of Mortgaged Property to obtain satisfaction of a Mortgage
Loan.
Loss Mitigation Advisor: ______________.
Purchaser: _______________________, or the holder of record of the Class
B Certificates.
Short Payoff: Liquidation of a Mortgage Loan at less than the full
amount of the outstanding balance of the Mortgage Loan plus advances and costs
through a negotiated settlement with the borrower, which may include a
deed-in-lieu of foreclosure or sale of the property or of the promissory note
secured by the collateral property to a third party, in either case with or
without a contribution toward any resulting deficiency by the borrower.
Section 1.02. Definitions Incorporated by Reference.
All capitalized terms not otherwise defined in this Agreement shall have
the meanings assigned in the Pooling and Servicing Agreements.
ARTICLE II
SPECIAL SERVICING PROCEDURES
Section 2.01. Reports and Notices.
(a) In connection with the performance of its duties under the Pooling and
Servicing Agreement relating to the realization upon defaulted Mortgage Loans,
the Servicer shall use reasonable efforts to provide to the Loss Mitigation
Advisor with the following notices and reports. All such notices and reports may
be sent to the Loss Mitigation Advisor by telecopier, electronic mail, express
mail or regular mail.
(i) The Servicer shall within five Business Days after each
Distribution Date either: (A) provide to the Loss Mitigation Advisor a
written or electronic report, using the same methodology and
calculations as in its standard servicing reports, indicating for the
trust fund formed by the Pooling and Servicing Agreement, the number of
Mortgage Loans that are (1) sixty days delinquent, (2) ninety days or
more delinquent, (3) in foreclosure or (4) real estate owned (REO), and
indicating for each such Mortgage Loan the loan number, whether the loan
is in bankruptcy or paying under the terms of a repayment plan, the
reason for default, and outstanding principal balance; or (B) provide
the information detailed in (A) to a data service provider of the Loss
Mitigation Advisor's choice in an electronic format acceptable to that
data service provider. Provision of the information to a service
provider other than that specified by the Loss Mitigation Advisor is
acceptable.
(ii) Prior to a Delay of Foreclosure in connection with any
Mortgage Loan, the Servicer shall provide the Loss Mitigation Advisor
with a notice of such proposed and imminent delay, stating the loan
number, the aggregate amount owing under the Mortgage Loan, and the
reason and justification for delaying foreclosure action. All notices
and supporting documentation pursuant to this subsection may be provided
via telecopier, express mail or electronic mail.
(iii) Prior to accepting any Short Payoff in connection with any
Mortgage Loan, the Servicer shall provide the Loss Mitigation Advisor
with a notice of such proposed and imminent Short Payoff, stating the
loan number, the aggregate amount owing under the Mortgage Loan, and the
justification for accepting the proposed Short Payoff. Such notice may
be sent by telecopier, express mail, electronic mail or regular mail.
(iv) Within five (5) business days of each Distribution Date, the
Servicer shall provide the Loss Mitigation Advisor with a report listing
each loan that has resulted in a realized loss that has been reported to
the trustee. Such report shall specify the loan number, the outstanding
principal balance of the loan upon its liquidation, the realized loss,
and the following components of realized loss: foreclosure costs,
advances, mortgage insurance proceeds, marketing and property
rehabilitation costs, and other costs. Such report may be provided by
telecopier, express mail, regular mail or electronic mail. The Loss
Mitigation Advisor shall have at least ten (10) business days in which
to respond with reasonable questions or requests for additional
information regarding the amounts reported as realized losses, and the
Servicer shall within five (5) business days of receipt of the Loss
Mitigation Advisor's questions or additional information requests
provide responses to such questions and requests.
(v) Within five (5) business days of receipt by the Servicer of
an offer to acquire an REO property at an amount that is more than 15%
below the most recent market valuation of that property obtained by the
Servicer (or if no such valuation has been obtained, the appraisal used
in connection with the originating of the related Mortgage Loan), the
Servicer shall notify the Loss Mitigation Advisor of such offer and
shall provide a justification for accepting such offer, if that is the
Servicer's recommendation.
(vi) Within five (5) business days of receipt by the Servicer
that a claim filed for mortgage insurance, or any part thereof, has been
rejected by the mortgage insurance provider, the Servicer shall provide
a copy of the rejected claim with explanations for the item or items
rejected to the Loss Mitigation Advisor.
(vii) Within five (5) business days of providing the trustee with
any notice regarding a mortgage loan substitution, loan modification, or
loan repurchase, the Servicer shall provide the Loss Mitigation Advisor
with a copy of the notice.
(b) If requested by the Loss Mitigation Advisor, the Servicer
shall make its servicing personnel available during its normal business
hours to respond to reasonable inquiries, in writing by facsimile
transmission, express mail or electronic mail, by the Loss Mitigation
Advisor in connection with any Mortgage Loan identified in a report
under subsection 2.01 (a)(i), (a)(ii), (a)(iii) or (a)(iv) which has
been given to the Loss Mitigation Advisor; provided that the Servicer
shall only be required to provide information that is readily accessible
to their servicing personnel.
(c) In addition to the foregoing, the Servicer shall provide to
the Loss Mitigation Advisor such information as the Loss Mitigation
Advisor may reasonably request concerning each Mortgage Loan that is at
least sixty days delinquent and each Mortgage Loan which has become real
estate owned, provided that the Servicer shall only be required to
provide information that is readily accessible to its servicing
personnel.
(d) With respect to all Mortgage Loans which are serviced at any
time by the Servicer through a subservicer, the Servicer shall be
entitled to rely for all purposes hereunder, including for purposes of
fulfilling its reporting obligations under this Section 2.01, on the
accuracy and completeness of any information provided to it by the
applicable subservicer.
Section 2.02. Loss Mitigation Advisor's Recommendations With Respect to
Defaulted Loans.
(a) All parties to this Agreement acknowledge that the Loss Mitigation
Advisor's advice is made in the form of recommendations, and that the Loss
Mitigation Advisor does not have the right to direct the Servicer in performing
its duties under the Pooling and Servicing Agreement. The Servicer may, after
review and analysis of the Loss Mitigation Advisor's recommendation, accept or
reject it, in the Servicer's sole discretion, subject to the standards of the
Servicer to protect the interest of the Certificateholders set forth in the
Pooling and Servicing Agreement.
(b) Within two (2) business days of receipt of a notice of a foreclosure
delay, the Loss Mitigation Advisor shall provide the Servicer with a
recommendation regarding the delay, provided, however, that if additional
information is required on which to base a recommendation, the Loss Mitigation
Advisor shall notify the Servicer of the additional information needed within
the allotted time, and the Servicer shall promptly provide such information and
the Loss Mitigation Advisor shall then submit to the Servicer its
recommendation. The Loss Mitigation Advisor may recommend that additional
procedures be undertaken to further analyze the property, the borrower, or
issues related to the default or foreclosure. Such additional procedures may
include asset searches, property valuations, legal analysis or other procedures
that are warranted by the circumstances of the property, borrower or
foreclosure. The Loss Mitigation Advisor may recommend such other actions as are
warranted by the circumstances of the property, borrower or foreclosure.
(c) Within two (2) business days of receipt of a notice of a proposed
Short Payoff, the Loss Mitigation Advisor shall provide the Servicer with a
recommendation regarding the proposed Short Payoff, provided, however, that if
additional information is required on which to base a recommendation, the Loss
Mitigation Advisor shall notify the Servicer of the additional information
needed within two business days, and the Servicer shall promptly provide such
information and the Loss Mitigation Advisor shall then submit to the Servicer
its recommendation. The Loss Mitigation Advisor's recommendation may take the
form of concurring with the proposed Short Payoff, recommending against such
Short Payoff, with a justification provided, or proposing a counteroffer.
(d) Within two (2) business days of receipt of a notice of an REO sale at
an amount that is more than 15% below the recent market valuation of that
property, the Loss Mitigation Advisor shall provide the Servicer with its
recommendation. The Loss Mitigation Advisor's recommendation may take the form
of concurring with the proposed below-market sale, recommending against such
below-market sale, or proposing a counteroffer.
Section 2.03. Termination.
(a) With respect to all Mortgage Loans included in a trust fund, the
Servicer's obligations under Section 2.01 and Section 2.02 shall terminate at
such time as the Certificate Principal Balances of the related Class B
Certificates have been reduced to zero.
(b) The Loss Mitigation Advisor's responsibilities under this Agreement
shall terminate upon the termination of the fee agreement between the Purchaser
or its successor and the Loss Mitigation Advisor. The Loss Mitigation Advisor
shall promptly notify the Servicer of the date of termination of such fee
agreement, but in no event later than 5:00 P.M., EST, on the effective date
thereof.
(c) Neither the Servicer nor any of its directors, officers, employees or
agents shall be under any liability for any action taken or for refraining from
the taking of any action in good faith pursuant to this Agreement, or for errors
in judgment; provided, however, that this provision shall not protect the
Servicer or any such Person against any liability which would otherwise be
imposed by reason of willful misfeasance, bad faith or gross negligence in the
performance of duties or by reason of reckless disregard of obligations and
duties hereunder. The Servicer and the Loss Mitigation Advisor and any director,
officer, employee or agent thereof 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. Neither the Loss Mitigation Advisor, its directors,
officers, employees or agents shall be under any liability for any actions taken
by the Servicer based upon the recommendation pursuant to this Agreement,
provided they are made in good faith.
ARTICLE III
MISCELLANEOUS PROVISIONS
Section 3.01. Amendment.
This Agreement may be amended from time to time by the Servicer and the
Loss Mitigation Advisor by written agreement signed by the Servicer and the Loss
Mitigation Advisor.
Section 3.02. Counterparts.
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 3.03. Governing Law.
This Agreement shall be construed in accordance with the laws of the State
of New York and the obligations, rights and remedies of the parties hereunder
shall be determined in accordance with such laws.
Section 3.04. Notices.
All demands, notices and direction hereunder shall be in writing or by
telecopier and shall be deemed effective upon receipt to:
(a) in the case of the Servicer,
Bank of America, National Association
000 Xxxxx Xxxxx Xxxxxx
Xxxxxxxxx, Xxxxx Xxxxxxxx 00000
Attn: Secondary Marketing with a copy to the General Counsel
or such other address as may hereafter be furnished in writing by the Servicer,
(b) in the case of the Loss Mitigation Advisor,
______________________________
(c) in the case of the Purchaser:
______________________________
Section 3.05. Severability of Provisions.
If any one or more of the covenants, agreements, provisions or terms of
this Agreement shall be for any reason whatsoever, including regulatory, 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.
Section 3.06. Successors and Assigns.
(a) The provisions of this Agreement shall be binding upon and inure to
the benefit of the respective successors and assigns of the parties hereto, and
all such provisions shall inure to the benefit of the Certificateholders.
(b) The Servicer shall notify the Loss Mitigation Advisor of the
assignment of its duties to any successor servicer within thirty (30) days prior
to such assignment, and shall provide the name, address, telephone number and
telecopier number for the successor to the Loss Mitigation Advisor.
Section 3.07. 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 3.08. Confidentiality.
The Servicer acknowledges the confidentiality of this Agreement and will
not release or republish its contents without the consent of the Loss Mitigation
Advisor except to the extent required by law, regulation or court order.
The Loss Mitigation Advisor agrees that all information supplied by or on
behalf of the Servicer under this Agreement, is the property of the Servicer.
The Loss Mitigation Advisor shall keep in strictest confidence all information
relating to this Agreement, including, without limitation, individual account
information and other information supplied by or on behalf of the Servicer
pursuant to Section 2.01, and that information which may be acquired in
connection with or as a result of this Agreement. During the term of this
Agreement and at any time thereafter, without the prior written consent of the
Servicer, the Loss Mitigation Advisor shall not publish, communicate, divulge,
disclose or use any of such information. Upon termination or expiration of this
Agreement, the Loss Mitigation Advisor shall deliver all records, data,
information, and other documents and all copies thereof supplied by or on behalf
of the Servicer pursuant to Section 2.01 to the Servicer and such shall remain
the property of the Servicer.
Section 3.09. Independent Contractor.
In all matters relating to this Agreement, the Loss Mitigation Advisor
shall be acting as an independent contractor. Neither the Loss Mitigation
Advisor nor any employees of the Loss Mitigation Advisor are employees or agents
of the Servicer under the meaning or application of any Federal or State
Unemployment or Insurance Laws or Workmen's Compensation Laws, or otherwise. The
Loss Mitigation Advisor shall assume all liabilities or obligations imposed by
any one or more of such laws with respect to the employees of the Loss
Mitigation Advisor in the performance of this Agreement. The Loss Mitigation
Advisor shall not have any authority to assume or create any obligation, express
or implied, on behalf of the Servicer, and the Loss Mitigation Advisor shall not
have the authority to represent itself as an agent, employee, or in any other
capacity of the Servicer.
IN WITNESS WHEREOF, the Servicer and the Loss Mitigation Advisor have
caused their names to be signed hereto by their respective officers thereunto
duly authorized, all as of the day and year first above written.
Bank of America, National Association
By: _______________________________
Name: _____________________________
Title: ____________________________
Loss Mitigation Advisor
________________________
By:_________________________________
Name:
Title:
PURCHASER'S ACKNOWLEDGEMENT AND AGREEMENT
Purchaser executes this agreement for the purpose of acknowledging the limited
obligations of the Servicer in respect of the Loss Mitigation Advisor's
recommendation, as described in Section 2.02(a) hereof and confirming to the
Servicer that (i) it shall be solely responsible for the payment of the fees of
the Loss Mitigation Advisor pursuant to the terms of an agreement between
Purchaser and Loss Mitigation Advisor dated _____________, 20__ and (ii)
Purchaser upon transfer of its interest in any of the Class B Certificates or
any part thereof will require its successor to consent to this Special Servicing
Agreement and to pay any of the fees due to the Loss Mitigation Advisor pursuant
to the agreement referenced in clause (i) above.
Purchaser
By: _______________________________
Name: _____________________________
Title: ____________________________
EXHIBIT L
LIST OF RECORDATION STATES
Florida
Maryland
EXHIBIT M
FORM OF INITIAL CERTIFICATION OF THE TRUSTEE
January 30, 0000
Xxxx xx Xxxxxxx Mortgage Securities, Inc.
Secondary Marketing
000 Xxxxx Xxxxx Xxxxxx
Xxxxxxxxx, Xxxxx Xxxxxxxx 00000
NC1-022-05-10
Attn: Xxxxxx Xxxxxxx
Bank of America, National Association
Secondary Marketing
000 Xxxxx Xxxxx Xxxxxx
Xxxxxxxxx, Xxxxx Xxxxxxxx 00000
NC1-022-05-10
Attn: Xxxxxx Xxxxxxx
Xxxxx Fargo Bank, N.A.
0000 Xxx Xxxxxxxxx Xxxx
Xxxxxxxx, Xxxxxxxx 00000
Attn: BOAALT 2006-1
Re: Banc of America Mortgage Securities, Inc. Banc of America
Alternative Loan Trust 2006-1 Mortgage Pass-Through
Certificates, Series 2006-1, issued pursuant to a Pooling and
Servicing Agreement, dated January 30, 2006, among Banc of
America Mortgage Securities, Inc., as Depositor, Bank of
America, National Association, as Servicer, and Xxxxx Fargo
Bank, N.A., as Trustee
Ladies and Gentlemen:
In accordance with the provisions of Section 2.02 of the
above-referenced Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), the undersigned, as Trustee, hereby certifies that, except as
specified in any list of exceptions attached hereto, either (i) it has received
the original Mortgage Note relating to each of the Mortgage Loans listed on the
Mortgage Loan Schedule or (ii) if such original Mortgage Note has been lost, a
copy of such original Mortgage Note, together with a lost note affidavit.
The Trustee has made no independent examination of any documents
contained in each Mortgage File beyond the review specifically required in the
Pooling and Servicing Agreement in connection with this Initial Certification.
The Trustee makes no representations as to: (i) the validity, legality,
sufficiency, enforceability, recordability or genuineness of any of the
documents contained in each Mortgage File or any of the Mortgage Loans
identified in the Mortgage Loan Schedule or (ii) the collectibility,
insurability, effectiveness or suitability of any such Mortgage Loan.
Capitalized terms used but not defined herein shall have the meanings
ascribed to such terms in the Pooling and Servicing Agreement.
XXXXX FARGO BANK, N.A.,
as Trustee
By: _______________________________
Name: _____________________________
Title: ____________________________
EXHIBIT N
FORM OF FINAL CERTIFICATION OF THE TRUSTEE
[____________ __, ____]
Banc of America Mortgage Securities, Inc.
Secondary Marketing
000 Xxxxx Xxxxx Xxxxxx
Xxxxxxxxx, Xxxxx Xxxxxxxx 00000
NC1-022-05-10
Attn: Xxxxxx Xxxxxxx
Bank of America, National Association
Secondary Marketing
000 Xxxxx Xxxxx Xxxxxx
Xxxxxxxxx, Xxxxx Xxxxxxxx 00000
NC1-022-05-10
Attn: Xxxxxx Xxxxxxx
Xxxxx Fargo Bank, N.A.
0000 Xxx Xxxxxxxxx Xxxx
Xxxxxxxx, Xxxxxxxx 00000
Attn: BOAALT 2006-1
Re: Banc of America Mortgage Securities, Inc. Banc of America
Alternative Loan Trust 2006-1 Mortgage Pass-Through
Certificates, Series 2006-1, issued pursuant to a Pooling and
Servicing Agreement, dated January 30, 2006, among Banc of
America Mortgage Securities, Inc., as Depositor, Bank of
America, National Association, as Servicer, and Xxxxx Fargo
Bank, N.A., as Trustee
Ladies and Gentlemen:
In accordance with the provisions of Section 2.02 of the
above-referenced Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement"), the undersigned, as Trustee, hereby certifies that, as to each
Mortgage Loan listed in the Mortgage Loan Schedule, except as may be specified
in any list of exceptions attached hereto, such Mortgage File contains all of
the items required to be delivered pursuant to Section 2.01(b) of the Pooling
and Servicing Agreement.
The Trustee has made no independent examination of any documents
contained in each Mortgage File beyond the review specifically required in the
Pooling and Servicing Agreement in connection with this Final Certification. The
Trustee makes no representations as to: (i) the validity, legality, sufficiency,
enforceability, recordability or genuineness of any of the documents contained
in each Mortgage File or any of the Mortgage Loans identified in the Mortgage
Loan Schedule or (ii) the collectibility, insurability, effectiveness or
suitability of any such Mortgage Loan.
Capitalized terms used but not defined herein shall have the meanings
ascribed to such terms in the Pooling and Servicing Agreement.
XXXXX FARGO BANK, N.A.,
as Trustee
By: _______________________________
Name: _____________________________
Title: ____________________________
EXHIBIT O
Form of Xxxxxxxx-Xxxxx Certification
Banc of America Alternative Loan Trust 2006-1
Mortgage Pass-Through Certificates,
Series 2006-1
I, [________], a [_____________] of Bank of America, National
Association (the "Servicer"), certify that:
1. I have reviewed this report on Form 10-K and all reports on Form 10-D
required to be filed in respect of the period covered by this report on
Form 10-K of the Banc of America Alternative Loan Trust 0000-0 (xxx
"Xxxxxxxx Xxx Periodic Reports");
2. Based on my knowledge, the Exchange Act Periodic 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 this report;
3. Based on my knowledge, all of the distribution, servicing and other
information required to be provided under Form 10-D for the period covered
by this report is included in the Exchange Act Periodic Reports;
4. I am responsible for reviewing the activities performed by the Servicer
and based upon my knowledge and the compliance review conducted in
preparing the servicer compliance statement required in this report under
Item 1123 of Regulation AB, and except as disclosed in the Exchange Act
Periodic Reports, the Servicer has fulfilled its obligations under the
pooling and servicing agreement, dated January 30, 2006, among Banc of
America Mortgage Securities, Inc., as depositor, Xxxxx Fargo Bank, N.A.,
as trustee, and the Servicer; and
5. All of the reports on assessment of compliance with the servicing criteria
for asset-backed securities and their related attestation reports on
assessment of compliance with servicing criteria for asset-backed
securities required to be included in this report in accordance with Item
1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been
included as an exhibit to this report, except as otherwise disclosed in
this report. Any material instances of noncompliance described in such
reports have been disclosed in this report on Form 10-K.
In giving the certifications above, I have reasonably relied on
information provided to me by the following unaffiliated party: Xxxxx Fargo
Bank, N.A.
[_________], 20
By:____________________________
Name:
Title:
EXHIBIT P
Form of Certification to be Provided by the Trustee to the Servicer
Banc of America Alternative Loan Trust 2006-1
Mortgage Pass-Through Certificates,
Series 2006-1
Re: Banc of America Alternative Loan Trust 2006-1 (the "Trust"),
Mortgage Pass-Through Certificates, Series 2006-1, issued
pursuant to a Pooling and Servicing Agreement dated January
30, 2006 (the "Pooling Agreement"), among Banc of America
Mortgage Securities, Inc., as Depositor, Bank of America,
National Association, as Servicer, and Xxxxx Fargo Bank, N.A.,
as Trustee
The Trustee hereby certifies to the Servicer 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, 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;
3. To my knowledge, the distribution information required to be provided
by the Trustee under the Pooling 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 in the Annual Report under Item 1123 of Regulation AB, and except as
disclosed in the Reports, the Trustee has fulfilled its obligations under the
Pooling Agreement in all material respects; and
5. The report on assessment of compliance with servicing criteria for
asset-backed securities of the Trustee and its related attestation report on
assessment of compliance with servicing criteria 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.
XXXXX FARGO BANK, N.A.
as Trustee
By:____________________________
Name:
Title:
EXHIBIT Q
Servicing Criteria to be Addressed in Assessment of Compliance
-------------------------------------------------------------------------- ------------------
APPLICABLE
SERVICING
SERVICING CRITERIA CRITERIA
----------------- -------------------------------------------------------- --------- --------
Reference Criteria Servicer Trustee
----------------- -------------------------------------------------------- --------- --------
General Servicing Considerations
----------------- -------------------------------------------------------- --------- --------
Policies and procedures are instituted to monitor any X X
performance or other triggers and events of default in
1122(d)(1)(i) accordance with the transaction agreements.
----------------- -------------------------------------------------------- --------- --------
If any material servicing activities are outsourced to X
third parties, policies and procedures are instituted to
monitor the third party's performance and compliance
1122(d)(1)(ii) with such servicing activities.
----------------- -------------------------------------------------------- --------- --------
Any requirements in the transaction agreements to
maintain a back-up servicer for the mortgage loans are
1122(d)(1)(iii) maintained.
----------------- -------------------------------------------------------- --------- --------
A fidelity bond and errors and omissions policy is in X
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
1122(d)(1)(iv) the terms of the transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Cash Collection and Administration
----------------- -------------------------------------------------------- --------- --------
Payments on mortgage loans are deposited into the X
appropriate custodial bank accounts and related bank
clearing accounts no more than two business days
following receipt, or such other number of days
1122(d)(2)(i) specified in the transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Disbursements made via wire transfer on behalf of an X X
obligor or to an investor are made only by authorized
1122(d)(2)(ii) personnel.
----------------- -------------------------------------------------------- --------- --------
Advances of funds or guarantees regarding collections, X
cash flows or distributions, and any interest or other
fees charged for such advances, are made, reviewed and
1122(d)(2)(iii) approved as specified in the transaction agreements.
----------------- -------------------------------------------------------- --------- --------
The related accounts for the transaction, such as cash X X
reserve accounts or accounts established as a form of
overcollateralization, are separately maintained (e.g.,
with respect to commingling of cash) as set forth in the
1122(d)(2)(iv) transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Each custodial account is maintained at a federally X X
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
1122(d)(2)(v) Rule 13k-1(b)(1) of the Securities Exchange Act.
----------------- -------------------------------------------------------- --------- --------
Unissued checks are safeguarded so as to prevent X X
1122(d)(2)(vi) unauthorized access.
----------------- -------------------------------------------------------- --------- --------
Reconciliations are prepared on a monthly basis for X X
all asset-backed securities related bank accounts,
including custodial accounts and related bank clearing
accounts. These reconciliations are (A) mathematically
accurate; (B) prepared within 30 calendar days after the
bank statement cutoff date, or such other number of days
specified in the transaction agreements; (C) reviewed
and approved by someone other than the person who
prepared the reconciliation; and (D) contain
explanations for reconciling items. These reconciling
items are resolved within 90 calendar days of their
original identification, or such other number of days
1122(d)(2)(vii) specified in the transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Investor Remittances and Reporting
----------------- -------------------------------------------------------- --------- --------
Reports to investors, including those to be filed with X
the Commission, are maintained in accordance with the
transaction agreements and applicable Commission
requirements. Specifically, such reports (A) are
prepared in accordance with timeframes and other terms
set forth in the transaction agreements; (B) provide
information calculated in accordance with the terms
specified in the transaction agreements; (C) are filed
with the Commission as required by its rules and
regulations; and (D) agree with investors' or the
trustee's records as to the total unpaid principal
balance and number of mortgage loans serviced by the
1122(d)(3)(i) Servicer.
----------------- -------------------------------------------------------- --------- --------
Amounts due to investors are allocated and remitted in X
accordance with timeframes, distribution priority and
1122(d)(3)(ii) other terms set forth in the transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Disbursements made to an investor are posted within two X
business days to the Servicer's investor records, or
such other number of days specified in the transaction
1122(d)(3)(iii) agreements.
----------------- -------------------------------------------------------- --------- --------
Amounts remitted to investors per the investor reports X
agree with cancelled checks, or other form of payment,
1122(d)(3)(iv) or custodial bank statements.
----------------- -------------------------------------------------------- --------- --------
Pool Asset Administration
----------------- -------------------------------------------------------- --------- --------
Collateral or security on mortgage loans is maintained X X
as required by the transaction agreements or related
1122(d)(4)(i) mortgage loan documents.
----------------- -------------------------------------------------------- --------- --------
Mortgage loan and related documents are safeguarded as X X
1122(d)(4)(ii) required by the transaction agreements
----------------- -------------------------------------------------------- --------- --------
Any additions, removals or substitutions to the asset X
pool are made, reviewed and approved in accordance with
any conditions or requirements in the transaction
1122(d)(4)(iii) agreements.
----------------- -------------------------------------------------------- --------- --------
Payments on mortgage loans, including any payoffs, made X
in accordance with the related mortgage loan documents
are posted to the Servicer's obligor records maintained
no more than two business days after receipt, or such
other number of days specified in the transaction
agreements, and allocated to principal, interest or
other items (e.g., escrow) in accordance with the
1122(d)(4)(iv) related mortgage loan documents.
----------------- -------------------------------------------------------- --------- --------
The Servicer's records regarding the mortgage loans X
agree with the Servicer's records with respect to an
1122(d)(4)(v) obligor's unpaid principal balance.
----------------- -------------------------------------------------------- --------- --------
Changes with respect to the terms or status of an X
obligor's mortgage loans (e.g., loan modifications or
re-agings) are made, reviewed and approved by
authorized personnel in accordance with the
transaction agreements and related pool asset
1122(d)(4)(vi) documents.
----------------- -------------------------------------------------------- --------- --------
Loss mitigation or recovery actions (e.g., forbearance X
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
1122(d)(4)(vii) transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Records documenting collection efforts are maintained X
during the period a mortgage loan is delinquent in
accordance with the transaction agreements. Such
records are maintained on at least a monthly basis, or
such other period specified in the transaction
agreements, and describe the entity's activities in
monitoring delinquent mortgage loans including, for
example, phone calls, letters and payment rescheduling
plans in cases where delinquency is deemed temporary
1122(d)(4)(viii) (e.g., illness or unemployment).
----------------- -------------------------------------------------------- --------- --------
Adjustments to interest rates or rates of return for X
mortgage loans with variable rates are computed based
1122(d)(4)(ix) on the related mortgage loan documents.
----------------- -------------------------------------------------------- --------- --------
Regarding any funds held in trust for an obligor (such X
as escrow accounts): (A) such funds are analyzed, in
accordance with the obligor's mortgage loan documents,
on at least an annual basis, or such other period
specified in the transaction agreements; (B) interest
on such funds is paid, or credited, to obligors in
accordance with applicable mortgage loan documents and
state laws; and (C) such funds are returned to the
obligor within 30 calendar days of full repayment of
the related mortgage loans, or such other number of
1122(d)(4)(x) days specified in the transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Payments made on behalf of an obligor (such as tax or X
insurance payments) are made on or before the related
penalty or expiration dates, as indicated on the
appropriate bills or notices for such payments,
provided that such support has been received by the
servicer at least 30 calendar days prior to these
dates, or such other number of days specified in the
1122(d)(4)(xi) transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Any late payment penalties in connection with any X
payment to be made on behalf of an obligor are paid from
the Servicer's funds and not charged to the obligor,
unless the late payment was due to the obligor's error
1122(d)(4)(xii) or omission.
----------------- -------------------------------------------------------- --------- --------
Disbursements made on behalf of an obligor are posted X
within two business days to the obligor's records
maintained by the Servicer, or such other number of days
1122(d)(4)(xiii) specified in the transaction agreements.
----------------- -------------------------------------------------------- --------- --------
Delinquencies, charge-offs and uncollectible accounts X X
are recognized and recorded in accordance with the
1122(d)(4)(xiv) transaction agreements.
----------------- -------------------------------------------------------- --------- --------
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
1122(d)(4)(xv) agreements.
----------------- -------------------------------------------------------- --------- --------
[BANK OF AMERICA, NATIONAL ASSOCIATION] [XXXXX FARGO BANK, N.A.]
Date: _________________________
6.
By:
Name: ________________________________
Title: ________________________________
X-0-0
XXXXXXX X-0
ADDITIONAL FORM 10-D INFORMATION
------------------------------------------------- -----------------------------------------------
Item on Form 10-D Party Responsible
------------------------------------------------- -----------------------------------------------
Item 1: Distribution and Pool Performance Depositor
Information Servicer
Trustee
Any information required by Item 1121 of
Regulation AB which is not included on
the Distribution Date Statement
------------------------------------------------- -----------------------------------------------
Item 2: Legal Proceedings (i) All parties to the Agreement (as to
themselves), (ii) the Trustee and Servicer as
per Item 1117 of Regulation AB to the Trust, (iii) the Depositor as to the
Sponsor or any Regulation AB Item 1100(d)(1)
party
------------------------------------------------- -----------------------------------------------
Item 3: Sale of Securities and Use of Depositor
Proceeds
------------------------------------------------- -----------------------------------------------
Item 4: Defaults Upon Senior Securities Trustee
------------------------------------------------- -----------------------------------------------
Item 5: Submission of Matters to a Vote Trustee
of Security Holders
------------------------------------------------- -----------------------------------------------
Item 6: Significant Obligors of Pool N/A
Assets
------------------------------------------------- -----------------------------------------------
Item 7: Significant Enhancement Provider N/A
Information
------------------------------------------------ -----------------------------------------------
Item 8: Other Information Any party to the Agreement responsible for
disclosure items on Form 8-K
------------------------------------------------- -----------------------------------------------
Item 9: Exhibits Depositor
Trustee
------------------------------------------------- -----------------------------------------------
EXHIBIT R-2
ADDITIONAL FORM 10-K INFORMATION
---------------------------------------------- --------------------------------------------------
Item on Form 10-K Party Responsible
---------------------------------------------- --------------------------------------------------
Item 9B: Other Information Any party to the Agreement responsible for
disclosure items on Form 8-K
---------------------------------------------- --------------------------------------------------
Item 15: Exhibits, Financial Statement Trustee
Schedules Depositor
---------------------------------------------- --------------------------------------------------
Additional Item: (i) All parties to the Agreement (as to
themselves), (ii) the Trustee and Servicer as to
Disclosure per Item 1117 of Regulation the Trust, (iii) the Depositor as to the Sponsor
Regulation AB or any Regulation AB Item 1100(d)(1) party
---------------------------------------------- --------------------------------------------------
Additional Item: (i) All parties to the Agreement as to
Disclosure per Item 1119 of themselves and (ii) the Depositor as to the
Regulation AB Sponsor
---------------------------------------------- --------------------------------------------------
Additional Item: N/A
Disclosure per Item 1112(b) of
Regulation AB
---------------------------------------------- --------------------------------------------------
Additional Item: N/A
Disclosure per Items 1114(b) and
1115(b) of Regulation AB
---------------------------------------------- --------------------------------------------------
EXHIBIT R-3
FORM 8-K INFORMATION
---------------------------------------------- --------------------------------------------------
Item on Form 8-K Party Responsible
---------------------------------------------- --------------------------------------------------
Item 1.01- Entry into a Material The party to this Agreement entering into such
Definitive Agreement material definitive agreement
---------------------------------------------- --------------------------------------------------
Item 1.02- Termination of a Material The party to this Agreement requesting
Definitive Agreement termination of a material definitive agreement
---------------------------------------------- --------------------------------------------------
Item 1.03- Bankruptcy or Receivership Depositor
---------------------------------------------- --------------------------------------------------
Item 2.04- Triggering Events that Servicer
Accelerate or Increase a Direct Trustee
Financial Obligation or an Obligation
under an Off-Balance Sheet Arrangement
---------------------------------------------- --------------------------------------------------
Item 3.03- Material Modification to Trustee
Rights of Security Holders
---------------------------------------------- --------------------------------------------------
Item 5.03- Amendments of Articles of Depositor
Incorporation or Bylaws; Change of Servicer
Fiscal Year Trustee
---------------------------------------------- --------------------------------------------------
Item 6.01- ABS Informational and Depositor
Computational Material
---------------------------------------------- --------------------------------------------------
Item 6.02- Change of Servicer or Trustee Servicer
Trustee
---------------------------------------------- --------------------------------------------------
Item 6.03- Change in Credit Enhancement N/A
or External Support
---------------------------------------------- --------------------------------------------------
Item 6.04- Failure to Make a Required Trustee
Distribution
---------------------------------------------- --------------------------------------------------
Item 6.05- Securities Act Updating Depositor
Disclosure
---------------------------------------------- --------------------------------------------------
Item 7.01- Regulation FD Disclosure Depositor
---------------------------------------------- --------------------------------------------------
Item 8.01 Depositor
---------------------------------------------- --------------------------------------------------
Item 9.01 Depositor
---------------------------------------------- --------------------------------------------------
