GE CAPITAL MORTGAGE SERVICES INC, 8-K, 1999-12-13

THIS POOLING AND SERVICING AGREEMENT, dated as of November 1, 1999, between GE CAPITAL MORTGAGE SERVICES, INC., a corporation organized and existing under the laws of the State of New Jersey, and STATE STREET BANK AND TRUST COMPANY, a Massachusetts banking corporation, as Trustee.

W I T N E S S E T H T H A T :

In consideration of the mutual agreements herein contained, GE Capital Mortgage Services, Inc. and State Street Bank and Trust Company agree as follows:

ARTICLE I

DEFINITIONS

Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the following meanings:

Accretion Directed Certificate: None.

Accretion Directed Component: None.

Accretion Termination Date: None.

Accrual Amount: As to any Class of Accrual Certificates and any Accrual Component and each Distribution Date through the related Accretion Termination Date, the sum of (x) any amount of Accrued Certificate Interest allocable to such Class or Component pursuant to Section 4.01(a)(i) on such Distribution Date and (y) any amount of Unpaid Class Interest Shortfall allocable to such Class or Component pursuant to Section 4.01(a)(ii) on such Distribution Date, to the extent that such amounts are distributed to any Accretion Directed Certificates and any Accretion Directed Components pursuant to Section 4.01(e). As to any Class of Accrual Certificates and any Accrual Component and each Distribution Date after the related Accretion Termination Date, zero.

Accrual Certificates: None.

Accrual Component: None.

Accrued Certificate Interest: As to any Distribution Date and any Class of Certificates (other than any Class of Principal Only Certificates and any Class of Certificates consisting of Specified Components), interest accrued during the related Interest Accrual Period at the applicable Certificate Interest Rate on the Class Certificate Principal Balance (or, in the case of any Class of Notional Certificates other than the Class S Certificates, on the aggregate Notional Principal Balance) thereof immediately prior to (or, in the case of the Class S Certificates, on the aggregate Notional Principal Balance thereof with respect to) such Distribution Date, calculated on the basis of a 360-day year consisting of twelve 30-day months. As to any Distribution Date and any Specified Component (other than any Principal Only Component), interest accrued during the related Interest Accrual Period at the applicable Component Interest Rate on the Component Principal Balance (or Notional Component Principal Balance) thereof immediately prior to such Distribution Date, calculated on the basis of a 360-day year consisting of twelve 30-day months. As to any Distribution Date and any Class of Certificates consisting of Specified Components, the aggregate of Accrued Certificate Interest on such Specified Components for such Distribution Date.

Accrued Certificate Interest on each Class of Certificates (other than any Class of Principal Only Certificates and any Class of Certificates consisting of Specified Components) and any Specified Component (other than any Principal Only Component) shall be reduced by such Class's or Specified Component's share of the amount of any Net Interest Shortfall and Interest Losses for such Distribution Date. Any Net Interest Shortfall and Interest Losses shall be allocated among (x) the Classes of Certificates (other than any Class of Principal Only Certificates and any Class of Certificates consisting of Specified Components) and (y) the Specified Components (other than any Principal Only Component) of any Component Certificate in proportion to the respective amounts of Accrued Certificate Interest that would have resulted absent such shortfall or losses (determined, in the case of the Class A9 and Class A16 Certificates, without giving effect to the amounts distributable from the Class A9 Interest Account and the Class A16 Interest Account, respectively).

Additional Collateral: With respect to any Mortgage 100^SM Loan, the marketable securities held from time to time as security for the repayment of such Mortgage 100^SM Loan and any related collateral. With respect to any Parent Power^SM Loan, the third-party guarantee for such Parent Power^SM Loan, together with (i) any marketable securities held from time to time as security for the performance of such guarantee and any related collateral or (ii) any mortgaged property securing the performance of such guarantee, the related home equity line of credit loan and any related collateral. With respect to any CashSaver Mortgage Loan, the cash and/or marketable securities held from time to time as security for the repayment of such CashSaver Mortgage Loan and any related collateral.

Agreement: This Pooling and Servicing Agreement and all amendments hereof and supplements hereto.

Allocable Share: (a) As to any Distribution Date and amounts distributable pursuant to clauses (i) and (iii) of the definition of Junior Optimal Principal Amount, and as to each Class of Junior Certificates, the fraction, expressed as a percentage, the numerator of which is the Class Certificate Principal Balance of such Class and the denominator of which is the aggregate Class Certificate Principal Balance of the Junior Certificates.

(b) As to any Distribution Date and amounts distributable pursuant to clauses (ii), (iv) and (v) of the definition of Junior Optimal Principal Amount, and as to the Class M Certificates and each Class of Class B Certificates for which the related Prepayment Distribution Trigger has been satisfied on such Distribution Date, the fraction, expressed as a percentage, the numerator of which is the Class Certificate Principal Balance of such Class and the denominator of which is the aggregate Class Certificate Principal Balance of all such Classes. As to any Distribution Date and each Class of Class B Certificates for which the related Prepayment Distribution Trigger has not been satisfied on such Distribution Date, 0%.

Amortization Payment: As to any REO Mortgage Loan and any month, the payment of principal and accrued interest due in such month in accordance with the terms of the related Mortgage Note as contemplated by Section 3.08(b).

Amount Held for Future Distribution: As to each Distribution Date, the total of all amounts credited to the Mortgage Loan Payment Record as of the preceding Determination Date on account of (i) Principal Prepayments, Insurance Proceeds and Liquidation Proceeds received subsequent to the preceding Prepayment Period applicable to such receipts, and (ii) monthly payments of principal and interest due subsequent to the preceding Due Date.

Anniversary Determination Date: The Determination Date occurring in December of each year that the Certificates are outstanding, commencing in December 2000.

Assignment of Proprietary Lease: With respect to a Cooperative Loan, the assignment of the related Proprietary Lease from the Mortgagor to the originator of the Cooperative Loan.

Assumed Monthly Payment Reduction: As of any Anniversary Determination Date and as to any Non-Primary Residence Loan remaining in the Mortgage Pool whose original principal balance was 80% or greater of the Original Value thereof, the excess of (i) the Monthly Payment thereof calculated on the assumption that the Mortgage Rate thereon was equal to the weighted average (by principal balance) of the Net Mortgage Rates of all Outstanding Mortgage Loans (the "Weighted Average Rate") as of such Anniversary Determination Date over (ii) the Monthly Payment thereof calculated on the assumption that the Net Mortgage Rate thereon was equal to the Weighted Average Rate less 1.25% per annum.

Available Funds: As to each Distribution Date, an amount equal to the sum of (i) all amounts credited to the Mortgage Loan Payment Record pursuant to Section 3.02 as of the preceding Determination Date, (ii) any Monthly Advance and any Compensating Interest Payment for such Distribution Date, (iii) the Purchase Price of any Defective Mortgage Loans and Defaulted Mortgage Loans deposited in the Certificate Account on the Business Day preceding such Distribution Date (including any amounts deposited in the Certificate Account in connection with any substitution of a Mortgage Loan as specified in Section 2.03(b)), and (iv) the purchase price of any defaulted Mortgage Loan purchased under an agreement entered into pursuant to Section 3.08(e) as of the end of the preceding Prepayment Period less the sum of (x) the Amount Held for Future Distribution, (y) the amount of any Unanticipated Recovery credited to the Mortgage Loan Payment Record pursuant to clause (vi) of Section 3.02(b), and (z) amounts permitted to be debited from the Mortgage Loan Payment Record pursuant to clauses (i) through (vii) and (ix) of Section 3.04. Amounts on deposit in the Class A9 Interest Account or Class A16 Interest Account are not part of Available Funds.

Bankruptcy Coverage Termination Date: The Distribution Date upon which the Bankruptcy Loss Amount has been reduced to zero or a negative number (or the Cross-Over Date, if earlier).

Bankruptcy Loss Amount: As of any Determination Date prior to the first Anniversary Determination Date, the Bankruptcy Loss Amount shall equal $137,578, as reduced by the aggregate amount of Deficient Valuations and Debt Service Reductions since the Cut-off Date. As of any Determination Date after the first Anniversary Determination Date, other than an Anniversary Determination Date, the Bankruptcy Loss Amount shall equal the Bankruptcy Loss Amount on the immediately preceding Anniversary Determination Date as reduced by the aggregate amount of Deficient Valuations and Debt Service Reductions since such preceding Anniversary Determination Date. As of any Anniversary Determination Date, the Bankruptcy Loss Amount shall equal the lesser of (x) the Bankruptcy Loss Amount as of the preceding Determination Date as reduced by any Deficient Valuations and Debt Service Reductions for the preceding Distribution Date, and (y) the greater of (i) the Fitch Formula Amount for such Anniversary Determination Date and (ii) the Formula Amount for such Anniversary Determination Date.

The Bankruptcy Loss Amount may be further reduced by the Company (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Company shall obtain written confirmation from each Rating Agency that such reduction shall not adversely affect the then-current rating assigned to the related Classes of Certificates by such Rating Agency and shall provide a copy of such written confirmation to the Trustee.

BBA: The British Bankers' Association.

BIF: The Bank Insurance Fund of the FDIC, or its successor in interest.

Book-Entry Certificate: Any Certificate registered in the name of the Depository or its nominee, ownership of which is reflected on the books of the Depository or on the books of a person maintaining an account with such Depository (directly or as an indirect participant in accordance with the rules of such Depository). As of the Closing Date, each Class of Certificates, other than the Class B3, Class B4, Class B5, Class R, Class PO and Class S Certificates, constitutes a Class of Book-Entry Certificates.

Book-Entry Nominee: As defined in Section 5.02(b).

Business Day: Any day other than a Saturday or a Sunday, or a day on which banking institutions in New York City or the city in which the Corporate Trust Office is located are authorized or obligated by law or executive order to be closed.

Buydown Funds: Funds contributed by the Mortgagor or another source in order to reduce the interest payments required from the Mortgagor for a specified period in specified amounts.

Buydown Mortgage Loan: Any Mortgage Loan as to which the Mortgagor pays less than the full monthly payment specified in the Mortgage Note during the Buydown Period and the difference between the amount paid by the Mortgagor and the amount specified in the Mortgage Note is paid from the related Buydown Funds.

Buydown Period: The period during which Buydown Funds are required to be applied to the related Buydown Mortgage Loan.

CashSaver Mortgage Loan: A Mortgage Loan identified on Exhibit P hereof that has a Loan-to-Value Ratio at origination of a minimum of 97% and a maximum of 100% and that is secured by Additional Collateral.

Certificate: Any one of the certificates signed and countersigned by the Trustee in substantially the forms attached hereto as Exhibit A.

Certificate Account: The trust account or accounts created and maintained with the Trustee pursuant to Section 3.02 and which must be an Eligible Account.

Certificate Interest Rate: With respect to any Class of Certificates, other than the Class S Certificates or any LIBOR Certificates, and as of any Distribution Date, the per annum rate specified or described in Section 5.01(b). With respect to any Class of LIBOR Certificates, the per annum variable rate at any time at which interest accrues on the Certificates of such Class, as determined pursuant to Section 5.01(f). With respect to the Class S Certificates and any Distribution Date, the Strip Rate for such Distribution Date.

Certificate Owner: With respect to any Book-Entry Certificate, the person who is the beneficial owner thereof.

Certificate Principal Balance: As to any Certificate other than a Notional Certificate, and as of any Distribution Date, the Initial Certificate Principal Balance of such Certificate (plus, in the case of any Accrual Certificate, its Percentage Interest of any related Accrual Amount for each previous Distribution Date) less the sum of (i) all amounts distributed with respect to such Certificate in reduction of the Certificate Principal Balance thereof on previous Distribution Dates pursuant to Section 4.01, (ii) any Realized Losses allocated to such Certificate on previous Distribution Dates pursuant to Section 4.03(b) and (c), and (iii) in the case of a Subordinate Certificate, such Certificate's Percentage Interest of the Subordinate Certificate Writedown Amount allocated to such Certificate on previous Distribution Dates. The Notional Certificates are issued without Certificate Principal Balances.

Certificate Register and Certificate Registrar: The register maintained and the registrar appointed pursuant to Section 5.02.

Certificateholder or Holder: The person in whose name a Certificate is registered in the Certificate Register, except that, solely for the purposes of giving any consent pursuant to this Agreement, a Certificate of any Class to the extent that the Company or any affiliate is the Certificate Owner or Holder thereof (except to the extent the Company or any affiliate thereof shall be the Certificate Owner or Holder of all Certificates of such Class), shall be deemed not to be outstanding and the Percentage Interest (or Voting Rights) evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests (or Voting Rights) necessary to effect any such consent has been obtained; provided, however, that in determining whether the Trustee shall be protected in relying on such consent only the Certificates that the Trustee knows to be so held shall be so disregarded.

Class: All Certificates bearing the same class designation.

Class A9 Interest Account: The segregated, non-interest bearing account denominated as such and established and maintained pursuant to Section 3.17.

Class A9 Interest Account Deposit: Cash in the amount of $15,000.

Class A9 Interest Account Termination Date: As defined in Section 4.01(g)(i).

Class A16 Interest Account: The segregated, non-interest bearing account denominated as such and established and maintained pursuant to Section 3.17.

Class A16 Interest Account Deposit: Cash in the amount of $15,000.

Class A16 Interest Account Termination Date: As defined in Section 4.01(g)(ii).

Class A17 Percentage: With respect to any Distribution Date, the percentage (carried to six decimal places rounded up) obtained by dividing (x) the Class Certificate Principal Balance of the Class A17 Certificates immediately preceding such Distribution Date, by (y) the aggregate Certificate Principal Balance of all the Certificates (other than the Class PO Certificates) immediately preceding such Distribution Date.

Class A17 Distribution Percentage: 0% through the Distribution Date in November 2004; 30% thereafter through the Distribution Date in November 2005; 40% thereafter through the Distribution Date in November 2006; 60% thereafter through the Distribution Date in November 2007; 80% thereafter through the Distribution Date in November 2008; and 100% thereafter.

Class A17 Principal Distribution Amount: With respect to any Distribution Date, the Senior Optimal Principal Amount for such date (determined without application of the Senior Percentage or the Senior Prepayment Percentage) multiplied by the product of (x) the Class A17 Percentage for such date and (y) the Class A17 Distribution Percentage for such date; provided, however, that (i) on the Group I Final Distribution Date, the Class A17 Principal Distribution Amount will be increased by any Senior Optimal Principal Amount remaining after distributions of principal have been made on the Group I Senior Certificates and (ii) following the Group I Final Distribution Date, the Class A17 Principal Distribution Amount will equal the Senior Optimal Principal Amount.

Class B Certificate: Any Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate.

Class Certificate Principal Balance: As to any Class of Certificates, other than any Class of Notional Certificates, and as of any date of determination, the aggregate of the Certificate Principal Balances of all Certificates of such Class. The Class Certificate Principal Balance of each such Class of Certificates as of the Closing Date is specified in Section 5.01(b).

Class Interest Shortfall: As to any Distribution Date and any Class of Certificates (other than any Class of Principal Only Certificates or any Class consisting of Specified Components) or any Specified Component, any amount by which the amount distributed to Holders of such Class of Certificates or in respect of such Specified Component (or added to the Class Certificate Principal Balance of any Class of Accrual Certificates or to the Component Principal Balance of any Accrual Component constituting a Specified Component) on such Distribution Date pursuant to Sections 4.01(a)(i), (a)(v), (a)(viii), (a)(xi), (a)(xiv), (a)(xvii) or (a)(xx), as applicable), is less than the Accrued Certificate Interest thereon or in respect thereof for such Distribution Date (assuming for this purpose that the Certificate Interest Rate on each of the Class A9 and Class A16 Certificates is 7.50%). As to any Distribution Date and any Class of Certificates consisting of Specified Components, the sum of the Class Interest Shortfalls for such Components on such date.

Class PO Deferred Amount: As to any Distribution Date on or prior to the Cross-Over Date, the aggregate of the applicable PO Percentage of the principal portion of each Realized Loss, other than any Excess Loss, to be allocated to the Class PO Certificates on such Distribution Date or previously allocated to the Class PO Certificates and not yet paid to the Holders of the Class PO Certificates pursuant to Section 4.01(a)(iv).

Class PO Principal Distribution Amount: As to any Distribution Date, an amount equal to the sum of the applicable PO Percentage of:

(i) the principal portion of each Monthly Payment due on the related Due Date on each Outstanding Mortgage Loan as of such Due Date as specified in the amortization schedule at the time applicable thereto (after adjustments for previous Principal Prepayments and the principal portion of Debt Service Reductions subsequent to the Bankruptcy Coverage Termination Date but before any adjustment to such amortization schedule by reason of any bankruptcy (except as aforesaid) or similar proceeding or any moratorium or similar waiver or grace period);

(ii) all principal prepayments in part received during the related Prepayment Period, together with the Scheduled Principal Balance (as reduced by any Deficient Valuation occurring on or prior to the Bankruptcy Coverage Termination Date) of each Mortgage Loan which was the subject of a Voluntary Principal Prepayment in full during the related Prepayment Period;

(iii) the sum of (A) all Net Liquidation Proceeds allocable to principal received in respect of each Mortgage Loan that became a Liquidated Mortgage Loan during the related Prepayment Period (other than Mortgage Loans described in clause (B)) and (B) the principal balance of each Mortgage Loan purchased by an insurer from the Trustee pursuant to the related Primary Insurance Policy, in each case during the related Prepayment Period;

(iv) the Scheduled Principal Balance (as reduced by any Deficient Valuation occurring on or prior to the Bankruptcy Coverage Termination Date) of each Mortgage Loan which was purchased on such Distribution Date pursuant to Section 2.02, 2.03(a) or 3.16; and

(v) the Substitution Amount for any Mortgage Loan substituted during the month of such Distribution Date; for purposes of this clause (v), the definition of "Substitution Amount" shall be modified to reduce the Scheduled Principal Balance of the Mortgage Loan that is substituted for by any Deficient Valuation occurring on or prior to the Bankruptcy Coverage Termination Date.

For purposes of clause (ii) above, a Voluntary Principal Prepayment in full with respect to a Mortgage Loan serviced by a Primary Servicer shall be deemed to have been received when the Company, as servicer, receives notice thereof.

Closing Date: November 29, 1999.

Code: The Internal Revenue Code of 1986, as it may be amended from time to time, any successor statutes thereto, and applicable U.S. Department of the Treasury temporary or final regulations promulgated thereunder.

COFI: The monthly weighted average cost of funds for savings institutions the home offices of which are located in Arizona, California, or Nevada that are member institutions of the Eleventh Federal Home Loan Bank District, as computed from statistics tabulated and published by the Federal Home Loan Bank of San Francisco in its monthly Information Bulletin.

COFI Certificates: None.

COFI Determination Date: As to each Interest Accrual Period for any COFI Certificates, the last Business Day of the calendar month preceding the commencement of such Interest Accrual Period.

Company: GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey, or its successor in interest or, if any successor servicer is appointed as herein provided, then such successor servicer.

Compensating Interest Payment: With respect to any Distribution Date, an amount equal to the aggregate of the Interest Shortfalls described in clauses (A) and (B) of the definition thereof with respect to such Distribution Date; provided, however, that such amount shall not exceed the lesser of (i) an amount equal to the product of (x) the Pool Scheduled Principal Balance with respect to such Distribution Date and (y) one-twelfth of 0.125%, and (ii) the aggregate of the Servicing Fees that the Company would be entitled to retain on such Distribution Date (less any portion thereof paid as servicing compensation to any Primary Servicer) without giving effect to any Compensating Interest Payment.

Component: Any of the components of a Class of Component Certificates having the designations and the initial Component Principal Balances as follows:

Designation	Initial Component Principal Balance
N/A	N/A

Component Certificate: None.

Component Interest Rate: None.

Component Principal Balance: As of any Distribution Date, and with respect to any Component, other than any Notional Component, the initial Component Principal Balance thereof (as set forth, as applicable, in the definition of Component) (plus, in the case of any Accrual Component, any related Accrual Amount for each previous Distribution Date) less the sum of (x) all amounts distributed in reduction thereof on previous Distribution Dates pursuant to Section 4.01 and (y) the amount of all Realized Losses allocated thereto pursuant to Section 4.03(d).

Confirmatory Mortgage Note: With respect to any Mortgage Loan, a note or other evidence of indebtedness executed by the Mortgagor confirming its obligation under the note or other evidence of indebtedness previously executed by the Mortgagor upon the origination of the related Mortgage Loan.

Cooperative: A private, cooperative housing corporation organized in accordance with applicable state laws which owns or leases land and all or part of a building or buildings located in the relevant state, including apartments, spaces used for commercial purposes and common areas therein and whose board of directors authorizes, among other things, the sale of Cooperative Stock.

Cooperative Apartment: A dwelling unit in a multi-dwelling building owned or leased by a Cooperative, which unit the Mortgagor has an exclusive right to occupy pursuant to the terms of one or more Proprietary Leases.

Cooperative Loans: Any of the Mortgage Loans made in respect of a Cooperative Apartment, evidenced by a Mortgage Note and secured by (i) a Security Agreement, (ii) the related Cooperative Stock Certificate(s), (iii) an assignment of the Proprietary Lease(s), (iv) financing statements and (v) a stock power (or other similar instrument), and in addition thereto, a recognition agreement between the Cooperative and the originator of the Cooperative Loan, each of which was transferred and assigned to the Trustee pursuant to Section 2.01 and are from time to time held as part of the Trust Fund. The Mortgage Loans identified as such in Exhibit C hereto are Cooperative Loans.

Cooperative Stock: With respect to a Cooperative Loan, the single outstanding class of stock, partnership interest or other ownership instrument in the related Cooperative.

Cooperative Stock Certificate: With respect to a Cooperative Loan, the stock certificate(s) or other instrument evidencing the related Cooperative Stock.

Corporate Trust Office: The principal office of the Trustee at which at any particular time its corporate trust business shall be administered, which office at the date of the execution of this instrument is located at 225 Franklin Street, Boston, Massachusetts 02110, Attention: Corporate Trust Department.

Cross-Over Date: The first Distribution Date on which the aggregate Class Certificate Principal Balance of the Junior Certificates has been reduced to zero (giving effect to all distributions on such Distribution Date).

Cut-off Date: November 1, 1999.

Debt Service Reduction: As to any Mortgage Loan and any Determination Date, the excess of (a) the then current Monthly Payment for such Mortgage Loan over (b) the amount of the monthly payment of principal and interest required to be paid by the Mortgagor as established by a court of competent jurisdiction 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.).

Deceased Holder: With respect to a Holder of any Designated Retail Certificate, as defined in Section 4.10(b).

Defaulted Mortgage Loan: With respect to any Determination Date, a Mortgage Loan as to which the related Mortgagor has failed to make unexcused payment in full of a total of three or more consecutive installments of principal and interest, and as to which such delinquent installments have not been paid, as of the close of business on the last Business Day of the month next preceding the month of such Determination Date.

Defective Mortgage Loan: Any Mortgage Loan which is required to be purchased by the Company (or which the Company may replace with a substitute Mortgage Loan) pursuant to Section 2.02 or 2.03(a).

Deficient Valuation: As to any Mortgage Loan and any Determination Date, the excess of (a) the then outstanding indebtedness under such Mortgage Loan over (b) the valuation by a court of competent jurisdiction of the related Mortgaged Property 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.

Definitive Certificate: Any Certificate, other than a Book-Entry Certificate, issued in definitive, fully registered form.

Definitive Restricted Junior Certificate: Any Restricted Junior Certificate that is in the form of a Definitive Certificate.

Depository: The initial Depository shall be The Depository Trust Company, the nominee of which is CEDE & Co. The Depository shall at all times be a "clearing corporation" as defined in Section 8-102(a)(5) of the Uniform Commercial Code of the State of New York, as amended, or any successor provisions thereto.

Depository Participant: A broker, dealer, bank or other financial institution or other Person for which, from time to time, the Depository effects book-entry transfers and pledges of securities deposited with such Depository.

Designated Loan Closing Documents: With respect to any Designated Loan, a Lost Note Affidavit substantially in the form of Exhibit L, and an assignment of the related Mortgage to the Trustee in recordable form (except for the omission therein of recording information concerning such Mortgage).

Designated Loans: The Mortgage Loans listed in Exhibit M hereto.

Designated Maturity: Thirty years.

Designated Rate: 7.25% per annum.

Designated Retail Certificate: Any Class A9, Class A10, Class A11 or Class A15 Certificate.

Designated Telerate Page: The Dow Jones Telerate Service page 3750 (or such other page as may replace page 3750 on that service or such other service as may be nominated by the BBA for the purpose of displaying the Interest Settlement Rates).

Determination Date: With respect to any Distribution Date, the fifth Business Day prior thereto.

Discount Mortgage Loan: Any Mortgage Loan with a Net Mortgage Rate less than the Designated Rate.

Disqualified Organization: Any of the following: (i) the United States, any State or political subdivision thereof, or any agency or instrumentality of any of the foregoing (including but not limited to state pension organizations); (ii) a foreign government, International Organization or any agency or instrumentality of either of the foregoing; (iii) an organization (except certain farmers' cooperatives described in Code section 521) 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); and (iv) a rural electric and telephone cooperative described in Code section 1381(a)(2)(C). The terms "United States," "State" and "International Organization" shall have the meanings set forth in Code section 7701 or successor provisions. A corporation will not be treated as an instrumentality of the United States or of any State or political subdivision thereof for these purposes if all of its activities are subject to tax and a majority of its board of directors is not selected by such governmental unit.

Distribution Date: The 25th day of each calendar month after the month of initial issuance of the Certificates, or, if such 25th day is not a Business Day, the next succeeding Business Day.

Distribution Date Statement: The statement referred to in Section 4.05(a).

Document File: As defined in Section 2.01.

Due Date: The first day of the month of the related Distribution Date.

Eligible Account: An account that is either (i) maintained with a depository institution the debt obligations of which have been rated by each Rating Agency in one of its two highest long-term rating categories and has been assigned by S&P its highest short-term rating, (ii) an account or accounts the deposits in which are fully insured by either the BIF or the SAIF, (iii) an account or accounts, in a depository institution in which such accounts are insured by the BIF or the SAIF (to the limits established by the FDIC), the uninsured deposits in which accounts are either invested in Permitted Investments or are otherwise secured to the extent required by the Rating Agencies such that, as evidenced by an Opinion of Counsel delivered to the Trustee, the Certificateholders have a claim with respect to the funds in such account or a perfected first 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 with which such account is maintained, (iv) a trust account maintained with the corporate trust department of a federal or state chartered depository institution or of a trust company with trust powers and acting in its fiduciary capacity for the benefit of the Trustee hereunder or (v) such account as will not cause either Rating Agency to downgrade or withdraw its then-current rating assigned to the Certificates, as evidenced in writing by the Rating Agencies.

ERISA: The Employee Retirement Income Security Act of 1974, as amended.

ERISA-Restricted Certificate: Any Junior Certificate.

Event of Default: An event described in Section 7.01.

Excess Bankruptcy Loss: Any Deficient Valuation or Debt Service Reduction, or portion thereof, (i) occurring after the Bankruptcy Coverage Termination Date or (ii) if on such date, in excess of the then-applicable Bankruptcy Loss Amount.

Excess Fraud Loss: Any Fraud Loss, or portion thereof, (i) occurring after the Fraud Coverage Termination Date or (ii) if on such date, in excess of the then-applicable Fraud Loss Amount.

Excess Loss: Any Excess Bankruptcy Loss, Excess Fraud Loss or Excess Special Hazard Loss.

Excess Special Hazard Loss: Any Special Hazard Loss, or portion thereof, (i) occurring after the Special Hazard Termination Date or (ii) if on such date, in excess of the then-applicable Special Hazard Loss Amount.

FDIC: The Federal Deposit Insurance Corporation, or its successor in interest.

FHLMC: The Federal Home Loan Mortgage Corporation or its successor in interest.

Financial Intermediary: A broker, dealer, bank or other financial institution or other Person that clears through or maintains a custodial relationship with a Depository Participant.

Fitch: Fitch IBCA, Inc. and its successors.

Fitch Formula Amount: As to each Anniversary Determination Date, the greater of (i) $50,000 and (ii) the product of (x) the greatest Assumed Monthly Payment Reduction for any Non-Primary Residence Loan whose original principal balance was 80% or greater of the Original Value thereof, (y) the weighted average remaining term to maturity (expressed in months) of all the Non-Primary Residence Loans remaining in the Mortgage Pool as of such Anniversary Determination Date, and (z) the sum of (A) one plus (B) the number of all remaining Non-Primary Residence Loans divided by the total number of Outstanding Mortgage Loans as of such Anniversary Determination Date.

FNMA: The Federal National Mortgage Association or its successor in interest.

Formula Amount: As to each Anniversary Determination Date, the greater of (i) $100,000 and (ii) the product of (x) 0.06% and (y) the Scheduled Principal Balance of each Mortgage Loan remaining in the Mortgage Pool whose original principal balance was 75% or greater of the Original Value thereof.

Fraud Coverage Termination Date: The Distribution Date upon which the related Fraud Loss Amount has been reduced to zero or a negative number (or the Cross-Over Date, if earlier).

Fraud Loss: Any Realized Loss attributable to fraud in the origination of the related Mortgage Loan.

Fraud Loss Amount: As of any Distribution Date after the Cut-off Date, (x) prior to the first anniversary of the Cut-off Date, an amount equal to $3,435,556 minus the aggregate amount of Fraud Losses that would have been allocated to the Junior Certificates in accordance with Section 4.03 in the absence of the Loss Allocation Limitation since the Cut-off Date, and (y) from the first to the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1% (from the first to but excluding the third anniversaries of the Cut-off Date) or 0.5% (from and including the third to but excluding the fifth anniversaries of the Cut-off Date) of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses that would have been allocated to the Junior Certificates in accordance with Section 4.03 in the absence of the Loss Allocation Limitation since the most recent anniversary of the Cut-off Date. On or after the fifth anniversary of the Cut-off Date the Fraud Loss Amount shall be zero.

Group I Final Distribution Date: The Distribution Date on which the aggregate Certificate Principal Balance of the Group I Senior Certificates is reduced to zero.

Group I Senior Certificate: Any Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class A12, Class A13, Class A14, Class A15, Class A16, Class A18, Class A19 or Class R Certificate.

Initial Certificate Principal Balance: With respect to any Certificate, other than a Notional Certificate, the Certificate Principal Balance of such Certificate or any predecessor Certificate on the Closing Date.

Initial LIBOR Rate: None.

Insurance Proceeds: Proceeds paid pursuant to the Primary Insurance Policies, if any, and amounts paid by any insurer pursuant to any other insurance policy covering a Mortgage Loan.

Insured Expenses: Expenses covered by the Primary Insurance Policies, if any, or any other insurance policy or policies applicable to the Mortgage Loans.

Interest Accrual Period: With respect to any Distribution Date and any Class of Certificates (other than any Class of Principal Only Certificates) or Component, the one-month period ending on the last day of the month preceding the month in which such Distribution Date occurs.

Interest Losses: The interest portion of (i) on or prior to the Cross-Over Date, any Excess Losses and (ii) after the Cross-Over Date, any Realized Losses and Debt Service Reductions.

Interest Settlement Rate: With respect to any Interest Accrual Period, the rate (expressed as a percentage per annum) for one-month U.S. Dollar deposits reported by the BBA at 11:00 a.m. London time on the related LIBOR Determination Date and as it appears on the Designated Telerate Page.

Interest Shortfall: With respect to any Distribution Date and each Mortgage Loan that during the related Prepayment Period was the subject of a Voluntary Principal Prepayment or constitutes a Relief Act Mortgage Loan, an amount determined as follows:

(A) partial principal prepayments: one month's interest at the applicable Net Mortgage Rate on the amount of such prepayment;

(B) principal prepayments in full received on or after the sixteenth day of the month preceding the month of such Distribution Date (or, in the case of the first Distribution Date, on or after the Cut-off Date) but on or before the last day of the month preceding the month of such Distribution Date, the difference between (i) one month's interest at the applicable Net Mortgage Rate on the Scheduled Principal Balance of such Mortgage Loan immediately prior to such prepayment and (ii) the amount of interest for the calendar month of such prepayment (adjusted to the applicable Net Mortgage Rate) received at the time of such prepayment;

(C) principal prepayments in full received by the Company (or of which the Company receives notice, in the case of a Mortgage Loan serviced by a Primary Servicer) on or after the first day but on or before the fifteenth day of the month of such Distribution Date: none; and

(D) Relief Act Mortgage Loans: As to any Relief Act Mortgage Loan, the excess of (i) 30 days' interest (or, in the case of a Principal Prepayment in full, interest to the date of prepayment) on the Scheduled Principal Balance thereof (or, in the case of a Principal Prepayment in part, on the amount so prepaid) at the related Net Mortgage Rate over (ii) 30 days' interest (or, in the case of a Principal Prepayment in full, interest to the date of prepayment) on such Scheduled Principal Balance (or, in the case of a Principal Prepayment in part, on the amount so prepaid) at the Net Mortgage Rate required to be paid by the Mortgagor as limited by application of the Relief Act.

Junior Certificate: Any Class M or Class B Certificate.

Junior Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of the following (but in no event greater than the aggregate Certificate Principal Balance of the Junior Certificates immediately prior to such Distribution Date):

(i) the Junior Percentage of the applicable Non-PO Percentage of the principal portion of each Monthly Payment due on the related Due Date on each Outstanding Mortgage Loan as of such Due Date as specified in the amortization schedule at the time applicable thereto (after adjustment for previous Principal Prepayments and the principal portion of Debt Service Reductions subsequent to the Bankruptcy Coverage Termination Date but before any adjustment to such amortization schedule by reason of any bankruptcy (other than as aforesaid) or similar proceeding or any moratorium or similar waiver or grace period);

(ii) the Junior Prepayment Percentage of the applicable Non-PO Percentage of all principal prepayments in part received during the related Prepayment Period, and 100% of any Senior Optimal Principal Amount not distributed to the Senior Certificates on such Distribution Date, together with the Junior Prepayment Percentage of the applicable Non-PO Percentage of the Scheduled Principal Balance of each Mortgage Loan which was the subject of a Voluntary Principal Prepayment in full during the related Prepayment Period;

(iii) the excess, if any, of (x) the applicable Non-PO Percentage of the sum of (A) all Net Liquidation Proceeds allocable to principal received during the related Prepayment Period (other than in respect of Mortgage Loans described in clause (B)) and (B) the principal balance of each Mortgage Loan that was purchased by an insurer from the Trustee during the related Prepayment Period pursuant to the related Primary Insurance Policy, over (y) the amount distributable pursuant to clause (iii) of the definition of Senior Optimal Principal Amount on such Distribution Date;

(iv) the Junior Prepayment Percentage of the applicable Non-PO Percentage of the Scheduled Principal Balance of each Mortgage Loan which was purchased on such Distribution Date pursuant to Section 2.02, 2.03(a) or 3.16; and

(v) the Junior Prepayment Percentage of the applicable Non-PO Percentage of the Substitution Amount for any Mortgage Loan substituted during the month of such Distribution Date.

After the Class Certificate Principal Balances of the Junior Certificates have been reduced to zero, the Junior Optimal Principal Amount shall be zero.

Junior Percentage: As to any Distribution Date, the excess of 100% over the Senior Percentage for such Distribution Date.

Junior Prepayment Percentage: As to any Distribution Date, the excess of 100% over the Senior Prepayment Percentage for such Distribution Date, except that (i) after the aggregate Certificate Principal Balance of the Senior Certificates other than the Class PO Certificates has been reduced to zero, the Junior Prepayment Percentage shall be 100%, and (ii) after the Cross-Over Date, the Junior Prepayment Percentage shall be zero.

Latest Possible Maturity Date: November 25, 2031.

LIBOR: With respect to any Interest Accrual Period, the per annum rate determined, pursuant to Section 5.08, on the basis of the Interest Settlement Rate or as otherwise provided in such Section.

LIBOR Certificate: None.

LIBOR Determination Date: The second London Banking Day immediately preceding the commencement of each Interest Accrual Period for any LIBOR Certificates.

Liquidated Mortgage Loan: Any defaulted Mortgage Loan as to which the Company has determined that all amounts which it expects to recover on behalf of the Trust Fund from or on account of such Mortgage Loan have been recovered, including any Mortgage Loan with respect to which the Company determines not to foreclose upon the related Mortgaged Property based on its belief that such Mortgaged Property may be contaminated with or affected by hazardous or toxic wastes, materials or substances.

Liquidation Expenses: Expenses which are incurred by the Company in connection with the liquidation of any defaulted Mortgage Loan and not recovered by the Company under any Primary Insurance Policy for reasons other than the Company's failure to comply with Section 3.05, such expenses including, without limitation, legal fees and expenses, and, regardless of when incurred, any unreimbursed amount expended by the Company pursuant to Section 3.03 or Section 3.06 respecting the related Mortgage Loan and any related and unreimbursed Property Protection Expenses.

Liquidation Proceeds: Cash (other than Insurance Proceeds) received in connection with the liquidation of any defaulted Mortgage Loan whether through judicial foreclosure or otherwise.

Living Holder: Any Certificate Owner of a Designated Retail Certificate, other than a Deceased Holder.

Loan-to-Value Ratio: With respect to each Mortgage Loan, the original principal amount of such Mortgage Loan, divided by the Original Value of the related Mortgaged Property.

London Banking Day: Any day on which banks are open for dealing in foreign currency and exchange in London, England.

Loss Allocation Limitation: As defined in Section 4.03(g).

Minimum Servicing Standards: As defined in Section 3.13(a).

MLCC: Merrill Lynch Credit Corporation, or its successor in interest.

Monthly Advance: With respect to any Distribution Date, the aggregate of the advances required to be made by the Company pursuant to Section 4.04(a) (or by the Trustee pursuant to Section 4.04(b)) on such Distribution Date, the amount of any such Monthly Advance being equal to (a) the aggregate of payments of principal and interest (adjusted to the related Net Mortgage Rate) on the Mortgage Loans that were due on the related Due Date, without regard to any arrangements entered into by the Company with the related Mortgagors pursuant to Section 3.02(a)(ii), and delinquent as of the close of business on the Business Day next preceding the related Determination Date, less (b) the amount of any such payments which the Company or the Trustee, as applicable, in its reasonable judgment believes will not be ultimately recoverable by it either out of late payments by the Mortgagor, Net Liquidation Proceeds, Insurance Proceeds, REO Proceeds or otherwise. With respect to any Mortgage Loan, the portion of any such advance or advances made with respect thereto.

Monthly Payment: The scheduled monthly payment on a Mortgage Loan for any month allocable to principal or interest on such Mortgage Loan.

Moody's: Moody's Investors Service, Inc. and its successors.

Mortgage: The mortgage or deed of trust creating a first lien on a fee simple interest or leasehold estate in real property securing a Mortgage Note.

Mortgage 100^SM Loan: A Mortgage Loan identified on Exhibit N hereof that has a Loan-to-Value Ratio at origination in excess of 80.00% and that is secured by Additional Collateral and does not have a Primary Insurance Policy.

Mortgage File: The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to such documents pursuant to this Agreement.

Mortgage Loan Payment Record: The record maintained by the Company pursuant to Section 3.02(b).

Mortgage Loan Schedule: As of any date of determination, the schedule of Mortgage Loans included in the Trust Fund. The initial schedule of Mortgage Loans as of the Cut-off Date is attached hereto as Exhibit C.

Mortgage Loans: As of any date of determination, each of the mortgage loans identified on the Mortgage Loan Schedule (as amended pursuant to Section 2.03(b)) delivered and assigned to the Trustee pursuant to Section 2.01 or 2.03(b), and not theretofore released from the Trust Fund by the Trustee.

Mortgage Note: With respect to any Mortgage Loan, the note or other evidence of indebtedness (which may consist of a Confirmatory Mortgage Note) evidencing the indebtedness of a Mortgagor under such Mortgage Loan.

Mortgage Pool: The aggregate of the Mortgage Loans identified in the Mortgage Loan Schedule.

Mortgage Rate: The per annum rate of interest borne by a Mortgage Loan as set forth in the related Mortgage Note.

Mortgaged Property: The underlying real property securing the Mortgage Loan, or with respect to a Cooperative Loan, the related Proprietary Lease and Cooperative Stock.

Mortgagor: With respect to any Mortgage Loan, each obligor on the related Mortgage Note.

Net Interest Shortfall: With respect to any Distribution Date, the excess, if any, of the aggregate Interest Shortfalls allocable to the Certificates (as determined in accordance with the definition of Interest Shortfall) for such Distribution Date over any Compensating Interest Payment for such date.

Net Liquidation Proceeds: As to any Liquidated Mortgage Loan, the sum of (i) any Liquidation Proceeds therefor less the related Liquidation Expenses, and (ii) any Insurance Proceeds therefor, other than any such Insurance Proceeds applied to the restoration of the related Mortgaged Property.

Net Mortgage Rate: With respect to any Mortgage Loan, the related Mortgage Rate less the applicable Servicing Fee Rate.

Non-Book-Entry Certificate: Any Certificate other than a Book-Entry Certificate.

Non-Discount Mortgage Loan: Any Mortgage Loan with a Net Mortgage Rate greater than or equal to the Designated Rate.

Non-permitted Foreign Holder: As defined in Section 5.02(b).

Non-PO Percentage: As to any Discount Mortgage Loan, a fraction (expressed as a percentage), the numerator of which is the Net Mortgage Rate of such Discount Mortgage Loan and the denominator of which is the Designated Rate. As to any Non-Discount Mortgage Loan, 100%.

Non-Primary Residence Loan: Any Mortgage Loan secured by a Mortgaged Property that is (on the basis of representations made by the Mortgagors at origination) a second home or investor-owned property.

Nonrecoverable Advance: All or any portion of any Monthly Advance or Monthly Advances previously made by the Company (or the Trustee) which, in the reasonable judgment of the Company (or, as applicable, the Trustee) will not be ultimately recoverable from related Net Liquidation Proceeds, Insurance Proceeds, REO Proceeds or otherwise. The determination by the Company that it has made a Nonrecoverable Advance or that any advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by an Officer's Certificate of the Company delivered to the Trustee and detailing the reasons for such determination.

Non-U.S. Person: As defined in Section 4.02(c).

Notional Certificate: Any Class S Certificate.

Notional Component: None.

Notional Component Balance: None.

Notional Principal Balance: As to any Distribution Date and the Class S Certificates, the aggregate Scheduled Principal Balance of the Outstanding Non-Discount Mortgage Loans as of the Due Date in the month preceding such Distribution Date. As to any Distribution Date and any Class S Certificate, such Certificate's Percentage Interest of the aggregate Notional Principal Balance of the Class S Certificates for such Distribution Date.

Officer's Certificate: A certificate signed by the President, a Senior Vice President or a Vice President of the Company and delivered to the Trustee.

Opinion of Counsel: A written opinion of counsel, who may be counsel for the Company; provided, however, that any Opinion of Counsel with respect to the interpretation or application of the REMIC Provisions or the status of an account as an Eligible Account shall be the opinion of independent counsel satisfactory to the Trustee.

Original Subordinate Principal Balance: As set forth in the definition of Senior Prepayment Percentage.

Original Value: The value of the property underlying a Mortgage Loan based, in the case of the purchase of the underlying Mortgaged Property, on the lower of an appraisal satisfactory to the Company or the sales price of such property or, in the case of a refinancing, on an appraisal satisfactory to the Company.

Outstanding Mortgage Loan: With respect to any Due Date, a Mortgage Loan which, prior to such Due Date, was not the subject of a Principal Prepayment in full, did not become a Liquidated Mortgage Loan and was not purchased pursuant to Section 2.02, 2.03(a) or 3.16 or replaced pursuant to Section 2.03(b).

Outstanding Non-Discount Mortgage Loan: Any Outstanding Mortgage Loan that is a Non-Discount Mortgage Loan.

PAC Balance: As to any Distribution Date and any Class of PAC Certificates and any PAC Component, the balance designated as such for such Distribution Date and such Class or Component as set forth in the Principal Balance Schedules.

PAC Certificate: None.

PAC Component: None.

Parent Power^SM Loan: A Mortgage Loan identified on Exhibit N hereto that has a Loan-to-Value Ratio at origination in excess of 80.00%, that is supported by Additional Collateral and does not have a Primary Insurance Policy.

Pay-out Rate: With respect to any Class of Certificates (other than any Class of Principal Only Certificates) and any Distribution Date, the rate at which interest is distributed on such Class on such Distribution Date and which is equal to a fraction (expressed as an annualized percentage) the numerator of which is the Accrued Certificate Interest for such Class and Distribution Date, and the denominator of which is the Class Certificate Principal Balance (or, in the case of the Notional Certificates, the Notional Principal Balance) of such Class immediately prior to such Distribution Date.

Percentage Interest: With respect to any Certificate, the percentage interest in the undivided beneficial ownership interest in the Trust Fund evidenced by Certificates of the same Class as such Certificate. With respect to any Certificate, the Percentage Interest evidenced thereby shall equal the Initial Certificate Principal Balance (or, in the case of a Notional Certificate, the initial Notional Principal Balance) thereof divided by the aggregate Initial Certificate Principal Balance (or, in the case of a Notional Certificate, the aggregate initial Notional Principal Balance) of all Certificates of the same Class.

Permitted Investments: One or more of the following; provided, however, that no such Permitted Investment may mature later than the Business Day preceding the Distribution Date after such investment except as otherwise provided in Section 3.02(e) hereof, provided, further, that such investments qualify as "cash flow investments" as defined in section 860G(a)(6) of the Code:

(i) obligations of, or guaranteed as to timely receipt of principal and interest by, the United States or any agency or instrumentality thereof when such obligations are backed by the full faith and credit of the United States;

(ii) repurchase agreements on obligations specified in clause (i) provided that the unsecured obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in the highest long-term rating category;

(iii) federal funds, certificates of deposit, time deposits and banker's acceptances, of any U.S. depository institution or trust company incorporated under the laws of the United States or any state provided that the debt obligations of such depository institution or trust company at the date of acquisition thereof have been rated by each Rating Agency in the highest long-term rating category;

(iv) commercial paper of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has the highest short term rating of each Rating Agency; and

(v) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not, as evidenced in writing, result in a reduction or withdrawal in the then current rating of the Certificates.

Notwithstanding the foregoing, Permitted Investments shall not include "stripped securities" and investments which contractually may return less than the purchase price therefor.

Person: Any legal person, including any individual, corporation, partnership, limited liability company, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof.

Plan: Any Person which is an employee benefit plan subject to ERISA or a plan subject to section 4975 of the Code.

Pledged Asset Loan-to-Value Ratio: With respect to any Pledged Asset Mortgage Loan, (i) the original loan amount less the portion of any required Additional Collateral which is covered by the Surety Bond, divided by (ii) the Original Value of the related Mortgaged Property.

Pledged Asset Mortgage Loan: Each Mortgage 100^SM Loan and Parent Power^SM Loan purchased from MLCC that is supported by Additional Collateral and identified on Exhibit N hereto.

Pledged Asset Mortgage Servicing Agreement: The Amended and Restated Pledged Asset Mortgage Servicing Agreement, dated as of June 2, 1998, between MLCC and the Company.

PO Percentage: As to any Discount Mortgage Loan, a fraction (expressed as a percentage), the numerator of which is the excess of the Designated Rate over the Net Mortgage Rate of such Discount Mortgage Loan and the denominator of which is the Designated Rate. As to any Non-Discount Mortgage Loan, 0%.

Pool Scheduled Principal Balance: With respect to any Distribution Date, the aggregate Scheduled Principal Balance of all the Mortgage Loans that were Outstanding Mortgage Loans on the Due Date in the month next preceding the month of such Distribution Date (or, in the case of the first Distribution Date, the Cut-off Date; or, if so specified, such other date).

Prepayment Assumption: The assumed fixed schedule of prepayments on a pool of new mortgage loans with such schedule given as a monthly sequence of prepayment rates, expressed as annualized percent values. These values start at 0.2% per year in the first month, increase by 0.2% per year in each succeeding month until month 30, ending at 6.0% per year. At such time, the rate remains constant at 6.0% per year for the balance of the remaining term. Multiples of the Prepayment Assumption are calculated from this prepayment rate series.

Prepayment Assumption Multiple: 250% of the Prepayment Assumption.

Prepayment Distribution Trigger: As of any Distribution Date and as to each Class of Class B Certificates, the related Prepayment Distribution Trigger is satisfied if (x) the fraction, expressed as a percentage, the numerator of which is the aggregate Class Certificate Principal Balance of such Class and each Class subordinate thereto, if any, on such Distribution Date, and the denominator of which is the Pool Scheduled Principal Balance for such Distribution Date, equals or exceeds (y) such percentage calculated as of the Closing Date.

Prepayment Interest Excess: As to any Voluntary Principal Prepayment in full received from the first day through the fifteenth day of any calendar month (other than the calendar month in which the Cut-off Date occurs), all amounts paid in respect of interest on such Principal Prepayment. For purposes of determining the amount of Prepayment Interest Excess for any month, a Voluntary Principal Prepayment in full with respect to a Mortgage Loan serviced by a Primary Servicer shall be deemed to have been received when the Company, as servicer, receives notice thereof. All Prepayment Interest Excess shall be retained by the Company, as servicer, as additional servicing compensation.

Prepayment Period: With respect to any Distribution Date and any Voluntary Principal Prepayment in part or other Principal Prepayment other than a Voluntary Principal Prepayment in full, the calendar month preceding the month of such Distribution Date; with respect to any Distribution Date and any Voluntary Principal Prepayment in full, the period beginning on the sixteenth day of the calendar month preceding the month of such Distribution Date (or, in the case of the first Distribution Date, beginning on the Cut-off Date) and ending on the fifteenth day of the month in which such Distribution Date occurs.

Primary Insurance Policy: The certificate of private mortgage insurance relating to a particular Mortgage Loan, or an electronic screen print setting forth the information contained in such certificate of private mortgage insurance, including, without limitation, information relating to the name of the mortgage insurance carrier, the certificate number, the loan amount, the property address, the effective date of coverage, the amount of coverage and the expiration date of the policy. Each such policy covers defaults by the Mortgagor, which coverage shall equal the portion of the unpaid principal balance of the related Mortgage Loan that exceeds 75% (or such lesser coverage required or permitted by FNMA or FHLMC) of the Original Value of the underlying Mortgaged Property.

Primary Servicer: Any servicer with which the Company has entered into a servicing agreement, as described in Section 3.01(f).

Principal Balance Schedules: Any principal balance schedules attached hereto, if applicable, as Exhibit B, setting forth the PAC Balances of any PAC Certificates and PAC Components, the TAC Balances of any TAC Certificates and TAC Components and the Scheduled Balances of any Scheduled Certificates and Scheduled Components.

Principal Distribution Request: Any request for a distribution in reduction of the Class Certificate Principal Balance of any Designated Retail Certificate, submitted in writing to a Depository Participant or Financial Intermediary (or, if such Designated Retail Certificate is no longer represented by a Book-Entry Certificate, to the Trustee) by the Certificate Owner (or Certificateholder) of such Designated Retail Certificate pursuant to Section 4.10(c) or 4.10(g), as applicable.

Principal Only Certificate: Any Class A2 or Class PO Certificate.

Principal Only Component: None.

Principal Prepayment: Any payment or other recovery of principal on a Mortgage Loan (including, for this purpose, any refinancing permitted by Section 3.01 and any REO Proceeds treated as such pursuant to Section 3.08(b)) which is received in advance of its scheduled Due Date and is not accompanied by an amount of interest representing scheduled interest for any month subsequent to the month of prepayment.

Private Placement Memorandum: The Company's private placement memorandum relating to the placement of the Restricted Junior Certificates dated the date of the prospectus supplement referred to in the definition of Prospectus.

Prohibited Transaction Exemption: U.S. Department of Labor Prohibited Transaction Exemption 90-30, 55 Fed. Reg. 21461, May 24, 1990, as amended.

Property Protection Expenses: With respect to any Mortgage Loan, expenses paid or incurred by or for the account of the Company in accordance with the related Mortgage for (a) real estate property taxes and property repair, replacement, protection and preservation expenses and (b) similar expenses reasonably paid or incurred to preserve or protect the value of such Mortgage to the extent the Company is not reimbursed therefor pursuant to the Primary Insurance Policy, if any, or any other insurance policy with respect thereto.

Proprietary Lease: With respect to a Cooperative Loan, the proprietary lease(s) or occupancy agreement with respect to the Cooperative Apartment occupied by the Mortgagor and relating to the related Cooperative Stock, which lease or agreement confers an exclusive right to the holder of such Cooperative Stock to occupy such apartment.

Prospectus: The Company's prospectus supplement dated November 23, 1999, and the related prospectus dated November 19, 1999, relating to the public offering of the Certificates other than the Restricted Certificates.

Purchase Price: With respect to any Mortgage Loan required or permitted to be purchased hereunder from the Trust Fund, an amount equal to 100% of the unpaid principal balance thereof plus interest thereon at the applicable Mortgage Rate from the date to which interest was last paid to the first day of the month in which such purchase price is to be distributed; provided, however, that if the Company is the servicer hereunder, such purchase price shall be net of unreimbursed Monthly Advances with respect to such Mortgage Loan, and the interest component of the Purchase Price may be computed on the basis of the Net Mortgage Rate for such Mortgage Loan.

QIB: A "qualified institutional buyer" as defined in Rule 144A under the Securities Act of 1933, as amended.

Random Lot: With respect to any Distribution Date prior to the Cross-Over Date, if the amount available for distribution in reduction of the Class Certificate Principal Balance of any Class of Designated Retail Certificates on such Distribution Date exceeds the amount needed to honor all Principal Distribution Requests with respect to such Class on such date, the method by which the Depository will determine which Depository Participants holding interests in such Class of Certificates will receive payments of amounts distributable in respect of principal on such Class on such Distribution Date, using its established random lot procedures or, if such Class of Certificates is no longer represented by Book-Entry Certificates, the method by which the Trustee will determine which Certificates of such Class will receive payments of amounts distributable in respect of principal on such Class on such Distribution Date, using its own random lot procedures comparable to those used by the Depository.

Rating Agency: Any statistical credit rating agency, or its successor, that rated any of the Certificates at the request of the Company at the time of the initial issuance of the Certificates. If such agency or a successor is no longer in existence, "Rating Agency" shall be such statistical credit rating agency, or other comparable Person, designated by the Company, notice of which designation shall be given to the Trustee. References herein to the two highest long-term rating categories of a Rating Agency shall mean such ratings without any modifiers. As of the date of the initial issuance of the Certificates, the Rating Agencies are Fitch and S&P; except that for purposes of the Junior Certificates, other than the Class B5 Certificates, Fitch shall be the sole Rating Agency. The Class B5 Certificates are issued without ratings.

Realized Loss: Any (i) Deficient Valuation or (ii) as to any Liquidated Mortgage Loan, (x) the unpaid principal balance of such Liquidated Mortgage Loan plus accrued and unpaid interest thereon at the Net Mortgage Rate through the last day of the month of such liquidation less (y) the related Liquidation Proceeds and Insurance Proceeds (as reduced by the related Liquidation Expenses).

Record Date: The last Business Day of the month immediately preceding the month of the related Distribution Date.

Reference Banks: As defined in Section 5.08.

Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as amended.

Relief Act Mortgage Loan: Any Mortgage Loan as to which the Monthly Payment thereof has been reduced due to the application of the Relief Act.

REMIC: A "real estate mortgage investment conduit" within the meaning of section 860D of the Code.

REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at sections 860A through 860G of Part IV of Subchapter M of Chapter 1 of the Code, and related provisions, and U.S. Department of the Treasury temporary or final regulations promulgated thereunder, as the foregoing may be in effect from time to time, as well as provisions of applicable state laws.

REO Mortgage Loan: Any Mortgage Loan which is not a Liquidated Mortgage Loan and as to which the related Mortgaged Property is held as part of the Trust Fund.

REO Proceeds: Proceeds, net of any related expenses of the Company, received in respect of any REO Mortgage Loan (including, without limitation, proceeds from the rental of the related Mortgaged Property).

Required Surety Payment: With respect to any Pledged Asset Mortgage Loan that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion of the Realized Loss with respect to such Mortgage Loan and (ii) the excess, if any, of (a) the amount of Additional Collateral required at origination with respect to such Mortgage Loan which is covered by the Surety Bond over (b) the net proceeds realized by MLCC from the liquidation of the related Additional Collateral.

Reserve Fund: None.

Reserve Interest Rate: As defined in Section 5.08.

Residual Certificate: Any Class R Certificate.

Responsible Officer: When used with respect to the Trustee, any officer or assistant officer assigned to and working in the Corporate Trust Department of the Trustee and, also, with respect to a particular matter, any other officer to whom such matter is referred because of such officer's knowledge of and familiarity with the particular subject.

Restricted Certificate: Any Restricted Junior Certificate, Class PO Certificate or Class S Certificate.

Restricted Junior Certificate: Any Class B3, Class B4 or Class B5 Certificate.

Rounding Account: With respect to each Class of Designated Retail Certificates, the respective segregated, non-interest bearing Eligible Account created and maintained therefor pursuant to Section 4.10.

Rounding Account Depositor: For each Rounding Account, Bear, Stearns & Co. Inc.

Rounding Amount: With respect to any Class of Designated Retail Certificates and each Distribution Date prior to the Cross-Over Date on which such Class of Certificates is entitled to a distribution in reduction of the Class Certificate Principal Balance thereof, the amount, if any, necessary to round the aggregate of such distribution (after giving effect to any deposit into the related Rounding Account on such Distribution Date) upward to the next higher integral multiple of $1,000.

S&P: Standard & Poor's Ratings Services, a division of The McGraw-Hill Companies, Inc., and its successors.

SAIF: The Savings Association Insurance Fund of the FDIC, or its successor in interest.

Scheduled Balance: As to any Distribution Date and any Class of Scheduled Certificates and any Scheduled Component, the balance designated as such for such Distribution Date and such Class or Component as set forth in the Principal Balance Schedules.

Scheduled Certificate: None.

Scheduled Component: None.

Scheduled Principal Balance: As to any Mortgage Loan and Distribution Date, the principal balance of such Mortgage Loan as of the Due Date in the month next preceding the month of such Distribution Date (or, if so specified, such other date) as specified in the amortization schedule at the time relating to such Mortgage Loan (before any adjustment to such amortization schedule by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period) after giving effect to any previous Principal Prepayments, Deficient Valuations incurred subsequent to the Bankruptcy Coverage Termination Date, adjustments due to the application of the Relief Act and the payment of principal due on such Due Date, irrespective of any delinquency in payment by the related Mortgagor. As to any Mortgage Loan and the Cut-off Date, the "unpaid balance" thereof specified in the initial Mortgage Loan Schedule.

Security Agreement: With respect to a Cooperative Loan, the agreement creating a security interest in favor of the originator in the related Cooperative Stock and Proprietary Lease.

Senior Certificate: Any Certificate other than a Junior Certificate or Class S Certificate.

Senior Certificate Principal Balance: As of any Distribution Date, an amount equal to the sum of the Certificate Principal Balances of the Senior Certificates (other than any Class PO Certificates).

Senior Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of:

(i) the Senior Percentage of the applicable Non-PO Percentage of the principal portion of each Monthly Payment due on the related Due Date on each Outstanding Mortgage Loan as of such Due Date as specified in the amortization schedule at the time applicable thereto (after adjustments for previous Principal Prepayments and the principal portion of Debt Service Reductions subsequent to the Bankruptcy Coverage Termination Date but before any adjustment to such amortization schedule by reason of any bankruptcy (except as aforesaid) or similar proceeding or any moratorium or similar waiver or grace period);

(ii) the Senior Prepayment Percentage of the applicable Non-PO Percentage of all principal prepayments in part received during the related Prepayment Period, together with the Senior Prepayment Percentage of the applicable Non-PO Percentage of the Scheduled Principal Balance of each Mortgage Loan which was the subject of a Voluntary Principal Prepayment in full during the related Prepayment Period;

(iii) the lesser of (x) the Senior Percentage of the applicable Non-PO Percentage of the sum of (A) the Scheduled Principal Balance of each Mortgage Loan that became a Liquidated Mortgage Loan (other than Mortgage Loans described in clause (B)) during the related Prepayment Period and (B) the Scheduled Principal Balance of each Mortgage Loan that was purchased by an insurer from the Trustee during the related Prepayment Period pursuant to the related Primary Insurance Policy, as reduced in each case by the Senior Percentage of the applicable Non-PO Percentage of the principal portion of any Excess Losses (other than Excess Bankruptcy Losses attributable to Debt Service Reductions), and (y) the Senior Prepayment Percentage of the applicable Non-PO Percentage of the sum of (A) all Net Liquidation Proceeds allocable to principal received in respect of each such Liquidated Mortgage Loan (other than Mortgage Loans described in clause (B)) and (B) the principal balance of each such Mortgage Loan purchased by an insurer from the Trustee pursuant to the related Primary Insurance Policy, in each case during the related Prepayment Period;

(iv) the Senior Prepayment Percentage of the applicable Non-PO Percentage of the Scheduled Principal Balance of each Mortgage Loan which was purchased on such Distribution Date pursuant to Section 2.02, 2.03(a) or 3.16; and

(v) the Senior Prepayment Percentage of the applicable Non-PO Percentage of the Substitution Amount for any Mortgage Loan substituted during the month of such Distribution Date.

Senior Percentage: As to any Distribution Date, the lesser of (i) 100% and (ii) the percentage (carried to six places rounded up) obtained by dividing the Senior Certificate Principal Balance immediately prior to such Distribution Date by an amount equal to the sum of the Certificate Principal Balances of all the Certificates other than any Class PO Certificates immediately prior to such Distribution Date.

Senior Prepayment Percentage: For any Distribution Date occurring prior to the fifth anniversary of the first Distribution Date, 100%. For any Distribution Date occurring on or after the fifth anniversary of the first Distribution Date, an amount as follows:

(i) for any Distribution Date subsequent to November 2004 to and including the Distribution Date in November 2005, the Senior Percentage for such Distribution Date plus 70% of the Junior Percentage for such Distribution Date;

(ii) for any Distribution Date subsequent to November 2005 to and including the Distribution Date in November 2006, the Senior Percentage for such Distribution Date plus 60% of the Junior Percentage for such Distribution Date;

(iii) for any Distribution Date subsequent to November 2006 to and including the Distribution Date in November 2007, the Senior Percentage for such Distribution Date plus 40% of the Junior Percentage for such Distribution Date;

(iv) for any Distribution Date subsequent to November 2007 to and including the Distribution Date in November 2008, the Senior Percentage for such Distribution Date plus 20% of the Junior Percentage for such Distribution Date; and

(v) for any Distribution Date thereafter, the Senior Percentage for such Distribution Date.

Notwithstanding the foregoing, if on any Distribution Date the Senior Percentage exceeds the Senior Percentage as of the Closing Date, the Senior Prepayment Percentage for such Distribution Date will equal 100%.

In addition, notwithstanding the foregoing, no reduction of the Senior Prepayment Percentage below the level in effect for the most recent prior period as set forth in clauses (i) through (iv) above shall be effective on any Distribution Date unless at least one of the following two tests is satisfied:

Test I: If, as of the last day of the month preceding such Distribution Date, (i) the aggregate Scheduled Principal Balance of Mortgage Loans delinquent 60 days or more (including for this purpose any Mortgage Loans in foreclosure and REO Mortgage Loans) as a percentage of the aggregate Class Certificate Principal Balance of the Junior Certificates as of such date, does not exceed 50%, and (ii) cumulative Realized Losses with respect to the Mortgage Loans do not exceed (a) 30% of the aggregate Class Certificate Principal Balance of the Junior Certificates as of the Closing Date (the "Original Subordinate Principal Balance") if such Distribution Date occurs between and including December 2004 and November 2005, (b) 35% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including December 2005 and November 2006, (c) 40% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including December 2006 and November 2007, (d) 45% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including December 2007 and November 2008 and (e) 50% of the Original Subordinate Principal Balance if such Distribution Date occurs during or after December 2008; or

Test II: If, as of the last day of the month preceding such Distribution Date, (i) the aggregate Scheduled Principal Balance of Mortgage Loans delinquent 60 days or more (including for this purpose any Mortgage Loans in foreclosure and REO Mortgage Loans) averaged over the last three months, as a percentage of the aggregate Scheduled Principal Balance of Mortgage Loans averaged over the last three months, does not exceed 4%, and (ii) cumulative Realized Losses with respect to the Mortgage Loans do not exceed (a) 10% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including December 2004 and November 2005, (b) 15% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including December 2005 and November 2006, (c) 20% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including December 2006 and November 2007, (d) 25% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including December 2007 and November 2008 and (e) 30% of the Original Subordinate Principal Balance if such Distribution Date occurs during or after December 2008.

Senior Principal Priorities: The priorities for the distribution of principal to the Senior Certificates as set forth in Exhibit O hereto.

Servicer's Certificate: A certificate, completed by and executed on behalf of the Company by a Servicing Officer in accordance with Section 4.06, substantially in the form of Exhibit D hereto or in such other form as the Company and the Trustee shall agree.

Servicing Fee: As to any Mortgage Loan and Distribution Date, an amount equal to the product of (i) the Scheduled Principal Balance of such Mortgage Loan as of the Due Date in the preceding calendar month and (ii) the Servicing Fee Rate for such Mortgage Loan.

Servicing Fee Rate: As to any Mortgage Loan, the per annum rate identified as such for such Mortgage Loan and set forth in the Mortgage Loan Schedule.

Servicing Officer: Any officer of the Company involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name appears on a list of servicing officers attached to an Officer's Certificate furnished to the Trustee by the Company, as such list may from time to time be amended.

Single Certificate: A Certificate with an Initial Certificate Principal Balance, or initial Notional Principal Balance, of $1,000 or, in the case of a Class of Certificates issued with an initial Class Certificate Principal Balance or initial Notional Principal Balance of less than $1,000, such lesser amount.

Special Event Loss: Any Fraud Loss, Special Hazard Loss or Deficient Valuation.

Special Hazard Loss: (i) A Realized Loss suffered by a Mortgaged Property on account of direct physical loss, exclusive of (a) any loss covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property under Section 3.06 and (b) any loss caused by or resulting from:

(A) normal wear and tear;

(B) conversion or other dishonest act on the part of the Trustee, the Company or any of their agents or employees; or

(C) errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues;

or (ii) any Realized Loss suffered by the Trust Fund arising from or related to the presence or suspected presence of hazardous wastes or hazardous substances on a Mortgaged Property unless such loss to a Mortgaged Property is covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property under Section 3.06.

Special Hazard Loss Amount: As of any Distribution Date, an amount equal to $4,439,614 minus the sum of (i) the aggregate amount of Special Hazard Losses that would have been allocated to the Junior Certificates in accordance with Section 4.03 in the absence of the Loss Allocation Limitation and (ii) the Adjustment Amount (as defined below) as most recently calculated. On each anniversary of the Cut-off Date, the "Adjustment Amount" shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the lesser of (x) the greater of (A) the product of the Special Hazard Percentage for such anniversary multiplied by the outstanding principal balance of all the Mortgage Loans on the Distribution Date immediately preceding such anniversary and (B) twice the outstanding principal balance of the Mortgage Loan which has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary, and (y) an amount calculated by the Company and approved by each Rating Agency, which amount shall not be less than $500,000.

Special Hazard Percentage: As of each anniversary of the Cut-off Date, the greater of (i) 1.00% and (ii) the largest percentage obtained by dividing (x) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located in a single, five-digit zip code area in the State of California by (y) the outstanding principal balance of all the Mortgage Loans as of the immediately preceding Distribution Date.

Special Hazard Termination Date: The Distribution Date upon which the Special Hazard Loss Amount has been reduced to zero or a negative number (or the Cross-Over Date, if earlier).

Specified Component: None.

Startup Day: As defined in Section 2.05(b).

Strip Rate: With respect to the Class S Certificates and any Distribution Date, a variable rate per annum equal to the excess of (x) the weighted average (by Scheduled Principal Balance) carried to six decimal places, rounded down, of the Net Mortgage Rates of the Outstanding Non-Discount Mortgage Loans as of the Due Date in the preceding calendar month (or the Cut-off Date, in the case of the first Distribution Date) over (y) the Designated Rate; provided, however, that such calculation shall not include any Mortgage Loan that was the subject of a Voluntary Principal Prepayment in full received by the Company (or of which the Company received notice, in the case of a Mortgage Loan serviced by a Primary Servicer) on or after the first day but on or before the 15th day of such preceding calendar month.

Subordinate Certificates: As to any date of determination, first, the Class B5 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; second, the Class B4 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; third, the Class B3 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; fourth, the Class B2 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; fifth, the Class B1 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; and sixth, the Class M Certificates until the Class Certificate Principal Balance thereof has been reduced to zero.

Subordinate Certificate Writedown Amount: As to any Distribution Date, first, any amount distributed to the Class PO Certificates on such Distribution Date pursuant to Section 4.01(a)(iv) and second, after giving effect to the application of clause first above, the amount by which (i) the sum of the Class Certificate Principal Balances of all the Certificates (after giving effect to the distribution of principal and the application of Realized Losses in reduction of the Certificate Principal Balances of the related Certificates on such Distribution Date) exceeds (ii) the Pool Scheduled Principal Balance on the first day of the month of such Distribution Date less any Deficient Valuations occurring on or prior to the Bankruptcy Coverage Termination Date.

Substitution Amount: With respect to any Mortgage Loan substituted pursuant to Section 2.03(b), the excess of (x) the Scheduled Principal Balance of the Mortgage Loan that is substituted for, over (y) the Scheduled Principal Balance of the related substitute Mortgage Loan, each balance being determined as of the date of substitution.

Surety: Ambac Assurance Corporation, or its successors in interest.

Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE), dated February 28, 1996, issued by the Surety for the benefit of certain beneficiaries, including the Trustee for the benefit of the Holders of the Certificates, but only to the extent that such Limited Purpose Surety Bond covers any Pledged Asset Mortgage Loans.

TAC Balance: As to any Distribution Date and any Class of TAC Certificates and any TAC Component, the balance designated as such for such Distribution Date and such Class or Component as set forth in the Principal Balance Schedules attached as Exhibit B hereto.

TAC Certificates: None.

TAC Component: None.

Trigger Event: Any one or more of the following: (i) if the Company is not a wholly-owned direct or indirect subsidiary of General Electric Company or if General Electric Capital Corporation shall not own (directly or indirectly) at least two-thirds of the voting shares of the capital stock of the Company, (ii) if the long-term senior unsecured rating of General Electric Capital Corporation is downgraded or withdrawn by Fitch or S&P below their two highest rating categories, (iii) if General Electric Capital Corporation is no longer obligated pursuant to the terms of the support agreement, dated as of October 1, 1990, between General Electric Capital Corporation and the Company, to maintain the Company's net worth or liquidity (as such terms are defined therein) at the levels specified therein, or if such support agreement, including any amendment thereto, has been breached, terminated or otherwise held to be unenforceable and (iv) if such support agreement, including any amendment thereto, is amended or modified.

Trust Fund: The corpus of the trust created by this Agreement evidenced by the Certificates and consisting of:

(i) the Mortgage Loans;

(ii) all payments on or collections in respect of such Mortgage Loans, except as otherwise described in the first paragraph of Section 2.01, including the proceeds from the liquidation of any Additional Collateral for any Pledged Asset Mortgage Loan;

(iii) the obligation of the Company to deposit in the Certificate Account the amounts required by Sections 3.02(d), 3.02(e) and 4.04(a), and the obligation of the Trustee to deposit in the Certificate Account any amount required pursuant to Section 4.04(b);

(iv) the obligation of the Company to purchase or replace any Defective Mortgage Loan pursuant to Section 2.02 or 2.03;

(v) all property acquired by foreclosure or deed in lieu of foreclosure with respect to any REO Mortgage Loan;

(vi) the proceeds of the Primary Insurance Policies, if any, and the hazard insurance policies required by Section 3.06, in each case, in respect of the Mortgage Loans, and the Company's interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01;

(vii) the Certificate Account established pursuant to Section 3.02(d);

(viii) the Eligible Account or Accounts, if any, established pursuant to Section 3.02(e);

(ix) any collateral funds established to secure the obligations of the Holder of the Class B4 and Class B5 Certificates, respectively, under any agreements entered into between such holder and the Company pursuant to Section 3.08(e) (which collateral funds will not constitute a part of any REMIC established hereunder);

(x) all rights of the Company as assignee under any security agreements, pledge agreements or guarantees relating to the Additional Collateral supporting any Pledged Asset Mortgage Loan (which rights will not constitute a part of any REMIC established hereunder); and

(xi) all rights of the Company as assignee under any security agreements or pledge agreements relating to the Additional Collateral supporting any CashSaver Mortgage Loan (which rights will not constitute a part of any REMIC established hereunder).

Trustee: The institution executing this Agreement as Trustee, or its successor in interest, or if any successor trustee is appointed as herein provided, then such successor trustee so appointed.

Unanticipated Recovery: As defined in Section 4.01(f) herein.

Uninsured Cause: Any cause of damage to property subject to a Mortgage such that the complete restoration of the property is not fully reimbursable by the hazard insurance policies required to be maintained pursuant to Section 3.06.

Unpaid Class Interest Shortfall: As to any Distribution Date and any Class of Certificates (other than any Class of Principal Only Certificates and any Class consisting of Specified Components) or any Specified Component (other than any Principal Only Component), the amount, if any, by which the aggregate of the Class Interest Shortfalls for such Class or in respect of such Specified Component for prior Distribution Dates is in excess of the aggregate amounts distributed on prior Distribution Dates to Holders of such Class of Certificates or in respect of such Specified Component (or added to the Class Certificate Principal Balance of any Class of Accrual Certificates, or to the Component Principal Balance of any Accrual Component constituting a Specified Component) pursuant to Section 4.01(a)(ii), in the case of the Senior Certificates (other than any Class of Principal Only Certificates) and any Specified Component thereof (other than any Principal Only Component) and the Class S Certificates, Section 4.01(a)(vi), in the case of the Class M Certificates, Section 4.01(a)(ix), in the case of the Class B1 Certificates, Section 4.01(a)(xii), in the case of the Class B2 Certificates, Section 4.01(a)(xv), in the case of the Class B3 Certificates, Section 4.01(a)(xviii), in the case of the Class B4 Certificates, and Section 4.01(a)(xxi), in the case of the Class B5 Certificates. As to any Class of Certificates consisting of Specified Components and any Distribution Date, the sum of the Unpaid Class Interest Shortfalls for the Specified Components thereof on such date.

Voluntary Principal Prepayment: With respect to any Distribution Date, any prepayment of principal received from the related Mortgagor on a Mortgage Loan.

Voting Rights: The portion of the voting rights of all the Certificates that is allocated to any Certificate for purposes of the voting provisions of Section 10.01. At all times during the term of this Agreement, 99% of all Voting Rights shall be allocated to the Certificates other than the Class S Certificates, and 1% of all Voting Rights shall be allocated to the Class S Certificates. Voting Rights allocated to the Class S Certificates shall be allocated among the Certificates of such Class in proportion to their Notional Principal Balances. Voting Rights allocated to the other Classes of Certificates shall be allocated among such Classes (and among the Certificates within each such Class) in proportion to their Class Certificate Principal Balances (or Certificate Principal Balances), as the case may be.

ARTICLE II

CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01. Conveyance of Mortgage Loans. (a) The Company, concurrently with the execution and delivery of this Agreement, does hereby transfer, assign, set-over and otherwise convey to the Trustee without recourse (except as provided herein) all the right, title and interest of the Company in and to the Mortgage Loans, including all interest and principal received by the Company 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, and all Principal Prepayments received on or before, the Cut-off Date). The Company acknowledges it has sold all right, title and interest in and to the Mortgage Loans to the Trustee to the extent provided above and that retention of record title of Mortgages (subject to Section 2.01(d) of this Agreement) is for convenience only and that the Company holds record title solely as custodian for the Trustee for benefit of the Certificateholders. The Company agrees that it will take no action inconsistent with ownership of the Mortgage Loans by the Trustee and will not deliver any instrument of satisfaction or conveyance with respect to a Mortgage or a Mortgage Loan, or convey or purport to convey any interest in a Mortgage Loan, except in accordance with the terms and the intent of this Agreement.

With respect to any Pledged Asset Mortgage Loan, the Company does hereby transfer, assign, set-over and otherwise convey to the Trustee without recourse (except as provided herein) (i) its rights as assignee under any security agreements, pledge agreements or guarantees relating to the Additional Collateral supporting any Pledged Asset Mortgage Loan, (ii) its security interest in and to any Additional Collateral, (iii) its right to receive payments in respect of any Pledged Asset Mortgage Loan pursuant to the Pledged Asset Mortgage Servicing Agreement, and (iv) its rights as beneficiary under the Surety Bond in respect of any Pledged Asset Mortgage Loan.

In addition, with respect to any CashSaver Mortgage Loan, the Company does hereby transfer, assign, set-over and otherwise convey to the Trustee without recourse (except as provided herein) (i) its rights as assignee under any security agreements, pledge agreements or guarantees relating to the Additional Collateral supporting any CashSaver Mortgage Loan, (ii) its security interest in and to any Additional Collateral and (iii) its right to receive payments in respect of any CashSaver Mortgage Loan.

(b) In connection with such transfer and assignment, the Company does hereby deliver to the Trustee the following documents or instruments with respect to:

(1) Each Mortgage Loan (other than any Cooperative Loan or Designated Loan) so transferred and assigned:

(i) The Mortgage Note, endorsed without recourse in blank by the Company, including all intervening endorsements showing a complete chain of endorsement from the originator to the Company; provided, however, that if such Mortgage Note is a Confirmatory Mortgage Note, such Confirmatory Mortgage Note may be payable directly to the Company or may show a complete chain of endorsement from the named payee to the Company;

(ii) Any assumption and modification agreement;

(iii) An assignment in recordable form (which may be included in a blanket assignment or assignments) of the Mortgage to the Trustee; and

(2) Each Cooperative Loan (other than a Designated Loan) so transferred and assigned:

(i) The Mortgage Note, endorsed without recourse in blank by the Company and showing an unbroken chain of endorsements from the originator to the Company; provided, however, that if such Mortgage Note is a Confirmatory Mortgage Note, such Confirmatory Mortgage Note may be payable directly to the Company or may show a complete chain of endorsement from the named payee to the Company;

(ii) A counterpart of the Proprietary Lease and the Assignment of Proprietary Lease executed in blank or to the originator of the Cooperative Loan;

(iii) The related Cooperative Stock Certificate, together with an undated stock power (or other similar instrument) executed in blank;

(iv) A counterpart of the recognition agreement by the Cooperative of the interests of the mortgagee with respect to the related Cooperative Loan;

(v) The Security Agreement;

(vi) Copies of the original UCC-1 financing statement, and any continuation statements, filed by the originator of such Cooperative Loan as secured party, each with evidence of recording thereof, evidencing the interest of the originator in the Cooperative Stock and the Proprietary Lease;

(vii) If applicable, copies of the UCC-3 assignments of the security interest described in clause (vi) above, sent to the appropriate public office for filing, showing an unbroken chain of title from the originator to the Company, evidencing the security interest of the originator in the Cooperative Stock and the Proprietary Lease;

(viii) An executed assignment (which may be a blanket assignment for all Cooperative Loans) of the interest of the Company in the Security Agreement, Assignment of Proprietary Lease and the recognition agreement described in clause (iv) above, showing an unbroken chain of title from the originator to the Trustee; and

(ix) A UCC-3 assignment from the Company to the Trustee of the security interest described in clause (vi) above, in form suitable for filing, otherwise complete except for filing information regarding the original UCC-1 if unavailable (which may be included in a blanket assignment to the Trustee).

In instances where a completed assignment of the Mortgage in recordable form cannot be delivered by the Company to the Trustee in accordance with Section 2.01(b)(1)(iii) prior to or concurrently with the execution and delivery of this Agreement, due to a delay in connection with recording of the Mortgage, the Company may, in lieu of delivering the completed assignment in recordable form, deliver to the Trustee the assignment in such form, otherwise complete except for recording information.

(3) With respect to each Designated Loan, the Company does hereby deliver to the Trustee the Designated Loan Closing Documents.

(c) In connection with each Mortgage Loan transferred and assigned to the Trustee, the Company shall deliver to the Trustee the following documents or instruments as promptly as practicable, but in any event within 30 days, after receipt by the Company of all such documents and instruments for all of the outstanding Mortgage Loans:

(1) the Mortgage with evidence of recording indicated thereon (other than with respect to a Cooperative Loan);

(2) a copy of the title insurance policy (other than with respect to a Cooperative Loan);

(3) with respect to any Mortgage that has been assigned to the Company, the related recorded intervening assignment or assignments of Mortgage, showing a complete chain of assignment from the originator to the Company (other than with respect to a Cooperative Loan); and

(4) with respect to any Cooperative Loan that has been assigned to the Company, the related filed intervening UCC-3 financing statements (not previously delivered pursuant to Section 2.01(b)(2)(vii)), showing a complete chain of assignment from the named originator to the Company.

Pending such delivery, the Company shall retain in its files (a) copies of the documents described in clauses (1) and (3) of the preceding sentence, without evidence of recording thereon, and (b) title insurance binders with respect to the Mortgage Loans (other than with respect to a Cooperative Loan). The Company shall also retain in its files the Primary Insurance Policy evidencing any primary mortgage insurance relating to the Mortgage Loans during the period when the related insurance is in force. (The copies of the Mortgage, intervening assignments of Mortgage, if any, title insurance binder and the Primary Insurance Policy, if any, described in the two preceding sentences are collectively referred to herein as the "Document File" with respect to each Mortgage Loan.) The Company shall advise the Trustee in writing if such delivery to the Trustee shall not have occurred on or before the first anniversary of the Closing Date. The Company shall promptly furnish to the Trustee the documents included in the Document Files (other than any such documents previously delivered to the Trustee as originals or copies) either (a) upon the written request of the Trustee or (b) when the Company or the Trustee obtains actual notice or knowledge of a Trigger Event. The Trustee shall have no obligation to request delivery of the Document Files unless a Responsible Officer of the Trustee has actual notice or knowledge of the occurrence of a Trigger Event.

In the case of Mortgage Loans which have been prepaid in full after the Cut-off Date and prior to the date of execution and delivery of this Agreement, the Company, in lieu of delivering the above documents to the Trustee, herewith delivers to the Trustee a certification of a Servicing Officer of the nature set forth in Section 3.09.

(d) The Company shall not be required to record the assignments of the Mortgages referred to in Section 2.01(b)(1)(iii) or file the UCC-3 assignments referred to in Section 2.01(b)(2)(ix) to the Trustee unless the Company or the Trustee obtains actual notice or knowledge of the occurrence of any Trigger Event; provided, however, that such recording or filing shall not be required if the Company delivers to the Trustee a letter from each Rating Agency to the effect that the failure to take such action will not cause such Rating Agency to reduce or withdraw its then current ratings of the Certificates. The party obtaining actual notice or knowledge of any of such events shall give the other party prompt written notice thereof. For purposes of the foregoing (as well as for purposes of determining whether the Company shall be required to deliver the Document Files to the Trustee following the occurrence of a Trigger Event), the Company shall be deemed to have knowledge of any such downgrading referred to in the definition of Trigger Event if, in the exercise of reasonable diligence, the Company has or should have had knowledge thereof. As promptly as practicable subsequent to the Company's delivery or receipt of such written notice, as the case may be, the Company shall insert the recording or filing information in the assignments of the Mortgages or UCC-3 assignments to the Trustee and shall cause the same to be recorded or filed, at the Company's expense, in the appropriate public office for real property records or UCC financing statements, except that the Company need not cause to be so completed and recorded any assignment of mortgage which relates to a Mortgage Loan secured by property in a jurisdiction under the laws of which, on the basis of an Opinion of Counsel reasonably satisfactory to the Trustee and satisfactory to each Rating Agency (as evidenced in writing), recordation of such assignment is not necessary to protect the Trustee against discharge of such Mortgage Loan by the Company or any valid assertion that any Person other than the Trustee has title to or any rights in such Mortgage Loan. In the event that the Company fails or refuses to record or file the assignment of Mortgages or UCC-3 financing statement in the circumstances provided above, the Trustee shall record or cause to be recorded or filed such assignment or UCC-3 financing statement at the expense of the Company. In connection with any such recording or filing, the Company shall furnish such documents as may be reasonably necessary to accomplish such recording or filing. Notwithstanding the foregoing, at any time the Company may record or file, or cause to be recorded or filed, the assignments of Mortgages or UCC-3 financing statement at the expense of the Company.

Section 2.02. Acceptance by Trustee. Subject to the examination hereinafter provided, the Trustee acknowledges receipt of the Mortgage Notes, the assignments of the Mortgages to the Trustee, the assumption and modification agreements, if any, the documents specified in Section 2.01(b)(2) (subject to any permitted delayed delivery of the documents described in Section 2.01(c)(4)), and the Designated Loan Closing Documents, if any, delivered pursuant to Section 2.01, and declares that the Trustee holds and will hold such documents and each other document delivered to it pursuant to Section 2.01 in trust, upon the trusts herein set forth, for the use and benefit of all present and future Certificateholders. The Trustee agrees, for the benefit of the Certificateholders, to review each Mortgage File within 45 days after (i) the execution and delivery of this Agreement, in the case of the Mortgage Notes, the assignments of the Mortgages to the Trustee, the assumption and modification agreements, if any, the documents specified in Section 2.01(b)(2) (subject to any permitted delayed delivery of the documents described in Section 2.01(c)(4)), and the Designated Loan Closing Documents, if any, (ii) delivery to the Trustee after the Closing Date of the Mortgage Notes and the assumption and modification agreements, if any, with respect to each Designated Loan, and (iii) delivery of the recorded Mortgages, title insurance policies, recorded intervening assignments of Mortgage, if any, and filed intervening UCC-3 financing statements, if any, with respect to any Cooperative Loan to ascertain that all required documents set forth in Section 2.01 have been executed, received and recorded, if applicable, and that such documents relate to the Mortgage Loans identified in Exhibit C hereto. In performing such examination, the Trustee may conclusively assume the due execution and genuineness of any such document and the genuineness of any signature thereon. It is understood that the scope of the Trustee's examination of the Mortgage Files is limited solely to confirming, after receipt of the documents listed in Section 2.01, that such documents have been executed, received and recorded, if applicable, and relate to the Mortgage Loans identified in Exhibit C to this Agreement. If in the course of such review the Trustee finds (1) that any document required to be delivered as aforesaid has not been delivered, or (2) any such document has been mutilated, defaced or physically altered without the borrower's authorization or approval, or (3) based upon its examination of such documents, the information with respect to any Mortgage Loan set forth on Exhibit C is not accurate, the Trustee shall promptly so notify the Company in writing, which shall have a period of 60 days after receipt of such notice to correct or cure any such defect. The Company hereby covenants and agrees that, if any such material defect cannot be corrected or cured, the Company will on a Distribution Date which is not later than the first Distribution Date which is more than ten days after the end of such 60-day period repurchase the related Mortgage Loan from the Trustee at the Purchase Price therefor or replace such Mortgage Loan pursuant to Section 2.03(b); provided, however, that if the defect (or breach pursuant to Section 2.03(a)) is one that, had it been discovered before the Startup Day, would have prevented the Mortgage Loan from being a "qualified mortgage" within the meaning of the REMIC Provisions, such defect or breach shall be cured, or the related Mortgage Loan shall be repurchased or replaced, on a Distribution Date which falls within 90 days of the date of discovery of such defect or breach. The Purchase Price for the repurchased Mortgage Loan, or any amount required in respect of a substitution pursuant to Section 2.03(b), shall be deposited by the Company in the Certificate Account pursuant to Section 3.02(d) on the Business Day prior to the applicable Distribution Date and, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee shall release or cause to be released to the Company the related Mortgage File and shall execute and deliver or cause to be executed and delivered such instruments of transfer or assignment, in each case without recourse, as shall be necessary to vest in the Company any Mortgage Loan released pursuant hereto. It is understood and agreed that the obligation of the Company to repurchase or replace any Mortgage Loan as to which a material defect in a constituent document exists shall constitute the sole remedy respecting such defect available to Certificateholders or the Trustee on behalf of Certificateholders.

Upon receipt by the Trustee of the Mortgage Note with respect to a Designated Loan that is not defective in accordance with the fifth sentence of the preceding paragraph, the related Lost Note Affidavit delivered pursuant to Section 2.01 shall be void and the Trustee shall return it to the Company.

Section 2.03. Representations and Warranties of the Company; Mortgage Loan Repurchase. (a) The Company hereby represents and warrants to the Trustee that:

(i) The information set forth in Exhibit C hereto was true and correct in all material respects at the date or dates respecting which such information is furnished;

(ii) As of the date of the initial issuance of the Certificates, other than with respect to Cooperative Loans, each Mortgage is a valid and enforceable first lien on the property securing the related Mortgage Note subject only to (a) the lien of current real property taxes and assessments, (b) covenants, conditions and restrictions, rights of way, easements and other matters of public record as of the date of recording of such Mortgage, such exceptions appearing of record being acceptable to mortgage lending institutions generally in the area wherein the property subject to the Mortgage is located or specifically reflected in the appraisal obtained in connection with the origination of the related Mortgage Loan obtained by the Company and (c) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by such Mortgage;

(iii) Immediately prior to the transfer and assignment herein contemplated, the Company had good title to, and was the sole owner of, each Mortgage Loan and all action had been taken to obtain good record title to each related Mortgage. Each Mortgage Loan has been transferred free and clear of any liens, claims and encumbrances;

(iv) As of the date of the initial issuance of the Certificates, no payment of principal of or interest on or in respect of any Mortgage Loan is 30 or more days past due and none of the Mortgage Loans have been past due 30 or more days more than once during the preceding 12 months;

(v) As of the date of the initial issuance of the Certificates, other than with respect to Cooperative Loans, there is no mechanics' lien or claim for work, labor or material affecting the premises subject to any Mortgage which is or may be a lien prior to, or equal or coordinate with, the lien of such Mortgage except those which are insured against by the title insurance policy referred to in (x) below;

(vi) As of the date of the initial issuance of the Certificates, other than with respect to Cooperative Loans, there is no delinquent tax or assessment lien against the property subject to any Mortgage;

(vii) As of the date of the initial issuance of the Certificates, there is no valid offset, defense or counterclaim to any Mortgage Note or Mortgage, including the obligation of the Mortgagor to pay the unpaid principal and interest on such Mortgage Note;

(viii) As of the date of the initial issuance of the Certificates, the physical property subject to any Mortgage (or, in the case of a Cooperative Loan, the related Cooperative Apartment) is free of material damage and is in good repair;

(ix) Each Mortgage Loan at the time it was made complied in all material respects with applicable state and federal laws, including, without limitation, usury, equal credit opportunity and disclosure laws;

(x) Other than with respect to Cooperative Loans, a lender's title insurance policy or binder, or other assurance of title insurance customary in the relevant jurisdiction therefor was issued on the date of the origination of each Mortgage Loan and each such policy or binder is valid and remains in full force and effect;

(xi) Each Mortgage Loan (other than a Pledged Asset Mortgage Loan) that had, as of the Cut-off Date, a Loan-to-Value Ratio of more than 80% is covered by a Primary Insurance Policy so long as its then outstanding principal amount exceeds 80% of the greater of (a) the Original Value and (b) the then current value of the related Mortgaged Property as evidenced by an appraisal thereof satisfactory to the Company, except to the extent such coverage may otherwise be terminable under applicable law. Each Primary Insurance Policy is issued by a private mortgage insurer acceptable to FNMA or FHLMC;

(xii) Each Mortgage Note is payable on the first day of each month in self-amortizing monthly installments of principal and interest, with interest payable in arrears, over an original term of not more than the Designated Maturity;

(xiii) Other than with respect to Cooperative Loans, the improvements on the Mortgaged Properties are insured against loss under a hazard insurance policy with extended coverage and conforming to the requirements of Section 3.06 hereof. As of the date of initial issuance of the Certificates, all such insurance policies are in full force and effect;

(xiv) As to each condominium securing a Mortgage Loan or the related Mortgage Loan, (a) the related condominium is in a project that is on the FNMA or FHLMC approved list, (b) the related condominium is in a project that, upon submission of appropriate application, could be so approved by either FNMA or FHLMC, (c) the related Mortgage Loan meets the requirements for purchase by FNMA or FHLMC, (d) the related Mortgage Loan is of the type that could be approved for purchase by FNMA or FHLMC but for the principal balance of the related Mortgage Loan or the pre-sale requirements or (e) the related Mortgage Loan has been approved by a nationally recognized mortgage pool insurance company for coverage under a mortgage pool insurance policy issued by such insurer;

(xv) Other than with respect to Cooperative Loans, no Mortgage Loan is secured by a leasehold interest in the related Mortgaged Property and each Mortgagor holds fee title to the related Mortgaged Property;

(xvi) The Mortgage Loans and the Mortgaged Properties, individually and in the aggregate, conform in all material respects to the applicable descriptions thereof contained in the Prospectus;

(xvii) All appraisals have been prepared substantially in accordance with the description contained under the caption "The Trusts - Appraisals" in the Prospectus;

(xviii) No selection procedures, other than those necessary to comply with the representations and warranties set forth herein or the description of the Mortgage Loans made in any disclosure document delivered to prospective investors in the Certificates, have been utilized in selecting the Mortgage Loans from the Company's portfolio which would be adverse to the interests of the Certificateholders;

(xix) Other than with respect to Cooperative Loans, to the best of the Company's knowledge, at origination no improvement located on or being part of a Mortgaged Property was in violation of any applicable zoning and subdivision laws and ordinances;

(xx) None of the Mortgage Loans is a temporary construction loan. With respect to any Mortgaged Property which constitutes new construction, the related construction has been completed substantially in accordance with the specifications therefor and any incomplete aspect of such construction shall not be material or interfere with the habitability or legal occupancy of the Mortgaged Property. Mortgage Loan amounts sufficient to effect any such completion are in escrow for release upon or in connection with such completion or a performance bond or completion bond is in place to provide funds for this purpose and such completion shall be accomplished within 120 days after weather conditions permit the commencement thereof;

(xxi) As of the Closing Date, each Mortgage Loan is a "qualified mortgage" as defined in Section 860G(a)(3) of the Code;

(xxii) As of the Closing Date, the Company possesses the Document File with respect to each Mortgage Loan, and, other than with respect to Cooperative Loans, the related Mortgages and intervening assignment or assignments of Mortgages, if any, have been delivered to a title insurance company for recording;

(xxiii) With respect to each Mortgage Loan identified in Exhibit C as a Cooperative Loan:

(A) The Security Agreement creates a first lien in the stock ownership and leasehold rights associated with the related Cooperative Apartment;

(B) The lien created by the related Security Agreement is a valid, enforceable and subsisting first priority security interest in the related Cooperative Stock securing the related Mortgage Note, subject only to (a) liens of the Cooperative for unpaid assessments representing the Mortgagor's pro rata share of the Cooperative's payments for its blanket mortgage, current and future real property taxes, insurance premiums, maintenance fees and other assessments to which like collateral is commonly subject and (b) other matters to which like collateral is commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Security Agreement. There are no liens against or security interest in the Cooperative Stock relating to such Cooperative Loan (except for unpaid maintenance, assessments and other amounts owed to the related Cooperative which individually or in the aggregate do not have a material adverse effect on such Cooperative Loan), which have priority over the Trustee's security interest in such Cooperative Stock;

(C) The Cooperative Stock that is pledged as security for the Mortgage Loan is held by a person as a "tenant-stockholder" within the meaning of section 216 of the Code, the related Cooperative that owns title to the related cooperative apartment building is a "cooperative housing corporation" within the meaning of section 216 of the Code, and such Cooperative is in material compliance with applicable federal, state and local laws which, if not complied with, could have a material adverse effect on the Mortgaged Property; and

(D) There is no prohibition against pledging the Cooperative Stock or assigning the Proprietary Lease; and

(xxiv) With respect to each Mortgage Loan identified on Exhibit C as having been originated or acquired under the Company's Enhanced Streamlined Refinance program, the value of the related Mortgaged Property, as of the date of such origination or acquisition under the Company's Enhanced Streamlined Refinance program, is no less than the value thereof established at the time the mortgage loan that is the subject of the refinancing was originated.

It is understood and agreed that the representations and warranties set forth in this Section 2.03(a) shall survive delivery of the respective Mortgage Files to the Trustee. Upon discovery by either the Company or the Trustee of a breach of any of the foregoing representations and warranties which 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. Subject to the following sentence, within 60 days of its discovery or its receipt of notice of breach, or, with the prior written consent of a Responsible Officer of the Trustee, such longer period specified in such consent, the Company shall cure such breach in all material respects or shall repurchase such Mortgage Loan from the Trustee or replace such Mortgage Loan pursuant to Section 2.03(b). Any such repurchase by the Company shall be accomplished in the manner set forth in Section 2.02, subject to the proviso of the third-to-last sentence thereof, and at the Purchase Price. It is understood and agreed that the obligation of the Company to repurchase or replace any Mortgage Loan as to which a breach occurred and is continuing shall constitute the sole remedy respecting such breach available to Certificateholders or the Trustee on behalf of Certificateholders and such obligation of the Company to repurchase or replace any such Mortgage Loan shall not be assumed by any Person which may succeed the Company as servicer hereunder, but shall continue as an obligation of the Company. Notwithstanding the preceding sentence, if a breach of the representation and warranty of the Company contained in Section 2.03(a)(ix) occurs as a result of a violation of the federal Truth in Lending Act, 15 U.S.C. S 1601 et seq., as amended ("TILA") or any state truth-in lending or similar statute, and the Trustee or the Trust Fund is named as a defendant in a TILA suit or a suit under any such statutes in respect of such violation and liability in respect thereof is imposed upon the Trustee or the Trust Fund as assignees of the related Mortgage Loan pursuant to Section 1641 of TILA, or any analogous provision of any such statute, the Company shall indemnify the Trustee and the Trust Fund from, and hold them harmless against, any and all losses, liabilities, damages, claims or expenses (including reasonable attorneys' fees) to which the Trustee and the Trust Fund, or either of them, become subject pursuant to TILA or any such statute, insofar as such losses, damages, claims or expenses (including reasonable attorneys' fees) result from such violation. The Company's obligations under the preceding sentence shall not impair or derogate from the Company's obligations to the Trustee under Section 8.05.

(b) If the Company is required to repurchase any Mortgage Loan pursuant to Section 2.02 or 2.03(a), the Company may, at its option, within the applicable time period specified in such respective Sections, remove such Defective Mortgage Loan from the terms of this Agreement and substitute one or more other mortgage loans for such Defective Mortgage Loan, in lieu of repurchasing such Defective Mortgage Loan, provided that no such substitution shall occur more than two years after the Closing Date. Any substitute Mortgage Loan shall (a) have a Scheduled Principal Balance (together with that of any other Mortgage Loan substituted for the same Defective Mortgage Loan) as of the first Distribution Date following the month of substitution not in excess of the Scheduled Principal Balance of the Defective Mortgage Loan as of such date (the amount of any difference, plus one month's interest thereon at the respective Net Mortgage Rate, to be deposited by the Company in the Certificate Account pursuant to Section 2.02), (b) have a Mortgage Rate not less than, and not more than one percentage point greater than, the Mortgage Rate of the Defective Mortgage Loan, (c) have the same Net Mortgage Rate as the Defective Mortgage Loan, (d) have a remaining term to stated maturity not later than, and not more than one year less than, the remaining term to stated maturity of the Defective Mortgage Loan, (e) be, in the reasonable determination of the Company, of the same type, quality and character as the Defective Mortgage Loan as if the defect or breach had not occurred, (f) have a ratio of its current principal amount to its Original Value not greater than that of the removed Mortgage Loan and (g) be, in the reasonable determination of the Company, in compliance with the representations and warranties contained in Section 2.03(a), other than subparagraph (xvi) thereof, as of the date of substitution.

The Company shall amend the Mortgage Loan Schedule to reflect the withdrawal of any Defective Mortgage Loan and the substitution of a substitute Mortgage Loan therefor. Upon such amendment the Company shall be deemed to have made as to such substitute Mortgage Loan the representations and warranties set forth in Section 2.03(a), other than subparagraph (xvi) thereof, as of the date of such substitution, which shall be continuing as long as any Certificate shall be outstanding or this Agreement has not been terminated, and the remedies for breach of any such representation or warranty shall be as set forth in Section 2.03(a). Upon such amendment, the Trustee shall review the Mortgage File delivered to it relating to the substitute Mortgage Loan, within the time and in the manner and with the remedies specified in Section 2.02, except that for purposes of this Section 2.03(b) (other than the two-year period specified in the first sentence of the preceding paragraph of this Section 2.03(b)), such time shall be measured from the date of the applicable substitution.

Section 2.04. Execution of Certificates. The Trustee has caused to be executed, countersigned and delivered to or upon the order of the Company, in exchange for the Mortgage Loans, the Certificates in authorized denominations evidencing the entire ownership of the Trust Fund.

Section 2.05. Designations under the REMIC Provisions. (a) The Company hereby designates the Classes of Certificates identified in Section 5.01(b), other than the Residual Certificate, as "regular interests," and the Class R Certificate as the single class of "residual interest," in the REMIC established hereunder for purposes of the REMIC Provisions. The assets of the REMIC established hereunder will consist of the assets and rights specified in clauses (i) though (viii) of the definition of the term Trust Fund, the Class A9 Interest Account, the Class A16 Interest Account and any Rounding Accounts.

(b) The Closing Date will be the "Startup Day" for the REMIC established hereunder for purposes of the REMIC Provisions.

(c) The "tax matters person" with respect to the REMIC established hereunder for purposes of the REMIC Provisions shall be (i) the Company, if the Company is the owner of a Class R Certificate, or (ii) in any other case, the beneficial owner of the Class R Certificate having the largest Percentage Interest of such Class; provided, however, that such largest beneficial owner and, to the extent relevant, each other holder of a Class R Certificate, by its acceptance thereof irrevocably appoints the Company as its agent and attorney-in-fact to act as "tax matters person" with respect to the REMIC established hereunder for purposes of the REMIC Provisions.

(d) The "latest possible maturity date" of the regular interests in the REMIC established hereunder is the Latest Possible Maturity Date for purposes of section 860G(a)(1) of the Code.

(e) In the event that the Servicing Fee exceeds the amount reasonable for such services (within the meaning of Treasury Regulation 1.860D-1(b)(1)(ii)), the portion or portions of such fee that can be measured as a fixed number of basis points on some or all of the Mortgage Loans and can be treated as one or more stripped coupons within the meaning of Treasury Regulation 1.860D-1(b)(2)(iii) shall be treated as such stripped coupons and shall not be treated as a REMIC asset.

ARTICLE III

ADMINISTRATION AND SERVICING OF MORTGAGE LOANS

Section 3.01. Company to Act as Servicer. (a) It is intended that the REMIC established hereunder shall constitute, and that the affairs of the REMIC shall be conducted so as to qualify the Trust Fund (other than any collateral fund established under the agreement referred to in Section 3.08(e)) as, a "real estate mortgage investment conduit" as defined in and in accordance with the REMIC Provisions. In furtherance of such intention, the Company covenants and agrees that it shall act as agent (and the Company is hereby appointed to act as agent) on behalf of the Trust Fund and the Holders of the Residual Certificates and that in such capacity it shall:

(i) prepare and file, or cause to be prepared and filed, in a timely manner, a U.S. Real Estate Mortgage Investment Conduit Income Tax Return (Form 1066) and prepare and file or cause to be prepared and filed with the Internal Revenue Service and applicable state or local tax authorities income tax or information returns for each taxable year with respect to the REMIC established hereunder, using the calendar year as the taxable year and the accrual method of accounting, containing such information and at the times and in the manner as may be required by the Code or state or local tax laws, regulations, or rules, and shall furnish or cause to be furnished to Certificateholders the schedules, statements or information at such times and in such manner as may be required thereby;

(ii) within thirty days of the Closing Date, shall furnish or cause to be furnished to the Internal Revenue Service, on Form 8811 or as otherwise may be required by the Code, the name, title, address, and telephone number of the person that the holders of the Certificates may contact for tax information relating thereto (and the Company shall act as the representative of the REMIC established hereunder for this purpose), together with such additional information as may be required by such Form, and shall update such information at the time or times and in the manner required by the Code;

(iii) make or cause to be made an election, on behalf of the REMIC established hereunder, to be treated as a REMIC, and make the appropriate designations, if applicable, in accordance with Section 2.05 hereof on the federal tax return of the Trust Fund for its first taxable year (and, if necessary, under applicable state law);

(iv) prepare and forward, or cause to be prepared and forwarded, to the Certificateholders and to the Internal Revenue Service and, if necessary, state tax authorities, all information returns or reports, or furnish or cause to be furnished by telephone, mail, publication or other appropriate method such information, as and when required to be provided to them in accordance with the REMIC Provisions, including without limitation, the calculation of any original issue discount using the Prepayment Assumption Multiple;

(v) provide information necessary for the computation of tax imposed on the transfer of a Residual Certificate to a Disqualified Organization, or an agent (including a broker, nominee or other middleman) of a Disqualified Organization, or a pass-through entity in which a Disqualified Organization is the record holder of an interest (the reasonable cost of computing and furnishing such information may be charged to the Person liable for such tax);

(vi) use its best reasonable efforts to conduct the affairs of the REMIC established hereunder at all times that any Certificates are outstanding so as to maintain the status thereof as a REMIC under the REMIC Provisions;

(vii) not knowingly or intentionally take any action or omit to take any action that would cause the termination of the REMIC status of the REMIC or that would subject the Trust Fund to tax;

(viii) exercise reasonable care not to allow the creation of any "interests" in the REMIC within the meaning of section 860D(a)(2) of the Code other than the interests represented by the Classes of Certificates identified in Section 5.01(b);

(ix) exercise reasonable care not to allow the occurrence of any "prohibited transactions" within the meaning of section 860F of the Code, unless the Company shall have provided an Opinion of Counsel to the Trustee that such occurrence would not (a) result in a taxable gain, (b) otherwise subject the Trust Fund to tax, or (c) cause any REMIC established hereunder to fail to qualify as a REMIC;

(x) exercise reasonable care not to allow the Trust Fund to receive income from the performance of services or from assets not permitted under the REMIC Provisions to be held by a REMIC;

(xi) pay the amount of any federal or state tax, including prohibited transaction taxes, taxes on certain contributions to the REMIC after the Startup Day, and taxes on net income from foreclosure property, imposed on the Trust Fund when and as the same shall be due and payable (but such obligation shall not prevent the Company or any other appropriate Person from contesting any such tax in appropriate proceedings and shall not prevent the Company from withholding payment of such tax, if permitted by law, pending the outcome of such proceedings);

(xii) ensure that 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 or state or local laws, regulations or rules; and

(xiii) maintain such records relating to the REMIC established hereunder, including but not limited to the income, expenses, individual Mortgage Loans (including Mortgaged Property), other assets and liabilities thereof, and the fair market value and adjusted basis of the property of each determined at such intervals as may be required by the Code, as may be necessary to prepare the foregoing returns, schedules, statements or information.

The Company shall be entitled to be reimbursed pursuant to Section 3.04 for any federal income taxes paid by it pursuant to clause (xi) of the preceding sentence, except to the extent that such taxes are imposed as a result of the bad faith, misfeasance or negligence of the Company in the performance of its obligations hereunder. With respect to any reimbursement of prohibited transaction taxes, the Company shall inform the Trustee of the circumstances under which such taxes were incurred.

(b) The Company shall service and administer the Mortgage Loans and shall have full power and authority, acting alone or through one or more Primary Servicers, to do any and all things in connection with such servicing and administration which it may deem necessary or desirable. Without limiting the generality of the foregoing, the Company shall continue, and is hereby authorized and empowered by the Trustee, to execute and deliver, or file, as appropriate, on behalf of itself, the Certificateholders and the Trustee or any of them, any and all continuation statements, termination statements, instruments of satisfaction or cancellation, or of partial or full release or discharge and all other comparable instruments, with respect to the Mortgage Loans and with respect to the properties subject to the Mortgages. Without limitation of the foregoing, if the Company in its individual capacity agrees to refinance any Mortgage Loan upon the request of the related Mortgagor, the Company, as servicer hereunder, may execute an instrument of assignment in customary form to the Company in its individual capacity. In connection with any such refinancing, the Trustee shall, upon certification of a Servicing Officer to the effect that an amount equal to the principal balance of the related Mortgage Loan together with accrued and unpaid interest thereon at the applicable Net Mortgage Rate to the date of such certification has been credited to the Mortgage Loan Payment Record, release the related Mortgage File to the Company whereupon the Company may cancel the related Mortgage Note. Upon request by the Company after the execution and delivery of this Agreement, the Trustee shall furnish the Company with any powers of attorney and other documents necessary or appropriate to enable the Company to carry out its servicing and administrative duties hereunder. Except as otherwise provided herein, the Company shall maintain servicing standards substantially equivalent to those required for approval by FNMA or FHLMC. The Company shall not agree to any modification of the material terms of any Mortgage Loan except as provided in the second sentence of Section 3.02(a) and in Section 3.07. The Company shall not release any portion of any Mortgaged Property from the lien of the related Mortgage unless the related Mortgage Loan would be a "qualified mortgage" within the meaning of the REMIC Provisions following such release.

(d) The relationship of the Company (and of any successor to the Company 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.

(e) All costs incurred by the Company in effecting the timely payment of taxes and assessments on the properties subject to the Mortgage Loans shall not, for the purpose of calculating monthly distributions to Certificateholders, be added to the amount owing under the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loans so permit, and such costs shall be recoverable by the Company to the extent permitted by Section 3.04. The Company shall collect such amounts from the Mortgagor and shall credit the Mortgage Loan Payment Record accordingly.

(f) If the Company enters into a servicing agreement with any servicer (a "Primary Servicer") pursuant to which such Primary Servicer shall directly service certain Mortgage Loans and the Company shall perform master servicing with respect thereto, the Company shall not be released from its obligations to the Trustee and Certificateholders with respect to the servicing and administration of the Mortgage Loans in accordance with the provisions of Article III hereof and such obligations shall not be diminished by virtue of any such servicing agreement or arrangement and the Company shall be obligated to the same extent and under the same terms and conditions as if the Company alone were servicing and administering the Mortgage Loans. Any amounts received by a Primary Servicer in respect of a Mortgage Loan shall be deemed to have been received by the Company whether or not actually received by it. Any servicing agreement that may be entered into and any transactions or services relating to the Mortgage Loans involving a Primary Servicer in its capacity as such shall be deemed to be between the Company and the Primary Servicer alone, and the Trustee and the Certificateholders shall have no claims, obligations, duties or liabilities with respect thereto. Notwithstanding the foregoing, in the event the Company has been removed as the servicer hereunder pursuant to Section 6.05 or Section 7.01, the Trustee or any successor servicer appointed pursuant to Section 7.02 shall succeed to all of the Company's rights and interests (but not to any obligations or liabilities of the Company arising prior to the date of succession) under any servicing agreement with any Primary Servicer in respect of the Mortgage Loans, subject to the limitation on the Trustee's responsibilities under Section 7.02.

(g) With respect to any CashSaver Mortgage Loan, the Company shall use reasonable efforts to cause the Primary Servicer to perform its obligations under the agreements related to the Additional Collateral for such CashSaver Mortgage Loan.

(h) In no event shall any collateral fund established under the agreement referred to in Section 3.08(e) constitute an asset of any REMIC established hereunder.

Section 3.02. Collection of Certain Mortgage Loan Payments; Mortgage Loan Payment Record; Certificate Account. (a) The Company shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement, follow such collection procedures as it follows with respect to mortgage loans comparable to the Mortgage Loans in its servicing portfolio. Consistent with the foregoing, the Company may in its discretion (i) waive any late payment charge or any assumption fees or other fees which may be collected in the ordinary course of servicing such Mortgage Loan and (ii) if a default on the Mortgage Loan has occurred or is reasonably foreseeable, arrange at any time prior to foreclosure with a Mortgagor a schedule for the payment of due and unpaid principal and interest for a period extending not longer than two years after the date that such schedule is arranged. Any arrangement of the sort described in clause (ii) above shall not affect the amount or timing of the Company's obligation to make Monthly Advances with respect to any Mortgage Loan which Monthly Advances shall be made pursuant to the original amortization schedule applicable to such Mortgage Loan.

(b) The Company shall establish and maintain a Mortgage Loan Payment Record in which the following payments on and collections in respect of each Mortgage Loan shall as promptly as practicable be credited by the Company for the account of the Holders of the Certificates:

(i) All payments on account of principal, including Principal Prepayments (other than (A) payments of principal due and payable on the Mortgage Loans on or before, and all Principal Prepayments received before, the Cut-off Date, (B) in the case of a substitute Mortgage Loan, payments of principal due and payable on such Mortgage Loan on or before the Determination Date in the month of substitution, and all Principal Prepayments received before the first day of the month of substitution, and (C) in the case of a replaced Mortgage Loan, payments of principal due and payable on such Mortgage Loan after the Determination Date in the month of substitution, and all Principal Prepayments received in the month of substitution);

(ii) All payments (other than (A) those due and payable on or before the Cut-off Date, (B) in the case of a substitute Mortgage Loan, those due and payable on such Mortgage Loan on or before the Determination Date in the month of substitution, and (C) in the case of a replaced Mortgage Loan, those due and payable on such Mortgage Loan after the Determination Date in the month of substitution) on account of interest at the applicable Net Mortgage Rate on the Mortgage Loan received from the related Mortgagor, including any Buydown Funds applied with respect to interest at the applicable Net Mortgage Rate on any Buydown Mortgage Loan;

(iii) All Liquidation Proceeds received by the Company with respect to such Mortgage Loan and the Purchase Price for any Mortgage Loan purchased by the Company pursuant to Sections 2.02, 2.03 and 3.16 (including any amounts received in respect of a substitution of a Mortgage Loan);

(iv) All Insurance Proceeds (including, for this purpose, any amounts required to be credited by the Company pursuant to the last sentence of Section 3.06) received by the Company for the benefit of the Trust Fund, other than proceeds to be applied to the restoration or repair of the property subject to the related Mortgage or released, or to be released, to the related Mortgagor in accordance with the normal servicing procedures of the Company;

(v) All REO Proceeds;

(vi) All Unanticipated Recoveries;

(vii) All amounts received by the Company with respect to any Pledged Asset Mortgage Loan pursuant to the liquidation of any Additional Collateral or pursuant to any recovery under the Surety Bond in accordance with Section 4.09; and

(viii) All amounts received by the Company with respect to any CashSaver Mortgage Loan pursuant to the liquidation of any Additional Collateral.

The foregoing requirements respecting credits to the Mortgage Loan Payment Record are exclusive, it being understood that, without limiting the generality of the foregoing, the Company need not enter in the Mortgage Loan Payment Record collections, Liquidation Proceeds or Insurance Proceeds in respect of Mortgage Loans which have been previously released from the terms of this Agreement, amounts representing fees or late charge penalties payable by Mortgagors, or amounts received by the Company for the account of Mortgagors for application towards the payment of taxes, insurance premiums, assessments and similar items.

(c) Subject to subsection (e) below, until the Business Day prior to each Distribution Date on which amounts are required to be transferred to the Certificate Account pursuant to subsection (d) of this Section 3.02, the Company may retain and commingle such amounts with its own funds and shall be entitled to retain for its own account any gain or investment income thereon, and any such investment income shall not be subject to any claim of the Trustee or Certificateholders. To the extent that the Company realizes any net loss on any such investments, the Company shall deposit in the Certificate Account an amount equal to such net loss at the time the Company is required to deposit amounts in the Certificate Account pursuant to subsection (d) of this section 3.02. Any such deposit shall not increase the Company's obligation under said subsection (d).

(d) The Trustee shall establish and maintain with the Trustee in its corporate trust department a single separate trust account designated in the name of the Trustee for the benefit of the Holders of the Certificates issued hereunder (the "Certificate Account") into which the Company shall transfer, not later than 11:00 a.m. New York time on the Business Day prior to each Distribution Date, an amount in next day funds equal to the sum of Available Funds for such Distribution Date and any Unanticipated Recoveries received in the calendar month preceding the month of such Distribution Date. If the Trustee does not receive such transfer by 2:00 p.m. on such Business Day, it shall give the Company written notice thereof.

(e) If the Company or a Responsible Officer of the Trustee obtains actual notice of or knowledge of the occurrence of either (x) any Trigger Event or (y) the downgrade by S&P of General Electric Capital Corporation's short-term senior unsecured debt rating below A-1+ then, notwithstanding subsection (c) above, the Company shall promptly establish, and thereafter maintain, one or more Eligible Accounts in the name of the Trustee and bearing a designation indicating that amounts therein are held for the benefit of the Trustee and the Certificateholders, into which the Company and any Primary Servicer shall deposit within two Business Days after receipt, all amounts otherwise required to be credited to the Mortgage Loan Payment Record pursuant to Section 3.02(b); provided, however, that such action shall not be required if the Company delivers to the Trustee a letter from each Rating Agency to the effect that the failure to take such action will not cause such Rating Agency to withdraw or reduce its then current ratings of the Certificates. All amounts so deposited shall be held in trust for the benefit of Certificateholders. Amounts so deposited may be invested at the written instruction of the Company in Permitted Investments in the name of the Trustee maturing no later than the Business Day preceding the Distribution Date following the date of such investment; provided, however, that any such Permitted Investment which is an obligation of State Street Bank and Trust Company, in its individual capacity and not in its capacity as Trustee, may mature on such Distribution Date; and, provided further, that no such Permitted Investment shall be sold before the maturity thereof if the sale thereof would result in the realization of gain prior to maturity unless the Company has obtained an Opinion of Counsel that such sale or disposition will not cause the Trust Fund to be subject to the tax on prohibited transactions under section 860F of the Code, or otherwise subject the Trust Fund to tax or cause the REMIC established hereunder to fail to qualify as a REMIC. The Trustee shall maintain physical possession of all Permitted Investments, other than Permitted Investments maintained in book-entry form. The Company, as servicer, shall be entitled to retain for its own account any gain or other income from Permitted Investments, and neither the Trustee nor Certificateholders shall have any right or claim with respect to such income. The Company shall deposit an amount equal to any loss realized on any Permitted Investment as soon as any such loss is realized. If the provisions in this subsection (e) become operable, references in this Agreement to the Mortgage Loan Payment Record and credits and debits to such Record shall be deemed to refer to Eligible Accounts and transfers to and withdrawals from such Eligible Accounts. Any action which may be necessary to establish the terms of an account pursuant to this Section 3.02(e) may be taken by an amendment or supplement to this Agreement or pursuant to a written order of the Company, which amendment, supplement or order shall not require the consent of Certificateholders, provided that the Company has delivered to the Trustee a letter from each Rating Agency to the effect that such amendment, supplement or order will not cause such Rating Agency to withdraw or reduce its then current ratings of the Certificates.

Section 3.03. Collection of Taxes, Assessments and Other Items. Other than with respect to any Cooperative Loan, the Company shall establish and maintain with one or more depository institutions one or more accounts into which it shall deposit all collections of taxes, assessments, private mortgage or hazard insurance premiums or comparable items for the account of the Mortgagors. As servicer, the Company shall effect the timely payment of all such items for the account of Mortgagors. Withdrawals from such account or accounts may be made only to effect payment of taxes, assessments, private mortgage or standard hazard insurance premiums or comparable items, to reimburse the Company out of related collections for any payments made regarding taxes and assessments or for any payments made pursuant to Section 3.05 regarding premiums on Primary Insurance Policies and Section 3.06 regarding premiums on standard hazard insurance policies, to refund to any Mortgagors any sums determined to be overages, or to pay interest owed to Mortgagors to the extent required by law.

Section 3.04. Permitted Debits to the Mortgage Loan Payment Record. The Company (or any successor servicer pursuant to Section 7.02) may, from time to time, make debits to the Mortgage Loan Payment Record for the following purposes:

(i) To reimburse the Company or the applicable Primary Servicer for Liquidation Expenses theretofore incurred in respect of any Mortgage Loan in an amount not to exceed the amount of the related Liquidation Proceeds credited to the Mortgage Loan Payment Record pursuant to Section 3.02(b)(iii); provided that the Company or the applicable Primary Servicer shall not be entitled to reimbursement for Liquidation Expenses incurred after the initiation of foreclosure proceedings in respect of any Defaulted Mortgage Loan that is repurchased pursuant to Section 3.16;

(ii) To reimburse the Company or the applicable Primary Servicer for Insured Expenses and amounts expended by it pursuant to Section 3.08 in good faith in connection with the restoration of property damaged by an Uninsured Cause, in an amount not to exceed the amount of the related Insurance Proceeds and Liquidation Proceeds (net of any debits pursuant to clause (i) above) and amounts representing proceeds of other insurance policies covering the property subject to the related Mortgage credited to the Mortgage Loan Payment Record pursuant to Section 3.02(b) (iii) and (iv);

(iii) To reimburse the Company to the extent permitted by Sections 3.01(a) and 6.04;

(iv) To pay to the Company amounts received in respect of any Defective Mortgage Loan or Defaulted Mortgage Loan purchased by the Company to the extent that the distribution of any such amounts on the Distribution Date upon which the proceeds of such purchase are distributed would make the total amount distributed in respect of any such Mortgage Loan on such Distribution Date greater than the Purchase Price therefor, net of any unreimbursed Monthly Advances made by the Company;

(v) To reimburse the Company (or the Trustee, as applicable) for Monthly Advances theretofore made in respect of any Mortgage Loan to the extent of late payments, REO Proceeds, Insurance Proceeds and Liquidation Proceeds in respect of such Mortgage Loan;

(vi) To reimburse the Company from any Mortgagor payment of interest or other recovery with respect to a particular Mortgage Loan, to the extent not previously retained by the Company, for unpaid Servicing Fees with respect to such Mortgage Loan, subject to Section 3.08(d);

(vii) To reimburse the Company (or the Trustee, as applicable) for any Nonrecoverable Advance (which right of reimbursement of the Trustee pursuant to this clause shall be prior to such right of the Company);

(viii) To make transfers of funds to the Certificate Account pursuant to Section 3.02(d);

(ix) To pay to the Company amounts received in respect of any Mortgage Loan purchased by the Company pursuant to Section 9.01 to the extent that the distribution of any such amounts on the final Distribution Date upon which the proceeds of such purchase are distributed would make the total amount distributed in respect of any such Mortgage Loan on such Distribution Date greater than the purchase price therefor specified in clause (x) of the first sentence of Section 9.01; and

(x) To deduct any amount credited to the Mortgage Loan Payment Record in error.

The Company shall keep and maintain separate accounting records, on a Mortgage Loan by Mortgage Loan basis, for the purpose of accounting for debits to the Mortgage Loan Payment Record pursuant to clauses (i), (ii), (iv), (v) and (vi) of this Section 3.04; provided, however, that it is understood and agreed that the records of such accounting need not be retained by the Company for a period longer than the five most recent fiscal years.

Section 3.05. Maintenance of the Primary Insurance Policies. (a) The Company shall not take any action which would result in non-coverage under any applicable Primary Insurance Policy of any loss which, but for the actions of the Company, would have been covered thereunder. To the extent coverage is available, the Company shall keep or cause to be kept in full force and effect each such Primary Insurance Policy until the principal balance of the related Mortgage Note is 80% or less of the greater of (i) the related Original Value and (ii) the then current value of the property underlying the related Mortgage Note as evidenced by an appraisal thereof satisfactory to the Company; provided that no such Primary Insurance Policy shall be kept in effect if doing so would violate applicable law, including, without limitation, the Federal Homeowners Protection Act of 1998. The Company shall not cancel or refuse to renew any such Primary Insurance Policy applicable to a Mortgage Loan that is in effect at the Closing Date and is required to be kept in force hereunder unless the replacement Primary Insurance Policy for such canceled or non-renewed policy is maintained with an insurer whose claims-paying ability is acceptable to each Rating Agency for mortgage pass-through certificates having ratings equal to or better than the ratings then assigned to the Certificates by such Rating Agency. The Company agrees to effect the timely payment of the premium on each Primary Insurance Policy, and such costs not otherwise recoverable shall be recoverable by the Company from related Insurance Proceeds and Liquidation Proceeds pursuant to Section 3.04.

(b) In connection with its activities as administrator and servicer of the Mortgage Loans, the Company agrees to present, on behalf of itself, the Trustee and the Certificateholders, claims to the insurer under each Primary Insurance Policy and, in this regard, to take such reasonable action as shall be necessary to permit recovery under any Primary Insurance Policy respecting a related defaulted Mortgage Loan. To the extent provided in Section 3.02(b), any amounts collected by the Company under any Primary Insurance Policy in respect of the Mortgage Loans (including, without limitation, a Mortgage Loan purchased by a related insurer) shall be credited to the Mortgage Loan Payment Record.

Section 3.06. Maintenance of Hazard Insurance. The Company shall cause to be maintained for each Mortgage Loan, other than a Cooperative Loan, hazard insurance with a standard mortgagee clause and with extended coverage in an amount which is at least equal to the maximum insurable value of the improvements securing such Mortgage Loan from time to time or the principal balance owing on such Mortgage Loan from time to time, whichever is less. The Company shall also maintain on property (other than Cooperative Apartments) acquired upon foreclosure, or by deed in lieu of foreclosure, hazard insurance with extended coverage in an amount which is at least equal to the lesser of (i) the maximum insurable value from time to time of the improvements which are a part of such property or (ii) the unpaid principal balance of such Mortgage Loan at the time of such foreclosure or deed in lieu of foreclosure plus accrued interest and the good-faith estimate of the Company of related Liquidation Expenses to be incurred in connection therewith. To the extent provided in Section 3.02(b)(iv), amounts collected by the Company under any such policies in respect of the Mortgage Loans shall be credited to the Mortgage Loan Payment Record. Such costs shall be recoverable by the Company pursuant to Sections 3.03 and 3.04. In cases in which property securing any Mortgage Loan other than a Cooperative Loan is located in a federally designated flood area, the hazard insurance to be maintained for such Mortgage Loan shall include flood insurance. All such flood insurance shall be in such amounts as are required under applicable guidelines of FNMA. The Company shall be under no obligation to require that any Mortgagor maintain earthquake or other additional insurance and shall be under no obligation itself to maintain any such additional insurance on property acquired in respect of a Mortgage Loan, other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. If the Company shall obtain and maintain a blanket policy insuring against hazard losses on all of the Mortgage Loans (whether or not including Cooperative Loans), it shall conclusively be deemed to have satisfied its obligations as set forth in the first sentence of this Section 3.06, it being understood and agreed that such policy may contain a deductible clause, in which case the Company shall, in the event that there shall not have been maintained on the related Mortgaged Property a policy complying with the first sentence of this Section 3.06, and there shall have been a loss which would have been covered by such policy, credit to the Mortgage Loan Payment Record the amount not otherwise payable under the blanket policy because of such deductible clause.

Section 3.07. Assumption and Modification Agreements. (a) In any case in which property subject to a Mortgage has been or is about to be conveyed by the Mortgagor, the Company shall exercise its right to accelerate the maturity of such Mortgage Loan under any "due-on-sale" clause applicable thereto, unless in the reasonable discretion of the Company, such exercise would adversely affect or jeopardize coverage under the related Primary Insurance Policy, if any; provided, however, that if the Company is prevented, as provided in Section 3.07(b), from enforcing any such clause, the Company is authorized to make or enter into an assumption and modification agreement from or with the Person to whom such property has been or is about to be conveyed, pursuant to which such Person becomes liable under the Mortgage Note and the Mortgagor remains liable thereon. In connection with any such assumption and modification agreement, the Company shall apply its then current underwriting standards to such Person. The Company shall not make or enter into any such assumption and modification agreement, however, unless (to the extent practicable in the circumstances) it shall have received confirmation of the continued effectiveness of any applicable Primary Insurance Policy and hazard insurance policy. The Company shall notify the Trustee that any assumption and modification agreement has been completed by forwarding to the Trustee the original copy thereof, which copy shall be added by the Trustee 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. In connection with any such agreement, the Mortgage Rate, mortgage term and any other material term of such Mortgage Loan shall not be changed. Any fee collected by the Company for entering into any such agreement will be retained by the Company as additional servicing compensation.

(b) Notwithstanding Section 3.07(a) or any other provision of this Agreement, the Company shall not be deemed to be in default, breach or any other violation of its obligations hereunder by reason of any assumption of a Mortgage Loan, or transfer of the property subject to a Mortgage without the assumption thereof, by operation of law or any assumption or transfer which the Company reasonably believes it may be restricted by law from preventing, for any reason whatsoever.

Section 3.08. Realization Upon Defaulted Mortgage Loans. (a) The Company shall foreclose upon or otherwise comparably convert the ownership of properties securing such of the Mortgage Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.02. In connection with such foreclosure or other conversion the Company shall, consistent with Section 3.05, follow such practices and procedures as it shall deem necessary or advisable and as shall be normal and usual in its general mortgage servicing activities. The foregoing is subject to the proviso that the Company shall not be required to expend its own funds in connection with any foreclosure or towards the restoration of any property unless it shall determine (i) that such restoration or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Certificateholders after reimbursement to itself for such expenses and (ii) that such expenses will be recoverable to it either through Liquidation Proceeds or Insurance Proceeds. Notwithstanding the foregoing, the Company shall not be entitled to recover legal expenses incurred in connection with foreclosure proceedings where the Mortgage Loan is reinstated and such foreclosure proceedings are terminated prior to completion, other than sums received from the Mortgagor for such expenses.

Notwithstanding anything to the contrary contained herein, the Company shall be under no obligation to foreclose upon or otherwise convert the ownership of any Mortgaged Property which it believes may be contaminated with or affected by hazardous or toxic wastes, materials or substances. The Company may, but shall not be obligated to, make such determination on the basis of a Phase I environmental assessment with respect to the related Mortgaged Property. Neither the Trustee nor the Company shall be liable to the Trust Fund or the Certificateholders if, based on the Company's belief that such contamination or effect exists, the Company does not foreclose upon or otherwise convert the ownership of a Mortgaged Property. In addition, neither the Trustee nor the Company shall be liable to the Trust Fund or the Certificateholders if, based on the Company's belief that no such contamination or effect exists, the Company forecloses upon a Mortgaged Property and the Trustee or its nominee on behalf of the Trust Fund takes title to such Mortgaged Property, and thereafter such Mortgaged Property is determined to be so contaminated or affected.

(b) In the event that title to any Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the Trustee, or to its nominee on behalf of the Trust Fund. Notwithstanding any such acquisition of title and cancellation of the related Mortgage Loan, such Mortgage Loan shall (except for purposes of Section 9.01) be considered to be an Outstanding Mortgage Loan until such time as the Mortgaged Property shall be sold and such Mortgage Loan becomes a Liquidated Mortgage Loan. Consistent with the foregoing, for purposes of all calculations hereunder so long as such Mortgage Loan shall be considered to be an Outstanding Mortgage Loan, it shall be assumed that the related Mortgage Note and its amortization schedule in effect on and after such acquisition of title (after giving effect to any previous Principal Prepayments and Deficient Valuations incurred subsequent to the related Bankruptcy Coverage Termination Date and before any adjustment thereto by reason of any bankruptcy (other than as aforesaid) or any similar proceeding or any moratorium or similar waiver or grace period) remain in effect (notwithstanding that the indebtedness evidenced by such Mortgage Note shall have been discharged), subject to adjustment to reflect the application of REO Proceeds received in any month. REO Proceeds received in any month shall be applied to the payment of the installments of principal due and interest accrued on the related REO Mortgage Loan in accordance with the terms of such Mortgage Note. REO Proceeds received in any month in excess of the Amortization Payment for such month due on any REO Mortgage Loan shall be treated as a Principal Prepayment received in respect of such Mortgage Loan.

(c) In the event that the Trust Fund acquires any Mortgaged Property as aforesaid or otherwise in connection with a default or imminent default on a Mortgage Loan, the Company shall dispose of such Mortgaged Property prior to the close of the third calendar year after the year of its acquisition by the Trust Fund unless (a) the Trustee shall have been supplied with an Opinion of Counsel to the effect that the holding by the Trust Fund of such Mortgaged Property subsequent to such period (and specifying the period beyond such period for which the Mortgaged Property may be held) will not result in the imposition of taxes on "prohibited transactions" of the Trust Fund as defined in section 860F of the Code, or cause the REMIC established hereunder to fail to qualify as a REMIC at any time that any Certificates are outstanding, in which case the Trust Fund may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel), or (b) the Trustee (at the Company's expense) or the Company shall have applied for, not later than 61 days prior to the expiration of such period, an extension of such period in the manner contemplated by section 856(e)(3) of the Code, in which case such period shall be extended by the time period permitted by section 856(e)(3) of the Code. Notwithstanding any other provision of this Agreement, no Mortgaged Property acquired by the Trust Fund 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 Fund or sold in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify at any time as "foreclosure property" within the meaning of section 860G(a)(8) of the Code, (ii) subject the Trust Fund to the imposition of any federal or state income taxes on "net income from foreclosure property" with respect to such Mortgaged Property within the meaning of section 860G(c) of the Code, or (iii) cause the sale of such Mortgaged Property to result in the receipt by the Trust Fund of any income from non-permitted assets as described in section 860F(a)(2)(B) of the Code, unless the Company has agreed to indemnify and hold harmless the Trust Fund with respect to the imposition of any such taxes.

(d) Any collection of Insurance Proceeds or Liquidation Proceeds will be applied in the following order of priority: first, to reimburse the Company for any related unreimbursed Liquidation Expenses and to reimburse the Company or the Trustee, as applicable, for any related unreimbursed Monthly Advances; second, to accrued and unpaid interest on the Mortgage Loan at the Mortgage Rate from the date to which interest was last paid or advanced to the Due Date prior to the Distribution Date on which such amounts are to be distributed; and third, as a recovery of principal of the Mortgage Loan. If the amount so allocated to interest is less than the full amount of accrued and unpaid interest due on such Mortgage Loan, the amount of such recovery will be allocated between the Servicing Fee and interest at the Net Mortgage Rate in proportion to the amount of such accrued interest which would have been allocated to each such category in the absence of any shortfall.

(e) Notwithstanding anything to the contrary contained herein, the Company shall have the right to enter into an agreement substantially in the form of Exhibit K hereto with any Person that is the Holder of 100% of the Class B5 Certificates (provided that such form may be revised to delete the option on the part of such Person to purchase a defaulted Mortgage Loan as set forth in Section 2.02(f) thereof). Prior to entering into any such agreement with any Person, the Company shall obtain a certification from such Person to the effect that (i) such Person is not an "affiliate" (within the meaning of the Prohibited Transaction Exemption) of the Trustee and (ii) such Person will not purchase any Certificates if such purchase would cause such Person to hold more than a ten percent interest in the Mortgage Pool. It is understood that the right of the Company to be reimbursed for Monthly Advances and Nonrecoverable Advances under this Agreement shall not be affected in any way by the provisions of any such agreement. The Trustee hereby agrees to perform such obligations as may be expressly required of it pursuant to the provisions of such agreement and to promptly notify each party to such agreement if a Responsible Officer of the Trustee (with direct responsibility for administration of this Agreement) becomes aware of any discussions, plans or events that might lead to the Trustee's becoming an "affiliate" (within the meaning of the Prohibited Transaction Exemption) of any Person with which the Company has entered into such agreement, provided that the contents of any such notification shall be kept confidential by the parties to such agreement. The Company agrees to promptly notify the Trustee upon entering into any such agreement. In addition, the Company shall provide the Trustee with such information as may be necessary for the Trustee to perform its obligations thereunder, including written instructions, clearly identifying the source, amount and application of funds to be deposited or withdrawn from the Collateral Fund (as defined in such agreement). The Trustee shall provide the Company with such information concerning credits and debits to the Collateral Fund on account of income, gains and losses realized from Collateral Fund Permitted Investments (as defined in such agreement), and costs associated with the purchase and sale thereof, as the Company may request in order to prepare the instructions described in the preceding sentence.

In addition, subject to the provisions of the preceding paragraph, the Company shall have the right to enter into an agreement substantially in the form of Exhibit K hereto with the Person that is the Holder of 100% of the Class B4 Certificates, provided that (i) such Person is also the Holder of 100% of the Class B5 Certificates, (ii) such Person shall have no rights under such agreement until the date on which the Class Certificate Principal Balance of the Class B5 Certificates has been reduced to zero, and (iii) any rights of such Person under such agreement shall terminate in the event that such Person transfers, directly or indirectly, the Class B4 Certificates to any other Person.

Section 3.09. Trustee to Cooperate; Release of Mortgage Files. Upon the payment in full of any Mortgage Loan, the Company will immediately notify the Trustee by a certification (which certification shall include a statement to the effect that all amounts received in connection with such payment which are required to be credited to the Mortgage Loan Payment Record pursuant to Section 3.02 have been so credited) of a Servicing Officer and shall request delivery to it of the Mortgage File. If a Buydown Mortgage Loan is the subject of a Principal Prepayment in full during the related Buydown Period, the related Buydown Funds will be applied or returned to the Person entitled thereto in accordance with the terms of such Buydown Mortgage Loan. Upon receipt of such certification and request in form satisfactory to the Trustee, the Trustee shall promptly, but in any event within five Business Days, release the related Mortgage File to the Company; provided, that the Trustee shall not be responsible for any delay in the release of a Mortgage File resulting from acts beyond its control, including without limitation, acts of God, strikes, lockouts, riots, acts of war or terrorism, epidemics, nationalization, governmental regulations imposed after the fact, fire, communication line failures, computer viruses, power failures, earthquakes or other disasters. Upon any such payment in full, the Company is authorized to execute, pursuant to the authorization contained in Section 3.01, an instrument of satisfaction regarding such Mortgage, which instrument of satisfaction shall be recorded by the Company if required by applicable law and be delivered to the Person entitled thereto, it being understood and agreed that no expenses incurred in connection with such instrument of satisfaction shall be reimbursed from amounts at the time credited to the Mortgage Loan Payment Record. From time to time and as appropriate for the servicing or foreclosure of any Mortgage Loan (including, without limitation, collection under any Primary Insurance Policy), the Trustee shall, upon request of the Company and delivery to the Trustee of a receipt signed by a Servicing Officer, release the related Mortgage File to the Company and shall execute such documents as shall be necessary to the prosecution of any such proceedings. Such receipt shall obligate the Company to return the Mortgage File to the Trustee when the need therefor by the Company no longer exists unless the Mortgage Loan shall be liquidated, in which case, upon receipt of a certificate of a Servicing Officer similar to that hereinabove specified, the receipt shall be released by the Trustee to the Company.

Section 3.10. Servicing Compensation; Payment of Certain Expenses by the Company. (a) As compensation for its activities and obligations hereunder, the Company shall be entitled to withhold and pay to itself out of each payment received by it on account of interest on each Mortgage Loan (including the portion of any Buydown Funds applied to the related Buydown Mortgage Loan for the applicable period) an amount equal to the Servicing Fee. The aggregate of the Servicing Fees payable to the Company on any Distribution Date shall be reduced by the amount of any Compensating Interest Payment for such Distribution Date. Additional servicing compensation in the form of Prepayment Interest Excess, assumption fees, modification fees, late payment charges, interest income or gain with respect to amounts deposited in the Certificate Account and invested by the Company or otherwise shall be retained by the Company, subject to Section 3.10(b), if applicable. The Company shall be required to pay all expenses incurred by it in connection with its activities hereunder (including payment of Trustee fees and all other fees and expenses not expressly stated hereunder to be for the account of the Certificateholders) and shall not be entitled to reimbursement therefor except as provided in Sections 3.01, 3.03, 3.04 and 3.08.

(b) The Company may, as a condition to granting any request by a Mortgagor for any consent, modification, waiver or amendment or any other matter or thing, the granting of which is in the Company's discretion pursuant to the terms of the instruments evidencing or securing the related Mortgage Loan and is permitted by other sections of this Agreement, require (to the extent permitted by applicable law) that such Mortgagor pay to it a reasonable or customary fee in accordance with the schedule set forth as Exhibit H (which may be amended from time to time by provision of a revised schedule of such fees to the Trustee, whereupon such revised schedule shall be deemed to be Exhibit H hereunder) for the additional services performed in connection with such request, together with any related costs and expenses incurred by it. Such fees shall be additional servicing compensation to the Company.

Section 3.11. Reports to the Trustee. Not later than 15 days after each Distribution Date, the Company shall forward to the Trustee a statement, certified by a Servicing Officer, setting forth the status of the Mortgage Loan Payment Record as of the close of business on such Distribution Date and showing, for the period covered by such statement, the aggregate of credits to the Mortgage Loan Payment Record for each category of credit specified in Section 3.02 and each category of debit specified in Section 3.04.

Section 3.12. Annual Statement as to Compliance. The Company will deliver to the Trustee, on or before March 31 of each year, beginning with March 31, 2001, an Officer's Certificate stating that (a) a review of the activities of the Company during the preceding calendar year and of its performance under this Agreement has been made under such Officer's supervision and (b) to the best of such Officer's knowledge, based on such review, the Company has fulfilled all its material obligations under this Agreement throughout such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to such Officer and the nature and status thereof.

Section 3.13. Annual Independent Public Accountants' Servicing Report. On or before March 31 of each year, beginning with March 31, 2001, the Company shall:

(a) furnish to a firm of independent public accountants (which may also render other services to the Company) a statement substantially to the effect that the Company has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers (the "Minimum Servicing Standards") with respect to the mortgage loans in the Company's servicing portfolio (which may exclude home equity loans) or, if there has been material noncompliance with such servicing standards, containing a description of such noncompliance; and

(b) at its expense cause such firm of independent public accountants to furnish a report to the Trustee stating its opinion as to the Company's assertion contained in the statement delivered pursuant to Section 3.13(a), which opinion shall be based on an examination conducted by such firm in accordance with the standards established by the American Institute of Certified Public Accountants, including examining, on a test basis, evidence about the Company's compliance with the Minimum Servicing Standards. Such opinion shall be to the effect that the Company has complied in all material respects with the Minimum Servicing Standards with respect to the mortgage loan portfolio described in the Company's statement delivered pursuant to Section 3.13(a) hereof or if there has been material noncompliance with the Minimum Servicing Standards, shall contain a description of such noncompliance in accordance with applicable accounting standards. In rendering such report, such firm may rely, as to matters relating to direct servicing of Mortgage Loans by any primary servicer, upon comparable reports of independent public accountants with respect to such primary servicer.

Section 3.14. Access to Certain Documentation and Information Regarding the Mortgage Loans. To the extent permitted by applicable law, the Company shall provide to the Trustee, Certificateholders which are regulated insurance entities and the applicable insurance regulatory agencies thereof, Certificateholders which are federally insured savings and loan associations, the Office of Thrift Supervision, the FDIC and the supervisory agents and examiners thereof access to the documentation regarding the Mortgage Loans required by applicable regulations of the Office of Thrift Supervision or of such insurance regulatory agencies, as the case may be, such access being afforded without charge but only upon reasonable request and during normal business hours at the offices of the Company. Nothing in this Section 3.14 shall derogate from the obligation of the Company to observe any applicable law prohibiting disclosure of information regarding the Mortgagors and the failure of the Company to provide access as provided in this Section 3.14 as a result of such obligation shall not constitute a breach of this Section 3.14.

Section 3.15. Maintenance of Certain Servicing Policies. The Company 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 or agents. Each such policy or policies and bond shall, together, comply with the requirements from time to time of FNMA for persons performing servicing for mortgage loans purchased by such association.

Section 3.16. Optional Purchase of Defaulted Mortgage Loans. The Company shall have the right, but not the obligation, to purchase any Defaulted Mortgage Loan for a price equal to the Purchase Price therefor. Any such purchase shall be accomplished as provided in Section 4.04(a) hereof.

Section 3.17. Class A9 Interest Account and Class A16 Interest Account. State Street Bank and Trust Company, not in its capacity as Trustee hereunder, is hereby appointed, and as evidenced by its execution of this Agreement, does hereby accept such appointment, to serve as custodian (the "Custodian") of the assets included in the Class A9 Interest Account and the Class A16 Interest Account created by this Section 3.17. On or prior to the Closing Date, the Custodian shall establish separate segregated, non-interest bearing, corporate trust accounts in its corporate trust department, one in respect of the Class A9 Certificates (such account, the "Class A9 Interest Account") and another in respect of the Class A16 Certificates (such account, the "Class A16 Interest Account"). Each of the Class A9 Interest Account and the Class A16 Interest Account shall have the characteristics set forth in this Section 3.17 and shall be held by the Custodian solely for the benefit of the Holders of the Class A9 and Class A16 Certificates, respectively, and the Holders of the Class R Certificates (to the extent of their rights therein). Amounts on deposit in the Class A9 Interest Account and the Class A16 Interest Account shall be applied by the Custodian solely as provided in Sections 4.01(g)(i) and (ii). The Class A9 Interest Account and the Class A16 Interest Account shall not be assets of the Trust Fund, but shall be assets in the REMIC. In acting as Custodian with respect to the Class A9 Interest Account and the Class A16 Interest Account, the Custodian shall have all rights and immunities of the Trustee under this Agreement and shall have only such express duties as set forth in this Section 3.17 and in Sections 4.01(g)(i) and (ii).

On or prior to the Closing Date, the Company, acting as agent for the Class A9 Certificateholders, shall transfer (or cause to be transferred) the Class A9 Interest Account Deposit to the Custodian for deposit into the Class A9 Interest Account. On or prior to the Closing Date, the Company, acting as agent for the Class A16 Certificateholders, shall transfer (or cause to be transferred) the Class A16 Interest Account Deposit to the Custodian for deposit into the Class A16 Interest Account. The Custodian acknowledges receipt of the Class A9 Interest Account Deposit and the Class A16 Interest Account Deposit. The Custodian shall not invest amounts on deposit in the Class A9 Interest Account and the Class A16 Interest Account. Neither the Company, the Custodian, the Trustee nor any other party shall be under any obligation to make any further deposits into the Class A9 Interest Account and the Class A16 Interest Account.

The transfer by (or on behalf of) the Company of the Class A9 Interest Account Deposit and the Class A16 Interest Account Deposit is an outright and unconditional assignment to the Custodian for the benefit of the Holders of the Class A9 and Class A16 Certificates, respectively, and is not in the nature of a pledge or similar arrangement. The Class A9 and Class A16 Interest Accounts shall not be assets of the Company and the Company shall have no legal or beneficial right thereto or interest therein, except any that may arise by virtue of the Company's becoming a Holder of a Class A9 or Class A16 Certificate, as applicable, or a Class R Certificate.

The Class A9 Certificateholders, by their acceptance of a Class A9 Certificate, appoint the Company as their agent for the purpose of transferring (or causing the transfer of) the Class A9 Interest Account Deposit to the Trustee. The Class A16 Certificateholders, by their acceptance of a Class A16 Certificate, appoint the Company as their agent for the purpose of transferring (or causing the transfer of) the Class A16 Interest Account Deposit to the Trustee.

ARTICLE IV

PAYMENTS AND STATEMENTS

Section 4.01. Distributions. (a) On each Distribution Date, the Trustee shall withdraw the Available Funds from the Certificate Account and shall make distributions to Holders of the Certificates as of the preceding Record Date in the following order of priority, to the extent of the remaining Available Funds:

(i) to each Class of Senior Certificates (other than any Class of Principal Only Certificates) and the Class S Certificates, the Accrued Certificate Interest thereon for such Distribution Date; provided, however, that it shall be assumed for purposes of distributions of Available Funds in respect of interest on the Class A9 and Class A16 Certificates that each such Class has a Certificate Interest Rate of 7.50%; and provided, further, that any shortfall in available amounts shall be allocated among such Classes in proportion to the amount of Accrued Certificate Interest that would otherwise be distributable thereto;

(ii) to each Class of Senior Certificates (other than any Class of Principal Only Certificates) and the Class S Certificates, any related Unpaid Class Interest Shortfall for such Distribution Date; provided, however, that it shall be assumed for purposes of distributions of Available Funds in respect of interest on the Class A9 and Class A16 Certificates that each such Class has a Certificate Interest Rate of 7.50%; and provided, further, that any shortfall in available amounts shall be allocated among such Classes in proportion to the Unpaid Class Interest Shortfall for each such Class on such Distribution Date;

(iii) to the Classes of Senior Certificates entitled to distributions of principal, in reduction of the Class Certificate Principal Balances thereof, as set forth in the Senior Principal Priorities hereto; provided, however, that defined terms used in the Senior Principal Priorities shall have the meanings assigned thereto in Article I hereof, without regard to the use of the word "approximately" therein;

(iv) to the Class PO Certificates, any Class PO Deferred Amount for such Distribution Date, up to an amount not to exceed the Junior Optimal Principal Amount for such Distribution Date, until the Class Certificate Principal Balance of such Class has been reduced to zero; provided, that any such amounts distributed to the Class PO Certificates pursuant to this clause (iv) shall not reduce the Class Certificate Principal Balance thereof;

(v) to the Class M Certificates, the Accrued Certificate Interest thereon for such Distribution Date;

(vi) to the Class M Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date;

(vii) to the Class M Certificates, in reduction of the Class Certificate Principal Balance thereof, such Class's Allocable Share of the Junior Optimal Principal Amount on such Distribution Date;

(viii) to the Class B1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date;

(ix) to the Class B1 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date;

(x) to the Class B1 Certificates, in reduction of the Class Certificate Principal Balance thereof, such Class's Allocable Share of the Junior Optimal Principal Amount on such Distribution Date;

(xi) to the Class B2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date;

(xii) to the Class B2 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date;

(xiii) to the Class B2 Certificates, in reduction of the Class Certificate Principal Balance thereof, such Class's Allocable Share of the Junior Optimal Principal Amount on such Distribution Date;

(xiv) to the Class B3 Certificates, the Accrued Certificate Interest thereon for such Distribution Date;

(xv) to the Class B3 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date;

(xvi) to the Class B3 Certificates, in reduction of the Class Certificate Principal Balance thereof, such Class's Allocable Share of the Junior Optimal Principal Amount on such Distribution Date;

(xvii) to the Class B4 Certificates, the Accrued Certificate Interest thereon for such Distribution Date;

(xviii) to the Class B4 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date;

(xix) to the Class B4 Certificates, in reduction of the Class Certificate Principal Balance thereof, such Class's Allocable Share of the Junior Optimal Principal Amount on such Distribution Date;

(xx) to the Class B5 Certificates, the Accrued Certificate Interest thereon for such Distribution Date;

(xxi) to the Class B5 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date; and

(xxii) to the Class B5 Certificates, in reduction of the Class Certificate Principal Balance thereof, such Class's Allocable Share of the Junior Optimal Principal Amount on such Distribution Date.

Notwithstanding the foregoing, amounts otherwise distributable pursuant to clauses (vii), (x), (xiii), (xvi), (xix) and (xxii) on any Distribution Date shall be reduced, in inverse order of priority, by any amount distributed pursuant to clause (iv) on such date, such that such amount distributed pursuant to clause (iv) on such date shall be applied first to reduce the amount distributable pursuant to clause (xxii), and then, to the extent of any excess, applied second, to reduce the amount distributable pursuant to clause (xix), third, to reduce the amount distributable pursuant to clause (xvi), fourth, to reduce the amount distributable pursuant to clause (xiii), fifth, to reduce the amount distributable pursuant to clause (x) and sixth, to reduce the amount distributable pursuant to clause (vii).

(b) On each Distribution Date, the Trustee shall distribute to the holder of the Class R Certificate any remaining Available Funds for such Distribution Date after application of all amounts described in clause (a) of this Section 4.01, together with any Unanticipated Recoveries received by the Company in the calendar month preceding the month of such Distribution Date and not distributed on such Distribution Date to the holders of outstanding Certificates of any other Class pursuant to Section 4.01(f), plus any amounts distributable to the holder of the Class R Certificate pursuant to Sections 4.01(e), 4.01(g) and 4.10(e). Any distributions pursuant to this subsection (b) shall not reduce the Class Certificate Principal Balance of the Class R Certificate.

(c) If on any Distribution Date the Class Certificate Principal Balances of the Junior Certificates have each been reduced to zero, the amount distributable to the Senior Certificates other than the Class PO Certificates pursuant to Section 4.01(a)(iii) for such Distribution Date and each succeeding Distribution Date shall be allocated among such Classes of Senior Certificates, pro rata, on the basis of their respective Class Certificate Principal Balances immediately prior to such Distribution Date, regardless of the priorities and amounts set forth in Section 4.01(a)(iii).

(d) If on any Distribution Date (i) the Class Certificate Principal Balance of the Class M Certificates or any Class of Class B Certificates for which the related Prepayment Distribution Trigger was satisfied on such Distribution Date is reduced to zero and (ii) amounts distributable pursuant to clauses (ii), (iv) and (v) of the Junior Optimal Principal Amount remain undistributed on such Distribution Date after all amounts otherwise distributable on such date pursuant to clauses (iv) through (xxii) of Section 4.01(a) have been distributed, such amounts shall be distributed on such Distribution Date to the remaining Classes of Junior Certificates in order of priority, such that no such distribution shall be made to any Class of Junior Certificates while a prior such Class is outstanding.

(e) (i) On each Distribution Date prior to the Cross-Over Date, distributions in reduction of the Class Certificate Principal Balances of any Designated Retail Certificates will be made in accordance with the provisions of Section 4.10.

With respect to any Class of Designated Retail Certificates, upon the earlier of the Cross-Over Date and the next Distribution Date after the Distribution Date on which the Class Certificate Principal Balance of such Class of Designated Retail Certificates has been reduced to zero, (x) to the extent the balance of funds remaining in the related Rounding Account is less than $999.99, the balance in such Rounding Account shall be restored to $999.99 (or, if less, the sum of such remaining balance and the amount so distributable) from Available Funds otherwise available for distribution on all outstanding Classes of Certificates and (y) such Rounding Account shall be cleared and terminated, and the amounts therein shall be distributed to the Class R Certificates on such date (which distribution shall not reduce the Class Certificate Principal Balance thereof).

(ii) As provided in Section 4.10(f), notwithstanding any provisions herein to the contrary, on the Cross-Over Date and on each subsequent Distribution Date, distributions in reduction of the Class Certificate Principal Balances of any Class of Designated Retail Certificates shall be made on a pro rata basis among the outstanding Certificates of the respective Class, based on the Percentage Interest in each such Class represented by each Certificate. The Trustee shall notify the Depository prior to the first Distribution Date on which distributions in respect of principal on any Class of Designated Retail Certificates are to be made on a pro rata basis in accordance with the preceding sentence. On the Cross-Over Date and on each subsequent Distribution Date, the Trustee shall not, and the Depository is not authorized to, make distributions or payments in respect of any Class of Designated Retail Certificates in accordance with any Principal Distribution Request or by Random Lot.

(f) In the event that in any calendar month the Company recovers an amount (an "Unanticipated Recovery") in respect of principal of a Mortgage Loan which had previously been allocated as a Realized Loss to any Class of Certificates pursuant to Section 4.03, on the Distribution Date in the next succeeding calendar month the Trustee shall withdraw from the Certificate Account and distribute to the holders of each outstanding Class to which such Realized Loss had previously been allocated its share (determined as described in the succeeding paragraph) of such Unanticipated Recovery in an amount not to exceed the amount of such Realized Loss previously allocated to such Class. When the Class Certificate Principal Balance of a Class of Certificates has been reduced to zero, the holders of such Class shall not be entitled to any share of an Unanticipated Recovery, and such Unanticipated Recovery shall be allocated among all outstanding Classes of Certificates entitled thereto in accordance with the preceding sentence, subject to the remainder of this subsection (f). In the event that (i) any Unanticipated Recovery remains undistributed in accordance with the preceding sentence or (ii) the amount of an Unanticipated Recovery exceeds the amount of the Realized Loss previously allocated to any outstanding Classes with respect to the related Mortgage Loan, on the applicable Distribution Date the Trustee shall distribute to the holders of all outstanding Classes of the related Certificates to which Realized Losses had previously been allocated and not reimbursed their pro rata share (determined as described below) of such excess in an amount not to exceed the aggregate amount of any Realized Loss previously allocated to such Class with respect to any other Mortgage Loan that has not been recovered in accordance with this subsection (f). Any distributions made pursuant to this subsection (f) shall not reduce the Class Certificate Principal Balance of the related Certificate.

For purposes of the preceding paragraph, the share of an Unanticipated Recovery allocable to any Class of Certificates with respect to a Mortgage Loan shall be (i) with respect to the Class PO Certificates, based on the applicable PO Percentage of the principal portion of the Realized Loss previously allocated thereto with respect to such Mortgage Loan (or all Mortgage Loans for purposes of the next to last sentence of the preceding paragraph), and (ii) with respect to any other Class of Certificates, based on its pro rata share (in proportion to the Class Certificate Principal Balances thereof with respect to such Distribution Date) of the applicable Non-PO Percentage of the principal portion of any such Realized Loss previously allocated with respect to such Mortgage Loan (or Loans); provided, however, that (i) the share of an Unanticipated Recovery allocable to a Class PO Certificate with respect to any Mortgage Loan (or Loans) shall be reduced by the aggregate amount previously distributed to such Class on account of the applicable Class PO Deferred Amount in respect of such Mortgage Loan (or Loans) and (ii) the amount by which the distributions to the Class PO Certificates have been so reduced shall be distributed to the Classes of Certificates described in clause (ii) of the preceding paragraph in the same proportion as described in such clause (ii). For purposes of the preceding sentence, any Class PO Deferred Amount distributed to a Class PO Certificate on previous Distribution Dates shall be deemed to have been allocated in respect of the Mortgage Loans as to which the applicable PO Percentage of the principal portion of Realized Losses has previously been allocated to such Class on a pro rata basis (based on the amount of Realized Losses so allocated).

(g) (i) On each Distribution Date through the earlier of (a) the Distribution Date in November 2002, or (b) the Distribution Date on which the Class Certificate Principal Balance of the Class A9 Certificates is reduced to zero (either of the immediately preceding clauses (a) or (b) is the "Class A9 Interest Account Termination Date"), the Custodian shall withdraw and transfer to the Trustee, from amounts on deposit in the Class A9 Interest Account, an amount equal to the excess of (i) the amount of interest accrued on the Class A9 Certificates during the related Interest Accrual Period at the then-applicable Certificate Interest Rate, over (ii) the amount of interest that would have accrued on the Class A9 Certificates during such Interest Accrual Period at a Certificate Interest Rate equal to 7.50% (determined, in each case, without giving effect to Net Interest Shortfalls and Interest Losses), and the Trustee shall distribute such amount to the Holders of the Class A9 Certificates, as part of and in addition to the distribution of interest thereon pursuant to Section 4.01(a)(i) above. In addition, on each Distribution Date prior to the Class A9 Interest Account Termination Date (a "Calculation Date"), the Custodian shall withdraw and transfer to the Trustee, from amounts on deposit in the Class A9 Interest Account (after taking into account the withdrawal pursuant to the prior sentence), an amount equal to the excess, if any, of (y) amounts on deposit in the Class A9 Interest Account (after taking into account the withdrawal pursuant to the prior sentence) over (z) the amount of interest that would accrue on the Class A9 Certificates during all subsequent Interest Accrual Periods to and including the Distribution Date in November 2002 at a Certificate Interest Rate of 0.50% (determined without giving effect to Net Interest Shortfalls and Interest Losses) on the Class Certificate Principal Balance of such Class, determined after taking into account principal distributions made on the Class A9 Certificates on such Calculation Date and assuming no further principal distributions of principal on the Class A9 Certificates. The Trustee shall distribute any such amounts determined pursuant to the immediately preceding sentence to the Holders of the Class R Certificates. On the Class A9 Interest Account Termination Date, the Custodian shall withdraw any amount remaining in the Class A9 Interest Account and transfer such amount to the Trustee for distribution to the Holders of the Class R Certificates.

(ii) On each Distribution Date through the earlier of (a) the Distribution Date in November 2002, or (b) the Distribution Date on which the Class Certificate Principal Balance of the Class A16 Certificates is reduced to zero (either of the immediately preceding clauses (a) or (b) is the "Class A16 Interest Account Termination Date"), the Custodian shall withdraw and transfer to the Trustee, from amounts on deposit in the Class A16 Interest Account, an amount equal to the excess of (i) the amount of interest accrued on the Class A16 Certificates during the related Interest Accrual Period at the then-applicable Certificate Interest Rate, over (ii) the amount of interest that would have accrued on the Class A16 Certificates during such Interest Accrual Period at a Certificate Interest Rate equal to 7.50% (determined, in each case, without giving effect to Net Interest Shortfalls and Interest Losses), and the Trustee shall distribute such amount to the Holders of the Class A16 Certificates, as part of and in addition to the distribution of interest thereon pursuant to Section 4.01(a)(i) above. In addition, on each Distribution Date prior to the Class A16 Interest Account Termination Date (a "Calculation Date"), the Custodian shall withdraw and transfer to the Trustee, from amounts on deposit in the Class A16 Interest Account (after taking into account the withdrawal pursuant to the prior sentence), an amount equal to the excess, if any, of (y) amounts on deposit in the Class A16 Interest Account (after taking into account the withdrawal pursuant to the prior sentence) over (z) the amount of interest that would accrue on the Class A16 Certificates during all subsequent Interest Accrual Periods to and including the Distribution Date in November 2002 at a Certificate Interest Rate of 0.50% (determined without giving effect to Net Interest Shortfalls and Interest Losses) on the Class Certificate Principal Balance of such Class, determined after taking into account principal distributions made on the Class A16 Certificates on such Calculation Date and assuming no further principal distributions of principal on the Class A16 Certificates. The Trustee shall distribute any such amounts determined pursuant to the immediately preceding sentence to the Holders of the Class R Certificates. On the Class A16 Interest Account Termination Date, the Custodian shall withdraw any amount remaining in the Class A16 Interest Account and transfer such amount to the Trustee for distribution to the Holders of the Class R Certificates.

Section 4.02. Method of Distribution. (a) Except as set forth in Section 4.10 in respect of any Designated Retail Certificates, all distributions with respect to each Class of Certificates on each Distribution Date shall be made pro rata among the outstanding Certificates of such Class, based on the Percentage Interest in such Class represented by each Certificate. Payments to the Certificateholders on each Distribution Date will be made by the Trustee to the Certificateholders of record on the related Record Date (other than as provided in Section 9.01 respecting the final distribution) by check or money order mailed to a Certificateholder at the address appearing in the Certificate Register, or upon written request by such Certificateholder to the Trustee made not later than the applicable Record Date, by wire transfer to a U.S. depository institution acceptable to the Trustee, or by such other means of payment as such Certificateholder and the Trustee shall agree.

(b) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, which shall credit the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each Financial Intermediary for which it acts as agent. Each Financial Intermediary shall be responsible for disbursing funds to the Certificate Owners that it represents. Except as otherwise provided in Section 4.10(g), the Depository shall be responsible for the allocation of the aggregate amount of distributions in reduction of the Class Certificate Principal Balances of any Class of Designated Retail Certificates among the Depository Participants in accordance with Section 4.10, and each Depository Participant (and each respective Financial Intermediary for which such Depository Participant acts as agent) shall be responsible for the allocation of the amount allocated thereto among the related Certificate Owners. All such credits and disbursements with respect to a Book-Entry Certificate are to be made by the Depository and the Depository Participants in accordance with the provisions of the applicable Certificates. Neither the Trustee nor the Company shall have any responsibility therefor except as otherwise provided by applicable law.

(c) The Trustee shall withhold or cause to be withheld such amounts as it reasonably determines are required by the Code (giving full effect to any exemptions from withholding and related certifications required to be furnished by Certificateholders or Certificate Owners and any reductions to withholding by virtue of any bilateral tax treaties and any applicable certification required to be furnished by Certificateholders or Certificate Owners with respect thereto) from distributions to be made to Non-U.S. Persons. If the Trustee reasonably determines that a more accurate determination of the amount required to be withheld for a distribution can be made within a reasonable period after the scheduled date for such distribution, it may hold such distribution in trust for a holder of a Residual Certificate until such determination can be made. For the purposes of this paragraph, a "Non-U.S. Person" is (i) an individual other than a citizen or resident of the United States, (ii) a partnership, corporation or entity treated as a partnership or corporation for U.S. federal income tax purposes not formed under the laws of the United States, any state thereof or the District of Columbia (unless, in the case of a partnership, Treasury regulations provide otherwise), (iii) any estate, the income of which is not subject to U.S. federal income taxation, regardless of source, and (iv) any trust, other than a trust that a court within the United States is able to exercise primary supervision over the administration of the trust and one or more U.S. Persons have the authority to control all substantial decisions of the trust.

Section 4.03. Allocation of Losses. (a) On or prior to each Determination Date, the Company shall determine the amount of any Realized Loss in respect of each Mortgage Loan that occurred during the immediately preceding calendar month.

(b) With respect to any Distribution Date, the principal portion of each Realized Loss (other than any Excess Loss) shall be allocated as follows:

(i) the applicable PO Percentage of the principal portion of any such Realized Loss shall be allocated to the Class PO Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; and

(ii) the applicable Non-PO Percentage of the principal portion of any such Realized Loss shall be allocated in the following order of priority:

first, to the Class B5 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero;

second, to the Class B4 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero;

third, to the Class B3 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero;

fourth, to the Class B2 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero;

fifth, to the Class B1 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero;

sixth, to the Class M Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; and

seventh, to the Classes of Senior Certificates other than the Class PO Certificates, pro rata, in accordance with their Class Certificate Principal Balances; provided, that any such loss allocated to any Class of Accrual Certificates (and any Accrual Component) shall be allocated (subject to Section 4.03(d)) on the basis of the lesser of (x) the Class Certificate Principal Balance (or Component Principal Balance) thereof immediately prior to the applicable Distribution Date and (y) the Class Certificate Principal Balance (or Component Principal Balance) thereof on the Closing Date (as reduced by any Realized Losses previously allocated thereto).

(c) With respect to any Distribution Date, the principal portion of any Excess Loss (other than Excess Bankruptcy Losses attributable to Debt Service Reductions) shall be allocated as follows: (1) the PO Percentage of any such loss shall be allocated to the Class PO Certificates, and (2) the Non-PO Percentage of any such loss shall be allocated to each Class of Certificates other than the Class PO Certificates, pro rata, based on the respective Class Certificate Principal Balances thereof; provided, that any such loss allocated to any Class of Accrual Certificates (and any Accrual Component) shall be allocated (subject to Section 4.03(d)) on the basis of the lesser of (x) the Class Certificate Principal Balance (or Component Principal Balance) thereof immediately prior to the applicable Distribution Date and (y) the Class Certificate Principal Balance (or Component Principal Balance) thereof on the Closing Date (as reduced by any Realized Losses previously allocated thereto).

(d) Any Realized Losses allocated to a Class of Certificates pursuant to Section 4.03(b) or (c) shall be allocated among the Certificates of such Class in proportion to their respective Certificate Principal Balances. In addition, any Realized Losses allocated to any Class of Component Certificates on a Distribution Date shall be allocated in reduction of the Component Principal Balances of the related Components (other than any Notional Component) in proportion to their respective Component Principal Balances immediately prior to such Distribution Date. Any allocation of Realized Losses pursuant to this paragraph (d) shall be accomplished by reducing the Certificate Principal Balance (or, in the case of any Component, the Component Principal Balance) of the related Certificates (or Components) on the related Distribution Date in accordance with Section 4.03(e).

(e) Realized Losses allocated in accordance with this Section 4.03 shall be allocated on the Distribution Date in the month following the month in which such loss was incurred and, in the case of the principal portion thereof, after giving effect to distributions made on such Distribution Date, except that the aggregate amount of Realized Losses to be allocated to the Class PO Certificates on such Distribution Date will be taken into account in determining distributions in respect of any Class PO Deferred Amount for such date.

(f) On each Distribution Date, the Company shall determine the Subordinate Certificate Writedown Amount, if any. Any such Subordinate Certificate Writedown Amount shall effect, without duplication of any other provision in this Section 4.03 that provides for a reduction in the Certificate Principal Balance of the Subordinate Certificates, a corresponding reduction in the Certificate Principal Balance of the Subordinate Certificates, which reduction shall occur on such Distribution Date after giving effect to distributions made on such Distribution Date.

(g) Notwithstanding the foregoing, no such allocation of any Realized Loss shall be made on a Distribution Date to a Class of Certificates to the extent that such allocation would result in the reduction of the aggregate Certificate Principal Balances of all the Certificates as of such Distribution Date, after giving effect to all distributions and prior allocations of Realized Losses on such date, to an amount less than the aggregate Scheduled Principal Balance of the Mortgage Loans as of the first day of the month of such Distribution Date, less any Deficient Valuations occurring on or prior to the Bankruptcy Coverage Termination Date (such limitation, the "Loss Allocation Limitation").

Section 4.04. Monthly Advances; Purchases of Defaulted Mortgage Loans. (a) The Company shall be required to make Monthly Advances in the manner and to the extent provided herein. Prior to the close of business on each Determination Date, the Company shall determine (i) the amount of the Monthly Advance which it is required to make on the related Distribution Date and (ii) whether it has elected to purchase any Defaulted Mortgage Loan or Loans on such Distribution Date. If the Company so elects to purchase any Defaulted Mortgage Loans (or is required to purchase any Mortgage Loan pursuant to Section 2.02 or 2.03(a)), no Monthly Advance shall be required with respect thereto for the month in which such purchase occurs. The Company shall include information as to each of such determinations in the Servicer's Certificate furnished by it to the Trustee in accordance with Section 4.06 and shall be obligated to transfer to the Certificate Account pursuant to Section 3.02(d) on or before 11:00 a.m. New York time on the Business Day next preceding the following Distribution Date in next-day funds the respective amounts applicable to such determinations appearing in such Servicer's Certificate. Upon receipt by the Trustee of written notification signed by a Servicing Officer of any such deposit relating to the purchase by the Company of such a Mortgage Loan, the Trustee shall release to the Company the related Mortgage File and shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as shall be necessary to vest in the Company any Mortgage Loan released pursuant hereto.

(b) In the event that the Company transfers or expects to transfer less than the Available Funds required to be deposited by it pursuant to Section 3.02(d), the Company shall so notify the Trustee no later than 9:00 a.m. on the Business Day preceding the related Distribution Date, and the amount so transferred, if any, shall be deemed to have been transferred first pursuant to clause (i) of the definition of Available Funds, second pursuant to clause (iii) of the definition of Available Funds, and third pursuant to clause (ii) of the definition of Available Funds. Such notice shall specify each Mortgage Loan delinquent as of the preceding Determination Date. In such event, the Trustee shall make any Monthly Advance required to be made hereunder, in the manner and to the extent required; provided, the Trustee shall not be so obligated if prohibited by applicable law.

(c) In the event that the Company is succeeded hereunder as servicer, the obligation to make Monthly Advances in the manner and to the extent required by Section 4.04(a) shall be assumed by the successor servicer (subject to Section 7.02).

Section 4.05. Statements to Certificateholders. Each month, at least two Business Days prior to each Distribution Date, the Company shall deliver to the Trustee a statement (each, a "Distribution Date Statement") substantially in the form of Exhibit J hereto. On the first two Distribution Dates immediately following the Closing Date, the Trustee shall mail to each Certificateholder the related Distribution Date Statement. Beginning on the second (or on any succeeding) Distribution Date immediately following the Closing Date, the Trustee may provide a notice that future Distribution Date Statements shall be made available on the Trustee's website maintained on the internet; such notice shall (a) specify the Trustee's website address, and (b) provide for any Certificateholder to request any future Distribution Date Statement(s) to be mailed to such requesting Certificateholder. If on the third (or on any succeeding) Distribution Date immediately following the Closing Date the Trustee elects to make available such Distribution Date Statements on the Trustee's website maintained on the internet, on each Distribution Date the Trustee shall (y) make such Distribution Date Statements available on the Trustee's website, and (z) mail the applicable Distribution Date Statement to any such Certificateholder who so requests or has previously so requested. In addition, the Trustee shall promptly notify the Certificateholders of any changes in the internet address of the Trustee's website. If on any Distribution Date the Trustee is unable to make or otherwise determines not to make the applicable Distribution Date Statement available on the Trustee's website, then the Trustee shall mail such Distribution Date Statement to each Certificateholder on such Distribution Date. Each Distribution Date Statement shall set forth:

(i) The amount of such distribution to the Certificateholders of each Class (and in respect of any Component), other than any Notional Certificates (and any Notional Component), allocable to principal, separately identifying the aggregate amount of any Principal Prepayments included therein (including, for this purpose, the Scheduled Principal Balances of all Defaulted Mortgage Loans and Defective Mortgage Loans purchased pursuant to Section 2.02, 2.03(b) or 3.16, respectively, and any amounts deposited pursuant to Section 2.03(b) in connection with the substitution of any Mortgage Loans pursuant to Section 2.02 or 2.03(a), the proceeds of which purchases or substitutions are being distributed on such Distribution Date);

(ii) The amount of such distribution to the Certificateholders of each Class (other than any Class of Principal Only Certificates) allocable to interest, including any Accrual Amount added to the Class Certificate Principal Balance or Component Principal Balance of any Class of Accrual Certificates or any Accrual Components;

(iii) The amount of servicing compensation paid to the Company during the month preceding the month of distribution in respect of the Mortgage Loans and such other customary information as the Company deems necessary or desirable to enable Certificateholders to prepare their tax returns;

(iv) The Pool Scheduled Principal Balance and the aggregate number of the Mortgage Loans on the preceding Due Date after giving effect to all distributions allocable to principal made on such Distribution Date;

(v) The Class Certificate Principal Balance (or Notional Principal Balance) of each Class, the Component Principal Balance of each Component and the Certificate Principal Balance (or Notional Principal Balance) of a Single Certificate of each Class after giving effect to (i) all distributions allocable to principal (or reductions in the Notional Principal Balance, in the case of the Notional Certificates, or the addition of any Accrual Amount, in the case of any Class of Accrual Certificates) made on such Distribution Date and (ii) the allocation of any Realized Losses and any Subordinate Certificate Writedown Amount for such Distribution Date;

(vi) The Pay-out Rate applicable to each Class of Certificates;

(vii) The book value and unpaid principal balance of any real estate acquired on behalf of Certificateholders through foreclosure, or grant of a deed in lieu of foreclosure or otherwise, of any REO Mortgage Loan, and the number of the related Mortgage Loans;

(viii) The aggregate Scheduled Principal Balances and number of Mortgage Loans which, as of the close of business on the last day of the month preceding the related Distribution Date, were (a) delinquent as to a total of (x) 30-59 days, (y) 60-89 days and (z) 90 days or more, and (b) in foreclosure;

(ix) The Scheduled Principal Balance of any Mortgage Loan replaced pursuant to Section 2.03(b);

(x) The Certificate Interest Rates of any LIBOR Certificates, any COFI Certificates and the Class S Certificates applicable to the Interest Accrual Period relating to such Distribution Date and such Class;

(xi) The Senior Percentage, the Class A17 Percentage, the Class A17 Distribution Percentage and the Junior Percentage for such Distribution Date;

(xii) The Senior Prepayment Percentage and the Junior Prepayment Percentage for such Distribution Date; and

(xiii) The amount of such distribution to the Certificateholders of each Class allocable to Unanticipated Recoveries.

In the case of information furnished pursuant to clauses (i) through (iii) above, the amounts shall be expressed as a dollar amount per Single Certificate.

In connection with any proposed transfer of a Certificate that is purported to be made in reliance on Rule 144A under the Securities Act, the Company shall be responsible for furnishing such information as may be required thereunder to a proposed transferee. In furtherance of the Company's obligations hereunder, the Company hereby instructs the Trustee, at the Company's expense and on its behalf, and the Trustee agrees, to promptly make available to the proposed transferee, upon request of the holder, (i) all statements furnished to Certificateholders pursuant to this Section 4.05 on previous Distribution Dates, (ii) all certificates furnished to the Trustee pursuant to Section 4.06 in prior months, (iii) Officer's Certificates furnished to the Trustee pursuant to Section 3.12 for the two years preceding such request, (iv) reports of independent accountants furnished to the Trustee pursuant to Section 3.13 for the two years preceding such request, (v) a copy of the Private Placement Memorandum relating to such Certificate, together with any amendments or supplements thereto issued by the Company, which may be accompanied by a legend to the effect that the information contained in the Private Placement Memorandum and any amendment or supplement thereto is current only as of its date and the delivery thereof does not create an implication that such information is correct as of any subsequent date of delivery (it being understood that the Company has no obligation hereunder to update or supplement the Private Placement Memorandum unless otherwise required pursuant to Rule 144A(d)(4)) (which copy and legend shall be furnished to the Trustee by the Company), and (vi) the Company's Current Report on Form 8-K, dated the Closing Date, relating to the Mortgage Loans; provided, however, that the Trustee shall in no event be required to make available such statements or certificates pursuant to clauses (i) and (ii) above relating to Distribution Dates occurring more than twenty-four months preceding the month in which such request was received; provided, further, however, that notwithstanding the Trustee's agreement as aforesaid to provide such materials to a proposed transferee, the Trustee does not assume, and shall not thereby be deemed to have assumed, any responsibility for compliance by the Company with Rule 144A (subject to the Trustee's agreement set forth in the second sentence of this paragraph) and shall be entitled to include a notice with such statements or certificates to the effect that such materials have not been prepared or assembled by the Trustee and that the Trustee assumes no responsibility for the adequacy, sufficiency or contents thereof. In connection with any such proposed transfer, the Company shall make available to the proposed holder, at the request of the related transferor, such additional information, if any, as may be required to be delivered pursuant to Rule 144A(d)(4).

Section 4.06. Servicer's Certificate. Each month, not later than the second Business Day next preceding each Distribution Date, the Company shall deliver to the Trustee a completed Servicer's Certificate.

Section 4.07. Reports of Foreclosures and Abandonments of Mortgaged Property. The Trustee (or the Company on behalf of the Trustee) shall, in each year beginning after 1999, make the reports of foreclosures and abandonments of any Mortgaged Property as required by section 6050J of the Code. In order to facilitate this reporting process, the Company, on or before January 15th of each year, shall provide to the Trustee reports relating to each instance occurring during the previous calendar year in which the Company (i) on behalf of the Trustee acquires an interest in a Mortgaged Property through foreclosure or other comparable conversion in full or partial satisfaction of a Mortgage Loan, or (ii) knows or has reason to know that a Mortgaged Property has been abandoned. Reports from the Company shall be in form and substance sufficient to meet the reporting requirements imposed by section 6050J of the Code.

Section 4.08. Reduction of Servicing Fees by Compensating Interest Payments. The aggregate amount of the Servicing Fees subject to retention by the Company as servicer in respect of any Distribution Date shall be reduced by the amount of any Compensating Interest Payment for such Distribution Date.

Section 4.09. Surety Bond. (a) If a Required Surety Payment is payable pursuant to the Surety Bond with respect to any Pledged Asset Mortgage Loan, the Company shall so notify the Trustee as soon as reasonably practicable and shall, on behalf of the Trustee for the benefit of the Certificateholders, promptly complete the notice in the form of Attachment 1 to the Surety Bond and shall promptly submit such notice to the Surety as a claim for a Required Surety Payment.

(b) Upon receipt of a Required Surety Payment from the Surety on behalf of the Certificateholders, the Company shall promptly credit such amount to the Mortgage Loan Payment Record.

Section 4.10. Distributions to Holders of Designated Retail Certificates. (a) Except as provided in subsections (d) and (f) below, on each Distribution Date on which distributions in reduction of the Class Certificate Principal Balance of a Class of Designated Retail Certificates are made, such distributions will be made in the following order of priority:

(i) first, in respect of any Principal Distribution Request by the personal representative of a Deceased Holder of such Class of Certificates, a surviving tenant by the entirety, a surviving joint tenant, a surviving tenant in common or such other Person empowered to act on behalf of such Deceased Holder upon his or her death, in an amount up to but not exceeding $100,000 per request; and

(ii) second, in respect of any Principal Distribution Request by a Living Holder of such Class of Certificates, in an amount up to but not exceeding $10,000 per request.

Thereafter, distributions in respect of such Class submitted on behalf of each Deceased Holder will be made as provided in clause (i) above up to a second $100,000 per request and distributions in respect of such Class submitted on behalf of each Living Holder will be made as provided in clause (ii) above up to a second $10,000 per request. This sequence of priorities will be repeated until all such requests have been honored to the extent of amounts available for distribution in reduction of the Class Certificate Principal Balance of such Class of Designated Retail Certificates.

Principal Distribution Requests presented on behalf of Deceased Holders in accordance with the provisions of clause (i) above will be accepted in the order of their receipt by the Depository. Principal Distribution Requests presented in accordance with the provisions of clause (ii) above will be accepted in the order of their receipt by the Depository after all requests presented in accordance with clause (i) have been honored. All Principal Distribution Requests with respect to any Distribution Date shall be made in accordance with Section 4.10(c) below and must be received by the Depository no later than the close of business on the related Record Date. Principal Distribution Requests that are received by the Depository after the related Record Date and requests, in either case, for distributions timely received but not accepted with respect to any Distribution Date, will be treated as Principal Distribution Requests on the next succeeding Distribution Date, and each succeeding Distribution Date thereafter, until each such request is accepted or is withdrawn as provided in Section 4.10(c). Requests on behalf of Deceased Holders that are not so withdrawn shall retain their order of priority, all in accordance with the procedures of the Depository and the Trustee. Upon the transfer of beneficial ownership of any Designated Retail Certificate, any Principal Distribution Request previously submitted with respect to such Certificate will be deemed to have been withdrawn only upon the receipt by the Trustee of notification of such withdrawal using a form required by the Depository.

Principal Distribution Requests for a Class of Designated Retail Certificates will be applied, in the aggregate, in an amount equal to the portion of the Available Funds distributable to such Class of Certificates pursuant to Section 4.01(a), plus any amounts available for distribution from the related Rounding Account pursuant to Section 4.10(e), provided that the aggregate distribution in reduction of the Class Certificate Principal Balance of any Class of Designated Retail Certificates on any Distribution Date shall be made in an integral multiple of $1,000, subject to Section 4.10(f).

(b) A "Deceased Holder" is a beneficial owner of a Designated Retail Certificate who was living at the time such interest was acquired and whose authorized personal representative, surviving tenant by the entirety, surviving joint tenant or surviving tenant in common or other Person empowered to act on behalf of such beneficial owner upon his or her death, causes to be furnished to the Trustee a certified copy of the death certificate of such Deceased Holder, evidence of such person's status as an authorized representative of the Deceased Holder, such as surviving tenant (whether by the entirety, joint tenancy or tenancy in common), which evidence shall be satisfactory to the Trustee, and any additional evidence of death required by and satisfactory to the Trustee and any tax waivers requested by the Trustee. Designated Retail Certificates beneficially owned by tenants by the entirety, joint tenants or tenants in common will be considered to be beneficially owned by a single owner. The death of a tenant by the entirety, joint tenant or tenant in common will be deemed to be the death of the beneficial owner, and any Designated Retail Certificates so beneficially owned will be eligible for priority with respect to distributions in reduction of the Class Certificate Principal Balance of such Class of Certificates, subject to the limitations contained in this Section 4.10. Designated Retail Certificates beneficially owned by a trust will be considered to be beneficially owned by each beneficiary of the trust to the extent of such beneficiary's beneficial interest therein, but in no event will a trust's beneficiaries collectively be deemed to be beneficial owners of a number of individual Designated Retail Certificates greater than the number of individual Designated Retail Certificates of which such trust is the beneficial owner. The death of a beneficiary of a trust will be deemed to be the death of a beneficial owner of the Designated Retail Certificates beneficially owned by the trust to the extent of such beneficiary's beneficial interest in such trust. The death of an individual who was a tenant by the entirety, joint tenant or tenant in common in a tenancy that is the beneficiary of a trust will be deemed to be the death of the beneficiary of the trust. The death of a person who, immediately prior to his or her death, was entitled to substantially all of the beneficial ownership interest in a Designated Retail Certificate will be deemed to be the death of the beneficial owner of such Certificate regardless of the registration of ownership of such Certificate, if such beneficial ownership interest can be established to the satisfaction of the Trustee. The Trustee's decision regarding whether a Deceased Holder's beneficial interest is substantial for purposes of the preceding sentence shall be conclusive and binding. Such beneficial interest will be deemed to exist in typical cases of street name or nominee ownership, ownership by a trustee, ownership under the Uniform Gifts to Minors Act and community property or other joint ownership arrangements between a husband and wife. Beneficial interests shall include the power to sell, transfer or otherwise dispose of a Designated Retail Certificate, and the right to receive the proceeds therefrom, as well as interest and distributions in reduction of the Certificate Principal Balance of such Certificates payable with respect thereto. The Trustee shall not be under any duty to determine independently the occurrence of the death of any beneficial owner. The Trustee may rely entirely upon documentation delivered to it in establishing the eligibility of any beneficial owner to receive the priority accorded Deceased Holders in Section 4.10(a). Expenses incurred by the Trustee in an effort to determine the beneficial ownership interest with respect to any Principal Distribution Request presented on behalf of a Deceased Holder, including, without limitation, attorneys fees, shall be paid by the Person presenting such Principal Distribution Request.

(c) Requests for distributions in reduction of the Certificate Principal Balance of a Class of Designated Retail Certificate must be made by delivering a Principal Distribution Request therefor to the Depository Participant or Financial Intermediary that maintains the account evidencing the beneficial owner's interest in such Certificate. Such Depository Participant or Financial Intermediary should in turn make the request of the Depository (or, in the case of an Financial Intermediary, such Financial Intermediary should notify the related Depository Participant of such request, which Depository Participant should make the request of the Depository) on a form required by the Depository and provided to the Depository Participant. In the case of a request on behalf of a Deceased Holder, a certified copy of the death certificate and any additional appropriate evidence of death and any tax waivers must be forwarded to the Trustee under separate cover. Any such requests of Deceased Holders that are incomplete may not be honored by the Trustee and, if not honored, will lose their priority and must be resubmitted in proper form. Upon receipt of such Principal Distribution Request, the Depository will date and time stamp such request and forward such request to the Trustee. Such requests will be honored on any Distribution Date only to the extent that they are received by the Depository on or before the Record Date for such Distribution Date. The Depository may establish such procedures as it deems fair and equitable to establish the order of receipt of requests for such distributions received by it on the same day. Principal Distribution Requests delivered to the Depository after the Record Date for a particular Distribution Date and requests received in a timely manner but not accepted with respect to a particular Distribution Date will be treated as Principal Distribution Requests for the next succeeding Distribution Date and each succeeding Distribution Date thereafter until each request is accepted or is withdrawn as provided below. In the case of Principal Distribution Requests on behalf of Living Holders, the Depository will establish a new order of priority for each Distribution Date. This order will apply both to previously unsatisfied Principal Distribution Requests and to newly submitted requests. A Principal Distribution Request submitted on behalf of a Living Holder who later dies will become entitled to the priority of a newly submitted request on behalf of a Deceased Holder upon satisfaction of the requirements set forth above for requests of a Deceased Holder. Such priority will be effective for each subsequent Distribution Date if the Trustee has received a certified copy of the death certificate for such Deceased Holder and any additional appropriate evidence of death and any requested tax waivers by the last business day of the preceding calendar month. Each Principal Distribution Request submitted by a beneficial owner of a Designated Retail Certificate will be held by the Depository until such request has been accepted or has been withdrawn in writing as provided herein. Neither the Trustee nor the Company shall be liable for any delay in delivery of Principal Distribution Requests or Withdrawals (as defined below) of such requests by the Depository, a Depository Participant or any Financial Intermediary.

In the event that any Principal Distribution Requests are rejected by the Trustee for failure to comply with the requirements of this Section 4.10, the Trustee shall return such requests to the appropriate Depository Participant with a copy to the Depository with an explanation as to the reason for such rejection.

The Trustee shall maintain a list of those Depository Participants representing the Certificate Owners of Designated Retail Certificates that have submitted Principal Distribution Requests, together with the order of receipt and the amounts of such requests. The Trustee shall notify the Depository and the appropriate Depository Participants as to which requests should be honored on each Distribution Date. Requests shall be honored by the Depository in accordance with the procedures, and subject to the priorities and limitations, described in this Section 4.10. The exact procedures to be followed by the Trustee and the Depository for purposes of determining such priorities and limitations shall be those established from time to time by the Trustee or the Depository, as the case may be. The decisions of the Trustee and the Depository concerning such matters shall be final and binding on all affected Persons.

Any beneficial owner of a Designated Retail Certificate that has made a Principal Distribution Request may withdraw its request by so notifying in writing the Depository Participant or Financial Intermediary that maintains such beneficial owner's account (each such withdrawal, a "Withdrawal"). The Depository Participant should forward the Withdrawal to the Depository on a form required by the Depository. In the event that such account is maintained by a Financial Intermediary, such Financial Intermediary should notify the related Depository Participant which in turn should forward the Withdrawal of such request, on a form required by the Depository, to the Depository. If such Withdrawal has not been received by the Depository and forwarded to the Trustee on or before the Record Date for the next Distribution Date, the previously made Principal Distribution Request will be irrevocable with respect to the making of distributions in reduction of the Certificate Principal Balance of such Designated Retail Certificate on such Distribution Date.

(d) To the extent, if any, that amounts available for distribution in reduction of the Class Certificate Principal Balance of a Class of Designated Retail Certificates on a Distribution Date pursuant to Section 4.01(a) exceed the dollar amount of Principal Distribution Requests that have been received in respect of such Class by the related Record Date, as provided in Section 4.10(c) above, distributions in reduction of the Class Certificate Principal Balance of such Class of Certificates will be made by mandatory distributions on a Random Lot basis, in integral multiples equal to $1,000, in reduction thereof without regard to whether such Certificate Owners have submitted Principal Distribution Requests. The Trustee shall notify the Depository of the aggregate amount of the mandatory distribution by Random Lot in reduction of the Class Certificate Principal Balance of such Designated Retail Certificates to be made on the next Distribution Date. The Depository shall then allocate such aggregate amount among its Depository Participants on a Random Lot basis. Each Depository Participant and, in turn, each Financial Intermediary, will then select, in accordance with its own procedures, Designated Retail Certificates of such Class from among those held in its accounts to receive mandatory distributions in reduction of the Class Certificate Principal Balance of such Certificates, such that the total amount so selected is equal to the aggregate amount of such mandatory distributions allocated to such Depository Participant by the Depository and to such Financial Intermediary by its related Depository Participant, as the case may be. Depository Participants and Financial Intermediaries that hold a Class of Designated Retail Certificates selected for mandatory distributions in reduction of the Class Certificate Principal Balance thereof should provide notice of such mandatory distributions to the affected Certificate Owners.

(e) On the Closing Date, a separate Rounding Account shall be established with the Trustee for each Class of Designated Retail Certificates and the Rounding Account Depositor for such Rounding Account shall cause to be initially deposited the sum of $999.99 in each such Rounding Account. On each Distribution Date on which a distribution is to be made in reduction of the Class Certificate Principal Balance of a Class of Designated Retail Certificates pursuant to Section 4.01(a), funds on deposit in the related Rounding Account shall be, to the extent needed, withdrawn by the Trustee and applied to round upward to an integral multiple of $1,000 the aggregate distribution in reduction of the Class Certificate Principal Balance to be made on such Class of Certificates. Rounding of such distribution on such Class of Designated Retail Certificates shall be accomplished, on the first such Distribution Date, by withdrawing from the related Rounding Account the amount of funds, if any, needed to round the amount otherwise available for such distribution in reduction of the Class Certificate Principal Balance of such Certificates upward to the next integral multiple of $1,000. On each succeeding Distribution Date on which distributions in reduction of the Class Certificate Principal Balance of such Class of Designated Retail Certificates are to be made pursuant to Section 4.01(a), the aggregate amount of such distributions allocable to such Certificates shall be applied first to repay any funds withdrawn from the related Rounding Account and not previously repaid, and then the remainder of such allocable amount, if any, shall be similarly rounded upward to the next integral multiple of $1,000 and applied as distributions in reduction of the Class Certificate Principal Balance of the related Class of Certificates; this process shall continue on succeeding principal Distribution Dates prior to the Cross-Over Date until the Class Certificate Principal Balance of each such Class of Certificates has been reduced to zero. Each Rounding Account shall be maintained as a non-interest bearing account; the Rounding Accounts shall not be an asset of the Trust Fund, but shall be an asset in the REMIC. On the earlier of (1) the Cross-Over Date and (2) the first Distribution Date after the Class Certificate Principal Balance of any Class of Designated Retail Certificates has been reduced to zero, any remaining amounts in the related Rounding Account shall be distributed to the Class R Certificate.

(f) Notwithstanding any provisions herein to the contrary, on each Distribution Date coinciding with or after the Cross-Over Date, all distributions in reduction of the Class Certificate Principal Balance of any Class of Designated Retail Certificates will be made among the Holders and Certificate Owners of such Class of Certificates, pro rata, based on their Certificate Principal Balances, and will not be made in integral multiples of $1,000 or pursuant to requested distributions or mandatory distributions by Random Lot.

(g) In the event that Definitive Certificates representing any Class of Designated Retail Certificates are issued pursuant to Section 5.02(f), all requests for distributions or withdrawals of such requests relating to such Class must be submitted to the Trustee, and the Trustee shall perform the functions described in Section 4.10(a) through (d) using its own procedures, which procedures shall, to the extent practicable, be consistent with the procedures described in Section 4.10(a) through (d).

ARTICLE V

THE CERTIFICATES

Section 5.01. The Certificates. (a) The Certificates shall be substantially in the forms set forth in Exhibit A hereto, as applicable, and shall, on original issue, be executed by the Trustee, not in its individual capacity but solely as Trustee, and countersigned and delivered by the Trustee to or upon the order of the Company as provided in Article II.

(b) The Certificates shall be issued in an aggregate Initial Certificate Principal Balance of $343,555,635.39 Such aggregate original principal balance shall be divided among the Classes having the designations, Class Certificate Principal Balances, Certificate Interest Rates and minimum denominations as follows:

Designation

Initial Class
Certificate
Principal
Balance

Certificate
Interest
Rate

Minimum
Denominations

Class A1

$183,334,505.00

7.25%

$25,000

Class A2

1,804,701.00

0.00%

25,000

Class A3

17,964,986.00

7.50%

1,000

Class A4

1,900,000.00

7.50%

1,000

Class A5

2,823,000.00

7.50%

1,000

Class A6

1,927,100.00

7.50%

1,000

Class A7

1,391,750.00

7.50%

1,000

Class A8

950,000.00

7.50%

1,000

Class A9

1,000,000.00

(1)

1,000

Class A10

900,000.00

7.50%

1,000

Class A11

1,900,000.00

7.50%

1,000

Class A12

7,306,450.00

7.50%

1,000

Class A13

4,408,000.00

7.50%

1,000

Class A14

7,262,014.00

7.50%

1,000

Class A15

1,603,000.00

7.50%

1,000

Class A16

1,000,000.00

(1)

1,000

Class A17

34,355,500.00

7.25%

25,000

Class A18

29,837,494.00

7.25%

1,000

Class A19

24,621,364.00

7.25%

1,000

Class PO

2,664,557.58

0.00%

(2)

Class M

6,527,000.00

7.25%

100,000

Class B1

2,920,000.00

7.25%

100,000

Class B2

1,546,000.00

7.25%

100,000

Class B3

1,718,000.00

7.25%

500,000

Class B4

859,000.00

7.25%

(2)

Class B5

1,031,113.81

7.25%

500,000

Class S

(3)

(3)

(4)

Class R

100.00

7.25%

100

___________________

(1) The Certificate Interest Rate for each of the Class A9 and Class A16 Certificates will be 8.00% on all Distribution Dates to and including the Distribution Date in November 2002, and 7.50% on any Distribution Date in or after December 2002.

(2) This Class of Certificates will be issued as a single Certificate evidencing the entire Class Certificate Principal Balance of such Class.

(3) The Class S Certificates are issued with an initial Notional Principal Balance of $276,567,695.77 and shall bear interest at the Strip Rate.

(4) The Class S Certificates will be issued in minimum denominations of Notional Principal Balance of $25,000,000.

(c) The Certificates shall be issuable in registered form only. The Book-Entry Certificates will be evidenced by one or more certificates, beneficial ownership of which will be held in the minimum dollar denominations in Certificate Principal Balance or Notional Principal Balance, as applicable, specified in Section 5.01(b), and integral multiples of $1,000 in excess thereof. The Non-Book-Entry Certificates other than the Residual Certificate shall each be issued in the minimum dollar denominations in Certificate Principal Balance or Notional Principal Balance, as applicable, specified in Section 5.01(b), and integral multiples of $1,000 in excess thereof (and, if necessary, in the amount of the remaining Class Certificate Principal Balance or Notional Principal Balance, as applicable, of each Class, in the case of one Certificate of such Class). The Residual Certificate shall be issued as a single certificate evidencing the entire Class Certificate Principal Balance of such Class and having a Percentage Interest of 100%. If necessary, one Certificate of each Class of Book-Entry Certificates may evidence an additional amount equal to the remainder of the Class Certificate Principal Balance of such Class.

(d) The Certificates shall be executed by manual or facsimile signature on behalf of the Trustee by an authorized officer under its seal, which may be in facsimile form and be imprinted or otherwise reproduced thereon. 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 authentication and delivery of such Certificates or did not hold such offices 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 countersigned by the Trustee substantially in the forms set forth in Exhibit A hereto, and such countersignature upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly executed and delivered hereunder. All Certificates issued on the Closing Date shall be dated the Closing Date; all Certificates issued thereafter shall be dated the date of their countersignature.

(e) The Strip Rate for each Interest Accrual Period shall be determined by the Company and included in the Servicer's Certificate for the related Distribution Date.

Section 5.02. 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 or in the City of New York, New York 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.

Subject to Sections 5.02(b) and 5.02(c), upon surrender for registration of transfer of any Certificate at the Corporate Trust Office, the Trustee shall execute, authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of the same Class in authorized denominations of a like Percentage Interest.

At the option of a Certificateholder, Certificates may be exchanged for other Certificates of authorized denominations of a like Class and 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, countersign and deliver the Certificates which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for registration of transfer or exchange shall 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 his attorney duly authorized in writing.

No service charge shall be made for any registration of transfer or exchange of Certificates, but the Trustee may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

All Certificates surrendered for registration of transfer and exchange shall be canceled and subsequently destroyed by the Trustee and a certificate of destruction shall be delivered by the Trustee to the Company.

(b) No legal or beneficial interest in all or any portion of the Residual Certificates may be transferred directly or indirectly to (i) a Disqualified Organization or an agent of a Disqualified Organization (including a broker, nominee, or middleman), (ii) an entity that holds REMIC residual securities as nominee to facilitate the clearance and settlement of such securities through electronic book-entry changes in accounts of participating organizations (a "Book-Entry Nominee"), or (iii) an individual, corporation, partnership or other person unless such transferee (A) is not a Non-U.S. Person or (B) is a Non-U.S. Person that holds a Residual Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Trustee with an effective Internal Revenue Service Form 4224 or (C) is a Non-U.S. Person that has delivered to both the transferor and the Trustee an opinion of a nationally recognized tax counsel to the effect that the transfer of a Residual Certificate to it is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of a Residual Certificate will not be disregarded for federal income tax purposes (any such person who is not covered by clause (A), (B) or (C) above being referred to herein as a "Non-permitted Foreign Holder"), and any such purported transfer shall be void and have no effect. The Trustee shall not execute, and shall not authenticate and deliver, a Residual Certificate in connection with any transfer thereof unless the transferor shall have provided to the Trustee an affidavit, substantially in the form attached as Exhibit F hereto, signed by the transferee, to the effect that the transferee is not such a Disqualified Organization, an agent (including a broker, nominee, or middleman) for any entity as to which the transferee has not received a substantially similar affidavit, a Book-Entry Nominee or a Non-permitted Foreign Holder, which affidavit shall contain the consent of the transferee to any such amendments of this Agreement as may be required to further effectuate the foregoing restrictions on transfer of the Residual Certificates to Disqualified Organizations, Book-Entry Nominees or Non-permitted Foreign Holders, and an agreement by the Transferee that it will not transfer a Residual Certificate without providing to the Trustee an affidavit substantially in the form attached as Exhibit F hereto and a letter substantially in the form attached as Exhibit G hereto. Such affidavit shall also contain the statement of the transferee that (i) it does not have the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to the Residual Certificates and (ii) it understands that it may incur tax liabilities in excess of cash flows generated by a Residual Certificate and that it intends to pay taxes associated with holding a Residual Certificate as they become due.

The affidavit described in the preceding paragraph, if not executed in connection with the initial issuance of the Residual Certificates, shall be accompanied by a written statement in the form attached as Exhibit G hereto, signed by the transferor, to the effect that as of the time of the transfer, the transferor has (i) no actual knowledge that the transferee is a Disqualified Organization, Book-Entry Nominee or Non-permitted Foreign Holder, (ii) no reason to believe that the transferee has the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to a Residual Certificate, and (iii) conducted a reasonable investigation and found that the transferee had historically paid its debts as they came due and found no significant evidence to indicate that the transferee will not continue to pay its debts as they become due. The Residual Certificates shall bear a legend referring to the foregoing restrictions contained in this paragraph and the preceding paragraph.

Upon notice to the Company that any legal or beneficial interest in any portion of the Residual Certificates has been transferred, directly or indirectly, to a Disqualified Organization or agent thereof (including a broker, nominee, or middleman) in contravention of the foregoing restrictions, (i) such transferee shall be deemed to hold the Residual Certificate in constructive trust for the last transferor who was not a Disqualified Organization or agent thereof, and such transferor shall be restored as the owner of such Residual Certificate as completely as if such transfer had never occurred, provided that the Company may, but is not required to, recover any distributions made to such transferee with respect to the Residual Certificate and return such recovery to the transferor, and (ii) the Company agrees to furnish to the Internal Revenue Service and to any transferor of the Residual Certificate or such agent (within 60 days of the request therefor by the transferor or agent) such information necessary to the application of section 860E(e) of the Code as may be required by the Code, including but not limited to the present value of the total anticipated excess inclusions with respect to the Residual Certificate (or portion thereof) for periods after such transfer. At the election of the Company, the cost to the Company of computing and furnishing such information may be charged to the transferor or such agent referred to above; however, the Company shall in no event be excused from furnishing such information.

The restrictions on transfers of the Residual Certificates set forth in the preceding three paragraphs shall cease to apply to transfers (and the applicable portions of the legend to the Residual Certificates may be deleted) after delivery to the Trustee of an Opinion of Counsel to the effect that the elimination of such restrictions will not cause the REMIC established hereunder to fail to qualify as a REMIC at any time that the Certificates are outstanding.

No transfer of a Restricted Certificate shall be made unless such transfer is made pursuant to an effective registration statement under the Securities Act of 1933, as amended (the "Act"), and any applicable state securities laws, in each case as evidenced by an Officer's Certificate, or is exempt from the registration requirements of the Act and any applicable state securities laws. In the event of such registration, any restrictive legends set forth in the form of the relevant Restricted Certificate in Exhibit A hereto with respect to the Act and state securities law restrictions shall be removed by the Trustee upon request of the Holder thereof and automatically upon exchange or registration of transfer thereof. As a condition to any transfer that is to be made in reliance upon an exemption from the Act and such laws of a (i) Class PO or Class S Certificate or (ii) Restricted Junior Certificate to any person other than a QIB (as certified by the proposed transferee in the form of assignment attached to the related Certificate), either (x) the Trustee shall require the transferee to execute an investment letter in the form substantially as set forth in Exhibit I hereto or in such other form as may be acceptable to the Trustee, certifying as to the facts surrounding such transfer, or (y) in lieu of such investment letter, the Trustee may accept a written Opinion of Counsel (in form and substance acceptable to the Trustee) that such proposed transfer may be made pursuant to an exemption from the Act. As an additional condition to any transfer of a Restricted Certificate, either (i) the transferor and the transferee shall complete the form of assignment attached to the Certificate proposed to be transferred, or (ii) the Trustee shall have received the above-referenced Opinion of Counsel. The holder of any Restricted Certificate desiring to effect the transfer thereof to a person other than a QIB shall, and hereby agrees to, comply with any applicable conditions set forth in the preceding two sentences and indemnify the Trustee and the Company against any liability that may result if the transfer thereof is not so exempt or is not made in accordance with such federal and state laws. Such agreement to so indemnify the Trustee and the Company shall survive the termination of this Agreement. Notwithstanding the foregoing, no Opinion of Counsel or investment letter shall be required upon the original issuance of (i) the Restricted Junior Certificates to the Initial Purchaser (as defined in the Private Placement Memorandum) or its nominee and (ii) the Class PO or Class S Certificates to the Company or upon any subsequent transfer of any Class PO or Class S Certificate by the Company, provided that if any Restricted Junior Certificates are, at the request of the Initial Purchaser, registered in the name of its nominee, the Initial Purchaser shall be deemed to acknowledge and agree with the Company and the Trustee that no transfer of a beneficial interest in such Certificates will be made without registering such Certificates in the name of the transferee, which shall be a Person other than such nominee. Any opinion or letter required pursuant to this paragraph shall not be at the expense of the Trust Fund or the Trustee.

(c) (i) No transfer of an ERISA-Restricted Certificate in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (A) a certificate (substantially in the form of Exhibit E or such other form as is acceptable to the Company and the Trustee) from such transferee to the effect that such transferee (i) is not a Plan or a Person that is using the assets of a Plan to acquire such ERISA-Restricted Certificate or (ii) is an insurance company investing assets of its general account and the exemptions provided by Section III(a) of Department of Labor Prohibited Transaction Class Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemptions") apply to the transferee's acquisition and holding of any ERISA-Restricted Certificate or (B) an opinion of counsel satisfactory to the Trustee and the Company to the effect that the purchase and holding of such a Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" subject to the prohibited transactions provisions of ERISA or Section 4975 of the Code and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of an ERISA-Restricted Certificate by a Plan or a Person that is purchasing or holding such a Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975 of the Code. The preparation and delivery of the certificate and opinions referred to above shall not be an expense of the Trust Fund, the Trustee or the Company. Notwithstanding the foregoing, no opinion or certificate shall be required for the initial issuance of the ERISA-Restricted Certificates.

(ii) No transfer of a Residual Certificate shall be made to any Person unless the Trustee has received a certification (substantially in the form of paragraph 4 of Exhibit F) from such transferee to the effect that, among other things, such transferee is not a Plan or a Person that is using the assets of a Plan to acquire any such Certificate. The preparation and delivery of such certificate shall not be an expense of the Trust Fund, the Trustee or the Company.

(d) Subject to Section 8.01(i) hereof, the Trustee may conclusively rely upon any certificate, affidavit or opinion delivered pursuant to Section 5.02(b) or (c). Any certificate or affidavit required to be delivered by a transferee under this Section 5.02 may be executed and delivered in the name of such transferee by its attorney-in-fact duly authorized in writing in form and substance satisfactory to the Trustee.

(e) Except as to any additional Certificate of any Class of Book-Entry Certificates held in physical certificated form pursuant to Section 5.02(g) or any Restricted Junior Certificate of any Class of Book-Entry Certificates that is transferred to an entity other than a QIB, the Book-Entry Certificates shall, subject to Section 5.02(f), at all times remain registered in the name of the Depository or its nominee and at all times: (i) registration thereof may not be transferred by the Trustee except to another Depository; (ii) the Depository shall maintain book-entry records with respect to the Certificate Owners and with respect to ownership and transfers of such Certificates; (iii) ownership and transfers of registration of the Certificates issued in book-entry form on the books of the Depository shall be governed by applicable rules established by the Depository and the rights of Certificate Owners with respect to Book-Entry Certificates shall be governed by applicable law and agreements between such Certificate Owners and the Depository, Depository Participants, and indirect participating firms; (iv) the Depository may collect its usual and customary fees, charges and expenses from its Depository Participants; (v) the Trustee shall deal with the Depository, Depository Participants and indirect participating firms as authorized representatives of the Certificate Owners of the Certificates issued in book-entry form for all purposes including the making of payments due on the Book-Entry Certificates and exercising the rights of Holders under this Agreement, and requests and directions for and votes of such representatives shall not be deemed to be inconsistent if they are made with respect to different Certificate Owners; (vi) 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; (vii) Certificate Owners shall not be entitled to certificates for the Book-Entry Certificates and (viii) the Trustee may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and give notice to the Depository of such record date.

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. Except as provided herein, the Trustee shall have no duty to monitor or restrict the transfer of Certificates or interests therein, and shall have no liability for any transfer, including any transfer made through the book-entry facilities of the Depository or between or among Depository Participants or Certificate Owners, made in violation of applicable restrictions set forth herein, except in the event of the failure of the Trustee to perform its duties and fulfill its obligations under this Agreement.

(f) If (x)(i) the Company or the Depository advises the Trustee in writing that the Depository is no longer willing, qualified or able to properly discharge its responsibilities as Depository, and (ii) the Trustee or the Company is unable to locate a qualified successor, (y) the Company at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository or (z) after the occurrence of an Event of Default, Certificate Owners representing not less than 51% of the aggregate Voting Rights allocated to the Book-Entry Certificates together advise the Trustee and the Depository through the Depository Participants in writing that the continuation of a book-entry system through the Depository is no longer in the best interests of the Certificate Owners, the Trustee shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of Definitive Certificates to Certificate Owners requesting the same. Upon surrender to the Trustee of such Certificates by the Depository, accompanied by registration instructions from the Depository for registration, the Trustee shall issue the Definitive Certificates. Neither the Company nor the Trustee shall be liable for any delay in delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates all references herein to obligations imposed upon or to be performed by the Depository shall be deemed to be imposed upon and performed by the Trustee, to the extent applicable with respect to such Definitive Certificates and the Trustee shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder.

(g) On or prior to the Closing Date, there shall be delivered to the Depository (or to State Street Bank and Trust Company acting as custodian for the Depository pursuant to the Depository's procedures) one certificate for each Class of Book-Entry Certificates registered in the name of the Depository's nominee, Cede & Co. The face amount of each such Certificate shall represent 100% of the initial Class Certificate Principal Balance thereof, except for such amount that does not constitute an acceptable denomination to the Depository. An additional Certificate of each Class of Book-Entry Certificates may be issued evidencing such remainder and, if so issued, will be held in physical certificated form by the Holders thereof. Each Certificate issued in book-entry form shall bear the following legend:

"Unless this Certificate is presented by an authorized representative of The Depository Trust Company, a New York corporation ("DTC"), to Issuer 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 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."

Section 5.03. 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 Company, the Certificate Registrar and the Trustee such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Certificate Registrar or the Trustee that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute, countersign 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. In connection with the issuance of any new Certificate under this Section 5.03, the Trustee may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee and the Certificate Registrar) connected therewith. Any duplicate Certificate issued pursuant to this Section 5.03 shall constitute complete and indefeasible evidence of ownership in the Trust Fund, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time.

Section 5.04. Persons Deemed Owners. Prior to due presentation of a Certificate for registration of transfer, the Company, the Trustee, the Certificate Registrar and any agent of the Company, 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 4.01 and for all other purposes whatsoever, and neither the Company, the Trustee, the Certificate Registrar nor any agent of the Company, the Trustee or the Certificate Registrar shall be affected by any notice to the contrary.

Section 5.05. Access to List of Certificateholders' Names and Addresses. The Certificate Registrar will furnish or cause to be furnished to the Company, within 15 days after receipt by the Certificate Registrar of request therefor from the Company in writing, a list, in such form as the Company 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 (hereinafter referred to as "applicants") 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 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 a Certificate, 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 5.06. Representation of Certain Certificateholders. The fiduciary of any Plan which becomes a Holder of a Certificate, by virtue of its acceptance of such Certificate, will be deemed to have represented and warranted to the Trustee and the Company that such Plan is an "accredited investor" as defined in Rule 501(a)(1) of Regulation D promulgated by the Securities and Exchange Commission under the Securities Act of 1933.

Section 5.07. Determination of COFI. (a) If the outstanding Certificates include any COFI Certificates, then on each COFI Determination Date the Trustee shall determine the value of COFI on the basis of the most recently available Information Bulletin referred to in the definition of "COFI". The establishment of COFI by the Trustee and the Trustee's subsequent calculation of the rates of interest applicable to the COFI Certificates for each Interest Accrual Period shall (in the absence of manifest error) be final and binding. During each Interest Accrual Period, the Certificate Interest Rate for the COFI Certificates for the current and immediately preceding Interest Accrual Period shall be made available by the Trustee to Certificate Owners and Certificateholders at the following telephone number: (617) 664-5500.

(b) The failure by the Federal Home Loan Bank of San Francisco to publish COFI for a period of 65 calendar days will constitute an "Alternative Rate Event" for purposes hereof. Upon the occurrence of an Alternative Rate Event, the Company will calculate the Certificate Interest Rates for the COFI Certificates for the subsequent Interest Accrual Periods by using, in place of COFI, (i) the replacement index, if any, published or designated by the Federal Home Loan Bank of San Francisco or (ii) if no replacement index is so published or designated, an alternative index to be selected by the Company that has performed, or that the Company expects to perform, in a manner substantially similar to COFI. At the time an alternative index is first selected by the Company, the Company shall determine the average number of basis points, if any, by which the alternative index differed from COFI for such period as the Company, in its sole discretion, reasonably determines to reflect fairly the long-term difference between COFI and the alternative index, and shall adjust the alternative index by such average. The Company shall select a particular index as an alternative only if it receives an Opinion of Counsel to the effect that the selection of such index will not cause any REMIC established hereunder to fail to qualify as a REMIC for federal income tax purposes. In the absence of manifest error, the selection of any alternative index as provided by this Section 5.07(b) shall be final and binding for each subsequent Interest Accrual Period. Upon the occurrence of an Alternative Rate Event, the Trustee shall have no responsibility for the determination of any alternative index or the calculation of the Certificate Interest Rates for the COFI Certificates.

(c) If at any time after the occurrence of an Alternative Rate Event the Federal Home Loan Bank of San Francisco resumes publication of COFI, the Certificate Interest Rates for the COFI Certificates for each Interest Accrual Period commencing thereafter will be calculated by reference to COFI.

Section 5.08. Determination of LIBOR. (a) If the outstanding Certificates include any LIBOR Certificates, then on each LIBOR Determination Date the Trustee shall determine LIBOR for the related Interest Accrual Period as such rate equal to the Interest Settlement Rate. If such rate does not appear on the Designated Telerate Page as of 11:00 a.m., London time, on the applicable LIBOR Determination Date:

(i) The Trustee will request the principal London office of each Reference Bank (as defined in Section 5.08(e)) to provide such bank's offered quotation (expressed as a percentage per annum) to prime banks in the London interbank market for one-month U.S. Dollar deposits as of 11:00 a.m., London time, on the applicable LIBOR Determination Date.

(ii) If on any LIBOR Determination Date, two or more of the Reference Banks provide such offered quotations, LIBOR for the next Interest Accrual Period will be the arithmetic mean of such offered quotations (rounding such arithmetic mean upwards, if necessary, to the nearest whole multiple of 1/16%). If on any LIBOR Determination Date only one or none of the Reference Banks provide such offered quotations, LIBOR for the next Interest Accrual Period will be the rate per annum the Trustee determines to be the arithmetic mean (rounding such arithmetic mean upwards, if necessary, to the nearest whole multiple of 1/16%) of the one-month Eurodollar lending rate that three major banks in New York City selected by the Trustee are quoting as of approximately 11:00 a.m., New York City time, on the first day of the applicable Interest Accrual Period.

(iii) If on any LIBOR Determination Date the Trustee is required but unable to determine LIBOR in the manner provided in subparagraph (ii) of this Section 5.08(a), LIBOR for the next Interest Accrual Period will be LIBOR as determined on the previous LIBOR Determination Date, or, in the case of the first LIBOR Determination Date, the Initial LIBOR Rate.

(b) The establishment of LIBOR by the Trustee and the Trustee's subsequent calculation of the Certificate Interest Rates applicable to the LIBOR Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding.

(c) Within five Business Days of the Trustee's calculation of the Certificate Interest Rates of the LIBOR Certificates, the Trustee shall furnish to the Company by telecopy (or by such other means as the Trustee and the Company may agree from time to time) such Certificate Interest Rates.

(d) The Trustee shall provide to Certificateholders who inquire of it by telephone the Certificate Interest Rates of the LIBOR Certificates for the current and immediately preceding Interest Accrual Period.

(e) As used herein, "Reference Banks" shall mean no more than four leading banks engaged in transactions in Eurodollar deposits in the international Eurocurrency market (i) with an established place of business in London, England, (ii) whose quotations appear on the display designated "LIBO" on the Reuters Monitor Money Rates Service (the "Reuters Screen LIBO Page") on the applicable LIBOR Determination Date and (iii) which have been designated as such by the Trustee and are able and willing to provide such quotations to the Trustee on each LIBOR Determination Date. The Reference Banks initially shall be: Barclay's plc, Bank of Tokyo, National Westminster Bank and Trust Company and Bankers Trust Company. If any of the initial Reference Banks should be removed from the Reuters Screen LIBO Page or in any other way fail to meet the qualifications of a Reference Bank, or if such page is no longer published, the Trustee, after consultation with the Company, shall use its best efforts to designate alternate Reference Banks.

ARTICLE VI

THE COMPANY

Section 6.01. Liability of the Company. The Company shall be liable in accordance herewith only to the extent of the obligations specifically imposed upon and undertaken by the Company herein.

Section 6.02. Merger or Consolidation of, or Assumption of the Obligations of, the Company. Any corporation into which the Company may be merged or consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Company shall be a party, or any corporation succeeding to the business of the Company, or any corporation, more than 50% of the voting stock of which is, directly or indirectly, owned by General Electric Company, or any limited partnership, the sole general partner of which is either the Company or a corporation, more than 50% of the voting stock of which is owned, directly or indirectly, by General Electric Company, which executes an agreement of assumption to perform every obligation of the Company hereunder, shall be the successor of the Company hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding.

Section 6.03. Assignment. The Company may assign its rights and delegate its duties and obligations as servicer under this Agreement; provided, that (i) the purchaser or transferee accepting such assignment or delegation is qualified to service mortgage loans for FNMA or FHLMC, is reasonably satisfactory to the Trustee 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 Company as servicer hereunder from and after the date of such agreement and (ii) each Rating Agency's rating of any Classes of Certificates in effect immediately prior to such assignment or delegation would not be qualified, downgraded or withdrawn as a result thereof. In the case of any such assignment or delegation, the Company will be released from its obligations as servicer hereunder except for liabilities and obligations as servicer incurred prior to such assignment or delegation.

Section 6.04. Limitation on Liability of the Company and Others. Neither the Company nor any of the directors or officers or employees or agents of the Company shall be under any liability to the Trust Fund or the Certificateholders for any action taken or for refraining from the taking of any action by the Company pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Company 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 of the Company or by reason of reckless disregard of obligations and duties of the Company hereunder. The Company and any director or officer or employee or agent of the Company 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 Company and any director or officer or employee or agent of the Company shall be indemnified by the Trust Fund 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. The Company shall be under no obligation to appear in, prosecute or defend any legal action which is not incidental to its duties to service the Mortgage Loans in accordance with this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Company may in its sole discretion undertake any such action which it may deem necessary or desirable in respect of this Agreement, and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund and the Company shall be entitled to be reimbursed therefor from amounts credited to the Mortgage Loan Payment Record as provided by Section 3.04.

Section 6.05. The Company Not to Resign. Subject to the provisions of Sections 6.02 and 6.03, the Company shall not resign from the obligations and duties hereby imposed on it except upon determination that the performance of its duties hereunder is no longer permissible under applicable law. Any such determination permitting the resignation of the Company shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No such resignation shall become effective until the Trustee or a successor servicer shall have assumed the responsibilities and obligations of the Company in accordance with Section 7.02.

ARTICLE VII

DEFAULT

Section 7.01. Events of Default. If any one of the following events ("Events of Default") shall occur and be continuing:

(i) Any failure by the Company to make any payment to the Trustee of funds pursuant to Section 3.02(d) out of which distributions to Certificateholders of any Class are required to be made under the terms of the Certificates and this Agreement which failure continues unremedied for a period of three Business Days after the date upon which written notice of such failure shall have been given to the Company by the Trustee or to the Company and the Trustee by Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%; or

(ii) Failure on the part of the Company duly to observe or perform in any material respect any other covenants or agreements of the Company set forth in the Certificates or in this Agreement, which covenants and agreements (A) materially affect the rights of Certificateholders and (B) continue unremedied for a period of 60 days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Company by the Trustee, or to the Company and the Trustee by the Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%; or

(iii) 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 of or relating to the Company, or for the winding up or liquidation of the Company's affairs, and the continuance of any such decree or order unstayed and in effect for a period of 60 consecutive days; or

(iv) The consent by the Company 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 Company or of or relating to substantially all of its property; or the Company 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;

then, and in each and every such case, so long as an Event of Default shall not have been remedied by the Company, either the Trustee, or the Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 51%, by notice then given in writing to the Company (and to the Trustee if given by the Certificateholders) may terminate all of the rights and obligations of the Company as servicer under this Agreement. On or after the receipt by the Company of such written notice, all authority and power of the Company 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 7.01; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Company, 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 Company agrees to cooperate with the Trustee in effecting the termination of the responsibilities and rights of the Company hereunder, including, without limitation, the transfer to the Trustee for the administration by it of all cash amounts that shall at the time be held by the Company and that have been or should have been credited by it to the Mortgage Loan Payment Record, or that have been deposited by the Company in the Certificate Account or are thereafter received by the Company with respect to the Mortgage Loans. In addition to any other amounts which are then, or, notwithstanding the termination of its activities as servicer, may become, payable to the Company under this Agreement, the Company shall be entitled to receive out of any delinquent payment on account of interest on a Mortgage Loan, due during the period prior to the notice pursuant to this Section 7.01 which terminates the obligation and rights of the Company hereunder and received after such notice, that portion of such payment which it would have been entitled to retain pursuant to Section 3.04(vi) if such notice had not been given.

Section 7.02. Trustee to Act; Appointment of Successor. (a) On and after the time the Company receives a notice of termination pursuant to Section 7.01, the Trustee shall be the successor in all respects to the Company in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall succeed to all the rights of and be subject to all the responsibilities, duties and liabilities relating thereto placed on the Company in its capacity as servicer by the terms and provisions hereof; provided, however, that the responsibilities and duties of the Company pursuant to Sections 2.02 and 2.03(a) and, if the Trustee is prohibited by law or regulation from making Monthly Advances, the responsibility to make Monthly Advances pursuant to Section 4.04, shall not be the responsibilities, duties or obligations of the Trustee; and provided further, that any failure of the Trustee to perform such duties and responsibilities that is caused by the Company's failure to cooperate with the Trustee as required by Section 7.01 shall not be considered a default by the Trustee hereunder. As compensation therefor, the Trustee shall, except as provided in Section 7.01, be entitled to such compensation as the Company 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 approved to service mortgage loans for either FNMA or FHLMC, having a net worth of not less than $10,000,000, as the successor to the Company hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Company hereunder. Pending appointment of a successor to the Company pursuant to this Article VII, unless the Trustee is prohibited by law from so acting, the Trustee shall act in such capacity as hereinabove provided. In connection with such appointment and assumption, the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted the Company hereunder. The Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession.

(b) Any successor, including the Trustee, to the Company as servicer pursuant to this Article VII 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 Company is so required pursuant to Section 3.15.

Section 7.03. Notification to Certificateholders. Upon any termination or appointment of a successor to the Company pursuant to this Article VII, the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the Certificate Register.

ARTICLE VIII

THE TRUSTEE

Section 8.01. Duties of Trustee. The Trustee, prior to the occurrence of an Event of Default and after the curing 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. If an Event of Default has occurred (which has not been cured), 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 their exercise, as a prudent person would exercise or use under the circumstances in the conduct of his or her 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.

No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own misconduct; provided, however, that:

(i) Prior to the occurrence of an Event of Default, and after the curing 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 and conforming to the requirements of this Agreement;

(ii) The Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer of the Trustee, unless it shall be proved that the Trustee was negligent in performing its duties in accordance with the terms of this Agreement;

(iii) The Trustee 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 the Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%, relating to 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; and

(iv) The Trustee shall not be charged with knowledge of (A) any failure by the Company to comply with the obligations of the Company referred to in clauses (i) and (ii) of Section 7.01, (B) the rating downgrade referred to in the definition of "Trigger Event" or (C) any failure by the Company to comply with the obligations of the Company to record the assignments of Mortgages referred to in Section 2.01 unless a Responsible Officer of the Trustee at the Corporate Trust Office obtains actual knowledge of such failures, occurrence or downgrade or the Trustee receives written notice of such failures, occurrence or downgrade from the Company or the Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%.

Subject to any obligation of the Trustee to make Monthly Advances as provided herein, the Trustee shall not be required to expend or risk its own funds or otherwise incur financial liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers, if there is reasonable ground for believing that the repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it, and none of the provisions contained in this Agreement shall in any event require the Trustee to perform, or be responsible for the manner of performance of, any of the obligations of the Company under this Agreement, except during such time, if any, as the Trustee shall be the successor to, and be vested with the rights, duties, powers and privileges of, the Company in accordance with the terms of this Agreement.

Section 8.02. Certain Matters Affecting the Trustee. Except as otherwise provided in Section 8.01:

(i) The Trustee may conclusively rely 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 rights 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 obligations, upon the occurrence of an Event of Default (which has not been cured), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent person would exercise or use under the circumstances in the conduct of his or her 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 and after the curing 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 documents, unless requested in writing so to do by Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%; 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 cost, expense or liability as a condition to such proceeding. The reasonable expense of every such investigation shall be paid by the Company or, if paid by the Trustee, shall be reimbursed by the Company upon demand. Nothing in this clause (v) shall derogate from the obligation of the Company to observe any applicable law prohibiting disclosure of information regarding the Mortgagors; 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 or a custodian.

Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained herein and in the Certificates (other than the signature and countersignature of the Trustee on the Certificates) shall be taken as the statements of the Company, and the Trustee assumes no responsibility for the correctness of the same. The Trustee makes no representations as to the validity or sufficiency of this Agreement or of the Certificates (other than the signature and countersignature of the Trustee on the Certificates) or of any Mortgage Loan or related document. The Trustee shall not be accountable for the use or application by the Company of any of the Certificates or of the proceeds of such Certificates, or for the use or application of any funds paid to the Company in respect of the Mortgage Loans or deposited in or withdrawn from the Certificate Account by the Company.

Section 8.04. 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 as it would have if it were not Trustee.

Section 8.05. The Company to Pay Trustee's Fees and Expenses. The Company covenants and agrees to pay to the Trustee from time to time, and the Trustee shall be entitled to, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) for all services rendered by it in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee, and the Company will pay or reimburse the Trustee upon its request for all reasonable expenses, disbursements and advances (including any Monthly Advances of the Trustee not previously reimbursed thereto pursuant to Section 3.04) incurred or made by the Trustee in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ) except any such expense, disbursement or advance as may arise from its negligence or bad faith or which is the responsibility of Certificateholders hereunder. In addition, the Company covenants and agrees to indemnify the Trustee from, and hold it harmless against, any and all losses, liabilities, damages, claims or expenses other than those resulting from the negligence or bad faith of the Trustee. From time to time, the Trustee may request that the Company debit the Mortgage Loan Payment Record pursuant to Section 3.04 to reimburse the Trustee for any Monthly Advances and Nonrecoverable Advances.

Section 8.06. Eligibility Requirements for Trustee. The Trustee hereunder shall at all times be a corporation having its principal office either in the State of New York or in the same state as that in which the initial Trustee under this Agreement has its principal office and organized and doing business under the laws of such State or the United States of America, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of at least $50,000,000 and subject to supervision or examination by federal or state authority. If such corporation 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 8.06, the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. The Trustee shall not be an affiliate of the Company. In case at any time the Trustee shall cease to be eligible in accordance with the provisions of this Section 8.06, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.07.

Section 8.07. Resignation or Removal of Trustee. The Trustee may at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Company. Upon receiving such notice of resignation, the Company shall promptly appoint a 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 having 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 the conditions in any of the following clauses (i), (ii) or (iii) shall occur at any time, the Company may remove the Trustee: (i) the Trustee shall cease to be eligible in accordance with the provisions of Section 8.06 and shall fail to resign after written request therefor by the Company; (ii) the Trustee shall be legally unable to act, 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; or (iii) the replacement of the Trustee with a successor Trustee will enable the Company to avoid (and should, based on the information included in the notice referred to below, result in the avoidance of) a downgrading of the ratings assigned to the Certificates by the Rating Agencies (whether or not other actions could avoid such downgrading) and no Event of Default, as provided by Section 7.01 hereof, shall have occurred or be continuing; provided, however, that no action shall be taken pursuant to this clause (iii) unless reasonable notice shall have been provided to the Trustee, which notice shall set forth the basis for any rating downgrade as contemplated by the Rating Agencies and shall also indicate the manner in which such proposed action is intended to avoid such downgrade. If it removes the Trustee under the authority of the immediately preceding sentence, the Company shall promptly 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 trustee.

Any resignation or removal of the Trustee and appointment of a successor Trustee pursuant to any of the provisions of this Section 8.07 shall not become effective until acceptance of appointment by the successor Trustee as provided in Section 8.08.

Section 8.08. Successor Trustee. Any successor Trustee appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Company 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. The predecessor Trustee shall deliver to the successor Trustee all Mortgage Files and related documents and statements held by it hereunder; and the Company and the predecessor Trustee shall execute and deliver such instruments and do such other things as may reasonably be required for fully and certainly vesting and confirming in the successor Trustee all such rights, powers, duties and obligations.

No successor Trustee shall accept appointment as provided in this Section 8.08 unless at the time of such acceptance such successor Trustee shall be eligible under the provisions of Section 8.06.

Upon acceptance of appointment by a successor Trustee as provided in this Section 8.08, the Company shall mail notice of the succession of such Trustee hereunder to all holders of Certificates at their addresses as shown in the Certificate Register. If the Company fails to mail such notice within 10 days after acceptance of appointment by the successor Trustee, the successor Trustee shall cause such notice to be mailed at the expense of the Company.

Section 8.09. Merger or Consolidation of Trustee. Any corporation into which the Trustee may be merged or converted or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation succeeding to the corporate trust business of the Trustee, shall be the successor of the Trustee hereunder, provided that such corporation shall be eligible under the provisions of Section 8.06, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding.

Section 8.10. Appointment of Co-Trustee or Separate Trustee. Notwithstanding any other provisions of this Agreement, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Fund or property securing any Mortgage Note may at the time be located, the Company 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 to act as co-trustee or co-trustees, jointly with the Trustee, of all or any part of the Trust Fund, or separate trustee or separate trustees of any part of the Trust Fund, and to vest in such Person or Persons, in such capacity and for the benefit of the Certificateholders, such title to the Trust Fund, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Company and the Trustee may consider necessary or desirable. If the Company shall not have joined in such appointment within 15 days after the receipt by it of a request so to do, or in case an Event of Default shall have occurred and be continuing, 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 8.06 and no notice to Certificateholders of the appointment of any co-trustee or separate trustee shall be required under Section 8.08.

Every separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions and conditions:

(i) 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 (it being understood that such separate trustee or co-trustee is not authorized to act separately without the Trustee joining in such act), 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 Company 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 Fund or any portion thereof in any such jurisdiction) shall be exercised and performed singly by such separate trustee or co-trustee, but solely at the direction of the Trustee;

(ii) No trustee hereunder shall be held personally liable by reason of any act or omission of any other trustee hereunder; and

(iii) The Company and the Trustee acting jointly may at any time accept the resignation of or remove any separate trustee or co-trustee.

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 VIII. 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 and a copy thereof given to the Company.

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 die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor trustee.

Section 8.11. Compliance with REMIC Provisions; Tax Returns. The Trustee shall at all times act in such a manner in the performance of its duties hereunder as shall be necessary to prevent the Trust Fund from failing to qualify as a REMIC and to prevent the imposition of a tax on the Trust Fund or the REMIC established hereunder. The Trustee, upon request, will furnish the Company with all such information within its possession as may be reasonably required in connection with the preparation of all tax returns of the Trust Fund and any Reserve Fund, and shall, upon request, execute such returns.

ARTICLE IX

TERMINATION

Section 9.01. Termination upon Repurchase by the Company or Liquidation of All Mortgage Loans. Subject to Section 9.02, the respective obligations and responsibilities of the Company and the Trustee created hereby (other than the obligation of the Trustee to make certain payments to Certificateholders after the final Distribution Date and the obligation of the Trustee to send certain notices as hereinafter set forth) shall terminate upon the last action required to be taken by the Trustee on the final Distribution Date pursuant to this Article IX following the earlier of (a) the repurchase by the Company of all Mortgage Loans and all REO Mortgage Loans remaining in the Trust Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than any REO Mortgage Loans described in the following clause) as of the first day of the month in which such purchase price is to be distributed to Certificateholders plus accrued and unpaid interest thereon at the applicable Net Mortgage Rate (less any amounts constituting previously unreimbursed Monthly Advances) to the first day of the month in which such purchase price is to be distributed to Certificateholders and (y) the appraised value of any REO Mortgage Loan (less the good faith estimate of the Company of Liquidation Expenses to be incurred in connection with its disposal thereof), such appraisal to be conducted by an appraiser mutually agreed upon by the Company and the Trustee, and (b) the later of the final payment or other liquidation (or any Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund or the disposition of all property acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage Loan; provided, however, that in no event shall the Trust Fund created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States of America to the Court of St. James's, living on the date of this Agreement. The right of the Company to repurchase all Mortgage Loans pursuant to clause (a) above shall be conditioned upon the aggregate of the Scheduled Principal Balance of the Outstanding Mortgage Loans, at the time of any such repurchase, aggregating less than 10 percent of the aggregate of the Scheduled Principal Balance of the Mortgage Loans as of the Cut-off Date.

Notice of any termination, specifying the Distribution Date upon which the Certificateholders may surrender their Certificates to the Trustee for payment of the final distribution and cancellation, shall be given promptly by the Trustee 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 (A) the Distribution Date upon which final payment of the Certificates will be made upon presentation and surrender of the Certificates at the office of the Trustee therein designated, (B) the amount of any such final payment and (C) that the Record Date otherwise applicable to such Distribution Date is not applicable, payments being made only upon presentation and surrender of the Certificates at the office of the Trustee therein specified. The Trustee shall give such notice to the Certificate Registrar at the time such notice is given to Certificateholders. In the event such notice is given in connection with the exercise by the Company of its right of repurchase, the Company shall deposit in the Certificate Account not later than 11:00 a.m. on the Business Day prior to the final Distribution Date in next-day funds an amount equal to the price described above. Upon presentation and surrender of the Certificates, the Trustee shall cause to be distributed to Certificateholders an amount equal to the price calculated as above provided, any such repurchase being in lieu of the distribution otherwise required to be made on the Distribution Date upon which the repurchase is effected. Upon certification to the Trustee by a Servicing Officer following such final deposit, the Trustee shall promptly release to the Company the Mortgage Files for the repurchased Mortgage Loans.

On the final Distribution Date, the Trustee shall distribute amounts on deposit in the Certificate Account and, if applicable, in the Class A9 Interest Account, Class A16 Interest Account and in any Rounding Account, in accordance with the applicable priorities and uses provided by Sections 4.01 and 4.10. Distributions on each Certificate shall be made on the final Distribution Date in the manner specified in Section 4.02 but only upon presentation and surrender of the Certificates.

In the event that all of the Certificateholders shall not surrender their Certificates for cancellation within six months after the date specified in the above-mentioned written notice, the Trustee shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within one year after the second notice all the 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 and other assets which remain subject hereto.

Section 9.02. Additional Termination Requirements. (a) In the event the Company exercises its purchase option as provided in Section 9.01, the Trust Fund and the REMIC established hereunder shall be terminated in accordance with the following additional requirements, unless the Trustee has been supplied with an Opinion of Counsel to the effect that the failure to comply with the requirements of this Section 9.02 will not (i) result in the imposition of taxes on "prohibited transactions" of any such REMIC as defined in section 860F of the Code, or (ii) cause the Trust Fund to fail to qualify as a REMIC at any time that any Certificates are outstanding:

(i) Within 90 days prior to the final Distribution Date set forth in the notice given by the Trustee under Section 9.01, the Company shall prepare and the Trustee shall execute and adopt a plan of complete liquidation for such REMIC within the meaning of section 860F(a)(4)(A)(i) of the Code, which shall be evidenced by such notice; and

(ii) Within 90 days after the time of adoption of such a plan of complete liquidation, the Trustee shall sell all of the assets of the Trust Fund to the Company for cash in accordance with Section 9.01.

(b) By their acceptance of the Residual Certificates, the Holders thereof hereby authorize the Trustee to adopt such a plan of complete liquidation which authorization shall be binding on all successor Holders of the Residual Certificates.

(c) On the final federal income tax return for the REMIC established hereunder, the Trustee will attach a statement specifying the date of the adoption of the plan of liquidation.

ARTICLE X

MISCELLANEOUS PROVISIONS

Section 10.01. Amendment. This Agreement may be amended from time to time by the Company and the Trustee, without the consent of any of the Certificateholders, to cure any ambiguity, to correct or supplement any provisions herein or therein which may be defective or inconsistent with any other provisions herein, or to surrender any right or power herein conferred upon the Company, or to add 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, however, that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder. Notwithstanding the foregoing, without the consent of the Certificateholders, the Trustee and the Company may at any time and from time to time amend this Agreement to modify, eliminate or add to any of its provisions to such extent as shall be necessary or appropriate to maintain the qualification of the Trust Fund as a REMIC under the Code or to avoid or minimize the risk of the imposition of any tax on the Trust Fund pursuant to the Code that would be a claim against the Trust Fund at any time prior to the final redemption of the Certificates, provided that the Trustee has obtained an opinion of independent counsel (which opinion also shall be addressed to the Company) to the effect that such action is necessary or appropriate to maintain such qualification or to avoid or minimize the risk of the imposition of such a tax.

This Agreement may also be amended from time to time by the Company and the Trustee with the consent of Holders of Certificates evidencing (i) not less than 66% of the Voting Rights of all the Certificates or (ii) Percentage Interests aggregating not less than 66% of each Class affected by such amendment, 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 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 the Mortgage Loans or distributions which are required to be made on any Certificate without the consent of the Holder of such Certificate, (b) adversely affect in any material respects the interests of the Holders of any Class of Certificates in any manner other than as described in (a), without the consent of the Holders of Certificates evidencing Percentage Interests aggregating not less than 66% of such Class, or (c) reduce the aforesaid percentages of Certificates of any Class required to consent to any such amendment, without the consent of the Holders of all Certificates of such Class then outstanding. For purposes of this paragraph, references to "Holder" or "Holders" shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners.

Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel to the effect that such amendment will not subject the Trust Fund to tax or cause the Trust Fund to fail to qualify as a REMIC at any time that any Certificates are outstanding.

Promptly after the execution of any such amendment or consent the Trustee shall furnish written notification of the substance of such amendment to each Certificateholder.

It shall not be necessary for the consent of Certificateholders under this Section 10.01 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 10.02. 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 Company and at its expense on direction by the Trustee, 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 10.03. Limitation on Rights of Certificateholders. The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, 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 Fund, 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 in Section 10.01) or in any manner otherwise control the operation and management of the Trust Fund, 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 hereinbefore provided, and unless also the Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25% 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, subject to the priority of payments pursuant to Section 4.01 and the allocation of losses pursuant to Section 4.03, for the equal, ratable and common benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section 10.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity.

Section 10.04. 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 10.05. Notices. All demands, notices and communications 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, (a) in the case of the Company, to GE Capital Mortgage Services, Inc., 3 Executive Campus, Cherry Hill, New Jersey 08002, Attention: General Counsel, (b) in the case of the Trustee, to State Street Bank and Trust Company, Corporate Trust Department, 225 Franklin Street, Boston, Massachusetts 02110, (c) in the case of Fitch, to Fitch IBCA, Inc., One State Street Plaza, New York, New York 10004, Attention: Structured Finance Surveillance, and (d) in the case of S&P, Standard and Poor's Ratings Services, 55 Water Street, 41st Floor, New York, New York 10041, Attention: Residential Mortgage Surveillance, or, as to each such Person, at such other address as shall be designated by such Person in a written notice to each other named Person. 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 10.06. Notices to the Rating Agencies. The Company shall deliver written notice of the following events to each Rating Agency promptly following the occurrence thereof: material amendment to this Agreement; any Event of Default; any Trigger Event; change in or termination of the Trustee; removal of the Company or any successor servicer as servicer; repurchase or replacement of any Defective Mortgage Loan pursuant to Section 2.03; and final payment to Certificateholders. In addition, the Company shall deliver copies of the following documents to each Rating Agency at the time such documents are required to be delivered pursuant to this Agreement: monthly statements to Certificateholders pursuant to Section 4.05, annual report of independent accountants pursuant to Section 3.13 and annual servicer compliance report pursuant to Section 3.12. Notwithstanding the foregoing, the failure to deliver such notices or copies shall not constitute an Event of Default under this Agreement.

Section 10.07. 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 to the extent permitted by law 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 10.08. Certificates Nonassessable and Fully Paid. It is the intention of the Trustee that Certificateholders shall not be personally liable for obligations of the Trust Fund, that the beneficial ownership interests represented by the Certificates shall be nonassessable for any losses or expenses of the Trust Fund or for any reason whatsoever, and that Certificates upon execution, countersignature and delivery thereof by the Trustee are and shall be deemed fully paid.

* * *

IN WITNESS WHEREOF, the Company and the Trustee have caused this Agreement to be duly executed by their respective officers and their respective seals, duly attested, to be hereunto affixed, all as of the day and year first above written.

GE CAPITAL MORTGAGE SERVICES, INC.

By:____________________________________

Name:

Title:

[SEAL]

Attest:

By:____________________________________

Name:

Title:

STATE STREET BANK AND

TRUST COMPANY,

as Trustee

By:______________________________________

Name:

Title:

[SEAL]

Attest:

By:____________________________________

Name:

Title:

State of New Jersey )

) ss.:

County of Camden )

On the day of November, 1999 before me, a notary public in and for the State of New Jersey, personally appeared _______________________, known to me who, being by me duly sworn, did depose and say that he/she resides at _________________________ _________________________________________________________; that he/she is a(n) _________________________ of GE Capital Mortgage Services, Inc., a corporation formed under the laws of the State of New Jersey, one of the parties that executed the foregoing instrument; that he/she knows the seal of said corporation; that the seal affixed to said instrument is such corporate seal; that it was so affixed by order of the Board of Directors of said corporation; and that he/she signed his/her name thereto by like order.

__________________________________

Notary Public

[Notarial Seal]

The Commonwealth of Massachusetts )

) ss.:

County of Suffolk )

On the day of November, 1999 before me, a notary public in and for the Commonwealth of Massachusetts, personally appeared ____________________, known to me who, being by me duly sworn, did depose and say that he/she resides at __________________ _____________________________________________________________; that he/she is a(n) __________________________________ of State Street Bank and Trust Company, one of the parties that executed the foregoing instrument; that he/she knows the seal of said Bank; that the seal affixed to said instrument is such corporate seal; that it was so affixed by order of the Board of Directors of said Bank; and that he/she signed his/her name thereto by order of the Board of Directors of said Bank.

__________________________________

Notary Public

[Notarial Seal]

EXHIBIT A

FORMS OF CERTIFICATES

PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN).

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER 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.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A1 Certificate
	Principal Balance:
Class A1	$183,334,505

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP:36157R6S9
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A1 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on this Certificate will be made in the applicable manner described above, after due notice by the Trustee of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency maintained for that purpose by the Trustee in New York, New York.

This Certificate is one of a duly authorized issue of Certificates designated as REMIC Mortgage Pass-Through Certificates, Series 1999-20, issued in twenty-eight Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class A12, Class A13, Class A14, Class A15, Class A16, Class A17, Class A18, Class A19, Class R, Class PO, Class S, Class M, Class B1, Class B2, Class B3, Class B4 and Class B5, herein called the "Certificates").

The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the 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 in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

As provided in the Agreement and with certain exceptions therein provided, certain losses on the Mortgage Loans resulting from defaults by Mortgagors will be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4 and Class B5 Certificates before such losses will be borne by the Holders of the other Classes of the Certificates.

This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced hereby, and the rights, duties and immunities of the Trustee.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the Certificateholders under the Agreement at any time by the Company and the Trustee with the consent of the Holders of Certificates evidencing not less than 66% of all the Voting Rights as defined in the 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 herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate which is in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (i) a certificate from such transferee to the effect that such transferee (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended ("Section 4975") (a "Plan") or a Person that is using the assets of a Plan to acquire such Certificate or (y) is an insurance company investing assets of its general account and the exemption provided by Section III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's acquisition and holding of such Certificate, or (ii) an opinion of counsel satisfactory to the Trustee, which opinion shall not be an expense of the Trustee or the Company, to the effect that the purchase and holding of such Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA or Section 4975 and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of a Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a Person that is purchasing or holding such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975.

No transfer of any Class R Certificate shall be made to any Person unless the Trustee has received a certificate from such transferee to the effect that, among other things, such transferee (x) is not an employee benefit plan subject to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any such Class R Certificate or (y) is an insurance company investing assets of its general account and the Exemption applies to such transferee's acquisition and holding of any such Class R Certificate.

The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class of authorized denominations 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 Trustee and the Certificate Registrar and any agent of the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Trustee, the Certificate Registrar nor any such agent shall be affected by any notice to the contrary.

The obligations and responsibilities created by the Agreement, and the Trust Fund created thereby shall terminate upon payment to the Certificateholders, or provision therefor, in accordance with the Agreement following the earlier of (a) the repurchase by the Company of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus accrued and unpaid interest thereon at the rate provided for in the Agreement (less any amounts representing previously unreimbursed Monthly Advances) and (y) the appraised value of any property acquired in respect of a Mortgage Loan determined as provided in the Agreement, and (b) the later of the final payment or other liquidation (or any Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and the disposition of all property acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage Loan. The right of the Company to repurchase all the Mortgage Loans and property in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance at the time of repurchase being less than 10 percent of the Pool Scheduled Principal Balance as of the Cut-off Date. The Company's exercise of such right will result in early retirement of the Certificates.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

this Certificate evidencing a Percentage Interest in certain distributions with respect to the Trust Fund and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of said Trust Fund.

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A2 Certificate
	Principal Balance:
Class A2	$1,804,701

Certificate Interest	Initial Certificate Principal
Rate per annum:	Balance of this Certificate:
non-interest bearing	$

Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP:36157R6T7
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A2 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A3 Certificate
	Principal Balance:
Class A3	$17,964,986

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R6U4
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A3 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A4 Certificate
	Principal Balance:
Class A4	$1,900,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP:36157R6V2
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A4 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A5 Certificate
	Principal Balance:
Class A5	$2,823,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R6W0
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A5 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A6 Certificate
	Principal Balance:
Class A6	$1,927,100

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R6X8
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A6 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A7 Certificate
	Principal Balance:
Class A7	$1,391,750

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R6Y6
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A7 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A8 Certificate
	Principal Balance:
Class A8	$950,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R6Z3
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A8 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A9 Certificate
	Principal Balance:
Class A9	$1,000,000

Certificate Interest	Initial Certificate Principal
Rate per annum: variable	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP:36157R7A7
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A9 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

The Agreement requires the distribution on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing in December 1999, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount in respect of interest equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount in respect of interest required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions in respect of principal on the same Class as this Certificate will be made in the manner specified in the Agreement to Holders of such Class that have (i) provided Principal Distribution Requests or (ii) been selected by Random Lot, or by a combination of both methods.

The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account, the Class A9 Interest Account and the Rounding Account established for the Class A9 Certificates for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A10 Certificate
	Principal Balance:
Class A10	$900,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7B5
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A10 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account and the Rounding Account established for the Class A10 Certificates for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A11 Certificate
	Principal Balance:
Class A11	$1,900,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7C3
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A11 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account and the Rounding Account established for the Class A11 Certificates for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A12 Certificate
	Principal Balance:
Class A12	$7,306,450

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7D1
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A12 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A13 Certificate
	Principal Balance:
Class A13	$4,408,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7E9
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A13 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A14 Certificate
	Principal Balance:
Class A14	$7,262,014

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7F6
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A14 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A15 Certificate
	Principal Balance:
Class A15	$1,603,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.50%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7G4
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A15 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account and the Rounding Account established for the Class A15 Certificates for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A16 Certificate
	Principal Balance:
Class A16	$1,000,000

Certificate Interest	Initial Certificate Principal
Rate per annum: variable	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7H2
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A16 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account and the Class A16 Interest Account for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A17 Certificate
	Principal Balance:
Class A17	$34,355,500

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7J8
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A17 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A18 Certificate
	Principal Balance:
Class A18	$29,837,494

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7V1
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A18 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class A19 Certificate
	Principal Balance:
Class A19	$24,621,364

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7W9
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class A19 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT.

FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS THE "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(2) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). A TRANSFEREE OF THIS CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE ACCEPTED THIS CERTIFICATE SUBJECT TO CERTAIN RESTRICTIONS ON TRANSFERABILITY AS SET FORTH IN THE AGREEMENT, AND SHALL BE REQUIRED TO FURNISH AN AFFIDAVIT TO THE TRANSFEROR AND THE TRUSTEE TO THE EFFECT THAT IT IS NOT A DISQUALIFIED ORGANIZATION, AS SUCH TERM IS DEFINED IN CODE SECTION 860E(e)(5), AN AGENT (INCLUDING A BROKER, NOMINEE OR OTHER MIDDLEMAN) FOR SUCH DISQUALIFIED ORGANIZATION, OR AN ENTITY THAT HOLDS REMIC RESIDUAL SECURITIES AS NOMINEE TO FACILITATE THE CLEARANCE AND SETTLEMENT OF SUCH SECURITIES THROUGH BOOK-ENTRY CHANGES IN ACCOUNTS OF PARTICIPATING ORGANIZATIONS (A "BOOK-ENTRY NOMINEE") AND TO HAVE AGREED TO SUCH AMENDMENTS TO THE AGREEMENT AS MAY BE REQUIRED TO FURTHER EFFECTUATE THE RESTRICTIONS ON TRANSFERS TO DISQUALIFIED ORGANIZATIONS, AGENTS THEREOF OR BOOK-ENTRY NOMINEES.

THE HOLDER OF THIS CLASS R CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE IRREVOCABLY APPOINTED THE COMPANY (AS DEFINED HEREIN) AS ITS AGENT AND ATTORNEY-IN-FACT TO ACT AS "TAX MATTERS PERSON" OF THE REMIC TO PERFORM THE FUNCTIONS OF A "TAX MATTERS PARTNER" FOR PURPOSES OF SUBCHAPTER C OF CHAPTER 63 OF SUBTITLE F OF THE CODE, WITH RESPECT TO THE TRUST FUND.

THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY DISQUALIFIED ORGANIZATION, BOOK-ENTRY NOMINEE OR NON-PERMITTED FOREIGN HOLDER, AS DEFINED IN THE AGREEMENT OR TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class R Certificate
	Principal Balance:
Class R	$100

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7K5
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class R Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE SECURITIES ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH SECTION 5.02 OF THE AGREEMENT REFERRED TO HEREIN.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class PO Certificate
	Principal Balance:
Class PO	$2,664,557.58

Certificate Interest	Initial Certificate Principal
Rate per annum:	Balance of this Certificate:
non-interest bearing	$

Cut-off Date:
November 1, 1999

First Distribution Date:
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class PO Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of September 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate which is in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (i) a certificate from such transferee to the effect that such transferee (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended ("Section 4975") (a "Plan") or a Person that is using the assets of a Plan to acquire such Certificate or (y) is an insurance company investing assets of its general account and the exemption provided by Section III(a) of Department of Labor Prohibited Transaction Class Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's acquisition and holding of such Certificate, or (ii) an opinion of counsel satisfactory to the Trustee, which opinion shall not be an expense of the Trustee or the Company, to the effect that the purchase and holding of such Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA or Section 4975 and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of a Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a Person that is purchasing or holding such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

PRINCIPAL WILL NOT BE DISTRIBUTABLE IN RESPECT OF THIS CERTIFICATE. INTEREST IS CALCULATED ON THIS CERTIFICATE BASED ON THE CLASS S NOTIONAL PRINCIPAL BALANCE, WHICH, AS OF ANY DISTRIBUTION DATE, IS EQUAL TO THE AGGREGATE SCHEDULED PRINCIPAL BALANCE OF THE OUTSTANDING NON-DISCOUNT MORTGAGE LOANS AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). CONSEQUENTLY, THE NOTIONAL PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL NOTIONAL PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN).

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class S Notional
	Certificate Principal Balance:
Class S	$276,567,695.77

Certificate Interest	Initial Notional Certificate
Rate per annum: variable	Principal Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Notional Principal Balance of this Certificate by the aggregate initial Notional Principal Balance of all Class S Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

As provided in the Agreement, and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in the city in which the Corporate Trust Office of the Trustee is located or in the City of New York, accompanied by a written instrument of transfer in form satisfactory to the Company, 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 of authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class of authorized denominations evidencing the same aggregate Percentage Interest as requested by the Holder surrendering the same.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST

COMPANY, not in its individual capacity but solely as Trustee

(SEAL) By:
Name:
Title:

Countersigned:

By
Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security or other identifying number of assignee

(Please print or typewrite name and address including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT.

THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class M Certificate
	Principal Balance:
Class M	$6,527,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7L3
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class M Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto

Please insert social security
or other identifying number of assignee

(Please print or typewrite name and address

including postal zip code of assignee)

I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address:

Dated:

Signature by or on behalf of assignor

*Signature Guaranteed*

*The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program.

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class B1 Certificate
	Principal Balance:
Class B1	$2,920,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7M1
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class B1 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class B2 Certificate
	Principal Balance:
Class B2	$1,546,000

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7N9
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class B2 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.

THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES ("BLUE SKY LAWS"), AND SUCH CERTIFICATE MAY NOT BE OFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (A) TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A UNDER THE SECURITIES ACT IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A, (B) PURSUANT TO AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) OR (C) TO AN INSTITUTIONAL ACCREDITED INVESTOR AS DEFINED IN RULE 501(a)(1), (2), (3) OR (7) OF REGULATION D UNDER THE SECURITIES ACT, IN EACH CASE IN A TRANSACTION EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH ANY APPLICABLE BLUE SKY LAWS. NO REPRESENTATION IS MADE AS TO THE AVAILABILITY OF THE EXEMPTION PROVIDED BY RULE 144 FOR RESALES OF THIS CERTIFICATE.

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class B3 Certificate
	Principal Balance:
Class B3	$1,718,000.00

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7S8
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class B3 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal.

STATE STREET BANK AND TRUST
COMPANY, not in its individual
capacity but solely as Trustee

(SEAL)

By:

Name:

Title:

Countersigned:

Authorized Signatory of
STATE STREET BANK AND TRUST COMPANY,
not in its individual capacity but
solely as Trustee

Dated:

ASSIGNMENT

FOR VALUE RECEIVED the THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class B4 Certificate
	Principal Balance:
Class B4	$859,000.00

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7T6
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class B4 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT.

REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-20

evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

conventional, fixed rate, one- to four-family

mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-	Initial Class B5 Certificate
	Principal Balance:
Class B5	$1,031,113.81

Certificate Interest	Initial Certificate Principal
Rate per annum: 7.25%	Balance of this Certificate:
	$
Cut-off Date:
November 1, 1999

First Distribution Date:	CUSIP: 36157R7U3
December 27, 1999

THIS CERTIFIES THAT

is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Certificate Principal Balance of this Certificate by the aggregate initial Certificate Principal Balance of all Class B5 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust Company, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

EXHIBIT B

PRINCIPAL BALANCE SCHEDULES

None.

EXHIBIT C

MORTGAGE LOANS

Exhibit C - Supplement
Schedule of Cooperative Loan
Series - GE 1999-20

Loan #	Borrower Name	Cut off Date Principal Balance

0000070979430	SCOTT	$245,000.00
0000080123987	BHARUCHA	$298,412.28
0000080258247	MORGAN	$106,735.30
0000080259104	SULLIVAN	$498,637.42
0000080294739	Smith	$82,500.00
		$1,231,285.00

   GE Capital Mortgages Services, Inc.                           EXHIBIT C
   Issue Date:  June 1, 1999
   P.O. Box 5260                                        DELIVERY ID:         0004992030
   Cherry Hill, N.J. 08034                                    PAGE:             1

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------(800)
-257-7818
  **** PAGE TOTALS ****        NUM OF LOANS:          0                    LOAN AMT:              0.00
                               P & I AMT:               0.00               UPB AMT:               0.00

   LN #   0000975383                     MORTGAGORS:           ERIKSEN, NIELS
                                                               ERIKSEN, CATHERINE
                                                       ADDRESS     :          UNIT 29 LAGOON BOULEVARD
   MORTGAGE AMT:               100,000.00              CITY              :    BRIGANTINENJ       08203
   LIFETIME RATE :              10.87500
   UNPAID BALANCE:             84,972.840              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            942.9066.71114         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:            10.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        03/01/16

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0001034719                     MORTGAGORS:           SCHWARTZ, GILBERT
                                                               FURGIUELE, MADELINE
                                                       ADDRESS     :          UNIT #501 ABBOTTS SQUARE
   MORTGAGE AMT:                64,000.00              CITY              :    PHILADELPHIA       PA       19147
   LIFETIME RATE :              12.50000
   UNPAID BALANCE:             56,325.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            683.0575.29411         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:            12.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        08/01/15

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0001067073                     MORTGAGORS:           SCHAEFER, GARY

                                                               SCHAEFER, MARIE

                                                       ADDRESS     :          52 LAFAYETTE COURT
   MORTGAGE AMT:                75,000.00              CITY              :    NORTH BRUNSWICK TOWN        NJ       08902
   LIFETIME RATE :              10.00000
   UNPAID BALANCE:             63,536.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            658.1868.18181         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:            10.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        04/01/16

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0001146026                     MORTGAGORS:           WEBER, SAMUEL

                                                               WEBER, ABBE

                                                       ADDRESS     :          51 ARCADIA ROAD
   MORTGAGE AMT:               111,000.00              CITY              :    POMPTON LAKES      NJ       07442
   LIFETIME RATE :              10.00000
   UNPAID BALANCE:             93,044.970              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            974.1175.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:            10.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        08/01/16

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0001222116                     MORTGAGORS:           SPOLIZINO, ANTHONY

                                                               SPOLIZINO, DONNA

                                                       ADDRESS     :          171 NORMANDY ROAD
   MORTGAGE AMT:               115,000.00              CITY              :    WOODBRIDGE TOWNSHIPNJ       07067
   LIFETIME RATE :              10.00000
   UNPAID BALANCE:             94,075.360              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,009.2170.55214       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:            10.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        06/01/16

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0001377936                     MORTGAGORS:           RAMOS, JOSE
                                                               RAMOS, RUTH
                                                       ADDRESS     :          30 WINDBEAM ROAD
   MORTGAGE AMT:               110,250.00              CITY              :    BOROUGH OF RIVERDALE        NJ       07457
   LIFETIME RATE :              10.00000
   UNPAID BALANCE:             93,184.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            967.5375.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:            10.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        11/01/16

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0002752392                     MORTGAGORS:           MICHAUD, RONALD
                                                               MICHAUD, SHARON
                                                       ADDRESS     :          RR #2, ROUTE 202
   MORTGAGE AMT:                74,000.00              CITY              :    BARRINGTONNH       03825
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:             55,040.010              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            575.5764.34700         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        06/01/18

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0002753010                     MORTGAGORS:           POTHETOS, EMMANUEL

                                                               POTHETOS, FOTINI

                                                       ADDRESS     :          829 DEWEY STREET
   MORTGAGE AMT:               194,000.00              CITY              :    UNION NJ  07083
   LIFETIME RATE :               9.12500
   UNPAID BALANCE:            164,789.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,578.4565.98600       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        05/01/18

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0002760874                     MORTGAGORS:           THUM, MICHAEL
                                                               THUM, MARY
                                                       ADDRESS     :          LOT 14, BLOCK 3906, EDGEW
   MORTGAGE AMT:               130,000.00              CITY              :    STILLWATERNJ       07875
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            112,278.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,011.1373.86363       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        07/01/18

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0002794220                     MORTGAGORS:           BROWNE, MICHAEL

                                                       ADDRESS     :          34 AVEBURY PLACE
   MORTGAGE AMT:               115,850.00              CITY              :    FRANKLIN  NJ       08873
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:             94,668.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            901.0774.98381         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        07/01/18

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0002964435                     MORTGAGORS:           ALFANO, JANET
                                                               BUBA, JAMES
                                                       ADDRESS     :          76 WYNDHAM PLACE
   MORTGAGE AMT:                74,000.00              CITY              :    WASHINGTONNJ       08561
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:             64,749.670              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            575.5771.15300         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        01/01/19

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0004802559                     MORTGAGORS:           COHEN, MARK

                                                               FERKO, VIRGINIA

                                                       ADDRESS     :          68 MARTIN ROAD
   MORTGAGE AMT:               208,000.00              CITY              :    WELLESLEY MA       02181
   LIFETIME RATE :              10.00000
   UNPAID BALANCE:            193,967.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,825.3580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:            10.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        09/01/21

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0004913315                     MORTGAGORS:           YASKIL, HADAR

                                                               YASKIL, MARISA

                                                       ADDRESS     :          473 HICKORY STREET
   MORTGAGE AMT:               203,250.00              CITY              :    WASHINGTON TWP.    NJ       07675
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            181,845.080              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,598.9775.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        01/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0004918041                     MORTGAGORS:           PERREN, LAURIE

                                                       ADDRESS     :          1798 JENNINGS ROAD
   MORTGAGE AMT:               200,000.00              CITY              :    FAIRFIELD CT       06430
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            130,572.950              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,573.4175.18700       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        01/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0004946224                     MORTGAGORS:           DIAZ, PAMELA

                                                               DIAZ, ARTURO

                                                       ADDRESS     :          2913 HATBORO PLACE
   MORTGAGE AMT:               205,000.00              CITY              :    UPPER MARLBORO     MD       20772
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            177,463.230              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,594.4788.36200       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        01/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0004971818                     MORTGAGORS:           MILLER, JACK
                                                               MILLER, MARJORIE
                                                       ADDRESS     :          1065 N. ORANGE STREET
   MORTGAGE AMT:               206,000.00              CITY              :    MEDIA PA  19063
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            176,955.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,583.9774.90909       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        03/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0004988978                     MORTGAGORS:           FITZGERALD, MICHAEL

                                                       ADDRESS     :          13721 ROSETREE COURT
   MORTGAGE AMT:               202,500.00              CITY              :    CHANTILLY VA       22021
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            187,244.250              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,611.1973.87006       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        02/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0005277041                     MORTGAGORS:           MATLUCK, EDWARD

                                                       ADDRESS     :          6 LAUREL WAY
   MORTGAGE AMT:               202,500.00              CITY              :    SEA CLIFF NY       11579
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            186,972.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,593.0754.72900       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        04/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0005394234                     MORTGAGORS:           STEINBERG, SEYMOUR

                                                               STEINBERG, GLORIA

                                                       ADDRESS     :          13220 N CALUSA CLUB DRIVE
   MORTGAGE AMT:               205,000.00              CITY              :    MIAMI FL  33186
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            188,514.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,631.0865.70512       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        05/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0005413687                     MORTGAGORS:           WILCOX, JAMES

                                                               WILCOX, GLORIA

                                                       ADDRESS     :          4975 ROCKWOOD PARKWAY N.W
   MORTGAGE AMT:               545,000.00              CITY              :    WASHINGTONDC       20016
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            502,000.270              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,999.0264.88095       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        08/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0005541289                     MORTGAGORS:           PHAN, TU

                                                       ADDRESS     :          3948 GEORGETOWN COURT N.W
   MORTGAGE AMT:               205,000.00              CITY              :    WASHINGTONDC       20007
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            191,254.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,631.0754.66600       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        09/01/22

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0031141823                     MORTGAGORS:           WADE, BRUCE

                                                               SUNN, LIANE

                                                       ADDRESS     :          2225 PIIMAUNA STREET
   MORTGAGE AMT:               500,000.00              CITY              :    HONOLULU  HI       96821
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            498,934.470              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,582.0680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0031867278                     MORTGAGORS:           WILKINSON, DENNIS

                                                               ZABALA, JENNIFER

                                                       ADDRESS     :          4456 EMERALD STREET #22
   MORTGAGE AMT:               254,600.00              CITY              :    TORRANCE  CA       90503
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            252,309.700              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,802.0595.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        11/01/28

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0032030900                     MORTGAGORS:           MCINTYRE, BRIAN

                                                               MCINTYRE, PATRICIA

                                                       ADDRESS     :          683 ANITA STREET
   MORTGAGE AMT:               405,000.00              CITY              :    LAGUNA BEACH       CA       92651
   LIFETIME RATE :               6.50000
   UNPAID BALANCE:            402,014.830              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,559.8873.63600       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  002        03/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0032033755                     MORTGAGORS:           ABATE, RYAN

                                                               ABATE, ANNALISA  ABATE, ANNALISA

                                                       ADDRESS     :          10144 SPRING LAKE TERRACE
   MORTGAGE AMT:               193,500.00              CITY              :    FAIRFAX   VA       22030
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            192,431.650              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           1,303.65100.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0032058810                     MORTGAGORS:           BOUQUET, MATTHEW

                                                               BOUQUET, STEPHANIE

                                                       ADDRESS     :          18420 WILDROSE COURT
   MORTGAGE AMT:               310,000.00              CITY              :    SALINAS   CA       93908
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            308,490.310              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,088.5370.45400       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  002        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070070701                     MORTGAGORS:           CLEMENT, JOHN

                                                               CLEMENT, VICTORIA

                                                       ADDRESS     :          208 VIA PALERMO
   MORTGAGE AMT:               620,000.00              CITY              :    NEWPORT BEA        CA       92663
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            610,153.380              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,072.9670.05650       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/28

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070374350                     MORTGAGORS:           KOUTELOS, KONSTANTIN

                                                               KOUTELOS, ANGELA

                                                       ADDRESS     :          952 80TH STREET
   MORTGAGE AMT:               249,300.00              CITY              :    BROOKLYN  NY       11228
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            247,094.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,700.6781.73770       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        12/01/28

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070520069                     MORTGAGORS:           BOBER, ABE

                                                       ADDRESS     :          17048 CROSSGATE DRIVE
   MORTGAGE AMT:               360,000.00              CITY              :    JUPITER   FL       33477
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            356,840.380              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,579.0880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/28

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070625967                     MORTGAGORS:           FAGADAU, THOMAS

                                                               FAGADAU, PATRICIA

                                                       ADDRESS     :          5606 DITTMAR PLACE
   MORTGAGE AMT:               683,450.00              CITY              :    DALLAS    TX       75229
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            678,103.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,720.4268.34500       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        01/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070654553                     MORTGAGORS:           PAUL, DAVID

                                                               GRAFF PAUL, VERONICA

                                                       ADDRESS     :          2204 LYNNGROVE DRIVE
   MORTGAGE AMT:               390,000.00              CITY              :    MANHATTAN B        CA       90266
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            387,054.840              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,594.6868.42105       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        02/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070819495                     MORTGAGORS:           BARBOUR, DAVID

                                                               BARBOUR, CARIN   BARBOUR, CARIN

                                                       ADDRESS     :          202 PEARSALL PLACE
   MORTGAGE AMT:               164,000.00              CITY              :    BRIDGEPORTCT       06605
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            163,220.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,118.7754.66667       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070855481                     MORTGAGORS:           WALLACE, LARRY
                                                               WALLACE, AUDREY
                                                               MCKENZIE WAL, AUDREY

                                                       ADDRESS     :          232 OXFORD ROAD
   MORTGAGE AMT:               344,250.00              CITY              :    NEW ROCHELL        NY       10804
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            342,405.140              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,290.3063.75000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070858246                     MORTGAGORS:           NUSSBAUM, GIDEON

                                                               NUSSBAUM, ADI    NUSSBAUM, ADI

                                                       ADDRESS     :          5202 ISOLA PLACE NORTHWES
   MORTGAGE AMT:               695,200.00              CITY              :    ISSAQUAH  WA       98027
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            693,010.970              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,742.4969.52000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  103        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070894506                     MORTGAGORS:           RODA, GERALD
                                                               RODA, NANCY
                                                               RODA, NANCY

                                                       ADDRESS     :          54 COBBLERS MILL ROAD
   MORTGAGE AMT:               365,400.00              CITY              :    NEWTON    CT       06482
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            365,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,523.7377.18631       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070930235                     MORTGAGORS:           KESSLER, PAUL

                                                               KESSLER, BARBARA

                                                       ADDRESS     :          13800 COOLIDGE AVENUE
   MORTGAGE AMT:               317,000.00              CITY              :    SAN MARTINCA       95046
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            316,249.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,162.5061.55340       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070931175                     MORTGAGORS:           MORGAN, JEFFREY
                                                               MORGAN, JEANNE
                                                       ADDRESS     :          12 TOWER HILL ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    NORTH READI        MA       01864
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            299,354.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,253.8093.75000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070933536                     MORTGAGORS:           SKROCE, LUCILLE

                                                               SKROCE, VLADO    SKROCE, VLADO

                                                       ADDRESS     :          60 OAK STREET
   MORTGAGE AMT:               255,000.00              CITY              :    CLOSTER   NJ       07624
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            254,225.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,783.0085.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070940432                     MORTGAGORS:           BORGAN, ELENA

                                                       ADDRESS     :          9850 SW 72ND AVENUE
   MORTGAGE AMT:               300,000.00              CITY              :    MIAMI FL  33156
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            299,422.140              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,253.8080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070949268                     MORTGAGORS:           MAYES, KEITH

                                                               MAYES, BONNIE

                                                       ADDRESS     :          1417 PASEO DEL MAR
   MORTGAGE AMT:               284,000.00              CITY              :    SAN PEDRO CA       90731
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            283,555.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,937.3859.66387       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070960042                     MORTGAGORS:           KNIPPER, THOMAS

                                                       ADDRESS     :          2705 BROOKSHIRE DRIVE
   MORTGAGE AMT:               333,600.00              CITY              :    GRAPEVINE TX       76092
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            332,906.730              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,418.8380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070969852                     MORTGAGORS:           MURPHY, WILLIAM

                                                               MURPHY, FRANCES  MURPHY, FRANCES

                                                       ADDRESS     :          1391 WILLOW LAKE ROAD
   MORTGAGE AMT:               343,000.00              CITY              :    DISCOVERY B        CA       94514
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            342,775.630              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,546.7774.40347       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070973540                     MORTGAGORS:           MORRISON, CHARLES

                                                               MORRISON, SHARRON        MORRISON, SHARRON

                                                       ADDRESS     :          1343 1345 REDONDO BLVD
   MORTGAGE AMT:               259,500.00              CITY              :    LOS ANGELES        CA       90019
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            259,334.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,949.5475.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070978382                     MORTGAGORS:           MCCABE, MARGARET

                                                               FINLEY, BRIAN

                                                       ADDRESS     :          2440 SCOTT STREET
   MORTGAGE AMT:             1,650,000.00              CITY              :    SAN FRANSIS        CA       94115
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:          1,649,025.850              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            12,833.5375.00000      ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  103        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070979430                     MORTGAGORS:           SCOTT, DAVID

                                                       ADDRESS     :          220 EAST 73RD STREET
   MORTGAGE AMT:               245,000.00              CITY              :    NEW YORK  NY       10021
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            245,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,776.4270.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070984869                     MORTGAGORS:           LIEBOWITZ, WILLIAM

                                                               LIEBOWITZ, SHARON

                                                       ADDRESS     :          2244 SOUTH BEVERLY DRIVE
   MORTGAGE AMT:               350,000.00              CITY              :    LOS ANGELES        CA       90034
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            349,759.140              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,537.7458.82353       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070985791                     MORTGAGORS:           SALMON, DONALD

                                                               RASO SALMON, JANE

                                                       ADDRESS     :          3 DRIFT WAY
   MORTGAGE AMT:               372,000.00              CITY              :    ROSELAND  NJ       07068
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            371,265.020              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,762.0978.73016       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070987243                     MORTGAGORS:           CARLSON, PAUL

                                                               CARLSON, ANN     CARLSON, ANN

                                                       ADDRESS     :          883 ST MORITZ
   MORTGAGE AMT:               294,000.00              CITY              :    Victoria  MN       55386
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            294,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,157.2766.82000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070989934                     MORTGAGORS:           GOLD, CAROLYN

                                                       ADDRESS     :          19 WRIGHT FARM ROAD
   MORTGAGE AMT:               350,000.00              CITY              :    CONCORD   MA       01742
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            350,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,722.2660.45000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070991153                     MORTGAGORS:           BERNSTEIN, MARC

                                                               BERNSTEIN, SHARI BERNSTEIN, SHARI

                                                       ADDRESS     :          1 ORCHARD LANE
   MORTGAGE AMT:               550,000.00              CITY              :    OLD TAPPANNJ       07675
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            550,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,892.8769.18239       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070991971                     MORTGAGORS:           ROGERS, RICHARD

                                                       ADDRESS     :          14097 HWY 101 NORTH
   MORTGAGE AMT:               340,000.00              CITY              :    GARIBALDI OR       97118
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            339,804.390              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,674.7871.57895       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070992763                     MORTGAGORS:           HARRISON, ALAN

                                                               HARRISON, WEI JEN

                                                       ADDRESS     :          3001 MORSE AVENUE
   MORTGAGE AMT:               595,000.00              CITY              :    SACRAMENTOCA       95821
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            594,620.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,470.0470.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070994306                     MORTGAGORS:           WONG, MICHAEL

                                                       ADDRESS     :          210 LINCOLN AVE
   MORTGAGE AMT:               300,000.00              CITY              :    BOSTON    MA       02111
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,280.2280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070995188                     MORTGAGORS:           ARGUS LEFLER, GINA

                                                               ABIAD, JOSEPH    ABIAD, JOSEPH

                                                       ADDRESS     :          1932 OVERLOOK ROAD
   MORTGAGE AMT:               307,000.00              CITY              :    FULLERTON CA       92831
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            306,804.240              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,306.3978.71795       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070997465                     MORTGAGORS:           THOMPSON, MICHAEL

                                                               OAK, DAWNA       OAK, DAWNA

                                                       ADDRESS     :          3504 RANCHO DEL MONICO RO
   MORTGAGE AMT:               341,000.00              CITY              :    COVINA    CA       91724
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            340,798.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,652.2689.97361       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070997903                     MORTGAGORS:           MAGIDI, SAAID

                                                               OESCHEY, PATRICIA        OESCHEY, PATRICIA

                                                       ADDRESS     :          22649 PRINCETON PLACE
   MORTGAGE AMT:               343,050.00              CITY              :    CASTRO VALL        CA       94552
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            343,050.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,487.3579.99991       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0070999933                     MORTGAGORS:           FERRAIOLA, CHARLES

                                                       ADDRESS     :          8 MINE BROOK ROAD
   MORTGAGE AMT:               370,000.00              CITY              :    COLTS NECKNJ       07751
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            370,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,812.2748.05195       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071000996                     MORTGAGORS:           COOK, JON

                                                       ADDRESS     :          7673 SOUTH SOURDOUGH DRIV
   MORTGAGE AMT:               316,800.00              CITY              :    MORRISON  CO       80465
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            316,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,435.9280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071005813                     MORTGAGORS:           ABRAMS, JONATHAN

                                                               ABRAMS, ELLEN

                                                       ADDRESS     :          6 RAMAPO TRAIL
   MORTGAGE AMT:               300,000.00              CITY              :    HARRISON  NY       10528
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,123.3875.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071008650                     MORTGAGORS:           HUGHES, PEGGY

                                                               HUGHES, MICHAEL  HUGHES, MICHAEL

                                                       ADDRESS     :          4000 WOOD LAKE DRIVE
   MORTGAGE AMT:               729,300.00              CITY              :    PLANO TX  75093
   LIFETIME RATE :               9.00000
   UNPAID BALANCE:            729,300.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            5,868.1165.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071009021                     MORTGAGORS:           NARITA, MAKOTO
                                                               SNELL, RICHARD
                                                               NARITA, YUMIKO   NARITA, SHIGEO

                                                       ADDRESS     :          11007 BRADFORD CIRCLE
   MORTGAGE AMT:               254,500.00              CITY              :    CERRITOS  CA       90701
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            254,333.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,889.6682.09677       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071014518                     MORTGAGORS:           BEINHORN, ANASTASIA

                                                       ADDRESS     :          5050 LOS FELIZ BOULEVARD
   MORTGAGE AMT:               400,000.00              CITY              :    LOS ANGELES        CA       90027
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            399,724.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,900.2851.28205       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071014708                     MORTGAGORS:           POORMAN, MARK

                                                               POORMAN, MECHELE POORMAN, MECHELE

                                                       ADDRESS     :          26293 FOSTER ROAD
   MORTGAGE AMT:               280,000.00              CITY              :    MONROE    OR       97456
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            280,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,030.1956.22490       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071015044                     MORTGAGORS:           FIASCONARO, GREGORY

                                                               FIASCONARO, TRACEY       FIASCONARO, TRACEY

                                                       ADDRESS     :          505 CHESTNUT STREET
   MORTGAGE AMT:               247,000.00              CITY              :    CHESHIRE  CT       06410
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            247,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,899.2285.17241       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071015713                     MORTGAGORS:           NGOI, STEVEN

                                                               NGOI, AGATA      NGOI, AGATA

                                                       ADDRESS     :          21184 VALLE SAN JUAN DRIV
   MORTGAGE AMT:               334,000.00              CITY              :    SALINAS   CA       93907
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            333,736.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,509.2379.90431       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071019160                     MORTGAGORS:           ANDERSON, ADAM

                                                               ANDERSON, KRISTIN        ANDERSON, KRISTIN

                                                       ADDRESS     :          10365 SW SPANIEL PLACE
   MORTGAGE AMT:               256,500.00              CITY              :    Beaverton OR       97008
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            256,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,927.0095.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071019970                     MORTGAGORS:           EDELMAN, KENNETH

                                                               EDELMAN, ROSEANN EDELMAN, ROSEANN

                                                       ADDRESS     :          204 COLINA TERRACE
   MORTGAGE AMT:               290,000.00              CITY              :    VISTA CA  92084
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            289,815.080              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,178.6776.31579       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071020010                     MORTGAGORS:           HUTTEN, MARK

                                                               JERCINOVIC, JOANNE

                                                       ADDRESS     :          911 NORTH EAST AVENUE
   MORTGAGE AMT:               341,500.00              CITY              :    OAK PARK  IL       60302
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            341,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,535.6389.98682       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071023204                     MORTGAGORS:           YOUNGDAHL, CARL

                                                               YOUNGDAHL, PATRICIA      YOUNGDAHL, PATRICIA

                                                       ADDRESS     :          14331 HAYCOCK ST
   MORTGAGE AMT:               380,000.00              CITY              :    SLOUGHHOUSE        CA       95683
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            380,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,888.2776.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071023725                     MORTGAGORS:           GEORGE, BARBARA

                                                       ADDRESS     :          3206 VIA SOLANA
   MORTGAGE AMT:               292,000.00              CITY              :    ESCONDIDO CA       92029
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            291,832.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,297.1779.78142       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071023808                     MORTGAGORS:           SERRANO, RAMIRO

                                                               RODRIGUEZ, MARIA RODRIGUEZ, MARIA

                                                       ADDRESS     :          43861 E CIRCLE DRIVE
   MORTGAGE AMT:                90,200.00              CITY              :    INDIO CA  92201
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:             90,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            693.5694.94737         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071027023                     MORTGAGORS:           BEUTEL, CURT

                                                               BEUTEL, LINDA

                                                       ADDRESS     :          25 PHEASANT CREEK
   MORTGAGE AMT:               295,700.00              CITY              :    IRVINE    CA       92618
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            295,700.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,144.0379.98961       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071027478                     MORTGAGORS:           TAYLOR, SYLVIA

                                                       ADDRESS     :          3010 ADORNOS WAY
   MORTGAGE AMT:               431,250.00              CITY              :    BURBANK   CA       91504
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            430,914.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,239.8475.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071028419                     MORTGAGORS:           MATERIA, LAWRENCE

                                                       ADDRESS     :          117 PERSHING BOULEVARD
   MORTGAGE AMT:               440,000.00              CITY              :    LAVALLETTENJ       08735
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            440,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,461.4863.30935       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071029169                     MORTGAGORS:           MINGO, TODD

                                                               MINGO, KIMBERLY

                                                       ADDRESS     :          205 SOUTH EAST AVENUE
   MORTGAGE AMT:               441,000.00              CITY              :    OAK PARK  IL       60622
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            441,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,313.0990.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071030191                     MORTGAGORS:           RODRIGUEZ, JUAN

                                                               RODRIGUEZ, CECILIA       RODRIGUEZ, CECILIA

                                                       ADDRESS     :          241 BROWER COURT
   MORTGAGE AMT:               312,000.00              CITY              :    WEST NEW YO        NJ       07093
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            311,795.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,316.5975.85534       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071030571                     MORTGAGORS:           KURLANSKY, ANDREW

                                                       ADDRESS     :          2 NORTHSHORE DRIVE
   MORTGAGE AMT:               486,000.00              CITY              :    TYBEE ISLAN        GA       31328
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            486,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,481.7680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071031504                     MORTGAGORS:           GREEN, THOMAS

                                                               GREEN, BARBARA

                                                       ADDRESS     :          13212 CAMINITO POINTE DEL
   MORTGAGE AMT:               565,000.00              CITY              :    DEL MAR   CA       92014
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            565,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,096.6479.02098       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071033047                     MORTGAGORS:           CAMPANELLA, CHRISTOPHE

                                                               CAMPANELLA, JENNIFER     CAMPANELLA, JENNIFER

                                                       ADDRESS     :          95 SOUTH WARD AVENUE
   MORTGAGE AMT:               260,000.00              CITY              :    RUMSON    NJ       07760
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            260,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,907.7983.87097       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071033252                     MORTGAGORS:           BROWNE, NICHOLAS

                                                       ADDRESS     :          1955 CARMEN AVENUE
   MORTGAGE AMT:               280,000.00              CITY              :    LOS ANGELES        CA       90068
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            280,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,005.9580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071033401                     MORTGAGORS:           MICHAEL, NELSON

                                                               MICHAEL, MADELINE        MICHAEL, MADELINE

                                                       ADDRESS     :          4011 WILD GRAPE COURT
   MORTGAGE AMT:               449,650.00              CITY              :    ROCKVILLE MD       20853
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            449,650.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,105.6279.91363       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071033963                     MORTGAGORS:           CAMPBELL, JOHN

                                                               CAMPBELL, JANETTE        CAMPBELL, JANETTE

                                                       ADDRESS     :          2086 EATON AVENUE
   MORTGAGE AMT:               243,000.00              CITY              :    SAN CARLOSCA       94070
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            243,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,804.2734.22535       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071036024                     MORTGAGORS:           BASCOMBE, JAMIE

                                                               BASCOMBE, TIMOTHY

                                                       ADDRESS     :          4270 NE 24TH AVENUE
   MORTGAGE AMT:               376,000.00              CITY              :    LIGHTHOUSEFL       33064
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            376,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,758.9580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071037618                     MORTGAGORS:           SHUMAN, MARC

                                                       ADDRESS     :          1257 W OAKDALE AVENUE
   MORTGAGE AMT:               649,900.00              CITY              :    CHICAGO   IL       60657
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            649,900.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,939.7169.88172       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071037972                     MORTGAGORS:           COLLIGNON CH, DONNA
                                                               COLLIGNON, JUDITH
                                                               CHAMBERS, JOSH   COLLIGNON, JUDITH

                                                       ADDRESS     :          0N030 NORTH MILL CREEK DR
   MORTGAGE AMT:               464,000.00              CITY              :    GENEVA    IL       60134
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            464,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,364.3280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071038210                     MORTGAGORS:           YOO, HARRY

                                                       ADDRESS     :          4 EMILY PLACE
   MORTGAGE AMT:               330,000.00              CITY              :    LONG VALLEY        NJ       07853
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            330,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,508.2474.66063       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071038525                     MORTGAGORS:           CHROBAK, MANUEL

                                                               TAILER CHROB, WINIFRED   TAILER-CHROBAK, WINIFRED

                                                       ADDRESS     :          18 DEER PATH
   MORTGAGE AMT:               356,000.00              CITY              :    HUDSON    MA       01749
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            356,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,705.8680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071040869                     MORTGAGORS:           RYERSON, JOHN

                                                               RYERSON, LAUREL

                                                       ADDRESS     :          14 SOUTH MILL STREET
   MORTGAGE AMT:               358,000.00              CITY              :    HOPKINTON MA       01748
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            358,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,689.5375.05241       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071041016                     MORTGAGORS:           LI, ALBERT

                                                               LAU, ALICE       LAU, ALICE

                                                       ADDRESS     :          4951 RAIN TREE LANE
   MORTGAGE AMT:               310,400.00              CITY              :    IRVINE    CA       92612
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            310,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,277.6180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071042006                     MORTGAGORS:           SOLIVEN, JOCELYN

                                                       ADDRESS     :          19727 KILFINAN STREET
   MORTGAGE AMT:               310,800.00              CITY              :    NORTHRIDGECA       91326
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            310,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,334.9479.98868       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071044481                     MORTGAGORS:           VIDELEFSKY, GEOFFREY

                                                               VIDELEFSKY, ZELDA        Videlefsky, Zelda

                                                       ADDRESS     :          59 JORDAN ROAD
   MORTGAGE AMT:               421,200.00              CITY              :    BROOKLINE MA       02146
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            421,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,981.2378.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071044556                     MORTGAGORS:           MATHERS, BRANDEN
                                                               PECK, BILLY
                                                               PECK, BILLY      PECK, ELIZABETH

                                                       ADDRESS     :          7532 SE THOMPSON
   MORTGAGE AMT:               170,500.00              CITY              :    MILWAUKIE OR       97222
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            170,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,311.0094.72222       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071044689                     MORTGAGORS:           ALANIS, JOSEPH

                                                       ADDRESS     :          2509 TOURNAMENT DRIVE
   MORTGAGE AMT:               524,800.00              CITY              :    CASTLE ROCK        CO       80104
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            524,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,081.8480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071048003                     MORTGAGORS:           DESTEFANIS, PAUL

                                                               DESTEFANIS, KARIN        DESTEFANIS, KARIN

                                                       ADDRESS     :          111-113 PALMER STREET
   MORTGAGE AMT:               321,300.00              CITY              :    ARLINGTON MA       02174
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            321,300.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,442.1190.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071049324                     MORTGAGORS:           NABERS, JOSEPH

                                                               NABERS, DONNA

                                                       ADDRESS     :          2403 HIDDEN SHORE DRIVE
   MORTGAGE AMT:               404,000.00              CITY              :    KATY  TX  77450
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            404,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,964.4179.21569       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071051478                     MORTGAGORS:           FISH, JEFFREY

                                                       ADDRESS     :          888 CLEAR DIAMOND AVENUE
   MORTGAGE AMT:               100,000.00              CITY              :    LAS VEGAS NV       89123
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            100,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            768.9179.36508         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071051544                     MORTGAGORS:           FISH, JEFFREY

                                                       ADDRESS     :          3331 EPSON STREET
   MORTGAGE AMT:                98,400.00              CITY              :    LAS VEGAS NV       89129
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:             98,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            756.6180.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071051627                     MORTGAGORS:           FISH, JEFFREY

                                                       ADDRESS     :          8241 BOSECK DRIVE
   MORTGAGE AMT:                93,600.00              CITY              :    LAS VEGAS NV       89101
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:             93,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            719.7078.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071053755                     MORTGAGORS:           ANAGNOSTELLI, NICHOLAS

                                                               LOTTER, EDWARD   LOTTER, EDWARD

                                                       ADDRESS     :          2019 ERNEST AVENUE
   MORTGAGE AMT:               277,600.00              CITY              :    REDONDO BEA        CA       90278
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            277,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,109.9680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071061626                     MORTGAGORS:           FIRESTONE, JOHN

                                                               FIRESTONE, DAPHNE

                                                       ADDRESS     :          1403 CHARDONNAY COURT
   MORTGAGE AMT:               310,000.00              CITY              :    SOUTHLAKE TX       76092
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            310,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,247.7250.82384       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0071062814                     MORTGAGORS:           SZYMANSKI, MICHAEL

                                                       ADDRESS     :          1325 SUNSET AVENUE SW
   MORTGAGE AMT:               650,000.00              CITY              :    SEATTLE   WA       98116
   LIFETIME RATE :               9.25000
   UNPAID BALANCE:            650,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            5,347.3968.42105       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080009061                     MORTGAGORS:           MCINNIS, DANIEL

                                                               MCINNIS, ROBIN

                                                       ADDRESS     :          109 CHIMNEY RIDGE PLACE
   MORTGAGE AMT:               490,000.00              CITY              :    STERLING  VA       20165
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            489,270.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,426.1570.12372       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080020985                     MORTGAGORS:           FUCHS, JORGE
                                                               Fuchs, Sarah
                                                               FUCHS, SARAH

                                                       ADDRESS     :          201 WINDMERE PLACE
   MORTGAGE AMT:               118,500.00              CITY              :    KINGSPORT TN       37664
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            117,443.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           818.45100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080025422                     MORTGAGORS:           HIGGINS, THOMAS
                                                               HIGGINS, REHLINDA
                                                               HIGGINS, REHLINDA

                                                       ADDRESS     :          1919 WESTWOOD
   MORTGAGE AMT:                68,000.00              CITY              :    JONESBORO AR       72401
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:             67,741.460              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           475.47100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080027204                     MORTGAGORS:           REISE, ANTHONY

                                                       ADDRESS     :          177 WINDWARD DRIVE
   MORTGAGE AMT:                90,000.00              CITY              :    PORTSMOUTHRI       02871
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:             89,240.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            613.9567.92453         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080028160                     MORTGAGORS:           Kallgren, Eugene

                                                               Kallgren, Ann    Kallgren, Ann

                                                       ADDRESS     :          1740 Founder's Hill South
   MORTGAGE AMT:               400,000.00              CITY              :    WILLIAMSBURG       VA       23185
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            399,744.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,005.0773.39000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080028889                     MORTGAGORS:           MARK, NERI
                                                               Mark, Patricia
                                                               MARK, PATRICIA   MARK, PATRICIA

                                                       ADDRESS     :          12614 Bear Creek Ter.
   MORTGAGE AMT:               346,400.00              CITY              :    BELTSVILLEMD       20705
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            345,896.990              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,451.7980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080029200                     MORTGAGORS:           YOUNG, ROBERT

                                                               YOUNG, ELIZABETH

                                                       ADDRESS     :          53 SPRING ROAD
   MORTGAGE AMT:               338,000.00              CITY              :    NEEDHAM   MA       02494
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            336,729.970              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,363.3574.28571       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080029754                     MORTGAGORS:           ZIVEN, DEBRA

                                                       ADDRESS     :          2131 CENTURY PARK LANE
   MORTGAGE AMT:               293,000.00              CITY              :    LOS ANGELES        CA       90067
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            291,785.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,949.3464.39560       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080034697                     MORTGAGORS:           MAHONEY, GARY
                                                               MAHONEY, REBECCA
                                                               MAHONEY, REBECCA

                                                       ADDRESS     :          116 PAXTPN COURT
   MORTGAGE AMT:               134,860.00              CITY              :    COOKEVILLETN       38501
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            134,250.040              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           942.96100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080041981                     MORTGAGORS:           HANCHEY, TAMMIE

                                                       ADDRESS     :          2095 NORTH MAPLE AVE
   MORTGAGE AMT:                50,000.00              CITY              :    COOKEVILLETN       38501
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:             49,807.410              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           345.34100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080047525                     MORTGAGORS:           CLINE, VICKI

                                                       ADDRESS     :          4392 HUNTERS RUN DRIVE
   MORTGAGE AMT:                90,000.00              CITY              :    TRINITY   NC       27370
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:             89,592.940              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           629.29100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080051485                     MORTGAGORS:           LIGHTFOOT, DAVID
                                                               LIGHTFOOT, MYRNA
                                                               LIGHTFOOT, MYRNA

                                                       ADDRESS     :          1613 SARATOGA WAY
   MORTGAGE AMT:               712,500.00              CITY              :    Edmond    OK       73003
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            709,472.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,680.6264.77000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080051790                     MORTGAGORS:           MOTHERAMGARI, KISHANRAO

                                                       ADDRESS     :          1453 BUXTON DRIVE.
   MORTGAGE AMT:               114,900.00              CITY              :    KNOXVILLE TN       37922
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            114,380.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           803.40100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080053903                     MORTGAGORS:           HAUGH, JANET

                                                       ADDRESS     :          315 NEPONSET ST
   MORTGAGE AMT:                50,000.00              CITY              :    NORWOOD   MA       02062
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:             49,407.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            349.6156.17978         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080055494                     MORTGAGORS:           FOX, HARVEY

                                                               FOX, PHYLLIS     FOX, PHYLLIS

                                                       ADDRESS     :          22 WENDELL COURT
   MORTGAGE AMT:               300,000.00              CITY              :    MELVILLE  NY       11747
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            299,007.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,995.9166.66667       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080059009                     MORTGAGORS:           MC CARTHY, BRIAN

                                                               MC CARTHY, STEPHANIE     MC CARTHY, STEPHANIE

                                                       ADDRESS     :          8660 E WINDSONG DRIVE
   MORTGAGE AMT:               272,950.00              CITY              :    ANAHEIM HIL        CA       92808
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            271,276.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,770.3579.98957       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        04/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080059579                     MORTGAGORS:           PETERSON, ERIC

                                                               PETERSON, DEBBIE

                                                       ADDRESS     :          65 PALM BEACH COURT
   MORTGAGE AMT:               340,000.00              CITY              :    DANA POINTCA       92629
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            338,384.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,319.4080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080059637                     MORTGAGORS:           HARNPUKDIPAT, BANDIT
                                                               HARNPUKDIPATIMA, AMORNRUT
                                                               HARNPUKDIPAT, AMORNRUT   HARNPUKDIPAT, AMORNRUT

                                                       ADDRESS     :          15 FOX RUN ROAD
   MORTGAGE AMT:               427,250.00              CITY              :    WRENTHAM  MA       02093
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            426,723.670              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,950.9179.99438       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080066095                     MORTGAGORS:           HURTADO, ALEJANDRO
                                                               HURTADO, MARIA
                                                               HURTADO, MARIA

                                                       ADDRESS     :          1125 JAIMEE LANE
   MORTGAGE AMT:               381,500.00              CITY              :    Libertyville       IL       60048
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            381,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,667.5079.98000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080069925                     MORTGAGORS:           NELSON, BRIAN

                                                       ADDRESS     :          7915 56TH DRIVE NORTHEAST
   MORTGAGE AMT:               154,950.00              CITY              :    MARYSVILLEWA       98270
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            154,396.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           1,110.08100.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080069933                     MORTGAGORS:           AMSLER, CONSTANCE

                                                       ADDRESS     :          1167 SILVERLAKE DRIVE
   MORTGAGE AMT:               113,500.00              CITY              :    GRAPEVINE TX       76052
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            113,139.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           793.61100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080071574                     MORTGAGORS:           KNUTSON, TANA

                                                       ADDRESS     :          633 CROSS RIDGE CIRCLE NO
   MORTGAGE AMT:                84,000.00              CITY              :    FORT WORTHTX       76120
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:             83,629.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           594.55100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080073547                     MORTGAGORS:           TAYLOR, ROBERT

                                                               TAYLOR, MEGAN    taylor, megan

                                                       ADDRESS     :          3107 FLINT HILL ROAD
   MORTGAGE AMT:               110,000.00              CITY              :    ADAMSTOWN MD       21710
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            109,586.670              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           769.14100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080074172                     MORTGAGORS:           SCHOENHALS, G
                                                               Schoenhals, Sandra
                                                               SCHOENHALS, SANDRA

                                                       ADDRESS     :          4690 ICICLE RD
   MORTGAGE AMT:               319,200.00              CITY              :    LEAVENWORTH        WA       98826
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            317,939.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,177.5180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080075385                     MORTGAGORS:           Wessel, Thomas

                                                               Wessel, Rathinam Wessel, Rothinam

                                                       ADDRESS     :          428 Firestone Drive
   MORTGAGE AMT:               443,350.00              CITY              :    Silver Spring      MD       20905
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            443,350.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,214.6079.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080078751                     MORTGAGORS:           GOLDEN, RUDY

                                                               GOLDEN, ROSALINDA        GOLDEN, ROSALINDA

                                                       ADDRESS     :          7393 WOODRIDGE WAY
   MORTGAGE AMT:               149,000.00              CITY              :    SAN DIEGO CA       92114
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            148,023.810              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            978.8293.71069         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080083090                     MORTGAGORS:           ALARI, ROSS

                                                       ADDRESS     :          3020 NIGHTWIND CIRCLE
   MORTGAGE AMT:               252,400.00              CITY              :    CORONA    CA       91720
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            251,427.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,743.2794.99507       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080087927                     MORTGAGORS:           MCKINNEY, BRADLEY

                                                               MCKINNEY, DIANA  McKinney, Diana

                                                       ADDRESS     :          180 SUNRISE DRIVE
   MORTGAGE AMT:                69,900.00              CITY              :    KEVIL KY  42053
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:             69,622.660              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           488.75100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080092463                     MORTGAGORS:           BALOG, DOUGLAS
                                                               BALOG, LORRAINE
                                                       ADDRESS     :          292 CHANDELEUR DR
   MORTGAGE AMT:               253,000.00              CITY              :    MOORESVILLE        NC       28117
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            252,558.700              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,856.4289.99875       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080096407                     MORTGAGORS:           PARK, MICHAEL

                                                               PARK, WENDY      PARK, WENDY

                                                       ADDRESS     :          1602 DRAKE DRIVE
   MORTGAGE AMT:               115,000.00              CITY              :    RICHARDSONTX       75080
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            114,712.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           823.87100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080108483                     MORTGAGORS:           HENDRICK, LAWRENCE

                                                       ADDRESS     :          9864 MILLERS COURT
   MORTGAGE AMT:               224,000.00              CITY              :    WARRENTON VA       20186
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            223,294.660              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           1,528.08100.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080115223                     MORTGAGORS:           AKHBARI, RAMIN
                                                               AFSHAR, MASOUMEH
                                                               AKHABARI, JAMSHID

                                                       ADDRESS     :          5603 Maridian Ave.
   MORTGAGE AMT:               252,000.00              CITY              :    SAN JOSE  CA       95118
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            251,005.160              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,719.0880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080120934                     MORTGAGORS:           FLAHERTY, THOMAS

                                                               FLAHERTY, TERRIE

                                                       ADDRESS     :          7460 ADELAIDE COURT
   MORTGAGE AMT:               268,440.00              CITY              :    SPARKS    NV       89436
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            267,307.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,900.0194.99981       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080123748                     MORTGAGORS:           HOCKING, RICK

                                                               HOCKING, KRISTI  HOCKING, KRISTI

                                                       ADDRESS     :          1302 HORNE COURT
   MORTGAGE AMT:               278,600.00              CITY              :    BRENTWOOD CA       94513
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            278,382.660              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,900.5579.98645       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080123987                     MORTGAGORS:           BHARUCHA, STEPHEN

                                                       ADDRESS     :          70 EAST 93RD STREET
   MORTGAGE AMT:               300,000.00              CITY              :    NEW YORK  NY       10128
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            298,412.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,046.5360.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080135502                     MORTGAGORS:           LEWANDOWSKI, ROBERT

                                                               LEWANDOWSKI, JUDITH      LEWANDOWSKI, JUDITH

                                                       ADDRESS     :          1016 S. 22nd Street
   MORTGAGE AMT:                90,000.00              CITY              :    LAFAYETTE IN       47905
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:             89,826.650              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           676.14100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080136856                     MORTGAGORS:           MAY, MICHAEL

                                                       ADDRESS     :          3 HENINGTON DRIVE
   MORTGAGE AMT:               650,000.00              CITY              :    HATTIESBURG        MS       39402
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            646,594.580              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,215.8979.75460       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080142409                     MORTGAGORS:           GROSS, ROBERT

                                                               GROSS, ANGELA    GROSS, ANGELA

                                                       ADDRESS     :          428 PENN VALLEY ROAD
   MORTGAGE AMT:               428,000.00              CITY              :    NARBERTH  PA       19072
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            427,064.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,029.3680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080144199                     MORTGAGORS:           ARENSMEYER, JOHN

                                                       ADDRESS     :          12515 ROYAL CROWN DRIVE
   MORTGAGE AMT:               227,000.00              CITY              :    GERMANTOWNMD       20876
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            226,368.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           1,645.91100.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080145410                     MORTGAGORS:           HOWLE, ROY

                                                               HOWLE, NANCY     Howle, Nancy

                                                       ADDRESS     :          15693 RENTON COURT
   MORTGAGE AMT:               203,600.00              CITY              :    MONTCLAIR VA       22026
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            203,083.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,337.5199.95336       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080149123                     MORTGAGORS:           GLASS, PRESTON

                                                       ADDRESS     :          7305 RADER COURT
   MORTGAGE AMT:                95,000.00              CITY              :    CLIMAX    NC       27233
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:             94,735.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           688.82100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080151269                     MORTGAGORS:           EDWARDS, KEITH

                                                               EDWARDS, JULIE   Edwards, Julie

                                                       ADDRESS     :          4205 BAY VILLA AVENUE
   MORTGAGE AMT:                83,900.00              CITY              :    TAMPA FL  33611
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:             83,678.210              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           622.96100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080159387                     MORTGAGORS:           MITCHELL, BRENDA

                                                               MITCHELL, RALPH  MITCHELL, RALPH

                                                       ADDRESS     :          12220 E SAGITTARIUS DR
   MORTGAGE AMT:               404,000.00              CITY              :    WILLIS    TX       77378
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            403,748.880              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,070.7080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080159718                     MORTGAGORS:           DAVIS, THOMAS

                                                               DAVIS, RENEE     DAVIS, RENEE

                                                       ADDRESS     :          1507 BARCELONA DRIVE
   MORTGAGE AMT:                93,000.00              CITY              :    KNOXVILLE TN       37923
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:             92,721.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           650.27100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080159767                     MORTGAGORS:           MILLS, PATRICIA

                                                       ADDRESS     :          507 SOUTH 21ST STREET
   MORTGAGE AMT:                55,500.00              CITY              :    PADUCAH   KY       42003
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:             55,356.980              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           416.95100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080160179                     MORTGAGORS:           KELLY, LAUCHLIN

                                                               KELLY, DEBORAH   KELLY, DEBORAH

                                                       ADDRESS     :          1693 HUNTING CREEK DRIVE
   MORTGAGE AMT:               380,800.00              CITY              :    ALEXANDRIAVA       22314
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            380,531.230              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,728.1079.99429       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080160385                     MORTGAGORS:           NGUYEN, TRUNG

                                                               QUACH, HANH

                                                       ADDRESS     :          3703 VALLEY OAKS DRIVE
   MORTGAGE AMT:               370,700.00              CITY              :    FAIRFAX   VA       22033
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            370,424.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,591.9980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080162621                     MORTGAGORS:           PASHIA, CHRISTINE

                                                       ADDRESS     :          8908 APACHE LANE
   MORTGAGE AMT:                66,500.00              CITY              :    ST.LOUIS  MO       63114
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:             66,300.730              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           464.98100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080163314                     MORTGAGORS:           CLOUSE, JEFFREY

                                                       ADDRESS     :          1019 PINEBUR ROAD
   MORTGAGE AMT:               120,000.00              CITY              :    JAMESTOWN NC       27282
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            119,666.410              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           870.08100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080164866                     MORTGAGORS:           DEVINE, TIMOTHY

                                                               DEVINE, KAREN    DEVINE, KAREN

                                                       ADDRESS     :          2024 KEHOE AVENUE
   MORTGAGE AMT:               296,000.00              CITY              :    SAN MATEO CA       94403
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            294,915.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,095.0780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080174550                     MORTGAGORS:           STRINGER, KOREY

                                                       ADDRESS     :          9540 WYOMING AVENUE SOUTH
   MORTGAGE AMT:               316,000.00              CITY              :    BLOOMINGTON        MN       55438
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            314,497.390              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,155.6880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080177033                     MORTGAGORS:           MARX, JERRY

                                                       ADDRESS     :          3610 29TH STREET
   MORTGAGE AMT:               125,000.00              CITY              :    CHESAPEAKEMD       20732
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            124,661.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           917.21100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080183429                     MORTGAGORS:           ANNESTEDT, DAVID

                                                               ANNESTEDT, CARRIE

                                                       ADDRESS     :          3717 ROYAL VALLEY ROAD
   MORTGAGE AMT:               100,000.00              CITY              :    GRAND PRAIR        TX       75052
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:             99,676.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           751.27100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080186919                     MORTGAGORS:           COOKS, KENNETH

                                                               COOKS, REGENIA   Cooks, Regenia

                                                       ADDRESS     :          4011 SHINING STAR DRIVE
   MORTGAGE AMT:               139,000.00              CITY              :    COLORADO SP        CO       80925
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            138,542.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           983.83100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080186943                     MORTGAGORS:           Elias, Patrik

                                                       ADDRESS     :          1005 Smith Manor Boulevar
   MORTGAGE AMT:               295,200.00              CITY              :    West Orange        NJ       07052
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            295,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,191.8580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080192214                     MORTGAGORS:           HEINO, CHARLES

                                                               HEINO, NANCY

                                                       ADDRESS     :          12105 CENTER AVENUE
   MORTGAGE AMT:               562,500.00              CITY              :    SAN MARTINCA       95046
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            560,386.480              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,933.0875.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080193782                     MORTGAGORS:           CAREY, JOHN

                                                               CAREY, JOAN      CAREY, JOAN

                                                       ADDRESS     :          19 DELAWARE ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    MEDFIELD  MA       02052
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            299,553.330              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,097.6452.64081       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080193790                     MORTGAGORS:           RHODES, GERALD

                                                               RHODES, SHARON   RHODES, SHARON

                                                       ADDRESS     :          1415 WESLEYS RUN
   MORTGAGE AMT:               551,200.00              CITY              :    GLADWYN   PA       19035
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            549,944.690              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,854.0880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080203391                     MORTGAGORS:           CONDE, KRIS

                                                               CONDE, JESSE

                                                       ADDRESS     :          10 JOHN BEAL DRIVE
   MORTGAGE AMT:               390,550.00              CITY              :    BOOTHWYN  PA       19061
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            390,313.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,003.0089.99159       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080209174                     MORTGAGORS:           GILLAM, CHAD

                                                               BEACH, KARA

                                                       ADDRESS     :          7350 SOUTH IVY WAY
   MORTGAGE AMT:               221,500.00              CITY              :    ENGLEWOOD CO       80110
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            220,884.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           1,606.03100.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080210206                     MORTGAGORS:           DRILL, ROBIN

                                                       ADDRESS     :          30 MONUMENT SQUARE
   MORTGAGE AMT:               330,300.00              CITY              :    BOSTON    MA       02129
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            329,334.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,337.8590.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080214331                     MORTGAGORS:           VANDER PUTTE, MICHAEL

                                                       ADDRESS     :          78 DERBY AVENUE
   MORTGAGE AMT:               252,000.00              CITY              :    GREENLAWN NY       11740
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            251,817.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,783.6580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080215312                     MORTGAGORS:           HAMILTON, JACQUELYN

                                                               HAMILTON, THOMAS

                                                       ADDRESS     :          30 CABOT STREET
   MORTGAGE AMT:               480,000.00              CITY              :    WINCHESTERMA       01890
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            479,416.380              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,690.7880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080216203                     MORTGAGORS:           REIFER, JOSEPH

                                                               REIFER, DEBORAH

                                                       ADDRESS     :          5308 MARDEN STREET
   MORTGAGE AMT:               305,550.00              CITY              :    DAVIS CA  95616
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            305,187.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,376.5479.98900       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080216765                     MORTGAGORS:           CHILTON, MICHAEL

                                                       ADDRESS     :          3955 E WASHITA
   MORTGAGE AMT:               210,000.00              CITY              :    Springfield        MO       65809
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            209,738.020              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           1,596.15100.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080222953                     MORTGAGORS:           BORCHETTA, MICHAEL

                                                               BARRETTE, KRISTINE       BARRETTE, KRISTINE

                                                       ADDRESS     :          268 CASCADE ROAD
   MORTGAGE AMT:               335,100.00              CITY              :    STAMFORD  CT       06903
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            334,880.800              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,488.1169.07854       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080223647                     MORTGAGORS:           BARBER, MICHAEL

                                                       ADDRESS     :          915 OLD OAK ROAD
   MORTGAGE AMT:               330,000.00              CITY              :    LIVERMORE CA       94550
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            330,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,364.1755.30176       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080225782                     MORTGAGORS:           LECUNA, DANIEL

                                                               LECUNA, DEBRA    LECUNA, DEBRA

                                                       ADDRESS     :          40 WINTERFIELD ROAD
   MORTGAGE AMT:               261,450.00              CITY              :    IRVINE    CA       92602
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            261,274.570              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,918.4379.99327       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080226905                     MORTGAGORS:           SMITH, BARRY

                                                               SMITH, CANDACE

                                                       ADDRESS     :          4 BERGER COURTT
   MORTGAGE AMT:               263,000.00              CITY              :    MIDDLETOWNDE       19709
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            262,804.810              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,838.9479.75014       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080229503                     MORTGAGORS:           Quan, Norman

                                                               Quan, Brenda     Quan, Brenda

                                                       ADDRESS     :          138 Mattos Court
   MORTGAGE AMT:               405,000.00              CITY              :    Danville  CA       94506
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            405,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,007.1151.92000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080229578                     MORTGAGORS:           BRESLER, MARTIN

                                                               BRESLER, CATHRINE        BRESLER, CATHRINE

                                                       ADDRESS     :          6433 LYONS STREET
   MORTGAGE AMT:               330,000.00              CITY              :    MORTON GROV        IL       60053
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            330,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,421.4354.09836       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080231384                     MORTGAGORS:           LONG, RANDY

                                                       ADDRESS     :          6351 W SOUTH WIND DRIVE
   MORTGAGE AMT:               244,000.00              CITY              :    GLENDALE  AZ       85310
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            242,609.510              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,643.8880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080232143                     MORTGAGORS:           WILLIAMS, JOHN

                                                               WILLIAMS, MARTHA

                                                       ADDRESS     :          6831 LANCASTER PIKE
   MORTGAGE AMT:               375,000.00              CITY              :    HOCKESSIN DE       19707
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            374,507.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,784.3668.80734       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080232168                     MORTGAGORS:           SAWYER, VICKI

                                                               SIDES, WILLIAM

                                                       ADDRESS     :          3510 FOX PLACE
   MORTGAGE AMT:               130,000.00              CITY              :    GREENSBORONC       27408
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            129,699.030              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           976.65100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080232986                     MORTGAGORS:           BROwN, DAVID

                                                               DONNER, ANN

                                                       ADDRESS     :          457 WATHAM STREET
   MORTGAGE AMT:               324,400.00              CITY              :    NEWTON    MA       02465
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            323,995.330              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,465.6780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080234669                     MORTGAGORS:           TOMALA, SLAWOMIR

                                                               TOMALA, ELZBIETA

                                                       ADDRESS     :          361 RIDGE ROAD
   MORTGAGE AMT:               400,000.00              CITY              :    HIGHLAND PA        IL       60035
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            397,487.060              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,040.2955.71031       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080236201                     MORTGAGORS:           STONER, MARK

                                                               STONER, TANJA

                                                       ADDRESS     :          12 ROLLING RIDGE
   MORTGAGE AMT:               274,250.00              CITY              :    LAS FLORESCA       92688
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            274,061.260              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,988.5179.99125       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080236441                     MORTGAGORS:           KANE, MATTHEW

                                                               INERNEY KANE, KATHLEEN   INERNEY KANE, KATHLEEN

                                                       ADDRESS     :          446 RAMSEY ROAD
   MORTGAGE AMT:               249,850.00              CITY              :    LOWER MAKEF        PA       19607
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            249,698.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,921.1395.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080236987                     MORTGAGORS:           REED, WENDY

                                                       ADDRESS     :          244 WINDROSE COURT
   MORTGAGE AMT:               283,650.00              CITY              :    THOUSAND OA        CA       91320
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            283,449.810              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,032.1079.99876       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080237993                     MORTGAGORS:           POWELL, EDWARD

                                                               POWELL, JULIE

                                                       ADDRESS     :          740 PINEWOOD AVE
   MORTGAGE AMT:                79,000.00              CITY              :    CHUBBUCK  ID       83202
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:             78,839.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           586.58100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080238561                     MORTGAGORS:           DAWKINS, KEVINS

                                                               DAWKINS, LEE

                                                       ADDRESS     :          126-128 Washington Ave.
   MORTGAGE AMT:               260,000.00              CITY              :    HASTINGS ON        NY       10706
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            260,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,907.7962.65060       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080238850                     MORTGAGORS:           LEONARD, GREGORY

                                                               LEONARD, KAREN   LEONARD, KAREN

                                                       ADDRESS     :          1310 BRINTON BRIDGE ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    CHADDS FORD        PA       19317
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            299,777.360              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,097.6476.23888       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080244817                     MORTGAGORS:           SUTTON, ROBERT

                                                               SUTTON, DAWN     SUTTON, DAWN

                                                       ADDRESS     :          1906 DORCAS LANE
   MORTGAGE AMT:               252,000.00              CITY              :    WILMINGTONDE       19806
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            251,851.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,960.0389.20354       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080245061                     MORTGAGORS:           KREMER, WILLIAM

                                                               KRAMER, PAULA    KRAMER, PAULA

                                                       ADDRESS     :          156 BRATTLE STREET
   MORTGAGE AMT:             1,000,000.00              CITY              :    CAMBRIDGE MA       02138
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            997,973.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            7,337.6540.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  103        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080245400                     MORTGAGORS:           RHODES, JEFFREY

                                                       ADDRESS     :          505 DAVIS STREET
   MORTGAGE AMT:                98,930.00              CITY              :    BROOKSTON IN       47923
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:             98,796.780              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           725.92100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080245509                     MORTGAGORS:           KLEIN, DAVID

                                                               KLEIN, DEBORAH   KLEIN, DEBORAH

                                                       ADDRESS     :          24 BELLE FAIR ROAD
   MORTGAGE AMT:               370,750.00              CITY              :    RYE BROOK NY       10573
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            370,467.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,560.6884.99580       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080245582                     MORTGAGORS:           PRATER, ROBERT

                                                               M.Prater, VERNA  M.Prater, Verna

                                                       ADDRESS     :          35 SIGNAL POINT
   MORTGAGE AMT:                85,500.00              CITY              :    BELLEVILLEIL       62223
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:             85,343.480              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           657.43100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080246473                     MORTGAGORS:           CHIDIAC, CARL
                                                               CHIDIAC, LISA
                                                               TOLLEFSON, MARC  TOLLEFSON, NANCY

                                                       ADDRESS     :          7202 112TH AVE SE
   MORTGAGE AMT:               332,000.00              CITY              :    NEWCASTLE WA       98056
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            331,552.980              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,436.1080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080248396                     MORTGAGORS:           WHEATON, TODD

                                                               WHEATON, GAIL    WHEATON, GAIL

                                                       ADDRESS     :          58 HELMSFORD WAY
   MORTGAGE AMT:               275,900.00              CITY              :    PENFIELD  NY       14526
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            274,902.380              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,000.4694.48630       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080251812                     MORTGAGORS:           EPLEY, GREGORY

                                                               EPLEY, DALE      EPLEY, DALE

                                                       ADDRESS     :          2445 TEAKWOOD MANOR DRIVE
   MORTGAGE AMT:                69,900.00              CITY              :    FLORISSANTMO       63031
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:             69,667.570              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           525.14100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080253040                     MORTGAGORS:           LOVETT, ROBERT

                                                       ADDRESS     :          7200 RIDGEMOUNT LANE
   MORTGAGE AMT:               198,700.00              CITY              :    THE PLAINSVA       20198
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            198,418.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           1,423.52100.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080256969                     MORTGAGORS:           Shigetsu, Yoshiaki

                                                       ADDRESS     :          11 Hollyhock Drive
   MORTGAGE AMT:               263,250.00              CITY              :    IRVINE    CA       92602
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            263,250.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,885.9676.17000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080257397                     MORTGAGORS:           ROLLINS, WILLIAM

                                                               ROLLINS, MARY    ROLLINS, MARY

                                                       ADDRESS     :          6632 BENTWINDS LANE
   MORTGAGE AMT:               337,500.00              CITY              :    FUQUAY VARI        NC       27526
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            335,561.240              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,565.2575.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080258247                     MORTGAGORS:           MORGAN, CHRISTINE
                                                               MORGAN, ROBERT
                                                               MORGAN, KATHERINE

                                                       ADDRESS     :          111 HICKS STREET
   MORTGAGE AMT:               106,800.00              CITY              :    BROOKLYN  NY       11201
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            106,735.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            821.2080.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080259104                     MORTGAGORS:           SULLIVAN, PAUL

                                                       ADDRESS     :          9904 KENDALE ROAD
   MORTGAGE AMT:               500,000.00              CITY              :    POTOMAC   MD       20854
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            498,637.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,496.0853.90836       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080259153                     MORTGAGORS:           WALTERS, FINLEY

                                                               WALTERS, EMMA

                                                       ADDRESS     :          1012 SUNSET STREET
   MORTGAGE AMT:               348,650.00              CITY              :    YORKTOWN HE        NY       10598
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            347,623.330              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,527.9674.99462       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080262991                     MORTGAGORS:           CAVALLARI, LILLIE

                                                       ADDRESS     :          157-23 10TH AVENUE
   MORTGAGE AMT:               339,000.00              CITY              :    BEECHHURSTNY       11357
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            338,760.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,428.6467.93587       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080263205                     MORTGAGORS:           MCCORMACK, MARK

                                                               MCCORMACK, DEBORAH       MCCORMACK, DEBORAH

                                                       ADDRESS     :          40 SHERWOOD LANE
   MORTGAGE AMT:               259,825.00              CITY              :    LAKEVILLE MA       02347
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            259,475.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,906.5195.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080264237                     MORTGAGORS:           SCHUSTER, JOSEPH

                                                               SCHUSTER, MARY

                                                       ADDRESS     :          8690 FLOWERING CHERRY LAN
   MORTGAGE AMT:               257,650.00              CITY              :    LAUREL    MD       20723
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            257,485.700              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,935.6479.99069       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080264302                     MORTGAGORS:           VALERIOTI, JEFFREY

                                                               VALERIOTI, BARBARA

                                                       ADDRESS     :          108 HILLCREST
   MORTGAGE AMT:               269,800.00              CITY              :    STAMFORD  CT       06902
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            269,306.180              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,074.5395.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080265747                     MORTGAGORS:           REED, BRIAN

                                                               REED, SUSAN      REED, SUSAN

                                                       ADDRESS     :          10 PORTSMITH COURT
   MORTGAGE AMT:               281,450.00              CITY              :    ALGONQUIN IL       60102
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            280,850.180              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,016.3589.98970       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080265846                     MORTGAGORS:           LAMBERTH, TERRI

                                                       ADDRESS     :          6105 SUGAR HILL DRIVE
   MORTGAGE AMT:                95,000.00              CITY              :    ANGLETON  TX       77515
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:             94,787.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           738.90100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080266737                     MORTGAGORS:           WALTERS, JOHN

                                                               WALTERS, VICTORIA

                                                       ADDRESS     :          161 SYCAMORE AVENUE
   MORTGAGE AMT:               275,000.00              CITY              :    SHREWSBURYNJ       07702
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            274,820.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,041.8770.51282       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080266786                     MORTGAGORS:           TRIBBY, MICHAEL

                                                               TRIBBY, JUDITH

                                                       ADDRESS     :          131 LYNN DRIVE
   MORTGAGE AMT:               284,000.00              CITY              :    CATAULA   GA       31804
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            283,818.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,133.6081.14286       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080269301                     MORTGAGORS:           ELLIS, TIMOTHY

                                                               ELLIS, MARLENE

                                                       ADDRESS     :          2195 GLENMORRIE LANE
   MORTGAGE AMT:               172,000.00              CITY              :    LAKE OSWEGO        OR       97034
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            171,567.850              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,307.3380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080269723                     MORTGAGORS:           MALOTT, RAYMOND

                                                               MALOTT, CLAUDIA  MALOTT, CLAUDIA

                                                       ADDRESS     :          4781S PARRISH LANE
   MORTGAGE AMT:               450,000.00              CITY              :    POWELL BUTT        OR       97753
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            448,748.970              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,262.8275.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080270028                     MORTGAGORS:           HOYLE, STEVE

                                                               HOYLE, CATHY     HOYLE, CATHY

                                                       ADDRESS     :          916 CHAFFIN COURT
   MORTGAGE AMT:               248,000.00              CITY              :    FOLSOM    CA       95630
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            247,806.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,691.8079.94275       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080270093                     MORTGAGORS:           PERKINS, BARBARA

                                                               CANFIELD, ANDREA

                                                       ADDRESS     :          87 HILLCREST ROAD
   MORTGAGE AMT:               285,000.00              CITY              :    WARREN    NJ       07060
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            284,822.850              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,166.2195.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080271224                     MORTGAGORS:           MAULTZ, MAREK

                                                               MAULTZ, TERESA   MAULTZ, TERESA

                                                       ADDRESS     :          15 WILTON ACRES
   MORTGAGE AMT:               400,000.00              CITY              :    WILTON    CT       06897
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            400,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,900.2879.84032       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080271265                     MORTGAGORS:           BROWN, JEFFRY

                                                       ADDRESS     :          150 COLUMBUS AVENUE
   MORTGAGE AMT:               350,000.00              CITY              :    NEW YORK  NY       10023
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            349,803.780              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,784.7676.92308       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080271604                     MORTGAGORS:           HOFFMAN, MARK

                                                               HOFFMAN, CHRISTINE       HOFFMAN, CHRISTINE

                                                       ADDRESS     :          305 CHAPLIN LANE
   MORTGAGE AMT:               308,750.00              CITY              :    San Luis Obispo    CA       93405
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            308,750.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,346.7295.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080271695                     MORTGAGORS:           BRANDT, MICHAEL

                                                               FOSTER, DANA     FOSTER, DANA

                                                       ADDRESS     :          46923 SHALE COMMON #3
   MORTGAGE AMT:               176,700.00              CITY              :    FREMONT   CA       94539
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            176,473.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,327.4995.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080271703                     MORTGAGORS:           MORTENSEN, GARY

                                                               MORTENSEN, KAYLENE       MORTENSEN, KAYLENE

                                                       ADDRESS     :          535 ECHO VALLEY ROAD
   MORTGAGE AMT:               312,000.00              CITY              :    SALINAS   CA       93907
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            311,785.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,262.2285.36252       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080271844                     MORTGAGORS:           KELLY, PAUL

                                                               TOBIN, PATRICIA

                                                       ADDRESS     :          2010 PRAIRIE STREET
   MORTGAGE AMT:               289,000.00              CITY              :    GLENVIEW  IL       60025
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            288,820.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,196.6165.83144       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080271851                     MORTGAGORS:           WORTECK, SUSAN

                                                               WORTECK,, EDWARD Worteck, Edward

                                                       ADDRESS     :          17-C WEBB ROAD
   MORTGAGE AMT:               362,250.00              CITY              :    Chadds Ford        PA       19317
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            362,250.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,626.5690.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080272362                     MORTGAGORS:           CERINI, KENNETH

                                                       ADDRESS     :          35 LOCUST DRIVE
   MORTGAGE AMT:               274,400.00              CITY              :    NESCONSET NY       11767
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            274,237.990              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,134.2680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080272693                     MORTGAGORS:           COCHRAN, JAMES

                                                               COCHRAN, NANCY

                                                       ADDRESS     :          44200 CHATHAM WAY
   MORTGAGE AMT:               254,800.00              CITY              :    ASHBURN   VA       20147
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            254,637.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,914.2380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080273154                     MORTGAGORS:           BENTLEY, KRISTINA

                                                               BENTLEY, THOMAS  Bentley, Thomas

                                                       ADDRESS     :          9 CLINTON STREET,
   MORTGAGE AMT:               293,550.00              CITY              :    FAIRFIELD CT       06430
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            292,999.480              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,257.1595.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080273204                     MORTGAGORS:           FLORIO, RICHARD

                                                               FLORIO, BARBARA

                                                       ADDRESS     :          912 CHAFFIN COURT
   MORTGAGE AMT:               294,600.00              CITY              :    FOLSOM    CA       95630
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            294,421.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,265.2279.99848       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080274277                     MORTGAGORS:           WOJCIKOWSKI, KAROL

                                                               WOJCIKOWSKI, ANNE

                                                       ADDRESS     :          47436 MIDDLE BLUFF PLACE
   MORTGAGE AMT:               293,850.00              CITY              :    STERLING  VA       20165
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            293,121.380              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,079.8572.78109       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080274293                     MORTGAGORS:           SMITH, ROGER

                                                               SMITH, MARGARET  SMITH, MARGARET

                                                       ADDRESS     :          6844 CORDER LANE
   MORTGAGE AMT:               356,600.00              CITY              :    LORTON    VA       22079
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            356,131.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,647.7479.99910       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080274434                     MORTGAGORS:           LIM, EDGAR

                                                               VILLAPANDO, GRACE

                                                       ADDRESS     :          100 BRYCE COURT
   MORTGAGE AMT:               306,000.00              CITY              :    MANALAPAN NJ       07726
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            306,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,325.8290.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080274509                     MORTGAGORS:           CHACKO, KOSHY

                                                       ADDRESS     :          5 BYRAM BROOK PLACE
   MORTGAGE AMT:               448,000.00              CITY              :    ARMONK    NY       10504
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            447,748.840              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,564.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080274913                     MORTGAGORS:           MOTLEY, TERI

                                                               GILMORE, JULIA

                                                       ADDRESS     :          659 COMMERCIAL STREET
   MORTGAGE AMT:               310,000.00              CITY              :    PROVINCETOW        MA       02649
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            309,792.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,274.6743.66197       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080275258                     MORTGAGORS:           VENDT, ROBERT

                                                               VENDT, LAURA

                                                       ADDRESS     :          7151 KATIE DRIVE
   MORTGAGE AMT:               324,000.00              CITY              :    SHELBY TOWN        MI       48316
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            324,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,491.2889.79547       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080275324                     MORTGAGORS:           WELLS, MICHAEL

                                                               WELLS, JACQUELINE        WELLS, JACQUELINE

                                                       ADDRESS     :          1050 Ardsley Road
   MORTGAGE AMT:               380,000.00              CITY              :    Charlotte NC       28207
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            380,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,888.2766.67000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080275597                     MORTGAGORS:           MENGHINI STA, DAWN

                                                               STASIAK, FRANK

                                                       ADDRESS     :          25731 WEST LAKE
   MORTGAGE AMT:               272,800.00              CITY              :    MAPLE VALLE        WA       98038
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            272,630.440              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,073.4889.99327       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080275951                     MORTGAGORS:           POPE, JOHN

                                                               POPE, LINDA

                                                       ADDRESS     :          19 CHAPMAN DRIVE
   MORTGAGE AMT:               430,000.00              CITY              :    MASSAPEQUANY       11762
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            430,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,155.1976.10619       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080276041                     MORTGAGORS:           JACKSON, KIM

                                                               JACKSON, MICHAEL

                                                       ADDRESS     :          12421 PLANTATION DRIVE
   MORTGAGE AMT:               400,000.00              CITY              :    BRANDYWINEMD       20613
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            399,724.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,900.2880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080276413                     MORTGAGORS:           WILLIAMS BLO, DEBORAH

                                                               WILLIAMS, HAROLD

                                                       ADDRESS     :          11993 EAST MERCER LANE
   MORTGAGE AMT:               268,400.00              CITY              :    SCOTTSDALEAZ       85259
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            268,237.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,063.7779.99881       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080276611                     MORTGAGORS:           HAIGH, HARVEY

                                                       ADDRESS     :          955 CERRO DE LA PAZ
   MORTGAGE AMT:               259,000.00              CITY              :    SANTA FE  NM       87501
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            258,843.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,991.4970.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080278799                     MORTGAGORS:           BURGESS, QUENTIN

                                                               LEATH, ANNETTE   LEATH, ANNETTE

                                                       ADDRESS     :          12101 GUINEVERE PLACE
   MORTGAGE AMT:               257,520.00              CITY              :    GLENN DALEMD       20769
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            257,359.940              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,957.3494.99989       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080278971                     MORTGAGORS:           MURCIA, LUIS

                                                               MURCIA, LUCINDA

                                                       ADDRESS     :          150 WINDSOR LANE
   MORTGAGE AMT:               310,400.00              CITY              :    PELHAM    AL       35124
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            310,211.960              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,386.7180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080279078                     MORTGAGORS:           SHARPTON, THOMAS

                                                       ADDRESS     :          6508 TIFFANY COMMON
   MORTGAGE AMT:               279,280.00              CITY              :    LIVERMORE CA       94550
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            278,884.490              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,000.8079.99908       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080279581                     MORTGAGORS:           LEE, ANDREW

                                                               LEE, CAROLINE    LEE, CAROLINE

                                                       ADDRESS     :          18 GREENWOOD ROAD
   MORTGAGE AMT:               380,000.00              CITY              :    HOPKINTON MA       02171
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            379,738.480              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,755.2776.20621       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080279664                     MORTGAGORS:           BARTON, STEPHEN

                                                               BARTON, BETTY

                                                       ADDRESS     :          5515 BLUE RIDGE DRIVE
   MORTGAGE AMT:               650,000.00              CITY              :    YORBA LINDA        CA       92887
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            649,585.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,883.2377.28894       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080279813                     MORTGAGORS:           LENANE, BRAD

                                                               LENANE, ANN      LENANE, ANN

                                                       ADDRESS     :          2053 MONTANA DRIVE
   MORTGAGE AMT:               482,400.00              CITY              :    GOLDEN    CO       80401
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            482,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,624.1280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080280746                     MORTGAGORS:           ROACH, DAVID

                                                               ROACH, MARIE     ROACH, MARIE

                                                       ADDRESS     :          6356 BANNISTER DRIVE
   MORTGAGE AMT:               248,450.00              CITY              :    FREDERICK MD       21701
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            248,274.650              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,779.9279.99343       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080280761                     MORTGAGORS:           BERTHOD, DEAN

                                                               BERTHOD, DEBRAH

                                                       ADDRESS     :          107 BEVERLY ROAD
   MORTGAGE AMT:               283,050.00              CITY              :    WHITE PLAIN        NY       10605
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            282,887.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,226.7690.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080281082                     MORTGAGORS:           ESSES, NATHAN

                                                               ESSES, MAUREEN   ESSES, MAUREEN

                                                       ADDRESS     :          309 AVENUE J
   MORTGAGE AMT:               360,000.00              CITY              :    BROOKLYN  NY       11230
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            359,787.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,800.0590.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080281264                     MORTGAGORS:           D'ALESSANDRO, ALICE

                                                       ADDRESS     :          91 VERMONT STREET
   MORTGAGE AMT:               260,100.00              CITY              :    LONG BEACHNY       11561
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            259,170.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,863.3990.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080281587                     MORTGAGORS:           HARRIS, CARROLL

                                                               HARRIS, MICHELLE Harris, Michelle

                                                       ADDRESS     :          17207 ASPEN LEAF DRIVE
   MORTGAGE AMT:               336,000.00              CITY              :    BOWIE MD  20716
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            335,512.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,378.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080281785                     MORTGAGORS:           CHANDLER, HAROLD

                                                               CHANDLER, CHRISTINE      CHANDLER, CHRISTINE

                                                       ADDRESS     :          322 BOND AVENUE
   MORTGAGE AMT:               276,900.00              CITY              :    PETALUMA  CA       94954
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            276,736.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,153.7094.99142       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080281819                     MORTGAGORS:           EGERTSON, ERIC

                                                               EGERTSON, ROBINA EGERTSON, ROBINA

                                                       ADDRESS     :          5 KATHLEEN DR
   MORTGAGE AMT:               492,000.00              CITY              :    ANDOVER   MA       01810
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            491,320.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,567.3480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080281991                     MORTGAGORS:           FISHER, CHRIS

                                                               PETERSON, MICHAEL        PETERSON, MICHAEL

                                                       ADDRESS     :          1695 HUNTING CREEK DRIVE
   MORTGAGE AMT:               327,000.00              CITY              :    ALEXANDRIAVA       22314
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            326,796.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,485.4471.58416       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080283302                     MORTGAGORS:           SWEENEY, JOHN

                                                               SWEENEY, DONNA   SWEENEY, DONNA

                                                       ADDRESS     :          335 HIGH SIERRA DRIVE
   MORTGAGE AMT:               310,500.00              CITY              :    EXETER    CA       93221
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            310,311.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,387.4890.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080283880                     MORTGAGORS:           FLEMING, THOMAS

                                                               FLEMING, FAWN

                                                       ADDRESS     :          336 MAIN STREET
   MORTGAGE AMT:               264,500.00              CITY              :    STATEN ISLA        NY       10307
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            264,339.760              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,033.7878.95522       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080284466                     MORTGAGORS:           LANIER, TERRY

                                                               LANIER, LAURA    LANIER, LAURA

                                                       ADDRESS     :          8120 WOODLAND HILLS LANE
   MORTGAGE AMT:               300,000.00              CITY              :    FAIRFAX STA        VA       22039
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            299,344.460              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,123.3861.97272       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080286255                     MORTGAGORS:           WOOD, CRAIG

                                                               BRIMM, PATRICIA

                                                       ADDRESS     :          13 SOUTH HAMPSHIRE COURT
   MORTGAGE AMT:               360,000.00              CITY              :    WILMINGTONDE       19807
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            359,758.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,641.5578.26087       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080286925                     MORTGAGORS:           BLACKWELL, MELVIN

                                                               BLACKWELL, DORIS

                                                       ADDRESS     :          8209 STRATHMORE LANE
   MORTGAGE AMT:               290,400.00              CITY              :    ROANOKE   VA       24018
   LIFETIME RATE :               9.25000
   UNPAID BALANCE:            290,097.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,389.0589.99070       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080286933                     MORTGAGORS:           PATEL, AMRATLAL

                                                       ADDRESS     :          6512 SUMMERCHASE DR
   MORTGAGE AMT:               400,000.00              CITY              :    FAYETTEVILL        NC       28311
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            399,757.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,075.6574.07407       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080287238                     MORTGAGORS:           ULICHNIE, DANIEL

                                                               ULICHNIE, LORI   ULICHNIE, LORI

                                                       ADDRESS     :          14834 SOUTH 5TH AVENUE
   MORTGAGE AMT:               465,450.00              CITY              :    PHOENIX   AZ       85048
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            465,450.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,537.7689.99646       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080288095                     MORTGAGORS:           WADE, ERNESTINE

                                                       ADDRESS     :          1997 KIRBY WAY
   MORTGAGE AMT:               281,800.00              CITY              :    SAN JOSE  CA       95124
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            281,615.660              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,092.3667.09524       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080288111                     MORTGAGORS:           KILCHRIST, JOSEPH

                                                       ADDRESS     :          274 MURTHA STREET
   MORTGAGE AMT:               290,850.00              CITY              :    ALEXANDRIAVA       22304
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            290,468.210              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,159.5589.99489       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080288467                     MORTGAGORS:           EVANS, GREGORY

                                                               EVANS, HILDA

                                                       ADDRESS     :          8816 BLACK ALDER DRIVE
   MORTGAGE AMT:               248,900.00              CITY              :    ALEXANDRIAVA       22309
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            248,313.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,697.9495.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080289135                     MORTGAGORS:           TEUFEL, EDWARD

                                                               TEUFEL, EMILY    TEUFEL, EMILT

                                                       ADDRESS     :          20 VERONICA LANE
   MORTGAGE AMT:               365,400.00              CITY              :    FALMOUTH  ME       04105
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            365,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,874.6184.99651       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080289275                     MORTGAGORS:           RICKARDS, RONALD

                                                               RICKARDS, ESTER  RICKARDS, ESTER

                                                       ADDRESS     :          2031 IROULA WAY
   MORTGAGE AMT:               268,250.00              CITY              :    TRACY CA  95376
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            267,932.120              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,086.4294.99442       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080289721                     MORTGAGORS:           COHEN, RICHARD

                                                               COHEN, SHARON    COHEN, SHARON

                                                       ADDRESS     :          1309 EMERSON COURT
   MORTGAGE AMT:               300,000.00              CITY              :    Ambler    PA       19002
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,201.2972.57000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080289770                     MORTGAGORS:           GOFF, JAMES

                                                               GOFF, MARY

                                                       ADDRESS     :          135 SEAVIEW AVENUE
   MORTGAGE AMT:               332,000.00              CITY              :    SWANSEA   MA       02777
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            331,553.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,436.0980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080291446                     MORTGAGORS:           LIN, RICHARD

                                                               LIN, DEBBIE      LIN, DEBBIE

                                                       ADDRESS     :          777 MARY CAROLINE DRIVE
   MORTGAGE AMT:               379,821.00              CITY              :    SAN JOSE  CA       95133
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            379,539.120              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,655.7679.99987       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080291891                     MORTGAGORS:           LIGHTMAN, JAMES

                                                       ADDRESS     :          576 DUTTON ROAD
   MORTGAGE AMT:               469,000.00              CITY              :    SUDBURY   MA       01776
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            468,693.200              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,482.3275.64516       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080292923                     MORTGAGORS:           RODRIGUEZ, JOSE

                                                               RODRIGUEZ, JANICE        RODRIGUEZ, JANICE

                                                       ADDRESS     :          268 MURTHA STREET
   MORTGAGE AMT:               259,300.00              CITY              :    ALEXANDRIAVA       22304
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            259,300.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,902.6579.98766       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080293590                     MORTGAGORS:           HOLMES, WILLIAM

                                                               HOLMES, BETTY

                                                       ADDRESS     :          19350 WING TIP ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    COLORADO SP        CO       80908
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            299,798.700              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,201.3072.11538       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080293996                     MORTGAGORS:           HAGSTROM III, WILLIAM

                                                               HAGSTROM, BARBARA M      Hagstrom, Barbara M

                                                       ADDRESS     :          29725 49TH STREET
   MORTGAGE AMT:               320,000.00              CITY              :    SALEM WI  53168
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            320,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,432.2376.19048       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080294036                     MORTGAGORS:           WILLIAMS, ARTHUR

                                                               WILLIAMS, MARYANN        WILLIAMS, MARYANN

                                                       ADDRESS     :          1 BRECKENRIDGE ROAD
   MORTGAGE AMT:               320,000.00              CITY              :    NORTH ANDOV        MA       01845
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            319,779.770              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,320.2361.65703       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080294127                     MORTGAGORS:           FASANO, NICOLAS

                                                               FASANO, SUSAN    Fasano, Susan

                                                       ADDRESS     :          6231 PINETREE CT
   MORTGAGE AMT:               622,450.00              CITY              :    LONG GROVEIL       60047
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            622,082.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,841.3672.37791       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080294499                     MORTGAGORS:           KITTINGER, KEVIN

                                                               KITTINGER, LINDA KITTINGER, LINDA

                                                       ADDRESS     :          43364 DEEPSPRING COURT
   MORTGAGE AMT:               252,750.00              CITY              :    ASHBURN   VA       20147
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            252,392.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,810.7379.99937       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080294549                     MORTGAGORS:           BOWDEN, MARK

                                                               BOWDEN, CHERYL   BOWDEN, CHERYL

                                                       ADDRESS     :          6418 S TIBET STREET
   MORTGAGE AMT:               246,500.00              CITY              :    AURORA    CO       80016
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            246,354.470              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,917.2558.74461       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080294739                     MORTGAGORS:           Smith, RoseMarie

                                                               Smith, Kelly     Smith, Kelly

                                                       ADDRESS     :          201 West 21st Street
   MORTGAGE AMT:                82,500.00              CITY              :    New York  NY       10011
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:             82,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            627.0675.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080295587                     MORTGAGORS:           AKDENIZ, ROBIN

                                                       ADDRESS     :          133 MIRAMAR WAY
   MORTGAGE AMT:               394,000.00              CITY              :    WEST PALM B        FL       33405
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            393,556.580              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,134.8580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080295686                     MORTGAGORS:           WILSON, CAROLINE

                                                       ADDRESS     :          3603 N. COUNTY ROAD 23E.
   MORTGAGE AMT:               251,200.00              CITY              :    LAPORTE   CO       80535
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            250,878.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,887.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080295694                     MORTGAGORS:           MAGALLON, FRANCISCO

                                                               MAGALLON, GRICELDA       MAGALLON, GRICELDA

                                                       ADDRESS     :          35424 GUSTAVO COURT
   MORTGAGE AMT:               253,500.00              CITY              :    FREMONT   CA       94536
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            253,175.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,904.4688.94737       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080295835                     MORTGAGORS:           KUNZ, STEVEN

                                                               KUNZ, SONDRA     KUNZ, SONDRA

                                                       ADDRESS     :          452 SPRINGVIEW LANE
   MORTGAGE AMT:               468,000.00              CITY              :    PHOENIXVILL        PA       19453
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            467,634.920              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,192.5879.92104       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080295991                     MORTGAGORS:           HETHERINGTON, BRIAN

                                                       ADDRESS     :          126 GRAND VIEW AVENUE
   MORTGAGE AMT:               540,000.00              CITY              :    SAN FRANCIS        CA       94114
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            539,254.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,915.3751.42857       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080296171                     MORTGAGORS:           WALLACE, MICHAEL

                                                       ADDRESS     :          715 HILLSIDE AVENUE
   MORTGAGE AMT:               399,200.00              CITY              :    ALBANY    CA       94706
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            398,591.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,929.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080296254                     MORTGAGORS:           MAST, PATRICIA

                                                       ADDRESS     :          714 SCARBURGH WAY
   MORTGAGE AMT:               264,750.00              CITY              :    ALEXANDRIAVA       22314
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            264,576.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,965.7679.98731       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080296296                     MORTGAGORS:           GONIER, LARRY

                                                               GONIER, JOYCE    GONIER, JOYCE

                                                       ADDRESS     :          3078 98TH STREET EAST
   MORTGAGE AMT:               299,250.00              CITY              :    INVER GROVE        MN       55077
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            299,068.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,300.9795.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080296312                     MORTGAGORS:           ACEVEDO, ANTHONY

                                                               ACEVEDO, MARIA

                                                       ADDRESS     :          5142 CHURCHILL AVENUE
   MORTGAGE AMT:               267,000.00              CITY              :    WESTMINSTER        CA       92683
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            266,592.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,844.1079.94012       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080296338                     MORTGAGORS:           THOMAS, WILLIAM

                                                               THOMAS, LORETTA  THOMAS, LORETTA

                                                       ADDRESS     :          424 CROFTON PARK LANE
   MORTGAGE AMT:               245,850.00              CITY              :    FRANKLIN  TN       37069
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            245,518.960              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,803.9789.99791       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080296437                     MORTGAGORS:           ROCHE, PAUL

                                                               ROCHE, MARY      ROCHE, MARY

                                                       ADDRESS     :          2412 COVERT COURT
   MORTGAGE AMT:               300,000.00              CITY              :    GLENVIEW  IL       60025
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,280.2285.71429       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080297708                     MORTGAGORS:           WOLTERS, MARK

                                                               WOLTERS, CHARMAINE       WOLTERS, CHARMAINE

                                                       ADDRESS     :          68 STANFORD RD EAST
   MORTGAGE AMT:               289,900.00              CITY              :    TRENTON   NJ       08638
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            289,529.010              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,177.9279.86270       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080297898                     MORTGAGORS:           FINLEY, JAMES

                                                               FINLEY, KIMBERLY

                                                       ADDRESS     :          5309 MCGAVOCK ROAD
   MORTGAGE AMT:               365,000.00              CITY              :    BRENTWOOD TN       37027
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            364,761.230              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,710.1270.87379       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080298011                     MORTGAGORS:           PAGUNSAN, CARLOS

                                                               PAGUNSAN, NENA   PAGUNSAN, NENA

                                                       ADDRESS     :          1025 BRUNSWICK STREET
   MORTGAGE AMT:               272,000.00              CITY              :    DALY CITY CA       94014
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            272,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,948.6478.61272       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080298441                     MORTGAGORS:           METTICA, DONALD

                                                               METTICA, MARCEY  METTICA, MARCEY

                                                       ADDRESS     :          FALCON ROAD
   MORTGAGE AMT:               350,000.00              CITY              :    PROSPER   TX       75078
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            350,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,660.2577.77778       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080299043                     MORTGAGORS:           ZUCARO, FAUSTINA

                                                       ADDRESS     :          5 EVANS COURT
   MORTGAGE AMT:               400,000.00              CITY              :    WESTPORT  CT       06880
   LIFETIME RATE :               9.00000
   UNPAID BALANCE:            399,781.510              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,218.4965.04065       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080299357                     MORTGAGORS:           DAUGHERTY, MICHAEL

                                                               DAUGHERTY, BRONWYN       DOUGHERTY, BRONWYN

                                                       ADDRESS     :          PARCEL 126
   MORTGAGE AMT:               340,000.00              CITY              :    LEONARDTOWN        MD       20650
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            340,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,465.2480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080299597                     MORTGAGORS:           DILLON, MARY

                                                       ADDRESS     :          49 FARM ROAD
   MORTGAGE AMT:               285,000.00              CITY              :    SHERBORN  MA       01770
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            285,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,066.4579.49791       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080299878                     MORTGAGORS:           PAUKER, A

                                                       ADDRESS     :          2717 NORTH MOUNTAIN AVENU
   MORTGAGE AMT:               367,200.00              CITY              :    CLAREMONT CA       91711
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            366,959.800              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,726.4580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080300072                     MORTGAGORS:           SCHWARZ, JOSEPH

                                                               SCHWARZ, ANN     SCHWARZ, ANN

                                                       ADDRESS     :          40081 NORTH SHORE DRIVE
   MORTGAGE AMT:               344,000.00              CITY              :    FAWNSKIN  CA       92333
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            343,728.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,554.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080300148                     MORTGAGORS:           DAVIS, SCOTT

                                                               WATSON, KELLY

                                                       ADDRESS     :          9 BRANDYWINE COURT
   MORTGAGE AMT:               265,000.00              CITY              :    MANALAPAN NJ       07726
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            265,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,898.4963.85542       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080300908                     MORTGAGORS:           VANCE, FORREST

                                                       ADDRESS     :          9282  EAST LOS GATOS
   MORTGAGE AMT:               556,700.00              CITY              :    SCOTTSDALEAZ       85255
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            555,152.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,036.4764.13594       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080301237                     MORTGAGORS:           LARSEN, LORI

                                                       ADDRESS     :          2235 WEST MOUNTAINSIDE CI
   MORTGAGE AMT:               380,000.00              CITY              :    BLUFFDALE UT       84065
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            378,695.700              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,722.3780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080301260                     MORTGAGORS:           AULUM-PEDERSEN, MADS

                                                               AULUM-PEDERSEN, CLAUDIA  AULUM-PEDERSEN, CLAUDIA

                                                       ADDRESS     :          30  CIELO DRIVE
   MORTGAGE AMT:               450,000.00              CITY              :    BLAINE COUN        ID       83333
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            448,897.920              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,460.1162.06897       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080301328                     MORTGAGORS:           SHEPARD, BRETT

                                                       ADDRESS     :          3832  EAST BRONCO TRAIL
   MORTGAGE AMT:               250,000.00              CITY              :    PHOENIX   AZ       85044
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            249,554.030              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,944.4764.10256       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080301518                     MORTGAGORS:           ACCARDO, GARRETT

                                                               ACCARDO, GUILLERMIN      ACCARDO, GUILLERMINA

                                                       ADDRESS     :          40 SAILVIEW AVENUE
   MORTGAGE AMT:               781,950.00              CITY              :    RANCHO PALO        CA       90275
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            781,950.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            6,012.5274.99799       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  103        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080301807                     MORTGAGORS:           WOLFE, TWILA

                                                       ADDRESS     :          41224  NE SUTTER LANE
   MORTGAGE AMT:               165,000.00              CITY              :    PHOENIX   AZ       85027
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            164,682.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,239.6089.96336       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080301880                     MORTGAGORS:           POOLE, WADE

                                                               POOLE, DONNA     POOLE, DONNA

                                                       ADDRESS     :          2841 EAST STOTTLER COURT
   MORTGAGE AMT:               144,000.00              CITY              :    GILBERT   AZ       85296
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            143,497.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,044.1088.99876       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080303258                     MORTGAGORS:           YETTER, FRANK

                                                               YETTER, CATHY

                                                       ADDRESS     :          25 SPARHAWK TERRACE
   MORTGAGE AMT:               361,000.00              CITY              :    MARBLEHEADMA       01945
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            360,751.550              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,617.5173.67347       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080303563                     MORTGAGORS:           C  MALINIS, ANNA

                                                               CLEMENA, LIBRADO

                                                       ADDRESS     :          2214 BARRINGTON COURT
   MORTGAGE AMT:               253,600.00              CITY              :    SOUTH SAN F        CA       94080
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            253,434.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,882.9780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080303696                     MORTGAGORS:           PARK, DENNIS

                                                               PARK, EDITH      PARK, EDITH

                                                       ADDRESS     :          712 EAST 4880 NORTH
   MORTGAGE AMT:               256,500.00              CITY              :    ERDA  UT  84074
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            256,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,927.0089.98000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080303720                     MORTGAGORS:           JORDAN, WILLIAM

                                                               JORDAN, ELIZABETH        JORDAN, ELIZABETH

                                                       ADDRESS     :          5555 DIABLO HILLS DRIVE
   MORTGAGE AMT:               390,000.00              CITY              :    TRES PINOSCA       95075
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            390,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,794.0160.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080303779                     MORTGAGORS:           KRUCZEK, EDWARD

                                                               KRUCZEK, PAMELA  Kruczek, Pamela

                                                       ADDRESS     :          1978 HAMILTON DRIVE
   MORTGAGE AMT:               284,505.00              CITY              :    COOPERSBURG        PA       18036
   LIFETIME RATE :               6.50000
   UNPAID BALANCE:            283,462.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,798.2783.67794       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080303803                     MORTGAGORS:           SCHMIDT, ERIC

                                                               SCHMIDT, MARIGOLD        SCHMIDT, MARIGOLD

                                                       ADDRESS     :          8795 EAST WILEY WAY
   MORTGAGE AMT:               306,650.00              CITY              :    ANAHEIM HIL        CA       92808
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            305,996.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,196.8889.98368       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080304389                     MORTGAGORS:           BARRETT, PAUL

                                                               BARRETT, NANCY   BARRETT, NANCY

                                                       ADDRESS     :          6000 NORTH PALO CRISTI
   MORTGAGE AMT:               581,250.00              CITY              :    PARADISE VALLEY    AZ       85253
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            580,859.990              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,265.0174.52000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080305311                     MORTGAGORS:           HANSEN, CAROL

                                                               SCULLY, PATRICIA

                                                       ADDRESS     :          540 PITSFIELD COURT
   MORTGAGE AMT:               308,000.00              CITY              :    LONG BEACHCA       90803
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            307,793.330              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,260.0080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080305386                     MORTGAGORS:           ALBANY, DAVID

                                                               ALBANY, JULIE    ALBANY, JULIE

                                                       ADDRESS     :          1306 STONEY RIVER DRIVE
   MORTGAGE AMT:               310,150.00              CITY              :    AMBLER    PA       19002
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            309,936.550              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,248.8185.99154       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080305436                     MORTGAGORS:           NORTON, KYLE

                                                       ADDRESS     :          3799 HUNT CLUB RD
   MORTGAGE AMT:               269,600.00              CITY              :    JACKSONVILL        FL       32224
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            269,432.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,049.1680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080305477                     MORTGAGORS:           GOHEAN, LEWIS

                                                               GOHEAN, SUSAN

                                                       ADDRESS     :          22 RABBIT RUN ROAD
   MORTGAGE AMT:               375,000.00              CITY              :    MALVERN   PA       19355
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            374,741.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,719.0146.29630       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080305550                     MORTGAGORS:           BOYD, TIMOTHY

                                                               BOYD, JOELLEN    Boyd, Joellen

                                                       ADDRESS     :          4 SURRY COURT
   MORTGAGE AMT:               262,800.00              CITY              :    MANSFIELD T        NJ       08022
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            262,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,928.3489.69283       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080305808                     MORTGAGORS:           CLOUD, CHRISTOPHER

                                                               MCCLOUD, LISA

                                                       ADDRESS     :          108 RIDGE ROAD
   MORTGAGE AMT:               113,184.00              CITY              :    Maryville IL       62062
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            113,046.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :           870.29100.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080306061                     MORTGAGORS:           BLOCK, GABRIEL

                                                       ADDRESS     :          18 JOHNSON STREET
   MORTGAGE AMT:               322,000.00              CITY              :    MONMOUTH BE        NJ       07750
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            321,804.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,475.9089.44444       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080306467                     MORTGAGORS:           PERRY, MATTHEW

                                                               PERRY, ALVERTA   PERRY, ALVERTA

                                                       ADDRESS     :          74 PEOPLES LINE ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    SOMERSET  NJ       08873
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            299,777.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,097.6571.64375       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080307259                     MORTGAGORS:           COLLIFLOWER, MICHAEL

                                                               COLLIFLOWER, PATRICIA    COLLIFLOWER, PATRICIA

                                                       ADDRESS     :          12380 BAYHILL DRIVE
   MORTGAGE AMT:               380,950.00              CITY              :    CARMEL    IN       46033
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            379,890.920              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,762.1670.54630       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080307325                     MORTGAGORS:           RYAN, MIMI

                                                       ADDRESS     :          134 SOUTH LAKELAND PT
   MORTGAGE AMT:               420,000.00              CITY              :    HOT SPRINGS        AR       71913
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            419,082.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,972.7445.65217       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080307457                     MORTGAGORS:           GREENE, GEORGE

                                                               GREENE, LINDA

                                                       ADDRESS     :          3019 JAVA ROAD
   MORTGAGE AMT:               460,000.00              CITY              :    COSTA MESACA       92626
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            459,683.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,335.3280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080308091                     MORTGAGORS:           MUNRO, ALLAN

                                                               MUNRO, KATHRYN   MUNRO, KATHRYN

                                                       ADDRESS     :          268 ROUND HILL ROAD
   MORTGAGE AMT:             1,000,000.00              CITY              :    GREENWICH CT       06831
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            997,465.160              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            6,569.2932.25806       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309008                     MORTGAGORS:           MUMFORD, JAMES

                                                       ADDRESS     :          12708 MUTH VALLEY ROAD
   MORTGAGE AMT:               350,000.00              CITY              :    LAKESIDE  CA       92040
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            349,574.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,691.2056.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309024                     MORTGAGORS:           SHURTLEFF, WESLEY

                                                               SHURTLEFF, BARBARA       SHURTLEFF, BARBARA

                                                       ADDRESS     :          1122 WOLFS KNOLL
   MORTGAGE AMT:               268,350.00              CITY              :    HOUSTON   TX       77094
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            268,199.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,135.1194.99115       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309180                     MORTGAGORS:           HOOTS, FELIX

                                                               HOOTS, KATHLEEN

                                                       ADDRESS     :          7425 BECKWITH LANE
   MORTGAGE AMT:               350,000.00              CITY              :    CLIFTON   VA       20124
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            349,752.980              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,507.4457.97908       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309297                     MORTGAGORS:           SPILDE, RANDY

                                                               SPILDE, EVELYN

                                                       ADDRESS     :          2112 MARSHALLFIELD
   MORTGAGE AMT:               290,000.00              CITY              :    REDONDO BEA        CA       90278
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            289,784.780              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,027.7280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309479                     MORTGAGORS:           MOORE, EDDIE

                                                               TRUJILLO, CINDY  TRUJILLO, CINDY

                                                       ADDRESS     :          1148 CAPE COD WAY
   MORTGAGE AMT:               246,950.00              CITY              :    SALINAS   CA       93906
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            246,792.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,855.2594.99904       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309693                     MORTGAGORS:           YEE, LARRY

                                                               YEE, LINDA       YEE, LINDA

                                                       ADDRESS     :          3481 HERON LAKE LANE
   MORTGAGE AMT:               289,000.00              CITY              :    ELK GROVE CA       95758
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            288,768.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,947.0574.96602       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309818                     MORTGAGORS:           HOOD, SAMUEL

                                                               HOOD, MARY       HOOD, MARY

                                                       ADDRESS     :          2533 STONE CREEK DRIVE,
   MORTGAGE AMT:               420,000.00              CITY              :    Knoxville TN       37938
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            419,732.180              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,155.3277.06000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309859                     MORTGAGORS:           CALLAHAN, RICHARD

                                                               CALLAHAN, PAM

                                                       ADDRESS     :          14-59 156TH STREET
   MORTGAGE AMT:               280,000.00              CITY              :    WHITESTONENY       11357
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            279,792.200              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,957.8057.37705       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080309982                     MORTGAGORS:           GRECO, JOHN

                                                       ADDRESS     :          515 REDDING VIEW CT
   MORTGAGE AMT:               310,000.00              CITY              :    ATLANTA   GA       30328
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            309,786.660              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,247.7265.02823       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080310345                     MORTGAGORS:           KEARNEY, THOMAS

                                                               KEARNEY, JENNIFER

                                                       ADDRESS     :          64 CALDWELL DRIVE
   MORTGAGE AMT:               382,500.00              CITY              :    PRINCETON NJ       08540
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            382,268.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,941.1075.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080310493                     MORTGAGORS:           MORREALE, JOSEPH

                                                               MCADOREY-MORREALE, BARBARA        MORREALE, BARBARA

                                                       ADDRESS     :          7 ROLLING RIDGE COURT
   MORTGAGE AMT:               440,000.00              CITY              :    Mt Kisco  NY       10549
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            440,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,964.3669.92000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080310824                     MORTGAGORS:           pilling, garet

                                                               kraus, jennifer

                                                       ADDRESS     :          23 ROLLING GLEN COURT
   MORTGAGE AMT:               286,000.00              CITY              :    Mount Laurel       NJ       08054
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            286,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,999.7577.08000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080311244                     MORTGAGORS:           MCCABE, PAUL

                                                               MCCABE, CARMEN

                                                       ADDRESS     :          21 WELLINGTON COURT
   MORTGAGE AMT:               278,950.00              CITY              :    HUNTINGTONCT       06484
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            278,950.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,879.3484.53030       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080311954                     MORTGAGORS:           ENGEBRETSON, MIKAEL

                                                       ADDRESS     :          551 FOOTHILL ROAD
   MORTGAGE AMT:               261,000.00              CITY              :    BRIDGEWATER        NJ       08876
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            260,824.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,915.1394.90909       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080311988                     MORTGAGORS:           ESPINOZA, JULIO

                                                               SOKAL, FLETA     SOKAL, FLETA

                                                       ADDRESS     :          1776 COSNER ROAD
   MORTGAGE AMT:               313,940.00              CITY              :    FOREST HILL        MD       21050
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            313,744.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,386.1889.99943       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080312663                     MORTGAGORS:           JABOT, JEFFREY

                                                               JABOT, JILL      JABOT, JILL

                                                       ADDRESS     :          9206 STARPASS DRIVE,
   MORTGAGE AMT:               262,618.00              CITY              :    JACKSONVILL        FL       32256
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            262,618.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,972.9795.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080312721                     MORTGAGORS:           LEAHY, RICHARD

                                                               LEAHY, LIANE     LEAHY, LIANE

                                                       ADDRESS     :          137 GATES POND ROAD
   MORTGAGE AMT:               332,900.00              CITY              :    BERLIN    MA       01503
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            332,693.080              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,530.2889.99730       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080313075                     MORTGAGORS:           JOHNSON, DAVID

                                                               JOHNSON, RACHEL  JOHNSON, RACHEL

                                                       ADDRESS     :          2352 PASEO SAUCEDAL
   MORTGAGE AMT:               325,850.00              CITY              :    CARLSBAD  CA       92009
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            325,364.810              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,278.4079.99774       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080313083                     MORTGAGORS:           FERREIRA, KENNETH

                                                               ROWE, CATHERINE  ROWE, CATHERINE

                                                       ADDRESS     :          LOT 12 PAINTED POST ROAD
   MORTGAGE AMT:               310,000.00              CITY              :    GROTON    MA       01450
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            310,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,194.1677.74000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080313182                     MORTGAGORS:           BEECHER, THOMAS

                                                               SWEENEY BEEC, JANE       SWEENEY BEEC, JANE

                                                       ADDRESS     :          100 NUBBLE ROAD
   MORTGAGE AMT:               270,000.00              CITY              :    YORK  ME  03909
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            269,827.830              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,028.4287.18571       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080313273                     MORTGAGORS:           LAM, NAM

                                                               LE, DUONG

                                                       ADDRESS     :          1 ADELANTE
   MORTGAGE AMT:               268,800.00              CITY              :    IRVINE    CA       92614
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            268,628.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,019.4080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080313927                     MORTGAGORS:           MERCIER, LIONEL

                                                               MERCIER, JAN

                                                       ADDRESS     :          9245 SAGEWOOD COURT
   MORTGAGE AMT:               280,000.00              CITY              :    GILROY    CA       95020
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            279,812.130              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,054.5480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080314610                     MORTGAGORS:           BURGESS, STEVEN

                                                               BURGESS, ANDREA

                                                       ADDRESS     :          429 W MILL CHASE COURT
   MORTGAGE AMT:               244,900.00              CITY              :    PONTE VEDRA        FL       32082
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            244,184.210              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,733.3994.99981       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080314982                     MORTGAGORS:           GARROW, ROBERT

                                                               GARROW, ROBERTA  GARROW, ROBERTA

                                                       ADDRESS     :          640 HOBART STREET
   MORTGAGE AMT:               425,000.00              CITY              :    MENLO PARKCA       94025
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            424,742.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,267.8850.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080314990                     MORTGAGORS:           SUTTON, MICHAEL

                                                               SUTTON, KATHRYN  SUTTON, KATHRYN

                                                       ADDRESS     :          145 W CHAPEL DOWNS DR
   MORTGAGE AMT:               285,000.00              CITY              :    SOUTHLAKE TX       76022
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            284,827.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,191.4175.79787       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080315211                     MORTGAGORS:           PAMBID, EDGAR

                                                               PAMBID, JOANNE   PAMBID, JOANNE

                                                       ADDRESS     :          16201 SAINT LAWRENCE DRIV
   MORTGAGE AMT:               283,950.00              CITY              :    MORGAN HILL        CA       95037
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            283,768.940              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,133.2279.98817       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080315344                     MORTGAGORS:           STEIN, ROBYN

                                                       ADDRESS     :          626 SOUTH PATHFINDER TRAI
   MORTGAGE AMT:               337,500.00              CITY              :    ANAHEIM   CA       92807
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            336,743.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,359.8575.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080315369                     MORTGAGORS:           HAGENBERGER, FREDERICK

                                                               HAGENBERGER, EILEEN

                                                       ADDRESS     :          15 QUAIL PATH
   MORTGAGE AMT:               330,000.00              CITY              :    NISSEQUOGUE        NY       11780
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            328,228.200              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,683.7463.46154       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/19

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080316243                     MORTGAGORS:           WAYNANT, RONALD

                                                               WAYNANT, PRISCILLA

                                                       ADDRESS     :          6525 LIMERICK COURT
   MORTGAGE AMT:               322,600.00              CITY              :    CLARKSVILLE        MD       21029
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            322,399.480              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,452.0079.99484       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080316672                     MORTGAGORS:           BERTISCH, ALBERTO L

                                                               BERTISCH, NITZHIA

                                                       ADDRESS     :          3 WOODLAND PLACE
   MORTGAGE AMT:               500,000.00              CITY              :    GREAT NECKNY       11021
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            500,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,844.5762.50000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080316763                     MORTGAGORS:           YSETH, MATTHEW

                                                               YSETH, CATHY

                                                       ADDRESS     :          21572 TYLER STREET NE
   MORTGAGE AMT:               258,875.00              CITY              :    EAST BETHEL        MN       55011
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            258,508.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,854.6195.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080316938                     MORTGAGORS:           HOLSINGER, H

                                                               HOLSINGER, BONNIE

                                                       ADDRESS     :          16170 CLIFFROCK COURT
   MORTGAGE AMT:               288,000.00              CITY              :    COLORADO SP        CO       80921
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            287,115.330              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,989.1480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080317399                     MORTGAGORS:           QUEST, KEVIN

                                                               QUEST, LORI      QUEST, LORI

                                                       ADDRESS     :          12126 BRIARLEAF WAY
   MORTGAGE AMT:               283,500.00              CITY              :    SAN DIEGO CA       92128
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            283,164.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,205.0390.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080317878                     MORTGAGORS:           NAGEL, TRACY

                                                       ADDRESS     :          1422 ROUNDHOUSE LANE
   MORTGAGE AMT:               255,600.00              CITY              :    ALEXANDRIAVA       22314
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            255,428.490              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,875.5194.99563       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080317993                     MORTGAGORS:           SCHWARTZ, PAUL

                                                               SCHWARTZ, STEPHANIE

                                                       ADDRESS     :          15700 SOL SEMENTE TRAIL
   MORTGAGE AMT:               475,600.00              CITY              :    REDDING   CA       96001
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            475,264.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,407.2673.62229       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080318280                     MORTGAGORS:           WEINER, THOMAS

                                                       ADDRESS     :          9 WILMONT AVENUE
   MORTGAGE AMT:               321,400.00              CITY              :    WHITE PLAIN        NY       10606
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            321,219.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,557.2079.99900       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080319726                     MORTGAGORS:           JERMYN, RICHARD

                                                               CRUZ, JOSE

                                                       ADDRESS     :          474 FAIRFAX ROAD
   MORTGAGE AMT:               269,000.00              CITY              :    UPPER DARBY        PA       19026
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            269,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,973.8394.96911       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080320989                     MORTGAGORS:           DIMPFEL, LOIS

                                                       ADDRESS     :          10040 E HAPPY VALLEY RD
   MORTGAGE AMT:               500,000.00              CITY              :    SCOTTSDALEAZ       85255
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            498,906.780              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,538.9757.47126       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080320997                     MORTGAGORS:           BITLER, DONALD

                                                               BITLER, JEANNIE

                                                       ADDRESS     :          7730 E PINNACLE VISTA
   MORTGAGE AMT:               326,300.00              CITY              :    SCOTTSDALEAZ       85262
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            325,671.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,451.3868.69474       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080321045                     MORTGAGORS:           GOLICH, TIMOTHY

                                                       ADDRESS     :          8907 N 86TH STREET
   MORTGAGE AMT:               280,800.00              CITY              :    SCOTTSDALEAZ       85258
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            280,407.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,159.1190.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080321086                     MORTGAGORS:           ROBERTSON, DEAN

                                                               ROBERTSON, MARY  ROBERTSON, MARY

                                                       ADDRESS     :          5132 N 42ND PLACE
   MORTGAGE AMT:               289,600.00              CITY              :    PHOENIX   AZ       85018
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            288,982.830              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,074.7380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080321227                     MORTGAGORS:           POOLE, RALPH

                                                               POOLE, BARBARA   Poole, Barbara

                                                       ADDRESS     :          5 PLEASANT STREET COURT
   MORTGAGE AMT:               300,000.00              CITY              :    CHARLESTOWN        MA       02129
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,253.8063.82979       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080321458                     MORTGAGORS:           WEINER, JOEL

                                                               BELLINI, SANDRA  BELLINI, SANDRA

                                                       ADDRESS     :          193 WESTBORO ROAD
   MORTGAGE AMT:               476,800.00              CITY              :    UPTON MA  01568
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            476,511.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,666.1879.46667       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080321805                     MORTGAGORS:           BARRINGER, CARL

                                                       ADDRESS     :          4109 E. AMHERST AVENUE
   MORTGAGE AMT:               460,350.00              CITY              :    DALLAS    TX       75225
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            460,071.120              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,539.6969.75000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080321995                     MORTGAGORS:           SHAPIRO, SANFORD

                                                               SHAPIRO, KATHY   SHAPIRO, KATHY

                                                       ADDRESS     :          3219 OLD COURT ROAD
   MORTGAGE AMT:               450,000.00              CITY              :    BALTIMORE MD       21208
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            449,657.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,108.0442.85714       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080322043                     MORTGAGORS:           Hargarten, Lorraine

                                                               HARGARTEN, David HARGARTEN, David

                                                       ADDRESS     :          112 Mill Race Road
   MORTGAGE AMT:               247,920.00              CITY              :    KENNETT SQPA       19348
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            247,920.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,776.1380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080322159                     MORTGAGORS:           LUCERO, EDWARD

                                                               LUCERO, KRISTIN

                                                       ADDRESS     :          2965 QUAIL HOLLOW DRIVE
   MORTGAGE AMT:               309,350.00              CITY              :    FAIRFIELD CA       94533
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            309,142.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,269.9179.99969       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080322167                     MORTGAGORS:           RAYFORD, LEWIS

                                                               RAYFORD, LAVERNE RAYFORD, LAVERNE

                                                       ADDRESS     :          4910 SAGE PLACE
   MORTGAGE AMT:               271,250.00              CITY              :    BRANDYWINEMD       20613
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            271,250.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,085.6874.99931       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080322217                     MORTGAGORS:           SAMAAN, SAAD

                                                               SAMAAN, ZEINA

                                                       ADDRESS     :          5315 SPLIT RAIL ROAD
   MORTGAGE AMT:               336,800.00              CITY              :    CENTERVILLE        OH       45429
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            336,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,412.8880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080322613                     MORTGAGORS:           SCHALLER, DANIEL

                                                               SCHALLER, JOAN   Schaller, Joan

                                                       ADDRESS     :          107 CARTER STREET
   MORTGAGE AMT:               300,000.00              CITY              :    MAMMOTH LAK        CA       93546
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            299,793.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,175.2175.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080322654                     MORTGAGORS:           PARKER, ROBERT

                                                       ADDRESS     :          2452 PONTE VEDRA WAY
   MORTGAGE AMT:               202,000.00              CITY              :    CHULA VISTA        CA       91915
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            201,713.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,447.1679.99430       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080322829                     MORTGAGORS:           MUNLEY, DEAN

                                                               ALLEN-MUNLEY, CHERYL     ALLEN-MUNLEY, CHERYL

                                                       ADDRESS     :          72 BISSELL ROAD
   MORTGAGE AMT:               520,000.00              CITY              :    Lebanon   NJ       08833
   LIFETIME RATE :               9.37500
   UNPAID BALANCE:            520,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,325.1080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080322944                     MORTGAGORS:           EBENSTEINER, PAUL
                                                               CLARK, CHRISTINE
                                                               EBENSTEINER, JUNE

                                                       ADDRESS     :          30504 NORTH BERYL AVENUE
   MORTGAGE AMT:               309,591.00              CITY              :    CASTAIC   CA       91384
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            309,163.480              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,244.7590.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080323306                     MORTGAGORS:           COCHRANE, WILLIAM

                                                               COCHRANE, RHONDA COCHRANE, RHONDA

                                                       ADDRESS     :          927 APPLEWILDE DRIVE
   MORTGAGE AMT:               272,750.00              CITY              :    SAN MARCOSCA       92069
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            272,409.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,073.1094.99016       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080323355                     MORTGAGORS:           BOE, GREGORY

                                                               BORDANARO, CONSTANCE     BORDANARO, CONSTANCE

                                                       ADDRESS     :          955 NATTINGER WAY
   MORTGAGE AMT:               257,750.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            257,420.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,936.3979.98995       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080323579                     MORTGAGORS:           HILL, LUANN

                                                               MAY, FREDERICK   May, Frederick

                                                       ADDRESS     :          3640 KINGMONT COURT
   MORTGAGE AMT:               279,000.00              CITY              :    LOOMIS    CA       95650
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            278,812.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,047.2179.94269       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080324122                     MORTGAGORS:           LE, HELENA

                                                       ADDRESS     :          78 LAKESIDE DRIVE,
   MORTGAGE AMT:               413,300.00              CITY              :    BUENA PARKCA       90621
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            413,043.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,141.3877.32648       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080324171                     MORTGAGORS:           HSU, ROU YIN

                                                               HSU, I WEI

                                                       ADDRESS     :          2130 RUDOLPH DRIVE
   MORTGAGE AMT:               325,250.00              CITY              :    SIMI VALLEY        CA       93065
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            325,042.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,443.5079.99065       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080324965                     MORTGAGORS:           EASTLING, H

                                                               EASTLING, BARBRO EASTLING, BARBRO

                                                       ADDRESS     :          10523 REALM WAY
   MORTGAGE AMT:               252,500.00              CITY              :    LAS VEGAS NV       89135
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            252,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,852.7679.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080325566                     MORTGAGORS:           DOEPKING, ERICH

                                                               DOEPKING, TINA   DOEPKING, TINA

                                                       ADDRESS     :          3905 BANSON STREET
   MORTGAGE AMT:               253,800.00              CITY              :    ACTON CA  93510
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            253,638.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,906.7189.93622       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080325665                     MORTGAGORS:           KELSEY, DAVID

                                                               KELSEY, BARBARA  KELSEY, BARBARA

                                                       ADDRESS     :          1036 RAFFLES LANE
   MORTGAGE AMT:               320,000.00              CITY              :    BRYN MAWR PA       19010
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            320,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,432.2458.18182       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080325681                     MORTGAGORS:           VASQUEZ, ANTHONY

                                                               VASQUEZ, KATHLEEN

                                                       ADDRESS     :          210 WILLOWGREEN PLACE
   MORTGAGE AMT:               279,900.00              CITY              :    SANTA ROSACA       95404
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            279,712.190              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,053.8179.98285       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080326168                     MORTGAGORS:           J CORONA, DAVID

                                                               CORONA, LILIA    Corona, Lilia

                                                       ADDRESS     :          327 VALLEY VIEW ROAD
   MORTGAGE AMT:               264,000.00              CITY              :    PLEASANT HI        CA       94523
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            264,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,845.9380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080326440                     MORTGAGORS:           Soares, Steven

                                                               White-Soares, Doris      White-Soares, Doris

                                                       ADDRESS     :          43 Hanson Road
   MORTGAGE AMT:               336,000.00              CITY              :    Newton    MA       02159
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            336,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,553.8474.67000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080326481                     MORTGAGORS:           BUCSIT, WILFREDO

                                                       ADDRESS     :          1849 BOOKBINDER DRIVE
   MORTGAGE AMT:               114,000.00              CITY              :    LAS VEGAS NV       89108
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            113,676.800              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            836.4995.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080326598                     MORTGAGORS:           ROTH, SCOTT

                                                               WARD, MARY

                                                       ADDRESS     :          31 MILLER ROAD
   MORTGAGE AMT:               345,600.00              CITY              :    NEWTON    MA       02459
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            345,362.160              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,505.8480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080326606                     MORTGAGORS:           BALINGCONGAN, DANILO
                                                               BALINGCONGAN, JULITO
                                                               BALINGCONGAN, MYRNA      BALINGCONGAN, CORAZON

                                                       ADDRESS     :          43-55 157TH STREET
   MORTGAGE AMT:               276,000.00              CITY              :    FLUSHING  NY       11355
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            276,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,171.2980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080326754                     MORTGAGORS:           JOHNSON, MELANIE

                                                               OLDEMAN, ANDREW

                                                       ADDRESS     :          274 ROWAYTON AVENUE
   MORTGAGE AMT:               269,600.00              CITY              :    Norwalk   CT       06853
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            269,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,931.4580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080327000                     MORTGAGORS:           BUCK, CHRISTA

                                                       ADDRESS     :          1841 N BURLING STREET
   MORTGAGE AMT:               600,000.00              CITY              :    CHICAGO   IL       60614
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            599,435.830              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,773.8740.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080327026                     MORTGAGORS:           DANG, ANDERSON

                                                               NGUYEN, MIA      NGUYEN, MIA

                                                       ADDRESS     :          33 LOIS LANE
   MORTGAGE AMT:               377,100.00              CITY              :    SAN FRANCIS        CA       94134
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            376,335.840              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,767.0390.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080327604                     MORTGAGORS:           BUEHLMAIER, FRANK

                                                               BUEHLMAIER, ALMA

                                                       ADDRESS     :          13695 INDIAN PEAK TRAIL
   MORTGAGE AMT:               399,061.27              CITY              :    Poway CA  92064
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            398,714.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,722.3066.51000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080328412                     MORTGAGORS:           CONTOS, ANTHONY

                                                               CONTOS, MICHELLE CONTOS, MICHELLE

                                                       ADDRESS     :          3029 RUBINO CIRCLE
   MORTGAGE AMT:               314,150.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            313,737.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,332.5679.99195       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080328420                     MORTGAGORS:           HUTCHINGS, DOUGLAS

                                                               HUTCHINGS, KATHRYN       HUTCHINGS, KATHRYN

                                                       ADDRESS     :          11755 CONNECTICUT DRIVE
   MORTGAGE AMT:               262,650.00              CITY              :    Rancho Cucamonga   CA       91730
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            262,296.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,927.2395.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080328495                     MORTGAGORS:           MAGBADE, NOJEEM

                                                       ADDRESS     :          3007 APPLE GREEN LANE
   MORTGAGE AMT:               252,550.00              CITY              :    BOWIE MD  20716
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            252,400.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,964.3094.98860       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080328776                     MORTGAGORS:           WORLEY, BRENT

                                                       ADDRESS     :          11524 BERINGER NE
   MORTGAGE AMT:               645,000.00              CITY              :    ALBUQUERQUE        NM       87122
   LIFETIME RATE :               9.12500
   UNPAID BALANCE:            644,656.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            5,247.9475.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080329410                     MORTGAGORS:           OWYANG, LAWRENCE
                                                               OWYANG, EDMOND
                                                               OWYANG, SUSAN

                                                       ADDRESS     :          8246 SKYLINE CIRCLE
   MORTGAGE AMT:               260,000.00              CITY              :    OAKLAND   CA       94605
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            259,439.630              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,885.1956.52997       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080329436                     MORTGAGORS:           LEE, CHRISTOPHE

                                                               PARK, SUSAN      PARK, SUSAN

                                                       ADDRESS     :          3041 RUBINO CIRCLE
   MORTGAGE AMT:               312,400.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            311,968.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,265.1279.98034       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080329543                     MORTGAGORS:           SAMANTA, MANOJ

                                                               SAMANTA, ANINDITA

                                                       ADDRESS     :          3066 HOLLYCREST AVE
   MORTGAGE AMT:               323,950.00              CITY              :    THOUSAND OA        CA       91362
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            323,950.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,348.8679.99753       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080330251                     MORTGAGORS:           BERMAN, PETER

                                                       ADDRESS     :          7300 HYANNIS DR
   MORTGAGE AMT:               340,000.00              CITY              :    West HillsCA       91307
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            340,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,524.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080330657                     MORTGAGORS:           COLLET, DENIS

                                                               COLLET, REBECCA  COLLET, REBECCA

                                                       ADDRESS     :          12 POLK ROAD
   MORTGAGE AMT:               277,800.00              CITY              :    WinchesterMA       01890
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            277,631.700              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,136.0494.97000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080331291                     MORTGAGORS:           VALLEJO, ANDRES
                                                               VALLEJO, ROBERTO
                                                               VALLEJO, ANDRES

                                                       ADDRESS     :          406 EL CAJON DRIVE
   MORTGAGE AMT:               255,500.00              CITY              :    SAN JOSE  CA       95111
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            254,995.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,987.2594.98141       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080331580                     MORTGAGORS:           Rouen, Albert

                                                               De Rouen, Kathy  De Rouen, Kathy

                                                       ADDRESS     :          1706 Marine Avenue
   MORTGAGE AMT:               275,000.00              CITY              :    Manhattan Beach    CA       90266
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            274,810.310              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,993.9467.07000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080331598                     MORTGAGORS:           PARK, KURT

                                                               PARK, CATHERINE  PARK, CATHERINE

                                                       ADDRESS     :          2936 TREEFERN DRIVE
   MORTGAGE AMT:               199,500.00              CITY              :    DUARTE    CA       91010
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            199,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,481.2895.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080331705                     MORTGAGORS:           WISBEY, MARK

                                                               WISBEY, DONNA

                                                       ADDRESS     :          745 CONCHO DRIVE
   MORTGAGE AMT:               188,000.00              CITY              :    SEDONA    AZ       86351
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            187,472.850              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,379.4880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080331754                     MORTGAGORS:           CONNAL, MATHILDE

                                                       ADDRESS     :          65 EDGEWATER DRIVE
   MORTGAGE AMT:               750,000.00              CITY              :    STAMFORD  CT       06888
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            750,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            5,900.2538.46154       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080332190                     MORTGAGORS:           HARPUR, DAVID

                                                       ADDRESS     :          44 SIMON ATHERTON ROW
   MORTGAGE AMT:               346,000.00              CITY              :    HARVARD   MA       01451
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            346,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,508.7480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080332224                     MORTGAGORS:           CAPRI, ART

                                                               WISNIEWSKI, RENATA       WISNIEWSKI, RENATA

                                                       ADDRESS     :          111 MOUNTAIN ROAD
   MORTGAGE AMT:               301,600.00              CITY              :    Pleasantville      NY       10570
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            301,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,186.8180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080332471                     MORTGAGORS:           COX, BRENT

                                                               COX, TONYA       COX, TONYA

                                                       ADDRESS     :          144 GRAND AVENUE
   MORTGAGE AMT:               221,150.00              CITY              :    SUWANEE   GA       30024
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            220,997.800              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,603.5079.96746       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080332869                     MORTGAGORS:           BRADSHAW, PAUL

                                                               BRADSHAW, SUZANNE        BRADSHAW, SUZANNE

                                                       ADDRESS     :          46 CASABLANCA STREET
   MORTGAGE AMT:               324,750.00              CITY              :    Danville  CA       94506
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            324,278.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,298.5676.82000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080332901                     MORTGAGORS:           ALDERETE, JOHN

                                                       ADDRESS     :          985 NATTINGER WAY
   MORTGAGE AMT:               256,000.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            255,519.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,945.7979.99050       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080333727                     MORTGAGORS:           BOYLE, DAVID

                                                               BOYLE, CARLA

                                                       ADDRESS     :          2855 MERRILAW LANE
   MORTGAGE AMT:               245,000.00              CITY              :    CUMMING   GA       30040
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            244,835.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,797.7394.23077       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080333750                     MORTGAGORS:           LEITCH, ART

                                                       ADDRESS     :          13930 MISTY OAK ROAD
   MORTGAGE AMT:               275,000.00              CITY              :    VALLEY CENT        CA       92082
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            274,810.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,993.9464.70588       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080333834                     MORTGAGORS:           CONNEALLY, DEBORAH

                                                               CONNEALLY, THADDEUS

                                                       ADDRESS     :          7 HUCKLEBERRY LANE
   MORTGAGE AMT:               307,900.00              CITY              :    FRANKLIN  MA       02038
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            307,900.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,259.2679.99480       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080334287                     MORTGAGORS:           KANOW, THORSTEN

                                                               KAILUWEIT, DORIS KAILUWEIT, DORIS

                                                       ADDRESS     :          44 LAS CASTANETAS
   MORTGAGE AMT:               247,000.00              CITY              :    RANCHO SANT        CA       92688
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            246,850.360              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,899.2295.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080334337                     MORTGAGORS:           BRABAZON, JOHN

                                                       ADDRESS     :          10 RED GATE LANE
   MORTGAGE AMT:               287,920.00              CITY              :    FRANKLIN  MA       02038
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            287,920.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,062.6980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080334592                     MORTGAGORS:           NAMETH, JEFFREY

                                                               NAMETH, SUSAN    NAMETH, SUSAN

                                                       ADDRESS     :          50 SILVER CRESCENT
   MORTGAGE AMT:               436,000.00              CITY              :    IRVINE    CA       92612
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            436,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,352.4680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080334873                     MORTGAGORS:           EMERY, DONALD

                                                               EMERY, JULIE

                                                       ADDRESS     :          6309 FAIRFAX NATIONAL WAY
   MORTGAGE AMT:               350,900.00              CITY              :    CENTREVILLE        VA       20120
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            350,900.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,453.5479.91000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080334899                     MORTGAGORS:           MORA, J

                                                               MORA, JOAN

                                                       ADDRESS     :          19625 HOOVER FARM DRIVE
   MORTGAGE AMT:               315,600.00              CITY              :    LAYTONSVILL        MD       20882
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            315,398.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,371.0079.98986       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080334964                     MORTGAGORS:           HADLAND, SIGURD

                                                               HADLAND, A E A   HADLAND, A.E.A.

                                                       ADDRESS     :          1787 COASTLAND AVENUE
   MORTGAGE AMT:               319,200.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            319,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,342.1880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080335532                     MORTGAGORS:           AMES, DAVID

                                                               LAUER, SHAWN     LAUER, SHAWN

                                                       ADDRESS     :          20982 FLAGSTAFF AVENUE
   MORTGAGE AMT:               252,800.00              CITY              :    FARMINGTONMN       55024
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            252,450.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,832.9880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080335623                     MORTGAGORS:           KIM, JENNIFER

                                                               KIM, PETER

                                                       ADDRESS     :          2957 SLEEPER AVENUE
   MORTGAGE AMT:               280,000.00              CITY              :    TUSTIN    CA       92782
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            279,603.470              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,005.9676.31507       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080335748                     MORTGAGORS:           BAXTER, LAUREN

                                                       ADDRESS     :          403 CHARLOTT LANE
   MORTGAGE AMT:               312,250.00              CITY              :    REDWOOD CIT        CA       94063
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            311,768.270              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,183.3079.98740       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080335763                     MORTGAGORS:           ISLAM, KHONDKER

                                                       ADDRESS     :          851 DEDERICK COURT
   MORTGAGE AMT:               320,000.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            319,511.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,210.1769.13284       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080336159                     MORTGAGORS:           ROMANINI, MARCO

                                                               ROMANINI, ELIZABETH

                                                       ADDRESS     :          2185 COX ROAD
   MORTGAGE AMT:               272,000.00              CITY              :    APTOS CA  95003
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            272,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,972.1962.52874       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080336357                     MORTGAGORS:           RINES, DAVID

                                                               RINES, SHERYL    RINES, SHERYL

                                                       ADDRESS     :          23 PILGRIM RD.
   MORTGAGE AMT:               287,200.00              CITY              :    Mansfield MA       02048
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            287,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,008.1480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080336944                     MORTGAGORS:           WENDELL, GLENN

                                                       ADDRESS     :          150 BELLE MEADE PLACE
   MORTGAGE AMT:               304,000.00              CITY              :    SAN RAMON CA       94583
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            304,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,283.8580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080337504                     MORTGAGORS:           WILKINSON, STEPHEN

                                                               WILKINSON, DINA

                                                       ADDRESS     :          9 MELCH ROAD
   MORTGAGE AMT:               317,700.00              CITY              :    Lynnfield MA       01940
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            317,700.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,167.2790.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080338155                     MORTGAGORS:           YARBROUGH, JEFFREY

                                                               YARBROUGH, SUSAN

                                                       ADDRESS     :          8194 BUENA VISTA DRIVE
   MORTGAGE AMT:               270,000.00              CITY              :    DENVER    NC       28037
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            269,062.240              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,751.2265.41965       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080338247                     MORTGAGORS:           DONAHUE, MICHAEL

                                                       ADDRESS     :          16 LANDHAM ROAD,
   MORTGAGE AMT:               268,350.00              CITY              :    SUDBURY   MA       01776
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            267,640.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,992.5094.99115       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080338866                     MORTGAGORS:           OROSCO, JESUS

                                                               OROSCO, FRANCISCO        OROSCO, FRANCISCO

                                                       ADDRESS     :          11 CHELTENHAM WAY
   MORTGAGE AMT:               275,450.00              CITY              :    SAN JOSE  CA       95139
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            275,274.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,069.3794.49400       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080339138                     MORTGAGORS:           KIRSHBAUM, DAVID

                                                               KIRSHBAUM, DEANNA        KIRSHBAUM, DEANNA

                                                       ADDRESS     :          11781 CONGRESS DRIVE,
   MORTGAGE AMT:               172,450.00              CITY              :    RANCHO CUCAMONGA   CA       91730
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            172,328.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,235.4574.87000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080339187                     MORTGAGORS:           CARVER, TIMOTHY

                                                               CARVER, SHARI    CARVER, SHARI

                                                       ADDRESS     :          11319 SE PASCLI COURT
   MORTGAGE AMT:               269,800.00              CITY              :    HAPPY VALLE        OR       97236
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            269,463.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,050.6795.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080339195                     MORTGAGORS:           CARROLL, BARBARA

                                                       ADDRESS     :          18870 PENDERGAST AVENUE
   MORTGAGE AMT:               290,000.00              CITY              :    Cupertino CA       95014
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            290,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,077.6078.38000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080339690                     MORTGAGORS:           C NGUY, TONY

                                                               NGUY, GENEVIEVE  NGUY, GENEVIEVE

                                                       ADDRESS     :          891 LA CRESCENT PLACE
   MORTGAGE AMT:               357,950.00              CITY              :    SAN JOSE  CA       95136
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            357,417.040              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,502.8479.98936       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080339740                     MORTGAGORS:           BRACKEN, CHARLES

                                                               BRACKEN, DEBRA   BRACKEN, DEBRA

                                                       ADDRESS     :          786 TRAILSIDE PLACE
   MORTGAGE AMT:               315,950.00              CITY              :    SAN MARCOSCA       92069
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            315,502.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,263.5194.98513       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080339906                     MORTGAGORS:           HARTMAN, DAVID

                                                               HARTMAN, ROBIN

                                                       ADDRESS     :          7184 SOUTH HIMALAYA WAY
   MORTGAGE AMT:               290,000.00              CITY              :    AURORA    CO       80016
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            290,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,102.7063.05719       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080340128                     MORTGAGORS:           GENISE, GEORGE

                                                               GENISE, LOUISE

                                                       ADDRESS     :          3087 PASEO ESTRIBO
   MORTGAGE AMT:               266,600.00              CITY              :    CARLSBAD  CA       92009
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            266,434.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,026.3679.58209       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080340201                     MORTGAGORS:           WADE, CECIL

                                                               WADE, AMY        WADE, AMY

                                                       ADDRESS     :          315 MIDDLESEX ROADO
   MORTGAGE AMT:               480,000.00              CITY              :    DARIEN    CT       06820
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            480,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,315.2475.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080340235                     MORTGAGORS:           PETERSON, CHAD

                                                               PETERSON, SYONIA

                                                       ADDRESS     :          440 TROWBRIDGE LANE
   MORTGAGE AMT:               412,500.00              CITY              :    FOLSOM    CA       95630
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            412,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,955.2079.32692       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080340599                     MORTGAGORS:           HANLON, JOHN

                                                               HANLON, KELLY    HANLON, KELLY

                                                       ADDRESS     :          11520 STARDUST LANE
   MORTGAGE AMT:               408,000.00              CITY              :    Ellicott City      MD       21043
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            408,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,852.8079.82000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080340706                     MORTGAGORS:           BARBATO, LUIGI

                                                               BARBATO, ROSEANN BARBATO, ROSEANN

                                                       ADDRESS     :          1515 EVERSEDGE DRIVE
   MORTGAGE AMT:               356,800.00              CITY              :    ALPHARETTAGA       30005
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            356,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,494.8080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080340813                     MORTGAGORS:           LEVINE, ERIC

                                                               LEVINE, WENDY    LEVINE, WENDY

                                                       ADDRESS     :          18805 QUARRYMEN TERR
   MORTGAGE AMT:               335,750.00              CITY              :    BROOKEVILLE        MD       20833
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            335,286.360              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,434.4270.54090       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080340995                     MORTGAGORS:           CRAWFORD, RICHARD

                                                       ADDRESS     :          8222 NW HAWKINS BOULEVARD
   MORTGAGE AMT:               325,000.00              CITY              :    PORTLAND  OR       97229
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            324,781.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,384.7457.11775       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080341092                     MORTGAGORS:           WILLIAMS, CHARLES

                                                               WILLIAMS, MARY

                                                       ADDRESS     :          2017 COCKRELL RUN
   MORTGAGE AMT:               275,000.00              CITY              :    KENNESAW  GA       30152
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            274,805.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,970.1373.00549       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080341191                     MORTGAGORS:           MILGI, ALLAN

                                                               MILGI, SUSAN

                                                       ADDRESS     :          1417 N MAIDSTONE DRIVE
   MORTGAGE AMT:               383,800.00              CITY              :    VERNON HILL        IL       60061
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            383,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,521.3079.99868       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080341639                     MORTGAGORS:           LANPHERE, DANIEL

                                                               LANPHERE, JACQUELINE

                                                       ADDRESS     :          17 MONTIA
   MORTGAGE AMT:               395,500.00              CITY              :    IRVINE    CA       92620
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            395,227.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,867.6570.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080341696                     MORTGAGORS:           DONALDSON, RICHARD

                                                               DONALDSON, KAREN DONALDSON, KAREN

                                                       ADDRESS     :          5022 GLADE HILL STREET
   MORTGAGE AMT:               255,200.00              CITY              :    JACKSONVILL        FL       32207
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            255,045.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,962.2780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080341753                     MORTGAGORS:           SEIDENSTEIN, RICHARD

                                                       ADDRESS     :          92 WEBSTER AVENUE
   MORTGAGE AMT:               312,000.00              CITY              :    Port Washington    NY       11050
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            312,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,235.2180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080341852                     MORTGAGORS:           WALTON, ROBERT

                                                               WALTON, CATHLEEN WALTON, CATHLEEN

                                                       ADDRESS     :          23249 DOVECOTE LANE
   MORTGAGE AMT:               300,000.00              CITY              :    FAIRHOPE  AL       36532
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            299,788.260              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,149.2461.09980       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080341977                     MORTGAGORS:           DEAN, RAYMOND

                                                               DEAN, MARY

                                                       ADDRESS     :          12730 AIA NORTH HIGHWAY
   MORTGAGE AMT:               360,000.00              CITY              :    Vero BeachFL       32963
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            360,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,486.4380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080342454                     MORTGAGORS:           LIAN, ERIC

                                                               MCVAY, BRENDA    McVay, Brenda

                                                       ADDRESS     :          2726 CANFIELD ROAD
   MORTGAGE AMT:               310,000.00              CITY              :    SEBASTOPOLCA       95472
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            309,792.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,274.6786.11111       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080342736                     MORTGAGORS:           P MARTIN, GREGORY

                                                       ADDRESS     :          4270 DONNA MARIE CT
   MORTGAGE AMT:               278,728.00              CITY              :    HAYMARKET VA       20169
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            278,531.270              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,996.8579.63657       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080343106                     MORTGAGORS:           PANSON, SHAWN

                                                               PANSON, DANA     Panson, Dana

                                                       ADDRESS     :          16 ANDERSON WAY
   MORTGAGE AMT:               280,000.00              CITY              :    SOUTH BRUNS        NJ       08852
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            279,807.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,030.2078.89546       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080343205                     MORTGAGORS:           BAGLEY,, WILLIAM

                                                               D' SOUZA, SANDRA

                                                       ADDRESS     :          4716 GRAND DELL DR.,
   MORTGAGE AMT:               300,000.00              CITY              :    Crestwood KY       40014
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,371.1375.95000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  105        11/01/19

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080343445                     MORTGAGORS:           TROVATO, TIMOTHY

                                                               FISHER, JENNIFER FISHER, JENNIFER

                                                       ADDRESS     :          26 GRENADA COURT
   MORTGAGE AMT:               448,000.00              CITY              :    MANHATTAN B        CA       90266
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            447,691.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,248.3280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080343650                     MORTGAGORS:           HARP, PATRICIA

                                                       ADDRESS     :          4660 MONONGAHELA STREET
   MORTGAGE AMT:               283,850.00              CITY              :    SAN DIEGO CA       92117
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            283,659.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,082.7989.99683       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080344146                     MORTGAGORS:           MCCARTER, PAUL

                                                               MCCARTER, KAROLYN        MCCARTER, KAROLYN

                                                       ADDRESS     :          21731 SALADO
   MORTGAGE AMT:               264,000.00              CITY              :    MISSION VIE        CA       92691
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            263,437.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,891.3380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080344179                     MORTGAGORS:           SMITH, HARRY

                                                               SMITH, ANGELA

                                                       ADDRESS     :          803 SERO PINE LANE
   MORTGAGE AMT:               400,000.00              CITY              :    FORT WASHIN        MD       20744
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            399,738.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,969.9980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080344609                     MORTGAGORS:           MORRISON, MATT

                                                       ADDRESS     :          21761 VIA DE LA LUZ
   MORTGAGE AMT:               376,000.00              CITY              :    TRABUCO CAN        CA       92679
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            376,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,726.2678.33333       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080344690                     MORTGAGORS:           CHAN, CHUEN

                                                               CHAN, KIN        CHAN, KIN

                                                       ADDRESS     :          9253 WEDGEWOOD STREET
   MORTGAGE AMT:               397,500.00              CITY              :    TEMPLE CITY        CA       91780
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            397,239.980              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,951.4375.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080344732                     MORTGAGORS:           LOPRESTI, ANTHONY

                                                               LOPRESTO, KATHY  LOPRESTO, KATHY

                                                       ADDRESS     :          2715 OMISOL ROAD
   MORTGAGE AMT:               275,000.00              CITY              :    WoodbridgeVA       22192
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            274,428.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,993.9479.48000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080344963                     MORTGAGORS:           LICHTEN, HAROLD

                                                               CSONGER, SUSANNE CSONGER, SUSANNE

                                                       ADDRESS     :          27 WALNUT ROAD
   MORTGAGE AMT:               349,600.00              CITY              :    HAMILTON  MA       01936
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            349,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,504.5880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080345168                     MORTGAGORS:           WOZNICKI, EUGENE

                                                               WOZNICKI, LARA

                                                       ADDRESS     :          4629 FIRESTONE DRIVE
   MORTGAGE AMT:               339,450.00              CITY              :    FRISCO    TX       75034
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            339,450.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,550.1878.85017       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080345317                     MORTGAGORS:           TAYLOR, PHOEBE

                                                       ADDRESS     :          1955 PADDINGTON DRIVE
   MORTGAGE AMT:               240,000.00              CITY              :    PARK CITY UT       84060
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            240,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,698.7176.19048       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080345531                     MORTGAGORS:           CURRY, KENNETH

                                                               CURRY, CHRISTINE

                                                       ADDRESS     :          117 FRONTIER WAY
   MORTGAGE AMT:               270,000.00              CITY              :    TEMPLETON CA       93465
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            269,827.830              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,028.4254.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080345945                     MORTGAGORS:           ISAACSON, BRIAN

                                                       ADDRESS     :          16 WOODLAND ROAD
   MORTGAGE AMT:               455,200.00              CITY              :    GLEN COVE NY       11542
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            454,909.730              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,419.7780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080346000                     MORTGAGORS:           GORE, BARRY

                                                       ADDRESS     :          608 35TH STREET
   MORTGAGE AMT:               305,000.00              CITY              :    MANHATTAN B        CA       90266
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            305,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,211.4748.80000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080346026                     MORTGAGORS:           NISHIBAYASHI, GLENN

                                                               NISHIBAYASHI, KATHLEEN   NISHIBAYASHI, KATHLEEN

                                                       ADDRESS     :          19200 MADEIRA COURT
   MORTGAGE AMT:               372,000.00              CITY              :    CERRITOS  CA       90703
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            372,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,697.2680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080346042                     MORTGAGORS:           BAKOVIC, RICHARD

                                                       ADDRESS     :          1472 WEST HAMILTON AVENUE
   MORTGAGE AMT:               442,000.00              CITY              :    SAN PEDRO A        CA       90731
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            442,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,281.8480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080346075                     MORTGAGORS:           BOLING, M

                                                               BOLING, FRANCES

                                                       ADDRESS     :          8 SWING ABOUT
   MORTGAGE AMT:               349,600.00              CITY              :    HILTON HEAD        SC       29928
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            349,371.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,595.7879.45455       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080346422                     MORTGAGORS:           LOGAN, MICHAEL

                                                               LOGAN, ANDREA    LOGAN, ANDREA

                                                       ADDRESS     :          1388 SUNFLOWER LANE
   MORTGAGE AMT:               271,950.00              CITY              :    BRENTWOOD CA       94513
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            271,950.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,067.0279.99894       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080346612                     MORTGAGORS:           CICHOCKI, KENNETH

                                                               BANAU, MARY

                                                       ADDRESS     :          5612 TEMPLIN WAY
   MORTGAGE AMT:               358,000.00              CITY              :    Plano TX  75093
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            357,765.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,658.1460.88000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080347990                     MORTGAGORS:           CERDA, EDUARDO

                                                               CERDA, VIRGINIA

                                                       ADDRESS     :          2834 WHISPERING OAK COURT
   MORTGAGE AMT:               482,600.00              CITY              :    CHINO HILLS        CA       91709
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            482,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,374.4179.99960       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080348105                     MORTGAGORS:           WILLIAMS, BRADLEY

                                                               WILLIAMS, KIMBERLY

                                                       ADDRESS     :          305 ARROWHEAD WAY
   MORTGAGE AMT:               340,000.00              CITY              :    HAYWARD   CA       94544
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            340,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,377.3379.62529       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080348188                     MORTGAGORS:           BUYAMA, ROLAND

                                                       ADDRESS     :          28630 HUCKLEBERRY LANE
   MORTGAGE AMT:               259,200.00              CITY              :    VISTA CA  92084
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            259,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,901.9280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080348212                     MORTGAGORS:           MORTON, JAMES

                                                               MORTON, CORENE   MORTON, COREENE

                                                       ADDRESS     :          28 VIA PELAYO
   MORTGAGE AMT:               302,090.00              CITY              :    RANCHO SANT        CA       92688
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            301,683.260              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,216.6395.00014       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080349020                     MORTGAGORS:           EISENBERGER, SHELDON

                                                               EISENBERGER, NAOMI

                                                       ADDRESS     :          1057 EAST 19TH STREET
   MORTGAGE AMT:               585,000.00              CITY              :    BROOKLYN  NY       11230
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            585,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,550.0775.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080349228                     MORTGAGORS:           RUNDQUIST, ERIC

                                                               RUNDQUIST, ANN   Rundquist, Ann

                                                       ADDRESS     :          2662 KRING DRIVE
   MORTGAGE AMT:               384,000.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            384,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,918.6880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080349269                     MORTGAGORS:           McVeagh, Nora

                                                               McVeagh,, Robert McVeagh, Robert

                                                       ADDRESS     :          204 Campbell Road
   MORTGAGE AMT:               308,000.00              CITY              :    GreenvilleDE       19807
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            308,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,180.0080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080349632                     MORTGAGORS:           PACE, JOANNE

                                                               BALLARD, ERIC    BALLARD, ERIC

                                                       ADDRESS     :          2965 ANGUS STREET
   MORTGAGE AMT:               599,000.00              CITY              :    LOS ANGELSCA       90039
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            598,555.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,188.3079.97330       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080349657                     MORTGAGORS:           SANTA ANA, MARIBEL

                                                               DE LEON, WILLIAM DE LEON, WILLIAM

                                                       ADDRESS     :          139 ROSTI
   MORTGAGE AMT:               266,500.00              CITY              :    HERCULES  CA       94547
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            266,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,978.7589.42953       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080349806                     MORTGAGORS:           JOHNSON, CARRIE

                                                       ADDRESS     :          16790 TREETOP LANE
   MORTGAGE AMT:               271,920.00              CITY              :    RIVERSIDE CA       92503
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            271,767.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,163.5280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080350242                     MORTGAGORS:           KRIVACEK, PAUL

                                                       ADDRESS     :          154 CAMBRIDGE STREET
   MORTGAGE AMT:               300,000.00              CITY              :    WINCHESTERMA       01890
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,201.3076.94281       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080350549                     MORTGAGORS:           SHEPPARD, CARLYLE

                                                               SHEPPARD, CAROL

                                                       ADDRESS     :          29 GOLF COURSE DRIVE
   MORTGAGE AMT:               440,000.00              CITY              :    SUFFERN   NY       10901
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            439,361.040              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,114.3076.77938       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080350622                     MORTGAGORS:           DOHR, WILLIAM

                                                       ADDRESS     :          221 HELIOTROPE AVENUE
   MORTGAGE AMT:               295,000.00              CITY              :    CORONA DELCA       92625
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            294,802.160              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,164.5147.20000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080350754                     MORTGAGORS:           GRUDER, HOWARD

                                                               GRUDER, DONNA

                                                       ADDRESS     :          2753 BENT TREE COURT
   MORTGAGE AMT:               257,600.00              CITY              :    FAIRFIELD CA       94533
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            257,427.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,890.1880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080350879                     MORTGAGORS:           MAIER, KEVIN

                                                               MAIER, MARIA     MAIER, MARIA

                                                       ADDRESS     :          86 BOW OARSMAN ROAD
   MORTGAGE AMT:                80,000.00              CITY              :    EAST HAMPTO        NY       11937
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:             79,451.240              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            669.1644.44444         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  105        07/01/19

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080350929                     MORTGAGORS:           THOMS, LISA

                                                       ADDRESS     :          15836 38TH AVENUE NE,
   MORTGAGE AMT:               352,000.00              CITY              :    LAKE FOREST        WA       98155
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            352,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,675.4580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080350960                     MORTGAGORS:           GRASSLE, KAREN

                                                       ADDRESS     :          14820 WEST SUNSET BOULEVA
   MORTGAGE AMT:               420,000.00              CITY              :    PACIFIC PAL        CA       90272
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            419,752.030              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,266.7262.68657       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080351133                     MORTGAGORS:           TRUJILLO, ISIDRO
                                                               RODRIGUEZ, SOFIA
                                                               TRUJILLO, MARIA  RODRIGUEZ, FERNANDO

                                                       ADDRESS     :          382 ALRIC COURT
   MORTGAGE AMT:               260,000.00              CITY              :    SAN JOSE  CA       95123
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            259,499.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,953.3078.31325       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080351208                     MORTGAGORS:           PAULSON, KENNETH

                                                               PAULSON, KELLY

                                                       ADDRESS     :          38 MOUNTAINGATE ROAD
   MORTGAGE AMT:                96,300.00              CITY              :    ASHLAND   MA       01721
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:             95,961.630              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            790.5860.56604         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  105        09/01/19

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080351273                     MORTGAGORS:           CAIRNS, ROBERT

                                                               CAIRNS, ELIZABETH        CAIRNS, ELIZABETH

                                                       ADDRESS     :          2024 HOLLY VISTA AVENUE
   MORTGAGE AMT:               335,200.00              CITY              :    LOS ANGELES        CA       90027
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            334,975.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,459.5880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080351851                     MORTGAGORS:           HALLORAN, DENNIS

                                                               HALLORAN, GERALDINE

                                                       ADDRESS     :          45 RIVERSIDE DRIVE
   MORTGAGE AMT:               251,000.00              CITY              :    HANOVER   MA       02339
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            250,831.580              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,841.7579.93631       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080352016                     MORTGAGORS:           WALLACE, DAVID

                                                               WALLACE, KAREN   WALLACE, KAREN

                                                       ADDRESS     :          1735 EAST CARVER ROAD
   MORTGAGE AMT:               560,000.00              CITY              :    TEMPE AZ  85284
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            560,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,011.9174.66667       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080352065                     MORTGAGORS:           MULLIGAN, DANIEL

                                                               CODY, CARON

                                                       ADDRESS     :          500 BULIAN LANE
   MORTGAGE AMT:               266,400.00              CITY              :    AUSTIN    TX       78746
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            266,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,954.7580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080352339                     MORTGAGORS:           DUNN, RAYMOND

                                                               DUNN, KIM        DUNN, KIM

                                                       ADDRESS     :          36 GLEN ECHO
   MORTGAGE AMT:               441,000.00              CITY              :    DOVE CANYON        CA       92679
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            440,672.710              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,083.5490.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353022                     MORTGAGORS:           MCCARTHY, RICHARD

                                                               MCCARTHY, AMY

                                                       ADDRESS     :          1421 OAK BLUFF RD
   MORTGAGE AMT:               538,000.00              CITY              :    EDGEWATER MD       21037
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            536,989.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,089.1977.55179       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353030                     MORTGAGORS:           RINAS, KURT

                                                               RINAS, BARBARA   RINAS, BARBARA

                                                       ADDRESS     :          75 MERRY GO ROUND ROCK RD
   MORTGAGE AMT:               300,000.00              CITY              :    SEDONA    AZ       86351
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            298,815.620              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,046.5361.22449       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353048                     MORTGAGORS:           YAP, DARREN

                                                               C  YAP, MARY

                                                       ADDRESS     :          336 CASTILE WAY
   MORTGAGE AMT:               330,000.00              CITY              :    SOUTH SAN F        CA       94080
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            328,853.880              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,140.3853.19964       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353055                     MORTGAGORS:           GALLAGHER, MARK

                                                               GALLAGHER, MARYANNE

                                                       ADDRESS     :          20 SYLVAN CT
   MORTGAGE AMT:               491,800.00              CITY              :    MAHWAH    NJ       07430
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            489,429.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,354.9480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353063                     MORTGAGORS:           POPOWSKI, DANIEL

                                                               POPOWSKI, CINDI

                                                       ADDRESS     :          623  PINEY HILL RD
   MORTGAGE AMT:               375,000.00              CITY              :    MONKTON   MD       21111
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            372,062.700              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,622.0577.31959       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353071                     MORTGAGORS:           BREISCH, ROBERT

                                                               BREISCH, CARLA

                                                       ADDRESS     :          1907 BULL RIDGE DRIVE
   MORTGAGE AMT:               376,000.00              CITY              :    MCHENRY   IL       60050
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            374,873.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,629.0580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353089                     MORTGAGORS:           GELLATELY, ROBERT

                                                       ADDRESS     :          11 BIRCH BRUSH ROAD
   MORTGAGE AMT:               318,950.00              CITY              :    SHREWSBURYMA       01545
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            317,970.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,202.9174.99800       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353097                     MORTGAGORS:           THEIL, DAVID

                                                       ADDRESS     :          1784 DAWSON ST
   MORTGAGE AMT:               244,000.00              CITY              :    VIENNA    VA       22182
   LIFETIME RATE :               6.62500
   UNPAID BALANCE:            242,467.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,562.3676.01246       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        04/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353105                     MORTGAGORS:           RANHEIM, PAUL

                                                               RANHEIM, KATHRYN RANHEIM, KATHRYN

                                                       ADDRESS     :          RR #1, BOX 110A
   MORTGAGE AMT:               440,000.00              CITY              :    PEQUOT LAKE        MN       56472
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            438,305.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,038.9750.86705       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353121                     MORTGAGORS:           CAMPBELL, GEOFFREY

                                                               CAMPBELL, BONNIE CAMPBELL, BONNIE

                                                       ADDRESS     :          1023 RICHARDSON DRIVE
   MORTGAGE AMT:               264,000.00              CITY              :    SIMI VALLEY        CA       93065
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            262,957.730              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,800.9580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353139                     MORTGAGORS:           KELL, CAROL

                                                       ADDRESS     :          2236 Q STREET N W
   MORTGAGE AMT:               400,000.00              CITY              :    WASHINGTONDC       20008
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            398,497.030              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,796.8680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353147                     MORTGAGORS:           LEVESQUE, DONALD

                                                               LEVESQUE, KATHRYN        LEVESQUE, KATHRYN

                                                       ADDRESS     :          26 FORDHAM WAY
   MORTGAGE AMT:               383,250.00              CITY              :    NEWBURY   MA       01951
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            381,809.970              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,679.7475.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353154                     MORTGAGORS:           JACKSON, SCOTT

                                                               HALL JACKSON, TERESA

                                                       ADDRESS     :          16610 PEACH STREET
   MORTGAGE AMT:               399,000.00              CITY              :    BOWIE MD  20720
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            397,394.180              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,824.1078.23529       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353162                     MORTGAGORS:           WEINGART, JEFFREY

                                                               WEINGART, NAOMI  WEINGART, NAOMI

                                                       ADDRESS     :          4 BARN SWALLOW DRIVE
   MORTGAGE AMT:               400,000.00              CITY              :    WESTPORT  CT       06880
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            398,382.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,728.7154.49591       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353170                     MORTGAGORS:           MCARTHUR, MARK

                                                               MCARTHUR, JULIE  MCARTHUR, JULIE

                                                       ADDRESS     :          6310 SUMMITT CIRCLE
   MORTGAGE AMT:               330,000.00              CITY              :    CHANHASSENMN       55317
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            328,597.810              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,167.8774.57627       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353188                     MORTGAGORS:           MORGAN, RICHARD

                                                               MORGAN, CATHERINE

                                                       ADDRESS     :          866 COLCORD PLACE
   MORTGAGE AMT:               311,000.00              CITY              :    GLEN ELLYNIL       60137
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            309,860.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,201.2478.73418       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353196                     MORTGAGORS:           SARNATARO, PATRICK

                                                       ADDRESS     :          15221 N CLUBGATE DRIVE
   MORTGAGE AMT:               246,600.00              CITY              :    SCOTTSDALEAZ       85254
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            245,262.020              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,703.2194.12214       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        04/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353204                     MORTGAGORS:           DILLON, PATRICK

                                                               DILLON, CHRISTINE        DILLON, CHRISTINE

                                                       ADDRESS     :          2667 KEYSTONE DRIVE
   MORTGAGE AMT:               519,900.00              CITY              :    EVERGREEN CO       80439
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            517,079.200              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,590.8279.99692       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        04/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353212                     MORTGAGORS:           AVIS, NANCY

                                                       ADDRESS     :          49 DUNCKLEE STREET
   MORTGAGE AMT:               332,800.00              CITY              :    NEWTON    MA       02461
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            331,777.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,298.5780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353220                     MORTGAGORS:           KINGMAN, PHILIP

                                                               KINGMAN, SUSAN   KINGMAN, SUSAN

                                                       ADDRESS     :          245 OAK HILL CIRCLE
   MORTGAGE AMT:               336,000.00              CITY              :    CONCORD   MA       01742
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            334,606.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,235.4273.84615       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353238                     MORTGAGORS:           LYON, DAVID

                                                               MOU LYON, MARGARET       MOU LYON, MARGARET

                                                       ADDRESS     :          30 WINDKIST FARM ROAD
   MORTGAGE AMT:               447,760.00              CITY              :    NORTH ANDOV        MA       01845
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            446,314.940              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,016.6480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353246                     MORTGAGORS:           MCGOWAN, BERNARD

                                                               MCGOWAN, SHARYN

                                                       ADDRESS     :          110 D HUNTINGTON ROAD
   MORTGAGE AMT:               500,000.00              CITY              :    BOSTON    MA       02135
   LIFETIME RATE :               6.62500
   UNPAID BALANCE:            497,913.770              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,201.5552.63158       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353261                     MORTGAGORS:           GRAMER, RICHARD

                                                               GRAMER, ROBBIANNE

                                                       ADDRESS     :          11030 NORTH  75TH STREET
   MORTGAGE AMT:               332,000.00              CITY              :    SCOTTSDALEAZ       85260
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            330,689.270              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,264.8380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353279                     MORTGAGORS:           EUBANKS, WARREN

                                                               EUBANKS, COLLEEN

                                                       ADDRESS     :          3135 QUESADA STREET NW
   MORTGAGE AMT:               346,500.00              CITY              :    WASHINGTONDC       20015
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            345,353.940              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,305.2790.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353287                     MORTGAGORS:           BOHM, GEORGE

                                                               BOHM, KAREN      BOHM, KAREN

                                                       ADDRESS     :          6591 EAST STALLION ROAD
   MORTGAGE AMT:               550,000.00              CITY              :    PARADISE VA        AZ       85253
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            547,774.610              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,705.4579.02299       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353295                     MORTGAGORS:           FERRAGINE, SALVATORE

                                                               FERRAGINE, CARLA FERRAGINE, CARLA

                                                       ADDRESS     :          87 FERNIA DRIVE
   MORTGAGE AMT:               280,000.00              CITY              :    RANDOLPH  NJ       07869
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            279,139.880              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,933.8968.29268       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353303                     MORTGAGORS:           CIGALOTTI, PETER

                                                               CIGALOTTI, DEBBY

                                                       ADDRESS     :          2000 SW 59TH AVENUE
   MORTGAGE AMT:               252,600.00              CITY              :    PLANTATIONFL       33317
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            251,120.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,723.1876.54545       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353311                     MORTGAGORS:           BILLINGS, BRIAN

                                                               BJERKE, TREVA

                                                       ADDRESS     :          8170 TRILIUM LANE
   MORTGAGE AMT:               266,000.00              CITY              :    VICTORIA  MN       55386
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            265,095.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,951.8195.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353329                     MORTGAGORS:           O'DELL, JAMES

                                                               GOUARIAN, LILIA  GOUARIAN, LILIA

                                                       ADDRESS     :          35 FRANCES STREET
   MORTGAGE AMT:               252,000.00              CITY              :    MELROSE   MA       02176
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            251,121.440              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,827.1780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353337                     MORTGAGORS:           DVORAK, CHRISTOPHE

                                                               DVORAK, MAUREEN  DVORAK, MAUREEN

                                                       ADDRESS     :          105 SOUTHCOTE ROAD
   MORTGAGE AMT:               270,000.00              CITY              :    RIVERSIDE IL       60546
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            269,010.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,911.0488.52459       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353345                     MORTGAGORS:           GLOVER, RODNEY

                                                               GLOVER, TERI

                                                       ADDRESS     :          935 WINGED FOOT WAY
   MORTGAGE AMT:               280,000.00              CITY              :    CINCINNATIOH       45245
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            277,623.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,910.0958.03109       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353352                     MORTGAGORS:           BROCK, NEIL

                                                               BROCK, LAURA

                                                       ADDRESS     :          2 CANDIDA LANE
   MORTGAGE AMT:               352,000.00              CITY              :    ACTON MA  01720
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            350,835.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,341.8680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353360                     MORTGAGORS:           KEMLING, MICHELLE

                                                               GRAICHEN, LINDSAY        GRAICHEN, LINDSAY

                                                       ADDRESS     :          47 HOWARD STREET
   MORTGAGE AMT:               251,910.00              CITY              :    FAIRFIELD CT       06430
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            251,136.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,739.8890.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353378                     MORTGAGORS:           TURNEY, TOM

                                                               TURNEY, PEGGY

                                                       ADDRESS     :          375 SILVER SADDLE ROAD
   MORTGAGE AMT:               335,000.00              CITY              :    MONUMENT  CO       80132
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            333,836.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,172.8067.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353386                     MORTGAGORS:           RADMAN, DANIEL

                                                               DICK, STEPHANIE

                                                       ADDRESS     :          5 COMPO HILL AVENUE
   MORTGAGE AMT:               340,000.00              CITY              :    WESTPORT  CT       06880
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            338,657.710              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,319.4080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353394                     MORTGAGORS:           HILL, GEORGE

                                                               HILL, MICHELE

                                                       ADDRESS     :          2358 US HWY 181 NORTH
   MORTGAGE AMT:               304,000.00              CITY              :    FLORESVILLE        TX       78114
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            302,799.810              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,073.8272.38095       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353402                     MORTGAGORS:           MORGAN, WILLIAM

                                                               MORGAN, BRENDA

                                                       ADDRESS     :          14308 DUNCANNON COURT
   MORTGAGE AMT:               360,000.00              CITY              :    BOWIE MD  20721
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            358,423.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,486.4480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353410                     MORTGAGORS:           VENABLE, ROBERT

                                                               VENABLE, DYAN

                                                       ADDRESS     :          4402 AZEELE AVENUE WEST
   MORTGAGE AMT:               325,200.00              CITY              :    TAMPA FL  33609
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            323,609.950              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,246.0879.31707       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353428                     MORTGAGORS:           STRATINSKY, TIMOTHY

                                                               STRATINSKY, NANCY        STRATINSKY, NANCY

                                                       ADDRESS     :          8900 W 100TH ST
   MORTGAGE AMT:               263,200.00              CITY              :    PALOS HILLS        IL       60465
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            262,160.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,795.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353436                     MORTGAGORS:           BAUER, JOHN

                                                               ELROY BAUER, TERESA      ELROY BAUER, TERESA

                                                       ADDRESS     :          47 ANGELO WALK
   MORTGAGE AMT:               577,000.00              CITY              :    LONG BEACHCA       90803
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            575,270.990              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,034.4765.94286       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353444                     MORTGAGORS:           BATEMAN, JACK

                                                               BATEMAN, LAUREN

                                                       ADDRESS     :          2760 HAWKSBURY BOULEVARD
   MORTGAGE AMT:               420,000.00              CITY              :    HUDSON    OH       44236
   LIFETIME RATE :               6.62500
   UNPAID BALANCE:            418,505.440              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,689.3180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353451                     MORTGAGORS:           PROIE, ROBERT

                                                               PROIE, JANICE    PROIE, JANICE

                                                       ADDRESS     :          4363 LAKEVIEW GLEN DRIVE
   MORTGAGE AMT:               256,000.00              CITY              :    MONTVILLE T        OH       44256
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            255,110.850              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,660.4280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353469                     MORTGAGORS:           WHAMOND, JAMES

                                                               WHAMOND, KATHLEEN

                                                       ADDRESS     :          14 SILVER SPRING ROAD
   MORTGAGE AMT:               550,000.00              CITY              :    WILTON    CT       06897
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            548,310.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,798.7164.74397       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353477                     MORTGAGORS:           KAUFMAN, JEFFREY

                                                               KAUFMAN, KIMBERLEE

                                                       ADDRESS     :          6 FORREST STREET
   MORTGAGE AMT:               330,800.00              CITY              :    UPTON MA  01568
   LIFETIME RATE :               6.50000
   UNPAID BALANCE:            327,900.230              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,233.5989.98912       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/24

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353485                     MORTGAGORS:           SWEENEY, SEAN

                                                               SWEENEY, LISA

                                                       ADDRESS     :          32 VIRGINIA ROAD
   MORTGAGE AMT:               400,000.00              CITY              :    NEEDHAM   MA       02494
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            398,570.060              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,865.6562.69592       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353493                     MORTGAGORS:           ZINN, ROBERT

                                                               ZINN, KATHRYN

                                                       ADDRESS     :          56 KNIGHT ROAD EXTENSION
   MORTGAGE AMT:               287,100.00              CITY              :    FRAMINGHAMMA       01701
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            286,309.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,156.8994.90909       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353501                     MORTGAGORS:           LEEDY, FRANK

                                                       ADDRESS     :          9322 EAST LA POSADA COURT
   MORTGAGE AMT:               303,000.00              CITY              :    SCOTTSDALEAZ       85255
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            301,832.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,092.7579.73684       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353519                     MORTGAGORS:           FLYNN, DAVID

                                                       ADDRESS     :          1213 SOUTH GROVE AVENUE
   MORTGAGE AMT:               416,000.00              CITY              :    PARK RIDGEIL       60068
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            414,357.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,837.8680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353535                     MORTGAGORS:           KRAVETZ, CHARLES

                                                               SINAY, DEBORAH

                                                       ADDRESS     :          31 BRADFORD ROAD
   MORTGAGE AMT:               390,000.00              CITY              :    WELLESLEY MA       02181
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            386,097.990              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,965.4229.43396       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/19

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353543                     MORTGAGORS:           GREENSTEIN, GARY

                                                               GREENSTEIN, DEBORAH

                                                       ADDRESS     :          6 LOWERY ROAD
   MORTGAGE AMT:               252,000.00              CITY              :    FRAMINGHAMMA       01701
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            251,206.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,719.0880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353550                     MORTGAGORS:           KORIN, HILLEL

                                                               ORLICK KORIN, CAREN

                                                       ADDRESS     :          60  ROCKVIEW STREET UNIT
   MORTGAGE AMT:               303,050.00              CITY              :    JAMAICA PLA        MA       02130
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            302,141.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,118.9795.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353568                     MORTGAGORS:           ROSENBERG, ERNEST

                                                               ROSENBERG, AGNES

                                                       ADDRESS     :          4319 TOMAHAWK LANE
   MORTGAGE AMT:               268,000.00              CITY              :    VERMILION OH       44089
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            266,977.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,873.8978.59238       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353576                     MORTGAGORS:           MIELING, GEORG

                                                               MIELING, ANNE    MIELING, ANNE

                                                       ADDRESS     :          24 MOSELEY AVENUE
   MORTGAGE AMT:               528,000.00              CITY              :    NEEDHAM   MA       02492
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            525,915.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,601.8980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353592                     MORTGAGORS:           BALLANTYNE, CHARLES A

                                                               BALLANTYNE, SHIRLEY      BALLANTYNE, SHIRLEY

                                                       ADDRESS     :          9301 ST JAMES CIRCLE
   MORTGAGE AMT:               266,400.00              CITY              :    LAS VEGAS NV       89117
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            265,134.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,817.3280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353600                     MORTGAGORS:           WIEDERHOLT, BRADLEY

                                                               WIEDERHOLT, JACQUELINE

                                                       ADDRESS     :          140 WHITNEY VALLEY WALK
   MORTGAGE AMT:               392,000.00              CITY              :    DULUTH    GA       30097
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            390,334.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,575.1680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353618                     MORTGAGORS:           PFAFF, STEPHEN

                                                               HOWLAND, DARLENE HOWLAND, DARLENE

                                                       ADDRESS     :          57 WHITTIER ROAD,
   MORTGAGE AMT:               305,000.00              CITY              :    WELLESLEY MA       02481
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            303,364.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,978.2243.57143       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353626                     MORTGAGORS:           IVERSON, STEVEN

                                                               IVERSON, JO

                                                       ADDRESS     :          1485 NEAL AVENUE COURT NO
   MORTGAGE AMT:               311,303.00              CITY              :    WEST LAKELA        MN       55082
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            309,980.270              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,045.0479.99995       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353634                     MORTGAGORS:           GREEN, JEFFREY

                                                               GREEN, KAREN     GREEN, KAREN

                                                       ADDRESS     :          1022 BURLWOOD DR.,
   MORTGAGE AMT:               310,000.00              CITY              :    SAN JOSE  CA       95120
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            308,650.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,010.6561.38614       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353642                     MORTGAGORS:           WILLIAMS, JOHN

                                                               WILLIAMS, MARLIN

                                                       ADDRESS     :          518 21ST STREET
   MORTGAGE AMT:               396,000.00              CITY              :    HUNTINGTONCA       92648
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            394,397.690              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,667.9380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353659                     MORTGAGORS:           COSTAS, PAUL

                                                               CAHILL, TERESA

                                                       ADDRESS     :          95 MAYO ROAD
   MORTGAGE AMT:               312,500.00              CITY              :    WELLESLEY MA       02181
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            311,563.580              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,185.0571.02273       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353667                     MORTGAGORS:           CRAFT, JAMES

                                                               KELLEHER, TIMOTHY        KELLEHER, TIMOTHY

                                                       ADDRESS     :          166 MIDDLETON ROAD
   MORTGAGE AMT:               510,000.00              CITY              :    BOXFORD   MA       01921
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            508,394.130              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,479.1078.46154       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353675                     MORTGAGORS:           CAMPBELL, SCOTT

                                                               CAMPBELL, BARBARA        CAMPBELL, BARBARA

                                                       ADDRESS     :          36973 RCR 14
   MORTGAGE AMT:               272,000.00              CITY              :    STEAMBOAT S        CO       80477
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            271,100.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,809.6365.22782       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353683                     MORTGAGORS:           REITMEYER, CYNTHIA

                                                               HLOTYAK, STEPHEN HLOTYAK, STEPHEN

                                                       ADDRESS     :          47 WARWICK ROAD
   MORTGAGE AMT:               344,000.00              CITY              :    BELMONT   MA       02478
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            343,481.710              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,584.3680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353691                     MORTGAGORS:           ROUNSLEY, TIMOTHY

                                                               ROUNSLEY, KELLY  ROUNSLEY, KELLY

                                                       ADDRESS     :          43132 BELGREEN DRIVE
   MORTGAGE AMT:               289,460.00              CITY              :    ASHBURN   VA       20147
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            288,548.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,974.6379.99735       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353717                     MORTGAGORS:           ROUCO, EMILIO

                                                               ROUCO, MARGARET

                                                       ADDRESS     :          2923 VIEWPOINT ROAD
   MORTGAGE AMT:               341,000.00              CITY              :    ALEXANDRIAVA       22314
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            338,608.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,240.1372.55319       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353725                     MORTGAGORS:           TOWNSEND, VICTOR

                                                       ADDRESS     :          2381 LEPTIS CIRCLE
   MORTGAGE AMT:               261,250.00              CITY              :    MORGAN HILL        CA       95037
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            260,068.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,826.7095.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353741                     MORTGAGORS:           LEE, SUSAN

                                                       ADDRESS     :          3159 N QUINCY STREET
   MORTGAGE AMT:               360,000.00              CITY              :    ARLINGTON VA       22207
   LIFETIME RATE :               6.62500
   UNPAID BALANCE:            358,394.270              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,305.1271.28713       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353758                     MORTGAGORS:           SANASAC, PAUL

                                                               SANASAC, LINDA

                                                       ADDRESS     :          23 EAGLE ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    TIJERAS   NM       87059
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            298,756.010              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,995.9169.76744       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353766                     MORTGAGORS:           ROGERS, DONALD

                                                               ROGERS, PATRICIA

                                                       ADDRESS     :          7334 VISTA DEL MAR
   MORTGAGE AMT:               500,000.00              CITY              :    PLAYA DEL R        CA       90293
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            498,026.060              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,410.8862.89308       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353774                     MORTGAGORS:           RADKOWSKI, MARY

                                                       ADDRESS     :          539 SUNSET DRIVE
   MORTGAGE AMT:               312,000.00              CITY              :    TABERNASH CO       80478
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            309,989.630              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,154.9180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353782                     MORTGAGORS:           RAMSEY, LARA

                                                               RAMSEY, AARON    RAMSEY, AARON

                                                       ADDRESS     :          3075 11TH STREET
   MORTGAGE AMT:               441,200.00              CITY              :    BOULDER   CO       80304
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            439,704.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,898.3780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353790                     MORTGAGORS:           CONLEY, KATHLEEN

                                                       ADDRESS     :          631 BROCTON COURT
   MORTGAGE AMT:               295,900.00              CITY              :    LONG BEACHCA       90803
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            294,642.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,943.8579.99459       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353808                     MORTGAGORS:           BACH, CHRISTOPHE

                                                               BACH, SHARON     BACH, SHARON

                                                       ADDRESS     :          8996 CINNABAR DR
   MORTGAGE AMT:               267,000.00              CITY              :    BRECKSVILLE        OH       44141
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            266,179.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,844.1179.74910       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353816                     MORTGAGORS:           REYNOLDS, BRETT

                                                               REYNOLDS, JULIE  REYNOLDS, JULIE

                                                       ADDRESS     :          3589 RESERVE DRIVE
   MORTGAGE AMT:               299,250.00              CITY              :    MEDINA TOWN        OH       44256
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            298,330.730              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,066.8595.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353824                     MORTGAGORS:           RIVERO, ANTHONY

                                                               RIVERO, MARIE    RIVERO, MARIE

                                                       ADDRESS     :          5354 HANSELL DRIVE
   MORTGAGE AMT:               287,100.00              CITY              :    SAN JOSE  CA       95123
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            285,994.200              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,982.9390.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353832                     MORTGAGORS:           FLAHERTY, BRIAN

                                                               FLAHERTY, MARGARET

                                                       ADDRESS     :          320 MARKS ROAD
   MORTGAGE AMT:               536,000.00              CITY              :    ALAMO CA  94507
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            533,107.440              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,656.4680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353857                     MORTGAGORS:           KELLETT, DONALD

                                                               CRAWFORD, KIMBERLY

                                                       ADDRESS     :          121 WILLOWLEAF DRIVE
   MORTGAGE AMT:               279,600.00              CITY              :    LITTLETON CO       80127
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            278,319.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,931.1380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353865                     MORTGAGORS:           CRUDDER, KEVIN

                                                               KESSLER, JOLENE

                                                       ADDRESS     :          120 BELLINGHAM ROAD
   MORTGAGE AMT:               269,000.00              CITY              :    BROOKLINE MA       02467
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            267,963.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,857.9268.10127       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353873                     MORTGAGORS:           CALIFANO, PETER

                                                               CALIFANO, GINA

                                                       ADDRESS     :          27661 ELDENA DRIVE
   MORTGAGE AMT:               289,000.00              CITY              :    RANCHO PALO        CA       90275
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            287,812.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,020.7369.63855       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353915                     MORTGAGORS:           GILLIS, GRAHAM

                                                               GILLIS, KATE

                                                       ADDRESS     :          8211 CORTE LAS LENAS
   MORTGAGE AMT:               344,000.00              CITY              :    SAN DIEGO CA       92129
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            342,675.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,375.9280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353923                     MORTGAGORS:           FLANIGAN, HUGH

                                                               FLANIGAN, JENNIFER

                                                       ADDRESS     :          24 LOADING PLACE ROAD
   MORTGAGE AMT:               270,000.00              CITY              :    MANCHESTERMA       01944
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            269,084.840              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,773.7170.31250       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353931                     MORTGAGORS:           MENDOZA, ROBERTO

                                                               SMYTH MENDOZ, SHANNON

                                                       ADDRESS     :          1484 PADRES DRIVE
   MORTGAGE AMT:               346,500.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            345,132.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,363.7590.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353949                     MORTGAGORS:           LONG, KURTIS

                                                       ADDRESS     :          78 LOYOLA AVENUE
   MORTGAGE AMT:               269,950.00              CITY              :    MENLO PARKCA       94025
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            268,985.010              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,933.9589.98333       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353956                     MORTGAGORS:           DEGNAN, JOHN

                                                               DEGNAN, BARBARA

                                                       ADDRESS     :          5212 LARADA LANE,
   MORTGAGE AMT:               330,000.00              CITY              :    EDINA MN  55436
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            328,908.490              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,195.5067.34694       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353964                     MORTGAGORS:           O'BRIEN, EDWARD F

                                                               O'BRIEN, DIANA

                                                       ADDRESS     :          5 BRIARWOOD ROAD
   MORTGAGE AMT:               261,250.00              CITY              :    NORFOLK   MA       02056
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            260,493.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,894.2495.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353972                     MORTGAGORS:           CODER, RONALD

                                                               CODER, DORI      CODER, DORI

                                                       ADDRESS     :          14549 POWAY MESA COURT
   MORTGAGE AMT:               247,000.00              CITY              :    POWAY CA  92064
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            246,024.850              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,684.9895.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353980                     MORTGAGORS:           GARCIA, ENRIQUE

                                                               GARCIA, KATHERINE

                                                       ADDRESS     :          5776 BRIARTREE DRIVE
   MORTGAGE AMT:               279,000.00              CITY              :    LA CANADA-FLINTRIDGE        CA       91011
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            277,875.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,974.7449.38053       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080353998                     MORTGAGORS:           SADLEIR, EDWARD

                                                               SADLEIR, MARILYN SADLEIR, MARILYN

                                                       ADDRESS     :          13382 JARMAN PLACE
   MORTGAGE AMT:               285,000.00              CITY              :    SAN DIEGO CA       92130
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            283,902.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,968.4251.81818       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354004                     MORTGAGORS:           NGUYEN, HON

                                                               NGUYEN, DUOC     NGUYEN, DUOC

                                                       ADDRESS     :          8300 SOUTH HOMESTEAD LANE
   MORTGAGE AMT:               357,300.00              CITY              :    TEMPE AZ  85283
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            355,957.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,498.2990.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354012                     MORTGAGORS:           ADLER, JAMES

                                                       ADDRESS     :          23 KILSYTH ROAD
   MORTGAGE AMT:               345,000.00              CITY              :    BROOKLINE MA       02445
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            343,671.180              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,382.8348.25175       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354020                     MORTGAGORS:           JOHNSON, JOHN

                                                               JOHNSON, LESLIE  JOHNSON, LESLIE

                                                       ADDRESS     :          8 BERNADETTE COURT
   MORTGAGE AMT:               265,000.00              CITY              :    EAST HANOVE        NJ       07936
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            264,165.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,807.7763.85542       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354038                     MORTGAGORS:           WEISEL, STEPHEN

                                                               WEISEL, CELLESTE WEISEL, CELLESTE

                                                       ADDRESS     :          18146 CHIEFTAIN COURT
   MORTGAGE AMT:               280,000.00              CITY              :    SAN DIEGO CA       92127
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            278,867.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,886.4176.08696       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354046                     MORTGAGORS:           BELLAH, ELVIN

                                                       ADDRESS     :          5174 EAST COUNTY 11 3/4 S
   MORTGAGE AMT:               257,550.00              CITY              :    YUMA  AZ  85365
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            256,697.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,735.1685.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354053                     MORTGAGORS:           CALLAGHAN, DEBORAH

                                                               O'ROURKE, DAVID

                                                       ADDRESS     :          99-101 SLADE STREET
   MORTGAGE AMT:               375,200.00              CITY              :    BELMONT   MA       02178
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            373,642.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,591.4180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354061                     MORTGAGORS:           ROSENHAGEN, KERRY

                                                               STEIN, ERIKA     STEIN, ERIKA

                                                       ADDRESS     :          5 NEWTON STREET
   MORTGAGE AMT:               306,800.00              CITY              :    CAMBRIDGE MA       02139
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            305,903.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,171.5194.98452       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354079                     MORTGAGORS:           DOYLE, MARK

                                                               DOYLE, NORA      DOYLE, NORA

                                                       ADDRESS     :          2737 MOUNT PLEASANT TRAIL
   MORTGAGE AMT:               500,000.00              CITY              :    DULUTH    GA       30097
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            498,074.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,453.3866.66667       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354087                     MORTGAGORS:           RANDALL, GLENN

                                                               LUTZ, ELLEN

                                                       ADDRESS     :          30 NOURSE STREET
   MORTGAGE AMT:               280,000.00              CITY              :    WESTBOROUGH        MA       01581
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            278,921.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,933.8968.29268       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354095                     MORTGAGORS:           TANGO, JOSAPHAT

                                                               TANGO, ELIZABETH

                                                       ADDRESS     :          32 ARLINGTON STREET
   MORTGAGE AMT:               576,000.00              CITY              :    NEWTON    MA       02458
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            574,186.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,929.3490.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354103                     MORTGAGORS:           HORBER, MICHAEL

                                                               HOLDER, JUDITH

                                                       ADDRESS     :          1502 CANOPY LN
   MORTGAGE AMT:               400,000.00              CITY              :    ST GEORGE I        FL       32328
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            398,459.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,762.7054.42177       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354111                     MORTGAGORS:           HORBER, MICHAEL

                                                               HORBER, JUDITH   HORBER, JUDITH

                                                       ADDRESS     :          2252 SAILFISH DRIVE
   MORTGAGE AMT:               400,000.00              CITY              :    ST GEORGE I        FL       32328
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            398,459.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,762.7060.60606       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354129                     MORTGAGORS:           REARDON, MICHAEL

                                                       ADDRESS     :          2549 WATERSIDE DRIVE NW
   MORTGAGE AMT:               300,000.00              CITY              :    WASHINGTONDC       20008
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            299,007.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,995.9180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354137                     MORTGAGORS:           FRANCIS, HUGH

                                                               FRANCIS, LORI    FRANCIS, LORI

                                                       ADDRESS     :          12273 EAST CORTEZ DRIVE
   MORTGAGE AMT:               245,000.00              CITY              :    SCOTTSDALEAZ       85259
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            244,056.360              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,692.1577.77778       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354145                     MORTGAGORS:           YABUT, CHRISTOPHE

                                                       ADDRESS     :          170 LOVELL ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    WATERTOWN MA       02472
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            298,786.120              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,021.1677.92208       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354152                     MORTGAGORS:           LAXPATI, SHARAD R

                                                               LAXPATI, MAUREEN

                                                       ADDRESS     :          4316 BERWYN AVENUE
   MORTGAGE AMT:               348,000.00              CITY              :    CHICAGO   IL       60630
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            346,659.630              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,403.5580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354160                     MORTGAGORS:           GENZEL, RICHARD

                                                               GENZEL, ARLENE

                                                       ADDRESS     :          5720 AVENIDA BARCELONA
   MORTGAGE AMT:               281,250.00              CITY              :    YORBA LINDA        CA       92887
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            280,219.180              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,990.6775.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354178                     MORTGAGORS:           PONTILLAS, JULIET
                                                               PONTILLAS, JOSE
                                                               PONTILLAS, JEAN

                                                       ADDRESS     :          3474 PINE CREEK DRIVE
   MORTGAGE AMT:               297,000.00              CITY              :    SAN JOSE  CA       95132
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            295,856.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,051.3187.35294       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354186                     MORTGAGORS:           RISOTTO, STEPHEN

                                                               TROVATO, JENIFER

                                                       ADDRESS     :          4124 NELLIE CURTIS DRIVE
   MORTGAGE AMT:               285,000.00              CITY              :    ARLINGTON VA       22207
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            282,965.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,872.2573.07692       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354194                     MORTGAGORS:           ZYKH, IGOR

                                                               ZYKH, TATYANA

                                                       ADDRESS     :          4 LEXINGTON COURT
   MORTGAGE AMT:               270,000.00              CITY              :    VOORHEES  NJ       08043
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            269,106.940              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,796.3278.26087       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354202                     MORTGAGORS:           DONOVAN, DEBORAH

                                                       ADDRESS     :          15 PARK VALE STREET
   MORTGAGE AMT:               256,000.00              CITY              :    BROOKLINE MA       02146
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            255,251.770              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,811.9580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354228                     MORTGAGORS:           BRUWELHEIDE, DENNIS

                                                               BRUWELHEIDE, ELLEN       BRUWELHEIDE, ELLEN

                                                       ADDRESS     :          17849 LANESBORO COURT
   MORTGAGE AMT:               305,500.00              CITY              :    LAKEVILLE MN       55044
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            304,538.040              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,084.0577.93367       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354236                     MORTGAGORS:           STEWART, BRIAN

                                                               STEWART, KELLY

                                                       ADDRESS     :          23151 VIA CELESTE STREET
   MORTGAGE AMT:               580,000.00              CITY              :    COTO DE CAZ        CA       92679
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            578,218.310              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,005.9280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354244                     MORTGAGORS:           OVERMEER, WILHELMUS

                                                               INTRIERE, LISA

                                                       ADDRESS     :          48 HALLET HILL ROAD
   MORTGAGE AMT:               427,500.00              CITY              :    WESTON    MA       02493
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            426,219.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,989.1475.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354251                     MORTGAGORS:           HARDY, HOWARD

                                                               HARDY, JOYCE

                                                       ADDRESS     :          61 RED TAIL LANE
   MORTGAGE AMT:               510,000.00              CITY              :    ASPEN CO  81611
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            508,083.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,565.9951.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354269                     MORTGAGORS:           PEREZ, JESULITO

                                                       ADDRESS     :          6773 MUSCAT DRIVE
   MORTGAGE AMT:               266,000.00              CITY              :    SAN JOSE  CA       95119
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            264,975.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,837.2095.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354277                     MORTGAGORS:           MACDOUGALL, PAULA

                                                       ADDRESS     :          44 STEEP HILL ROAD
   MORTGAGE AMT:               524,000.00              CITY              :    WESTON    CT       06883
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            522,964.710              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,890.6980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354285                     MORTGAGORS:           FOSTER, PATRICIA

                                                               FOSTER, DANNY    FOSTER, DANNY

                                                       ADDRESS     :          W319 N1049 BALSAM LANE
   MORTGAGE AMT:               320,600.00              CITY              :    DELAFIELD WI       53018
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            319,334.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,187.0675.43529       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354293                     MORTGAGORS:           MCCABE, JANICE

                                                       ADDRESS     :          422 HERSHNER DRIVE
   MORTGAGE AMT:               326,250.00              CITY              :    LOS GATOS CA       95032
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            325,272.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,281.1975.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354301                     MORTGAGORS:           GOLDMAN, GEORGE A

                                                       ADDRESS     :          18 POPLAR DRIVE
   MORTGAGE AMT:               242,000.00              CITY              :    SHELTON   CT       06484
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            241,360.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,796.8494.90196       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354319                     MORTGAGORS:           BLACK, BERNARD

                                                               BLACK, DANIELLE

                                                       ADDRESS     :          3571 SW 177 AVENUE
   MORTGAGE AMT:               277,750.00              CITY              :    MIRAMAR   FL       33029
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            276,704.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,111.1094.99201       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354327                     MORTGAGORS:           BEHRENS, DANIEL

                                                       ADDRESS     :          830 WEDGEWOOD DRIVE
   MORTGAGE AMT:               284,000.00              CITY              :    MARYSVILLEOH       43040
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            282,932.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,985.7780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354335                     MORTGAGORS:           GARGANO, JOHN

                                                       ADDRESS     :          57 CINDY LANE
   MORTGAGE AMT:               319,920.00              CITY              :    GUILFORD  CT       06437
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            319,271.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,347.4680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354343                     MORTGAGORS:           BENEDETTO, VITTORIO

                                                               ANDRES, LINDA    ANDRES, LINDA

                                                       ADDRESS     :          180 NORTH CRESCENT AVENUE
   MORTGAGE AMT:               268,000.00              CITY              :    PALETINE  IL       60067
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            267,156.130              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,828.2380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354350                     MORTGAGORS:           WEINGAST, JOSHUA

                                                               WEINGAST, FRAN   WEINGAST, FRAN

                                                       ADDRESS     :          32 DOGWOOD LANE
   MORTGAGE AMT:               550,000.00              CITY              :    TENAFLY   NJ       07670
   LIFETIME RATE :               6.37500
   UNPAID BALANCE:            547,425.770              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,431.2875.86207       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354368                     MORTGAGORS:           EDMONDSON, JACQUELIN

                                                               BREITHAUPT, MICHAEL

                                                       ADDRESS     :          3703 EAST WEST HWY
   MORTGAGE AMT:               263,200.00              CITY              :    CHEVY CHASE        MD       20815
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            262,371.240              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,795.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354376                     MORTGAGORS:           HUGHES, BOB

                                                       ADDRESS     :          503 RANA LANE
   MORTGAGE AMT:               650,000.00              CITY              :    NICEVILLE FL       32578
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            647,496.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,489.3973.03371       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354384                     MORTGAGORS:           BAXTER, SCOTT

                                                               BAXTER, DOROTHY

                                                       ADDRESS     :          4086 LITTLE HOLLOW PLACE
   MORTGAGE AMT:               300,000.00              CITY              :    MOORPARK  CA       93021
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            299,144.800              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,149.2478.53403       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354400                     MORTGAGORS:           SWEENEY, PAUL

                                                               SWEENEY, SUSAN   SWEENEY, SUSAN

                                                       ADDRESS     :          46 ROUNDHILL ROAD
   MORTGAGE AMT:               303,900.00              CITY              :    KINGSTON  MA       02364
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            302,813.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,177.1879.99474       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354418                     MORTGAGORS:           GRIVETTI, ROGER

                                                               MILLEVILLE, ANNETTE      MILLEVILLE, ANNETTE

                                                       ADDRESS     :          261 NORTHWOOD ROAD
   MORTGAGE AMT:               250,800.00              CITY              :    RIVERSIDE IL       60546
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            250,029.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,732.2195.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354426                     MORTGAGORS:           MENDOZA, AMANDO

                                                               BARRERA, FELICISIMA

                                                       ADDRESS     :          3343 RAMONA STREET
   MORTGAGE AMT:               350,000.00              CITY              :    PALO ALTO CA       94306
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            348,510.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,299.2569.30693       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354434                     MORTGAGORS:           WOOD, D

                                                               KOSS, VICKI      KOSS, VICKI

                                                       ADDRESS     :          1997 E  BUCK RIDGE PLACE
   MORTGAGE AMT:               356,000.00              CITY              :    ORO VALLEYAZ       85737
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            354,959.470              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,519.7579.11111       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354442                     MORTGAGORS:           MCDANIEL, JAMES

                                                               MCDANIEL, KIMBERLY

                                                       ADDRESS     :          14500 ASCOT SQUARE CT
   MORTGAGE AMT:               337,500.00              CITY              :    BOYDS MD  20841
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            336,410.770              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,273.8075.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354459                     MORTGAGORS:           BROWN, WILLIAM

                                                               BROWN, DEBORAH   BROWN, DEBORAH

                                                       ADDRESS     :          4065 RIDGE STREET
   MORTGAGE AMT:               271,600.00              CITY              :    FAIR OAKS CA       95628
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            270,553.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,875.8780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354467                     MORTGAGORS:           LIVERPOOL, HENRY

                                                               LIVERPOOL, SUSAN LIVERPOOL, SUSAN

                                                       ADDRESS     :          1906 LAMSON PLACE
   MORTGAGE AMT:               296,000.00              CITY              :    MCLEAN    VA       22101
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            294,859.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,044.4080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354475                     MORTGAGORS:           FITZPATRICK, JAMES

                                                       ADDRESS     :          384 POLLING HOUSE ROAD
   MORTGAGE AMT:               264,000.00              CITY              :    HARWOOD   MD       20776
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            263,228.360              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,868.5868.57143       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354483                     MORTGAGORS:           FREED, MARC

                                                               MANCINI, CLAUDIA

                                                       ADDRESS     :          351 61ST STREET
   MORTGAGE AMT:               348,000.00              CITY              :    CLAREDON HI        IL       60514
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            346,626.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,373.9780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354491                     MORTGAGORS:           EMMER, JAMES

                                                               EMMER, NANATTE

                                                       ADDRESS     :          8718 RIDGE PONDS COURT
   MORTGAGE AMT:               320,000.00              CITY              :    VICTORIA  MN       55386
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            316,267.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,210.1673.73272       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354509                     MORTGAGORS:           GIANNELLI, FRANK

                                                               GIANNELLI, LORI  GIANNELLI, LORI

                                                       ADDRESS     :          68 QUAKER LANE
   MORTGAGE AMT:               371,620.00              CITY              :    BOLTON    MA       01740
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            370,478.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,566.6980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080354517                     MORTGAGORS:           MERRILL, W

                                                               MERRILL, PATRICIA        MERRILL, PATRICIA

                                                       ADDRESS     :          3087 WELWYN PLACE
   MORTGAGE AMT:               289,000.00              CITY              :    WALNUT CREE        CA       94598
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            287,741.810              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,874.4568.80952       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080355027                     MORTGAGORS:           PHILLIPS, MICHAEL

                                                               PHILLIPS, LAURIE

                                                       ADDRESS     :          29 NELSON STREET
   MORTGAGE AMT:               420,000.00              CITY              :    GEORGETOWNMA       01833
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            419,489.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,229.4480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080355845                     MORTGAGORS:           TILLOTSON, JEFFREY

                                                               TILLOTSON, DARA  TILLOTSON, DARA

                                                       ADDRESS     :          5604 LOBELLO DRIVE
   MORTGAGE AMT:               436,000.00              CITY              :    DALLAS    TX       75229
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            436,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,048.5868.49961       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080356298                     MORTGAGORS:           ADE, OLIVER

                                                               ADE, MEREDITH    ADE, MEREDITH

                                                       ADDRESS     :          2835 FLORAL DRIVE
   MORTGAGE AMT:               344,000.00              CITY              :    NORTHBROOKIL       60062
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            344,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,375.9280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080356389                     MORTGAGORS:           NGUYEN, DUYEN
                                                               PHAN, LIEN
                                                               NGUYEN, TONY

                                                       ADDRESS     :          10635 LA ALONDRA AVENUE
   MORTGAGE AMT:               260,000.00              CITY              :    FOUNTAIN VA        CA       92708
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            259,829.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,930.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080356413                     MORTGAGORS:           DEBBOLD, LESTER

                                                       ADDRESS     :          7980 Mitchell Court
   MORTGAGE AMT:               335,000.00              CITY              :    SebastopolCA       95472
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            335,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,399.9869.79000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080356421                     MORTGAGORS:           ZARAGOZA, JUAN
                                                               SILVA, RICARDO
                                                               QUINTANA, MARIANA        RODRIGUEZ,, FERNANDO

                                                       ADDRESS     :          2512 SLEEPY HOLLOW LANE
   MORTGAGE AMT:               251,750.00              CITY              :    SAN JOSE  CA       95116
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            251,601.360              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,958.0995.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080356462                     MORTGAGORS:           Grigsby, Mittie

                                                               Grigsby, Clifton Grigsby, Clifton

                                                       ADDRESS     :          8050 Hansom Drive
   MORTGAGE AMT:               325,550.00              CITY              :    Oakland   CA       94605
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            325,550.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,474.4285.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080356470                     MORTGAGORS:           DETLEFS, PHILIP

                                                               DETLEFS, SHARON

                                                       ADDRESS     :          2260 FAIRWAY DRIVE
   MORTGAGE AMT:               424,000.00              CITY              :    BATON ROUGE        LA       70809
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            422,729.460              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,964.6776.08793       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080356637                     MORTGAGORS:           WESTOVER, KEVIN

                                                               WESTOVER, GAYLE  Westover, Gayle

                                                       ADDRESS     :          2210 LAURIEN COURT
   MORTGAGE AMT:               307,300.00              CITY              :    WARSAW    IN       46580
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            307,300.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,308.6468.28889       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080357023                     MORTGAGORS:           TOYOOKA, PAUL

                                                               LASTRELLA, CLEO  LASTRELLA, CLEO

                                                       ADDRESS     :          642 BELVEDERE DRIVE
   MORTGAGE AMT:               316,000.00              CITY              :    BENICIA   CA       94510
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            316,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,236.6380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080357098                     MORTGAGORS:           WOODS, JUDITH

                                                               MOYNIHAN, FRANCIS        MOYNIHAN, FRANCIS

                                                       ADDRESS     :          40 HIGH STREET
   MORTGAGE AMT:               261,000.00              CITY              :    Randolph  MA       02368
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            260,841.880              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,006.8690.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080357320                     MORTGAGORS:           JAFFE, RICHARD

                                                       ADDRESS     :          1493 RIDLEY CREEK ROAD
   MORTGAGE AMT:               359,920.00              CITY              :    MEDIA PA  19063
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            359,920.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,609.6780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080357742                     MORTGAGORS:           KEVALAITIS, ANDREW

                                                               KEVALAITIS, DIANE        KEVALAITIS, DIANE

                                                       ADDRESS     :          4983 MARIN DRIVE
   MORTGAGE AMT:               278,000.00              CITY              :    OCEANSIDE CA       92056
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            278,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,015.6980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080358344                     MORTGAGORS:           KUMAR, SUNIL

                                                               KUMAR, BEATRICE

                                                       ADDRESS     :          1175 FAIRFORD WAY
   MORTGAGE AMT:               440,000.00              CITY              :    SAN JOSE  CA       95129
   LIFETIME RATE :               9.37500
   UNPAID BALANCE:            439,553.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,659.7080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080358393                     MORTGAGORS:           LOVE, JAMES

                                                       ADDRESS     :          1900 REGENCY COVE COURT
   MORTGAGE AMT:               271,125.00              CITY              :    ATLANTA   GA       30341
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            270,819.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,157.2090.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080358906                     MORTGAGORS:           DIAMOND, GREGORY

                                                               DIAMOND, JANICE  DIAMOND, JANICE

                                                       ADDRESS     :          9 DEMPSEY WAY
   MORTGAGE AMT:               256,400.00              CITY              :    WESTFORD  MA       01886
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            256,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,881.3882.70968       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080358922                     MORTGAGORS:           AARON, ALAN

                                                               FLOYD-AARON, DENICE

                                                       ADDRESS     :          2 KIMBA LANE
   MORTGAGE AMT:               251,000.00              CITY              :    Sagamore Beach     MA       02562
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            251,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,937.2672.13000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  114        11/01/24

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080358971                     MORTGAGORS:           RECHTSCHAFFE, HOWARD

                                                       ADDRESS     :          925 AVENIDA PRESIDIO
   MORTGAGE AMT:               315,000.00              CITY              :    SAN CLEMENT        CA       92672
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            314,783.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,283.9776.45631       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080359037                     MORTGAGORS:           DOVER, FREDRIC

                                                               DOVER, KATHLEEN

                                                       ADDRESS     :          511 NORTH LUCIA AVENUE
   MORTGAGE AMT:               325,000.00              CITY              :    REDONDO BEA        CA       90277
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            324,073.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,328.3464.22925       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080359359                     MORTGAGORS:           RUPPERT, BRYAN

                                                               RUPPERT, JENNIFER        RUPPERT, JENNIFER

                                                       ADDRESS     :          11854 BUNKER DRIVE
   MORTGAGE AMT:               173,156.00              CITY              :    RANCHO CUCA        CA       91730
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            172,898.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,210.7480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080359409                     MORTGAGORS:           HA, LEWIS

                                                       ADDRESS     :          11726 SLEEPER AVENUE,
   MORTGAGE AMT:               291,150.00              CITY              :    TUSTIN    CA       92782
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            290,737.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,085.8379.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080359482                     MORTGAGORS:           SPOONER, JAYNE

                                                               SPOONER, STEVE   SPOONER, STEVE

                                                       ADDRESS     :          3612 ALLEGHENY STREET
   MORTGAGE AMT:               241,700.00              CITY              :    CORONA    CA       91719
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            241,366.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,752.5079.99523       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080359508                     MORTGAGORS:           SHAH, SUNIL

                                                       ADDRESS     :          2775 RUBINO CIRCLE
   MORTGAGE AMT:               353,750.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            353,493.960              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,503.8379.97983       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080359516                     MORTGAGORS:           RALPH, JEFFREY

                                                               RALPH, NORMA     RALPH, NORMA

                                                       ADDRESS     :          12695 DANDELION STREET
   MORTGAGE AMT:               257,600.00              CITY              :    CORONA    CA       91720
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            257,278.650              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,957.9594.99471       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080359532                     MORTGAGORS:           FONG, IRENE

                                                       ADDRESS     :          8259 Skyline Circle,
   MORTGAGE AMT:               310,000.00              CITY              :    Oakland   CA       94605
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            309,502.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,088.5368.35000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080359946                     MORTGAGORS:           MATSUMOTO, JOY

                                                       ADDRESS     :          655 PALM HAVEN AVENUE
   MORTGAGE AMT:               365,000.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            365,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,520.9672.27723       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080360423                     MORTGAGORS:           GILLESPIE, BRADLEY

                                                               GILLESPIE, JEANN GILLESPIE, JEANN

                                                       ADDRESS     :          1215 CLEVELAND
   MORTGAGE AMT:               455,200.00              CITY              :    WILMETTE  IL       60091
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            455,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,261.1180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080360753                     MORTGAGORS:           MACFARLANE, RICK

                                                               MACFARLANE, STEPHANIE    MacFarlane, Stephanie

                                                       ADDRESS     :          201 COLONIAL ROAD
   MORTGAGE AMT:               252,500.00              CITY              :    EMERSON   NJ       07630
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            252,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,765.5274.81481       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080360878                     MORTGAGORS:           BAYLESS, CATHRYN

                                                               BAYLESS, ROBERT  Bayless, Robert

                                                       ADDRESS     :          55 Archibald Lane
   MORTGAGE AMT:               471,200.00              CITY              :    Novato    CA       94945
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            471,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,416.5380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080361074                     MORTGAGORS:           VLAMIS, DIANA

                                                       ADDRESS     :          165 BANCROFT AVE
   MORTGAGE AMT:               257,400.00              CITY              :    READING   MA       01867
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            257,227.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,888.7190.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080361124                     MORTGAGORS:           MONTGOMERY, ROBERT

                                                               MONTGOMERY, LETICIA

                                                       ADDRESS     :          9976 WEST SAVONA DRIVE
   MORTGAGE AMT:               321,000.00              CITY              :    SacramentoCA       95829
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            321,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,383.4289.96000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080361595                     MORTGAGORS:           RAINS, KEVIN

                                                               RAINS, SUZANNE

                                                       ADDRESS     :          49 ERBA LANE
   MORTGAGE AMT:               432,000.00              CITY              :    SCOTTS VALL        CA       95066
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            432,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,169.8680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080361603                     MORTGAGORS:           FRANCL, THOMAS

                                                               FRANCL, CHARLENE FRANCL, CHARLENE

                                                       ADDRESS     :          28993 MOUNTAIN MEADOW ROA
   MORTGAGE AMT:               332,000.00              CITY              :    ESCONDIDO CA       92025
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            332,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,465.0980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080361694                     MORTGAGORS:           CAROLAN, ROBERT

                                                               CAROLAN, KATHLEEN        CAROLAN, KATHLEEN

                                                       ADDRESS     :          393 OAKLAND PARKWAY
   MORTGAGE AMT:               268,000.00              CITY              :    FRANKLIN  MA       02038
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            268,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,873.9080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080361918                     MORTGAGORS:           SAUNDERS, SHELLEY

                                                       ADDRESS     :          39 STORE HILL ROAD
   MORTGAGE AMT:               485,000.00              CITY              :    OLD WESTBUR        NY       11568
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            485,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,729.2475.89984       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080362452                     MORTGAGORS:           DIDONNA, MARGARET

                                                               DIDONNA, DAVID

                                                       ADDRESS     :          18 HUMPHREY STREET
   MORTGAGE AMT:               260,300.00              CITY              :    WAKEFIELD MA       01880
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            260,142.310              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,001.4895.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080362759                     MORTGAGORS:           DECATUR, ROBERT

                                                               DECATUR, PATRICIA        DECATUR, PATRICIA

                                                       ADDRESS     :          163 MANTOAC COURT
   MORTGAGE AMT:               346,800.00              CITY              :    DUCK  NC  27949
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            346,561.330              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,514.5473.79000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080362916                     MORTGAGORS:           CONKLIN, JOHN

                                                               CONKLIN, SUSAN   CONKLIN, SUSAN

                                                       ADDRESS     :          1701 DYMOKE DRIVE
   MORTGAGE AMT:               320,000.00              CITY              :    Collierville       TN       38017
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            319,511.510              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,210.1679.01000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080362957                     MORTGAGORS:           CONWAY, MICHAEL

                                                               CONWAY, DARIE    CONWAY, DARIE

                                                       ADDRESS     :          1322 FELIPE
   MORTGAGE AMT:               170,800.00              CITY              :    SAN CLEMENT        CA       92673
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            170,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,268.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363153                     MORTGAGORS:           ADEN, MATTHEW

                                                               ADEN, SHERRIL    ADEN, SHERRIL

                                                       ADDRESS     :          2 PLANETREE COURT
   MORTGAGE AMT:               375,000.00              CITY              :    NEWTOWN   PA       18940
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            375,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,622.0551.72414       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363419                     MORTGAGORS:           LUCEY, JOHN

                                                       ADDRESS     :          5914 SPENCER AVENUE
   MORTGAGE AMT:               432,000.00              CITY              :    BRONX NY  10471
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            431,738.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,321.7190.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363500                     MORTGAGORS:           EICHAR, MARION

                                                               EICHAR, CHRISTINE        EICHAR, CHRISTINE

                                                       ADDRESS     :          404 CHARLOTT LANE
   MORTGAGE AMT:               274,000.00              CITY              :    REDWOOD CIT        CA       94063
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            273,621.570              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,986.7269.61046       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363526                     MORTGAGORS:           CLIFFORD, CHARLES

                                                               CLIFFORD, CHERYL CLIFFORD, CHERYL

                                                       ADDRESS     :          25665 NORTH MOORE LANE
   MORTGAGE AMT:               255,411.00              CITY              :    Stevenson Ranch    CA       91381
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            255,040.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,807.7879.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363583                     MORTGAGORS:           MEONSKE, RYAN

                                                               YOSHIOKA, KELLI  YOSHIOKA, KELLI

                                                       ADDRESS     :          808 PITKIN LOOP
   MORTGAGE AMT:               260,000.00              CITY              :    San Jose  CA       95125
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            259,021.230              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,840.2654.28000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363617                     MORTGAGORS:           DURFIELD, RICHARD

                                                               DURFIELD, RENEE  DURFIELD, RENEE

                                                       ADDRESS     :          2567 VISTA DEL SOL
   MORTGAGE AMT:               443,203.00              CITY              :    LA VERNE  CA       91750
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            442,650.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,368.6779.99996       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363633                     MORTGAGORS:           BRYANT, ROBERT

                                                               RODRIGUEZ, SANDRA        RODRIGUEZ, SANDRA

                                                       ADDRESS     :          937 FARRAR COURT,
   MORTGAGE AMT:               259,200.00              CITY              :    SAN JOSE  CA       95125
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            258,842.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,879.3879.96002       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363641                     MORTGAGORS:           ODELLO, PETER

                                                               ODELLO, HEATHER

                                                       ADDRESS     :          18620 RANCHITO DEL RIO DR
   MORTGAGE AMT:               336,000.00              CITY              :    SALINAS   CA       93908
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            335,774.550              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,465.4580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363658                     MORTGAGORS:           TORRES, CARLOS

                                                               TORRES, DEANA    TORRES, DEANA

                                                       ADDRESS     :          7579 MASSACHUSETTS PLACE
   MORTGAGE AMT:               194,300.00              CITY              :    RANCHO CUCA        CA       91730
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            194,069.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,511.2574.99961       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363708                     MORTGAGORS:           LOHRENZ, DONOVAN

                                                       ADDRESS     :          7201 LODGEPOLE POINT
   MORTGAGE AMT:               295,500.00              CITY              :    CHANHASSENMN       55317
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            295,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,117.0079.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363856                     MORTGAGORS:           DICKMAN, CLAUDIA

                                                       ADDRESS     :          861 EDGEWOOD ROAD
   MORTGAGE AMT:               282,000.00              CITY              :    REDWOOD CIT        CA       94062
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            282,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,143.4030.98901       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080363930                     MORTGAGORS:           LE, RICHARD

                                                               LE, NHUMY        LE, NHUMY

                                                       ADDRESS     :          3070 HOLLYCREST AVENUE
   MORTGAGE AMT:               323,000.00              CITY              :    THOUSAND OA        CA       91362
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            323,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,370.0679.76293       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364086                     MORTGAGORS:           GITTENS, NEVILLE

                                                               PRICE GITTEN, LESLIE     PRICE-GITTENS, LESLIE

                                                       ADDRESS     :          5193 SALVIA DRIVE
   MORTGAGE AMT:               387,750.00              CITY              :    CASTRO VALL        CA       94552
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            387,750.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,777.8979.99909       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364151                     MORTGAGORS:           SANDERS, JEFF

                                                               SANDERS, DEBRA   SANDERS, DEBRA

                                                       ADDRESS     :          1169 CLIFF AVENUE
   MORTGAGE AMT:               275,000.00              CITY              :    FILLMORE  CA       93015
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            274,110.870              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,993.9474.02423       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364201                     MORTGAGORS:           RODRIGUEZ, RICHARD

                                                               MANN, JILL

                                                       ADDRESS     :          7725 LEBRUN COURT
   MORTGAGE AMT:               258,750.00              CITY              :    Littleton CO       80124
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            258,750.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,989.5690.70000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364300                     MORTGAGORS:           BELLVILLE, DAVID

                                                               GENISMAN BEL, LINDA      GENISMAN BELLVILLE, LINDA

                                                       ADDRESS     :          1017 HOMESTEAD ROAD
   MORTGAGE AMT:               396,000.00              CITY              :    SUNNYVALE CA       94087
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            396,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,802.8680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364334                     MORTGAGORS:           ROSENTHAL, LAURIE

                                                               ROSENTHAL, ROBERT        ROSENTHAL, ROBERT

                                                       ADDRESS     :          707 SOUTH SIERRA AVENUE #
   MORTGAGE AMT:               400,000.00              CITY              :    SOLANA BEAC        CA       92075
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            399,738.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,969.9969.56522       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364342                     MORTGAGORS:           HERNANDEZ, RICHARD

                                                               HERNANDEZ, MELISSA       HERNANDEZ, MELISSA

                                                       ADDRESS     :          216 EAST 26th STREET
   MORTGAGE AMT:               290,950.00              CITY              :    HOUSTON   TX       77008
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            290,769.160              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,211.4356.50000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364813                     MORTGAGORS:           HANOSH, MICHAEL

                                                               HANOSH, KRISTIN

                                                       ADDRESS     :          1189 E GAIL DR
   MORTGAGE AMT:               144,000.00              CITY              :    Gilbert   AZ       85296
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            144,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,031.6377.84000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364870                     MORTGAGORS:           YOUNG, THOMAS

                                                               YOUNG, ANDREA

                                                       ADDRESS     :          36 PHEASANT CREEK
   MORTGAGE AMT:               363,120.00              CITY              :    IRVINE    CA       92618
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            362,836.730              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,477.1280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080364896                     MORTGAGORS:           CHAN, JIMMY
                                                               CHAN, MEE
                                                               CHAN, CHOK

                                                       ADDRESS     :          23 OHIO
   MORTGAGE AMT:               273,192.00              CITY              :    IRVINE    CA       92606
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            272,989.250              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,910.2080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080365133                     MORTGAGORS:           BOWERS, JOHN

                                                               BOWERS, KATHY    BOWERS, KATHY

                                                       ADDRESS     :          1025 LAKEVIEW POINT
   MORTGAGE AMT:               402,375.00              CITY              :    POSSUM KING        TX       76449
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            401,284.190              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,952.4975.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080365471                     MORTGAGORS:           Ray, MelLisa

                                                               Jarynowski, Robert       Jarynawski, Robert

                                                       ADDRESS     :          15 Shooting Star Place
   MORTGAGE AMT:               255,550.00              CITY              :    The Woodlands      TX       77381
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            255,378.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,875.1495.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080365588                     MORTGAGORS:           LITKE, JUSTIN

                                                               LITKE, APRIL     LITKE, APRIL

                                                       ADDRESS     :          6517 DAFFODIL COURT
   MORTGAGE AMT:               200,400.00              CITY              :    CORONA    CA       91720
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            200,254.960              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,418.4279.98244       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080365612                     MORTGAGORS:           RAFANAN, ERWIN

                                                               RAFANAN, ANGELIE JE      RAFANAN, ANGELIE-JENNIFER

                                                       ADDRESS     :          1545 FIRESTONE LOOP
   MORTGAGE AMT:               208,700.00              CITY              :    SAN JOSE  CA       95116
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            208,194.390              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,567.9079.99387       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080366230                     MORTGAGORS:           COZ, HUGO

                                                               SCHUBRING, STEPHANIE     SCHUBRING, STEPHANIE

                                                       ADDRESS     :          2625 OAKTON GLEN DRIVE
   MORTGAGE AMT:               296,050.00              CITY              :    VIENNA    VA       22181
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            295,699.160              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,302.6594.99438       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080366248                     MORTGAGORS:           BOTZ, JAMES

                                                               BOTZ, MAUREEN    Botz, Maureen

                                                       ADDRESS     :          3154 RECHE AVENUE
   MORTGAGE AMT:               568,000.00              CITY              :    FALLBROOK CA       92028
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            568,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,267.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080366271                     MORTGAGORS:           ANDERSON, ROBERT

                                                               ANDERSON, HEIDI  ANDERSON, HEIDI

                                                       ADDRESS     :          197 GREENTREE WAY
   MORTGAGE AMT:               287,950.00              CITY              :    MILPITAS  CA       95035
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            287,314.160              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,062.9179.99722       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080366289                     MORTGAGORS:           BILUT, WAYNE

                                                               BILUT, RHONDA    BILIT, RHONDA

                                                       ADDRESS     :          5364 HEDGEWOOD CT.
   MORTGAGE AMT:               325,000.00              CITY              :    Long GroveIL       60047
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            325,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,470.2373.88000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080366297                     MORTGAGORS:           RONDESTVEDT, PAUL

                                                       ADDRESS     :          6524 SCANDIA ROAD
   MORTGAGE AMT:               303,900.00              CITY              :    EDINA MN  55439
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            303,184.490              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,073.1379.99474       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080366321                     MORTGAGORS:           NOORAEI, BEHROUZ

                                                               ZARRINKELK, MONA ZARRINKELK, MONA

                                                       ADDRESS     :          414 VERBENA COURT
   MORTGAGE AMT:               352,000.00              CITY              :    PLEASANT HI        CA       94523
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            351,249.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,521.7780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080366354                     MORTGAGORS:           HUANG, FU

                                                               LIM HUANG, HUA   LIM HUANG, HUA

                                                       ADDRESS     :          2250 WEST AVENUE 134TH
   MORTGAGE AMT:               228,800.00              CITY              :    SAN LEANDRO        CA       94577
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            228,336.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,678.8580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080366644                     MORTGAGORS:           Altamirano, Rogelio

                                                               Perez, Magdalena Perez, Magdalena

                                                       ADDRESS     :          894 South Second Street
   MORTGAGE AMT:               275,500.00              CITY              :    San Jose  CA       95112
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            275,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,142.8195.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080367030                     MORTGAGORS:           LAM, KEN

                                                               LAM, PAMELA      LAM, PMELA

                                                       ADDRESS     :          2251 NORTH 32ND STREET UN
   MORTGAGE AMT:               380,000.00              CITY              :    Mesa  AZ  85213
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            380,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,689.6267.26000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080367691                     MORTGAGORS:           PLUNGIS, MARK

                                                               BERLS, MICHELE

                                                       ADDRESS     :          4608 MORRIS COURT
   MORTGAGE AMT:               377,000.00              CITY              :    MASON OH  45040
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            376,759.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,832.2865.33795       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080367741                     MORTGAGORS:           SMITH, STEVEN

                                                               SMITH, SANDRA

                                                       ADDRESS     :          906 QUARRY POINTE
   MORTGAGE AMT:               507,750.00              CITY              :    SANTA ROSACA       95405
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            507,417.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,770.0375.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080368095                     MORTGAGORS:           DREHER, GLEN

                                                               DREHER, GAIL     DREHER, GAIL

                                                       ADDRESS     :          1303 SUFOLK STREET
   MORTGAGE AMT:               337,250.00              CITY              :    BAKERSFIELD        CA       93312
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            337,250.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,504.0795.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080368350                     MORTGAGORS:           Gonnella, Domenico

                                                               Gonnella, Christina      Gonnella, Christina

                                                       ADDRESS     :          843 Dow Road
   MORTGAGE AMT:               313,600.00              CITY              :    Bridgewater        NJ       08807
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            313,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,301.0980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080368954                     MORTGAGORS:           KURASCH, KATHARINE

                                                       ADDRESS     :          19848 PACIFIC COAST HIGHW
   MORTGAGE AMT:               500,000.00              CITY              :    MALIBU    CA       90265
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            500,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,844.5758.82353       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080369291                     MORTGAGORS:           KRAUTH, HOWARD

                                                       ADDRESS     :          31 WELLINGTON DRIVE
   MORTGAGE AMT:               526,100.00              CITY              :    BASKING RID        NJ       07920
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            525,755.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,906.2879.99599       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080369416                     MORTGAGORS:           MORGAN, JOHN

                                                               MORGAN, JUDITH   MORGAN, JUDITH

                                                       ADDRESS     :          19331 BROOKTRAIL LANE
   MORTGAGE AMT:               275,000.00              CITY              :    HUNTINGTONCA       92648
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            275,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,065.9976.38889       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080369457                     MORTGAGORS:           MIGIROV, EVGENIY

                                                               DIGILOVA, RITA   DIGILOVA, RITA

                                                       ADDRESS     :          78 STATION ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    MARLBORO  NJ       07751
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,306.7574.89047       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370273                     MORTGAGORS:           WALKER, WILLIAM

                                                               WISNEWSKI, MARY  WISNEWSKI, MARY

                                                       ADDRESS     :          2138 KING COURT
   MORTGAGE AMT:               312,000.00              CITY              :    SANTA CLARA        CA       95051
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            311,535.440              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,181.5580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370281                     MORTGAGORS:           MAXWELL, MARK

                                                               MAXWELL, MARY

                                                       ADDRESS     :          7027G HAYCOCK RD.
   MORTGAGE AMT:               261,250.00              CITY              :    Falls Church       VA       22043
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            260,924.100              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,985.6995.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370380                     MORTGAGORS:           QUIGLEY, EDGAR

                                                               QUIGLEY, VICTORIA        QUIGLEY, VICTORIA

                                                       ADDRESS     :          12211 RILLAND COURT
   MORTGAGE AMT:               284,000.00              CITY              :    ELLICOTT CI        MD       21042
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            283,794.440              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,010.1480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370422                     MORTGAGORS:           SCHULTZ, JEFFREY

                                                               SCHULTZ, JO      SCHULTZ, JO

                                                       ADDRESS     :          11601 CAMINO DEL TIERRA
   MORTGAGE AMT:               255,000.00              CITY              :    LAKESIDE  CA       92040
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            254,837.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,915.7384.29752       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370455                     MORTGAGORS:           HETTICH, DAVID

                                                       ADDRESS     :          468 ARAGON AVENUE
   MORTGAGE AMT:               290,700.00              CITY              :    Los AlamosNM       87544
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            290,139.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,082.6190.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370471                     MORTGAGORS:           MITCHELL, LUKE

                                                               MITCHELL, KIRSTEN        MITCHELL, KIRSTEN

                                                       ADDRESS     :          704 A STREET NORTHEAST
   MORTGAGE AMT:               268,000.00              CITY              :    WASHINGTONDC       20002
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            267,820.180              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,966.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370497                     MORTGAGORS:           MILLER, RICHARD

                                                               MILLER STRIP, ELIZABETH  MILLER STRIPLIN, ELIZABETH

                                                       ADDRESS     :          16124 DEER LAKE ROAD
   MORTGAGE AMT:               287,600.00              CITY              :    DERWOOD   MD       20855
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            287,171.770              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,010.9580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370513                     MORTGAGORS:           RUSS, MARK

                                                               RUSS, LISA       RUSS, LISA

                                                       ADDRESS     :          6680 DASHER CT.
   MORTGAGE AMT:               256,500.00              CITY              :    COLUMBIA  MD       21046
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            256,318.960              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,837.6095.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370539                     MORTGAGORS:           SIMON, ANDREW

                                                       ADDRESS     :          14 HEARTHSTONE DRIVE
   MORTGAGE AMT:               427,500.00              CITY              :    Dix Hills NY       11746
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            427,213.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,136.8475.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370554                     MORTGAGORS:           SERPA, ROBERT

                                                               SERPA, CATHERINE SERPA, CATHERINE

                                                       ADDRESS     :          2812 SCOTTS VALLEY DRIVE
   MORTGAGE AMT:               343,000.00              CITY              :    Henderson NV       89012
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            343,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,576.8476.39000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370562                     MORTGAGORS:           ACEVEDO, MARIE

                                                               WEYRICK, RICHARD WEYRICK, RICHARD

                                                       ADDRESS     :          5186 VIA PLAYA LOS SANTOS
   MORTGAGE AMT:               340,000.00              CITY              :    San Diego CA       92124
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            339,493.760              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,377.3380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370570                     MORTGAGORS:           DE VERA, JAMES

                                                               DE VERA, MARSHA

                                                       ADDRESS     :          3454 MEIER AVENUE
   MORTGAGE AMT:               312,000.00              CITY              :    Los Angeles        CA       90066
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            311,579.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,289.3580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370588                     MORTGAGORS:           COOLEY, DONNA

                                                       ADDRESS     :          3062 GOVERNOR DRIVE
   MORTGAGE AMT:               270,400.00              CITY              :    SAN DIEGO CA       92122
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            270,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,984.1080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370794                     MORTGAGORS:           PENA, ANTONIO

                                                               PENA, MARINA

                                                       ADDRESS     :          99 GLEN AVENUE
   MORTGAGE AMT:               251,200.00              CITY              :    PORT CHESTE        NY       10573
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            251,059.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,998.6680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370810                     MORTGAGORS:           GONZALEZ, DAVID

                                                               MARQUEZ GONZ, SARA

                                                       ADDRESS     :          899 SECOND AVENUE
   MORTGAGE AMT:               280,000.00              CITY              :    CHULA VISTA        CA       91911
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            279,830.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,152.9680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370828                     MORTGAGORS:           MINER, KIMBERLY

                                                       ADDRESS     :          22 JUNO ROAD
   MORTGAGE AMT:               380,000.00              CITY              :    TIBURON   CA       94920
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            379,757.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,854.8280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370851                     MORTGAGORS:           MCCARTER, SUSAN

                                                       ADDRESS     :          23  BALBOA COURT
   MORTGAGE AMT:               314,400.00              CITY              :    NOVATO    CA       94949
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            314,199.510              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,361.9979.73442       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370877                     MORTGAGORS:           YAGHOUBIAN, ESMAIL

                                                               SHARIFI, FARAHNAZ

                                                       ADDRESS     :          4448 NOGALES DRIVE
   MORTGAGE AMT:               390,000.00              CITY              :    LOS ANGELES        CA       91356
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            389,769.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,033.3879.91803       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370968                     MORTGAGORS:           SULLIVAN, KEVIN

                                                               SULLIVAN, GINA

                                                       ADDRESS     :          5458 SHANNON DRIVE
   MORTGAGE AMT:               428,000.00              CITY              :    YORBA LINDA        CA       92886
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            427,740.720              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,290.9580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370984                     MORTGAGORS:           ULRICHS, JACK

                                                               ULRICHS, CAROL

                                                       ADDRESS     :          10 CORTE COMODA
   MORTGAGE AMT:               344,000.00              CITY              :    GREENBRAE CA       94904
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            343,757.210              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,464.4668.80000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080370992                     MORTGAGORS:           TORRES, EDWARD

                                                               TORRES, CARMELITA

                                                       ADDRESS     :          5596 VIA DE MANSION
   MORTGAGE AMT:               293,500.00              CITY              :    LA VERNE  CA       91750
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            293,303.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,153.6078.26667       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371008                     MORTGAGORS:           COOK, KURT

                                                               COOK, LAURA

                                                       ADDRESS     :          477 SANDALWOOD DRIVE
   MORTGAGE AMT:               270,000.00              CITY              :    APTOS CA  95003
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            269,823.380              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,004.7562.79070       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371016                     MORTGAGORS:           MASTIN, EARL

                                                               MASTIN, ELIZABETH

                                                       ADDRESS     :          3145 LANDS ENDS ROAD
   MORTGAGE AMT:               350,000.00              CITY              :    Coeur D' Alene     ID       83814
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            349,771.040              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,598.7552.23881       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371032                     MORTGAGORS:           THEVENIN, LETHA

                                                               THEVENIN, ALBERT

                                                       ADDRESS     :          17436 PARADISE HILL COURT
   MORTGAGE AMT:               280,000.00              CITY              :    GRASS VALLE        CA       95949
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            279,821.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,103.5570.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371115                     MORTGAGORS:           NEAL, KATHLEEN

                                                       ADDRESS     :          49970 MOONHILL DRIVE
   MORTGAGE AMT:               284,000.00              CITY              :    STEAMBOAT S        CO       80487
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            283,827.950              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,183.7280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371156                     MORTGAGORS:           GRAHAM, NELSON

                                                       ADDRESS     :          18024 SOUTHEAST 121ST PLA
   MORTGAGE AMT:               287,500.00              CITY              :    RENTON    WA       98054
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            287,330.260              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,236.1560.52632       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371172                     MORTGAGORS:           NAVARRO, AMYROSE

                                                               E NAVARRO, JOEL

                                                       ADDRESS     :          1206 MORGAN HILL DRIVE
   MORTGAGE AMT:               246,000.00              CITY              :    CHULA VISTA        CA       91913
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            245,858.460              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,935.2980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371180                     MORTGAGORS:           JACKSON, CHARLES

                                                               BRYAN, MARSHA

                                                       ADDRESS     :          2063 WEST LAKE SAMMAMISH
   MORTGAGE AMT:               387,000.00              CITY              :    BELLEVUE  WA       98008
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            386,777.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,044.5477.40000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371198                     MORTGAGORS:           LOZANO, ANGEL

                                                               LOZANO, MARIESHELL       LOZANO, MARIESHELL

                                                       ADDRESS     :          3061 SUSAN DRIVE
   MORTGAGE AMT:               316,000.00              CITY              :    SAN BRUNO CA       94066
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            315,793.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,346.3080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371206                     MORTGAGORS:           GABRIEL, ANTHONY

                                                               GABRIEL, GAYLE   GABRIEL, GAYLE

                                                       ADDRESS     :          64 64TH PLACE
   MORTGAGE AMT:               568,800.00              CITY              :    LONG BEACHCA       90803
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            568,446.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,323.3080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371214                     MORTGAGORS:           PAYNE, SAMUEL

                                                       ADDRESS     :          1021 FEATHER CIRCLE
   MORTGAGE AMT:               264,800.00              CITY              :    CLAYTON   CA       94517
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            264,635.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,012.6880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371222                     MORTGAGORS:           HSIEN SHIH, JACK

                                                               HUEY JENQ, ANNA  HUEY JENQ, ANNA

                                                       ADDRESS     :          1054 HOOPER DRIVE
   MORTGAGE AMT:               352,000.00              CITY              :    WEST COVINA        CA       91791
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            351,751.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,521.7780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371230                     MORTGAGORS:           SANDOVAL, CURTIS

                                                               SANDOVAL, JEANNE SANDOVAL, JEANNE

                                                       ADDRESS     :          19344 Kilfinan Street, (N
   MORTGAGE AMT:               347,900.00              CITY              :    LOS ANGELES        CA       91326
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            347,666.560              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,552.7779.99540       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371297                     MORTGAGORS:           GROEBER, ROBERT

                                                               GROEBER, JACQUELYN       GROEBER, JACQUELYN

                                                       ADDRESS     :          44291 NORTH FORK DRIVE
   MORTGAGE AMT:               255,000.00              CITY              :    THREE RIVER        CA       93271
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            254,828.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,871.1094.79554       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371305                     MORTGAGORS:           MAGLIO, VICTOR

                                                               MAGLIO, ELISA    MAGLIO, ELISA

                                                       ADDRESS     :          1678 SOUTHPORT DRIVE
   MORTGAGE AMT:               301,500.00              CITY              :    RIVERSIDE CA       92506
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            301,292.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,186.0990.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371313                     MORTGAGORS:           BIGHAM, DAVID

                                                               ARENDTSON, HOWARD

                                                       ADDRESS     :          1542-1544 La Loma Avenue
   MORTGAGE AMT:               347,750.00              CITY              :    BERKELEY  CA       94708
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            347,533.850              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,643.1665.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371321                     MORTGAGORS:           ESTERQUE, OSMAR

                                                       ADDRESS     :          19443 BRASSIE PLACE,#202
   MORTGAGE AMT:                54,900.00              CITY              :    GAITHERSBUR        MD       20886
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:             54,838.210              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            436.8190.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371354                     MORTGAGORS:           GARRATT, PHILIP

                                                               GARRATT, SUSAN   GARRATT, SUSAN

                                                       ADDRESS     :          908 WEST CALIFORNIA AVENU
   MORTGAGE AMT:               320,000.00              CITY              :    MILL VALLEY        CA       94941
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            319,785.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,348.0568.81720       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371404                     MORTGAGORS:           RIEMANN, CARL

                                                               KELLY, PAMLYN

                                                       ADDRESS     :          13655 KHALID COURT
   MORTGAGE AMT:               440,800.00              CITY              :    GRASS VALLE        CA       95949
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            440,546.390              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,467.7880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371446                     MORTGAGORS:           DASHJIAN, MICHAEL

                                                               DASHJIAN, SILVIA

                                                       ADDRESS     :          10635 ESCONDIDO ROAD
   MORTGAGE AMT:               520,000.00              CITY              :    ATASCADEROCA       93422
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            519,676.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,952.3880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371495                     MORTGAGORS:           HAYASHI, MYLES
                                                               Hayashi, Esther
                                                               Hayashi, Wallace R  HIGUCHI, DEAANNA

                                                       ADDRESS     :          39350 ZACATE AVENUE
   MORTGAGE AMT:               280,000.00              CITY              :    FREMONT   CA       94539
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            279,812.120              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,054.5580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371511                     MORTGAGORS:           DEYSKI, VLADIMIR

                                                               NEMINOV, POLINA

                                                       ADDRESS     :          21757 PLANEWOOD DRIVE
   MORTGAGE AMT:               368,000.00              CITY              :    LOS ANGELES        CA       91364
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            367,759.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,732.3880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371552                     MORTGAGORS:           CRAWFORD, RALPH

                                                       ADDRESS     :          633 BROCKINTON DRIVE
   MORTGAGE AMT:                76,150.00              CITY              :    ST  SIMONSGA       31522
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:             76,107.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            605.8994.95012         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371560                     MORTGAGORS:           ESCH, RANDALL

                                                               ESCH, TAMMY      ESCH, TAMMY

                                                       ADDRESS     :          38 WOODHAVEN LANE
   MORTGAGE AMT:               305,000.00              CITY              :    WALNUT CREE        CA       94595
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            304,824.520              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,399.4479.94758       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371578                     MORTGAGORS:           SHARON, STEPHANIE

                                                               SHARON, EMMETT   SHARON, EMMETT

                                                       ADDRESS     :          14916 DOTY AVENUE
   MORTGAGE AMT:               188,800.00              CITY              :    HAWTHORNE CA       90250
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            188,682.650              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,435.0280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371610                     MORTGAGORS:           STEVENS, JEFFREY

                                                               KAY, PAMELA

                                                       ADDRESS     :          7819 BERGER AVENUE
   MORTGAGE AMT:               450,000.00              CITY              :    LOS ANGELES        CA       90293
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            449,682.390              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,223.8670.86614       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371669                     MORTGAGORS:           TEMPLE, MICHAEL

                                                       ADDRESS     :          650 GRIZZLY PEAK BOULEVAR
   MORTGAGE AMT:               450,000.00              CITY              :    BERKELEY  CA       94708
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            449,713.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,380.7074.81297       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371677                     MORTGAGORS:           AUCH, TOMMYE

                                                               AUCH, DONALD     AUCH, DONALD

                                                       ADDRESS     :          6093 ANDERSON ROAD
   MORTGAGE AMT:               360,000.00              CITY              :    FORESTVILLE        CA       95436
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            359,798.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,864.3369.23077       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371685                     MORTGAGORS:           FRANKLIN, DARWIN

                                                               HOPKINS, DOVIE   HOPKINS, DOVIE

                                                       ADDRESS     :          6512 WEST 80TH PLACE
   MORTGAGE AMT:               294,400.00              CITY              :    LOS ANGELES        CA       90045
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            294,230.620              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,316.0580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371735                     MORTGAGORS:           AIELLO, MARK

                                                               AIELLO, LISA     AIELLO, LISA

                                                       ADDRESS     :          925 OAKWOOD AVENUE
   MORTGAGE AMT:               280,000.00              CITY              :    FULLERTON CA       92835
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            279,807.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,030.2080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371800                     MORTGAGORS:           MAHDAVI, EBRAHIM

                                                       ADDRESS     :          13850 BETHANY OAKS POINTE
   MORTGAGE AMT:               400,000.00              CITY              :    ALPHARETTAGA       30004
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            399,757.670              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,075.6677.66990       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371842                     MORTGAGORS:           SPEER, CLINT

                                                       ADDRESS     :          110 SWAN VIEW ROAD
   MORTGAGE AMT:                73,600.00              CITY              :    SOMERS    MT       59932
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:             73,557.650              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            579.0288.67470         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371859                     MORTGAGORS:           SKARKA, ANDRZEJ

                                                               SKARKA, TERESA   SKARKA, TERESA

                                                       ADDRESS     :          8605 CASTLE CREEK DRIVE
   MORTGAGE AMT:               339,650.00              CITY              :    ROSEVILLE CA       95661
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            339,444.230              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,611.6279.99256       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371883                     MORTGAGORS:           BEATTIE, JAMES

                                                               BEATTIE, SUSANNAH

                                                       ADDRESS     :          22841 BRIARCLIFF
   MORTGAGE AMT:               464,300.00              CITY              :    MISSION VIE        CA       92692
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            463,972.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,326.3179.99835       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371909                     MORTGAGORS:           LEWIS, DEON

                                                               LEWIS, DAYNIA

                                                       ADDRESS     :          6118 WEST 11400 NORTH
   MORTGAGE AMT:               290,000.00              CITY              :    HIGHLAND  UT       84003
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            289,824.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,229.8569.04762       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371925                     MORTGAGORS:           LICINIO, JULIO

                                                               WONG, MA

                                                       ADDRESS     :          224 SOUTH CLARK DRIVE
   MORTGAGE AMT:               520,000.00              CITY              :    BEVERLY HIL        CA       90211
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            519,668.410              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,906.5980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371933                     MORTGAGORS:           KIRKMAN, STEVEN

                                                       ADDRESS     :          355 PACIFIC OAKS ROAD
   MORTGAGE AMT:               280,000.00              CITY              :    GOLETA    CA       93117
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            279,830.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,152.9680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371958                     MORTGAGORS:           FLOYD, KATHERINE

                                                       ADDRESS     :          24 WATER LILY WAY
   MORTGAGE AMT:               553,000.00              CITY              :    COTO DE CAZ        CA       92679
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            552,664.980              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,252.1079.99387       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080371966                     MORTGAGORS:           MEDINA, DAVID

                                                               MEDINA, MARLA    MEDINA, MARLA

                                                       ADDRESS     :          1655 BETTY COURT
   MORTGAGE AMT:               340,000.00              CITY              :    SANTA CLARA        CA       95051
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            339,788.670              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,584.2580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372089                     MORTGAGORS:           HORNER, CREE

                                                               HORNER, JEANNETTE        HORNER, JEANNETTE

                                                       ADDRESS     :          638 LAUREL LANE
   MORTGAGE AMT:               320,000.00              CITY              :    MONROVIA  CA       91016
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            320,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,237.4974.85380       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372444                     MORTGAGORS:           SILVEIRA, JAMES

                                                               SILVEIRA, EMILIA SILVEIRA, EMILIA

                                                       ADDRESS     :          12 HAWK RIDGE CT
   MORTGAGE AMT:               324,000.00              CITY              :    NOVATO    CA       94949
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            324,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,293.2580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372535                     MORTGAGORS:           WALKER, ERIC

                                                               WALKER, DORIS

                                                       ADDRESS     :          25414 NORTH SHELLY PLACE
   MORTGAGE AMT:               262,400.00              CITY              :    STEVENSON R        CA       91381
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            262,046.690              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,925.4079.99732       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372550                     MORTGAGORS:           MOCH, DEBORAH

                                                       ADDRESS     :          12 SAGITTA WAY
   MORTGAGE AMT:               371,000.00              CITY              :    COTO DE CAZ        CA       92679
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            370,487.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,690.0179.99483       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372576                     MORTGAGORS:           BALINGIT, AMADITO

                                                               I BALINGIT, MARIA

                                                       ADDRESS     :          2365 PACIFICA COURT
   MORTGAGE AMT:               338,000.00              CITY              :    SAN LEANDRO        CA       94579
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            337,465.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,509.6579.77117       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372626                     MORTGAGORS:           GAREY, MARTIN

                                                       ADDRESS     :          7 AVENIDA FORTUNA
   MORTGAGE AMT:               291,200.00              CITY              :    SAN CLEMENT        CA       92673
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            291,004.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,136.7379.99978       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372642                     MORTGAGORS:           SPARROW, DAVID

                                                               SPARROW, MARGARET

                                                       ADDRESS     :          25426 NORTH SHELLEY PLACE
   MORTGAGE AMT:               283,900.00              CITY              :    STEVENSON R        CA       91381
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            283,247.080              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,083.1679.99211       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372683                     MORTGAGORS:           KERBY, CINDY

                                                               KERBY, JAMES

                                                       ADDRESS     :          1833 290TH AVENUE NORTHEA
   MORTGAGE AMT:               318,800.00              CITY              :    CARNATION WA       98014
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            318,359.750              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,311.5380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372691                     MORTGAGORS:           WESLEY, MARK

                                                               WESLEY, SUSAN

                                                       ADDRESS     :          2 SAGITTA WAY
   MORTGAGE AMT:               488,150.00              CITY              :    COTO DE CAZ        CA       92679
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            487,475.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,539.4374.99558       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372733                     MORTGAGORS:           LAM, ERIC

                                                               CHEUNG, KORAL

                                                       ADDRESS     :          16336 LOS ROSALES STREET
   MORTGAGE AMT:               304,000.00              CITY              :    BERNARDO SP        CA       92127
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            303,801.130              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,257.2071.60068       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372758                     MORTGAGORS:           DE DIOS, RICHARD

                                                               DE DIOS, SOY

                                                       ADDRESS     :          731 SOUTH LASSEN COURT
   MORTGAGE AMT:               281,800.00              CITY              :    ANAHEIM   CA       92804
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            281,430.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,092.3679.99682       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372766                     MORTGAGORS:           HART, GARRICK

                                                       ADDRESS     :          4501 TRADEWINDS AVE W
   MORTGAGE AMT:               378,800.00              CITY              :    LAUDERDALEFL       33308
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            378,315.240              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,845.8080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372774                     MORTGAGORS:           HOUSTON, MICHAEL

                                                       ADDRESS     :          1037 NW 124 AVE
   MORTGAGE AMT:               263,050.00              CITY              :    CORAL SPRIN        FL       33071
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            262,667.990              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,861.8679.98650       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372782                     MORTGAGORS:           LARSON, DON

                                                               LARSON, CATHRYN

                                                       ADDRESS     :          1047 SUMMERWOOD COURT
   MORTGAGE AMT:               313,250.00              CITY              :    SAN JOSE  CA       95132
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            312,806.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,244.1772.01149       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372881                     MORTGAGORS:           TILGHAM, RAFAEL

                                                               ARCHIE, ALLISON  ARCHIE, ALLISON

                                                       ADDRESS     :          10302 SILKWOOD COURT
   MORTGAGE AMT:               285,000.00              CITY              :    LARGO MD  20774
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            284,422.480              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,091.2395.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080372931                     MORTGAGORS:           YOUNG, THEODORE

                                                               YOUNG, LAUREL

                                                       ADDRESS     :          29 329 CHIN CHUCK ROAD
   MORTGAGE AMT:               280,000.00              CITY              :    HAKALAU   HI       96710
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            279,816.840              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,078.9980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373434                     MORTGAGORS:           BABICH, BRUNO

                                                               BABICH, LOUISA   BABICH, LOUISA

                                                       ADDRESS     :          549 16TH ST
   MORTGAGE AMT:               465,000.00              CITY              :    BROOKLYN  NY       11215
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            465,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,412.0151.66667       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373467                     MORTGAGORS:           HERNANDEZ, FRANCISCO

                                                               HERNANDEZ, DELIA HERNANDEZ, DELIA

                                                       ADDRESS     :          3416 NEIMAN ROAD
   MORTGAGE AMT:               251,700.00              CITY              :    PLANO TX  75025
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            251,334.490              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,781.5294.98472       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373483                     MORTGAGORS:           HOM, IRWIN

                                                               HOM, DAISY

                                                       ADDRESS     :          16313 LOS ROSALES STREET
   MORTGAGE AMT:               306,850.00              CITY              :    BERNARDO SP        CA       92127
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            306,638.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,224.8875.41276       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373491                     MORTGAGORS:           PENG, YUCHI

                                                               PENG, HSIUYUNG

                                                       ADDRESS     :          6443 AMETHYST WAY
   MORTGAGE AMT:               294,250.00              CITY              :    CARLSBAD  CA       92009
   LIFETIME RATE :               9.00000
   UNPAID BALANCE:            293,826.580              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,367.6179.99271       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373525                     MORTGAGORS:           SULTAN, CRAIG

                                                               SULTAN, HILDA

                                                       ADDRESS     :          864 NW 123 DRIVE
   MORTGAGE AMT:               264,850.00              CITY              :    CORAL SPRIN        FL       33071
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            264,527.970              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,036.4779.99336       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373533                     MORTGAGORS:           BETTENCOURT, CARLOS

                                                               BETTENCOURT, SYLVIA

                                                       ADDRESS     :          1552 CALCO CREEK DRIVE
   MORTGAGE AMT:               420,550.00              CITY              :    SAN JOSE  CA       95127
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            419,954.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,012.8879.99292       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373574                     MORTGAGORS:           GULLIKSON, MARK

                                                               HAMILTON, ANN

                                                       ADDRESS     :          1724 FERGUS DRIVE
   MORTGAGE AMT:               324,600.00              CITY              :    ROSEVILLE CA       95747
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            324,393.010              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,438.6294.99144       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373582                     MORTGAGORS:           BOTIZ, BEN

                                                               BOTIZ, CHERI

                                                       ADDRESS     :          755SOUTH LASSEN COURT
   MORTGAGE AMT:               268,000.00              CITY              :    ANAHEIM   CA       92804
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            267,833.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,037.0079.98591       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373590                     MORTGAGORS:           LIBMAN, JEFFREY

                                                               LIBMAN, MARJORIE

                                                       ADDRESS     :          15575 S W 17 STREET
   MORTGAGE AMT:               358,350.00              CITY              :    DAVIE FL  33326
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            357,891.410              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,692.1789.99473       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373731                     MORTGAGORS:           Fletcher, Martin

                                                               Fletcher, Cynthia        Fletcher, Cynthia

                                                       ADDRESS     :          10025 South Stratford Pla
   MORTGAGE AMT:               257,000.00              CITY              :    Highlands Ranch    CO       80126
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            257,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,976.1163.46000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373772                     MORTGAGORS:           PEREZ, MANUEL

                                                               PEREZ, CHERYL    PEREZ, CHERYL

                                                       ADDRESS     :          12181 FIDELIO WAY
   MORTGAGE AMT:               270,400.00              CITY              :    San Diego CA       92131
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            270,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,937.1880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080373848                     MORTGAGORS:           LAISSUE, ACHILLE

                                                               LAISSUE, SHIRLEY LAISSUE, SHIRLEY

                                                       ADDRESS     :          357 BRIARCLIFF TERRACE
   MORTGAGE AMT:               485,000.00              CITY              :    BORO OF KINNELON   NJ       07405
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            485,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,815.5064.67000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080374051                     MORTGAGORS:           PEREIRA, ANTHONY

                                                               PEREIRA, VIRGINIA

                                                       ADDRESS     :          21 COLONEL WILKINS ROAD
   MORTGAGE AMT:               316,000.00              CITY              :    AMHERST   NH       03031
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            316,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,374.0080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080374358                     MORTGAGORS:           STEINBACHER, ERIC

                                                               STEINBACHER, VALERIE     STEINBACHER, VALERIE

                                                       ADDRESS     :          504 IRONWOODS DRIVE
   MORTGAGE AMT:               276,000.00              CITY              :    CHAPEL HILL        NC       27516
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            275,810.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,001.2080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080374648                     MORTGAGORS:           JOHNSON, FRED

                                                               JOHNSON, TAMEKO  JOHNSON, TAMEKO

                                                       ADDRESS     :          1804 WILSON AVENUE,
   MORTGAGE AMT:               247,000.00              CITY              :    UPLAND    CA       91784
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            246,842.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,855.6395.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080374671                     MORTGAGORS:           MORRISON, JAMES

                                                               MORRISON, DANA   MORRISON, DANA

                                                       ADDRESS     :          5461 FIELD BROOK COURT
   MORTGAGE AMT:               262,400.00              CITY              :    ANTIOCH   CA       94509
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            262,219.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,902.5869.99200       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080374895                     MORTGAGORS:           RADIGAN, MATTHEW

                                                       ADDRESS     :          2208 MARSHALL TRAIL
   MORTGAGE AMT:               300,000.00              CITY              :    SOUTH LAKECA       96150
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,253.8080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080375140                     MORTGAGORS:           BRADFORD, MARI

                                                       ADDRESS     :          209 HUNTINGTON STREET
   MORTGAGE AMT:               136,000.00              CITY              :    IRVINE    CA       92620
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            135,819.670              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,009.8069.74359       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080375181                     MORTGAGORS:           Tryhubczak, John

                                                       ADDRESS     :          286 Bowsprit Court
   MORTGAGE AMT:               273,400.00              CITY              :    Las Vegas NV       89123
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            273,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,078.0494.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080375223                     MORTGAGORS:           FIGUEROA, ANTONIO

                                                               JORDAN, DANIELLE JORDAN, DANIELLE

                                                       ADDRESS     :          2770 GOLF CIRCLE
   MORTGAGE AMT:               259,450.00              CITY              :    WATSONVILLE        CA       95076
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            259,275.920              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,903.7585.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080375389                     MORTGAGORS:           WONNACOTT, LAURA

                                                               BELMORE, DONNA   BELMORE, DONNA

                                                       ADDRESS     :          2783 ELLINGSON WAY
   MORTGAGE AMT:               375,950.00              CITY              :    SAN RAMON CA       94583
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            375,697.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,758.5979.99787       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080376072                     MORTGAGORS:           GUNNELL, STACEY

                                                       ADDRESS     :          474 W 1050 N
   MORTGAGE AMT:               252,300.00              CITY              :    CENTERVILLE        UT       84014
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            252,300.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,895.4589.95000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080376387                     MORTGAGORS:           GEORGE, JACOB

                                                               GEORGE, MARY

                                                       ADDRESS     :          9392 COLBERT COURT
   MORTGAGE AMT:               283,852.00              CITY              :    FAIRFAX   VA       22032
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            283,852.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,009.0979.99977       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080377013                     MORTGAGORS:           GERACE, EVELYN

                                                               GERACE, JOHN

                                                       ADDRESS     :          10424 VERNON LANE
   MORTGAGE AMT:               340,000.00              CITY              :    TUSTIN    CA       92782
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            339,777.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,524.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080377021                     MORTGAGORS:           SHACHER, JACK

                                                               SHACHER, ROSEMARIE

                                                       ADDRESS     :          52 CAPANNA STREET
   MORTGAGE AMT:               319,000.00              CITY              :    PISMO BEACH        CA       93449
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            318,811.660              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,481.1576.13365       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080377039                     MORTGAGORS:           WRIGHTSMAN, TIMOTHY

                                                               WRIGHTSMAN, CHRISTINE

                                                       ADDRESS     :          125 WEST SYCAMORE AVENUE
   MORTGAGE AMT:               286,000.00              CITY              :    EL SEGUNDOCA       90245
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            285,798.140              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,048.9480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080377088                     MORTGAGORS:           GORLA, VINCENT

                                                               RUOCCO GORLA, MARIELLA   GORLA, MARIELLA

                                                       ADDRESS     :          247 CASTLE PEAK ROAD
   MORTGAGE AMT:               380,000.00              CITY              :    EAGLE CO  81631
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            380,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,821.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080377153                     MORTGAGORS:           GLORIOSO, ARNEL

                                                               GLORIOSO, ESTRELLA       GLORIOSO, ESTRELLA

                                                       ADDRESS     :          3006 SCOTT ROAD
   MORTGAGE AMT:               272,000.00              CITY              :    BURBANK   CA       91504
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            272,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,043.4580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080377682                     MORTGAGORS:           AKERS, DONALD

                                                               AKERS, SONDRA

                                                       ADDRESS     :          1051 SOUTH PATRICK WAY
   MORTGAGE AMT:               330,000.00              CITY              :    ANAHEIM   CA       92808
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            330,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,450.2473.00885       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080377856                     MORTGAGORS:           GOTELLI, STEPHEN

                                                               GOTELLI, SUE     GOTELLI, SUE

                                                       ADDRESS     :          1108 SPRINGFIELD COURT
   MORTGAGE AMT:               215,200.00              CITY              :    ANTIOCH   CA       94509
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            215,044.240              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,523.1879.99405       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080377971                     MORTGAGORS:           AN, OK

                                                       ADDRESS     :          5 Northwood lane
   MORTGAGE AMT:               261,000.00              CITY              :    Glendale  CA       91214
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            261,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,915.1390.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080378300                     MORTGAGORS:           JEONG, DANIEL

                                                               ISA, KUMIKO      ISA, KUMIKO

                                                       ADDRESS     :          22636 GREENWOOD AVENUE
   MORTGAGE AMT:               276,000.00              CITY              :    TORRANCE  CA       90505
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            276,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,049.2980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379191                     MORTGAGORS:           LITES, JAMES

                                                               LITES, MICHELE   LITES, MICHELE

                                                       ADDRESS     :          3550 LA HABRA WAY
   MORTGAGE AMT:               247,000.00              CITY              :    SACRAMENTOCA       95864
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            247,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,899.2295.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379241                     MORTGAGORS:           RAZ, JEFFREY

                                                               SHERMAN, SHARON

                                                       ADDRESS     :          3008 ADAMS STREET
   MORTGAGE AMT:               282,400.00              CITY              :    ALAMEDA   CA       94501
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            282,215.270              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,096.8180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379449                     MORTGAGORS:           MOORE, JAMES

                                                               MOORE, MELISSA   Moore, Melissa

                                                       ADDRESS     :          612 CORNELIA COURT
   MORTGAGE AMT:               302,950.00              CITY              :    FRANKLIN  TN       37069
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            302,950.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,196.6079.99736       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379464                     MORTGAGORS:           MERGELMEYER, GENE

                                                               MERGELMEYER, ROSE

                                                       ADDRESS     :          27150 BIG HORN MOUNTAIN W
   MORTGAGE AMT:               330,000.00              CITY              :    YORBA LINDA        CA       92887
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            329,767.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,364.1645.20548       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379480                     MORTGAGORS:           RAYMER, WILLIAM

                                                               RAYMER, THETIS

                                                       ADDRESS     :          188 BEATEN PATH
   MORTGAGE AMT:               650,000.00              CITY              :    MOORESVILLE        NC       28115
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            649,552.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,712.9570.27027       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379498                     MORTGAGORS:           LONDRY, CALVIN

                                                               LONDRY, ROSALIE

                                                       ADDRESS     :          5161 BANTRY COURT
   MORTGAGE AMT:               321,000.00              CITY              :    INDIANAPOLI        IN       46254
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            320,773.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,299.6866.87500       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379530                     MORTGAGORS:           BUCKLEY, JAMES

                                                               BUCKLEY, MARITA

                                                       ADDRESS     :          21735 SUTHERLAND DRIVE
   MORTGAGE AMT:               320,000.00              CITY              :    YORBA LINDA        CA       92887
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            319,774.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,292.5260.72106       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379613                     MORTGAGORS:           WATSON, DAVID

                                                               WATSON, LORRAINE

                                                       ADDRESS     :          3964 CATAMARCA DRIVE
   MORTGAGE AMT:               340,000.00              CITY              :    SAN DIEGO CA       92124
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            339,766.010              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,465.2480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379670                     MORTGAGORS:           DECAMP, DION

                                                               SMITH, EJ        SMITH, E. J.

                                                       ADDRESS     :          13415 EVENING SONG LANE
   MORTGAGE AMT:               292,000.00              CITY              :    Reno  NV  89511
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            292,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,117.2080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379795                     MORTGAGORS:           JOVICIC, DRAGAN

                                                               JOVICIC, VILDANA

                                                       ADDRESS     :          2005 TOSCANINI DRIVE
   MORTGAGE AMT:               304,000.00              CITY              :    RANCHO PALO        CA       90275
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            303,806.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,283.8580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379845                     MORTGAGORS:           CAMPBELL, JERRY

                                                       ADDRESS     :          399 BELLE MONTI AVENUE
   MORTGAGE AMT:               359,500.00              CITY              :    APTOS CA  95003
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            359,264.830              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,669.2871.61355       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080379951                     MORTGAGORS:           FREDERICS, WALTER

                                                               FREDERICS, SUSAN

                                                       ADDRESS     :          11829 Morris Road Southea
   MORTGAGE AMT:               276,000.00              CITY              :    Yelm  WA  98597
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            276,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,097.8080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080380223                     MORTGAGORS:           MACIAS, LAURENCE
                                                               MACIAS, FRED
                                                               MACIAS, DENISE

                                                       ADDRESS     :          1717 WEST BALBOA BOULEVAR
   MORTGAGE AMT:               380,000.00              CITY              :    NEWPORT BEA        CA       92663
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            380,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,955.6080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080380561                     MORTGAGORS:           AMATUCCI, KENNETH

                                                               AMATUCCI, DIANE  AMATUCCI, DIANE

                                                       ADDRESS     :          366 STEVENS WAY
   MORTGAGE AMT:               258,400.00              CITY              :    Freehold  NJ       07728
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            258,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,918.6174.84000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080380694                     MORTGAGORS:           ELISEI, ANA

                                                       ADDRESS     :          2062 SHERWOOD DRIVE
   MORTGAGE AMT:               288,000.00              CITY              :    CAMBRIA   CA       93428
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            288,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,113.2490.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080380843                     MORTGAGORS:           COOPER, SAMUEL

                                                               MILLER, WENDY    MILLER, WENDY

                                                       ADDRESS     :          530 HIGHBROOK DRIVE
   MORTGAGE AMT:               258,000.00              CITY              :    ATLANTA   GA       30342
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            258,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,870.6880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080381015                     MORTGAGORS:           HIJAZI, R

                                                       ADDRESS     :          2626 MANHATTAN AVENUE
   MORTGAGE AMT:               295,200.00              CITY              :    HERMOSA BEA        CA       90254
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            294,996.840              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,140.4180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080381072                     MORTGAGORS:           AMARILLAS, ROBERT

                                                               AMARILLAS, VICTORIA

                                                       ADDRESS     :          153 FOX SPARROW LANE
   MORTGAGE AMT:               471,200.00              CITY              :    BRISBANE  CA       94005
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            470,891.770              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,498.6580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080381114                     MORTGAGORS:           Reinhardt, Paul

                                                               Reinhardt, Robin reinhardt, robin

                                                       ADDRESS     :          669 HENRY COURT
   MORTGAGE AMT:               338,000.00              CITY              :    folsom    CA       95630
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            338,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,480.1289.96000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080381130                     MORTGAGORS:           KESSLER, GORDON

                                                               KESSLER, NANCY   KESSLER, NANCY

                                                       ADDRESS     :          28 NORTH STONINGTON ROAD
   MORTGAGE AMT:               400,000.00              CITY              :    LAGUNA BEAC        CA       92651
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            400,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,969.9955.17241       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080381163                     MORTGAGORS:           OSTBYE, KJELL

                                                               OSTBYE, SHARON   OSTBYE, SHARON

                                                       ADDRESS     :          80645 LA DOCENA TRAIL
   MORTGAGE AMT:               325,000.00              CITY              :    LA QUINTA CA       92253
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            325,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,356.4825.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080381536                     MORTGAGORS:           OGATA, DEAN

                                                               LIPOUFSKI, LENORE        LIPOUFSKI, LENORE

                                                       ADDRESS     :          1311 BELFAST COURT
   MORTGAGE AMT:               290,400.00              CITY              :    LIVERMORE CA       94550
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            290,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,105.6080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080381775                     MORTGAGORS:           BLEW, CHARLES

                                                               FUENTES, AIDA

                                                       ADDRESS     :          1714 SPARROW LANE
   MORTGAGE AMT:               254,850.00              CITY              :    WESTON    FL       33327
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            254,850.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,937.0494.99404       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080381999                     MORTGAGORS:           BLAINE, MELVIN

                                                               BLAINE, JOANNE   BLAINE, JOANNE

                                                       ADDRESS     :          26350 ANTONIO CIRCLE
   MORTGAGE AMT:               210,100.00              CITY              :    Loma LindaCA       92354
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            209,955.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,523.3779.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080382005                     MORTGAGORS:           SYA, CHUNG LU

                                                               SYA, CHING HWA   SYA, CHING-HWA

                                                       ADDRESS     :          41701 VAQUERO COURT
   MORTGAGE AMT:               300,000.00              CITY              :    FREMONT   CA       94539
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,175.2144.18262       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080382294                     MORTGAGORS:           MARTIN, ROBERT

                                                               MARTIN, KATHLEEN MARTIN, KATHLEEN

                                                       ADDRESS     :          169 LA CRESCENTA DRIVE
   MORTGAGE AMT:               432,000.00              CITY              :    CAMARILLO CA       93010
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            431,744.950              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,360.0580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080382328                     MORTGAGORS:           KAYLIN, DANIEL
                                                               Kaylin, Daniel
                                                               Kaylin, Nancy    KAYLIN, NANCY

                                                       ADDRESS     :          4888 CINTA COURT
   MORTGAGE AMT:               385,000.00              CITY              :    SAN DIEGO CA       92122
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            385,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,926.2878.57000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080382856                     MORTGAGORS:           BANKS, JAMES

                                                               BANKS, MARICELA

                                                       ADDRESS     :          7596 MERRRIMACK PLACE
   MORTGAGE AMT:               245,800.00              CITY              :    Rancho Cucamonga   CA       91730
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            245,626.510              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,760.9494.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383326                     MORTGAGORS:           DAVIS, MARK

                                                               DAVIS, MARY

                                                       ADDRESS     :          2343   CLEARSPRING DR. N
   MORTGAGE AMT:               384,000.00              CITY              :    IRVING    TX       75063
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            382,358.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,645.1680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/28

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383334                     MORTGAGORS:           FINN, PHILIP

                                                               FINN, CAROL

                                                       ADDRESS     :          2660 SOUTH OCEAN BOULEVAR
   MORTGAGE AMT:               375,000.00              CITY              :    PALM BEACHFL       33480
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            374,008.760              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,784.3675.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383342                     MORTGAGORS:           MALISZEWSKI, JERZY

                                                               MALISZEW, CHRISTA

                                                       ADDRESS     :          85      ST. BOTOLPH ST
   MORTGAGE AMT:               261,750.00              CITY              :    BOSTON    MA       02116
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            260,161.480              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,830.1975.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        03/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383359                     MORTGAGORS:           BERBERIAN, HAPET

                                                               BERBERIAN, STEPHANIE

                                                       ADDRESS     :          49      ARLINGTON ROAD
   MORTGAGE AMT:               450,000.00              CITY              :    WELLESLEY MA       02481
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            449,068.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,262.8137.50000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383367                     MORTGAGORS:           THOMAS, G

                                                               THOMAS, HEDY

                                                       ADDRESS     :          10601  CANNONVIEW COURT
   MORTGAGE AMT:               344,500.00              CITY              :    FORT WASHINGTON    MD       20744
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            344,015.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,468.0459.91000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383375                     MORTGAGORS:           BAUM, SUE

                                                               BAUM, HAROLD

                                                       ADDRESS     :          930  CAPE MARCO DRIVE
   MORTGAGE AMT:               337,200.00              CITY              :    MARCO ISLAND       FL       34145
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            336,734.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,444.9346.19000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383383                     MORTGAGORS:           GATTO, ANTHONY

                                                               GATTO, ELIZABETH

                                                       ADDRESS     :          17      KANSAS PLACE
   MORTGAGE AMT:               380,000.00              CITY              :    BROOKLYN  NY       11234
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            379,501.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,821.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383391                     MORTGAGORS:           HARTMAN, FRANK

                                                               HARTMAN, JOAN

                                                       ADDRESS     :          14928 RANCH CREEK LANE
   MORTGAGE AMT:               420,000.00              CITY              :    VALLEY CENTER      CA       92082
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            419,409.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,008.9380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383409                     MORTGAGORS:           MCLELLAN, LORAINE

                                                               MCLELLAN, RICHARD

                                                       ADDRESS     :          370  SYCAMORE AVENUE
   MORTGAGE AMT:               596,000.00              CITY              :    MERION    PA       19066
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            595,237.290              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,477.5580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383425                     MORTGAGORS:           DALEY, WILLIAM

                                                               DALEY, CATHERINE

                                                       ADDRESS     :          20 BUCKET MILL LANE
   MORTGAGE AMT:               492,000.00              CITY              :    HINGHAM   MA       02043
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            491,285.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,482.3580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383433                     MORTGAGORS:           PALAMARA, JOSEPH

                                                               PALAMARA, ALINE

                                                       ADDRESS     :          8963    MARQUETTE
   MORTGAGE AMT:               330,000.00              CITY              :    GROSSE ILEMI       48138
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            329,794.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,508.2473.66000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383441                     MORTGAGORS:           NA, CHONG

                                                       ADDRESS     :          34604 4TH PLACE SOUTHWEST
   MORTGAGE AMT:               337,462.00              CITY              :    FEDERAL WAY        WA       98023
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            337,260.760              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,624.7478.48000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383458                     MORTGAGORS:           BARSTOW, TODD

                                                               BARSTOW, BETHANNE

                                                       ADDRESS     :          2400  HENNING DR
   MORTGAGE AMT:               283,900.00              CITY              :    RALEIGH   NC       27615
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            283,477.300              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,985.0779.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383482                     MORTGAGORS:           SIM, YONG

                                                               SIM, HYUN

                                                       ADDRESS     :          13404  DAY VALLEY CT
   MORTGAGE AMT:               359,100.00              CITY              :    CENTREVILLE        VA       20120
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            358,555.190              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,480.2179.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383490                     MORTGAGORS:           PLUMB, SEAN

                                                               PLUMB, SANDRA

                                                       ADDRESS     :          43 PUNKUP ROAD
   MORTGAGE AMT:               249,200.00              CITY              :    OXFORD    CT       06478
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            249,010.380              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,721.1694.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383508                     MORTGAGORS:           NAZRI, DAVID

                                                       ADDRESS     :          365 ARGYLE ROAD
   MORTGAGE AMT:               324,000.00              CITY              :    CEDARHURSTNY       11516
   LIFETIME RATE :               9.00000
   UNPAID BALANCE:            323,647.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,606.9890.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383516                     MORTGAGORS:           KNOWLES, KEVIN

                                                               GABRIEL, VERVIA

                                                       ADDRESS     :          18518 48TH STREET NORTHEA
   MORTGAGE AMT:               315,000.00              CITY              :    SNOHOMISH WA       98290
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            314,783.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,283.9770.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383524                     MORTGAGORS:           LAIRD, MICHAEL

                                                       ADDRESS     :          6512  NW GRAND BLVD
   MORTGAGE AMT:               387,000.00              CITY              :    NICHOLS HILLS      OK       73116
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            386,469.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,806.0290.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383532                     MORTGAGORS:           SPRYGIN, IGOR

                                                               RYZHIKOVA, INNA

                                                       ADDRESS     :          81-09   190TH STREET
   MORTGAGE AMT:               318,000.00              CITY              :    JAMAICA ESTATES    NY       11423
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            317,623.150              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,473.3784.80000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383540                     MORTGAGORS:           EASTMAN, JEFFREY

                                                       ADDRESS     :          916 CENTRAL AVE S
   MORTGAGE AMT:               297,000.00              CITY              :    ST LOUIS  MO       63105
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            296,592.550              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,153.4663.87000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383557                     MORTGAGORS:           HAMMIT, STACEY

                                                               HAMMIT, CARRIE

                                                       ADDRESS     :          2657  W RIVERVIEW CT.
   MORTGAGE AMT:               300,000.00              CITY              :    NIXA  MO  65714
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            299,793.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,175.2178.95000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383565                     MORTGAGORS:           GOULD, PETER

                                                               GOULD, MARY

                                                       ADDRESS     :          42 VINCENT ROAD,
   MORTGAGE AMT:               300,000.00              CITY              :    MENDON    MA       01756
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            299,542.040              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,072.0388.08000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383573                     MORTGAGORS:           MANN, FREDERICK

                                                               MANN, MELANIE

                                                       ADDRESS     :          21      BARRINGTON WAY
   MORTGAGE AMT:               253,800.00              CITY              :    GLASTONBURY        CT       06033
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            253,424.460              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,774.6190.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383581                     MORTGAGORS:           SNOWDEN, GAIL

                                                       ADDRESS     :          33 SERUSA LANE
   MORTGAGE AMT:               375,000.00              CITY              :    VINEYARD HAVEN     MA       02568
   LIFETIME RATE :               7.99000
   UNPAID BALANCE:            374,497.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,749.0068.18000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.99000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383599                     MORTGAGORS:           BALLERINI, ROCCO

                                                               BALLERINI, KRISTIAN

                                                       ADDRESS     :          647  LONG ACRE LANE
   MORTGAGE AMT:               337,491.00              CITY              :    LOWER MAKEFIELD TWPPA       19067
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            337,000.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,388.7490.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383607                     MORTGAGORS:           WALSH, MICHAEL

                                                               WALSH, KERIN

                                                       ADDRESS     :          37  ESTABROOK ROAD
   MORTGAGE AMT:               303,900.00              CITY              :    SWAMPSCOTTMA       01907
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            303,204.850              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,098.9679.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383615                     MORTGAGORS:           PANTUSO, HELEN

                                                               BARLOTTA, STEVE

                                                       ADDRESS     :          10 NOB HILL ROAD
   MORTGAGE AMT:               343,200.00              CITY              :    NEW CITY  NY       10956
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            343,002.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,699.9680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383623                     MORTGAGORS:           BARNETT, BERNARD

                                                               BARNETT, KRISCHELL

                                                       ADDRESS     :          3785  WHITE TAIL COURT
   MORTGAGE AMT:               255,300.00              CITY              :    MEAD  CO  80504
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            254,983.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,940.4658.18000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383631                     MORTGAGORS:           KOUTRAS, JAMES

                                                               KOUTRAS, KATHRYN

                                                       ADDRESS     :          4294 RANDMORE ROAD
   MORTGAGE AMT:               310,000.00              CITY              :    COLUMBUS  OH       43220
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            309,797.220              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,301.7467.39000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383649                     MORTGAGORS:           HALLOCK, DALE

                                                               HALLOCK, REBECCA

                                                       ADDRESS     :          5130  NO. 71ST STREET
   MORTGAGE AMT:               636,000.00              CITY              :    PARADISE VALLEY    AZ       85253
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            635,251.710              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,946.7480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383656                     MORTGAGORS:           STERNBERG, NEIL

                                                               STERNBERG, ANNE

                                                       ADDRESS     :          28 CATHLEEN DRIVE
   MORTGAGE AMT:               288,000.00              CITY              :    RICHBORO  PA       18954
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            287,254.730              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,867.9680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383664                     MORTGAGORS:           CICCARELLI, DAVID

                                                               CICCARELLI, DEBORAH

                                                       ADDRESS     :          38484  SORGUM COURT
   MORTGAGE AMT:               285,000.00              CITY              :    PURCELLVILLE       VA       20132
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            284,148.670              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,992.7679.39000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383672                     MORTGAGORS:           GREELING, RODNEY

                                                               GREELING, RHONDA

                                                       ADDRESS     :          146  WILLING WAY
   MORTGAGE AMT:               441,200.00              CITY              :    TROY  IL  62294
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            440,903.960              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,237.3779.21000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383680                     MORTGAGORS:           BROWN, CAROL

                                                       ADDRESS     :          30-36   ELLERY AVENUE
   MORTGAGE AMT:               400,000.00              CITY              :    MIDDLETOWNRI       02842
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            399,517.080              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,075.6576.19000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383698                     MORTGAGORS:           RAPPAPORT, JEFFREY

                                                               RAPPAPORT, DANA

                                                       ADDRESS     :          40  RAINBOW RIDGE DRIVE
   MORTGAGE AMT:               645,000.00              CITY              :    LIVINGSTONNJ       07039
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            644,235.650              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            5,016.7475.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383706                     MORTGAGORS:           FALCON, GUILLERMO

                                                       ADDRESS     :          15443 HUSTON STREET
   MORTGAGE AMT:               292,500.00              CITY              :    SHERMAN OAKS       CA       91403
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            292,144.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,249.0775.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383714                     MORTGAGORS:           JEAN-DENIS, PIERRE

                                                               JEAN-DENIS, LINDA

                                                       ADDRESS     :          1333  NAPOLI STREET
   MORTGAGE AMT:               338,100.00              CITY              :    OCEANSIDE CA       92056
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            337,633.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,451.4690.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383722                     MORTGAGORS:           SUSSMAN, DAVID

                                                               GLEESON, TARA

                                                       ADDRESS     :          541     BARTRAM RD
   MORTGAGE AMT:               400,000.00              CITY              :    MOORESTOWNNJ       08057
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            399,687.960              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,728.7161.07000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383730                     MORTGAGORS:           MAX, AUDREY

                                                       ADDRESS     :          19540
   MORTGAGE AMT:               403,782.00              CITY              :    BOCA RATONFL       33498
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            403,268.810              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,033.4880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383755                     MORTGAGORS:           FUZAYLOV, IOSIF

                                                               FUZAYLOV, SVETLANA

                                                       ADDRESS     :          112-02  JEWEL AVENUE
   MORTGAGE AMT:               452,000.00              CITY              :    FOREST HILLS       NY       11375
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            451,084.060              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,316.6280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383763                     MORTGAGORS:           SNYDER, LAWRENCE

                                                               ZANDI, KATHLEEN

                                                       ADDRESS     :          85  LAUREL RDG TRL
   MORTGAGE AMT:               264,800.00              CITY              :    KILLINGWORTH       CT       06419
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            264,613.110              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,897.0680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383771                     MORTGAGORS:           WYNN, BRYAN

                                                               WYNN, CHARLOTTE

                                                       ADDRESS     :          5  W. WOODLAWN DRIVE
   MORTGAGE AMT:               308,000.00              CITY              :    DESTREHAN LA       70047
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            307,803.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,313.9080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383789                     MORTGAGORS:           VINCENT, PATRICIA

                                                       ADDRESS     :          156 S. GARFIELD STREET
   MORTGAGE AMT:               334,000.00              CITY              :    DENVER    CO       80209
   LIFETIME RATE :               6.75000
   UNPAID BALANCE:            332,545.890              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,166.3279.52000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383797                     MORTGAGORS:           SWANSON, MARVIN

                                                               H. SWANSON, PATRICIA

                                                       ADDRESS     :          2521    PARK VISTA CIRCLE
   MORTGAGE AMT:               287,200.00              CITY              :    AMES  IA  50014
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            286,819.420              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,132.4580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383805                     MORTGAGORS:           LLANERA, MARISSA

                                                       ADDRESS     :          20230 CHANNING LANE
   MORTGAGE AMT:               303,800.00              CITY              :    YORBA LINDA        CA       92887
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            303,369.780              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,176.4679.98000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383813                     MORTGAGORS:           BERNASKO, JAMES

                                                       ADDRESS     :          144 CLAIRMONT DRIVE
   MORTGAGE AMT:               372,000.00              CITY              :    WOODCLIFF LAKE     NJ       07675
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            371,446.120              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,601.0880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383821                     MORTGAGORS:           TUCKER, LESLIE

                                                       ADDRESS     :          3282-84 MT. PHILO RD
   MORTGAGE AMT:               310,500.00              CITY              :    CHARLOTTE VT       05445
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            310,102.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,332.6875.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080383839                     MORTGAGORS:           KUPERBERG, ALEKSANDER

                                                               KUPERBERG, HALINA

                                                       ADDRESS     :          190 NEW CANAAN AVENUE
   MORTGAGE AMT:               351,480.00              CITY              :    NORWALK   CT       06850
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            351,044.600              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,671.5080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080384134                     MORTGAGORS:           WADE, CLIFFORD

                                                               WADE, LAURIE

                                                       ADDRESS     :          934 THORNHILL ROAD
   MORTGAGE AMT:               332,000.00              CITY              :    Lexington VA       24450
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            331,564.190              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,465.0973.78000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080384142                     MORTGAGORS:           SLATE, BRANDON

                                                               SLATE, BETSY

                                                       ADDRESS     :          1125 CEDAR POINT DRIVE
   MORTGAGE AMT:               295,100.00              CITY              :    Virginia Beach     VA       23451
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            294,649.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,038.1877.66000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080384191                     MORTGAGORS:           ABRIAM, JOSE

                                                               ABRIAM, JOVITA

                                                       ADDRESS     :          1156 JAMESTOWN AVENUE
   MORTGAGE AMT:               262,500.00              CITY              :    SAN FRANCIS        CA       94124
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            262,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,926.1375.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080384506                     MORTGAGORS:           GOLDMAN, WILLARD

                                                               GOLDMAN, LINDA

                                                       ADDRESS     :          7 ROME DOME COURT
   MORTGAGE AMT:               256,000.00              CITY              :    Stafford  VA       22554
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            255,805.200              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,768.1380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080384845                     MORTGAGORS:           BEVERFORDEN, JOYCE

                                                       ADDRESS     :          2113 Voorhees Ave #B
   MORTGAGE AMT:               268,000.00              CITY              :    REDONDO BEA        CA       90278
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            267,837.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,060.6980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080385248                     MORTGAGORS:           HAYTKO, CHARLES

                                                               HATTKO, MOONHEE  HATTKO, MOONHEE

                                                       ADDRESS     :          58 MARIGOLD COURT
   MORTGAGE AMT:               396,307.00              CITY              :    DANVILLE  CA       94526
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            396,307.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,907.9769.99998       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080386717                     MORTGAGORS:           RALLETA, ARNEL

                                                               RALLETA, RACHEL  RALETTA, RACHEL

                                                       ADDRESS     :          30226 BROOKSIDE LANE
   MORTGAGE AMT:               324,800.00              CITY              :    Hayward   CA       94544
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            324,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,355.0380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080387012                     MORTGAGORS:           SLOVENSKY, JOSEPH

                                                               SLOVENSKY, ELIZABETH

                                                       ADDRESS     :          3095 MCKINNON WAY
   MORTGAGE AMT:               289,900.00              CITY              :    Oakton    VA       22124
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            289,679.410              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,002.2780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080387285                     MORTGAGORS:           Millili, George

                                                               Millili, Patricia        Millili, Patricia

                                                       ADDRESS     :          37 Galloping Hill Road
   MORTGAGE AMT:               335,000.00              CITY              :    Cherry Hill        NJ       08003
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            335,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,546.2471.78000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080387772                     MORTGAGORS:           BISICHIA, ELVIRA

                                                       ADDRESS     :          2 NO. CORNWALL AVENUE
   MORTGAGE AMT:               267,000.00              CITY              :    Ventnor City       NJ       08406
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            267,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,100.4978.53000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080387814                     MORTGAGORS:           POSTLE, DEBORAH

                                                       ADDRESS     :          1175 BRACE AVENUE
   MORTGAGE AMT:               388,400.00              CITY              :    San Jose  CA       95125
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            388,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,649.5780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080388366                     MORTGAGORS:           RENTERIA, RAFAEL
                                                               GARCIA, ANDRES
                                                               FLORES, MIGUEL

                                                       ADDRESS     :          6812 NAOMI AVENUE
   MORTGAGE AMT:               258,400.00              CITY              :    BUENA PARKCA       90620
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            258,226.620              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,896.0595.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080388523                     MORTGAGORS:           AIN, KASHF

                                                               AIN, KIMBERLEY   AIN, KIMBERLEY

                                                       ADDRESS     :          LOT 2, LOGAN CREEKS LANE
   MORTGAGE AMT:               320,000.00              CITY              :    LEESBURG  VA       20175
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            319,535.310              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,264.9475.29000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080388531                     MORTGAGORS:           FREEDMAN, MATTHEW

                                                               FREEDMAN, MARY   FREEDMAN, MARY

                                                       ADDRESS     :          20 KEITHS LANE
   MORTGAGE AMT:               448,800.00              CITY              :    AlexandriaVA       22314
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            447,741.120              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,138.0779.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080388648                     MORTGAGORS:           SMITH, GREGORY

                                                               SMITH, JOANNE

                                                       ADDRESS     :          2517 YOSEMITE COURT
   MORTGAGE AMT:               531,000.00              CITY              :    UNION CITYCA       94587
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            531,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,942.6679.96000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080388978                     MORTGAGORS:           SOLAJA, JOVAN

                                                               SOLAJA, RADMILLA SOLAJA, RADMILLA

                                                       ADDRESS     :          221 WEST SYCAMORE AVENUE
   MORTGAGE AMT:               292,800.00              CITY              :    EL SEGUNDOCA       90245
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            292,608.470              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,174.0380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080388994                     MORTGAGORS:           STEIN, JOHN

                                                               STEIN, ALLISON

                                                       ADDRESS     :          24 LAWNRIDGE
   MORTGAGE AMT:               336,000.00              CITY              :    DOVE CANYON        CA       92679
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            336,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,465.4580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080389000                     MORTGAGORS:           GEISINGER, DAVID

                                                       ADDRESS     :          114 DOUGLASS STREET
   MORTGAGE AMT:               327,000.00              CITY              :    SAN FRANCIS        CA       94114
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            326,769.210              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,342.6749.17293       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080389026                     MORTGAGORS:           COLEMAN, ROBERT

                                                       ADDRESS     :          220 BAYPOINT DRIVE
   MORTGAGE AMT:               396,000.00              CITY              :    SAN RAFAELCA       94901
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            396,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,836.9980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080389596                     MORTGAGORS:           UCHIDA, DONNA

                                                       ADDRESS     :          54 TIERRA VISTA WAY
   MORTGAGE AMT:               428,000.00              CITY              :    San RafaelCA       94901
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            428,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,140.5180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390198                     MORTGAGORS:           BLANCO, LUIS

                                                               BLANCO, LORENNA  BLANCO, LORENNA

                                                       ADDRESS     :          213 BAPTISTE WAY
   MORTGAGE AMT:               344,000.00              CITY              :    La Canada Flintridge        CA       91011
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            344,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,405.3080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390255                     MORTGAGORS:           DOUGHTY, JULIA

                                                       ADDRESS     :          6535 BING STREET
   MORTGAGE AMT:                56,000.00              CITY              :    SAN DIEGO CA       92115
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:             56,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            415.8032.94118         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390305                     MORTGAGORS:           LOHDE, DAN

                                                               LOHDE, HANNE     LOHDE, HANNE

                                                       ADDRESS     :          21 CRESTVIEW
   MORTGAGE AMT:               280,000.00              CITY              :    ALISO VIEJO        CA       92656
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            280,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,957.8074.66667       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390321                     MORTGAGORS:           YU, JIE MING

                                                               POON, CHIU SHING

                                                       ADDRESS     :          5717 BELLEZA DRIVE
   MORTGAGE AMT:               305,500.00              CITY              :    PLEASANTONCA       94588
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            305,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,215.0989.98527       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390347                     MORTGAGORS:           FAULKNER, RICHARD

                                                               FAULKNER, VERNA  FAULKNER, VERNA

                                                       ADDRESS     :          1515 KITTIE LANE
   MORTGAGE AMT:               280,000.00              CITY              :    MARTINEZ  CA       94553
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            279,797.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,981.8280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390362                     MORTGAGORS:           NORTH, BRUCE

                                                               NORTH, GWENDOLYN

                                                       ADDRESS     :          64 ROCKROSE
   MORTGAGE AMT:               298,000.00              CITY              :    ALISO VIEJO        CA       92656
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            297,778.840              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,083.6680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390370                     MORTGAGORS:           XU, DI

                                                               XU, WEI

                                                       ADDRESS     :          4332 FAIRLANDS DRIVE
   MORTGAGE AMT:               285,000.00              CITY              :    PLEASANTONCA       94588
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            284,803.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,066.4595.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390396                     MORTGAGORS:           LEE, GERALD

                                                       ADDRESS     :          121 BLACK CALLA COURT
   MORTGAGE AMT:               351,900.00              CITY              :    SAN RAMON CA       94583
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            351,376.040              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,460.5479.99545       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390453                     MORTGAGORS:           BOYLE, DAN

                                                               BOYLE, PAMELA

                                                       ADDRESS     :          2902 OAK LINKS AVENUE
   MORTGAGE AMT:               361,250.00              CITY              :    HOUSTON   TX       77059
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            360,988.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,556.9079.99761       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390685                     MORTGAGORS:           PARK, JAMES

                                                               PARK, EUN        PARK, EUN

                                                       ADDRESS     :          2524 WOODBURY DRIVE
   MORTGAGE AMT:               414,000.00              CITY              :    TORRANCE  CA       90503
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            414,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,037.7980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390727                     MORTGAGORS:           SPAIN, MILTON

                                                               SPAIN, CATHERINE SPAIN, CATHERINE

                                                       ADDRESS     :          6111 SOFTWIND PLACE
   MORTGAGE AMT:               279,900.00              CITY              :    RANCHO CUCA        CA       91737
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            279,692.280              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,957.1079.99428       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080390776                     MORTGAGORS:           ZLIOBA, ARAS

                                                               ZLOIBA, LINA     ZLOIBA, LINA

                                                       ADDRESS     :          5120 ILLINIOS AVENUE
   MORTGAGE AMT:               468,000.00              CITY              :    Lisle IL  60532
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            468,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,312.4780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080391071                     MORTGAGORS:           COOPER, GREGORY D

                                                               COOPER, DENISE J COOPER, DENISE J

                                                       ADDRESS     :          288 CLUMP ROAD
   MORTGAGE AMT:               348,000.00              CITY              :    GREEN LANEPA       18054
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            348,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,523.2480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080391477                     MORTGAGORS:           MUSHA, KIRSTEN

                                                               MUSHA, DAMON     MUSHA, DAMON

                                                       ADDRESS     :          9 HAVEN DRIVE
   MORTGAGE AMT:               280,000.00              CITY              :    PETALUMA  CA       94952
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            279,821.450              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,103.5580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080391592                     MORTGAGORS:           GRAY, PATRICK

                                                               GRAY, JANET      GRAY, JANET

                                                       ADDRESS     :          2100 LONESOME DOVE AVE
   MORTGAGE AMT:               324,000.00              CITY              :    SOUTHLAKE TX       76092
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            323,788.050              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,405.7080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080391915                     MORTGAGORS:           FABBRI, CARL

                                                               FABBRI, DENISE   FABRI, DENISE

                                                       ADDRESS     :          2046 LEESE LANE
   MORTGAGE AMT:               324,000.00              CITY              :    NOVATO    CA       94945
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            323,771.320              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,321.1880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080391964                     MORTGAGORS:           SENTIMORE, CHRISTOPHER

                                                       ADDRESS     :          12120 SANGSTERS CT.
   MORTGAGE AMT:               362,225.00              CITY              :    CLIFTON   VA       20124
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            361,698.990              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,563.8141.16000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080392137                     MORTGAGORS:           LEOTTA, DAVID

                                                               LEOTTA, MICHELE  LEOTTA, MICHELLE

                                                       ADDRESS     :          1313 DUCHESS LANE,
   MORTGAGE AMT:               266,700.00              CITY              :    Huntingtown        MD       20639
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            266,502.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,864.8189.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080392244                     MORTGAGORS:           SMITH, DAVID

                                                               SMITH, DONNA     SMITH, DONNA

                                                       ADDRESS     :          33 ELM STREET
   MORTGAGE AMT:               293,400.00              CITY              :    HOPEWELL  NJ       08525
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            292,241.670              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,001.5090.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080392319                     MORTGAGORS:           CERUTO, FRANK

                                                               CERUTO, SYDNEY

                                                       ADDRESS     :          LOT 4SANDSTONE DRIVE
   MORTGAGE AMT:               493,000.00              CITY              :    ROSYLN    NY       11576
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            490,714.340              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,405.0369.92908       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080392335                     MORTGAGORS:           KADIUM, RAJKUMAR

                                                               KADIUM, TARA     KADIUM, TARA

                                                       ADDRESS     :          806 CRUSOE CIRCLE
   MORTGAGE AMT:               294,000.00              CITY              :    THOUSAND OA        CA       91362
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            292,635.660              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,030.5976.36364       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        05/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080392376                     MORTGAGORS:           KWONG, STANLEY

                                                               KWOK, JENNIE     Kwok, Jennie

                                                       ADDRESS     :          287-289 2ND AVENUE
   MORTGAGE AMT:               431,250.00              CITY              :    SAN FRANCIS        CA       94118
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            429,892.070              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,941.8975.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080393226                     MORTGAGORS:           KHANMOHAMED, AMJAD

                                                               KHANMOHAMED, SILVIA

                                                       ADDRESS     :          3967 MINERVA AVENUE
   MORTGAGE AMT:               301,500.00              CITY              :    Los Angeles        CA       90066
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            301,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,186.0890.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080393614                     MORTGAGORS:           FINK, JOHN

                                                               FINK, SYLVIA     Fink, Sylvia

                                                       ADDRESS     :          9260 PRESTWICK CLUB DRIVE
   MORTGAGE AMT:               290,000.00              CITY              :    DULUTH    GA       30097
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            290,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,052.6067.45755       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080393689                     MORTGAGORS:           CARLISLE, TIMOTHY

                                                               HENSON, ARDYSS   HENSON, ARDYSS

                                                       ADDRESS     :          3713 Chapparal Court,
   MORTGAGE AMT:               256,800.00              CITY              :    FAIRFIELD CA       94553
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            256,800.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,951.8780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080393788                     MORTGAGORS:           MCGUILL, SHAWN

                                                               MCGUILL, COLETTE MCGUILL, COLETTE

                                                       ADDRESS     :          10 GREENSPRING
   MORTGAGE AMT:               262,000.00              CITY              :    Trabuco Canyon     CA       92679
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            262,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,945.3471.78000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080393887                     MORTGAGORS:           LAVINE, DANIEL

                                                               LAVINE, EILEEN   LAVINE, EILEEN

                                                       ADDRESS     :          12372 DORMOUSE ROAD
   MORTGAGE AMT:               276,000.00              CITY              :    SAN DIEGO CA       92129
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            276,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,001.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080394232                     MORTGAGORS:           LITTRELL, KEVIN

                                                               LITTRELL, DEBRA

                                                       ADDRESS     :          515 NEAL STREET
   MORTGAGE AMT:               273,750.00              CITY              :    PLEASANTONCA       94566
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            273,750.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,008.6875.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080395007                     MORTGAGORS:           Biro, Robert

                                                               BIRO, CATHY      Pavia, Cathy

                                                       ADDRESS     :          258 Mira Mar Avenue
   MORTGAGE AMT:               404,000.00              CITY              :    Long BeachCA       90803
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            404,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,999.6980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080395296                     MORTGAGORS:           TURNER, DOUGLAS

                                                               TURNER, MARCIE   TURNER, MARCIE

                                                       ADDRESS     :          695 BUNDY AVENUE,
   MORTGAGE AMT:               320,000.00              CITY              :    SAN JOSE  CA       95117
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            320,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,404.0580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080395627                     MORTGAGORS:           Watson, Robert

                                                       ADDRESS     :          1190 Scenic Drive
   MORTGAGE AMT:               423,900.00              CITY              :    Felton    CA       95018
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            423,900.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,110.4390.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080395684                     MORTGAGORS:           FERRARI, JOHN

                                                               FERRARI, GWENDOLYN

                                                       ADDRESS     :          21029 SADDLEBACK CIRCLE
   MORTGAGE AMT:               281,850.00              CITY              :    PARKER    CO       80138
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            281,850.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,117.4494.86000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080396245                     MORTGAGORS:           May, Timothy

                                                               May, Laura       May, Laura

                                                       ADDRESS     :          3919 Coral Place
   MORTGAGE AMT:               500,000.00              CITY              :    Calabasas CA       91302
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            500,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,582.0652.08000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080396344                     MORTGAGORS:           IVERSON, RANDY

                                                               IVERSON, LAN

                                                       ADDRESS     :          844 PITKIN LOOP
   MORTGAGE AMT:               308,550.00              CITY              :    San Jose  CA       95125
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            308,367.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,399.8762.39000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080397714                     MORTGAGORS:           SEARS, DAVID

                                                               SEARS, TERI

                                                       ADDRESS     :          1640 SHENANDOAH COURT
   MORTGAGE AMT:               269,700.00              CITY              :    PETALUMA  CA       94954
   LIFETIME RATE :               8.87500
   UNPAID BALANCE:            269,700.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,145.8587.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398258                     MORTGAGORS:           Byrd, Jesse

                                                               BYRD, GOLDIE

                                                       ADDRESS     :          203 Sturdivant Road
   MORTGAGE AMT:               362,900.00              CITY              :    Durham    NC       27705
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            362,900.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,726.3589.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398274                     MORTGAGORS:           BRADLEY, GEORGE

                                                               CARPENTER, JERRY CARPENTER, JERRY

                                                       ADDRESS     :          27766 SOUTH CORRAL HOLLOW
   MORTGAGE AMT:               282,600.00              CITY              :    TRACY CA  95376
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            282,410.380              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,073.6290.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398290                     MORTGAGORS:           PANNING, BRIAN

                                                               PANNING, KATHLEEN        PANNING, KATHLEEN

                                                       ADDRESS     :          20690 COTTONWOOD ROAD
   MORTGAGE AMT:               260,000.00              CITY              :    YORBA LINDA        CA       92887
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            260,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,907.7968.42105       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398308                     MORTGAGORS:           HUTCHINGS, JEFFERY

                                                               RICHARDS, LISA   RICHARDS, LISA

                                                       ADDRESS     :          14626 ROBERTO RIO ROAD
   MORTGAGE AMT:               249,900.00              CITY              :    POWAY CA  92064
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            249,740.640              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,877.4273.52162       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398316                     MORTGAGORS:           CHUNTZ, EDWARD

                                                               LOMELI CHUNT, ANGELICA

                                                       ADDRESS     :          2520 HARRIMAN LANE
   MORTGAGE AMT:               285,000.00              CITY              :    REDONDO BEA        CA       90278
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            284,836.030              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,242.1095.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398357                     MORTGAGORS:           DUNMORE, GEORGE

                                                               DUNMORE, RUTH    DUNMORE, RUTH

                                                       ADDRESS     :          8090 COBBLE COURT.
   MORTGAGE AMT:               518,000.00              CITY              :    GRANITE BAY        CA       95746
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            517,686.200              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,982.9770.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398365                     MORTGAGORS:           BROWN, CORY

                                                               BROWN, DINA      BROWN, DINA

                                                       ADDRESS     :          26615 TAMPICO PLACE
   MORTGAGE AMT:               276,800.00              CITY              :    MISSION VIE        CA       92691
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            276,627.950              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,103.8880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398373                     MORTGAGORS:           ETHERINGTON, ANDREW

                                                               MOUNT, PATRICIA  MOUNT, PATRICIA

                                                       ADDRESS     :          1377 KIRKWOOD MEADOWS DRI
   MORTGAGE AMT:               300,000.00              CITY              :    KIRKWOOD  CA       95646
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            299,808.700              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,253.8043.16547       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398381                     MORTGAGORS:           DROSDAK, LEE

                                                               L DROSDAK, KELLY L.DROSDAK, KELLY

                                                       ADDRESS     :          6733 BRANDT COURT
   MORTGAGE AMT:               275,000.00              CITY              :    FREDERICK MD       21702
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            275,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,970.1374.91718       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398399                     MORTGAGORS:           WILSON, JOHN

                                                               WILSON, KATHY    WILSON, KATHY

                                                       ADDRESS     :          48750 SOUTHVIEW PLACE
   MORTGAGE AMT:               440,000.00              CITY              :    INDIO CA  92201
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            439,697.190              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,190.3180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398431                     MORTGAGORS:           DUNNE, JOHN

                                                               DUNNE, JACQUELINE        DUNNE, JACQUELINE

                                                       ADDRESS     :          14 SCOTCH DAM ROAD
   MORTGAGE AMT:               299,000.00              CITY              :    EASTON    MA       02375
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            298,799.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,193.9688.46154       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398522                     MORTGAGORS:           THOMAS, ROGER

                                                               THOMAS, ELANA    Thomas, Elana

                                                       ADDRESS     :          2195 CYPRESS POINT
   MORTGAGE AMT:               352,000.00              CITY              :    BYRON CA  94514
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            352,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,613.5980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398621                     MORTGAGORS:           TWYMAN, KEVIN

                                                               TWYMAN, SANDRA   TWYMAN, SANDRA

                                                       ADDRESS     :          760 AVENIDA LEON
   MORTGAGE AMT:               355,650.00              CITY              :    San MarcosCA       92069
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            355,411.360              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,609.6395.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398928                     MORTGAGORS:           Nayebyan, Vahe

                                                               Nayebyan, Katrina        Nayebyan, Katrina

                                                       ADDRESS     :          2228 Cross Street
   MORTGAGE AMT:               308,000.00              CITY              :    La Canada Flintridge        CA       91011
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            308,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,259.9980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080398951                     MORTGAGORS:           PILKENTON, BRIAN

                                                               PILKENTON, BARBARA       PILKENTON, BARBARA

                                                       ADDRESS     :          604 GOUCHER STREET
   MORTGAGE AMT:               114,000.00              CITY              :    AMITY OR  97101
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            114,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            846.4595.00000         ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399009                     MORTGAGORS:           SUR, HARLAN

                                                               SUR, VICTORIA    SUR, VICTORIA

                                                       ADDRESS     :          4341 BOLINA DRIVE
   MORTGAGE AMT:               340,000.00              CITY              :    UNION CITYCA       94587
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            340,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,524.4980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399025                     MORTGAGORS:           SIMA, WILLIAM

                                                               SIMA, LAURA      SIMA, LAURA

                                                       ADDRESS     :          3605 RIDGE ROAD
   MORTGAGE AMT:               258,400.00              CITY              :    SPRING GROV        IL       60081
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            258,222.170              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,873.5880.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399223                     MORTGAGORS:           MARLOW, JOHN

                                                               MARLOW, CHRISTINE        MARLOW, CHRISTINE

                                                       ADDRESS     :          9699 BROOK HILL LANE
   MORTGAGE AMT:               408,000.00              CITY              :    Littleton CO       80124
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            407,746.400              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,101.0979.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399249                     MORTGAGORS:           NOACK, OTTO

                                                               PERRY, JODI      PERRY, JODI

                                                       ADDRESS     :          725 SUTTON DRIVE
   MORTGAGE AMT:               363,950.00              CITY              :    Walnut Creek       CA       94598
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            363,705.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,670.5469.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399256                     MORTGAGORS:           OTTENS, LAURIE

                                                       ADDRESS     :          827 CORNELL AVENUE
   MORTGAGE AMT:               270,000.00              CITY              :    Albany    CA       94706
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            269,809.430              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,934.3193.10000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399280                     MORTGAGORS:           LEE, JOHN

                                                               MARIE APO, CHERYL        MARIE APO, CHERYL

                                                       ADDRESS     :          430 HALAKI STREET
   MORTGAGE AMT:               373,500.00              CITY              :    Honolulu  HI       96821
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            373,034.080              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,838.8790.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399322                     MORTGAGORS:           KUNZ, BURTON

                                                               KUNZ, LISA       KUNZ, LISA

                                                       ADDRESS     :          602 SW STRIBLING COURT
   MORTGAGE AMT:               300,000.00              CITY              :    LEESBURG  VA       20175
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            299,625.760              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,280.2289.53000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399363                     MORTGAGORS:           FISHER, SCOTT

                                                               FISHER, PATRICIA FISHER, PATRICIA

                                                       ADDRESS     :          6640 ISLE OF SKY DRIVE
   MORTGAGE AMT:               288,000.00              CITY              :    Highland  MD       20777
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            287,786.260              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,013.7480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399371                     MORTGAGORS:           COULTER, JAMES

                                                               COULTER, MARTA   COULTER, MARTA

                                                       ADDRESS     :          40 HARPER CANYON ROAD
   MORTGAGE AMT:               304,000.00              CITY              :    Salinas   CA       93908
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            303,801.130              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,257.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399397                     MORTGAGORS:           BEIRIGER, IRENE

                                                       ADDRESS     :          3139 E. VERMONT AVENUE
   MORTGAGE AMT:               292,500.00              CITY              :    Phoenix   AZ       85016
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            292,318.200              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,223.2190.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399405                     MORTGAGORS:           DYER, KENNETH

                                                               FINTON, GERALDINE        FINTON, GERALDINE

                                                       ADDRESS     :          3040 PRADO LANE
   MORTGAGE AMT:               260,300.00              CITY              :    Davis CA  95616
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            259,845.550              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,887.3695.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399454                     MORTGAGORS:           ARINWINE, EVERETT

                                                       ADDRESS     :          643 WEST PALM AVENUE
   MORTGAGE AMT:               576,000.00              CITY              :    El SegundoCA       90245
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            575,668.610              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,531.3980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399496                     MORTGAGORS:           RODRIGUEZ, FIDEL
                                                               MAGANA, BLANCA
                                                               RODRIGUEZ, SONIA MAGANA, BLANCA

                                                       ADDRESS     :          251 BRIGHT STREET
   MORTGAGE AMT:               270,750.00              CITY              :    San Francisco      CA       94132
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            270,585.980              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,081.8395.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399520                     MORTGAGORS:           STEPHENS, DAVID

                                                       ADDRESS     :          8139 GRAHAMSON LANE
   MORTGAGE AMT:               282,150.00              CITY              :    Charlotte NC       28269
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            281,960.680              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,070.3294.99000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399629                     MORTGAGORS:           SWART, GLENN

                                                               SWART, RENEE     SWART, RENEE

                                                       ADDRESS     :          720 E. NORTHRIDGE AVENUE
   MORTGAGE AMT:               286,650.00              CITY              :    Glendora  CA       91741
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            286,264.040              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,103.3490.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080399702                     MORTGAGORS:           DIFELICE, VINCENT

                                                               DIFELICE, MARY   DIFELICE, MARY

                                                       ADDRESS     :          1506 POWELL ROAD
   MORTGAGE AMT:               262,500.00              CITY              :    Coatesville        PA       19320
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            262,340.980              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,018.4075.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080400401                     MORTGAGORS:           HORMACHEA, DAVID

                                                               HORMACHEA, NANCY HORMACHEA, NANCY

                                                       ADDRESS     :          454 MINARET STREET
   MORTGAGE AMT:               246,400.00              CITY              :    Corona    CA       91719
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            245,852.760              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,744.0092.98000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080400948                     MORTGAGORS:           SKINNER, DONALD

                                                       ADDRESS     :          185 MONTE VISTA DRIVE
   MORTGAGE AMT:               308,000.00              CITY              :    APTOS CA  95003
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            308,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,206.5580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080400997                     MORTGAGORS:           KLESZCZ, DONALD

                                                               KLESZCZ, JANET   KLESZCZ, JANET

                                                       ADDRESS     :          3302 NORTH CORBY AVENUE
   MORTGAGE AMT:               269,600.00              CITY              :    CAMARILLO CA       93010
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            269,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,978.2380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080401227                     MORTGAGORS:           JONES, VICTORIA

                                                       ADDRESS     :          14 SQUIRREL HILL ROAD
   MORTGAGE AMT:               479,500.00              CITY              :    Wayland   MA       01778
   LIFETIME RATE :               9.37500
   UNPAID BALANCE:            479,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,988.2470.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             9.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080401748                     MORTGAGORS:           MADDEN, MATTHEW

                                                               MADDEN, DEBORAH  MADDEN, DEBORAH

                                                       ADDRESS     :          3 FEDERAL EAGLE ROAD
   MORTGAGE AMT:               328,000.00              CITY              :    Duxbury   MA       02332
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            327,580.260              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,464.1579.04000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080401938                     MORTGAGORS:           SLOVENSKY, ANDREW

                                                               PIERCE, DEBORAH  PIERCE, DEBORAH

                                                       ADDRESS     :          417 MILITIA HILL ROAD.
   MORTGAGE AMT:               346,750.00              CITY              :    FORT WASHIN        PA       19034
   LIFETIME RATE :               6.25000
   UNPAID BALANCE:            345,757.820              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,135.0095.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080402050                     MORTGAGORS:           YAZDI, AZIZ

                                                               YAZDI, ERIN      Yazdi, Erin

                                                       ADDRESS     :          2211 BRIARGROVE DR
   MORTGAGE AMT:               334,400.00              CITY              :    LITTLETON CO       80126
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            334,400.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,424.6379.98182       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080402175                     MORTGAGORS:           CHEY, DOUGLAS

                                                       ADDRESS     :          830 17th st #1
   MORTGAGE AMT:               445,000.00              CITY              :    SANTA MONIC        CA       90403
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            444,685.930              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,188.0377.39130       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403041                     MORTGAGORS:           KRASNE, ALBERT

                                                       ADDRESS     :          3940 GRESHAM STREET #141
   MORTGAGE AMT:               300,000.00              CITY              :    SAN DIEGO CA       92109
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            300,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,201.2975.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403082                     MORTGAGORS:           DOOLAN, DAVID

                                                               DOOLAN, JUDITH   Doolan, Judith

                                                       ADDRESS     :          1804 ADOBE CREEK DRIVE
   MORTGAGE AMT:               364,000.00              CITY              :    PETALUMA  CA       94954
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            364,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,670.9080.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403280                     MORTGAGORS:           ROGERS, PAUL

                                                               ROGERS, MARY

                                                       ADDRESS     :          31618 AVENIDA DEL REPOSO
   MORTGAGE AMT:               365,500.00              CITY              :    TEMECULA  CA       92591
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            365,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,681.9185.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403371                     MORTGAGORS:           BENNETT,, JOHN

                                                               BENNETT, VICKIE  BENNETT, VICKIE

                                                       ADDRESS     :          1728 VICTORIA WAY
   MORTGAGE AMT:               415,000.00              CITY              :    San MarcosCA       92069
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            415,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,045.1279.81000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403397                     MORTGAGORS:           WILLIAMS, DANIEL

                                                               WILLIAMS, MARIAN WILLIAMS, MARIAN

                                                       ADDRESS     :          1339 & 1341 S. ORANGE DRI
   MORTGAGE AMT:               331,100.00              CITY              :    Los Angeles        CA       90019
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            330,877.830              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,429.4989.97000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403421                     MORTGAGORS:           GULMI, THOMAS

                                                               GULMI, JANICE    GULMI, JANICE

                                                       ADDRESS     :          227 TINTON PLACE
   MORTGAGE AMT:               265,000.00              CITY              :    EAST NORTHP        NY       11731
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            263,953.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,807.7794.64286       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403439                     MORTGAGORS:           SHELLEY, FRANK

                                                               SHELLEY, ARLENE  SHELLEY, ARLENE

                                                       ADDRESS     :          21 CLIFF SWALLOW DRIVE
   MORTGAGE AMT:               350,000.00              CITY              :    MEDFORD   NJ       08055
   LIFETIME RATE :               7.00000
   UNPAID BALANCE:            347,956.260              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,328.5654.68750       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        04/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403447                     MORTGAGORS:           EMMERLING, JOHN

                                                               EMMERLING, KATHLEEN      EMMERLING, KATHLEEN

                                                       ADDRESS     :          2224 SOUTH QUEEN STREET
   MORTGAGE AMT:               400,000.00              CITY              :    LAKEWOOD  CO       80227
   LIFETIME RATE :               7.12500
   UNPAID BALANCE:            397,387.230              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,694.8768.37607       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        03/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403496                     MORTGAGORS:           JOHNSON, SUE

                                                               JOHNSON, CLAUDE  JOHNSON, CLAUDE

                                                       ADDRESS     :          40502 BLUEBELL TRAIL
   MORTGAGE AMT:               432,000.00              CITY              :    ELIZABETH CO       80107
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            430,376.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,020.6180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        06/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403504                     MORTGAGORS:           SEAVER, ROBERT

                                                               SEAVER, SHARON   SEAVER, SHARON

                                                       ADDRESS     :          1542 OLD FARM COURT
   MORTGAGE AMT:               260,000.00              CITY              :    YARDLEY   PA       19067
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            259,829.920              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,930.5065.27005       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403512                     MORTGAGORS:           HO, TECK

                                                               LOW, LING        LOW, LING

                                                       ADDRESS     :          737 PERIWINKLE LANE
   MORTGAGE AMT:               300,000.00              CITY              :    WYNNEWOOD PA       19096
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            299,553.310              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,097.6575.18797       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403652                     MORTGAGORS:           BENKHALED, DRISS

                                                       ADDRESS     :          3824 PACIFIC AVENUE
   MORTGAGE AMT:               310,000.00              CITY              :    LONG BEACHCA       90807
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            310,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,247.7286.11111       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403686                     MORTGAGORS:           ANDREWS, WILLIAM

                                                               ANDREWS, LAURIE  ANDREWS, LAURIE

                                                       ADDRESS     :          5624 AGATHA COURT
   MORTGAGE AMT:               297,000.00              CITY              :    LIVERMORE CA       94550
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            297,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,179.2871.91283       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080403785                     MORTGAGORS:           TUNISON, CHARLES

                                                               TUNISON, BARBARA TUNISON, BARBARA

                                                       ADDRESS     :          293 SMITH ROAD
   MORTGAGE AMT:               270,000.00              CITY              :    Alamo (AREA)       CA       94507
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            270,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,864.8242.52000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080404585                     MORTGAGORS:           LEMMERMAN, LOREN

                                                               LANGENBECK, SHARON       Langenbeck, Sharon

                                                       ADDRESS     :          25079 BARNHILL ROAD
   MORTGAGE AMT:               472,000.00              CITY              :    Saugus(area)       CA       91350
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            471,649.710              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,300.2980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080404593                     MORTGAGORS:           HOLLISTER, JEFFREY

                                                               HOLLISTER, KRISTIN       Hollister, Kristin

                                                       ADDRESS     :          20 BEL AIR DRIVE
   MORTGAGE AMT:               372,000.00              CITY              :    ORINDA    CA       94563
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            372,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,632.9980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080404601                     MORTGAGORS:           QUIRK, MAURICE

                                                               QUIRK, GLORIA    Quirk, Gloria

                                                       ADDRESS     :          2737 STARBIRD DRIVE
   MORTGAGE AMT:               440,000.00              CITY              :    COSTA MESACA       92626
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            439,108.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,228.5780.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080404627                     MORTGAGORS:           ANDERSON, ROBERT

                                                               ANDERSON, CHRIS  ANDERSON, CHRIS

                                                       ADDRESS     :          3147 RANCHO DIEGO CIRCLE
   MORTGAGE AMT:               260,000.00              CITY              :    El Cajon (AREA)    CA       92019
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            259,816.500              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,862.6773.23944       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080404635                     MORTGAGORS:           SONG, GREGORY

                                                               TANG, BONNIE     TANG, BONNIE

                                                       ADDRESS     :          970 MOONBEAM DRIVE
   MORTGAGE AMT:               277,500.00              CITY              :    MONTEREY PA        CA       91754
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            277,500.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,964.1379.97118       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080404643                     MORTGAGORS:           FRILOT, CAROLINE

                                                               FRILOT, STEVEN   FRILOT, STEVEN

                                                       ADDRESS     :          1961 WEST SNEAD STREET
   MORTGAGE AMT:               434,000.00              CITY              :    La Habra  CA       90631
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            434,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,071.8279.78000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080405566                     MORTGAGORS:           GELB, RICHARD

                                                               GELB, MARY       GELB, MARY

                                                       ADDRESS     :          10161 CRAILET DRIVE
   MORTGAGE AMT:               328,000.00              CITY              :    HUNTINGTONCA       92646
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            328,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,464.1580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080405616                     MORTGAGORS:           HLAVKA, ROBERT

                                                               HLAVKA, LEANNE   Hlavka, Leanne

                                                       ADDRESS     :          455 Flock Avenue
   MORTGAGE AMT:               390,000.00              CITY              :    NapervilleIL       60565
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            390,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,201.7069.84000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  105        11/01/19

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080405681                     MORTGAGORS:           WALLACE, DOUGLAS

                                                       ADDRESS     :          22414 WARMSIDE AVENUE
   MORTGAGE AMT:               325,000.00              CITY              :    TORRANCE  CA       90505
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            325,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,328.3477.01422       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080405723                     MORTGAGORS:           AMIDON, KEITH

                                                               MENON, RANI      MENON, RANI

                                                       ADDRESS     :          34116 O'NEIL TERRACE
   MORTGAGE AMT:               312,000.00              CITY              :    Fremont   CA       94555
   LIFETIME RATE :               7.87500
   UNPAID BALANCE:            312,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,262.2280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080405731                     MORTGAGORS:           MACHO, JOHN

                                                               MACHO, LISA      MACHO, LISA

                                                       ADDRESS     :          5131 LASHEART DRIVE
   MORTGAGE AMT:               400,000.00              CITY              :    La Canada Flintridge        CA       91011
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            400,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,865.6564.52000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080405947                     MORTGAGORS:           DROR, ALAN

                                                               DROR, GLORIA     DROR, GLORIA

                                                       ADDRESS     :          1430 DOLPHIN TERRACE
   MORTGAGE AMT:               637,000.00              CITY              :    NEWPORT BEACH      CA       92625
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            637,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,454.0070.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080406135                     MORTGAGORS:           ROWE, GLENN

                                                       ADDRESS     :          493 FLOWER STREET
   MORTGAGE AMT:               335,700.00              CITY              :    Costa MesaCA       92627
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            335,700.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,522.0078.07000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080406150                     MORTGAGORS:           FAYNSOD, LEON

                                                               FAYNSOD, IRMA    FAYNSOD, IRMA

                                                       ADDRESS     :          1260 RIMMER AVENUE
   MORTGAGE AMT:               365,000.00              CITY              :    Los Angeles        CA       90272
   LIFETIME RATE :               7.62500
   UNPAID BALANCE:            365,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,583.4551.41000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080406705                     MORTGAGORS:           DOUGHERTY, BRIAN

                                                               DOUGHERTY, PHYLIS        DOUGHERTY, PHYLISS

                                                       ADDRESS     :          1428 YOLANDA COURT
   MORTGAGE AMT:               344,000.00              CITY              :    SAN JOSE  CA       95118
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            344,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,584.3680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080406804                     MORTGAGORS:           KETCHUM, TODD

                                                               TOBIN KETCHU, LAURA      TOBIN-KETCHUM, LAURA

                                                       ADDRESS     :          70 WABAN HILL ROAD
   MORTGAGE AMT:               519,200.00              CITY              :    NEWTON    MA       02160
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            519,200.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,855.0580.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080406820                     MORTGAGORS:           HALL, CHRISTIAN

                                                               HALL, PATRICIA   HALL, PATRICIA

                                                       ADDRESS     :          3147 COUNTRY CLUB DRIVE
   MORTGAGE AMT:               280,000.00              CITY              :    COSTA MESACA       92626
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            280,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,078.9980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080406838                     MORTGAGORS:           Sharratt, Andrea

                                                       ADDRESS     :          1255 TAM O'SHANTER DRIVE
   MORTGAGE AMT:               371,000.00              CITY              :    Bakersfield        CA       93309
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            371,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,787.2069.35000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080406861                     MORTGAGORS:           CLAPP, STEPHEN

                                                               CLAPP, KAREN     CLAPP, KAREN

                                                       ADDRESS     :          4410 GLEN EAGLE DRIVE
   MORTGAGE AMT:               386,250.00              CITY              :    Columbia  MO       65203
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            386,250.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,834.1775.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411192                     MORTGAGORS:           Sbarra, Sandy

                                                               Sbarra, Carmen

                                                       ADDRESS     :          12877 East Rancho Estates
   MORTGAGE AMT:               262,000.00              CITY              :    Rancho Cucamonga   CA       91739
   LIFETIME RATE :               7.37500
   UNPAID BALANCE:            262,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,809.5776.50000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411226                     MORTGAGORS:           KUHLMANN, PETER

                                                       ADDRESS     :          TOWER HILL ROAD
   MORTGAGE AMT:               618,750.00              CITY              :    Millbrook NY       12545
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            617,363.770              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,326.3975.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411234                     MORTGAGORS:           UPTON, ROBERT

                                                       ADDRESS     :          1761 SUNNY CREST LANE
   MORTGAGE AMT:               261,450.00              CITY              :    Bonita    CA       91902
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            261,299.580              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,056.8390.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411259                     MORTGAGORS:           SAVINO, DOUGLAS

                                                               SAVINO, ANITA

                                                       ADDRESS     :          57 STERLING ROAD
   MORTGAGE AMT:               550,000.00              CITY              :    Harrison  NY       10528
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            548,767.790              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,845.6873.33000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411275                     MORTGAGORS:           MILLER, DENNIS

                                                               MILLER, LYNNE

                                                       ADDRESS     :          33 IRVINE ROAD
   MORTGAGE AMT:               650,000.00              CITY              :    Greenwich CT       06870
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            649,168.190              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,883.2378.31000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411291                     MORTGAGORS:           JONES, PAMELA

                                                       ADDRESS     :          1495 CROSS HIGHWAY
   MORTGAGE AMT:               407,200.00              CITY              :    Fairfield CT       06430
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            406,946.910              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,095.0180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411309                     MORTGAGORS:           ROSS, SCOTT

                                                               ROSS, DEBORAH

                                                       ADDRESS     :          21 MELENY ROAD
   MORTGAGE AMT:               264,000.00              CITY              :    Locust Valley      NY       11560
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            263,408.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,845.9380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        08/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411317                     MORTGAGORS:           MACDONALD, CHARLES

                                                               MACDONALD, DENISE

                                                       ADDRESS     :          332 WOLF HILL ROAD
   MORTGAGE AMT:               265,000.00              CITY              :    Dix Hills NY       11746
   LIFETIME RATE :               8.75000
   UNPAID BALANCE:            264,847.530              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,084.7672.60000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411325                     MORTGAGORS:           TOPF, WILLIAM

                                                               ANGELSON, CARYN

                                                       ADDRESS     :          190 DELHI ROAD
   MORTGAGE AMT:               352,000.00              CITY              :    Scarsdale NY       10583
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            351,769.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,613.5980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411333                     MORTGAGORS:           JEAN, CAVENET

                                                               JEAN, CAMESUZE

                                                       ADDRESS     :          4 LAURA LANE
   MORTGAGE AMT:               280,000.00              CITY              :    Pomona    NY       10970
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            279,830.370              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,152.9680.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411390                     MORTGAGORS:           SLATTERY, JAMES

                                                               SLATTERY, MARY

                                                       ADDRESS     :          7 AIDA COURT
   MORTGAGE AMT:               275,500.00              CITY              :    BrookhavenNY       11719
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            275,319.780              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,045.5895.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411416                     MORTGAGORS:           ARNOLD, JOHN

                                                               ARNOLD, ANNE

                                                       ADDRESS     :          6 HERITAGE COURT
   MORTGAGE AMT:               451,130.00              CITY              :    Rye Brook NY       10573
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            450,537.800              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,349.6379.85000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411440                     MORTGAGORS:           GREENSTEIN, GREGORY

                                                               GREENSTEIN, DONNA

                                                       ADDRESS     :          19 SOUTH WOODS ROAD
   MORTGAGE AMT:               595,000.00              CITY              :    Woodbury  NY       11797
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            594,620.590              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,470.0470.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411465                     MORTGAGORS:           SAGDEO, ANJALI

                                                       ADDRESS     :          10106 LAMPLIGHTER SQUARE
   MORTGAGE AMT:               450,900.00              CITY              :    Cupertino CA       95014
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            450,597.460              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,308.5490.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411481                     MORTGAGORS:           SIAS, JOHN

                                                               WILLIAMS, SUSAN

                                                       ADDRESS     :          9 sunshine ave
   MORTGAGE AMT:               424,000.00              CITY              :    connecticut        CT       06878
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            423,700.740              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,037.5980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411499                     MORTGAGORS:           BROZSKI, SERGEI

                                                               BROSKI, MARTHA

                                                       ADDRESS     :          25 RIDGE ROAD
   MORTGAGE AMT:               392,000.00              CITY              :    Katonah   NY       10536
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            391,709.080              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,740.9266.22000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411515                     MORTGAGORS:           MOUKHITDINOV, ASKAR

                                                       ADDRESS     :          5 CLAIRE AVENUE
   MORTGAGE AMT:               296,250.00              CITY              :    New Rochelle       NY       10804
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            296,061.090              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,225.6375.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411556                     MORTGAGORS:           SAVITT, ROGER

                                                               SAVITT, INGER

                                                       ADDRESS     :          532 CROTON LAKE ROAD
   MORTGAGE AMT:               340,000.00              CITY              :    Bedford Corners    NY       10549
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            340,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,435.8068.69000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411564                     MORTGAGORS:           FRANKEL, BRUCE

                                                       ADDRESS     :          98 OTTAWA ROAD SOUTH,
   MORTGAGE AMT:               350,100.00              CITY              :    Marlboro  NJ       07746
   LIFETIME RATE :               7.75000
   UNPAID BALANCE:            349,852.900              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,508.1690.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.75000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411572                     MORTGAGORS:           PEREZ, CHRISTOPHER

                                                               MULLER, MAIA

                                                       ADDRESS     :          1180 COUNTY ROUTE 13
   MORTGAGE AMT:               380,000.00              CITY              :    Old Chatham        NY       12136
   LIFETIME RATE :               6.87500
   UNPAID BALANCE:            378,385.350              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,496.3380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             6.87500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411580                     MORTGAGORS:           DAVIS, LEROY

                                                       ADDRESS     :          86 SOUTH OXFORD STREET
   MORTGAGE AMT:               431,000.00              CITY              :    Brooklyn  NY       11217
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            430,745.540              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            3,352.2774.96000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411598                     MORTGAGORS:           STRIANO, THOMASINA

                                                       ADDRESS     :          126 VIRGINIA AVENUE
   MORTGAGE AMT:               249,000.00              CITY              :    Dobbs Ferry        NY       10522
   LIFETIME RATE :               7.25000
   UNPAID BALANCE:            248,215.950              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,698.6275.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        07/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411614                     MORTGAGORS:           GIORDANO, LOUIS

                                                               GIORDANO, LISA

                                                       ADDRESS     :          1420 PARKVIEW COURT
   MORTGAGE AMT:               384,000.00              CITY              :    PleasantonCA       94566
   LIFETIME RATE :               8.50000
   UNPAID BALANCE:            384,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,952.6380.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411622                     MORTGAGORS:           MORIARTY, LAWRENCE

                                                               COOK, JENNIFER

                                                       ADDRESS     :          433 EAST OLIVE STREET
   MORTGAGE AMT:               249,850.00              CITY              :    Long BeachNY       11561
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            249,850.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            1,877.0495.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411630                     MORTGAGORS:           PEPPER, ALBERT

                                                       ADDRESS     :          605 VISTA DEL MAR
   MORTGAGE AMT:               581,250.00              CITY              :    Aptos CA  95003
   LIFETIME RATE :               8.37500
   UNPAID BALANCE:            581,250.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,417.9275.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.37500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411648                     MORTGAGORS:           KEEGAN, SEAN

                                                               KEEGAN, TRACEY

                                                       ADDRESS     :          11 SHURTS ROAD
   MORTGAGE AMT:               295,000.00              CITY              :    Whitehouse Station NJ       08889
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            294,802.060              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,164.6188.59000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080411689                     MORTGAGORS:           CRAFT, JONATHAN

                                                       ADDRESS     :          41 GESNER AVENUE
   MORTGAGE AMT:               287,200.00              CITY              :    SOUTH NYACK        NY       10960
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            287,016.860              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,157.6480.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        10/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080412737                     MORTGAGORS:           ERICKSEN, R.

                                                               ERICKSEN, IRENE

                                                       ADDRESS     :          322 THIRTIETH AVENUE
   MORTGAGE AMT:               284,000.00              CITY              :    Santa CruzCA       95062
   LIFETIME RATE :               8.62500
   UNPAID BALANCE:            284,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,208.9280.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.62500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080413982                     MORTGAGORS:           SHREFFLER, LUCY

                                                               O'CONNOR, DAVID  O'CONNOR-HOSHINO, MAKI

                                                       ADDRESS     :          1332-1334 WALLER STREET
   MORTGAGE AMT:               568,000.00              CITY              :    San Francisco      CA       94117
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            568,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            4,267.1980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  351        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080414758                     MORTGAGORS:           SEARLES, NANCY

                                                               SEARLES, MATTHEW

                                                       ADDRESS     :          22 YOUNG ROAD
   MORTGAGE AMT:               300,000.00              CITY              :    Katonah   NY       10536
   LIFETIME RATE :               8.00000
   UNPAID BALANCE:            299,596.080              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,201.2975.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.00000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        09/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080415839                     MORTGAGORS:           BEVINS, RICK

                                                               BEVINS, ROXANNE

                                                       ADDRESS     :          33007 170TH PLACE
   MORTGAGE AMT:               269,600.00              CITY              :    Auburn    WA       98092
   LIFETIME RATE :               8.25000
   UNPAID BALANCE:            269,600.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,025.4180.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.25000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080418627                     MORTGAGORS:           Smith, Benjamin

                                                               Smith, Janet

                                                       ADDRESS     :          1130 Rebecca Drive
   MORTGAGE AMT:               316,000.00              CITY              :    Boulder Creek      CA       95006
   LIFETIME RATE :               8.12500
   UNPAID BALANCE:            316,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,346.2980.00000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             8.12500               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   LN #   0080422942                     MORTGAGORS:           Rhodes, Terry

                                                               Rhodes, Brenda

                                                       ADDRESS     :          3350 ANGELSTONE POINT
   MORTGAGE AMT:               370,000.00              CITY              :    Colorado Springs   CO       80919
   LIFETIME RATE :               7.50000
   UNPAID BALANCE:            370,000.000              OPTION TO CONVERT :            No
   MONTHLY P&I:LTV :            2,587.0977.89000       ANNUAL RATE ADJUST:OUTSIDE CONV DATE:0.000
   CURRENT INT RATE:             7.50000               MATURITY DATE:
                                                       PRODUCT CODE:                  102        11/01/29

-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
   **** PAGE TOTALS ****          NUM OF LOANS:        1057                   LOAN AMT:    344,492,032.2
                                  P & I AMT:    2,510,118.34                  UPB AMT:     343,555,635.3

   **** GRAND TOTALS ****         NUM OF LOANS:                 1055          LOAN AMT:        344,492,032.27
                                  P & I AMT:            2,510,118.34          UPB AMT:         343,555,635.39

EXHIBIT D

FORM OF SERVICER'S CERTIFICATE

________________, ______

(month) (year)

GE CAPITAL MORTGAGE SERVICES, INC.

REMIC Mortgage Pass-Through Certificates,

Series 1999-20

Pursuant to the Pooling and Servicing Agreement dated as of November 1, 1999 (the "Agreement") between GE Capital Mortgage Services, Inc. (the "Company"), and State Street Bank and Trust Company (the "Trustee"), governing the Certificates referred to above, the Company hereby certifies to the Trustee:

With respect to the Agreement and as of the Determination Date for this month:

A. Mortgage Loan Information:

(1) Aggregate Scheduled Monthly Payments:

(a) Principal $________

(b) Interest $________

(2) Aggregate Monthly Payments received and Monthly Advances made this Month:

(a) Principal $________

(b) Interest $________

(3) Aggregate Principal Prepayments in part received and applied in the applicable Prepayment Period:

(a) Principal $________

(b) Interest $________

(4) Aggregate Principal Prepayments in full received in the applicable Prepayment Period:

(a) Principal $________

(b) Interest $________

(5) Aggregate Insurance Proceeds (including purchases of Mortgage Loans by primary mortgage insurers) for prior month:

(a) Principal $________

(b) Interest $________

(6) Aggregate Liquidation Proceeds for prior month:

(a) Principal $________

(b) Interest $________

(7) Aggregate Purchase Prices for Defaulted Mortgage Loans:

(a) Principal $________

(b) Interest $________

(8) Aggregate Purchase Prices (and substitution adjustments) for Defective Mortgage Loans:

(a) Principal $________

(b) Interest $________

(9) Pool Scheduled Principal Balance: $________

(10) Available Funds: $________

(11) Realized Losses for prior month: $________

(12) Aggregate Realized Losses and Debt Service Reductions:

(a) Deficient Valuations $________

(b) Special Hazard Losses $________

(d) Excess Bankruptcy Losses $________

(i) Debt Service Reductions $________

(ii) Deficient Valuations $________

(e) Excess Special Hazard Losses $________

(f) Excess Fraud Losses $________

(g) Debt Service Reductions $________

(13) Compensating Interest Payment: $________

(14) Accrued Certificate Interest, Unpaid Class Interest Shortfalls and Pay-out Rate:

Class A1 $__________ $__________ ____%

Class A3 $__________ $__________ ____%

Class A4 $__________ $__________ ____%

Class A5 $__________ $__________ ____%

Class A6 $__________ $__________ ____%

Class A7 $__________ $__________ ____%

Class A8 $__________ $__________ ____%

Class A9 $__________ $__________ ____%

Class A10 $__________ $__________ ____%

Class A11 $__________ $__________ ____%

Class A12 $__________ $__________ ____%

Class A13 $__________ $__________ ____%

Class A14 $__________ $__________ ____%

Class A15 $__________ $__________ ____%

Class A16 $__________ $__________ ____%

Class A17 $__________ $__________ ____%

Class A18 $__________ $__________ ____%

Class A19 $__________ $__________ ____%

Class M $__________ $__________ ____%

Class B1 $__________ $__________ ____%

Class B2 $__________ $__________ ____%

Class B3 $__________ $__________ ____%

Class B4 $__________ $__________ ____%

Class B5 $__________ $__________ ____%

Class R $__________ $__________ ____%

Class S $__________ $__________ ____%

(15) Accrual amount:

N/A

(16) Principal distributable:

Class A1 $__________

Class A2 $__________

Class A3 $__________

Class A4 $__________

Class A5 $__________

Class A6 $__________

Class A7 $__________

Class A8 $__________

Class A9 $__________

Class A10 $__________

Class A11 $__________

Class A12 $__________

Class A13 $__________

Class A14 $__________

Class A15 $__________

Class A16 $__________

Class A17 $__________

Class A18 $__________

Class A19 $__________

Class PO $__________

Class M $__________

Class B1 $__________

Class B2 $__________

Class B3 $__________

Class B4 $__________

Class B5 $__________

Class R $__________

(17) Additional distributions to the Class R Certificate pursuant to Section 4.01(b):

Class R $__________

(18) Certificate Interest Rate of:

Class S Certificates __________%

(19) Distributions Allocable to Unanticipated Recoveries:

Class A1 $__________

Class A2 $__________

Class A3 $__________

Class A4 $__________

Class A5 $__________

Class A6 $__________

Class A7 $__________

Class A8 $__________

Class A9 $__________

Class A10 $__________

Class A11 $__________

Class A12 $__________

Class A13 $__________

Class A14 $__________

Class A15 $__________

Class A16 $__________

Class A17 $__________

Class A18 $__________

Class A19 $__________

Class PO $__________

Class M $__________

Class B1 $__________

Class B2 $__________

Class B3 $__________

Class B4 $__________

Class B5 $__________

Class R $__________

B. Other Amounts:

1. Senior Percentage for such Distribution Date: _____________%

2. Senior Prepayment Percentage for such Distribution Date: _____________%

3. Junior Percentage for such Distribution Date: _____________%

4. Junior Prepayment Percentage for such Distribution Date: _____________%

5. Class A17 Percentage for such Distribution Date: _____________%

6. Class A17 Distribution Percentage for such Distribution Date: _____________%

7. Subordinate Certificate Writedown Amount for such Distribution Date: $_____________

8. Prepayment Distribution Triggers satisfied: Yes No

Class B1 _____ _____

Class B2 _____ _____

Class B3 _____ _____

Class B4 _____ _____

Class B5 _____ _____

9. Servicing Fee: $_____________

Capitalized terms used in this Certificate shall have the same meanings as in the Agreement.

EXHIBIT E

FORM OF TRANSFER CERTIFICATE AS TO ERISA MATTERS FOR

DEFINITIVE ERISA-RESTRICTED CERTIFICATES

State Street Bank and Trust Company

Corporate Trust Department

225 Franklin Street

Boston, Massachusetts 02110

[NAME OF OFFICER] ______________________ hereby certifies that:

1. That he [she] is [title of officer] ___________________________________ of [name of Investor] _______________________________________ (the "Investor"), a __________ ______________________ [description of type of entity] duly organized and existing under the laws of the [State of ____________] [United States], on behalf of which he [she] makes this affidavit.

2. The Investor (i) is not, and on ________________ [insert date of transfer of Certificate to Investor] will not be, and on such date will not be investing the assets of, an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or a plan subject to Section 4975 of the Code or (ii) is an insurance company investing assets of its general account and the exemptions provided by Section III(a) of Department of Labor Prohibited Transaction Class Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemptions") apply to the Investor's acquisition and holding of any ERISA-Restricted Certificate. All capitalized terms used and not defined in this certificate shall have the meanings ascribed thereto in the Agreement referred to in paragraph 3 hereof.

3. The Investor hereby acknowledges that under the terms of the Pooling and Servicing Agreement (the "Agreement") between State Street Bank and Trust Company, as Trustee and GE Capital Mortgage Services, Inc., dated as of November 1, 1999, no transfer of any ERISA-Restricted Certificate shall be permitted to be made to any Person unless the Trustee has received (i) a certificate from such transferee to the effect that (x) such transferee is not an employee benefit plan subject to ERISA or a plan subject to Section 4975 of the Code (a "Plan") or a Person that is using the assets of a Plan to acquire any such Certificate or (y) such transferee is an insurance company investing assets of its general account and the Exemptions apply to such transferee's acquisition and holding of any such Certificate or (ii) an opinion of counsel satisfactory to the Trustee and the Company to the effect that the purchase and holding of any such Certificate will not constitute or result in the assets of the Trust Fund created by the Agreement being deemed to be "plan assets" subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement (provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of any such Certificate by a Plan or a Person that is purchasing or holding any such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975 of the Code).

[4. The ERISA-Restricted Certificates shall be registered in the name of ______________________________________________ as nominee for the Investor.]

IN WITNESS WHEREOF, the Investor has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its [title of officer] __________________ and its corporate seal to be hereunder attached, attested by its [Assistant] Secretary, this ____ day of _________, ____.

_______________________________________

[name of Investor]

By:____________________________________

Name:

Title:

The undersigned hereby

acknowledges that it is holding

and will hold the ERISA-Restricted

Certificates at the exclusive

direction of and as nominee of

the Investor named above.

_______________________________

[name of nominee]

By:____________________________

Name:

Title:

EXHIBIT F

FORM OF RESIDUAL CERTIFICATE TRANSFEREE AFFIDAVIT

STATE OF )

) ss.:

COUNTY OF )

[NAME OF OFFICER], _________________ being first duly sworn, deposes and says:

1. That he [she] is [title of officer] ________________________ of [name of Purchaser] _________________________________________ (the "Purchaser"), a _________________ ____________________ [description of type of entity] duly organized and existing under the laws of the [State of __________] [United States], on behalf of which he [she] makes this affidavit.

2. That the Purchaser's Taxpayer Identification Number is [ ].

3. That the Purchaser is not a "disqualified organization" within the meaning of Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended (the "Code") and will not be a "disqualified organization" as of ______________ [insert date of transfer of Residual Certificate to Purchaser], and that the Purchaser is not acquiring a Residual Certificate (as defined below) for the account of, or as agent (including a broker, nominee, or other middleman) for, any person or entity from which it has not received an affidavit substantially in the form of this affidavit. For these purposes, a "disqualified organization" means the United States, any state or political subdivision thereof, any foreign government, any international organization, any agency or instrumentality of any of the foregoing (other than an instrumentality if all of its activities are subject to tax and a majority of its board of directors is not selected by such governmental entity), any cooperative organization furnishing electric energy or providing telephone service to persons in rural areas as described in Code Section 1381(a)(2)(C), or any organization (other than a farmers' cooperative described in Code Section 521) that is exempt from federal income tax unless such organization is subject to the tax on unrelated business income imposed by Code Section 511. As used herein, "Residual Certificate" means any Certificate designated as a "Class R Certificate" of GE Capital Mortgage Services, Inc.'s REMIC Mortgage Pass-Through Certificates, Series 1999-20.

4. That the Purchaser is not, and on _____________ [insert date of transfer of Residual Certificate to Purchaser] will not be, and is not and on such date will not be investing the assets of, an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or a plan subject to Code Section 4975 or a person or entity that is using the assets of any employee benefit plan or other plan to acquire a Residual Certificate.

5. That the Purchaser hereby acknowledges that under the terms of the Pooling and Servicing Agreement (the "Agreement") between State Street Bank and Trust Company, as Trustee, and GE Capital Mortgage Services, Inc., dated as of November 1, 1999, no transfer of the Residual Certificates shall be permitted to be made to any person unless the Trustee has received a certificate from such transferee to the effect that such transferee is not an employee benefit plan subject to ERISA or a plan subject to Section 4975 of the Code and is not using the assets of any employee benefit plan or other plan to acquire Residual Certificates.

6. That the Purchaser does not hold REMIC residual securities as nominee to facilitate the clearance and settlement of such securities through electronic book-entry changes in accounts of participating organizations (such entity, a "Book-Entry Nominee").

7. That the Purchaser does not have the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to such Residual Certificate.

8. That the Purchaser will not transfer a Residual Certificate to any person or entity (i) as to which the Purchaser has actual knowledge that the requirements set forth in paragraph 3, paragraph 6 or paragraph 10 hereof are not satisfied or that the Purchaser has reason to believe does not satisfy the requirements set forth in paragraph 7 hereof, and (ii) without obtaining from the prospective Purchaser an affidavit substantially in this form and providing to the Trustee a written statement substantially in the form of Exhibit G to the Agreement.

9. That the Purchaser understands that, as the holder of a Residual Certificate, the Purchaser may incur tax liabilities in excess of any cash flows generated by the interest and that it intends to pay taxes associated with holding such Residual Certificate as they become due.

10. That the Purchaser (i) is not a Non-U.S. Person or (ii) is a Non-U.S. Person that holds a Residual Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Trustee with an effective Internal Revenue Service Form 4224 or successor form at the time and in the manner required by the Code or (iii) is a Non-U.S. Person that has delivered to both the transferor and the Trustee an opinion of a nationally recognized tax counsel to the effect that the transfer of such Residual Certificate to it is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of a Residual Certificate will not be disregarded for federal income tax purposes. "Non-U.S. Person" means an individual, corporation, partnership or other person other than (i) a citizen or resident of the United States; (ii) a corporation (or entity treated as a corporation for tax purposes) created or organized in the United States or under the laws of the United States or of any state thereof, including, for this purpose, the District of Columbia; (iii) a partnership (or entity treated as a partnership for tax purposes) organized in the United States or under the laws of the United States or of any state thereof, including, for this purpose, the District of Columbia (unless provided otherwise by future Treasury regulations); (iv) an estate whose income is includible in gross income for United States income tax purposes regardless of its source; or (v) a trust, if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more U.S. Persons have authority to control all substantial decisions of the trust. Notwithstanding the last clause of the preceding sentence, to the extent provided in Treasury regulations, certain trusts in existence on August 20, 1996, and treated as U.S. Persons prior to such date, may elect to continue to be U.S. Persons.

11. That the Purchaser agrees to such amendments of the Pooling and Servicing Agreement as may be required to further effectuate the restrictions on transfer of any Residual Certificate to such a "disqualified organization," an agent thereof, a Book-Entry Nominee, or a person that does not satisfy the requirements of paragraph 7 and paragraph 10 hereof.

12. That the Purchaser consents to the designation of the Company as its agent to act as "tax matters person" of the Trust Fund, pursuant to the Pooling and Servicing Agreement.

IN WITNESS WHEREOF, the Purchaser has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its [title of officer] this _____ day of __________, ____.

_________________________________

[name of Purchaser]

By:______________________________

Name:

Title:

Personally appeared before me the above-named [name of officer] ________________, known or proved to me to be the same person who executed the foregoing instrument and to be the [title of officer] _________________ of the Purchaser, and acknowledged to me that he [she] executed the same as his [her] free act and deed and the free act and deed of the Purchaser.

Subscribed and sworn before me this _____ day of __________, ____.

NOTARY PUBLIC

______________________________

COUNTY OF_____________________

STATE OF______________________

My commission expires the _____ day of __________, ____.

EXHIBIT G

[LETTER FROM TRANSFEROR OF RESIDUAL CERTIFICATE]

___________________

Date

State Street Bank and Trust Company

Corporate Trust Department

225 Franklin Street

8th Floor

Boston, Massachusetts 02110

Re: GE Capital Mortgage Services, Inc.

REMIC Mortgage Pass-Through

Certificates, Series 1999-20

Ladies and Gentlemen:

_______________________ (the "Transferor") has reviewed the attached affidavit of _____________________________ (the "Transferee"), and has no actual knowledge that such affidavit is not true and has no reason to believe that the information contained in paragraph 7 thereof is not true, and has no reason to believe that the Transferee has the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to a Residual Certificate. In addition, the Transferor has conducted a reasonable investigation at the time of the transfer and found that the Transferee had historically paid its debts as they came due and found no significant evidence to indicate that the Transferee will not continue to pay its debts as they become due.

Very truly yours,

_______________________________

Name:

Title:

EXHIBIT H

ADDITIONAL SERVICER COMPENSATION

QUALIFIED ADMINISTRATIVE EXPENSES

(Conventional, Non-Conforming Loans)

Assumption Fees $550 - $800

Late Charges Per Loan Documents

Appraisal/Inspection Fees Reasonable and Customary Charges

Partial Release Fees $300

Easements $150

Insufficient Funds Charges $15

Document Requests (copies of loan file

documents, additional pay-off quotations,

amortization schedules, payment histories) $0

Modification Fees Reasonable and Customary Charges

EXHIBIT I

FORM OF INVESTMENT LETTER FOR

DEFINITIVE RESTRICTED CERTIFICATES

_____________________

Date

State Street Bank and Trust Company

Corporate Trust Department

225 Franklin Street

8th Floor

Boston, Massachusetts 02110

Re: GE Capital Mortgage Services, Inc.

REMIC Mortgage Pass Through

Certificates, Series 1999-20

Ladies and Gentlemen:

1. The undersigned, a [title of officer] _______________ of [name of Investor] _________________________________________ (the "Investor"), a ______________ ___________________ [description of type of entity] duly organized and existing under the laws of the [State of __________________] [United States], hereby certifies as follows:

2. The Investor hereby acknowledges that under the terms of the Pooling and Servicing Agreement between State Street Bank and Trust Company, as Trustee, and GE Capital Mortgage Services, Inc. (the "Company"), dated as of November 1, 1999 (the "Agreement"), no transfer of a Restricted Certificate may be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act"), and any applicable state securities laws, or is made in accordance with the Securities Act and such laws.

3. The Investor understands that (a) the Restricted Certificates have not been and will not be registered or qualified under the Securities Act, or the securities laws of any state, (b) neither the Company nor the Trustee is required, and neither intends, to so register or qualify the Restricted Certificates, (c) the Restricted Certificates cannot be resold unless (i) they are registered and qualified under the Securities Act and the applicable state securities laws or (ii) such sale is exempt from the requirements of the Securities Act, (d) the Agreement contains restrictions regarding the transfer of the Restricted Certificates and (e) the Restricted Certificates will bear a legend to the foregoing effect.

4. The Investor is acquiring the Restricted Certificates for its own account for investment only and not with a view to or for sale or other transfer in connection with any distribution of the Restricted Certificates in any manner that would violate the Securities Act or any applicable state securities laws.

5. The Investor (a) is a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters, and in particular in such matters related to securities similar to the Restricted Certificates, such that it is capable of evaluating the merits and risks of investment in the Restricted Certificates, (b) is able to bear the economic risks of such an investment and (c) is an "accredited investor" within the meaning of Rule 501(a)(1), (2), (3) or (7) promulgated pursuant to the Securities Act.

6. The Investor will not authorize nor has it authorized any person to (a) offer, pledge, sell, dispose of or otherwise transfer any Restricted Certificate, any interest in any Restricted Certificate or any other similar security to any person in any manner, (b) solicit any offer to buy or to accept a pledge, disposition or other transfer of any Restricted Certificate, any interest in any Restricted Certificate or any other similar security from any person in any manner, (c) otherwise approach or negotiate with respect to any Restricted Certificate, any interest in any Restricted Certificate or any other similar security with any person in any manner, (d) make any general solicitation by means of general advertising or in any other manner, or (e) take any other action that would constitute a distribution of any Restricted Certificate under the Securities Act, that would render the disposition of any Restricted Certificate a violation of Section 5 of the Securities Act or any state securities law, or that could require registration or qualification pursuant thereto. Neither the Investor nor anyone acting on its behalf has offered the Restricted Certificates for sale or made any general solicitation by means of general advertising or in any other manner with respect to the Restricted Certificates. The Investor will not sell or otherwise transfer any of the Restricted Certificates, except in compliance with the provisions of the Agreement.

7. If an Investor in a Restricted Certificate sells or otherwise transfers any such Certificate to a transferee other than a "qualified institutional buyer" under Rule 144A of the Securities Act, such Investor will obtain (a) from any subsequent purchaser the same certifications, representations, warranties and covenants contained in the foregoing paragraphs and in this paragraph or (b) an opinion of counsel in form and substance satisfactory to the Trustee pursuant to the Agreement.

8. The Investor hereby indemnifies the Trustee and the Company against any liability that may result if the Investor's transfer of a Restricted Certificate (or any portion thereof) is not exempt from the registration requirements of the Securities Act and any applicable state securities laws or is not made in accordance with such federal and state laws. Such indemnification of the Trustee and the Company shall survive the termination of the Agreement.

[9. The Restricted Certificates shall be registered in the name of _____________________________ as nominee for the Investor.]

_________________________________

[name of Investor]

By:______________________________

Name:

Title:

The undersigned hereby

acknowledges that it is holding

and will hold the Restricted

Certificates at the exclusive

direction of and as nominee

of the Investor named above.

______________________________

[name of nominee]

By:__________________________

Name:

Title:

EXHIBIT J

FORM OF DISTRIBUTION DATE STATEMENT

_________________, ______

(month) (year)

GE CAPITAL MORTGAGE SERVICES, INC.

REMIC Mortgage Pass-Through Certificates,

Series 1999-20

With respect to the Agreement and as of the Determination Date for this month:

The amounts below are for a Single Certificate of $1,000:

(1) Amount of distribution allocable to principal:

Class A1 $__________

Class A2 $__________

Class A3 $__________

Class A4 $__________

Class A5 $__________

Class A6 $__________

Class A7 $__________

Class A8 $__________

Class A9 $__________

Class A10 $__________

Class A11 $__________

Class A12 $__________

Class A13 $__________

Class A14 $__________

Class A15 $__________

Class A16 $__________

Class A17 $__________

Class A18 $__________

Class A19 $__________

Class PO $__________

Class M $__________

Class B1 $__________

Class B2 $__________

Class B3 $__________

Class B4 $__________

Class B5 $__________

Class R $__________

(2) Aggregate principal prepayments included in distribution:

Class A1 $__________

Class A2 $__________

Class A3 $__________

Class A4 $__________

Class A5 $__________

Class A6 $__________

Class A7 $__________

Class A8 $__________

Class A9 $__________

Class A10 $__________

Class A11 $__________

Class A12 $__________

Class A13 $__________

Class A14 $__________

Class A15 $__________

Class A16 $__________

Class A17 $__________

Class A18 $__________

Class A19 $__________

Class PO $__________

Class M $__________

Class B1 $__________

Class B2 $__________

Class B3 $__________

Class B4 $__________

Class B5 $__________

Class R $__________

(3) Amount of distribution allocable to interest; Pay-out Rate:

Class A1 $__________ ____%

Class A3 $__________ ____%

Class A4 $__________ ____%

Class A5 $__________ ____%

Class A6 $__________ ____%

Class A7 $__________ ____%

Class A8 $__________ ____%

Class A9 $__________ ____%

Class A10 $__________ ____%

Class A11 $__________ ____%

Class A12 $__________ ____%

Class A13 $__________ ____%

Class A14 $__________ ____%

Class A15 $__________ ____%

Class A16 $__________ ____%

Class A17 $__________ ____%

Class A18 $__________ ____%

Class A19 $__________ ____%

Class M $__________ ____%

Class B1 $__________ ____%

Class B2 $__________ ____%

Class B3 $__________ ____%

Class B4 $__________ ____%

Class B5 $__________ ____%

Class R $__________ ____%

Class S $__________ ____%

(4) Accrual Amount:

N/A

(5) Amount of distribution allocable to Unanticipated Recoveries:

Class A1 $__________ ____%

Class A2 $__________ ____%

Class A3 $__________ ____%

Class A4 $__________ ____%

Class A5 $__________ ____%

Class A6 $__________ ____%

Class A7 $__________ ____%

Class A8 $__________ ____%

Class A9 $__________ ____%

Class A10 $__________ ____%

Class A11 $__________ ____%

Class A12 $__________ ____%

Class A13 $__________ ____%

Class A14 $__________ ____%

Class A15 $__________ ____%

Class A16 $__________ ____%

Class A17 $__________ ____%

Class A18 $__________ ____%

Class A19 $__________ ____%

Class PO $__________ ____%

Class M $__________ ____%

Class B1 $__________ ____%

Class B2 $__________ ____%

Class B3 $__________ ____%

Class B4 $__________ ____%

Class B5 $__________ ____%

Class R $__________ ____%

(6) Servicing Compensation: $__________

The amounts below are for the aggregate of all Certificates:

(7) Pool Scheduled Principal Balance; number of Mortgage Loans: $__________ __________

(8) Class Certificate Principal Balance (or Notional Principal Balance) of each Class; Certificate Principal Balance (or Notional Principal Balance) of Single Certificate of each Class:

Class

Balance

Single
Certificate
Balance

Class A1 $__________ $__________

Class A2 $__________ $__________

Class A3 $__________ $__________

Class A4 $__________ $__________

Class A5 $__________ $__________

Class A6 $__________ $__________

Class A7 $__________ $__________

Class A8 $__________ $__________

Class A9 $__________ $__________

Class A10 $__________ $__________

Class A11 $__________ $__________

Class A12 $__________ $__________

Class A13 $__________ $__________

Class A14 $__________ $__________

Class A15 $__________ $__________

Class A16 $__________ $__________

Class A17 $__________ $__________

Class A18 $__________ $__________

Class A19 $__________ $__________

Class PO $__________ $__________

Class M $__________ $__________

Class B1 $__________ $__________

Class B2 $__________ $__________

Class B3 $__________ $__________

Class B4 $__________ $__________

Class B5 $__________ $__________

Class R $__________ $__________

Class S $__________ $__________

(9) Book value of real estate acquired on behalf of Certificateholders; number of related Mortgage Loans: $__________ __________

(10) Aggregate Scheduled Principal Balance and number of delinquent Mortgage Loans:

30-59 days delinquent $__________ __________

60-89 days delinquent $__________ __________

90 or more days delinquent $__________ __________

In foreclosure $__________ __________

(11) Aggregate Scheduled Principal Balance and number of replaced Mortgage Loans: $__________ __________

(12) Certificate Interest Rate of:

Class S Certificate: __________%

(13) Senior Percentage for such Distribution Date: __________%

(14) Senior Prepayment Percentage for such Distribution Date: __________%

(15) Class A17 Percentage for such Distribution Date: __________%

(16) Class A17 Distribution Percentage for such Distribution Date: __________%

(17) Junior Percentage for such Distribution Date: __________%

(18) Junior Prepayment Percentage for such Distribution Date: __________%

Capitalized terms used in this Statement shall have the same meanings as in the Agreement.

EXHIBIT K

FORM OF SPECIAL SERVICING

AND COLLATERAL FUND AGREEMENT

This SPECIAL SERVICING AND COLLATERAL FUND AGREEMENT (the "Agreement") is made and entered into as of ____________________, ____, between GE Capital Mortgage Services, Inc. (the "Company") and _____________________________ (the "Purchaser").

PRELIMINARY STATEMENT

___________________________ or an affiliate thereof is the holder of the entire interest in REMIC Mortgage Pass-Through Certificates, Series 199_-__, Class B_ (the "Class B_ Certificates"). The Class B_ Certificates were issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of ________ 1, 199_ between the Company (in its capacity as servicer thereunder, the "Servicer") and State Street Bank and Trust Company as Trustee.

____________________________ or an affiliate thereof intends to resell all of the Class B_ Certificates directly to the Purchaser on or promptly after the date hereof.

In connection with such sale, the parties hereto have agreed that the Company, as Servicer, will engage in certain special servicing procedures relating to foreclosures for the benefit of the Purchaser, and that the Purchaser will deposit funds in a collateral fund to cover any losses attributable to such procedures as well as all advances and costs in connection therewith, as set forth herein.

[The parties hereto have further agreed that the Purchaser will have no rights, and the Company will have no obligations under this Agreement until the Class Certificate Principal Balance of the REMIC Mortgage Pass-Through Certificates, Series 199_-__, Class B5 (the "Class B5 Certificates") has been reduced to zero, and any Special Servicing and Collateral Fund Agreement in respect of such Class between the Company and the Purchaser has been terminated.]

In consideration of the mutual agreements herein contained, the receipt and sufficiency of which are hereby acknowledged, the Company and the Purchaser agree that the following provisions shall become effective and shall be binding on and enforceable by the Company and the Purchaser upon the acquisition by the Purchaser 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 of (ii) a day on which banking institutions in New York City or Boston, Massachusetts are required or authorized by law or executive order to be closed.

Collateral Fund: The fund established and maintained pursuant to Section 3.01 hereof.

Collateral Fund Permitted Investments: Either (i) obligations of, or obligations fully guaranteed as to principal and interest by, the United States, or any agency or instrumentality thereof, provided such obligations are backed by the full faith and credit of the United States, (ii) repurchase agreements on obligations specified in clause (i) provided that the unsecured obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in the highest long-term rating category, (iii) federal funds, certificates of deposit, time deposits and banker's acceptances of any U.S. depository institution or trust company incorporated under the laws of the United States or any state provided that the debt obligations of such depository institution or trust company at the date of acquisition thereof have been rated by each Rating Agency in the highest long-term rating category, (iv) commercial paper of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has the highest short term rating of each Rating Agency, and (v) other obligations or securities that are acceptable to each Rating Agency as a Collateral Fund Permitted Investment hereunder and will not, as evidenced in writing, result in a reduction or withdrawal in the then current rating of the Certificates and, for each of the preceding clauses, the maturity thereof shall be not later than the earlier to occur of (A) 30 days from the date of the related investment and (B) the Business Day preceding the next succeeding Distribution Date.

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, but not including in either case (x) any notice of default, notice of intent to foreclose or sell or any other action prerequisite to the actions specified in (i) or (ii) above and, upon the consent of the Purchaser which will be deemed given unless expressly withheld within two Business Days of notification, (y) the acceptance of a deed-in-lieu of foreclosure (whether in connection with a sale of the related property or otherwise) or (z) initiation and completion of a short pay-off.

Current Appraisal: With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, an appraisal of the related Mortgaged Property obtained by the Purchaser as nearly contemporaneously as practicable to the time of the Purchaser's election, prepared based on the Company's customary requirements for such appraisals.

Election to Delay Foreclosure: Any election by the Purchaser to delay the Commencement of Foreclosure, made in accordance with Section 2.02(b).

Election to Foreclose: Any election by the Purchaser to proceed with the Commencement of Foreclosure, made in accordance with Section 2.03(a).

Required Collateral Fund Balance: As of any date of determination, an amount equal to the aggregate of all amounts previously required to be deposited in the Collateral Fund pursuant to Section 2.02(d) (after adjustments for all withdrawals and deposits prior to such date pursuant to Section 2.02(e)) and Section 2.03(b) (after adjustment for all withdrawals and deposits prior to such date pursuant to Section 2.03(c)) and Section 3.02, reduced by all withdrawals therefrom prior to such date pursuant to Section 2.02(g) and Section 2.03(d).

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 Agreement.

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 Company as Servicer shall provide to the Purchaser the following notices and reports:

(i) Within five Business Days after each Distribution Date (or included in or with the monthly statements to Certificateholders pursuant to the Pooling and Servicing Agreement), the Company, as Servicer, shall provide to the Purchaser a report, using the same methodology and calculations in its standard servicing reports, indicating for the Trust Fund the number of Mortgage Loans that are (A) thirty days, (B) sixty days, (C) ninety days or more delinquent or (D) in foreclosure, and indicating for each such Mortgage Loan the loan number and outstanding principal balance.

(ii) Prior to the Commencement of Foreclosure in connection with any Mortgage Loan, the Company shall provide the Purchaser with a notice (sent by facsimile transmission) of such proposed and imminent foreclosure, stating the loan number and the aggregate amount owing under the Mortgage Loan. Such notice may be provided to the Purchaser in the form of a copy of a referral letter from the Company to an attorney requesting the institution of foreclosure or a copy of a request to foreclose received by the Company from the related primary servicer which has been approved by the Company.

(b) If requested by the Purchaser, the Company shall make its servicing personnel available (during their normal business hours) to respond to reasonable inquiries, in writing by facsimile transmission, by the Purchaser in connection with any Mortgage Loan identified in a report under subsection (a)(i) or (a)(ii) which has been given to the Purchaser, provided, that (1) the Company shall only be required to provide information that is readily accessible to its servicing personnel and is non-confidential and (2) the Company shall respond within five Business Days orally or in writing by facsimile transmission.

(c) In addition to the foregoing, the Company shall provide to the Purchaser such information as the Purchaser may reasonably request concerning each Mortgage Loan that is at least sixty days delinquent and each Mortgage Loan which has become real estate owned, through the final liquidation thereof, provided, that the Company shall only be required to provide information that is readily accessible to its servicing personnel and is non-confidential.

Section 2.02. Purchaser's Election to Delay Foreclosure Proceedings.

(a) The Purchaser shall be deemed to direct the Company that in the event that the Company does not receive written notice of the Purchaser's election pursuant to subsection (b) below within 24 hours (exclusive of any intervening non-Business Days) of transmission of the notice provided by the Company under Section 2.01(a)(ii) subject to extension as set forth in Section 2.02(b), the Company may proceed with the Commencement of Foreclosure in respect of such Mortgage Loan in accordance with its normal foreclosure policies without further notice to the Purchaser. Any foreclosure that has been initiated may be discontinued (i) without notice to the Purchaser if the Mortgage Loan has been brought current or if a refinancing or prepayment occurs with respect to the Mortgage Loan (including by means of a short payoff approved by the Company) or (ii) with notice to the Purchaser if the Company has reached the terms of a forbearance agreement with the borrower. In such latter case the Company may complete such forbearance agreement unless instructed otherwise by the Purchaser within two Business Days of notification.

(b) In connection with any Mortgage Loan with respect to which a notice under Section 2.01(a)(ii) has been given to the Purchaser, the Purchaser may elect to instruct the Company to delay the Commencement of Foreclosure until such time as the Purchaser determines that the Company may proceed with the Commencement of Foreclosure. Such election must be evidenced by written notice received within 24 hours (exclusive of any intervening non-Business Days) of transmission of the notice provided by the Company under Section 2.01(a)(ii). The Purchaser shall send a copy of such notice of election to each Rating Agency as soon as practicable thereafter. Such 24-hour period shall be extended for no longer than an additional four Business Days after the receipt of the information if the Purchaser requests additional information related to such foreclosure within such 24-hour period; provided, however, that the Purchaser will have at least one Business Day to make such election following its receipt of any requested additional information. Any such additional information shall (i) not be confidential in nature and (ii) be obtainable by the Company from existing reports, certificates or statements or otherwise be readily accessible to its servicing personnel. The Purchaser agrees that it has no right to deal with the mortgagor. However, if the Company's normal foreclosure policies include acceptance of a deed-in-lieu of foreclosure or short payoff, the Purchaser will be notified and given two Business Days to respond.

(c) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the Purchaser shall obtain a Current Appraisal as soon as practicable, and shall provide the Company with a copy of such Current Appraisal.

(d) Within two Business Days of making any Election to Delay Foreclosure, the Purchaser shall remit by wire transfer to the Trustee, for deposit in the Collateral Fund, an amount, as calculated by the Company, equal to the sum of (i) 125% of the greater of the Scheduled Principal Balance of the Mortgage Loan and the value shown in the Current Appraisal referred to in subsection (c) above (or, if such Current Appraisal has not yet been obtained, the Company's estimate thereof, in which case the required deposit under this subsection shall be adjusted upon obtaining such Current Appraisal), and (ii) three months' interest on the Mortgage Loan at the applicable Mortgage Rate. If any Election to Delay Foreclosure extends for a period in excess of three months (such excess period being referred to herein as the "Excess Period"), the Purchaser shall remit by wire transfer in advance to the Trustee for deposit in the Collateral Fund the amount of each additional month's interest, as calculated by the Company, equal to interest on the Mortgage Loan at the applicable Mortgage Rate for the Excess Period. The terms of this Agreement will no longer apply to the servicing of any Mortgage Loan upon the failure of the Purchaser to deposit the above amounts relating to the Mortgage Loan within two Business Days of (i) the Election to Delay Foreclosure or (ii) the beginning of the related Excess Period, as the case may be.

(e) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the Company or the Trustee may withdraw from the Collateral Fund from time to time amounts necessary to reimburse the Company for all related Monthly Advances and Liquidation Expenses thereafter made by the Company as Servicer in accordance with the Pooling and Servicing Agreement. To the extent that the amount of any such Liquidation Expense is determined by the Company based on estimated costs, and the actual costs are subsequently determined to be higher, the Company or the Trustee may withdraw the additional amount from the Collateral Fund to reimburse the Company. In the event that the Mortgage Loan is brought current by the mortgagor, the amounts so withdrawn from the Collateral Fund shall be redeposited therein as and to the extent that reimbursement therefor from amounts paid by the mortgagor is not prohibited pursuant to the Pooling and Servicing Agreement as of the date hereof. Except as provided in the preceding sentence, amounts withdrawn from the Collateral Fund to cover Monthly Advances and Liquidation Expenses shall not be redeposited therein or otherwise reimbursed to the Purchaser. If and when any such Mortgage Loan is brought current by the mortgagor, all amounts remaining in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all previous withdrawals and deposits pursuant to this subsection and after reimbursement to the Servicer for all related Monthly Advances) shall be released to the Purchaser.

(f) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the Company shall continue to service the Mortgage Loan in accordance with its customary procedures (other than the delay in Commencement of Foreclosure as provided herein). If and when, following such election, the Purchaser shall notify the Company that it believes that it is appropriate to do so, the Company shall proceed with the Commencement of Foreclosure; provided that, in any event, if the Mortgage Loan is not brought current by the mortgagor by the time the loan becomes 6 months delinquent, the Purchaser's election shall no longer be effective, unless the Purchaser shall have purchased the related Mortgage Loan promptly following (and in any event not later than the third Business Day after) the end of such 6-month period in the manner provided in the following two sentences, and the Company shall be entitled to proceed with the Commencement of Foreclosure. Any purchase of such Mortgage Loan by the Purchaser pursuant to the preceding sentence shall be at a purchase price equal to the unpaid principal balance of the Mortgage Loan plus accrued interest at the Mortgage Rate from the date last paid by the mortgagor. Such purchase price shall be deposited by the Purchaser into the Collateral Fund in immediately available funds on the Business Day which is the date of purchase and the Purchaser shall instruct the Trustee (with notice to the Company) to withdraw such amount therefrom on such Business Day and remit the same to the Trust Fund for application as Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. Following such withdrawal, all amounts remaining in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all previous withdrawals and deposits pursuant to this Agreement and after reimbursement to the Servicer for all related Monthly Advances) shall be released to the Purchaser.

(g) Upon the occurrence of a liquidation with respect to any Mortgage Loan as to which the Purchaser made an Election to Delay Foreclosure and as to which the Company proceeded with the Commencement of Foreclosure in accordance with subsection (f) above, the Company shall calculate the amount, if any, by which the value shown on the Current Appraisal obtained under subsection (c) exceeds the actual sales price obtained for the related Mortgaged Property (net of Liquidation Expenses and unreimbursed Monthly Advances related to the extended foreclosure period), and the Company or the Trustee shall withdraw the amount of such excess from the Collateral Fund and shall remit the same to the Trust Fund for application as additional Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. After making such withdrawal, all amounts remaining in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all withdrawals and deposits pursuant to subsection (e) and after reimbursement to the Servicer for all related Monthly Advances) shall be released to the Purchaser.

Section 2.03. Purchaser's Election to Commence Foreclosure Proceedings.

(a) In connection with any Mortgage Loan identified in a report under Section 2.01(a)(i)(B), the Purchaser may elect to instruct the Company to proceed with the Commencement of Foreclosure as soon as practicable. Such election must be evidenced by written notice received by the Company by 5:00 p.m., New York City time, on the third Business Day following the delivery of such report under Section 2.01(a)(i).

(b) Within two Business Days of making any Election to Foreclose, the Purchaser shall remit to the Trustee, for deposit in the Collateral Fund, an amount, as calculated by the Company, equal to 125% of the current Scheduled Principal Balance of the Mortgage Loan and three months' interest on the Mortgage Loan at the applicable Mortgage Rate. If and when any such Mortgage Loan is brought current by the mortgagor, all amounts in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all withdrawals and deposits pursuant to subsection (c) below) shall be released to the Purchaser. The terms of this Agreement will no longer apply to the servicing of any Mortgage Loan upon the failure of the Purchaser to deposit the above amounts relating to the Mortgage Loan within two Business Days of the Election to Foreclose.

(c) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Foreclose, the Company shall continue to service the Mortgage Loan in accordance with its customary procedures. In connection therewith, the Company shall have the same rights to make withdrawals for Monthly Advances and Liquidation Expenses from the Collateral Fund as are provided under Section 2.02(e), and the Company shall make reimbursements thereto to the limited extent provided under such subsection. The Company shall not be required to proceed with the Commencement of Foreclosure if (i) the same is stayed as a result of the mortgagor's bankruptcy or is otherwise barred by applicable law, or to the extent that all legal conditions precedent thereto have not yet been complied with, or (ii) the Company believes there is a breach of representations or warranties by the Company, which may result in a repurchase or substitution of such Mortgage Loan, or (iii) the Company has or expects to have the right under the Pooling and Servicing Agreement to purchase the defaulted Mortgage Loan and intends to exercise such right or (iv) the Company reasonably believes the Mortgaged Property may be contaminated with or affected by hazardous wastes or hazardous substances (and the Company supplies the Purchaser with information supporting such belief) or (v) the same is prohibited by or is otherwise inconsistent with the provisions of the Pooling and Servicing Agreement. Any foreclosure that has been initiated may be discontinued (i) without notice to the Purchaser if the Mortgage Loan has been brought current or if a refinancing or prepayment occurs with respect to the Mortgage Loan (including by means of a short payoff approved by the Purchaser) or (ii) with notice to the Purchaser if the Company has reached the terms of a forbearance agreement unless instructed otherwise by the Purchaser within two Business Days of notification.

(d) Upon the occurrence of a liquidation with respect to any Mortgage Loan as to which the Purchaser made an Election to Foreclose and as to which the Company proceeded with the Commencement of Foreclosure in accordance with subsection (c) above, the Company shall calculate the amount, if any, by which the Scheduled Principal Balance of the Mortgage Loan at the time of liquidation (plus all unreimbursed Monthly Advances and Liquidation Expenses in connection therewith other than those previously paid from the Collateral Fund) exceeds the actual sales price obtained for the related Mortgaged Property, and the Company or the Trustee shall withdraw the amount of such excess from the Collateral Fund and shall remit the same to the Trust Fund for application as additional Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. After making such withdrawal, all amounts remaining in the Collateral Fund (after adjustment for all withdrawals and deposits pursuant to subsection (c) above and after reimbursement to the Servicer for all related Monthly Advances) in respect of such Mortgage Loan shall be released to the Purchaser.

Section 2.04. Termination.

(a) With respect to all Mortgage Loans included in the Trust Fund, the Purchaser's right to make any Election to Delay Foreclosure or any Election to Foreclose and the Company's obligations under Section 2.01 shall terminate on the earliest to occur of the following: (i) at such time as the Class Certificate Principal Balance of the Class B_ Certificates has been reduced to zero, (ii) if the greater of (x) 43% (or such lower or higher percentage that represents the Company's actual loss experience with respect to the Mortgage Loans) of the aggregate principal balance of all Mortgage Loans that are in foreclosure or are more than 90 days delinquent on a contractual basis and the aggregate book value of REO properties or (y) the aggregate amount that the Company estimates through its normal servicing practices will be required to be withdrawn from the Collateral Fund with respect to Mortgage Loans as to which the Purchaser has made an Election to Delay Foreclosure or an Election to Foreclose exceeds (z) the then-current Class Certificate Principal Balance of the Class B_ Certificates, or (iii) upon any transfer by the Purchaser of any interest (other than the minority interest therein, but only if the transferee provides written acknowledgment to the Company of the Purchaser's right hereunder and that such transferee will have no rights hereunder) in the Class B_ Certificates [or in the Class B5 Certificates] (whether or not such transfer is registered under the Pooling and Servicing Agreement), including any such transfer in connection with a termination of the Trust Fund. Unless earlier terminated as set forth herein, this Agreement and the respective rights, obligations and responsibilities of the Purchaser and the Company hereunder shall terminate immediately upon (x) the later to occur of (i) the final liquidation of the last Mortgage Loan as to which the Purchaser made any Election to Delay Foreclosure or any Election to Foreclose and the withdrawal of all remaining amounts in the Collateral Fund as provided herein and (ii) ten (10) Business Days' notice or (y) the occurrence of any event that results in the Purchaser becoming an "affiliate" of the Trustee within the meaning of the Prohibited Transaction Exemption (as defined in the Pooling and Servicing Agreement).

(b) The Purchaser's rights pursuant to Section 2.02 or 2.03 of this Agreement shall terminate with respect to a Mortgage Loan as to which the Purchaser has exercised its rights under Section 2.02 or 2.03 hereof, upon Purchaser's failure to deposit any amounts required pursuant to Section 2.02(d) or 2.03(b) after one Business Day's notice of such failure.

Section 2.05. Notification. The Purchaser shall promptly notify the Trustee and the Company if such Purchaser becomes aware of any discussions, plans or events that might lead to such Person's becoming an "affiliate" (within the meaning of the Prohibited Transaction Exemption) of the Trustee, provided that the contents of any such notification shall be kept confidential by the parties to this Agreement.

ARTICLE III

COLLATERAL FUND; SECURITY INTEREST

Section 3.01. Collateral Fund. Upon payment by the Purchaser of the initial amount required to be deposited in the Collateral Fund pursuant to Article II, the Company shall request the Trustee to establish and maintain with the Trustee a segregated account entitled "REMIC Mortgage Pass-Through Certificates 199_-__ Collateral Fund, for the benefit of GE Capital Mortgage Services, Inc. and State Street Bank and Trust Company on behalf of Certificateholders, as secured parties" (the "Collateral Fund"). Amounts held in the Collateral Fund shall continue to be the property of the Purchaser, subject to the first priority security interest granted hereunder for the benefit of such secured parties, until withdrawn from the Collateral Fund pursuant to the Section 2.02 or 2.03 hereof.

Upon the termination of this Agreement and the liquidation of all Mortgage Loans as to which the Purchaser has made any Election to Delay Foreclosure or any Election to Foreclose pursuant to Section 2.04 hereof, the Company shall distribute to the Purchaser all amounts remaining in the Collateral Fund together with any investment earnings thereon (after giving effect to all withdrawals therefrom permitted under this Agreement).

The Purchaser shall not take or direct the Company or the Trustee to take any action contrary to any provision of the Pooling and Servicing Agreement. In no event shall the Purchaser (i) take or cause the Trustee or the Company to take any action that could cause any REMIC established under the Pooling and Servicing Agreement to fail to qualify as a REMIC or cause the imposition on any such REMIC of any "prohibited transaction" or "prohibited contribution" taxes or (ii) cause the Trustee or the Company to fail to take any action necessary to maintain the status of any such REMIC as a REMIC.

Section 3.02. Collateral Fund Permitted Investments. The Company shall, at the written direction of the Purchaser, direct the Trustee to invest the funds in the Collateral Fund in the name of the Trustee in Collateral Fund Permitted Investments. Such direction shall not be changed more frequently then quarterly. In the absence of any direction, the Company shall direct the Trustee select such investments in accordance with the definition of Collateral Fund Permitted Investments in its discretion.

All income and gain realized from any investment as well as any interest earned on deposits in the Collateral Fund (net of any losses on such investments) and any payments of principal made in respect of any Collateral Fund Permitted Investment shall be deposited in the Collateral Fund upon receipt. All costs and realized losses associated with the purchase and sale of Collateral Fund Permitted Investments shall be borne by the Purchaser and the amount of net realized losses shall be promptly deposited by the Purchaser in the Collateral Fund. The Company shall periodically (but not more frequently than monthly) direct the Trustee to distribute to the Purchaser upon request an amount of cash, to the extent cash is available therefor in the Collateral Fund, equal to the amount by which the balance of the Collateral Fund, after giving effect to all other distributions to be made from the Collateral Fund on such date, exceeds the Required Collateral Fund Balance. Any amounts so distributed shall be released from the lien and security interest of this Agreement.

Section 3.03. Grant of Security Interest. In order to secure the obligations of the Purchaser hereunder to the Company and the Trustee for the benefit of Certificateholders (other than its obligations under Section 4.10), the Purchaser hereby grants to the Company and to the Trustee for the benefit of the Certificateholders a security interest in and lien on all of the Purchaser's right, title and interest, whether now owned or hereafter acquired, in and to: (1) the Collateral Fund, (2) all amounts deposited in the Collateral Fund and Collateral Fund Permitted Investments in which such amounts are invested (and the distributions and proceeds of such investments) and (3) all cash and non-cash proceeds of any of the foregoing, including proceeds of the voluntary or involuntary conversion thereof (all of the foregoing collectively, the "Collateral").

The Purchaser acknowledges the lien on and security interest in the Collateral for the benefit of the Company and the Trustee on behalf of the Certificateholders. The Purchaser shall take all actions requested by the Company or the Trustee as may be reasonably necessary to perfect the security interest created under this Agreement in the Collateral and cause it to be prior to all other security interests and liens, including the execution and delivery to the Company or at its direction the Trustee for filing of appropriate financing statements in accordance with applicable law.

Section 3.04. Collateral Shortfalls. In the event that amounts on deposit in the Collateral Fund at any time are insufficient to cover any withdrawals therefrom that the Company or the Trustee is then entitled to make hereunder, the Purchaser shall be obligated to pay such amounts to the Company or the Trustee immediately upon demand. Such obligation shall constitute a general corporate obligation of the Purchaser. The failure to pay such amounts within two Business Days of such demand (except for amounts to cover interest on a Mortgage Loan pursuant to Sections 2.02(d) and 2.03(b)), shall cause an immediate termination of the Purchaser's right to make any Election to Delay Foreclosure or Election to Foreclose and the Company's obligations under this Agreement with respect to all Mortgage Loans to which such insufficiencies relate, without the necessity of any further notice or demand on the part of the Company.

ARTICLE IV

MISCELLANEOUS PROVISIONS

Section 4.01. Amendment. This Agreement may be amended from time to time by the Company and the Purchaser by written agreement signed by the Company and the Purchaser provided that no such amendment shall have a material adverse effect on the holders of other Classes of Certificates.

Section 4.02. 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 4.03. 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 4.04. Notices. All demands, notices and direction hereunder shall be in writing or by telecopy and shall be deemed effective upon receipt to:

(a) in the case of the Company, with respect to notices pursuant to Sections 2.02 and 2.03 hereto,

GE Capital Mortgage Services, Inc.

4680 Hallmark Parkway

San Bernardino, California 92407

Attention: Ken Scheller

Telephone: (909) 880-4608

Facsimile: (909) 473-2273

with respect to all other notices pursuant to this Agreement,

GE Capital Mortgage Services, Inc.

Three Executive Campus

Cherry Hill, New Jersey 08002

Attention: General Counsel

Telephone: (609) 661-6515

Facsimile: (609) 661-6875

or such other address as may hereafter be furnished in writing by the Company, or

(b) in the case of the Purchaser, with respect to notices pursuant to Section 2.01,

________________________________

Attention:______________________

Telephone:______________________

Facsimile:______________________

with respect to all other notices pursuant to this Agreement,

________________________________

Attention:______________________

Telephone:______________________

Facsimile:______________________

or such other address as may hereafter be furnished in writing by the Purchaser, or

State Street Bank and Trust Company

Corporate Trust Department

8^th Floor

225 Franklin Street

Boston, Massachusetts 02110

Attention: Karen Beard

Telephone: (617) 664-5465

Facsimile: (617) 664-5167

Section 4.05. 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 4.06. Successor and Assigns. The provisions of this Agreement shall be binding upon and inure to the benefit of the parties hereto and the respective successors and assigns of the parties hereto; provided, however, that the rights under this Agreement cannot be assigned by the Purchaser without the consent of the Company.

Section 4.07. 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 4.08. Third Party Beneficiaries. The Trustee on behalf of Certificateholders is the intended third party beneficiary of this Agreement.

Section 4.09. Confidentiality. The Purchaser agrees that all information supplied by or on behalf of the Company pursuant to Section 2.01 or 2.02, including individual account information, is the property of the Company and the Purchaser agrees to use such information solely for the purposes set forth in this Agreement and to hold such information confidential and not to disclose such information.

Section 4.10. Indemnification. The Purchaser agrees to indemnify and hold harmless the Company against any and all losses, claims, damages or liabilities to which it may be subject, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon actions taken by the Company in accordance with the provisions of this Agreement and which actions conflict or are alleged to conflict with the Company's obligations under the Pooling and Servicing Agreement. The Purchaser hereby agrees to reimburse the Company on demand for the reasonable legal or other expenses incurred by it in connection with investigating or defending any such loss, claim, damage, liability or action.

[Section 4.11. Delayed Effectiveness. The Purchaser agrees that, notwithstanding any other provision of this Agreement, the Purchaser shall have no rights hereunder, and the Company shall have no obligations hereunder, until the Class Certificate Principal Balance of the Class B5 Certificates has been reduced to zero and any Special Servicing and Collateral Fund Agreement between the Company and the Purchaser relating to such Class B5 Certificates has been terminated.]

IN WITNESS WHEREOF, the Company and the Purchaser 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.

GE CAPITAL MORTGAGE SERVICES, INC.

By:________________________________

Name:

Title:

[PURCHASER]

By:_______________________________

Name:

Title:

Acknowledged and agreed to:

STATE STREET BANK AND TRUST COMPANY

By:___________________________________

Name:

Title:

EXHIBIT L

FORM OF LOST NOTE AFFIDAVIT AND AGREEMENT

I, _________________________________________, being duly sworn, do hereby state under oath that:

1. I am a duly elected ______________________ of GE Capital Mortgage Services, Inc. (the "Company") and am duly authorized to make this affidavit.

2. This affidavit is being delivered in connection with the transfer of the Mortgage Loan described in Paragraph 3 hereof by the Company pursuant to the Pooling and Servicing Agreement dated as of [date] between the Company, Seller and Servicer, and State Street Bank and Trust Company, Trustee, relating to the Company's REMIC Mortgage Pass-Through Certificates, Series [____] ("Agreement"). Such Mortgage Loan constitutes a Designated Loan.

3. The Company is the payee under the following described Mortgage Note ("Mortgage Note") which evidences the obligation of the borrower(s) to repay the Mortgage Loan:

Loan Number: __________________________________

Mortgage Note Date:_____________________________

Borrower(s): ___________________________________

Original Payee (if not the Company): ___________

Original Amount:________________________________

Mortgage Rate: _________________________________

Address of Mortgaged Property: _________________

________________________________________________

4. The Company is the lawful owner of the Mortgage Note and has not cancelled, altered, assigned or hypothecated the Mortgage Note.

5. A thorough and diligent search for the executed original Mortgage Note was undertaken and was unsuccessful.

6. Attached hereto is a true and correct copy of the Mortgage Note.

7. The Mortgage Note has not been endorsed by the Company in any manner inconsistent with its transfer of the Mortgage Loan under the Agreement.

8. Without limiting the generality of the rights and remedies of the Trustee contained in the Agreement, the Company hereby confirms and agrees that in the event the inability to produce the executed original Mortgage Note results in a breach of the representations and warranties appearing in Agreement subsections 2.03(a)(ii) (the validity and enforceability of the lien created by the Mortgage Loan) or (x) (no valid offset, defense or counterclaim to any Mortgage Note or Mortgage), the Company shall repurchase the Mortgage Loan at the Purchase Price and otherwise in accordance with Section 2.03(b) of the Agreement. In addition, the Company covenants and agrees to indemnify the Trustee and the Trust Fund from and hold them harmless against any and all losses, liabilities, damages, claims or expenses (other than those resulting from negligence or bad faith of the Trustee) arising from the Company's failure to have delivered the Mortgage Note to the Trustee, including without limitation any such losses, liabilities, damages, claims or expenses arising from any action to enforce the indebtedness evidenced by the Mortgage Note or any claim by any third party who is the holder of such indebtedness by virtue of possession of the Mortgage Note.

9. In the event that the Company locates the executed original Mortgage Note, it shall promptly provide the Mortgage Note to the Trustee.

10. Capitalized terms not otherwise defined herein shall have the meanings given them in the Agreement.

Date: _______________________

______________________________

(signature)

______________________________

(print name)

______________________________

(print title)

State of New Jersey )

)ss:

)

On this ____________________day of ___________________, 199__, before me appeared ____________________________, to me personally known, who acknowledged the execution of the foregoing and who, having been duly sworn states that he/she is a/the ______________________________of GE Capital Mortgage Services, Inc., that any representations therein contained are true, that this Lost Note Affidavit was signed and sealed on behalf of GE Capital Mortgage Services, Inc. and that this Lost Note Affidavit is the free act and deed of GE Capital Mortgage Services, Inc.

_______________________________________

(Notary Public)

[Notarial Seal]

EXHIBIT M

SCHEDULE OF DESIGNATED LOANS

SERIES 1999-20

LOAN NO.	ORIGINAL PRINCIPAL BALANCE	BORROWER NAME

#80281264	$260,100.00	D'ALESSANDRO

EXHIBIT N

SCHEDULE OF PLEDGED ASSET MORTGAGE LOANS

NONE

EXHIBIT O

SENIOR PRINCIPAL PRIORITIES

third, to the classes of senior certificates entitled to principal distributions, in reduction of the aggregate class certificate principal balances (the "Class Certificate Principal Balances") thereof, to the extent of remaining Available Funds, concurrently, as follows:

(1) to the Class Al through Class A19 Certificates and the Class R Certificates, the Senior Optimal Principal Amount for such Distribution Date, in the following order of priority:

(a) to the Class A17 Certificates, the Class A17 Principal Distribution Amount (as defined herein) for such Distribution Date, until the Class Certificate Principal Balance thereof has been reduced to zero; and

(b) to each of the Class Al through Class A19 Certificates (other than the Class A17 Certificates) and the Class R Certificates (all of such classes of certificates together, the "Group I Senior Certificates"), the Senior Optimal Principal Amount for such Distribution Date, less the Class A17 Principal Distribution Amount for such Distribution Date (such reduced amount, the "Group I Senior Principal Distribution Amount"), in the following order of priority:

(I) to the Class R Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero;

(II) to the Class Al Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero;

(III) to the Class A18 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero;

(IV) to the Class A19 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; and

(V) to the Class A2 through Class A16 Certificates, concurrently, as follows:

(A) approximately 3.333335119% of the amount distributable under clause (1)(b)(V) to the Class A2 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; and

(B) approximately 96.666664881% of the amount distributable under clause (1)(b)(V) to the Class A3 through Class A16 Certificates, in the following order of priority:

(i) to the Class A3 Certificates, until the Class Certificate Balance thereof has been reduced to zero; and

(ii) to the Class A4 through Class A16 Certificates, concurrently, as follows:

(aa) approximately 5.527865475% of the amount distributable under clause (1)(b)(V)(B)(ii) to the Class A4 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero;

(bb) approximately 20.633048827% of the amount distributable under clause (1)(b)(V)(B)(ii) to the Class A5, Class A6, Class A7 and Class A8 Certificates, in the following order of priority:

1st, pro rata, to the Class A5 and Class A7 Certificates, until the Class Certificate Principal Balance of each such class has been reduced to zero; and

2nd, pro rata, to the Class A6 and Class A8 Certificates, until the Class Certificate Principal Balance of each such class has been reduced to zero;

(cc) approximately 11.055730951% of the amount distributable under clause (1)(b)(V)(B)(ii) to the Class A9, Class A10 and Class A11 Certificates, in the following order of priority:

1st, pro rata, to the Class A9 and Class A10 Certificates, until the Class Certificate Principal Balance of each such class has been reduced to zero; and

2nd, to the Class A11 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; and

(dd) approximately 62.783354747% of the amount distributable under clause (1)(b)(V)(B)(ii) to the Class A12, Class A13, Class A14, Class A15, and Class A16 Certificates, in the following order of priority:

1st, to the Class A12 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero;

2nd, to the Class A13 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; and

3rd, pro rata, to the Class A14, Class A15 and Class A16 Certificates, until the Class Certificate Principal Balance of each such class has been reduced to zero; and

(2) to the Class PO Certificates, the Class PO Principal Distribution Amount for such Distribution Date, until the Class Certificate Principal Balance thereof has been reduced to zero;

EXHIBIT P

SCHEDULE OF CASHSAVER MORTGAGE LOANS

SCHEDULE P

List of Additional Collateral Loans Transferred by

GE Capital Mortgage Services, INC. to

State Street Bank and Trust Company, as Trustee
REMIC Multi-Class Pass-Through Certificates, Series 1999-20

GECMSI

SCHEDULED

ORIGINAL

PLEDGE

NET LTV

LOAN NO.

PRINCIPAL

MORTGAGE

AMOUNT

BALANCE

AMOUNT

0000080020985

$117,443.79

$118,500.00

$0.00

100

0000080025422

$67,741.46

$68,000.00

$0.00

100

0000080034697

$134,250.04

$134,860.00

$0.00

100

0000080041981

$49,807.41

$50,000.00

$0.00

100

0000080047525

$89,592.94

$90,000.00

$0.00

100

0000080051790

$114,380.30

$114,900.00

$0.00

100

0000080069925

$154,396.09

$154,950.00

$0.00

100

0000080069933

$113,139.64

$113,500.00

$0.00

100

0000080071574

$83,629.34

$84,000.00

$0.00

100

0000080073547

$109,586.67

$110,000.00

$0.00

100

0000080087927

$69,622.66

$69,900.00

$0.00

100

0000080096407

$114,712.87

$115,000.00

$0.00

100

0000080108483

$223,294.66

$224,000.00

$0.00

100

0000080135502

$89,826.65

$90,000.00

$0.00

100

0000080144199

$226,368.93

$227,000.00

$0.00

100

0000080145410

$203,083.90

$203,600.00

$0.00

99.953

0000080149123

$94,735.89

$95,000.00

$0.00

100

0000080151269

$83,678.21

$83,900.00

$0.00

100

0000080159718

$92,721.32

$93,000.00

$0.00

100

0000080159767

$55,356.98

$55,500.00

$0.00

100

0000080162621

$66,300.73

$66,500.00

$0.00

100

0000080163314

$119,666.41

$120,000.00

$0.00

100

0000080177033

$124,661.11

$125,000.00

$0.00

100

0000080183429

$99,676.74

$100,000.00

$0.00

100

0000080186919

$138,542.22

$139,000.00

$0.00

100

0000080209174

$220,884.22

$221,500.00

$0.00

100

0000080216765

$209,738.02

$210,000.00

$0.00

100

0000080232168

$129,699.03

$130,000.00

$0.00

100

0000080237993

$78,839.56

$79,000.00

$0.00

100

0000080245400

$98,796.78

$98,930.00

$0.00

100

0000080245582

$85,343.48

$85,500.00

$0.00

100

0000080251812

$69,667.57

$69,900.00

$0.00

100

0000080253040

$198,418.60

$198,700.00

$0.00

100

0000080265846

$94,787.53

$95,000.00

$0.00

100

0000080305808

$113,046.37

$113,184.00

$0.00

100

TOTALS

$4,135,438.12

$4,147,824.00

$0.00

Designation	Initial Class Certificate Principal Balance		Certificate Interest Rate		Minimum Denominations
Class A1		$183,334,505.00		7.25%		$25,000
Class A2		1,804,701.00		0.00%		25,000
Class A3		17,964,986.00		7.50%		1,000
Class A4		1,900,000.00		7.50%		1,000
Class A5		2,823,000.00		7.50%		1,000
Class A6		1,927,100.00		7.50%		1,000
Class A7		1,391,750.00		7.50%		1,000
Class A8		950,000.00		7.50%		1,000
Class A9		1,000,000.00		(1)		1,000
Class A10		900,000.00		7.50%		1,000
Class A11		1,900,000.00		7.50%		1,000
Class A12		7,306,450.00		7.50%		1,000
Class A13		4,408,000.00		7.50%		1,000
Class A14		7,262,014.00		7.50%		1,000
Class A15		1,603,000.00		7.50%		1,000
Class A16		1,000,000.00		(1)		1,000
Class A17		34,355,500.00		7.25%		25,000
Class A18		29,837,494.00		7.25%		1,000
Class A19		24,621,364.00		7.25%		1,000
Class PO		2,664,557.58		0.00%		(2)
Class M		6,527,000.00		7.25%		100,000
Class B1		2,920,000.00		7.25%		100,000
Class B2		1,546,000.00		7.25%		100,000
Class B3		1,718,000.00		7.25%		500,000
Class B4		859,000.00		7.25%		(2)
Class B5		1,031,113.81		7.25%		500,000
Class S		(3)		(3)		(4)
Class R		100.00		7.25%		100

SCHEDULE P
List of Additional Collateral Loans Transferred by
GE Capital Mortgage Services, INC. to
State Street Bank and Trust Company, as Trustee REMIC Multi-Class Pass-Through Certificates, Series 1999-20


GECMSI	SCHEDULED	ORIGINAL	PLEDGE	NET LTV
LOAN NO.	PRINCIPAL	MORTGAGE	AMOUNT
	BALANCE	AMOUNT

0000080020985	$117,443.79	$118,500.00	$0.00	100
0000080025422	$67,741.46	$68,000.00	$0.00	100
0000080034697	$134,250.04	$134,860.00	$0.00	100
0000080041981	$49,807.41	$50,000.00	$0.00	100
0000080047525	$89,592.94	$90,000.00	$0.00	100
0000080051790	$114,380.30	$114,900.00	$0.00	100
0000080069925	$154,396.09	$154,950.00	$0.00	100
0000080069933	$113,139.64	$113,500.00	$0.00	100
0000080071574	$83,629.34	$84,000.00	$0.00	100
0000080073547	$109,586.67	$110,000.00	$0.00	100
0000080087927	$69,622.66	$69,900.00	$0.00	100
0000080096407	$114,712.87	$115,000.00	$0.00	100
0000080108483	$223,294.66	$224,000.00	$0.00	100
0000080135502	$89,826.65	$90,000.00	$0.00	100
0000080144199	$226,368.93	$227,000.00	$0.00	100
0000080145410	$203,083.90	$203,600.00	$0.00	99.953
0000080149123	$94,735.89	$95,000.00	$0.00	100
0000080151269	$83,678.21	$83,900.00	$0.00	100
0000080159718	$92,721.32	$93,000.00	$0.00	100
0000080159767	$55,356.98	$55,500.00	$0.00	100
0000080162621	$66,300.73	$66,500.00	$0.00	100
0000080163314	$119,666.41	$120,000.00	$0.00	100
0000080177033	$124,661.11	$125,000.00	$0.00	100
0000080183429	$99,676.74	$100,000.00	$0.00	100
0000080186919	$138,542.22	$139,000.00	$0.00	100
0000080209174	$220,884.22	$221,500.00	$0.00	100
0000080216765	$209,738.02	$210,000.00	$0.00	100
0000080232168	$129,699.03	$130,000.00	$0.00	100
0000080237993	$78,839.56	$79,000.00	$0.00	100
0000080245400	$98,796.78	$98,930.00	$0.00	100
0000080245582	$85,343.48	$85,500.00	$0.00	100
0000080251812	$69,667.57	$69,900.00	$0.00	100
0000080253040	$198,418.60	$198,700.00	$0.00	100
0000080265846	$94,787.53	$95,000.00	$0.00	100
0000080305808	$113,046.37	$113,184.00	$0.00	100

TOTALS	$4,135,438.12	$4,147,824.00	$0.00