Common use of Transferor Clause in Contracts

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. 6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC Loan Trust 2004-1, Asset-Backed Certificates Series 2004-1 Dear Sirs: _____________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC Loan Trust 2004-1, Asset-Backed Certificates Series 2004-1, Class [C][P][R][R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of July 1, 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity Company, LLC as Servicer (the "Servicer") and JPMorgan Chase Bank 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__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2▇▇▇ /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇ ------------------------------------------ Name: ▇▇▇▇▇ ▇. ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ Title: President COMPUCREDIT CORPORATION Servicer By: /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇ ------------------------------------------ Name: ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6▇▇ ▇▇▇. ▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇Title: Chief Financial Officer BANKERS TRUST COMPANY not in its individual capacity, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Rebut solely as Trustee, By: CHEC Loan Trust 2004/s/ illegible ------------------------------------------ Name: Title: [Signature Page for Series 1999-1One Supplement] Exhibit A FORM OF CLASS A CERTIFICATE EXHIBIT A THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AssetAS AMENDED (THE "1933 ACT"). NEITHER THIS CERTIFICATE NOR ANY PORTION HEREOF MAY BE OFFERED, SOLD, PLEDGED, OR OTHERWISE TRANSFERRED EXCEPT IN COMPLIANCE WITH THE REGISTRATION PROVISIONS OF THE 1933 ACT AND ANY APPLICABLE PROVISIONS OF ANY STATE BLUE SKY OR SECURITIES LAWS OR PURSUANT TO AN AVAILABLE EXEMPTION FROM SUCH REGISTRATION PROVISIONS. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN CONDITIONS SET FORTH IN THE POOLING AND SERVICING AGREEMENT AND THE SERIES 1999-Backed Certificates Series 2004ONE SUPPLEMENT THERETO REFERRED TO HEREIN. NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED TO AN EMPLOYEE BENEFIT PLAN, TRUST OR ACCOUNT THAT IS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR DESCRIBED IN SECTION 4975(e)(1) OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED. NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR CONVEYED, EXCEPT IN ACCORDANCE WITH THE POOLING AND SERVICING AGREEMENT AND SERIES 1999-1 Dear Sirs: ___ONE SUPPLEMENT REFERRED TO HEREIN. REGISTERED $__________ (the "Transferee") intends to acquire from the _____________No. R-__________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC Loan CUSIP No. COMPUCREDIT CREDIT CARD MASTER TRUST SERIES 1999-ONE CLASS A FLOATING RATE VARIABLE FUNDING CERTIFICATE Evidencing an undivided interest in certain assets of a trust, the corpus of which consists primarily of an interest in receivables generated from time to time in the ordinary course of business in a portfolio of consumer revolving credit card accounts serviced by COMPUCREDIT CORPORATION and other assets and interests constituting the Trust 2004-1, Asset-Backed Certificates Series 2004-1, Class [C][P][R][R-X] (under the "Certificates"), issued pursuant to a Pooling and Servicing Agreement referred to below. (the "Pooling and Servicing Agreement") dated as Not an interest in or obligation of July 1CompuCredit Corporation, 2004 among Financial Asset Securities CompuCredit Funding Corp. as depositor (the "Depositor"), Centex Home Equity Company, LLC as Servicer (the "Servicer") and JPMorgan Chase Bank 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"their respective affiliates), (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__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Meritage Mortgage Loan Trust 20042005-12, Asset-Backed Certificates Series 20042005-1 2 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Meritage Mortgage Loan Trust 20042005-12, Asset-Backed Certificates Series 20042005-12, 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 July June 1, 2004 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity CompanySaxon Mortgage Services, LLC Inc. as Servicer servicer (the "Servicer") and JPMorgan Chase 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 IRe: Meritage Mortgage Loan Trust, [_____]Series 2005-2 Asset Backed Certificates, certify that:Series 2005-2 ---------------------------------------- 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▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ 1▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 S▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Soundview Home Loan Trust 20042003-1, Asset-Backed Certificates Series 20042003-1 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Soundview Home Loan Trust 20042003-1, Asset-Backed Certificates Series 20042003-1, 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 July 115, 2004 2003 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity Company, LLC L▇▇▇▇▇ Loan Servicing LP as Servicer servicer (the "Servicer") and JPMorgan Chase 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 REPRESENTATION LETTER _____________, 20__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Soundview Home Loan Trust 2004-1WMC1, Asset-Backed Certificates Series 2004-1 WMC1 ------------------------------------------ Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Soundview Home Loan Trust 2004-1WMC1, Asset-Backed Certificates Series 2004-1WMC1, 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 July December 1, 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity CompanySaxon Mortgage Services, LLC Inc. as Servicer servicer (the "Servicer") and JPMorgan Chase 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. 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__ 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▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ 1▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 S▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Soundview Home Loan Trust 20042005-1A, Asset-Backed Certificates Series 20042005-1 A --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Soundview Home Loan Trust 20042005-1A, Asset-Backed Certificates Series 20042005-1A, 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 July June 1, 2004 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Countrywide Home Equity Company, LLC Loans Servicing LP and GMAC Mortgage Corporation as Servicer servicers (the "ServicerServicers") and JPMorgan Chase 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 IRe: Soundview Home Loan Trust, [_____]Series 2005-A Asset Backed Certificates, certify that:Series 2005-A ----------------------------------------

Transferor. By: ---------------------------------- -------------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Centex Home Equity CompanySelect Portfolio Servicing, LLC JPMorgan Chase Inc. Deutsche Bank 2National Trust Company ▇.▇. ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ NSalt Lake City, Utah 84165-0428 ▇▇▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt _____________________ Financial Asset Securities Corp. 6▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC First Franklin Mortgage Loan Trust 2004-1FFH4, Asset-Backed Certificates Series 2004-1 FFH4 --------------------------------------------- Dear Sirs: ________________________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC First Franklin Mortgage Loan Trust 2004-1FFH4, Asset-Backed Certificates Series 2004-1FFH4, 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 July December 1, 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity CompanySelect Portfolio Servicing, LLC Inc. as Servicer (the "Servicer") and JPMorgan Chase 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 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__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2Manhattan Mortgage Corporation W▇▇▇▇ Fargo Bank Minnesota, National 1▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ Association S▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇ 4 ▇▇▇▇▇ 9▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC First Franklin Mortgage Loan Trust 20042003-1FF4, Asset-Backed Certificates Series 20042003-1 FF4 Dear Sirs: _____________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC First Franklin Mortgage Loan Trust 20042003-1FF4, Asset-Backed Certificates Series 20042003-1FF4, Class [C][P][R][R-XC][P][R] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of July September 1, 2004 2003 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity Company, LLC Chase Manhattan Mortgage Corporation as Servicer (the "Servicer") and JPMorgan Chase W▇▇▇▇ Fargo Bank Minnesota, National 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__ Centex National City Home Equity CompanyLoan Services, LLC JPMorgan Chase Bank 2Inc. ▇▇▇▇▇ Fargo Bank, N.A. 150 Allegheny Center ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇-▇▇-▇▇▇ 4 ▇▇▇ ▇▇▇▇ Columbia, Maryland 21045 ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇-▇▇▇▇ Attention: Institutional Trust Services/Global Debt Investor Reporting Manager Financial Asset Securities Corp. 6▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC First Franklin Mortgage Loan Trust 2004-1FF11, Asset-Backed Certificates Series 2004-1 FF11 --------------------------------------------- Dear Sirs: ________________________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC First Franklin Mortgage Loan Trust 2004-1FF11, Asset-Backed Certificates Series 2004-1FF11, 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 July December 1, 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex National City Home Equity CompanyLoan Services, LLC Inc. as Servicer (the "Servicer") and JPMorgan Chase Bank ▇▇▇▇▇ 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, 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 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__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Soundview Home Loan Trust 20042005-1DO1, AssetASSET-Backed Certificates Series 2004BACKED CERTIFICATES SERIES 2005-1 DO1 Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Soundview Home Loan Trust 20042005-1DO1, Asset-Backed Certificates Series 20042005-1DO1, 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 July 1May 15, 2004 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Countrywide Home Equity CompanyLoans Servicing, LLC LP as Servicer servicer (the "Servicer") and JPMorgan Chase 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 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 _____________, 20__ Centex Home Equity CompanySaxon Mortgage Services, LLC JPMorgan Chase Inc. ▇▇▇▇▇ Fargo Bank 2Minnesota, National ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ North Association ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ N▇▇▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt ▇▇▇▇▇ Financial Asset Securities Corp. 6▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC First Franklin Mortgage Loan Trust 20042003-1FFH1, Asset-Backed Certificates Series 20042003-1 FFH1 ----------------------------------------------------------- Dear Sirs: _____________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC First Franklin Mortgage Loan Trust 20042003-1FFH1, Asset-Backed Certificates Series 20042003-1FFH1, Class [C][P][R][R-XC][P][R] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of July September 1, 2004 2003 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity CompanySaxon Mortgage Services, LLC Inc. as Servicer (the "Servicer") and JPMorgan Chase ▇▇▇▇▇ Fargo Bank Minnesota, National 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-FFH1 Mortgage Pass-Through Certificates, Series 2003-FFH1 I, [_____identify the certifying individual], certify that:

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▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ 1▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 S▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Finance America Mortgage Loan Trust 20042003-1, Asset-Backed Certificates Series 20042003-1 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Finance America Mortgage Loan Trust 20042003-1, Asset-Backed Certificates Series 20042003-1, Class [C][P][R][R-X] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of July November 1, 2004 2003 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity Company, LLC L▇▇▇▇▇ Loan Servicing LP as Servicer servicer (the "Servicer") and JPMorgan Chase 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 _____________, 20__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Finance America Mortgage Loan Trust 2004-12, Asset-Backed Certificates Series 2004-1 2 Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Finance America Mortgage Loan Trust 2004-12, Asset-Backed Certificates Series 2004-12, Class [C][P][R][R-XC][P][R] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of July August 1, 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity Company, LLC HomEq Servicing Corporation as Servicer servicer (the "Servicer") and JPMorgan Chase 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 I, [_____], certify that: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▇▇▇ /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇ ------------------------------ Name: ▇▇▇▇▇ ▇. ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ Title: Chief Financial Officer COMPUCREDIT CORPORATION Servicer By: /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇ ------------------------------ Name: ▇▇▇▇▇ ▇. ▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ AttentionTitle: Institutional Trust Services/Global Debt Chief Financial Asset Securities Corp. 6▇▇ ▇Officer BANKERS TRUST COMPANY not in its individual capacity, but solely as Trustee, By: /s/ ▇▇▇▇▇▇▇▇ ▇.▇▇▇ . ▇▇▇▇▇▇▇▇▇, ▇▇▇▇ ------------------------------ Name: ▇▇▇▇▇▇▇▇ ▇.▇. ▇▇▇▇▇ ReTitle: CHEC Loan Trust 2004-1Vice President EXHIBIT A FORM OF CLASS A CERTIFICATE THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, Asset-Backed Certificates Series 2004-1 Dear Sirs: _____________ AS AMENDED (the THE "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC Loan Trust 2004-1, Asset-Backed Certificates Series 2004-1, Class [C][P][R][R-X] (the "Certificates1933 ACT"). NEITHER THIS CERTIFICATE NOR ANY PORTION HEREOF MAY BE OFFERED, issued pursuant SOLD, PLEDGED, OR OTHERWISE TRANSFERRED EXCEPT IN COMPLIANCE WITH THE REGISTRATION PROVISIONS OF THE 1933 ACT AND ANY APPLICABLE PROVISIONS OF ANY STATE BLUE SKY OR SECURITIES LAWS OR PURSUANT TO AN AVAILABLE EXEMPTION FROM SUCH REGISTRATION PROVISIONS. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN CONDITIONS SET FORTH IN THE POOLING AND SERVICING AGREEMENT AND THE SERIES 1997-ONE SUPPLEMENT THERETO REFERRED TO HEREIN. NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED TO AN EMPLOYEE BENEFIT PLAN, TRUST OR ACCOUNT THAT IS SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED, OR DESCRIBED IN SECTION 4975 (e)(1) OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED. NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR CONVEYED, EXCEPT IN ACCORDANCE WITH THE POOLING AND SERVICING AGREEMENT AND SERIES 1997-ONE SUPPLEMENT REFERRED TO HEREIN. REGISTERED $ ---------- No. R- ------- CUSIP NO. COMPUCREDIT CREDIT CARD MASTER TRUST SERIES 1997-ONE CLASS A FLOATING RATE VARIABLE FUNDING CERTIFICATE Evidencing an undivided interest in certain assets of a trust, the corpus of which consists primarily of an interest in receivables generated from time to time in the ordinary course of business in a portfolio of consumer revolving credit card accounts serviced by COMPUCREDIT CORPORATION and other assets and interests constituting the Trust under the Pooling and Servicing Agreement referred to below. (Not an interest in or obligation of Compucredit Corporation, Compucredit Funding Corp. or any of their respective affiliates). This certifies that Enterprise Funding Corporation (the "Pooling and Servicing AgreementClass A Certificateholder") dated as is the registered owner of July 1, 2004 among Financial Asset Securities Corp. as depositor a fractional undivided interest in certain assets of a trust (the "DepositorTrust"), Centex Home Equity Company, LLC as Servicer (the "Servicer") and JPMorgan Chase Bank 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__ Centex Home Equity CompanyFinancial Asset Securities Corp. ▇▇▇▇▇ Fargo Bank Minnesota, LLC JPMorgan Chase Bank 2National Association ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC Fremont Home Loan Trust 20042003-1A, Asset-Backed Certificates Series 20042003-1 A Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Fremont Home Loan Trust 20042003-1A, Asset-Backed Certificates Series 20042003-1A, Class [C][P][R][R-XC][P][R] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") , dated as of July August 1, 2004 2003, among Financial Asset Securities Corp. as depositor (the "Depositor")depositor, Centex Home Equity CompanyFremont Investment & Loan as servicer, LLC ▇▇▇▇▇ Fargo Bank Minnesota, National Association as Servicer (the "Servicer") master servicer and JPMorgan Chase trust administrator and HSBC Bank 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, 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.2510.3C.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.▇.▇.▇▇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 DEPOSITOR WITH FORM 10SERVICER Re: Fremont Home Loan Trust, Series 2003-K 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__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Meritage Mortgage Loan Trust 20042005-1, Asset-Backed Certificates Series 20042005-1 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Meritage Mortgage Loan Trust 20042005-1, Asset-Backed Certificates Series 20042005-1, 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 July January 1, 2004 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity CompanySaxon Mortgage Services, LLC Inc. as Servicer servicer (the "Servicer") and JPMorgan Chase 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 I, [_____], certify that:

Transferor. By: ---------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE _____________, 20__ Centex Home Equity CompanyOption One Mortgage Acceptance ▇▇▇▇▇ Fargo Bank Minnesota, LLC JPMorgan Chase Bank 2National Corporation Association 3 Ada ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ , ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇Option One Mortgage Corporation 3 Ada ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC Option One Mortgage Loan Trust 20042002-13, Asset-Backed Certificates Series 20042002-1 3 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Option One Mortgage Loan Trust 20042002-13, Asset-Backed Certificates Series 20042002-13, 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 July April 1, 2004 2002 among Financial Asset Securities Corp. Option One Mortgage Acceptance Corporation as depositor (the "Depositor"), Centex Home Equity Company, LLC Option One Mortgage Corporation as Servicer master servicer (the "Master Servicer") and JPMorgan Chase ▇▇▇▇▇ Fargo Bank Minnesota, National 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, 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, ------------------------------- By: ---------------------------- Name: Title: EXHIBIT N [TransfereeRESERVED] By:EXHIBIT O FORM OF SUBSEQUENT TRANSFER INSTRUMENT Pursuant to this Subsequent Transfer Instrument, dated _____________________________ Name: Title: EXHIBIT N-1 FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10, 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-K I3 Asset-Backed Certificates, [_____]Series 2002-3, certify that: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__ Centex Home Equity CompanySaxon Mortgage Services, LLC JPMorgan Chase Bank 2Inc. ▇▇▇▇▇ Fargo Bank, N.A. ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ North ▇▇▇▇ 4 ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC First Franklin Mortgage Loan Trust 2004-1FF2, Asset-Backed Certificates Series 2004-1 FF2 ----------------------------------------- Dear Sirs: _____________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC First Franklin Mortgage Loan Trust 2004-12004- FF2, Asset-Backed Certificates Series 2004-1FF2, 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 July April 1, 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity CompanySaxon Mortgage Services, LLC Inc. as Servicer (the "Servicer") and JPMorgan Chase Bank ▇▇▇▇▇ 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, 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__ Centex Home Equity CompanySaxon Mortgage Services, LLC JPMorgan Chase Bank 2Inc. ▇▇▇▇▇ Fargo Bank, N.A. ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ North ▇▇▇▇ 4 ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC First Franklin Mortgage Loan Trust 2004-1FFH2, Asset-Backed Certificates Series 2004-1 FFH2 Dear Sirs: ---------------------------------------------------------- _____________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC First Franklin Mortgage Loan Trust 2004-1FFH2, Asset-Backed Certificates Series 2004-1FFH2, 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 July June 1, 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity CompanySaxon Mortgage Services, LLC Inc. as Servicer (the "Servicer") and JPMorgan Chase Bank ▇▇▇▇▇ 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, 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__ 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▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ 1▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 S▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Meritage Mortgage Loan Trust 2004-12, Asset-Backed Certificates Series 2004-1 2 --------------------------------------- Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Meritage Mortgage Loan Trust 2004-12, Asset-Backed Certificates Series 2004-12, Class [C][P][R][R-XC][P][R] (the "Certificates"), issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of July August 1, 2004 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity CompanySaxon Mortgage Services, LLC Inc. as Servicer servicer (the "Servicer") and JPMorgan Chase 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 IRe: Meritage Mortgage Loan Trust, [_____]Series 2004-2 Asset Backed Certificates, certify that:Series 2004-2 ---------------------------------------- CERTIFICATION

Transferor. By: ---------------------------------- ------------------------------------- Name: Title: EXHIBIT M FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE REPRESENTATION LETTER _____________, 20__ Centex Home Equity Company, LLC JPMorgan Chase Bank 2▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt Financial Asset Securities Corp. 6Deutsche Bank National Trust Company ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇ Greenwich, Connecticut 06830 ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇-▇▇▇▇ Re: CHEC Fremont Home Loan Trust 20042005-1, Asset-Backed Certificates Series 20042005-1 Dear Sirs: _______________________ (the "Transferee") intends to acquire from the _______________________ ( (the "Transferor") $____________ Initial Certificate Principal Balance CHEC Fremont Home Loan Trust 20042005-1, Asset-Backed Certificates Series 20042005-1, 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 July March 1, 2004 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex Home Equity Company, LLC ▇▇▇▇▇▇ Loan Servicing LP as Servicer servicer (the "Servicer") and JPMorgan Chase 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: 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 REPRESENTATION LETTER _____________, 20__ Centex National City Home Equity CompanyLoan Services, LLC JPMorgan Chase Inc. Deutsche Bank 2National Trust Company [ADDRESS] ▇▇▇▇ ▇▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇[CITY], ▇▇▇ [STATE] [ZIP] ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt _____________________ Financial Asset Securities Corp. 6▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC First Franklin Mortgage Loan Trust 20042005-1FFH4, Asset-Backed Certificates Series 20042005-1 FFH4 --------------------------------------------- Dear Sirs: ________________________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC First Franklin Mortgage Loan Trust 20042005-1FFH4, Asset-Backed Certificates Series 20042005-1FFH4, 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 July November 1, 2004 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex National City Home Equity CompanyLoan Services, LLC Inc. as Servicer (the "Servicer") and JPMorgan Chase 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 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__ Centex National City Home Equity CompanyLoan Services, LLC JPMorgan Chase Inc. Deutsche Bank 2National Trust Company [ADDRESS] ▇▇▇▇ ▇▇▇▇▇ ▇▇. ▇▇▇▇▇▇ ▇▇▇▇▇▇ 4 ▇▇▇ ▇▇▇▇ ▇▇▇▇▇[CITY], ▇▇▇ [STATE] [ZIP] ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇ N▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Attention: Institutional Trust Services/Global Debt _____________________ Financial Asset Securities Corp. 6▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Re: CHEC First Franklin Mortgage Loan Trust 20042005-1FF4, AssetASSET-Backed Certificates Series 2004BACKED CERTIFICATES SERIES 2005-1 FF4 ----------------------------------------- Dear Sirs: ________________________ (the "Transferee") intends to acquire from the _______________________ ( "Transferor") $_________ Initial Certificate Principal Balance CHEC First Franklin Mortgage Loan Trust 20042005-1FF4, Asset-Backed Certificates Series 20042005-1FF4, 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 July April 1, 2004 2005 among Financial Asset Securities Corp. as depositor (the "Depositor"), Centex National City Home Equity CompanyLoan Services, LLC Inc. as Servicer (the "Servicer") and JPMorgan Chase 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 OF CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K I, [_____], certify that: