Common use of Transferor Clause in Contracts

Transferor. By: ------------------------------ Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage Loan Trust 2005-1, Asset-Backed Certificates Series 2005-1 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Loan Trust 2005-1, Asset-Backed Certificates Series 2005-1, Class [C][P][R] [R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January 1, 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- Name: Title:

Transferor. By: ------------------------------ -------------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Financial Asset Securities Corp. Select Portfolio Servicing, Inc. Deutsche Bank National Trust Company ▇.▇. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ GreenwichSalt Lake City, Connecticut 06830 Utah 84165-0428 ▇▇▇▇▇ ▇▇▇, ▇▇ ▇▇▇▇▇ Attention: _____________________ Financial Asset Securities Corp. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage First Franklin Mortgage Loan Trust 20052004-1FFH4, Asset-Backed Certificates Series 20052004-1 --------------------------------------- FFH4 --------------------------------------------- Dear Sirs: ________________________ (the "Transferee") intends to acquire from the _______________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage First Franklin Mortgage Loan Trust 20052004-1FFH4, Asset-Backed Certificates Series 20052004-1FFH4, Class [C][P][R] [R-XC][P][R][Dividend Account Certificate] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January December 1, 2005 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage ServicesSelect Portfolio Servicing, Inc. as servicer Servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM OF CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K I, [_____], certify that:

Transferor. By: ------------------------------ ---------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇1▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇S▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage Soundview Home Loan Trust 2005-1A, Asset-Backed Certificates Series 2005-1 A --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Soundview Home Loan Trust 2005-1A, Asset-Backed Certificates Series 2005-1A, Class [C][P][R] [R-XC][P][R[-X]] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January June 1, 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Countrywide Home Loans Servicing LP and GMAC Mortgage Services, Inc. Corporation as servicer servicers (the "ServicerServicers") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer Servicers the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇K▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.C.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- ---------------------------- Name: Title:: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: Soundview Home Loan Trust, Series 2005-A Asset Backed Certificates, Series 2005-A ----------------------------------------

Transferor. By: ------------------------------ ----------------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company Saxon Mortgage Services, Inc. ▇▇▇▇▇ Fargo Bank, N.A. ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ North ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇ ▇▇. ▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 Financial Asset Securities Corp. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage First Franklin Mortgage Loan Trust 20052004-1FFH2, Asset-Backed Certificates Series 20052004-1 --------------------------------------- FFH2 Dear Sirs: ---------------------------------------------------------- _____________ (the "Transferee") intends to acquire from the _______________________ (the "Transferee") intends to acquire from _____________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage First Franklin Mortgage Loan Trust 20052004-1FFH2, Asset-Backed Certificates Series 20052004-1FFH2, Class [C][P][R] [R-XC][P][R][Dividend Account Certificate] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January June 1, 2005 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. as servicer Servicer (the "Servicer") and Deutsche Bank National Trust Company ▇▇▇▇▇ Fargo Bank, N.A. as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K I, [_____], certify that:

Transferor. By: ------------------------------ -------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche ▇▇▇▇▇ Fargo Bank Minnesota, National Trust Company Association ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: Meritage Mortgage Fremont Home Loan Trust 20052003-1A, Asset-Backed Certificates Series 20052003-1 --------------------------------------- A Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Fremont Home Loan Trust 20052003-1A, Asset-Backed Certificates Series 20052003-1A, Class [C][P][R] [R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") , dated as of January August 1, 2005 2003, among Financial Asset Securities Corp. as depositor (the "Depositor")depositor, Saxon Mortgage ServicesFremont Investment & Loan as servicer, Inc. ▇▇▇▇▇ Fargo Bank Minnesota, National Association as master servicer (the "Servicer") and Deutsche trust administrator and HSBC Bank National Trust Company USA, as trustee (the "Trustee"). with respect to Fremont Home Loan Trust 2003-A, Asset-Backed Certificates, Series 2003-A. Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee Trustee, the Trust Administrator, the Servicer and the Master Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3C.F.R. ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇C.F.R. ss. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED TO MASTER SERVICER BY THE SERVICER Re: Fremont Home Loan Trust, Series 2003-A Asset Backed Certificates, Series 2003-A I, [identify the certifying individual], certify to Financial Asset Securities Corp. (the "Depositor"), ▇▇▇▇▇ Fargo Bank Minnesota, National Association ("▇▇▇▇▇ Fargo") and HSBC Bank USA (the "Trustee") and their respective officers, directors and affiliates, and with the knowledge and intent that they will rely upon this certification, that:

Transferor. By: ------------------------------ Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company Option One Mortgage Acceptance ▇▇▇▇▇ Fargo Bank Minnesota, National Corporation Association 3 Ada ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇-▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Option One Mortgage Corporation 3 Ada ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: Meritage Option One Mortgage Loan Trust 20052002-13, Asset-Backed Certificates Series 20052002-1 3 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Option One Mortgage Loan Trust 20052002-13, Asset-Backed Certificates Series 20052002-13, Class [C][P][R] [R-XCE][P][R] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January April 1, 2005 2002 among Financial Asset Securities Corp. Option One Mortgage Acceptance Corporation as depositor (the "Depositor"), Saxon Option One Mortgage Services, Inc. Corporation as master servicer (the "Master Servicer") and Deutsche ▇▇▇▇▇ Fargo Bank Minnesota, National Trust Company Association as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Master Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] ------------------------------- By: --------------------------------------- ---------------------------- Name: Title:: EXHIBIT N [RESERVED] EXHIBIT O FORM OF SUBSEQUENT TRANSFER INSTRUMENT Pursuant to this Subsequent Transfer Instrument, dated ________, 2002 (the "Instrument"), between Option One Mortgage Acceptance Corporation as seller (the "Depositor"), and ▇▇▇▇▇ Fargo Bank Minnesota, National Association as trustee of the Option One Mortgage Loan Trust 2002-3 Asset-Backed Certificates, Series 2002-3, as purchaser (the "Trustee"), and pursuant to the Pooling and Servicing Agreement, dated as of April 1, 2002 (the "Pooling and Servicing Agreement"), among the Depositor as depositor, Option One Mortgage Corporation as master servicer and the Trustee as trustee, the Depositor and the Trustee agree to the sale by the Depositor and the purchase by the Trustee in trust, on behalf of the Trust, of the Mortgage Loans listed on the attached Schedule of Mortgage Loans (the "Subsequent Mortgage Loans"). Capitalized terms used but not otherwise defined herein shall have the meanings set forth in the Pooling and Servicing Agreement.

Transferor. By: ------------------------------ --------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage Loan Trust 2005-12, Asset-Backed Certificates Series 2005-1 2 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Loan Trust 2005-12, Asset-Backed Certificates Series 2005-12, Class [C][P][R] [R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January June 1, 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- ----------------------------- Name: Title:: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: Meritage Mortgage Loan Trust, Series 2005-2 Asset Backed Certificates, Series 2005-2 ---------------------------------------- CERTIFICATION

Transferor. By: ------------------------------ --------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇1▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇S▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Finance America Mortgage Loan Trust 20052003-1, Asset-Backed Certificates Series 20052003-1 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Finance America Mortgage Loan Trust 20052003-1, Asset-Backed Certificates Series 20052003-1, Class [C][P][R] [RC][P][R][R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January November 1, 2005 2003 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. L▇▇▇▇▇ Loan Servicing LP as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇K▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.C.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: Finance America Mortgage Loan Trust, Series 2003-1 Asset Backed Certificates, Series 2003-1 ---------------------------------------- I, [identify the certifying individual], certify that:

Transferor. By: ------------------------------ -------------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Financial Asset Securities Corp. National City Home Loan Services, Inc. Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ [ADDRESS] ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich[CITY], Connecticut 06830 [STATE] [ZIP] ▇▇▇▇▇ ▇▇▇, ▇▇ ▇▇▇▇▇ Attention: _____________________ Financial Asset Securities Corp. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage First Franklin Mortgage Loan Trust 2005-1FF4, AssetASSET-Backed Certificates Series BACKED CERTIFICATES SERIES 2005-1 --------------------------------------- FF4 ----------------------------------------- Dear Sirs: ________________________ (the "Transferee") intends to acquire from the _______________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage First Franklin Mortgage Loan Trust 2005-1FF4, Asset-Backed Certificates Series 2005-1FF4, Class [C][P][R] [R-XC][P][R][Dividend Account Certificate] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January April 1, 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage National City Home Loan Services, Inc. as servicer Servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM OF CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K I, [_____], certify that:

Transferor. By: ------------------------------ ----------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Chase Manhattan Mortgage Corporation W▇▇▇▇ Fargo Bank Minnesota, National Trust Company 1▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ Association S▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ 9▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. , ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 Financial Asset Securities Corp. 6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage First Franklin Mortgage Loan Trust 20052003-1FF4, Asset-Backed Certificates Series 20052003-1 --------------------------------------- FF4 Dear Sirs: _____________ (the "Transferee") intends to acquire from the _______________________ (the "Transferee") intends to acquire from _____________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage First Franklin Mortgage Loan Trust 20052003-1FF4, Asset-Backed Certificates Series 20052003-1FF4, Class [C][P][R] [R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January September 1, 2005 2003 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Chase Manhattan Mortgage Services, Inc. Corporation as servicer Servicer (the "Servicer") and Deutsche W▇▇▇▇ Fargo Bank Minnesota, National Trust Company Association as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇K▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.C.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: First Franklin Mortgage Loan Trust 2003-FF4 Mortgage Pass-Through Certificates, Series 2003-FF4 I, [identify the certifying individual], certify that:

Transferor. By: ------------------------------ -------------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage Soundview Home Loan Trust 2005-1DO1, AssetASSET-Backed Certificates Series BACKED CERTIFICATES SERIES 2005-1 --------------------------------------- DO1 Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Soundview Home Loan Trust 2005-1DO1, Asset-Backed Certificates Series 2005-1DO1, Class [C][P][R] [R-XC][P][R[-X]] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January 1May 15, 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage ServicesCountrywide Home Loans Servicing, Inc. LP as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :______________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: Soundview Home Loan Trust, Series 2005-DO1 ASSET BACKED CERTIFICATES, SERIES 2005-DO1 I, [identify the certifying individual], certify that:

Transferor. By: ------------------------------ ------------------------------------------ Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company City Home Loan Services, Inc. ▇▇▇▇▇ Fargo Bank, N.A. 150 Allegheny Center ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. -▇▇-▇▇▇ Columbia, Maryland 21045 ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇ Attention: Investor Reporting Manager Financial Asset Securities Corp. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage First Franklin Mortgage Loan Trust 20052004-1FF11, Asset-Backed Certificates Series 20052004-1 --------------------------------------- FF11 --------------------------------------------- Dear Sirs: ________________________ (the "Transferee") intends to acquire from the _______________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage First Franklin Mortgage Loan Trust 20052004-1FF11, Asset-Backed Certificates Series 20052004-1FF11, Class [C][P][R] [R-XC][P][R][Dividend Account Certificate] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January December 1, 2005 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage National City Home Loan Services, Inc. as servicer Servicer (the "Servicer") and Deutsche Bank National Trust Company ▇▇▇▇▇ Fargo Bank, N.A. as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :___________________________________ Name: Title: EXHIBIT N-1 FORM OF CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K I, [_____], certify that:

Transferor. By: ------------------------------ ------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Finance America Mortgage Loan Trust 20052004-12, Asset-Backed Certificates Series 20052004-1 --------------------------------------- 2 Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Finance America Mortgage Loan Trust 20052004-12, Asset-Backed Certificates Series 20052004-12, Class [C][P][R] [R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January August 1, 2005 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. HomEq Servicing Corporation as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title:: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Certification

Transferor. By: ------------------------------ ---------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage CHEC Loan Trust 20052004-1, Asset-Backed Certificates Series 20052004-1 --------------------------------------- Dear Sirs: _____________ (the "Transferee") intends to acquire from the _______________________ (the "Transferee") intends to acquire from _____________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage CHEC Loan Trust 20052004-1, Asset-Backed Certificates Series 20052004-1, Class [C][P][R] [RC][P][R][R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January July 1, 2005 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage ServicesCentex Home Equity Company, Inc. LLC as servicer Servicer (the "Servicer") and Deutsche JPMorgan Chase Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇K▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.C.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K I, [_____], certify that:

Transferor. By: ------------------------------ ------------------------------------ Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company Saxon Mortgage Services, Inc. ▇▇▇▇▇ Fargo Bank, N.A. ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ North ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Financial Asset Securities Corp. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: Meritage First Franklin Mortgage Loan Trust 20052004-1FF2, Asset-Backed Certificates Series 20052004-1 --------------------------------------- FF2 ----------------------------------------- Dear Sirs: _____________ (the "Transferee") intends to acquire from the _______________________ (the "Transferee") intends to acquire from _____________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage First Franklin Mortgage Loan Trust 2005-12004- FF2, Asset-Backed Certificates Series 20052004-1FF2, Class [C][P][R] [R-XC][P][R][Dividend Account Certificate] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January April 1, 2005 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. as servicer Servicer (the "Servicer") and Deutsche Bank National Trust Company ▇▇▇▇▇ Fargo Bank, N.A. as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K I, [_____], certify that:

Transferor. By: ------------------------------ ------------------------------------ Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage Soundview Home Loan Trust 20052004-1WMC1, Asset-Backed Certificates Series 20052004-1 --------------------------------------- WMC1 ------------------------------------------ Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Soundview Home Loan Trust 20052004-1WMC1, Asset-Backed Certificates Series 20052004-1WMC1, Class [C][P][R] [R-XC][P][R[-X]] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January December 1, 2005 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. M-1 Very truly yours, [Transferee] By: --------------------------------------- :______________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: Soundview Home Loan Trust, Series 2004-WMC1 Asset Backed Certificates, Series 2004-WMC1 ------------------------------------------- I, [identify the certifying individual], certify that:

Transferor. By: ------------------------------ ------------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage Fremont Home Loan Trust 2005-1, Asset-Backed Certificates Series 2005-1 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Fremont Home Loan Trust 2005-1, Asset-Backed Certificates Series 2005-1, Class [C][P][R] [R-XC][P][R[-X]] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January March 1, 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. ▇▇▇▇▇▇ Loan Servicing LP as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :______________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: Fremont Home Loan Trust, Series 2005-1 ASSET BACKED CERTIFICATES, SERIES 2005-1 I, [identify the certifying individual], certify that:

Transferor. By: ------------------------------ --------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇1▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇S▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage Soundview Home Loan Trust 20052003-1, Asset-Backed Certificates Series 20052003-1 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Soundview Home Loan Trust 20052003-1, Asset-Backed Certificates Series 20052003-1, Class [C][P][R] [R-XC][R[-X]] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January 1July 15, 2005 2003 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. L▇▇▇▇▇ Loan Servicing LP as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇K▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.C.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: Soundview Home Loan Trust, Series 2003-1 Asset Backed Certificates, Series 2003-1 ---------------------------------------- I, [identify the certifying individual], certify that:

Transferor. By: ------------------------------ ------------------------ Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Bank National Trust Company ▇6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇1▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇S▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage Mortgage Loan Trust 20052004-12, Asset-Backed Certificates Series 20052004-1 2 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from _____________________ (the "Transferor") $____________ Initial Certificate Principal Balance Meritage Mortgage Loan Trust 20052004-12, Asset-Backed Certificates Series 20052004-12, Class [C][P][R] [R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January August 1, 2005 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. as servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇K▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.C.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title:: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: Meritage Mortgage Loan Trust, Series 2004-2 Asset Backed Certificates, Series 2004-2 ---------------------------------------- CERTIFICATION

Transferor. By: ------------------------------ ---------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Financial Asset Securities Corp. National City Home Loan Services, Inc. Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ [ADDRESS] ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich[CITY], Connecticut 06830 [STATE] [ZIP] ▇▇▇▇▇ ▇▇▇, ▇▇ ▇▇▇▇▇ Attention: _____________________ Financial Asset Securities Corp. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage First Franklin Mortgage Loan Trust 2005-1FFH4, Asset-Backed Certificates Series 2005-1 --------------------------------------- FFH4 --------------------------------------------- Dear Sirs: ________________________ (the "Transferee") intends to acquire from the _______________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage First Franklin Mortgage Loan Trust 2005-1FFH4, Asset-Backed Certificates Series 2005-1FFH4, Class [C][P][R] [R-XC][P][R][Dividend Account Certificate] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January November 1, 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage National City Home Loan Services, Inc. as servicer Servicer (the "Servicer") and Deutsche Bank National Trust Company as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM OF CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K I, [_____], certify that:

Transferor. By: ------------------------------ ----------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Financial Asset Securities Corp. Deutsche Saxon Mortgage Services, Inc. ▇▇▇▇▇ Fargo Bank Minnesota, National Trust Company ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ North Association ▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. , ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 Financial Asset Securities Corp. ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: Meritage First Franklin Mortgage Loan Trust 20052003-1FFH1, Asset-Backed Certificates Series 20052003-1 --------------------------------------- FFH1 ----------------------------------------------------------- Dear Sirs: _____________ (the "Transferee") intends to acquire from the _______________________ (the "Transferee") intends to acquire from _____________________ (the ( "Transferor") $____________ Initial Certificate Principal Balance Meritage First Franklin Mortgage Loan Trust 20052003-1FFH1, Asset-Backed Certificates Series 20052003-1FFH1, Class [C][P][R] [R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of January September 1, 2005 2003 among Financial Asset Securities Corp. as depositor (the "Depositor"), Saxon Mortgage Services, Inc. as servicer Servicer (the "Servicer") and Deutsche ▇▇▇▇▇ Fargo Bank Minnesota, National Trust Company Association as trustee (the "Trustee"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Servicer the following: The Certificates (i) are not being acquired by, and will not be transferred to, any employee benefit plan within the meaning of section 3(3) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or other retirement arrangement, including individual retirement accounts and annuities, ▇▇▇▇▇ plans and bank collective investment funds and insurance company general or separate accounts in which such plans, accounts or arrangements are invested, that is subject to Section 406 of ERISA or Section 4975 of the Internal Revenue Code of 1986 (the "Code") (any of the foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R.ss.2510.3-101, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation at 29 ▇.▇.▇.▇▇. 2510.3-101. Very truly yours, [Transferee] By: --------------------------------------- :_____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K Re: First Franklin Mortgage Loan Trust 2003-FFH1 Mortgage Pass-Through Certificates, Series 2003-FFH1 I, [identify the certifying individual], certify that: