0000882377-06-003552 Sample Contracts

RENAISSANCE HOME EQUITY LOAN TRUST 2006-3 Issuer HSBC BANK USA, NATIONAL ASSOCIATION Indenture Trustee and WELLS FARGO BANK, N.A. Securities Administrator INDENTURE Dated as of September 28, 2006 HOME EQUITY LOAN ASSET- BACKED NOTES, SERIES 2006-3

Custodial Agreement • October 17th, 2006 • Renaissance Home Equity Loan Trust 2006-3 • Asset-backed securities • New York

• Contract Type
  Custodial Agreement
• Filed
  October 17th, 2006
• Company
  Renaissance Home Equity Loan Trust 2006-3
• Industry
  Asset-backed securities
• Jurisdiction
  New York

This Indenture, dated as of September 28, 2006, is entered into among Renaissance Home Equity Loan Trust 2006-3, a Delaware statutory trust, as Issuer (the “Issuer”), HSBC Bank USA, National Association, a national banking association, as Indenture Trustee (the “Indenture Trustee”) and Wells Fargo Bank, N.A., a national banking association, as Securities Administrator (the “Securities Administrator”).

RENAISSANCE MORTGAGE ACCEPTANCE CORP. Renaissance Home Equity Loan Trust 2006-3 Home Equity Loan Asset-Backed Notes, Series 2006-3 UNDERWRITING AGREEMENT

Underwriting Agreement • October 17th, 2006 • Renaissance Home Equity Loan Trust 2006-3 • Asset-backed securities • New York

• Contract Type
  Underwriting Agreement
• Filed
  October 17th, 2006
• Company
  Renaissance Home Equity Loan Trust 2006-3
• Industry
  Asset-backed securities
• Jurisdiction
  New York

Renaissance Mortgage Acceptance Corp., a Delaware corporation (“Renaissance”) has entered into a Trust Agreement, as amended and restated by the Amended and Restated Trust Agreement, dated as of September 28, 2006 (collectively, the “Trust Agreement”), among Renaissance, as depositor, Wilmington Trust Company, as owner trustee (the “Owner Trustee”) and Wells Fargo Bank, N.A. (“Wells Fargo”), as certificate registrar and certificate paying agent, creating the Renaissance Home Equity Loan Trust 2006-3 (the “Trust”), a statutory trust created under the laws of the State of Delaware. The Trust has been established for the purpose of issuing Home Equity Loan Asset-Backed Notes, Series 2006-3, Class AV-1, Class AV-2, Class AV-3, Class AF-1, Class AF-2, Class AF-3, Class AF-4, Class AF-5, Class AF-6, Class M-1, Class M-2, Class M-3, Class M-4, Class M-5, Class M-6, Class M-7, Class M-8 and Class M-9 Notes (collectively, the “Offered Notes”); the Class N-1 and Class N-2 Notes (the “Class N Not