0000899681-03-000372 Sample Contracts

BEAR STEARNS ASSET BACKED SECURITIES, INC., Depositor EMC MORTGAGE CORPORATION, Seller and Servicer WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION, Master Servicer and Securities Administrator and JPMORGAN CHASE BANK Trustee
Pooling and Servicing Agreement • September 16th, 2003 • Bear Stearns Asset Backed Securities Trust 2003-Sd1 • Asset-backed securities • New York

POOLING AND SERVICING AGREEMENT, dated as of August 1, 2003, among BEAR STEARNS ASSET BACKED SECURITIES, INC., a Delaware corporation, as depositor (the "Depositor"), EMC MORTGAGE CORPORATION, a Delaware corporation, as seller (in such capacity, the "Seller") and as servicer (in such capacity, the "EMC Servicer"), WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION, a national banking association, as master servicer (in such capacity, the "Master Servicer") and as securities administrator (in such capacity, the "Securities Administrator") and JPMORGAN CHASE BANK, a New York banking corporation, as trustee (the "Trustee").

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BEAR STEARNS ASSET BACKED SECURITIES, INC. Asset-Backed Securities, Series 2003-SD1 UNDERWRITING AGREEMENT
Underwriting Agreement • September 16th, 2003 • Bear Stearns Asset Backed Securities Trust 2003-Sd1 • Asset-backed securities • New York

Bear Stearns Asset Backed Securities, Inc., a Delaware corporation ("BSABS"), proposes to cause to be issued and to sell to you, as underwriter (the "Underwriter"), the Asset-Backed Certificates, Series 2003-SD1, having the classes specified on the Pricing Letter (as defined below) and described in Section 2 hereof (the "Public Certificates") having the characteristics set forth in the Prospectus Supplement (as defined below), evidencing ownership interests in a trust consisting of mortgage notes and the related mortgages acquired by BSABS (the "Mortgage Loans") and other related property (collectively, the "Trust Fund"). The Mortgage Loans will be of the type and will have the characteristics described in the Prospectus Supplement, subject to the variances, ranges, minimums and maximums set forth in the Prospectus Supplement, and will have the aggregate principal balance set forth in the Prospectus Supplement, subject to an upward or downward variance in principal balance, not to exce

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